Docusign City Council Transmittal Coversheet File Name Purchasing Contact City Council Target Date Granicus # Ordinance # DocuSign Envelope ID: DD637CAA-EAB8-4825-889E-E40DD2A27545 RFP 6/21/16 5955 Telecheck Karen Smith Debit/CC Electronic Check Processing DocuSign Envelope ID: 872771A4-44B6-459D-94CC-EF5C56F7BEE7
This document is posted to help you gain knowledge. Please leave a comment to let me know what you think about it! Share it to your friends and learn new things together.
which processing volume would result in Fees in excess of the Fee Cap. In no event shall TeleCheck be required to deliver
services under this Agreement or the TeleCheck Warranty Agreement if it reasonably anticipates continued delivery of
services will result in Fees exceeding the then-established Fee Cap.
5.2 Fee Definitions. The following definitions apply to the Fees: “Correction Fee” is the amount charged for each Item that
TeleCheck must correct due to Subscriber error or at Subscriber’s request. “Inquiry Rate” is the percentage rate which will
be applied to the face amount of each Item submitted to TeleCheck for processing. “Inquiry Rate Fee” is the amount equal
to the product of (i) the Inquiry Rate multiplied by, (ii) the face amount of each Item for which an authorization inquiry is
made to TeleCheck; and is the amount charged by TeleCheck to Subscriber for each Item submitted to TeleCheck for
processing under this Agreement, whether or not TeleCheck authorizes the Item. “Monthly Connectivity Fee” is the amount
charged per month in order to maintain a virtual private network or other connection between Subscriber’s and TeleCheck’s
information technology systems to enable processing in connection with the Verification Services. “Monthly Minimum Fee”
is the minimum amount charged to Subscriber each month for processing the Items it submits to TeleCheck in connection
with the Verification Services. If the total amount of Inquiry Rate Fees and Transaction Fees for any month is less than the
Monthly Minimum Fee, then the Monthly Minimum Fee will apply for the month; and Subscriber will be billed for the
difference between the Monthly Minimum Fee and the total amount of Inquiry Rate Fees and Transaction Fees that
TeleCheck billed during that month. “Monthly Risk Management Fee” is a monthly fee charged per Subscriber location
receiving the Verification Services for the development, use, monitoring and periodic review with Subscriber of a computer
model used as an aid to assess the risk of checks presented to Subscriber by Consumers. “Set-Up Fee” is the charge for
initial setup and initiation of the Verification Services. “Statement/Processing Fee” is a monthly fee for handling
Subscriber’s account. “Subscriber Requested Operator Call Fee” is an additional charge per operator-assisted call
initiated by Subscriber that TeleCheck does not request or prompt Subscriber to make in connection with processing
Verification Transactions. “Terminal Application Update Fee” is the charge per terminal for each occasion that a terminal
application update is made available for additional features, different information or regulatory compliance. “Transaction
Fee” is the amount charged for each Item submitted to TeleCheck for processing under this Agreement, whether or not
TeleCheck authorizes the Item. Subscriber will also be responsible for paying for any point-of-sale supplies (e.g., paper and
ink for Equipment, rubber stamps, etc.) related to the Verification Services that it obtains from TeleCheck.
6. Payment of Fees. TeleCheck will invoice its Fees to Subscriber monthly. All Fees are due upon receipt and payable within
thirty (30) days of invoice. The parties acknowledge and agree that, while TeleCheck may debit all other Amounts due
under this Agreement via electronic fund transfer, TeleCheck shall bill Subscriber for monthly fees and Subscriber shall remit
Fees directly and timely to TeleCheck. Subscriber authorizes TeleCheck to debit all amounts due under this Agreement
(except Fees and including, without limitation, all Return Items, delinquency charges, Subscriber returned payments and any
other amounts owed by Subscriber) and to credit all such amounts owed to Subscriber under this Agreement (except Fees)
via electronic fund transfer. If there are insufficient funds in Subscriber’s Account to pay non-Fee amounts owed under this
Agreement, Subscriber will immediately reimburse TeleCheck upon demand for these amounts or Fee amounts; or, at
TeleCheck’s option, TeleCheck may offset or recoup non-Fee amounts against any amounts TeleCheck or its affiliates owe
to Subscriber under this Agreement or any other agreement between Subscriber and TeleCheck or its affiliates. A
delinquency charge of 1½% per month or the highest amount permitted by law, whichever is lower, will be added to the
outstanding balance of any delinquent account. Continuing Verification Services and funding Verification Transactions
during any period of delinquency will not constitute a waiver of TeleCheck’s rights of suspension or termination.
7. Financial and Other Information. If Subscriber is a company the common shares of which are actively traded on an
organized national exchange (a “Public Company), Subscriber agrees to comply with all material reporting requirements of the SEC or other equivalent governing body. If Subscriber is not a Public Company, upon written request, Subscriber will provide TeleCheck with (i) quarterly financial statements within forty-five (45) days after the end of each fiscal quarter, and (ii) annual audited financial statements within one hundred twenty (120) days after the end of each fiscal year; both prepared in accordance with generally accepted accounting principles. Whether or not Subscriber is a publicly traded entity, in addition to the above information Subscriber will provide TeleCheck with the financial information that may be required by applicable Legal Requirements in connection with creditworthiness or security qualification requirements applicable to Subscriber’s use of the Verification Services.
8. Reserve Account. Subscriber expressly authorizes TeleCheck to establish a reserve account for transactions processed
under this Agreement. The amount of the reserve account shall be set by TeleCheck, in its sole discretion, based upon Subscriber’s processing history and the anticipated risk of loss to TeleCheck. If any such reserve account is established, the reserve account shall be fully funded upon 3 days notice to Subscriber, or in instances of fraud or breach of this Agreement, the reserve account shall be funded immediately at TeleCheck’s election. The reserve account may be funded by all or any combination of the following: (i) one or more debits to Subscriber’s Account (and TeleCheck is hereby authorized to make such debits); (ii) one or more deductions or offsets to any payments otherwise due to Subscriber from TeleCheck or any of its affiliates; or (iii) Subscriber’s delivery to TeleCheck of a letter of credit issued or established by a financial institution acceptable to, and in a form satisfactory to, TeleCheck. If Subscriber’s funds in the reserve account are not sufficient to cover the delinquency charges, chargebacks or rejected and reassigned warranty items, or any other fees and charges due from Subscriber to TeleCheck or its affiliates, or if the funds in the reserve account have been released, Subscriber shall immediately pay TeleCheck such sums upon request. In the event of a failure by Subscriber to fund the reserve account, TeleCheck may fund such reserve account in the manner set forth above. In the event of termination of this Agreement by either Subscriber or TeleCheck, an immediate reserve account may be established without notice in the manner provided above. Any reserve account may be held by TeleCheck for 10 months after termination of this Agreement. Subscriber’s
funds may be held in a commingled reserve account for the reserve funds of TeleCheck’s subscribers, without involvement by an independent escrow agent, and shall not accrue interest.
9. Confidential Information; Information Security.
Confidential Information. "Confidential Information" means all of TeleCheck’s or Subscriber’s data or information that is
competitively sensitive material or not generally known to the public; including, without limitation, a party’s data or
information whether or not marked confidential or proprietary, customer lists, technology, inventions, systems, operations,
facilities, products, services, discoveries, trade secrets, confidential know-how, information pertaining to individuals’
employment with either party, ideas, concepts, research, development, processes, operating procedures, marketing,
business and development plans, pricing, policies and financial information. Confidential Information does not include
information which: (i) is or becomes part of the public domain; (ii) was already known to the receiving party prior to its
disclosure; (iii) is lawfully obtained from a third party without obligations of confidentiality; (iv) is independently developed by
the receiving party; or (v) is otherwise excluded under the terms of this Agreement. The parties agree that a failure to
maintain safeguards to preserve the confidentiality of the other party’s Confidential information will substantially injure the
other party.
9.1 Disclosure and Use Restrictions. The parties agree they will maintain the Confidential Information of the other party in strict
confidence and shall not disclose, disseminate, copy, divulge, reproduce, transfer or use the other party’s Confidential
Information without the prior written consent of the other party except (i) as necessary in connection with providing or using
the Verification Services; (ii) as specifically allowed under this Agreement; or (iii) to the extent necessary to comply with
Legal Requirements or a valid court order, provided the disclosing party must use reasonable efforts to notify the other party
prior to disclosure (unless such notification is prohibited by Legal Requirements or a valid court order) so the other party may
seek a protective order or otherwise prevent or limit disclosure of its Confidential Information. Each party agrees to use
measures to protect the other party’s Confidential Information which are no less stringent than those the protecting party
uses within its own business to protect its own most valuable information, which protective measures shall under all
circumstances be at least reasonable measures to ensure the continued confidentiality of the Confidential Information. Each
party’s employees, affiliates, agents, advisors or subcontractors with access to the other’s Confidential Information will
comply with the confidentiality provisions of this Agreement; and each party will be responsible for the performance of its
employees, affiliates, agents, advisors or subcontractors with respect to the foregoing requirement. Each party will take
such steps to prevent disclosure of the other party’s Confidential Information as it would take to prevent disclosure of its
own; including, at a minimum, commercially reasonable steps.
9.2 Information Security. Each party is responsible for: (i) the security of non-public or personally identifiable information
(“Personal Information”) on the systems under its control or that is obtained through its respective provision or use of the
Verification Services; and (ii) data security issues arising from its systems, or directly resulting from its use of third party
vendors or subcontractors, if any, in connection with the Verification Services. Each party will maintain commercially
reasonable information security practices designed to prevent unauthorized or unlawful access to, use, disclosure or
alteration of Personal Information (collectively, a “Security Incident”). In the event of a Security Incident involving the other
party’s Personal Information, the affected party will promptly (a) assess the nature and scope of the Security Incident;
(b) identify the Personal Information involved, if any; (c) take appropriate steps to contain, control and stop the Security
Incident; and (d), in the event Personal Information was compromised and it is reasonably suspected that misuse will
result, promptly notify the other party of the Security Incident, subject to any request by law enforcement or other
government agency to withhold such notice pending the completion of an investigation. TeleCheck is not responsible for
and does not control third party telecommunication lines used to provide the Verification Services; and will not be
responsible for the security of any transmissions using these lines.
9.3 Ownership. This Agreement does not provide either party with any right, title or interest in or to the Confidential Information
of the other party. Each party will return or destroy (and certify the destruction of) the other party's Confidential Information
at the request of the other party.
9.4 Equitable Relief. TeleCheck and Subscriber agree there may be no adequate remedy at law for a breach of the
confidentiality, disclosure, use, safeguarding and ownership requirements (collectively, the “Confidentiality Requirements”)
related to Confidential Information or Personal Information under this Agreement. A breach of the Confidentiality
Requirements may cause irreparable harm such that the non-breaching party may not have an adequate remedy at law;
and, therefore, the non-breaching party may seek injunctive relief (without posting a bond or other security) against the
breaching party in addition to any other rights or remedies available at law or in equity.
10. Indemnification.
10.1 Subscriber Indemnity. Subscriber agrees, to the extent allowed by Texas state law, to indemnify and hold TeleCheck, its
employees, directors and officers, harmless against any third party Claims resulting from Subscriber’s (its affiliates,
employees, agents or representatives) (i) breach of any of its obligations, covenants or representations under this
Agreement; (ii) gross negligence; or (iii) willful misconduct.
10.2 TeleCheck Indemnity. TeleCheck agrees to indemnify and hold Subscriber, its employees, directors and officers, harmless
against any third party Claims resulting from TeleCheck’s (its affiliates, employees, agents or representatives) (i) breach of
any of its obligations, covenants or representations under this Agreement; (ii) gross negligence; or (iii) willful misconduct.
17.5 Choice of Law. This Agreement will be governed by and construed in accordance with the laws of the State of Texas
(without regard to its choice of law provisions).
17.6 Jurisdiction and Venue. All issues arising from this Agreement shall be resolved in the courts in Texas and the parties agree
to submit to the exclusive personal jurisdiction of such courts. The foregoing, however, shall not be construed or interpreted
to limit or restrict the right or ability of eithr party to seek and secure injunctive relief from any competent authority as
contemplated herein.
17.7 Waiver of Jury Trial. TELECHECK AND SUBSCRIBER IRREVOCABLY WAIVE THEIR RIGHT TO A TRIAL BY JURY IN
ANY JUDICIAL PROCEEDING INVOLVING ANY CLAIM RELATING TO OR ARISING UNDER THIS AGREEMENT.
17.8 17.9 Force Majeure. Neither Subscriber nor TeleCheck will be held responsible for any delays in or failure or suspension of Warranty Services caused, directly or indirectly, by (i) power failure; (ii) delay or error in clearing or processing a transaction through the ACH Network or Federal Reserve system, if applicable; (iii) the nonperformance, delay or error by a third party or in any other third party system, including, without limitation, failures or fluctuations in telecommunications equipment, transmission links or other equipment; (iv) any outbreak or escalation of hostilities, war, riots, terrorism or civil disorders in any country, strikes, labor difficulties, fire, inability to operate or obtain service for its equipment, unusual delays in transportation, earthquake, fire, flood, elements of nature or other acts of God; (v) any act or omission of the other party or any government authority; or (vi) other causes, all reasonably beyond the control of the impacted party.
17.9 Attorney Fees Related to Contract Obligations. The prevailing party in any legal action related to a dispute under this
Agreement will be entitled to recover its reasonable attorneys’ and other fees and expenses, unless specifically barred by
applicable Legal Requirements.
17.10 Notices. Except as specifically provided otherwise, all formal notices required or permitted under this Agreement (other than
those involving normal operational matters relating to the Warranty Services) will be (i) in writing; (ii) sent by registered mail
(return receipt requested) or nationally recognized courier (with tracking and delivery confirmation requested); and (iii) will be
deemed to have been given on the date shown on the return receipt if sent by registered mail or the date shown on the
delivery confirmation if sent by nationally recognized courier. Notice given in any other manner will be effective when
actually received.
Notices to Subscriber will be sent to the following address:
.
Notices to TeleCheck will be sent to the following address: TeleCheck Services, Inc., Attn: General Manager, 5251
Westheimer, Houston, Texas 77056; with an additional copy to: TeleCheck Services, Inc., Attn: Legal Counsel, 5251
Westheimer, Houston, Texas 77056.
