Merchant Payment Solutions

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Merchant Account Services

You'll find some helpful information in the links to the left that will help you find the services you may need to process credit cards.

If you have further questions about merchant services, feel free to call us toll-free at 888-752-8644.

Credit Card Processing

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With Platinum Management Group, you will receive competitive rates with the most dependable credit card processing service available in the market. At the end of the month, you will not only see the savings in your processing statements, but you will have the satisfaction of knowing we are here to handle all your concerns. Providing dependable service to our clients is our top priority at PMG.

PMG provides processing services for the following charge cards:

• Visa and MasterCard

• Discover

• American Express

• Diners

• EBT (Electronic Benefits Transfer)

THE PLATINUM ADVANTAGE

Better rates, better service, and more savings.

Wireless Credit Card Processing

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If you are a mobile merchant, you understand the demands of having a payment solution that is more than just accepting cash or checks. Today, wireless credit card acceptance provides mobile merchants the freedom and ability to accept credit cards any where they do business.

Features and Benefits:

  • Uses existing cellular phone technology (Verizon and AT&T/Cingular)
  • Safe and Secure
  • Real-Time transaction approval
  • Affordable
  • Versatile
  • Increases profitability

Platinum Management Group has a number of solutions for mobile merchants or any business that wants the added flexibility wireless credit card processing offers.

Tips for setting up Wireless Processing

  • Become familiar with your wireless coverage. Make sure your provider services the areas where you primarily conduct business.
  • Plan ahead! Give yourself at least a week in advance to integrate your wireless coverage with our merchant account and supporting hardware.
  • Be familiar with your wireless provider’s data plan service. Contact us for more information regarding our wireless data plan.

Contact us today for more information about wireless processing!

Retail Credit Card Processing

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If you are doing business face to face, accepting credit and debit cards has become a necessity. Whether you have a store, restaurant or kiosk, Platinum Management Group can help your business set up a merchant account so that you can start accepting credit cards immediately.

Platinum has some of the most competitive rates in the industry and can process your transactions for less money than you ever thought possible. Whether you are a new or existing business Platinum Management Group has the solutions that will help your business process more efficiently and save money on your bottom line.

Why You Need a Merchant Account

Retail Processing Equipment

Retail Credit Card Processing Tips

  • Give yourself enough time. Most retail credit card processing accounts can be set up in a couple days, but it does sometimes take longer. We recommend that you start thinking about setting up your merchant account a couple weeks before you plan on using it.

  • Use a credit card processing expert like Platinum Management Group for your retail credit card processing needs. Banks, superstores and other companies who sell, but do not specialize in, merchant accounts, can never be as competitive, provide the customer service, and stay up-to-date with the current trends and technologies as specialists like Platinum Management Group.

  • Have a good idea of what your average ticket and projected monthly credit card volume is going to be.

Contact us today for more information about retail credit card processing!

Request a Quote!

MOTO Credit Card Processing

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If you run a mail order business and/or take credit card payments over the telephone, you are doing, what we call in the industry, MOTO (Mail Order Telephone Order) Credit Card Processing. MOTO basically means that you process credit cards in an environment where the customer and credit card are not physically present at the time the transaction is made. Another term frequently used for this type of processing is “card not present”.

We have a number of MOTO credit card processing options available with a wide range of card processing equipment and software. Platinum Management Group can help you set up the processing solution that’s just right for your business.

Tips on setting up your MOTO credit card processing account

Most MOTO credit card processing accounts can be set up in a few days, however, we recommend that you start thinking about setting up your account a few weeks before you plan on using it.

It is generally good advice to work directly with a company that specializes in MOTO Credit Card Processing like Platinum Management Group. We will help you save both time and money, and ensure that you have the best equipment and service for your particular needs.

Double check that the rate you are quoted is for MOTO credit card processing. Many merchants have mistakenly signed up for a retail account, with what appear to be low rates, only to find out that they are getting charged much higher fees than expected.

Contact us today for more information about MOTO credit card processing!

Request a Quote!

Online Processing and E-Commerce

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If you have an Internet store or own a retail e-commerce website, you need online credit card processing. Through an online merchant account and credit card payment gateway system, you can give your customers the ability to purchase goods with the click of the mouse at any time, day or night.

Platinum Management Group can provide you with an online merchant account that will give you the ability to process credit cards no matter how small or large of a website you have.

Tips on Setting Up Your Online Merchant Account

  • Start thinking about setting up your online merchant account a few weeks before you plan on using it.

