Payment Solutions

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  · Payment Services

Community Bank Payment Services

If your bank is seeking to differentiate by offering unique value-added services, consider partnering with Vantage Card Services to deliver payment processing to small and mid-sized businesses.

Businesses with revenues of less than ten million dollars felt they were under served in a recent Bank Administration Institute survey. As a result, many businesses are prepared to switch banks for the right type of payment services. Vantage can help you take advantage of the payment opportunity to win new customers. And with a competitive fee structure, we provide your relationship banking team confidence in its ability to earn the client's business.

Banks that lose business in the payment processing segment to a competitor see a greater impact to their revenue and net income. To secure the payment relationship of your small-business customer base builds value in the overall bank relationship.

Please contact us to learn more about partnering with Vantage.

Solutions for Banks

• Cash Advance
• Merchant Services
• Trade Credit Financing (C&I Lending)
• Payroll Cards
• ATM Services
• Electronic Bill Presentment & Payment

Cash Advance Services

Vantage can also establish your bank with Cash Advance Service to your customers. Cash Advance offers a flexible and robust solution which addresses the unique operational requirements at the bank teller station for cash advance transactions. This service reduces chargeback exposure by prompting for required data and printing all required information on the receipt. This service utilizes the very popular and low-cost Tranz 330 platform.

Merchant Services

Community Bank Payment Services

Vantage brings a commitment to low cost, professional, and responsive service in the credit card processing industry. Lower credit card processing cost will directly impact the bottom line profits of your customers. Vantage offers a processing cost structure that is tailored to the individual needs of each merchant with a focus on:

• Bottom line savings
• Personal service and attention
• Technology, risk, and compliance education

Take advantage of the opportunity to build a closer relationship with your customer. Providing Merchant Services at low cost can be an additional tool to help you:

• Improve customer service
• Generate customer savings
• Leverage existing customers to earn additional revenue

Turn to Vantage as your merchant services partner. We take the risk while you earn residual income on your merchant portfolio in our Referral and Agent bank programs. We will deliver a comprehensive written proposal and complete the necessary merchant application paperwork. We perform all merchant services including: handling retrievals and chargebacks, issuing monthly statements, performing research, maintaining merchant account information, and managing risk.

Trade Credit Express

Community Bank Trade Credit

Trade Credit is the Largest Lending Opportunity Since Residential Real Estate

Business-to-business sales represent over $17 trillion in annual sales—62% of the US economy. Buyer demand for free and flexible trade credit requires sellers to provide credit terms to their customers to encourage the purchase of goods and services. As a result, this is their largest use of capital—greater than plant, property, equipment, or other uses of capital. Yet less than 5% of trade credit is under management and represents a significant opportunity to move seller funded trade credit to financial institutions.

Drive business and commercial revenue growth through:

• Increased business deposits
• Diversifying the bank's commercial loan portfolio
• Increased high margin, low risk C&I lending

In addition to using this tool to manage your lending services, we also offer a referral program that pays no risk fee income. See the above PDF or link to vantagecard.com/tradecredit for more information and presentation.

Platinum Pay Visa Payroll Cards

Platinum Pay Brochure

A free program for employers, the Platinum Pay Visa® Debit payroll card is a huge improvement over traditional paper checks. The Platinum Pay card will save your organization money by streamlining the payroll process, eliminating paper check processes and costs associated with lost checks. There are no set up costs, no software to buy or learn, no card cost, and no minimum number of employees to enroll.

ATM Management

Our ATM program includes:

• Choice of ATM equipment
• Complete signage
• Real-time online ATM activity reports– simply go to a dedicated web site to view up-to-the-minute reports for your machine – no need to wait for monthly reports. This feature also helps you better manage your ATM cash levels.
• Shipping, installation, and training
• Unparalleled customer and technical service support
• Monthly residuals deposited directly to your bank account
• Machine maintenance program (optional)
• Online monitoring – our customer support personnel contact you immediately for any service issues or machine error to maximize your uptime

Electronic Bill Presentment and Payment (EBPP)

Another payment service that will provide an additional hook to win and retain important business clients is in the rapidly growing field of EBPP. Like consumer bill pay, EBPP solutions automate paper-based Accounts Receivable and Payable processes for your business clients. EBPP reduces costs, improves efficiency, and enables better cash flow management.