17.11 Headings. The headings contained in this Agreement are for reference only.
17.12 Severability. Any provision of this Agreement that is determined to be illegal, invalid or unenforceable will be void; and the
remainder of this Agreement will continue in full force and effect. The parties will substitute a valid provision approximating
the intent and economic effect of any invalidated provision.
17.13 Entire Agreement; Amendment; Waiver; Counterparts. This Agreement constitutes the entire agreement between TeleCheck
and Subscriber, and supersedes all prior agreements, written or oral, between the parties related to the Warranty Services.
This Agreement includes and incorporates all attached addenda, schedules or exhibits. Except as specifically provided
otherwise in this Agreement, any amendment to this Agreement must be in writing and signed by TeleCheck and Subscriber.
The words “including”, “include” and “includes” will each be deemed to be followed by the term “without limitation”. No delay
or single, partial, failure, abandonment or discontinuance of either party to exercise any right, power or privilege under this
Agreement will affect such right, power or privilege. The parties’ rights and remedies under this Agreement are cumulative
and not exclusive. This Agreement may be executed in any number of counterparts, each of which is deemed an original,
and all of which together constitute one and the same instrument. Facsimile, electronic or other copies of the executed
Agreement are valid and effective.
17.14 Survival of Obligations. The rights and obligations of the parties that would be intended to survive by their nature or context
will survive expiration or termination of this Agreement.
*** CONFIDENTIAL *** TeleCheck Services, Inc. *** CONFIDENTIAL ***
SCHEDULE A
FEE SCHEDULE for
ELECTRONIC CHECK ACCEPTANCE and
CHECKS-BY-PHONE WARRANTY SERVICES
for THE CITY OF DENTON, TEXAS FEES: Inquiry Rate (ECA Warranty Transactions – Police Dept only) $ 0.45% Transaction Fee (ECA Warranty Transactions) $ 0.17 Inquiry Rate (Paper Warranty Transactions) 0.45% Transaction Fee (Paper Warranty Transactions) $ 0.17 Inquiry Rate (Checks-by-Phone) $ 1.95% Transaction Fee (CBP Warranty Transactions) $ 0.17 Warranty Maximum (ECA Services) $25,000.00 Warranty Maximum (Paper Services) Face Value Warranty Maximum (CBP Services) $5,000.00 Monthly Minimum Fee $10.00 (per product/bill to) Correction Fee $5.00 Subscriber Requested Operator Call Fee $2.50 Monthly Connectivity Fee (if using VPN connection) $750.00 Monthly Connectivity Fee (if using MPLS connection) $1,500.00 Statement/Processing Fee $5.00 Terminal Application Update Fee $.00 Set-Up Fee $.00 Equipment $n/a *Any requests by merchant that are non-standard to TeleCheck relating to boarding of services, reporting or changes to data transmission (including re-certifications), or any requests that require information system development by TeleCheck, are subject to additional fees to be mutually agreed by the parties.
Karen E. Smith Assistant Purchasing Manager 901-B Texas StreetDenton, TX 76209
Dear Ms. Smith,
Wells Fargo Merchant Services is pleased to provide our response to the City of Denton's Request for Supply of Debit/Credit Card and Electronic Check Processing Services #5955. Wells Fargo is committed to a relationship built on high standards, collaborative thought, process and innovation. We work closely with all of the Wells Fargo partners to deliver products and services backed by financial strength, technology and a commitment to service excellence. Additionally, Wells Fargo is proud to have previously worked with City to provide Depository and Treasury Management Services.
Your Wells Fargo team brings a combination of local relationship management and national product leadership. We will continue to provide ongoing consultative services and creative solutions to enhance your current structure and improve overall efficiencies. Our promise is to meet or exceed the City's expectations.
Your dedicated team is comprised of the following individuals: • Government Relationship Manager Aaron Cook • Wholesale eReceivables Consultant Chi Chi Ogbuagu • Treasury Management Sales Consultant Kathy Kendrick• Treasury Management Sales Associate Mary Beth Benton • Relationship Associate Dixie Highfield
8 year bank tenure 4 year bank tenure 30 year bank tenure 10 year bank tenure 23 year bank tenure
We appreciate the opportunity to present our qualifications and look forward to working with you. If you have any questions about this proposal please contact either Chi Chi or me directly.
Executive summary City of Denton desires to partner with a payment services provider who’s responsive, and who will be a strong advocate for best practices and process improvements. You want a payment-processing partner who’s very knowledgeable about the regulatory and compliance environment surrounding merchant card and check payments. In today’s payments climate where customer account data security is at the forefront, The City desires to ensure that all of its payment channels are secure and that sensitive payment data isn’t stored on The City’s systems and not made accessible to unauthorized persons. Where The City decides to store payment information, say for autopays – the sensitive portion of the data should be stored within the merchant services provider’s environment in a secure vault.
The City wants to ensure that all of its existing payment channels, that is, point of purchase, mail order/telephone order, and internet can be supported. In addition, The City desires that the payment-processing partner provide a vision as well as potentially implement pertinent emerging payment technologies such as EMV (smart card), NFC (near field communications) and contactless payments in line with evolving payment trends.
Wells Fargo has the expertise, the resources, and the systems and technologies to deliver across all of The City’s requirements listed above and even exceed expectations. We distinguish ourselves in the marketplace, and will with The City, in our approach to ensuring that we capture opportunities to drive efficiencies, speed up cash flows, and reduce costs, all the while ensuring that risks are minimized. Wells Fargo will provide experienced resources across each component of the merchant services ‘spectrum’ in order to provide a pleasurable and sustained onboarding, and payment processing relationship with The City. Our implementation team will work to ensure a smooth transition through taking a project management approach while communicating regularly and effectively with The City’s internal stakeholders, and they’ll be succeeded by a dedicated merchant relationship manager who will take on the ‘reins’ of being a responsive advocate for the City in supporting your daily needs.
Our processing and reporting systems are designed to provide visibility to The City on all aspects of the payments process that we control, and ‘actionable’ information will be readily available through our online reporting platform that will support management of processing fees to keep them minimized.
It is our people, and our ‘relationship’ approach towards conducting our business that’s the hallmark of our uniqueness and competitive advantage. Top of mind for us is to do what’s best for our customers above all else. We’re excited at the prospects of serving The City’s payments processing needs today, and for the future. Our proposal, which follows, outlines our capabilities vis-a-vis your requirements.
Please feel free to contact me directly regarding any aspect of our proposal and the solutions therein, and I look forward to the opportunity to present our solutions in person.
Scope of work & specifications Part 1: Debit/credit card processing
1. List any other applicable credit card charges, including information on discountrates, government rates, and MasterCard/Visa utility rates, also monthlymaintenance, statement, software and minimum transaction fees. Only the creditcard charges listed on Attachment A and in this section will be acceptable in themonthly statement of charges.
Like other merchant customers, controlling cost is an important initiative. Making sureyou’re getting a competitive rate can sometimes be a challenge. That’s why Wells FargoMerchant Services offers a low pricing structure, Interchange Plus Pricing. This pricingstructure is a straight pass through of Payment Network costs plus a fee for transactionacquisition. It also makes your pricing transparent, allowing you to understand andcompare rates across providers.
Please refer to Appendix A for a detailed merchant pricing proposal.
Additional informationInterchange rates are governed by the Payment Networks and the rates changeperiodically. For the most current rates, please visit the following sites:
Service feesOur Service Fee Program allows merchants who accept payments for qualified tax,non-tax, and higher education to charge a flat fee or a percentage of the principaltransaction. Because this can offset the cost of accepting card and eCheck payments,you have the option to offer more payment channels.
With this model, you receive funds for the qualifying transaction amount. The servicefee is calculated based on the total transaction amount and forwarded to Wells FargoMerchant Services.
What you need to know Applies to all payment channels; face-to-face, telephone and mail order, and online Service fee is paid to Wells Fargo Merchant Services based on total amount due to
the City Principal and fee post as two, separate transactions on payee’s statement Must disclose fee at time of sale and allow payee to cancel the transaction Must allow payment options to avoid service fee
Convenience fees Convenience fees, on the other hand, can be assessed in general industries and are applied as a “flat dollar amount”. Per the Card Network regulations, the Convenience Fee must be assessed for the “convenience” associated with the merchant’s payment mechanism. An example of this would be where a merchant is charging a convenience fee for allowing payments through the internet.
We will work with the City to understand your plans for the use of a convenience fee model and talk through the technology options for the application and reporting of convenience fees.
For more information on fees, see Appendix A.
2. Please describe how phoned credit card transactions will be handled.
Terminal
FD 200Ti/First Data 200Ti Wi-Fi TerminalWith the First Data 200Ti/First Data 200Ti Wi-Fi, you can process credit, debit, andgift cards, plus secure check transactions with one space-saving payment terminal. Thisterminal features a built‑in check reader and imager that processes checks through theTeleCheck® Electronic Check Acceptance (ECA) service, which verifies the customer’schecking history and guarantees the face value of the check up to $25,000.
Business types supportedRetail, Restaurant, Quick Service, Petroleum1, and Direct Marketing (MOTO)2.
For more information on Telecheck Electronic Check Acceptance (ECA), the EMVcapable FD200 terminals and the FD35 PIN Pad, see Appendix B.
Wells Fargo Payment GatewayFor accepting card payments by phone, card information may be entered into the cardmachine, or Wells Fargo can provide the City with access to our payment gateway virtualterminal, which can process both card and ACH payments by phone.
3. Describe in detail how the City of Denton’s processing program will be operatedon a day to day basis. Provide transaction flow diagrams whenever possible.
TerminalAs a leading merchant acquirer, we fully support the needs of our customers to accept avariety of payment types from consumers. We focus on the types of payments that aregetting traction in the marketplace and only enable payments when we are confidentthat they are safe for our merchants and offer genuine value.
Check acceptance for the electronic ageFD 200 Terminals: Make approval decisions instantly. When you add the TeleCheckECA warranty service to your existing POS terminal, it takes only seconds to scan thecustomer’s paper check and receive an immediate approve or decline decision. Armedwith this information, you can improve customer service, increase sales, and reducefraud risk.
Deposit funds electronically Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days.
Card swipe or contactless Our point-of-sale solutions include wireless and mobile payment terminals, allowing our customers to accept card payments in the field as well as through Wi-Fi. We also support contactless payment capability, which lets merchants accept payments from contactless cards and other emerging non-card based payment types such as mobile phone.
Smart card We also process smart card (also known as Europay MasterCard Visa or mobile NFC) transactions and have specific equipment that can process these transactions.
Wells Fargo Payment Gateway With our online gateway service, either you can accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts.
Below is a diagram showing the transaction flow for electronic checks through our Wells Fargo Payment Gateway service.
4. Identify all subcontracts to be used for these services and what procedures willbe used to monitor quality.
We are a full service merchant provider and we rely on trusted partners. Wells Fargopartners with CyberSource, a Visa company, to offer our gateway service and TeleCheckfor check processing.
It’s important for customers to know they are working with a trusted provider who hasexperience and knowledge in the merchant services industry. With this knowledge andexperience comes a deep-rooted understanding of your challenges and needs. Manycustomers like you have decided to work with Wells Fargo Merchant Services just forthis reason.
Here are some of the quality awards received within Wells Fargo Merchant Servicesand our team members.
2014: Discover Acquirer Marketing Excellence Award 2013-2010: Top Banking Team Award from the American Banker and U.S. Banker
magazine. The Wells Fargo team has won this award four years in a row. 2011: Executive Vice President, Debra Rossi, received Distinguished Payments
Professional award from the Electronic Transaction Association. She is the firstwoman to receive this honor.
In 1993, Wells Fargo and First Data Merchant Services joined to create Wells Fargo Merchant Services, LLC. Wells Fargo Merchant Services offers completely integrated processing. Wells Fargo also partners with CyberSource, a Visa® company, for the powering of our gateway service.
Performance measurements Wells Fargo Merchant Services tracks a variety of performance measurements on a monthly basis. We continue to meet or exceed our established performance goals. Our records for meeting these performance levels for the previous quarter are included in the following table.
Performance measure and goal December 2014
January 2015
February 2015
Authorization system availability 99.95% net of scheduled outages 24
hours a day, 365 days a year
100% 100% 100%
Chargeback timeliness 95% processed in five business days
100% 100% 100%
Retrieval timeliness 98% processed in two business days
100% 100% 100%
Customer service average speed of answer 85% of calls answered within 30 seconds
87.78% 91.65% 85.89%
POS Help Desk average speed of answer (seconds) 30 seconds
5. Explain what back-up procedures will be established in the event of a problem at the City of Denton and with the Respondent.
Secure platform Our processing platforms are fault-tolerant by design with sufficient redundancy and capacity to sustain a complete outage and still be able to process transactions. We achieve average up-time availability of more than 99%, own, and maintain two geographically diverse and operational data centers. Each site acts as a backup to the other by using network diversity and processor redundancy.
Authorization network Monthly dial, backup testing Geographically distributed architecture so single-site failure has zero effect on
authorizations
Settlement network In-house backup site maintained in Omaha, Nebraska for disaster recovery to the
settlement mainframe system Primary and secondary platforms are geographically distributed so a site failure will
not affect customers
Backup sites Wells Fargo maintains backup processing sites under contract; we test them annually as part of routine disaster recovery and business continuity plans.
Our authorization network consists of numerous platforms installed in two geographically dispersed data centers located in Chandler, Arizona and Omaha, Nebraska. These data centers are interconnected by numerous and diverse Wide Area Network (WAN) carriers so that any system, data center site, or WAN failure should not interrupt processing.
Relationship manager Wells Fargo Merchant Services will assign the City a merchant services relationship manager who is responsible for providing proactive account management and superior ongoing support. Your merchant services relationship manager will be your main point of contact. In the unlikely event, the City is unable to process transactions, your merchant services relationship manager will advise you of alternative processing procedures. You’ll likely receive alternative procedures through email.
