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Solutions for Mobile Merchants

It's getting to be a wireless world. Vantage offers solutions for mobile commerce merchants depending on your card transaction volume, how well you know your customer (or how risk adverse you are), cost factors, and coverage areas.

Mobile wireless solutions speed up transaction times using a secure always-on connection. With wireless credit card terminals, merchants use advanced terminal technology that includes both internal wireless service and battery power so neither a phone line or power outlet is necessary to run credit card transactions.

Wireless is a fast evolving technology and a sensible choice for many merchants. Its portability is particularly applicable for service industries. Wireless benefits include fast transaction times of around three seconds combined with ultra fast thermal printers to generate customer receipts. Wireless units are qualifying for swiped "card present" transactions at the lowest possible Interchange rates. With instant approval and decline codes, completing secure transactions is quick and easy. Ideal merchants will be high volume to offset the expense of the state of the art terminal hardware and activation, monthly service, and transaction cost of the wireless service provider. Merchants facing financial losses from risk of fraudulent and declined cards would also benefit from wireless processing. Merchants who need extra fast transaction speeds or incur lost sales opportunities should move to a wireless system.

Wireless Coverage
Selecting the right wireless device comes down to network coverage, so always start by finding the coverage area that best meets your mobile merchant needs. Just as you encounter coverage problems with your cell phone, you can encounter receptions problems with a wireless terminal. Actual service area will vary due to location, weather, network traffic, terrain, signal strength, obstructions, building density, construction, environmental conditions, and other factors. Remember, there is no guarantee that coverage will be available from all spots (even if the maps say so). 

Wireless Credit Card Terminals
There are several credit card processing terminals on the market that support wireless services. We recommend the Lipman Nurit 8010US11 GPRS wireless credit card processing equipment. The NURIT 8000 series is a flexible, lightweight, handheld terminal that enables fast, secure, error-free transactions for on-the-go merchants. The sophisticated multi-application platform supports a range of payment & value-added services - including credit, debit, T&E, EBT, smart card, gift and loyalty cards. The unit supports GPRS and includes an easy-to-load thermal printer, with optional a touch screen, built-in PIN Pad, and EMV smart card reader.

Please note that GPRS service is not supported on these older technologies:
8010US12 =Motient (Now Dial Only- there will also be a sticker with a LLI number)
8010US13 =Mobitex (there will also be a sticker with a MAN number)

GPRS is the next generation wireless for merchants and offers greater coverage area. GPRS works with a SIM chip like your mobile phone and can roam network providers operating a GPRS tower. Because large carriers support these new networks, you’re assured coverage almost anywhere. With GPRS, the merchant can "roam" at no additional cost on all the GPRS carriers: AT&T Wireless, Cingular Wireless and T-Mobile. Canadian roaming for a small premium. You can check the Lipman Nurit 8010 GPRS wireless unit coverage through Apriva at (http://www.apriva.com/coverage.cfm). 

While we have found that many merchants prefer the Lipman unit - Vantage can set up merchant accounts compatible with all kinds of wireless devices.  Additional terminal options you may wish to consider are:

With the new WAY MTT 1556 system you get a mobile device that networks with wireless carriers (GPRS) allowing merchants to accept both traditional credit cards and PIN-based debit cards in the field. This solution combines the security and performance of a traditional POS terminal with the ease of using a mobile phone.

Complete 24 hour, 365 days-a-year Class A support

Key Product Features
• Supports credit and PIN-based debit transactions
• Compact, lightweight, portable payment processing device and thermal printer
• Integrated PED Certified PIN pad
• Multiple security elements for transaction encryption
• Optional prompts available for Tips, Tolls, Invoice Number, and Cash Receipt printing
• Transaction capacity up to 120 transactions online
• Store and Forward capabilities
• Easy, intuitive training environment

ExaDigm has a modular unit that can support both GPRS (Cingular/AT&T/TMobile) as well as CDMA (Verizon/Sprint), WiFi and ethernet.   Pricing with ExaDigm varies by network, so first pick the network but also know that with this unit you have the option of adding additional modules for greater coverage if you choose.  

CDMA
GPRS

Vantage supports Wireless Gateways for card processing using PDAs, Mobile Phones. We can also assist you should you require your merchant services account accessible over a wireless PDA device.  Your Vantage account will work with http://www.comstarinteractive.com

PDA and mobile phones perform card processing by attaching mag-stripe card readers and portable printers. Vantage can provide merchant account numbers for a variety of devices and gateways certified on multiple networks including Global Payments and Vital. However, from our experience, we have found mobile devices to not meet the operational needs of many clients. In addition to the costs of readers and printers, the functionality of both securing the cable attachment to, and carrying these accessories with, your mobile phone or device can present challenges. The time it takes to process a transaction on a mobile phone far exceeds the time of the actual authorization attempt. Think about the process of accessing the software application on the device and following the data input prompts. We also heard of difficulties during peak busy sales hours with multiple people trying to access the same mobile phone configuration to process credit card transactions. Please consider you use carefully before making a decision.

Regarding equipment pricing 
There are companies that artificially lower the price of equipment simply to lock merchants into long-term processing contracts with stiff cancellation and early termination fees.  You should strongly consider more than initial equipment costs when shopping.  Identifying the coverage area and the right solution should be your first criteria. Consider that programming and wireless chip activation is key to implementation success and having your equipment warranty with your processor will save you time, effort and shipping costs in the long run.

Also, Vantage offers value through favorable merchant services contract terms and pricing structures to help mobile merchants qualify for the best Interchange rates available.  Quickly study http://www.vantagecard.com/lessons or consult with your professional payment specialist at Vantage for more money saving tips.  

We hope you will find this information helpful. Mobile merchants face unique issues when accepting credit card payments. Using a wireless credit card terminal you can capture swiped card data in a face-to-face environmnet with the cardholder thus protecting yourself by obtaining approval codes and qualifing for the best Interchange rates. We look forward to working with you.



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