  • Double check that the rate you are quoted is for Online credit card processing. Many merchants have mistakenly signed up for a retail account, with what appear to be low rates, only to find out that they are getting charged much higher fees than expected.

  • Choose a leading payment gateway to handle your online credit card processing transaction. Platinum Management Group can help you set up your payment gateway, we have solid relationships with the best gateway providers in the industry

Contact us today for more information about Online credit card processing and E-Commerce!

Request a Quote!

Debit Card Processing

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Debit card processing lets your business accept PIN-based debit cards, automatically deducting the amount of a transaction from your customer’s checking account. A discount rate is not charged; instead, there is a flat fee based on the available network. A debit-enabled Point-of-Sale terminal will save you money on your electronic card transactions.

  • Decrease check-out time – no signature required
  • Savings – no discount rate
  • Customer convenience – cash back option
  • Generate revenue – ATM surcharge options
  • Guaranteed transactions

Debit Card Processing Advantage

Why pay a discount fee?

Install debit–capable terminals with PINpads- Eliminate discount fees on your electronic transactions and save your business up to 3% per transaction!

Contact us today for more information about Debit card processing and E-Commerce!

Request a Quote!

Chargeback Mediation

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According to industry experts, Merchants lost over $4 billion dollars to online fraud in 2008. Much of this loss was attributed to fees Merchants paid as a result of Consumers knowingly filing chargebacks.

Chargeback Rebutal
The world of Chargebacks is very complex, confusing, and can even put you out of business. Proper compliance management is critical to keep you processing with a healthy merchant account.

Our chargeback rebuttal service includes a deep dive into the details of your compliance process as well as any associated terms and conditions, etc. Since companies differ in how they do business, we tailor our proprietary Chargeback Rebuttal System to meet your needs.

Benefits:

  • Eliminate the headaches of costly compliance management by outsourcing it to the experts.
  • Increase your bottom line with found money from increasing your chargeback win ratio due to our proven, proprietary system.
  • Decrease your overall chargeback ratio to maintain compliance with Visa & MasterCard regulations.

What we do for you (all for one low price):

  • Data entry of the 1st Chargeback
  • Response – 1st Chargeback
  • Receipt of answer to 1st Chargeback rebuttal
  • Data entry of the 2nd Chargeback (if necessary)
  • Response of 2nd Chargeback (if necessary)
  • Receipt of answer to 2nd Chargeback rebuttal (if necessary)
  • Arbitration* (CCM will review matters of arbitration on a case by case basis as part of the per file fee, and give you our expert opinion on how to best move forward when dealing with a file that has been submitted for arbitration)
  • Mediation
  • File sent to fraud database (if requested)
  • File closed (if requested)
  • Accounting, Reporting, and Administration of your file

*Additional Fees May Apply

Interested?

Schedule a free consultation today.

 

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Check 21

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Check21 is a transparent process that converts a paper check or your client’s online billing information to payment of goods and services.

If your tired of Visa and MasterCard telling you what you can or can’t do or even shutting your business down without warning then Check21 is the solution. You won’t have to deal with anymore chargebacks, high reserves, PCI compliance fees, high risk chargeback monitoring programs, and NACHA (Check21 is not regulated by NACHA).

Integrating Check21 is easy, we provide everything you’ll need to quickly and efficiently add Check21 to your billing options. Incorporating Check21 directly into your website is as easy as incorporating credit cards.

Check21 can also debit every US checking account, even accounts that ACH cannot such as many Credit Unions, small banks, brokerage accounts, business accounts and credit card check accounts. Furthermore, Check21 avoids many of the problems associated with ACH, such as returns thresholds.

The main benefits of Check21 are:

  • Reduces the time it takes to process checks.
  • Deposits can be made without leaving the office.
  • Eliminates travel expenses and courier fees.
  • Deposits can be made daily.
  • Many banks have extended deposit cutoff times.
  • Provides for faster access to funds.

Gift and Loyalty Cards

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With Platinum Management Groups Gift Card solution, merchants are able to drive traffic to their businesses, increase sales, build brand awareness and improve customer satisfaction. Gift Cards are a great option to both consumers and merchants for different reasons. Consumers consistently rate gift cards very highly in terms of satisfaction and merchants find that the solution’s versatility, ease of use, and the results derived are well worth the investment.

How It Works:

There are a number of different ways Gift cards can be used and implemented in your business. We have come up with a short list to give you some ideas on how to use Gift cards to increase your revenue.

    1. Gift cards can be displayed in-store or be used as a promotional tool to generate awareness and drive traffic.
  • You can offer them to local businesses, to a local radio or TV station as an instant giveaway, or at events.
  • Gift cards can give you a second chance to make a good impression with an unhappy custom
  • er.