Relationship team The following is a brief biography for your assigned sales team:
Aaron Cook Commercial Relationship Manager [email protected] 214-661-1245 877-402-4580 fax 1445 Ross Ave 23rd Floor, Suite 2314 Dallas, TX 75202-2812
As your relationship manager, Aaron is responsible for coordinating the team of specialists working on your banking relationship. He has over 15 years of public finance experience as a commercial banker, investment banker, derivative marketer, and deputy director of debt management for two of the nation’s largest issuers of municipal debt. Aaron has worked with numerous issuers across the country to implement and execute creative financing and treasury management solutions. While working for issuers of municipal debt, he oversaw the issuance of several billion dollars of long- and short- term debt for the Chicago Park District and the State of Illinois. Aaron holds a B.A. in political science from North Central College.
Chichi Ogbuagu Vice President Wholesale Merchant Solutions Sales Consultant [email protected] 214-740-1304 866-303-2563 fax 1445 Ross Ave Suite 300, 3rd floor Denton, TX 75202
Chichi’s primary responsibilities include working with the Wholesale Treasury Management group in implementing services for all non-cash account receivable merchant products.
Chichi brings more than 10 years of experience in the areas of sales, business development, marketing, training, and customer service operations.
Kathryn C. Kendrick, CTP Vice President Treasury Management Sales Consultant [email protected] 303-863-6257 866- 967-4765 fax 1700 Lincoln Street 21st Floor Denver, CO 80203
Kathy is responsible for providing customized treasury solutions for the City. She is dedicated to helping the City receive the most efficient and cost-effective treasury management solutions, in addition to keeping you abreast of new and enhanced treasury services and trends.
Kathy has more than 20 years of experience with treasury management and is a member of the Rocky Mountain Association for Financial Professionals. Kathy has the Certified Treasury Professional (CTP) designation. She received the Certified Cash Manager designation in 1996 that was later converted to the CTP designation.
Dixie works with your relationship manager to help enhance the customer service experience. She serves as the liaison between you and the various departments of the bank and acts as a backup when your relationship manager is not in the office.
Dixie brings more than 11 years of experience to her current position and more than 18 years of experience in banking. Dixie earned her Certified Treasury Professional Designation in 2006. She is a member of the National Association for Financial Professionals and a past president of the Nebraska Association for Financial Professionals.
Mary Beth Benton Treasury Management Sales Analyst [email protected] 972-599-4672 4975 Preston Park Blvd. Suite 350 Plano, TX 75093
Mary Beth supports your treasury management sales consultant and will assist you with any treasury management questions when Kathy is unavailable.
Mary Beth brings more than 20 years of banking experience to her current position. She assists you directly with any items pertaining to the implementation of new services.
.
6. Describe Respondent’s capability to meet the following requirements for internet, POP and MOTO.
a. AAVS and CVVI verification required.
Yes. We support both full and partial Address Verification Services (AVS) and we support Card Verification Value (CVV2).
Internet Our internal systems are behind firewalls and in data centers protected by stringent physical security features. Access to all critical locations is controlled by a variety of access control systems, ranging from biometrics to CCTV and security guard monitoring. Data centers are equipped with central alarm systems, appropriate fire systems, secure server room architectures, and security personnel, among other features.
Wells Fargo Merchant Services maintains the following security with merchant internet-based connections:
Encrypted data between merchant and data center servers (Secure Socket Layer 3) Merchants provided with a mainframe access code and password Merchants required to change the password every 30 days
Terminal For information on how the FD200 terminal supports card verification for card-not present transactions for Visa (CVV2), MasterCard® (CVC2) Discover®, American Express, and Retail Address Verification service (AVS), see Appendix B.
Wells Fargo Payment Gateway The Wells Fargo Payment Gateway service allows you to automate fraud filters and keep manual reviews to a minimum without cannibalizing good orders. Some of the screening features include:
AVS (card association address verification) Verification by Visa and MasterCard card SecureCode CVV2, CVC2, CID (verification of three or four digit verification number on card)
b. Daily settlements based on Central Standard Time (CST). Funds must be available the same day, preferred, or next day. Deposits to the City’s bank account must be made daily and must reflect daily batch settlement totals.
You can transmit settlement files at any time. To receive next business day funding to your Wells Fargo account, you must transmit settlement files by the established cutoff times.
In the following table, we list the latest time that you can transmit Visa and MasterCard sales transactions in order to meet the settlement times.
Platform Latest transmission time (Central)
CardNet 1:00 a.m.
PayPal PayFlow Pro on CardNet
8:00 p.m.
PayPal PayFlow Link Gateway on CardNet
8:00 p.m.
Nashville 1:00 a.m.
PayPal PayFlow Pro on Nashville
11:00 p.m.
PayPal PayFlow Link Gateway on Nashville
11:00 p.m.
Authorize.net Gateway on Nashville
5:00 p.m.
FDI Global 11:00 p.m.
The latest time for settlement of closed batches for dial-up solutions is 1:00 a.m. CT.
Wells Fargo Merchant Services will transmit settlement files to:
Latest transmission time (Central)
American Express 10:00 a.m.
Discover Network* 4:00 a.m. and 5:00 a.m.
*Diners and JCB settlement files are processed through Discover Network.
c. Must provide on-line reporting services allowing viewing capabilities of all transactions by Merchant Identification Number (MID). Service must allow exporting and downloading of all transactions for the City.
You can view reports online and group information by locations, by their relationship to each other, to banks, and to external business entities. The City can view information at the lead corporate, corporate, or location level based on your access level.
Hierarchy level Description
Lead Corporate level (corporate) (Non-mandatory)
Identifies if multiple chaining structures are part of a large corporation. Allows entitled users to view reporting from Lead Corporate level down to Location level.
Corporate level (chain) (Mandatory for multiple outlets of same company)
Identifies if the merchant structure is a single chain or part of a corporation. Allows entitled users to view reporting from Corporate level down to Location level.
Location level (outlet) (Mandatory for single-location merchants)
Identifies that the merchant structure is at the Location level only and is not part of a chain or corporation. Allows entitled users to view Location level reporting only.
.
d. Must provide chargeback information by e-mail, fax and/or on-line application.
Yes. As part of our online merchant reporting service, you can manage and respond to chargeback and retrieval requests with our chargeback management tool. Using the chargeback management tool, you can work your chargebacks and retrievals electronically and submit scanned images of the required sales documents, eliminating the need for paper files. In addition, you can have increased control and audit functionality over your back office workflow.
e. Must provide internet gateway service.
Wells Fargo Payment Gateway service Wells Fargo and CyberSource have collaborated to introduce the Wells Fargo Payment Gateway service powered by CyberSource. The Wells Fargo Payment Gateway service is a comprehensive receivables platform solution from a trusted provider that provides a single integrated platform, credit card and eCheck payment acceptance, international processing capabilities, and robust reporting. Our solution is PCI compliant.
The Wells Fargo Payment Gateway can help:
Improve the reconciliation process by providing matched reporting for Interchange and chargebacks
Reconcile at the transaction level with the use of a unique transaction identifier and minimize reporting errors
Tokenize payment information, eliminating the need to store the information on your servers
Process in global currencies, allowing you to expand your sales channel into new markets
Automate your reconciliation processing with a reporting Application Programming Interface (API)
Further, our gateway service supports the following transaction types 24 hours a day, 365 days a year:
Capture: Capture of any previously requested authorization. Capture with Verbal Authorization (Charge): Authorization obtained outside
of the Wells Fargo Payment Gateway service (for example 800 authorization number) with capture using the Wells Fargo Payment Gateway service.
Refund: Partial and full refunds of previous captured transactions; stand-alone refunds (no previous capture) are also supported.
Voids: Voids a captured transaction prior to the gateway settlement cutoff time of 11:00 a.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request. Authorization reversals for other card types except American Express are also available.
Account Updater: Account Updater integrated with the Wells Fargo Payment Gateway service is supported for records stored on file within the Wells Fargo Payment Gateway service. Account Updater is also available as a standalone application from the Wells Fargo Payment Gateway service.
Our Wells Fargo Payment Gateway service can be integrated to work with any application that supports web services. Many third parties, such as shopping carts, cashiering, and Interactive Voice Response (IVR) applications already have interfaces compatible with the Wells Fargo Payment Gateway service’s core technical specifications.
Electronic checks With our gateway service, either you can accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts.
Below is a diagram showing the transaction flow for electronic checks through our Wells Fargo Payment Gateway service.
Billing services With our gateway service, you have the option of providing electronic billing services to your customers with our Subscription services. Subscriptions are available in three varieties. You can create and modify all types of subscriptions with the Simple Order Application Programming Interface (API), in the Business Center, or with the Hosted Order Page.
On-demand subscriptions You can store a payment amount with the subscription. At any time, you can send a request to bill the customer for an amount you specify and our Wells Fargo Payment Gateway service will retrieve the necessary subscription information and use it to process the payment.
Installment subscriptions Use an installment subscription when you want to process a specific number of regular payments. For example, you might offer a product that costs $75.00, and the customer pays three payments of $25.00 each. An installment subscription has all the on-demand subscription information as well as this additional information:
Number of payments Collection amount Frequency for collecting the payments: weekly, monthly, and so on Start date for collecting payments For installment subscriptions, the Wells Fargo Payment Gateway service creates a schedule based on the subscription information and automatically bills the customer according to the schedule.
Recurring subscriptions Use a recurring subscription when you offer an on-going service that has no specific end. For example, you might offer an online service to which the customer subscribes and pays a monthly fee. A recurring subscription has all the on-demand subscription information as well as this additional information:
Collection amount Frequency for collecting the payments: weekly, monthly, and so on Start date for collecting payments For recurring subscriptions, the Wells Fargo Payment Gateway service creates a schedule based on the subscription information and automatically bills the customer according to the schedule.
Tokenization Our gateway service supports tokenization of card data. This provides PCI security for card data “at rest” within the merchant’s servers by removing payment card information from the merchant completely, replacing the Primary Account Number (PAN) with a “token.” This token is then associated with the transaction and original card number for the life of the record.
Fraud controls Additionally, when you use our online gateway service you have a powerful fraud prevention tool at your disposal. The Decision Manager service within our gateway is an optional administration dashboard that provides you with an automated and streamlined fraud management operation. This service uses global validation services, the business-user rule management console, and case management. Decision Manager makes it easy to adopt and manage fraud at a completely new level.
The Wells Fargo Payment Gateway service allows you to automate fraud filters and keep manual reviews to a minimum without cannibalizing good orders. Some of the screening features include:
Access to over 150 global validation tests and services Device fingerprinting Velocity monitoring IP Geolocation Multi-merchant transaction histories/shared data Global telephone directories Global delivery address verification services Positive and negative list AVS (card association address verification) Verification by Visa and MasterCard card SecureCode CVV2, CVC2, CID (verification of three or four digit verification number on card) Custom fields for your own data
We’d like to discuss this fraud tool with you in detail. There are many different ways that you can set this tool up to help you fight fraud.
Secured storage Process payments without storing or handling sensitive account data Achieve payment security (PCI) certification faster and easier Increase consumer trust and reduce brand risk Protect your company from costly consumer notification requirements Supports all payment actions and checkout models Protects you from risk but doesn’t restrict payment flexibility or custom interaction
with your systems
Supported payment actions and checkout models include:
Recurring billing, installment billing One-click buy Settlement and partial settlement Re-authorization Credit and partial credit One-time transaction
Reporting and reconciliation Our Wells Fargo Payment Gateway service provides enhanced reporting tools that allows you to reconcile payments through all aspects of the payment cycle, including chargebacks and returns. You have the ability to view and search for all aspects of each transaction through a streamlined online interface, or you can integrate payment data into its own system using industry standard Web technologies.
Additionally, with the use of the merchant defined field within our gateway service, you can speed up and simplify your reconciliation process. This merchant defined field is in all your report files and can be directly uploaded to your ERP system for automatic reconciliation.
Reports can be generated weekly or monthly in CSV, XML, Excel, or PDF format (or programmatic download). You can also have report information automatically loaded to your financial systems through an API (Application Programming Interface) connection.
Standard reports through our gateway service include the following information:
Summary of transactions, including authorizations, captures, and more Currency and payment method used for payment transactions Amount and count of payment transactions by payment method and by currency Events related to certain types of payment transactions Detailed information about payment and risk transactions
International capabilities With our gateway service, we support local dollar funding (authorizing, settling, and funding in local currency) for U.S. and Canadian dollars. Local currency processing is available for Euros, Yen, and Australian and Hong Kong Dollars. U.S. Dollar funding (the cardholder pays in local currency) is supported for 140 currencies worldwide. International processing is also contingent on the POS system’s capabilities.
Funding per currency is displayed in the table below. Interchange fees for local currency funding is netted daily and is based on U.S. Interchange rates or local Interchange rates, if eligible. Merchant account, gateway processing, and U.S. Dollar funding fees (including Interchange) are billed the following month.
USD Visa, MasterCard, and Discover Network Full Service
Next Business Day 2 - 3 business days
CAD Visa and MasterCard 4 business days 4 - 5 business days
GBP Visa and MasterCard 4 business days 4 - 5 business days
EUR Visa and MasterCard 4 business days 4 - 5 business days
AUD Visa and MasterCard 4 business days 4 - 5 business days
HKD Visa and MasterCard 4 business days 4 - 5 business days
JPY Visa and MasterCard 4 business days 4 - 5 business days
1Funding timelines applicable to all transactions processed prior to 11:00 p.m. CT settlement cutoff. 2Wells Fargo is unable to quote American Express and non-Discover Network Full Service as they provide their own funding schedules outside of the Wells Fargo environment.
3Wells Fargo will remit funds to a non-Wells Fargo Account on the fourth business day. However, depending on the financial institution, they may not fund your account until the fifth business day or later. Our experience is most funding occurs within five business days.
7. Describe how Respondent will notify payer of the dollar amount of all payments and obtain the payer’s approval (electronic or otherwise) of such payments prior to initiating credit and/or debit authorizations.
Terminal The buyer would be aware of the purchase price at the time of purchase.
Wells Fargo Payment Gateway Through our gateway service, the customer is prompted through each step of the payment making process. The breakdown of the payment is clearly displayed for the customer to decision before they make a payment.
8. Describe how Respondent will provide payers with electronic confirmation of payment transactions.
Terminal
Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. Once the transaction is approved, the customer would get a copy of the transaction receipt.
Deposit funds electronically Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days. Once the transaction is approved, the customer would get a copy of the transaction receipt.
