ePay Management - White Papers - Electronic Payment Processing Specialists, Credit Card Merchant Accounts

Chairman's Message

Welcome to ePay Management, LLC's web site. I'm pleased that you've taken the time to visit and I'm confident that the information presented here will leave you with a positive impression of our company and the broad range of services and products we offer and the markets we serve.

Founded in 2000, ePay Management has an impressive long-term legacy of partnership with its customers in successfully applying technology-based, merchant bankcard solutions and solving their toughest problems. We are proud of our reputation as a solutions provider and innovator. Our corporate culture is one of dedication, respect, and continuous improvement. We measure our success by our customers' successes.

In a time marked by rapidly changing technology, I am enthusiastic about the opportunities available for us to address the emerging requirements of our customers.

In order to be better prepared to serve our customers, ePay Management is investing in its sales force, internal processes, tools, and business systems. We are strengthening our existing core competencies as well as investing in the development of new capabilities to meet increasing requirements. ePay Management strives to be recognized as a payment processing provider of choice and has established programs designed to attract and retain highly skilled and motivated agent sales offices and vendor partners. Our extended "ePay" family is our greatest asset.

At ePay Management, we have a clear vision for the future and understand how to manage the changes necessary to reach it.

This site includes a "contact us" feature so that you can easily reach us. We welcome your comments and we'd be pleased to respond to your requests for more information about ePay Management and how we can help your business succeed.

Dave Wilson
Chief Executive Officer

Focus On Sales Partners

ePay Management pledges the best sales and product support to facilitate the sale of electronic payment transaction processing services to merchants. We understand that just like merchants, sales partners have a choice with who they conduct business and we are dedicated to providing them with premier products and superior service.

ePay Management has successfully developed turn-key merchant solutions in retail, wireless and web-based commerce fields which have established the Company's reputation in the payment processing industry. ePay Management's solutions were created for interoperability and ease of integration while keeping costs to the end-user at a minimum.

ePay Management continues to be an innovator in the industry, offering the best selection of "quality" wireless payment solutions available and unique pricing models for all types of merchants. These advancements along with our continually superb customer care record reflect the long-term strategy to continue to provide sales partners with merchant service solutions that meet their needs.

Our success is a result of our sales agent and referral based programs. With sales agents located throughout the United States, ePay Management maintains a branded presence in most major markets. Additionally ePay Management has created referral based relationships with key target markets including the web development and Internet service provider markets as well as personal and business cellular sales entities to supplement our agents lead base.

We strive to keep our sales partners updated as we introduce the latest working technologies in electronic payment processing.

Focus On Wireless Payment Processing

In today's marketplace, being able to accept credit card payments is a necessity.
Credit card payment capability not only provides a professional look to your business but also, if your business does not offer the option to pay via credit card, you will undoubtedly be losing potential sales revenue.

Businesses that are mobile (such as those participating in tradeshows, traveling salesmen, taxi & limousine services, home delivery businesses, plumbers and electricians, lawn maintenance services, car rental agencies, etc.) need to have this ability just as much as businesses that are permanently situated. This is where the freedom and flexibility of wireless credit card processing can help.

The wireless credit card processing option is becoming more popular, day by day, because it lets you process transactions, no matter where you are located. This makes it easier and more reliable than the old method of taking a manual imprint of the card to be key-entered into a credit card terminal later.

Many wireless credit card processing units now on the market are small enough to fit in your pocket and are perfect for taking payments on-the go. ePay Management works with each business individually to help determine the best wireless solution available. As technology advances so do our options for mobile payment processing; ePay Management has solutions that convert standard cellular phones and pda devices into full-service point-of-sale terminals. We can set businesses up to swipe credit cards on a laptop computer or through a self contained wireless credit card terminal.

Most of the wireless solutions we provide have the option to print customer receipts which will speed up transaction times, so more customers can be served in less time. The best part is, this technologically-advanced service is uncomplicated and is relatively easy to set up. Previously, credit card processing that was wireless-based was subject to power failures or disruption of phone service, causing long delays in verifying cards. Today, this is no longer the case.

Since with 'card present' wireless processing, all of the card information is verified right away, all such transactions are considered the same as swiping the card - and result in your receiving the lower processing costs normally associated with swiped transactions (as opposed to the higher costs incurred with internet website or key-entered processing). This is due to the lower risk of fraud when the credit card is actually presented to you, as the merchant.

Today's wireless credit card processing systems also screen for fraudulent cards, stolen cards and over limit cards on the spot. Tracking down a customer who paid for merchandise or service with an invalid card is time consuming and expensive. This will rarely be necessary with wireless credit card processing as you will know immediately if a credit card is valid.

Over the years, wireless networks have progressed a great deal. They now provide very comprehensive services and are cost effective at the same time. No longer are we handcuffed to utilizing a short list of antiquated data networks. We now have the ability to process wireless transactions through any number of cellular data networks, including; GPRS, Nextel, Verizon, Sprint, T-Mobile, Alltel and AT&T's CDMA network. With the rising demand of wireless credit card processing, these service providers offer competitive rates along with very good customer service, allowing you to accept payment from any and every corner of the world.

So, what's stopping you from setting up the safest and the most convenient way to receive payments for your products or services? Go ahead, expand your business, accept payments anytime, anywhere and watch your sales soar.

Focus On Internet Payment Processing

Credit cards are used by billions of people worldwide. Using a credit card to make payments for services or products is comfortable, efficient, fast and secure. Many people can't imagine going out shopping without a credit card! To say nothing of people behind computers shopping online. Can you imagine a more effective method of payment on the Internet? No. Just think of one of your customers who wants to purchase one of your new products. The customer has no credit card so he sends in a check.. in a different currency! Imagine how long it will take the envelope with the check to reach you (if it will reach you; who can guarantee that?) and the expenses your company will take in converting from currency to currency (if you hadn't charged the customer extra, which would had made the product more expensive).

Let's change a small detail in the situation. The customer has a credit card, but your company is not able to process it! Billions of people worldwide either sending checks (which, as we concluded is a pain in the.. you know where), or just choosing a competitor company which uses internet credit card processing services. You simply won’t be able to compete. This is where Internet credit card payment processing comes in.

Internet credit card payment processing - the ultimate solution to accept credit cards online. Statistics have shown amazing increases in sales of up to 450% when using internet credit card payment processing services! It is so evident why any online business should be able to process credit cards online. It is fast, secure, easy to setup and use. On the whole you will have much more satisfied and happy customers, thus much more income. The process is fully automated, which will save you loads of paperwork, thus time and money. A more effective, stable and profitable online business is guaranteed.

For merchants that are looking for a vendor to manage their entire online presence, ePay Management has developed turn-key web-based commerce solutions which include everything from website design to shopping cart implementation and product updates. Wether your business is looking to integrate a payment processing solution into your existing website or building from the ground up, ePay Management caters to all online businesses looking to payment-enable their website.

There are as many companies providing internet credit card processing services as there are competitor companies in your online business profile. Choosing the right company takes time and skill. Don’t be fooled by low membership or gateway fees as they usually hide very high transaction fees. Look out for that fine-print concealing hidden fees and don’t forget taxes. The optimal internet credit card processing service solution must be chosen carefully as your choice will directly influence your business.

In conclusion, we must re-emphasize the fact that internet credit card payment processing is indispensable, if not vital, for any online business. Your internet business must keep up with today's high-speed and hi-tech world. Just imagine those billions of card-holders worldwide who can't wait to make an urgent purchase - a purchase online from you.