Credit Card Transaction: As the usage of cash and checks is decreasing, the demand for the option to pay by credit card is increasing. Merchants that offer consumers the ability to pay with credit cards tend to have an advantage in expanding their customer base, increasing customer satisfaction, and increasing revenue!

PIN Debit Card Transactions: Requires the card, the card holder and the customer’s four digit PIN number to be entered at the time of purchase. PIN debit transactions are authorized through the ATM network and can provide a faster settlement of funds to the merchant with a lower risk of chargebacks, as compared to signature transactions.

Signature Debit Card Transactions: Works just like a credit card transaction and requires that the VISA, MASTERCARD or DISCOVER Network Logo is present. Allows the debit card to work in a present and non-present situation.

Benefits:

• Allows your customers a variety of Payment options by accepting Visa/MasterCard®/Discover and American Express.
• Enhance Revenue and Customer Satisfaction.
• Provide a faster check out experience in the "face to face" world.

Gift Cards: Gift cards are among the top gift ideas consumers plan to buy. Not only does the consumer want it, it can also increase brand awareness, cash flow and average ticket size!

Market Research and Benefits:

• 61% of card holders spend more than the value of the card.
• The average ticket lift is 32%
• Average amount never redeemed is 22%
• Keep more cash in your store by issuing refunds through gift cards

Loyalty Program: Offers rewards to your clients to keep them coming back to spend money with you. This program can be customized specifically for the rewards you would like to offer your clients.

Benefits:

• Tracks spending habits and demographic data
• Gives you a competitive edge in your market area
• Marketing/Brand awareness

Woodforest offers a wide variety of products and services that help businesses accept more checks and increase cash flow while reducing risk.

Products:

• Electronic Check Conversion
  Allows you the ability to accept a paper check and convert it into an electronic check. Combined with Check Guarantee, this service delivers a streamline check acceptance process that eliminates returned checks and returned check fees, while reducing paperwork and trips to the bank.
• Check Guarantee
  Similar to Check Verification, but guarantees the face amount of the check if it is returned insufficient. Potentially increase your sales without increasing your risk.
• Recurring Payment Processing
  Allows you to automatically bill a customer on a recurring basis and debit a checking account. Your customers will enjoy the ease and convenience of not having to mail payments, which could benefit your business through increased cash flow, improved productivity, and/or customer retention.
• Check Verification and Collections
  Runs the customer’s ID against multiple databases to see if the customer has a negative check writing history. If the check is returned you may send for collections free of charge.

• Stand Alone Terminals
  The most popular and secure way to process your transactions. Allows you to swipe, authorize and print transaction information at the point of sale. We offer a variety of terminals that should fit your specific needs. Already own a terminal? We can reprogram your existing unit at no cost. Please contact us to check compatibility.
• Virtual Terminal
  Virtual terminals have become very popular in storefronts because it saves counter space and requires no phone line. You can swipe or key, authorize, and print your transaction at any computer with Internet access.
• Mobile
  Is your business on the road? Your credit card processing can be too! Enhancements in technology have allowed mobile merchants, such as delivery services, trade show participants, taxis, plumbers, electricians, and other vendors to have the same opportunities as any retail business. Wireless solutions are available for you to swipe, authorize, and obtain a signature right on the spot using a cell phone, laptop, wireless terminal, or Wi-Fi terminal as your point of sale.
• Internet
  Many consumers have found the ease and convenience of shopping online and making payments online. Woodforest Merchant Services and eProcessing Network have partnered together to offer you a wide range of products using a secured Internet payment gateway to process your credit card payments. Whether you’re a storefront, online retail store, or just looking for an easier way to collect payments, we have the solution for you.