Wells Fargo Payment Gateway Confirmation of payment is provided through the Wells Fargo Payment Gateway service. The payment confirmation page can be customized with the City’s look and feel. A similar error page can be displayed if there is a problem processing the payment. An example confirmation page is provided on the following page.
Additionally, an email confirmation can also be provided. An example email receipt is provided below.
9. Describe how Respondent will electronically transmit all card transactions to the appropriate card processing center, in real time, as the transactions occur, and balance and reconcile electronically captured transactions on a daily basis.
Terminal We support a wide range of transmission methods, including batch and real-time for MPLS, satellite (VSAT), Internet Protocol Network (IPN), dial-up, internet, and wireless.
Our networks and systems have established performance parameters, but transactions also flow through the Payment Networks (Visa and MasterCard), issuing banks, third-party processors, and the merchant’s systems and networks. With that, we can only report on response times within our own systems. However, some merchants have provided us with their observed response times, and we have done testing to give us an indication of what to expect.
Based on internal measures, merchant feedback, and testing observations, you can expect average responses times as indicated in the following table:
Authorization method Peak response time Off-peak response time
Dial-up 8 − 9 seconds 8 – 9 seconds
Internet 2 – 3 seconds 2 – 3 seconds
MPLS 2 – 3 seconds 2 – 3 seconds
VPN 2 – 3 seconds 2 – 3 seconds .
Wells Fargo Payment Gateway
Real-Time Authorization Flow Cycle Cardholder presents a card to pay for their purchases. For card-absent transactions,
the cardholder provides the merchant with the account number, expiration date, billing address, and CVV2.
Merchant swipes the card, enters the dollar amount, and transmits an authorization request to the merchant bank. For card-absent transactions, the account number and other information may be digitally or key-entered into the gateway service.
Wells Fargo electronically sends the authorization request to the Payment Network. Payment Network passes on the request to the card issuer. Card issuer approves or declines the transaction. Payment Network forwards the card issuer’s authorization response to us. We forward the response to the merchant. Merchant receives the authorization response and captures the transaction using the
Settlement and funding Gateway service settles the capture at 11:00 p.m. CT. Wells Fargo credits the merchant’s account and electronically submits the
transaction to the Payment Network for settlement. Funds are available the next business day to a Wells Fargo Demand Deposit Account
(DDA) for U.S. Dollars and four business days for local currencies.*,†
*Funding to a non-well Fargo DDA may take longer to process. †American Express and Discover Direct will also take longer to fund, regardless of where the deposit
account is located
The City can always access details about transactions sent to Wells Fargo Merchant Services for authorization and settlement through our online merchant reporting tool. At the end of the day — or whenever is best for your business — transactions are sent for final settlement to the cardholders’ financial institutions. Once settled, we deposit this batch total to your account and report it on your merchant statement. The batch detail report contains both the summary batch information as well as the detail batch information including learner, payment type, and date.
Account reconciliation Reporting is available online the next business day .
10. Describe how Respondent will retain credit authorization logs and transaction records for such period of time as required by applicable law and the rules, regulations and operation procedures of the respective card organizations, and records shall contain the following information: transaction type, date and time of transaction, City account number, and card’s account number and expiration date, card holder’s name, dollar amount of transaction and approval code.
Yes. We can accommodate all of the City account information storage requirements with our online merchant reporting system. You can access detailed historical information and historical summary reports about sales, refunds, and chargebacks. You can view all reports through the dashboard or through the scheduled report option.
The following table illustrates the time frame for the storage of your historical data:
Detailed information or report Number of months available
Batch summaries 13 months + current month
Cardholder detail 6 months + current month
Authorization list and detail 6 months + current month
Chargeback lists 5 months + current month
Chargeback detail 6 months + current month
Checking account transfers 6 months + current month
Online outlet statement 5 years
Financial history 13 months .
11. Provide City of Denton with logos, graphics, and other appropriate marketing materials for citizen communication in English and Spanish.
Once we have opened and activated your merchant account, you will receive a complimentary Welcome Kit with supplies to help you get started. The kit includes card payment network decals (Visa, MasterCard, Discover, and American Express), receipt roll paper, sales drafts, and credit slips. When you need to refill or order more supplies, call our Merchant service customer service number 1-800-451-5817 and they will help you get what you need for your specific business and equipment, and they will discuss any costs with you.
While we do not offer a Spanish Welcome Kit at this time, Wells Fargo Merchant Services has Spanish-speaking team members in our customer service, Point-Of-Sale, and chargeback phone centers. In addition, we use the services of the AT&T Language Line for immediate, online interpretation and translation in 140 languages.
We do not provide advertising allowances.
12. Provide City of Denton with monthly reports (in a mutually agreed upon format) summarizing use of the services for the applicable reporting period. Sample report must be included in this proposal.
Yes. You can receive reports directly to a fax machine or an email box in various file formats (PDF, DOC, XLS, and CSV) and can schedule them to arrive daily, weekly, monthly, quarterly, or annually.
13. Provide internet payment service in both English and Spanish.
Wells Fargo Merchant Services has Spanish-speaking team members in our customer service, Point-Of-Sale, and chargeback phone centers. In addition, we use the services of the AT&T Language Line for immediate, online interpretation and translation in 140 languages.
Web pages can be designed to accommodate Spanish language preference.
14. Explain how the Respondent will handle any copy requests or chargebacks for the City of Denton.
Chargeback support You can work with your merchant services relationship manager for help with managing chargebacks. You will receive guidance and support in managing and collecting the correct paperwork needed for chargeback reversals and dispute resolutions.
Cardholders Because the cardholder dispute process differs depending on the card issuer, cardholders work directly with their respective credit card company to resolve a dispute or chargeback.
Merchants Once you receive a chargeback advice request, you have 20 calendar days to fax a clear and legible copy of the sales record. If you’ve already issued a credit, you must respond to the chargeback notice by sending a copy of the credit record, including the date and the amount that the cardholder account was credited. To dispute a chargeback, you must provide a clear copy of the sales order showing:
Date of original sale or credit Cardholder’s account number and name Description of goods and services Total amount of the sale Total amount of the chargeback Date of authorization and approval code Dated cover letter detailing the reasons for requesting a review of the chargeback Supporting documentation such as an Address Verification Service (AVS) code,
delivery confirmation, or any correspondence with the cardholder
If the documentation is received within reversal time frames and the dispute warrants a reversal of the chargeback to the card issuer, we will return the item to the card issuer, and your account will be credited.
Dispute Manager As part of our online merchant reporting tool, BusinessTrack®, you can manage and respond to retrieval requests and chargebacks with Dispute ManagerSM. Dispute Manager is an online chargeback management tool that lets you work chargebacks electronically and submit needed sales documents through scanned images.
Dispute Manager offers chargeback and retrieval processing and management in a highly secure and automated, online environment. Dispute Manager lets you work chargebacks and retrievals online, reducing the time and expense of faxing and mailing, and eliminating the need for paper files. In addition, this service provides you increased control and audit functionality over your back office workflow.
Benefits Save time — Streamline your chargeback and retrieval management process with this
automated system Be more independent and efficient — Manage cases online for faster and easier
dispute resolution Enhance your financial power — Control workflow in the back office in real time, and
increase your audit functionality Decrease losses — Respond quickly to retrieval requests and decrease the possibility
of a chargeback resulting from a non-response Streamline reconciliation — Download information for easy analysis Reduce costs — Save on mail and fax expenses, and gain efficiencies through better
time management and financial controls
15. Red Flag Act Rules and Fair & Accurate Credit Transactions (FACT) Act. The Respondent is required to comply with the Red Flag Rules and the FACT Act. The Respondent must ensure that all nonpublic personal customer identity information provided by the City remain confidential by maintaining safeguards for the information received. The Respondent will not disclose or use such information for any purpose other than is reasonably necessary to fulfill the purpose for which such information was provided by the City or otherwise permitted by applicable laws. A signed service provider acknowledgement must be completed in conjunction with the Respondent Services Contract.
Wells Fargo Merchant Services has designed procedures, standards, and technology to protect the City’s information at every transaction level. We adhere to a strict policy to safeguard the privacy of our customers.
To highlight our commitment to privacy:
We do not sell our customers’ information to third parties We do not share customer information with third parties who have an interest in
marketing to your organization We give you a choice of how you want your information to be shared within the
16. System requirements a. Point of Purchase (POP) processing terminals for handling electronic check
verification and/or guarantee, and batching and debit or credit card authorizations are to be connected to existing Microsoft Windows-based desktop computers through standard peripheral connections, such as COM or USB (Preferred). The terminal peripherals would utilize software present on the computer, either an installed software client or a web-browser-based control interface, to communicate via the internet with the Respondent’s host system for purposes of communicating transaction information at the point of purchase. Respondent software would provide for receipt printing of all transactions, with capability to re-print receipts if necessary. Software interface must be capable of handling both card-present, and card-not-present transactions and associate each with the correct fee schedule.
Terminal: Check acceptance for the electronic age
Card present FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk.
With the First Data 200Ti/First Data 200Ti Wi-Fi, you can process credit, debit, and gift cards, plus secure check transactions with one space-saving payment terminal. This terminal features a built‑in check reader and imager that processes checks through the TeleCheck Electronic Check Acceptance (ECA) service, which verifies the customer’s checking history and guarantees the face value of the check up to $25,000.
Card not present The FD200 terminal supports card verification for card-not present transactions for Visa (CVV2), MasterCard (CVC2) Discover, American Express, and Retail Address Verification service (AVS), see Appendix B.
Deposit funds electronically Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days.
The terminals are software based so the updates are maintained for you.
For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B.
Wells Fargo Payment Gateway Our online based service is completely software based so all of the updates are done for you. Our gateway service supports the following transaction types 24 hours a day, 365 days a year:
Authorization Real time, including $0.00 authorizations for Visa card and $1.00 authorizations for all other card types.
Capture Capture of any previously requested authorization.
Capture with Verbal Authorization (Charge) Authorization obtained outside of the gateway service (for example 800 authorization number) with capture using the gateway service.
Refund Partial and full refunds of previous captured transactions; stand-alone refunds (no previous capture) are also supported.
Voids Voids capture transaction prior to the gateway settlement cutoff time of 7:00 p.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request.
Account Updater Account Updater integrated with the gateway service is supported for records stored on file within the gateway service. Account Updater is also available as a standalone application.
For information onTelecheck Electronic Check Acceptance (ECA) service, see Appendix B. For information on our Wells Fargo Payment Gateway, see Appendix D.
b. Transaction data would need to be captured and cataloged according to the following hierarchy: City of Denton >> Department >> Location >> Operator >> Batch ID. Reporting capabilities would need to be provided to allow the City to research and reconcile transactions passing through the Respondent. This reporting should be web-based, and accessible in real-time. Transaction data should be captured either locally on City provided database and hardware platforms or remotely at the Respondent’s location as long as reporting needs are effectively met.
Yes. We can meet all of the City’s reconciliation requirements; we offer 100’s of reporting options including customized reports. Our reports are available online and with real time information.
17. Point of purchase equipment a. Please list any hardware/software requirements for this service and the costs to
replace existing hardware/software. Please list financing options or other replacement considerations Respondent may desire to propose to the City.
Terminal Software upgrades are updated and maintained for you at no charge.
We recommend that the City use the FD 200 terminal, which does both card, and check plus the FD 35 EMV pin pad to support smartcard or contactless payments.
Your purchased equipment has a one-year full replacement agreement and after that year, you can exchange equipment for $225.00.
You can swap your rental equipment at no cost if it malfunctions, and you can swap your leased equipment at no cost if it malfunctions during the time of lease. You will need a new lease if your existing equipment is no longer available.
Our replacement fee policy is detailed in the following paragraphs. The City will not be charged for shipping and handling on equipment replacement orders.
Monthly rental Your rental replacements will be shipped at no cost during the period the rental agreement is active. You may (depending on ship date) pay two rental fees until the broken unit is returned.
Lease We can ship your lease replacements at no cost, provided you meet the following criteria:
Your account is active and processing through Wells Fargo Merchant Services The City entered into the lease with First Data Global leasing through Wells Fargo
Merchant Services Lease agreement is still active
You will not be charged a fee for obsolete equipment requiring an upgrade but will be responsible for any costs associated with the upgrade (such as increased monthly costs and upgrade fees).
Resale or installment purchase You will receive a replacement at no charge if you order the replacement within one year of the original purchased equipment deployment date.
After the one-year warranty, your replacement policy applies.
The City-owned You will be charged the following replacement fees, provided no maintenance fee is currently on the account.
Terminal with an integrated printer: $225.00 FD 35PIN pad: $160.00
You will not pay more than one replacement fee on the same piece of equipment within 90 days*.
*Our equipment vendor will ship three call tags for all replaced equipment. If the replaced equipment is not received within 90 days of the equipment replacement, you will be charged for non-returned equipment.
For detailed pricing, see Appendix A.
For more information on the EMV capable FD200 terminals, the FD 35 EMV pin pad to support smartcard or contactless payments see Appendix B.
Wells Fargo Payment Gateway Our services are internet based and all software upgrades are updated for you and at no charge to the customer.
b. Debit/Credit Card Terminal – Industry standard hardware utilizing 3-track magnetic stripe reader, integrated PIN pad and display unit with COM or USB (Preferred) connectivity to interface with current Microsoft Windows-based desktop computer. Terminal must be EMV capable (contact/contactless). Terminal should have the ability to be placed within the customer’s reach for transaction processing so as to afford the customer the added security benefit of card retention. Terminal display would be programmed with all relevant customer prompts and responses so as to minimize cashier instruction.
Terminal For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B.
c. Receipt Printer – Industry standard thermal printer hardware using Parallel, COM or USB (preferred) communication to connect to current Microsoft Windows-based desktop computer. Receipt would provide the following information for all transactions: (1) credit cards - City logo or name, department, address, phone number, operator, transaction date and time, card holder’s name, last four digits of card used, transaction amount, approval code, other City required data, and signature line.
Terminal
Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk.
Deposit funds electronically Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days.
Receipt Dual built-in printers: Thermal printer for credit card receipts prints 15 lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs.
Wells Fargo Payment Gateway Our easily assessable online gateway solution provides confirmation of payment be provided through the Wells Fargo Payment Gateway service. The payment confirmation page can be customized with the City’s look and feel. A similar error page can be displayed if there is a problem processing the payment. An example confirmation page is provided on the following page.