  • You can also use them as a way to issue a store return credit, thus ensuring that the money will be spent in your store at a later date.

    Help Your Customers While Helping Your Business:

    • Customers love Gift Cards because they make gift giving easier.

    • Consumers are able to give appealing and memorable gifts.

    • Your customers feel more satisfied with their choices — Purchasers and receivers rate their overall satisfaction with Gift Cards as a “9” on a scale of 1-10*

    Sign up and get started by contacting a Platinum Rep Today!

Check Guarantee

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The paper check continues to be the non-cash payment method consumers use most. Checks can also present a risk, but limiting check acceptance is not a viable choice because it limits sales. SecurChex is the answer. SecurChex provides a quality solution in today’s retail environment.

  • Collections (RCK)
  • ECC (Electronic Check Conversion)
  • Protection from fraudulent and bad checks
  • Eliminate check-related loss and expense
  • Easy and convenient to use
  • Guarantee payments for checks

With Platinum’s Check Guarantee service you can have the confidence to accept customer checks and the peace of mind of knowing you’ll collect. We have a number of systems that can protect your business from bad check losses. Each system can be integrated into Platinums merchant services and are easy to use.

  • Check Verification: Platinum’s verification network gives you access to one of the most complete and accurate check verification systems. Your employees can match checks accepted at the point-of-sale from a fraudulent check database containing over 10 million records.

  • Electronic Check Representment: If a fraudulent check is accepted, Platinum Management Group can automatically “re-present” it to the writer’s bank and collect what is owed to you.

  • Electronic Check Conversion (ECC): Electronic Check Conversion is a unique conversion and guarantee service that assures you’ll receive payment from a customer’s check. By converting the checks into an lectronic Funds Transfer (EFT) we can draft the check amount from your customer’s bank account.

Sign up and get started by contacting a Platinum Rep Today!

E-Check

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At Platinum Management Group we provide a fully integrated electronic check payment method. Using the e-check service merchants can accept and process payments from consumer and corporate bank accounts directly from their Web site or through their online Virtual Terminal. By accepting electronic checks, you expand the payment options available to new and existing customers, enhancing customer loyalty and potentially increasing sales.

With our e-check system you will find the following benefits:

  • Lower Fees – Lower rates than credit cards or PayPal.

  • More Efficient – everything is processed online, eliminating the cost and inconvenience of manually processing paper checks and waiting for checks in the mail.

  • Fully Integrated Solution – No third-party integration required.

  • Integrated Reporting – Provides a combined view of all e-check and credit card transactions. Reconcile payment and billing with online reports and statements.

  • Security – Our e-check service uses the latest 128-bit Secure Socket Layer (SSL) technology for secure Internet Protocol (IP) transactions.

Sign up and get started by contacting a Platinum Rep Today!


High Risk Transactions

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Platinum Payment Systems specializes in High Risk, High Volume and High Transaction merchant accounts. Over the years we have developed a relationship with our processors that has enabled us to negotiate reasonable fees for our High Risk clients. We currently represent a number of High Risk merchants and have been able to provide them with the service and attention they need to increase profits and reliability in the payment solutions.

Are you worried about your account being shut down? We can help.

Contact us today for a free account evaluation or get started now by filling out our High Risk Merchant Questionnaire


Merchant Advance Capital Program

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Get Working Capital Without the Wait

Cash flow is vital to every business. That’s why Platinum Payment Systems has made it even easier for businesses to get the working capital they need – when they need it.

Approximately 92% of business owners are declined from traditional lending. Why? Because of no collateral, insufficient time in business, or the business owner has less than perfect credit. Our merchant advance program provides a unique way to give business owners easy access to money when other funding resources are not available.

With a merchant advance businesses can secure up to $400,000 based on their sales volume. Repayment occurs as a fixed percentage of sales so it is always fluctuating relative to the businesses sales volume.

The payback process is completely automated, and unlike traditional lending there are no set monthly payments, collateral agreements, or debt associated with the business.

Just think of how nice it would be to have a check in-hand in just a couple days – cash you can spend on whatever your business needs. Take advantage of new business opportunities, manage unexpected expenses, and really start taking business to a whole new level.

Other businesses have used this money to:

  • Open New Locations
  • Remodel Existing Locations
  • Purchase Equipment and Inventory
  • Start Advertising Programs
  • Pay Taxes
  • Handle Payroll

Get the money to take control of your options, and seize opportunity as it comes.

Contact us today for a free account evaluation.