18. Software updates a. The City expects that software “bugs” will be addressed within a
reasonable and fair time frame under the basic maintenance agreement held with the Respondent. A software “bug” is defined as a glitch, anomaly, or other reproducible condition that materially affects the proper operation of the software as designed, and prevents the City from using the software as intended.
Terminal The terminals are software based so the updates are maintained for you.
Wells Fargo Payment Gateway Our gateway is completely software based so all of the updates are done for you.
b. The City may request additional features or functionality during the duration of the contract. City and Respondent will agree whether these enhancements constitute a material change above and beyond what is covered under the standard maintenance agreement for the software. In the event that the changes represent a billed-for service, the City will have the option to purchase the enhancement, and incorporate the ongoing support for that enhancement as part of the standard maintenance agreement.
We agree.
c. Respondent is responsible for ensuring that their software functions on current mainstream desktop computers. This includes hardware not to exceed 4 years in age, and the current public release of the Microsoft Windows desktop operating system for business and professional use with all required security patches installed. If the client software is deployed in a browser, it must be compatible with the current retail release of Microsoft Internet Explorer (Internet Explorer II) with all required security patches installed. It is the Respondent’s responsibility, under the terms of the maintenance agreement, to resolve issues arising from the application of critical Microsoft patches that may interfere with the proper operation of the Respondent’s software.
Terminal The suggested terminals are software based, so the updates are maintained for you and require minimal involvement from the City. We do not charge for software or for software upgrades.
Wells Fargo client services, technical support, and terminal support are available to the City 24 hours a day, 365 days a year.
Your merchant services relationship manager is available to assist you as well.
Wells Fargo Payment Gateway Our online based service is completely software based so all of the updates are done for you.
d. City is expected to have access to new releases of software free of charge under the terms of the annual maintenance agreement.
Terminal The suggested terminals are software based, so the updates are maintained for you and require minimal involvement from the City. We do not charge for software or for software upgrades.
Wells Fargo client services, technical support, and terminal support are available to the City 24 hours a day, 365 days a year.
Your merchant services relationship manager is available to assist you as well.
Wells Fargo Payment Gateway Our online based service is completely software based so all of the updates are done for you.
19. Telephone lines and internet a. None of the peripherals used in any solution will use a conventional
telephone line to process transactions; all transactions will be handled over the internet. In the event that internet processing is unavailable, transactions will be queued for processing at such time as Internet connectivity is restored. This queuing process may be manual, or integrated into the software (preferred). Provide an explanation of how face-to-face credit card transactions can be authorized and then processed later in the Respondent software.
Yes, we fully support this function.
First Data 200Ti/First Data 200Ti Wi-Fi terminal features 128 x 64 touch-screen technology Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU Wi-Fi capability (optional) 96MB RAM standard memory Five USB and two serial ports Dual built-in printers: Thermal printer for credit card receipts prints 15
lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs.
FD200 terminals support contactless payment technology with the appropriate peripheral.
Wells Fargo Payment Gateway Yes, we can fully support this function. Further, our gateway service supports the following transaction types 24 hours a day, 365 days a year:
Capture: Capture of any previously requested authorization. Capture with Verbal Authorization (Charge): Authorization
obtained outside of the Wells Fargo Payment Gateway service (for example 800 authorization number) with capture using the Wells Fargo Payment Gateway service.
20. Reporting requirements a. The City of Denton will require on-line access to daily funding notices,
exception items and weekly and month-end summary reports. One hard copy of each report must be sent to the City of Denton by U.S. mail to the attention of the Assistant Director of Finance. The daily funding notice must also be faxed or e-mailed each day. The City of Denton has a tiered account structure and reports and transaction information must be accessible within each tier.
Yes. We can meet all of the City’s reconciliation requirements; we offer 100’s of reporting options including customized reports. Our reports are available online and with real time information.
For more information on our reporting options, please see the response to section #20 b., see below response.
b. For this proposal, describe the contents and distribution frequency of all of the reports that will be provided to the City of Denton. Sample reports must be included in the proposal.
Getting the information you need when you need it, is important to many businesses like yours. That’s why you can access your payments-related data quickly and easily with our online merchant reporting tool, BusinessTrack. From any internet-based PC, you can access and analyze transaction detail for all card types, conduct sales audits, manage processing fees, reconcile your checking account, investigate chargebacks, protect against losses, view historical information for analysis, and manage cash flow.
Reports available The ClientLine® reporting tool features six types of Sales and Funding reports.
Report name Description
Transactions Transactional reports for reconciling to a POS or looking at overall transaction volume
Bank Deposits Funding reports for reconciling to your bank account
Adjustments Deductions made from your total sales (chargebacks, fees, Interchange charges, etc.
Refunds Refund data for monitoring of potential fraud
Debit Suspense* Authorized PIN debit transactions for which payment could not be received from the issuer *applicable only to merchants accepting PIN debit
Today’s Data* Total funding amount to be paid today *applicable only to merchants set up for same funding
.
The Report Wizard lets you custom build each report to your own specifications.
Please refer to the Appendix C for our merchant services standard reports, including detail and summary reports.
How it works Rather than waiting for a report, you conduct the analysis that suits you, exactly when you need it. The City can select from more than 100 available reports or create your own by choosing which fields to include, from a comprehensive database that includes the processing of gift cards, checks, and all credit, debit, and Electronic Benefits Transfer (EBT) card transactions. You decide what information you need to manage your business.
You can receive reports directly to a fax machine or an email box in various file formats (PDF, DOC, XLS, and CSV) and can schedule them to arrive daily, weekly, monthly, quarterly, or annually.
Features Standardized, web-based reports that give you access virtually any time to
payment processing information Dashboard view for a snapshot of essential processing information,
including the most recently posted, and for funded transactions and fees Detailed reports for drilling down into specific locations, transaction types,
adjustments, and more Summary information for up to 13 months Query builder to construct reports based on selected fields, across selected
merchant locations Reporting that can be emailed or faxed wherever you need Credit, debit, and gift card activity summaries for any selected time period Dispute reporting to help you manage chargeback and retrieval expenses
Help your organization Access payment processing information 24 hours a day, 365 days a year Reduce calls to customer service departments Drill down into funding events and reconcile total sales Create reports and schedule their distribution
You can visit www.BusinessTrack.com for an online tour.
21. Operations and technical support requirements a. The processing system provided must be fully automated and easy to use.
Describe in detail how the program will be operated on a day-to-day basis. Additionally, explain what back-up procedures will be established for each item.
Terminal
Check acceptance for the electronic age: The FD 200 terminals are very easy to use and all the software is maintained and updated for you.
For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B.
Wells Fargo Payment Gateway With our service, you can easily manage payment risk and streamline your online payment processing channels. Implementing our service puts a secure, flexible, and PCI-compliant processing environment at your fingertips. You’ll have a single source for multiple payment options, report and reconciliation services, and tools to reduce transaction risk and manage fraud. Combine this with a Wells Fargo deposit account, and you’ll have access to next-business-day funding of your card payments.
Our comprehensive receivables solution is powered by CyberSource and provides an integrated platform for credit card, debit card, and eCheck payment acceptance.
Features and benefits With our gateway solution, the City can:
Reduce your PCI scope as our gateway solution securely stores payment data
Tokenize payment information for greater security and reduced risk of exposure
Automate the fraud screening process using our fraud management tool and you only need to review orders that meet your criteria for manual review
Automate and speed up your reconciliation processing with a reporting Application Programming Interface (API)
Minimize reporting errors at the transaction level with the use of a specific transaction identifier
Speed up the reconciliation process with matched reporting for Interchange and chargebacks
Expand your sales channel to new markets with global currencies processing
It’s easy to integrate any application that supports web services with our gateway. Many third parties, such as shopping carts, cashiering, and Interactive Voice Response (IVR) applications, already have interfaces compatible with our gateway service’s core technical specifications.
Backup sites Our processing platforms are fault-tolerant by design with sufficient redundancy and capacity to sustain a complete outage and still be able to process transactions. We achieve average up-time availability of more than 99% and own and maintain two geographically diverse and operational data centers. Each site acts as a backup to the other by using network diversity and processor redundancy.
Authorization network Monthly dial, backup testing Geographically distributed architecture so single-site failure has zero effect
on authorizations
Settlement network In-house backup site maintained in Omaha, Nebraska for disaster recovery
to the settlement mainframe system Primary and secondary platforms are geographically distributed so a site
failure will not affect customers
Wells Fargo maintains backup processing sites under contract; we test them annually as part of routine disaster recovery and business continuity plans.
Our authorization network consists of numerous platforms installed in two geographically dispersed data centers located in Chandler, Arizona and Omaha, Nebraska. These data centers are interconnected by numerous and diverse Wide Area Network (WAN) carriers so that any system, data center site, or WAN failure should not interrupt processing.
With our highly redundant, server-based processing platforms, backup disaster recovery services have never been used as of October 2015.
22. Supplies/equipment a. It is critical that the Respondent provide the City of Denton with the
necessary equipment and supplies for this program. Describe the entire process in detail and include:
We recommend that the City use the FD 200 terminal which supports card and check processing and the FD35 PIN pad attachment which supports PIN debit, contactless, and smartcard/Chip card payments
Your purchased equipment has a one-year full replacement agreement and after that year, you can exchange equipment for $225.00.
You can swap your rental equipment at no cost if it malfunctions, and you can swap your leased equipment at no cost if it malfunctions during the time of lease. You will need a new lease if your existing equipment is no longer available.
Our replacement fee policy is detailed in the following paragraphs. The City will not be charged for shipping and handling on equipment replacement orders.
Monthly rental Your rental replacements will be shipped at no cost during the period the rental agreement is active. You may (depending on ship date) pay two rental fees until the broken unit is returned.
Lease We can ship your lease replacements at no cost, provided you meet the following criteria:
Your account is active and processing through Wells Fargo Merchant Services
The City entered into the lease with First Data Global leasing through Wells Fargo Merchant Services
Lease agreement is still active
You will not be charged a fee for obsolete equipment requiring an upgrade but will be responsible for any costs associated with the upgrade (such as increased monthly costs and upgrade fees).
Resale or installment purchase You will receive a replacement at no charge if you order the replacement within one year of the original purchased equipment deployment date.
After the one-year warranty, your replacement policy applies.
City-owned You will be charged the following replacement fees, provided no maintenance fee is currently on the account.
Terminal with an integrated printer: $225.00 FD 35PIN pad: $160.00
You will not pay more than one replacement fee on the same piece of equipment within 90 days*.
*Our equipment vendor will ship three call tags for all replaced equipment. If the replaced equipment is not received within 90 days of the equipment replacement, you will be charged for non-returned equipment.
For information on the EMV capable FD200 terminals with TeleCheck and the FD 35 EMV pin pad, that supports smartcard, contactless payments and mobile wallet payments see Appendix B.
i. What equipment/supplies will be needed?
We recommend that the City use a combination of the new FD 200Ti/First Data 200Ti Wi-Fi terminals with the FD35 PIN pads and our Wells Fargo Payment Gateway virtual terminal option.
For information on the EMV capable FD200 terminals with TeleCheck and the FD 35 EMV pin pad. That support smartcard, contactless payments and mobile wallet payments, see Appendix B.
For more information on Mobile payments, see Appendix G.
For more information on our gateways service, see Appendix D.
ii. Who should order them and how?
You can order supplies by contacting either your merchant services relationship manager or our Wells Fargo Merchant Services Supplies Desk at 1-800-451-5817.
iii. From whom and where they are to be ordered?
Wells Fargo Merchant Services Supplies Desk at 1-800-451-5817.
iv. What time schedules should be used for placing orders?
Most items are well stocked and ship out within 48 hours.
v. Please list the costs to replace existing hardware/software. Please list financing options or other replacement considerations Respondent may desire to propose to the City.
23. Error detection a. It is important that the Respondent does everything possible to identify
errors for the City of Denton. Describe actions the Respondent will take to identify and correct errors. Include how different errors will be handled such as interchange rates, late daily settlements, etc. Also include methods for notifying the City of Denton of these errors and advise what level of support front line custodians will be provided during all business hours.
Your merchant services relationship manager will be your main contact for customer service. They will work closely with the City in correcting any errors and executing and account or transactional reviews needed to ensure that the City’s accounts are up and running smoothly.
Reporting options We offer daily reporting that provides the ability to delete transactions that did not settle as well as Interchange Rate Analysis, which identifies transactions with higher processing costs.
You can also call our customer service unit. Our customer service line is provided in-house and in association with our processing partner, First Data Merchant Services. From coast to coast, you have access to customer services team members who are available to help you.
You will have an annual business review with your merchant services relationship manager. We customize this meeting to meet your needs and we can schedule it as often as you need. The main topics covered include:
Processing volume Chargebacks Interchange qualification and optimization Industry trends and patterns New products and services
24. POP signage a. Identify the requirements regarding POP signage and formats for mail-in
forms. Please describe as much of this information as possible.
Once we have opened and activated your merchant account, you will receive a complimentary Welcome Kit with supplies to help you get started. The kit includes card payment network decals (Visa, MasterCard, Discover, and American Express), receipt roll paper, sales drafts, and credit slips. When you need to refill or order more supplies, call our Merchant service customer service number 1-800-451-5817 and they will help you get what you need for your specific business and equipment, and they will discuss any costs with you.
25. Chargebacks and copy requests a. The City of Denton expects to maintain transaction copies. Please explain
requirements that must be followed regarding these receipts and the penalties for not doing so. Explain how the Respondent will handle any copy requests or chargebacks for the City of Denton. The City of Denton expects the Respondent to fully represent its position in the event of any type of dispute with one of the card companies.
Processes are based on individual regulations by card type and take into account various merchant configurations and processing needs. Based on rules and regulations, we provide substitute draft processing. This fulfills retrieval requests with required data elements, when applicable, and eliminates unnecessary retrieval requests. In these instances, we respond on our merchants' behalf.
In order to properly fulfill the request, you must:
Make a legible copy of the original sales draft Make a copy of any agreements or order forms, where applicable Make a copy of the credit draft if credit has already been issued Write the case number from the retrieval request on each page of the
request Fax, mail, or submit online all copies of the retrieval request, as appropriate
For retrieval requests that we cannot fulfill, you have 20 calendar days to respond. We can process your request if your response is received after this timeframe, as long as it is still within the Payment Networks timeframe. The timeframe is typically 20 to 30 days and dependent on the respective card issuer.
The turnaround time for ticket retrieval requests varies based on the specific card issuer and the reason for the request.
26. Training and reference manuals a. It is the Respondent’s responsibility to ensure that the City of Denton
staff is thoroughly trained before the program launch will be considered final. Describe the requirements for installing and using the equipment. Include explanations of time, skill, and resource requirements. Describe any manuals, videos, or other materials that will be provided; if possible provide samples.
Initial new merchant training Once the conversion is complete, your implementation project manager and wholesale implementation management team will properly train you and your staff on any new systems installed and any new or changed processes. Then, after a month of processing, your implementation project manager will review your account to ensure your transactions are processed according to plan and are qualifying at the appropriate Interchange levels. This person will then make any necessary adjustments.
Ongoing training With your account setup complete and your transactions processing correctly, the implementation project manager will transfer the relationship to your merchant services relationship manager. Your merchant services relationship manager will be in regular contact with you through conference calls and will be there to help you handle any payment processing service issues, pricing questions, product consultations, and industry inquiries as often as the City needs. He or she will also provide information on new technology, modifications and improvements, and significant industry changes. There is no cost for ongoing training.
Updates and dissemination of industry changes Wells Fargo Merchant Services works closely with government agencies and the Payment Networks in order to maintain compliance with all legal and regulatory requirements. Your merchant services relationship manager will make a best effort to communicate upcoming regulatory or compliance changes and work with you to obtain the most current training material; however, we do not assume responsibility for the compliance of the City beyond the initial boarding process.
Maintaining compliance and staying abreast of compliance changes is ultimately the responsibility of the City.
New product and system releases Should the City choose to implement any new services, your implementation project manager will work with you and your staff on training of new systems or software.
For any system releases or updates that impact processes, your merchant services relationship manager will work with you and your staff to understand process changes related to the release or update.
27. Escalation procedures a. Indicate what procedures are in place in the event that a problem with
the program needs to be brought to the attention of the Respondent’s management. This applies to both the implementation process and for situations that may occur once the program is fully operational.
Yes. In addition to your Wells Fargo treasury management and commercial banking teams, you will be assigned a merchant services relationship manager. This person will be your main contact for your merchant service customer service needs, including day-to-day communication and issue resolution.
Your assigned merchant services relationship manager will be in regular contact with you and is there to help you with all aspects of your card processing, including providing information on:
New technology Modifications and improvements Significant industry changes
Your merchant services relationship manager’s main responsibilities include:
Communicating and helping you understand PCI DSS requirements Handling research requests Monitoring for spikes in Interchange downgrades and chargebacks Activating new locations Reviewing pricing and initiating contract renewals Discussing benefits of upgrading equipment
If your assigned merchant services relationship manager is out of the office, a backup will be assigned to cover your account. The backup will be identified on your merchant services relationship manager’s voice mail and email. In addition, you can contact the relationship management team’s area manager for urgent issues or requests.
Additionally, if the need for escalation arises, your merchant services relationship manager will involve the appropriate and necessary parties in order to resolve your issues.
1. Check conversion (verifications and guarantee) a. Provide a service that converts paper checks into electronic items at the
point of purchase and accounts receivable environment (POP & MOTO) and initiate a direct ACH deposit of funds into the City’s bank account. Converted checks will either be verified or guaranteed depending on location within the City. Explain the services available.
Terminal
Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk.
Deposit funds electronically: Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days.
Wells Fargo Payment Gateway Yes. With our gateway service, you can accept electronic check payments.
When your customers submit their payment information, the service automatically checks for proper routing and transit numbers, as well as account number structures — all in real time. Our service takes the check information and prepares a NACHA file for further ACH processing. With our Wells Fargo ACH services, we route the files to the appropriate financial institutions for debiting of your customers’ bank accounts. This feature allows the City to receive their payments much faster than traditional paper check payments.
The gateway service supports four ACH payment types:
WEB: Single and recurring consumer debits initiated through the internet TEL: Single consumer debits initiated through telephone CCD: Commercial debit and credit entries PPD: Consumer credits and debits authorized by signature
Wells Fargo Merchant Services can offer the following related services:
The Wells Fargo Perfect NOC® service compares all transactions against previously received notifications of change (NOC) and automatically updates any outdated information.
b. Explain the check conversion process and any requirements for the City in handling or retaining voided or electronically processed checks.
Terminal The FD200 terminal automatically voids ECA approved checks. This terminal features a built‑in check reader and imager that processes checks through the TeleCheck Electronic Check Acceptance (ECA) service, which verifies the customer’s checking history and guarantees the face value of the check up to $25,000, provided the check meets all necessary warranty requirements for electronic acceptance. In addition to substantially lowering the merchant’s risk, customers’ personal information is protected too, because approved checks are returned to the check writer after scanning. Electronic Check Acceptance eliminates the need for time-consuming trips to the bank to deposit paper checks. Electronically processed checks are typically funded to the merchant’s DDA within two to three business days.
Wells Fargo Payment Gateway Using the Wells Fargo Payment Gateway service, you can accept electronic checks as a form of payment from your customers. When paying by electronic check, your customers will provide their bank account information to you for transmission to the Wells Fargo Payment Gateway service. The Wells Fargo Payment Gateway service will then create an Automated Clearing House (ACH) item based on your transaction information and submit it to the Wells Fargo ACH service for processing. Information about the electronic check items is presented in your Wells Fargo Payment Gateway reports alongside other payment types.
ACH origination You will need to become an ACH originator through Wells Fargo ACH in order to accept electronic check transactions. To qualify for ACH origination, you must be pre-approved and sign an ACH Service Agreement. By signing the ACH Service Agreement, you agree to comply with National Automated Clearing House Association (NACHA) guidelines. For details about NACHA rules, refer to the ACH Rules Corporate Edition, which you can find on the NACHA website at http://www.nacha.org. In addition to the Wells Fargo ACH agreement and NACHA rules, your ACH transactions may also be subject to other laws and regulations, such as Regulation E, Uniform Commercial Code, Regulation CC, and state laws. Consult with your legal counsel to confirm the laws and regulations with which you must comply.
Voids: Voids a captured transaction prior to the gateway settlement cutoff time of 11:00 a.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request. Authorization reversals for other card types except American Express are also available.
c. Must provide daily settlement of the City’s transactions in accordance with City’s approved procedures and time periods. Cash receipts in the settlement account must reconcile with the submitted batch report each day.
In the following table, we list the latest times that you can transmit sales transactions to meet the settlement times.
Platform Latest transmission time (Central)
CardNet 1:00 a.m.
PayPal PayFlow Pro on CardNet
8:00 p.m.
PayPal PayFlow Link Gateway on CardNet
8:00 p.m.
Nashville 1:00 a.m.
PayPal PayFlow Pro on Nashville
11:00 p.m.
PayPal PayFlow Link Gateway on Nashville
11:00 p.m.
Authorize.net Gateway on Nashville
5:00 p.m.
FDI Global 11:00 p.m.
The latest time for settlement of closed batches for dial-up solutions is 1:00 a.m. CT.
Wells Fargo Merchant Services will also transmit settlement files to:
Latest transmission time (Central)
American Express 10:00 a.m.
Discover Network 4:00 a.m. and 5:00 a.m.
Wells Fargo Payment Gateway service (international processing )
d. Describe the service’s reporting capabilities. Must have the capability of providing daily batch reports by cashier and location reference number.
Yes. We can meet all of the City’s reconciliation requirements. We offer daily batch reports and location reporting by MID. You can view reports online and group information by locations, by their relationship to each other, to banks, and to external business entities. The City can view information at the lead corporate, corporate, or location level based on your access level.
Hierarchy level Description
Lead Corporate level (corporate) (Non-mandatory)
Identifies if multiple chaining structures are part of a large corporation. Allows entitled users to view reporting from Lead Corporate level down to Location level.
Corporate level (chain) (Mandatory for multiple outlets of same company)
Identifies if the merchant structure is a single chain or part of a corporation. Allows entitled users to view reporting from Corporate level down to Location level.
Location level (outlet) (Mandatory for single-location merchants)
Identifies that the merchant structure is at the Location level only and is not part of a chain or corporation. Allows entitled users to view Location level reporting only.
e. Explain how returned checks will be handled when using check verification or the check guarantee services listed above.
Terminal
Eliminate returned checks The TeleCheck ECA warranty service takes the risk out of accepting checks. Under this service, when a check is approved through TeleCheck ECA at POS, you never pay the bank’s returned-item fee or receive a return for nonsufficient funds. You save time and maximize sales.
TeleCheck Electronic Check Acceptance (ECA) warranty service
Product overview TeleCheck Services, Inc. is the world’s largest check acceptance company, providing Electronic Check Acceptance (ECA), Warranty services and Small Ticket.
TeleCheck helps merchants eliminate the risk of bad checks by providing access to the industry’s largest and most accurately maintained databases and risk management systems. With TeleCheck, the City can accept checks and build business by offering a liberal check acceptance policy.
Electronic Check Acceptance (ECA) TeleCheck brings the power and convenience of electronic check to the point-of-sale with the ECA service.
This process allows the City to accept checks as quickly, safely, and easily as credit cards while improving the cash flow of your business. In fact, it is so quick that it only takes four steps and is often referred to as our R.S.V.P. product.
R. run it S. stamp it V. void it P. pass it back
Benefits to the City Increases productivity:
Helps eliminate the need to deposit checks at the bank Electronic settlement reduces time spent reconciling and preparing
deposits
Reduces check-processing fees:
Helps eliminate bank charges associated with accepting checks
Increases customer satisfaction:
Advanced terminal solution reduces transaction time Maintains accountability as a complete record of transaction appears on the
customer’s bank statement
Reduces risks:
The City does not pay check fees and never knows of returned checks Warranty maximum is $25,000 per electronic check
Simplifies operations:
Easy to use, easy to train employees
Wells Fargo Payment Gateway Refund: Partial and full refunds of previous captured transactions; stand-
alone refunds (no previous capture) are also supported. Voids: Voids a captured transaction prior to the gateway settlement cutoff
time of 11:00 a.m. CT. A void does not automatically reverse an authorization request. However, a separate Visa authorization may be requested in conjunction with a void request. Authorization reversals for other card types except American Express are also available.
Electronic checks With our gateway service, you can either accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts.
2. Check verification a. Provide a service that uses negative and activity data, in addition to other
tools to issue a response code back to the City allowing the City to determine whether or not to accept a check. Please describe the services available.
Terminal
Check acceptance for the electronic age FD 200 Terminals: Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk.
For information on the TeleCheck service, see Appendix B.
Wells Fargo Payment Gateway With our gateway service, either you can accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts.
The Wells Fargo Payment Gateway service allows you to automate fraud filters and keep manual reviews to a minimum without cannibalizing good orders. Some of the screening features include:
AVS (card association address verification) Verification by Visa and MasterCard® card SecureCode CVV2, CVC2, CID (verification of three or four digit verification number on
card)
3. Check guarantee a. Provide a service that uses negative and activity data, in addition to other
tools to issue a response code back to the City allowing the City to determine whether or not to accept a check. Checks approved through this service will be backed by the Respondent. Please describe the services available.
Terminal: FD200 with TeleCheck service
TeleCheck Electronic Check Acceptance (ECA) warranty service TeleCheck Services, Inc. is the world’s largest check acceptance company, providing Electronic Check Acceptance (ECA), Warranty services and Small Ticket.
TeleCheck helps merchants eliminate the risk of bad checks by providing access to the industry’s largest and most accurately maintained databases and risk management systems. With TeleCheck, the City can accept checks and build business by offering a liberal check acceptance policy.
Electronic Check Acceptance (ECA) TeleCheck brings the power and convenience of electronic check to the point-of-sale with the ECA service.
This process allows the City to accept checks as quickly, safely, and easily as credit cards while improving the cash flow of your business. In fact, it is so quick that it only takes four steps and is often referred to as our R.S.V.P. product.
R. run it S. stamp it V. void it P. pass it back
Benefits to the City Increases productivity:
Helps eliminate the need to deposit checks at the bank Electronic settlement reduces time spent reconciling and preparing
deposits
Reduces check-processing fees:
Helps eliminate bank charges associated with accepting checks
Increases customer satisfaction:
Advanced terminal solution reduces transaction time Maintains accountability as a complete record of transaction appears on the
customer’s bank statement
Reduces risks:
The City does not pay check fees and never knows of returned checks Warranty maximum is $25,000 per electronic check
Simplifies operations:
For information on the TeleCheck service, see Appendix B.
Wells Fargo Payment Gateway With our gateway service, either you can accept electronic checks through the virtual terminal function or your customers can enter their payment information into your e-Pay system. Once the information is collected, our gateway service validates the payment data. If the transaction is accepted, the gateway service automatically prepares check information into a NACHA file for further ACH processing. Then, with our Wells Fargo ACH services, files are routed to the appropriate financial institutions for debiting of your customers’ bank accounts.
Fraud controls Additionally, when you use our online gateway service you have a powerful fraud prevention tool at your disposal. The Decision Manager service within our gateway is an optional administration dashboard that provides you with an automated and streamlined fraud management operation. This service uses global validation services, the business-user rule management console, and case management. Decision Manager makes it easy to adopt and manage fraud at a completely new level.
The Wells Fargo Payment Gateway service allows you to automate fraud filters and keep manual reviews to a minimum without cannibalizing good orders. Some of the screening features include:
Access to over 150 global validation tests and services Device fingerprinting Velocity monitoring IP Geolocation Multi-merchant transaction histories/shared data Global telephone directories Global delivery address verification services Positive and negative list AVS (card association address verification) Verification by Visa and MasterCard card SecureCode CVV2, CVC2, CID (verification of three or four digit verification number on
card) Custom fields for your own data
We’d like to discuss this fraud tool with you in greater detail. There are many different ways that you can set this tool up to help you fight fraud
For more information on Decision Manager, see Appendix E.
b. The City of Denton is to receive 100% of its check collections. Returned checks will be the responsibility of the Respondent. Explain how returned checks will be handled.
Terminal With the addition of the TeleCheck service, the City can eliminate returned checks. The TeleCheck ECA warranty service takes the risk out of accepting checks. Under this service, when a check is approved through TeleCheck ECA at POS, you never pay the bank’s returned-item fee or receive a return for nonsufficient funds. You save time and maximize sales. The TeleCheck ECA warranty service improves customer satisfaction and saves you the hassle and expense of NSF fees and the collection process.
For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B.
Wells Fargo Payment Gateway Our gateway service supports the following transaction types 24 hours a day, 365 days a year:
Refund Partial and full refunds of previous captured transactions; stand-alone refunds (no previous capture) are also supported.
Voids Voids capture transaction prior to the gateway settlement cutoff time of 7:00 p.m. CT. A void does not automatically reverse an authorization request.However, a separate Visa authorization may be requested in conjunction witha void request.
Reporting and reconciliation Our Wells Fargo Payment Gateway service provides enhanced reporting tools that allows you to reconcile payments through all aspects of the payment cycle, including chargebacks and returns. You have the ability to view and search for all aspects of each transaction through a streamlined online interface, or you can integrate payment data into its own system using industry standard Web technologies.
c. Identify all subcontractors to be used for these services and whatprocedures will be used to monitory quality.
TerminalIn 1993, Wells Fargo and First Data Merchant Services joined to createWells Fargo Merchant Services, LLC. Wells Fargo Merchant Services offerscompletely integrated processing.
Wells Fargo Merchant Services is PCI DSS compliant as a merchant acquirer.A Qualified Security Assessor (QSA) has validated all subcontractors andthird-party card processing partners, as Payment Card Industry Data SecurityStandards (PCI DSS) compliant. You can confirm a specific provider’s PCIDSS validation on the Visa list available at www.visa.com/cisp.
Wells Fargo Payment GatewayYes. Wells Fargo partners with CyberSource, a Visa company, to offer ourgateway service. CyberSource is PCI-compliant and audited annually by athird-party assessor.
4. Technology requirementsa. It is critical that the system installed at the City of Denton be a fully
hosted system, incorporates current technology and fully integrates withour existing web processor and provides smooth and efficienttransaction processing. Describe the type of equipment and support to beprovided. Respondent must be able to fully integrate into the City’sexisting software via an Application Program Interface (API) set up byPaymentus (formerly, Teleworks), an outside technology firm contractedby the City.
Terminal
Check acceptance for the electronic age:The FD 200 terminals are very easy to use and all the software is maintainedand updated for you. The First Data 200Ti/First Data 200Ti Wi-Fi operatesusing an internet (IP) or dial-up connection, with optional Wi-Fi. Today’scustomers want the ability to use their preferred payment method, and this isthe tool for the job.
Business types supported Retail, Restaurant, Quick Service, Petroleum1, and Direct Marketing
(MOTO)2
Product benefits Easy installation — Get up and running quickly with the intuitive touch-
screen Display for ease of use Accept multiple payment
For more information on Telecheck Electronic Check Acceptance (ECA) and the EMV capable FD200 terminals, see Appendix B.
Wells Fargo Payment Gateway Our Wells Fargo Payment Gateway service can be integrated to work with any application that supports web services. Many third parties, such as shopping carts, cashiering, and Interactive Voice Response (IVR) applications already have interfaces compatible with the Wells Fargo Payment Gateway service’s core technical specifications.
Integration methods You can choose an integration method that works best for your business model. You can choose from fast and simple methods or more advanced options that give you greater flexibility and control.
Virtual terminal Use our service’s easiest payment solution to enter credit card orders, issue credits, and generate receipts. Your virtual terminal can be up and running in as little as 15 minutes. Your staff can use this tool for any transactions that need to be processed outside web or integration payments.
Secure Acceptance Web/Mobile Accept payments from any browser – web or mobile, while benefiting from language packs and other easily configurable options. With this hosted payment solution, card data will bypass your network and travel directly from end-user consumer to us, greatly simplifying the PCI compliance process.
Secure Acceptance Silent Order POST Host your own order page and post payment data to us to process each transaction. With this direct post solution, card data will still bypass your network and travel directly from end-user consumer to Wells Fargo Merchant Services. This, too, can greatly simplify the PCI compliance process. Silent Order POST also supports full customization.
Simple Order API With the Simple Order API, you will have scalability, full range of services, and more control for your developers.
We provide the client software and your IT staff codes to our API specifications. You’ll have access to all the gateway’s transaction services.
SOAP Toolkit API With the SOAP Toolkit API, you will still have scalability, full range of services, and more control for your developers. You’ll use or build your own client software that fits your business model and needs. With the open nature of this solution, you can integrate using this method. You’ll then have access to all the gateway’s transaction services.
Secure storage With our Wells Fargo Payment Gateway service with secure acceptance, we can remove sensitive card data from your systems and securely store it within our fully hosted gateway service. That way, none of the secure data touches your systems, reducing your scope for PCI compliance.
For a complete list of Wells Fargo Payment Gateway integration methods, see Appendix F.
b. Point of Purchase processing terminals for handling check conversion (verification and guarantee), and batching are to be connected to existing Microsoft Windows-based desktop computers through standard peripheral connections, such as COM or USB (preferred). The terminal peripherals would utilize software present on the computer, either an installed software client or a web-browser-based control interface, to communicate via the Internet with the Respondent’s host system for purposes of communicating transaction information at the point of purchase. Client software would provide for receipt printing of all transactions, with capability to re-print receipts if necessary. Software interface must be capable of handling check transactions and associate with the correct fee schedule.
Terminal
Check acceptance for the electronic age Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk. Deposit funds electronically. Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 11:00 p.m. CT. Best of all, your funds are guaranteed for approved checks.
First Data 200Ti/First Data 200Ti Wi-Fi terminal features 128 x 64 touch-screen technology Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU Wi-Fi capability (optional) 96MB RAM standard memory Five USB and two serial ports Dual built-in printers: Thermal printer for credit card receipts prints 15
lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs
FD200 terminals support contactless payment technology with the appropriate peripheral.
c. Transaction data would need to be captured and cataloged according to the following hierarchy: City of Denton >> Department >> Location >> Operator >> Batch ID. Reporting capabilities would need to be provided to allow the City to research and reconcile transactions passing through the Respondent. This reporting should be web-based, and accessible in real-time. Transaction data should be captured either locally on a City provided database and hardware platform or remotely at the Respondent’s location as long as reporting needs are effectively met.
Getting the information you need when you need it, is important to many businesses like yours. That’s why you can access your payments-related data quickly and easily with our online merchant reporting tool, BusinessTrack. From any internet-based PC, you can access and analyze transaction detail for all card types, conduct sales audits, manage processing fees, reconcile your checking account, investigate chargebacks, protect against losses, view historical information for analysis, and manage cash flow.
Reports available The ClientLine reporting tool features six types of Sales and Funding reports.
Report name Description
Transactions Transactional reports for reconciling to a POS or looking at overall transaction volume
Bank Deposits Funding reports for reconciling to your bank account
Adjustments Deductions made from your total sales (chargebacks, fees, Interchange charges, etc.
Refunds Refund data for monitoring of potential fraud
Debit Suspense* Authorized PIN debit transactions for which payment could not be received from the issuer *applicable only to merchants accepting PIN debit
Today’s Data* Total funding amount to be paid today *applicable only to merchants set up for same funding
.
The Report Wizard lets you custom build each report to your own specifications.
Please refer to the Appendix C for our merchant services standard reports, including detail and summary reports.
How it works Rather than waiting for a report, you conduct the analysis that suits you, exactly when you need it. The City can select from more than 100 available reports or create your own by choosing which fields to include, from a comprehensive database that includes the processing of gift cards, checks, and all credit, debit, and Electronic Benefits Transfer (EBT) card transactions. You decide what information you need to manage your business.
You can receive reports directly to a fax machine or an email box in various file formats (PDF, DOC, XLS, and CSV) and can schedule them to arrive daily, weekly, monthly, quarterly, or annually.
Features Standardized, web-based reports that give you access virtually any time to
payment processing information Dashboard view for a snapshot of essential processing information,
including the most recently posted, and for funded transactions and fees Detailed reports for drilling down into specific locations, transaction types,
adjustments, and more Summary information for up to 13 months Query builder to construct reports based on selected fields, across selected
merchant locations Reporting that can be emailed or faxed wherever you need Credit, debit, and gift card activity summaries for any selected time period Dispute reporting to help you manage chargeback and retrieval expenses
Help your organization Access payment processing information 24 hours a day, 365 days a year Reduce calls to customer service departments Drill down into funding events and reconcile total sales Create reports and schedule their distribution
You can visit www.BusinessTrack.com for an online tour.
d. Provide technology specifications for use of all proposed electronic systems and services.
Terminal
Check acceptance for the electronic age: The FD 200 terminals are very easy to use and all the software is maintained and updated for you. The First Data 200Ti/First Data 200Ti Wi-Fi operates using an internet (IP) or dial-up connection, with optional Wi-Fi. Today’s customers want the ability to use their preferred payment method, and this is the tool for the job.
First Data 200Ti/First Data 200Ti Wi-Fi terminal features 128 x 64 touch-screen technology Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU Wi-Fi capability (optional) 96MB RAM standard memory Five USB and two serial ports Dual built-in printers: Thermal printer for credit card receipts prints 15
lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs
FD200 terminals support contactless payment technology with the appropriate peripheral.
First Data FD35 PIN Pad features 128 x 64 touch-screen technology Accepts magnetic stripe cards, EMV1 chip cards, contactless cards and key
fobs, and mobile phone payments Payment Card Industry PIN Entry Device (PCI-PED) approved device2 Easy-to-use interface with visual display prompts, lights, and audio cues for
customers Does not require a separate power supply
Wells Fargo Payment Gateway API programing chart:
Linux Solaris Windows
NVP SOAP XML NVP SOAP XML NVP SOAP XML
ASP/COM ■ ■
C ■ ■ ■ ■
Java ■
■ ■
■ ■
■
.NET ■ ■ ■
PHP ■ ■ ■ ■
Perl ■ ■ ■ ■
For a complete list of Wells Fargo Payment Gateway integration methods, see Appendix F.
5. Point of purchase equipmenta. Please list any hardware/software requirements for this service and the
costs to replace existing hardware/software. Please list financing optionsor other replacement considerations Respondent may desire to proposeto the City.
TerminalWe recommend that the City use the new FD200 terminals that use internetbased software. All software updates are maintained for the City.
We recommend that the City use the FD 200 terminal which does both cardand check plus the FD 35 EMV pin pad to support smartcard/contactlesspayments
Your purchased equipment has a one-year full replacement agreement andafter that year, you can exchange equipment for $225.00.
You can swap your rental equipment at no cost if it malfunctions, and you canswap your leased equipment at no cost if it malfunctions during the time oflease. You will need a new lease if your existing equipment is no longeravailable.
Our replacement fee policy is detailed in the following paragraphs. The Citywill not be charged for shipping and handling on equipment replacementorders.
Monthly rentalYour rental replacements will be shipped at no cost during the period therental agreement is active. You may (depending on ship date) pay two rentalfees until the broken unit is returned.
LeaseWe can ship your lease replacements at no cost, provided you meet thefollowing criteria:
Your account is active and processing through Wells Fargo MerchantServices
The City entered into the lease with First Data Global leasing throughWells Fargo Merchant Services
Lease agreement is still active
You will not be charged a fee for obsolete equipment requiring an upgrade but will be responsible for any costs associated with the upgrade (such as increased monthly costs and upgrade fees).
Resale or installment purchase You will receive a replacement at no charge if you order the replacement within one year of the original purchased equipment deployment date.
After the one-year warranty, your replacement policy applies.
City-owned You will be charged the following replacement fees, provided no maintenance fee is currently on the account.
Terminal with an integrated printer: $225.00 FD 35PIN pad: $160.00
You will not pay more than one replacement fee on the same piece of equipment within 90 days*.
*Our equipment vendor will ship a total of three call tags for all replaced equipment. If thereplaced equipment is not received within 90 days of the equipment replacement, you will becharged for non-returned equipment.
For more information on the EMV capable FD200 terminals the FD 35 EMVpin pad to support smartcard/contactless payments see Appendix B.
b. Check Processor – Industry standard hardware utilizing horseshoebend-style check processor with COM or USB (preferred) connectivity tointerface with current Microsoft Windows-based desktop computer.Processor must perform MICR capture, two-sided check imaging, andelectronically franked “presented”.
Terminal
First Data 200Ti/First Data 200Ti Wi-Fi terminal features 128 x 64 touch-screen technology Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU Wi-Fi capability (optional) 96MB RAM standard memory Five USB and two serial ports Dual built-in printers — Thermal printer for credit card receipts prints 15
lines per second; inkjet defacement printer only prints VOID on the face ofthe check to help conserve ink and costs
FD200 terminals support contactless payment technology with theappropriate peripheral.
6. Escalation proceduresa. Indicate what procedures are in place in the event that a problem with
the program needs to be brought to the attention of the Respondent’smanagement. This applies to both the implementation process and forsituations that may occur once the program is fully operational.
If the need for escalation arises, your merchant services relationship managerwill involve the appropriate and necessary parties in order to resolve yourissues.
X Review Exhibit 2 – General Provisions and Terms and Conditions
X Review Exhibit 3 – Scope of Work/Technical Specifications
X Cover sheet
X Solicitation number
X Solicitation name
X Firm name
X Firm address
X Contact name
X Contact phone
X Contact fax
X Website address
X Contact email address
X Solicitation Checklist
X Equipment Schedule ( Section 14 of Main RFP)
X Submission of Sample Monthly Statement (Section 15 of Main RFP)
X Attachment A- Business Overview Questionnaire
X Document how firm meets minimum qualifications (Section 3)
X Detail to support evaluation criteria
X Attachment B – Exception Form
X Attachment D – Reference Form
X Attachment E – Conflict of Interest Questionnaire Form – with signature
X Attachment F - Acknowledgment
X Acknowledgment of Addenda
X Submission signed by authorized officer, in the order specified below
NA Hard Copy Submission: If submitting a hard copy, the City requires one (1) original and three (3) copies, with the pricing sheet submitted electronically in excel or emailed in excel to [email protected] with the Solicitation # and name in the subject line.
X Electronic Submission: If submitting an electronic proposal only, email to [email protected] with the Solicitation # and name in the subject line. The pricing sheet (Exhibit 1) must be in excel format.
9. Has your company filed or been named in any litigation involving your company and theOwner on a contract within the last five years under your current company name or anyother company name? If so provide details of the issues and resolution if available. Includelawsuits where Owner was involved.
This request is extremely broad in scope, and, at any given time, an organization the size of Wells Fargo may be subject to the aforementioned actions, some or all of which may be confidential in nature. At this time, and to the best knowledge of the Wells Fargo representatives preparing this response, Wells Fargo has not been subject to any of the aforementioned action within the past five years that would have a material adverse impact on our ability to provide the services requested in this RFP.
10. Have you ever defaulted on or failed to complete a contract under your current companyname or any other company name? If so, where and why? Give name and telephone numberof Owner.
Again, this request is extremely broad in scope, and, at any given time, an organization the size of Wells Fargo may be subject to the aforementioned actions, some or all of which may be confidential in nature. At this time, and to the best knowledge of the Wells Fargo representatives preparing this response, Wells Fargo has not been subject to any of the aforementioned action within the past five years that would have a material adverse impact on our ability to provide the services requested in this RFP.
11. Have you ever had a contract terminated by the Owner? If so, where and why? Give nameand telephone number (s) of Owner (s).
12. As mentioned before, this request is extremely broad in scope, and, at anygiven time, an organization the size of Wells Fargo may be subject to theaforementioned actions, some or all of which may be confidential in nature.At this time, and to the best knowledge of the Wells Fargo representativespreparing this response, Wells Fargo has not been subject to any of theaforementioned action within the past five years that would have a materialadverse impact on our ability to provide the services requested in this RFP.
13. Has your company implemented an Employee Health and Safety Program compliant with29 CFR 1910 "General Industry Standards" and/or 29 CFR 1926 "General ConstructionStandards" as they apply to your Company's customaty activities?
http://www.osha.gov/pls/oshaweb/owasrch.search form?p doc type=STAND ARDS&p toe level= 1&p keyvalue= 1926
Texas Government Code Section 2252.002: Non-resident bidders. Texas law prohibits cities and other governmental units from awarding contracts to a non-resident fum unless the amount of such a bid is lower than the lowest bid by a Texas resident by the amount the Texas resident would be !·equired to underbid in the non-resident bidders' state. In order to make this dete1mination, please provide the name, address and phone number of:
a. Responding foms principle place of business:Wells Fargo Merchant Services, LLC1200 Montego WayWalnut Creek, CA 94598
b. Company's majority owner principle place of business:Same as above
c. Ultimate Parent Company's principle place of business:
15. Provide details to support the evaluation criteria, including experience and delivery.
Relationship manager
Wells Fargo Merchant Services will assign the City a merchant services relationship manager who is responsible for providing proactive account management and superior ongoing support. Your merchant services relationship manager will be your main point of contact. In the unlikely event the City is unable to process transactions, your merchant services relationship manager will advise you of alternative processing procedures. You'll likely receive alternative procedures through email.
Relationship team
The following is a brief biography for your assigned sales team:
As your relationship manager, Aaron is responsible for coordinating the team of specialists working on your banking relationship. He has over 15 years of public finance experience as a commercial banker, investment banker, derivative marketer, and deputy director of debt management for two of the nation's largest issuers of municipal debt. Aaron has worked with numerous issuers across the country to implement and execute creative financing and treasury management solutions. While working for issuers of municipal debt, he oversaw the issuance of several billion dollars of long- and short- term debt for the Chicago Park District and the State of Illinois. Aaron holds a B.A. in political science from North Central College.
Chichi's primary responsibilities include working with the Wholesale Treasury Management group in implementing services for all non-cash account receivable merchant products.
Chichi brings more than 10 years of experience in the areas of sales, business development, marketing, training, and customer service operations.
1 4975 Preston Park Blvd.I :Suite 350. Plano/TX 75093 I ...... ·.. . - .
Kathy is responsible for providing customized treasury solutions for the City. She is dedicated to helping the City receive the most efficient and cost-effective treasury management solutions, in addition to keeping you abreast of new and enhanced treasury services and trends.
Kathy has more than 20 years of experience with treasury management and is a member of the Rocky Mountain Association for Financial Professionals. Kathy has the Certified Treasury Professional (CTP) designation. She received the Certified Cash Manager designation in 1996 that was later converted to the CTP designation.
Dixie works with your relationship manager to help enhance the customer service experience. She serves as the liaison between you and the various departments of the bank and acts as a backup when your relationship manager is not in the office.
Dixie brings more than 11 years of experience to her current position and more than 18 years of experience in banking. Dixie earned her Certified Treasury Professional Designation in 2006. She is a member of the National Association for Financial Professionals and a past president of the Nebraska Association for Financial Professionals.
Mary Beth supports your treasury management sales consultant and will assist you with any treasury management questions when Kathy is unavailable.
Mary Beth brings more than 20 years of banking experience to her current position. She assists you directly with any items pertaining to the implementation of new services.
16. Provide details on how firm meets the minimum qualifications stated in this Main
document Section 3.a. The details must be completed on this form, and shall not point to another document
in the respondent's proposal.b. Sign below and return form with final submission.
PART 1: MINIMUM QUALIFICATIONS FOR DEBIT/CREDIT CARD PROCESSING
The following minimum qualifications for debit/credit card processing must be demonstrated in order for the submission to be considered responsive to the City of Denton. Any submission received, which is determined to not meet these mandatory qualifications for
debit/credit card processing shall be immediately disqualified and rejected as nonresponsive.
• The Respondent must provide encryption, tokenization and Euro MasterCard Visa(EMV) capable equipment (contact and contactless) and software.
o For Point of Purchase (POP) locations, provide specifications on EMVequipment being proposed.
Yes we can provide EMV (contact and contactless) equipment as well as the accompanying specification. Out program includes tokenization and encryption.
• The Respondent must provide thermal printer or other comparable printing equipment.
Yes we can provide
• Respondent must serve as the gateway, acquirer and processor through a fullyintegrated solution by themselves or through a third patty. In addition, Respondentmust be able to fully integrate into the City's existing software via an Application
Program Interface (API) set up by Paymentus (fo1merly, Teleworks) the City's payment integrator.
We are able to provide fully integrated gateway, acquirer, and processor solutions. Regarding Paymentus we'll need to work with the vendor directly to discuss what middleware/gateway/software will need to be used.
• The Respondent must be PCI DSS compliant.
Yes
• The Respondent must provide the following payment avenues:
o Point of Purchase (POP)o Mail Order/Telephone Order (MOTO)o Virtual Terminalo Internet with and without convenience feeo Smart Phones and Tablets - we have systems that can display on a
smart phone or tablet
Yes we can support
• The Respondent must provide next day settlement via ACH into the City's bankaccount. Settlement must be in Central Standard Time (CST) and each MerchantIdentification Number (MID) must have auto-close at midnight CST.
o The total of the settled batch amounts shall be posted to the City'sbank account and not be reduced by the applicable discount fees (i.e.
gross settlement).
Yes we can support
• The Respondent must provide mechanisms and systems for the City to accept Visa,MasterCard and Discover Debit/Credit Cards (PIN and signature based).
Yes we can support
• The Respondent must provide real time authorization including notification of declineand reason for decline. The Respondent must provide a toll-free number for verbalcard authorizations, as needed.
o An authorization number must be generated after processing atransaction successfully.
o Proper monitoring and notification processes must be in place if anauthorization fails.
• The Respondent must provide batch settlement per MID.
Yes we can support
• The Respondent must provide anti-fraud verification services as listed below:
o Address Verification Service (street number, zip code).o Card Security Verification Service (Visa CVV2, MasterCard CVC2).o Any others as may be used in the future in the payment card industry.
Yes we can support these functions
• The Respondent must provide the notifications for chargebacks, refunds/credits, andadjustments.
o The City's Finance Depaitment must receive notification of anychargeback or adjustment.
o Chargebacks and adjustments cannot be combined and must postindividually to the City's bank account.
Yes we can support this functionality
• The Respondent must provide a separate Merchant Identification Number (MID) foreach location. The numbers must be grouped in hierarchy under a departmentstructure. The numbers must also have the City's reference number imbedded in eachMID which should be identified in the addenda information provided in the ACHfunding process. This number is used for bank reconciliation purposes.
Yes the City can have separate merchant numbers for each location grouped in ahierarchy by merchant number. The City will also be able to include cross referencenumbers that can be embedded in merchant number.
• The Respondent must provide the capability of systematically identifying andeliminating duplicate transactions.
When we identify a duplicate transaction, we reject it for review and send you a letter with the transaction detail. You don't have to take further action if the transaction is a true duplicate. If you believe the transaction is valid, the letter contains instructions to have the transaction resubmitted.
Yes. A system function exists to reject duplicate transactions that occur within a 30-day time frame. The following information is stored in a database for subsequent matching against future batches for 30 days.
• Merchant number
• Cardholder account number
• Transaction amount
• Transaction date
• Transaction type (credit or sale)
• Authorization code
• Visa®, MasterCard®, American Express, and Discover® IDs
• The Respondent must provide customer technical support for all services 24 hours perday, seven days a week, 365 days a year.
Yes we can provide
• The Respondent must provide a dedicated account representative to serve as theprimary contact with the City's Finance Department.
The City will have a dedicated merchant relationship manager contact
• The Respondent must provide pricing based on "Interchange Plus."
Yes we can provide
• The Respondent must provide at least three (3) references from governmental entitiesfor the products or services requested. The City prefers references from municipalitiesof similar or larger size.
Yes we can provide
• The Respondent must be registered in tl�e State of Texas, or the County of Denton, toprovide the products or services required in the solicitation, and the individual orbusiness must have all licensure required by the State to provide any services requiredunder this contact.
Yes
To learn how to obtain inf01mation about filing with the State of Texas, or obtainingcopies or certificates from the Secretary http://www.sos.state. tx. us/corp/copies.shtml; Phone [email protected].
PART 2: MINIMUM QUALIFICATIONS FOR OPTIONAL ELECTRONIC CHECK
PROCESSING
The following minimum qualifications for electronic check processing must be demonstrated in order for the submission to be considered responsive to the City of Denton. Any submission received, which is dete1mined to not meet these mandatory qualifications for electronic check processing shall be immediately disqualified and rejected as nonresponsive.
Our responses below are provided courtesy of our partner TeleCheck:
• The Respondent must provide electronic check conversion services with verificationand guarantee. This will apply to both Point of Purchase (POP) and MailOrder/Telephone Order (MOTO) environments.We're able to provide this through both verification and guarantee services for bothPOP and MO/TO through our partnership with TeleCheck.
• The Respondent must provide industry standard hardware utilizing horseshoe bendstyle check processor with COM or USB (preferred) connectivity to interface withcmTent Microsoft Windows-based desktop computer. Processor must perfonn MICRcapture, two-sided check imaging, and endorsement of the item in one pass and/orelectronically franked "presented."
We have several options of working with this type of solution for City of Dentonthrough our partnership with City of Denton
• The Respondent must provide daily batch settlement in Central Standard Time (CST).
Yes we can accommodate this
• The Respondent must be in compliance with NA CHA and Check 21 regulations.
Yes we are
• The Respondent must provide return check notifications and only two (2) checkpresentments.
Return check notifications will be provided inside funding reports. We'll work withthe City to define the appropriate check re-deposit strategy.
• The Respondent must provide real time authorization including notification of declineand reason for decline. The Respondent must provide a toll-free number for customerservice support for check declines.
• The Respondent must provide next day settlement via ACH into the City's bankaccount. Settlement must be in Central Standard Time (CST) and each MerchantIdentification Number (MID) must have auto-close at midnight CST.
We can support settlement at 11:59pm CT. Funding is generally in 48 hours althoughwe will explore the option of next business day funding for settlement times prior to4pm CT
• The Respondent must provide a separate Merchant Identification Number (MID) foreach location. The numbers must be grouped in hierarchy under a departmentstructure. The numbers must also have the City's reference number imbedded in eachMID which should be identified in the addenda information provided in the ACHfunding process. This number is used for bank reconciliation purposes.
We can accommodate the City's reference numbers in each merchant ID numberprovided they are no more than four digits
• The total of the settled batch amounts shall be posted to the City's bank account andnot be reduced by the applicable discount fees (i.e. gross settlement).
We can support this feature
I ce1iify that our firm meets the minimum qualifications as stated in this Main document, Section 3.
Internet: 020 089/077/317MCC Code Various - Refer to "Additional Notes" Section of Pricing TermsMCC Description Various - Refer to "Additional Notes" Section of Pricing TermsAmerican Express® Industry Type N/ACommunications Method line charges quoted separately Frame Relay / IPNGateway Other Gateway - Direct Bill to ClientPricing Option Interchange + Assessments + Access fees + Rate + Authorizations
Credit Card Processing Fees 1
Interchange Plus the Following Fees:
0.015% On Gross Visa®, MasterCard®, Discover® Network Card and American Express Sales$0.015 On each Authorization/EDC attempt (as defined below) 3
$0.00147 VI Access FeeOn each gross sales transaction$0.0018 MC Access FeeOn each gross sales transaction
PIN Debit & Electronic Benefits Transfer (EBT) Processing Fees$0.015 Per PIN Debit Transaction (applies to completed and declined transactions)
EBT NOT ENTITLEDApplicable PIN Debit Network, Switch, Service and Administrative fees are passed through on all PIN Debit transactions (completed and
declined). Applicable PIN Debit Network Interchange fees are passed through on completed PIN Debit transactions only.
Other Processing Fees Set-Up Fee -$ one time fee per locationMonthly Minimum Processing Fee 8 -$ per monthChargeback Fee 2 5.00$ per chargebackMonthly Service Fee (per location) -$ per monthStatement Billing Fee (Paper Statement) 6 -$ per monthVoice Authorization Fee 0.50$ per attemptAnnual Fee -$ per locationAuthorization/EDC Fee - Visa (Credit and Non-PIN Debit) 3 0.015$ per attemptAuthorization/EDC Fee - MasterCard® (Credit and Non-PIN Debit) 3 0.015$ per attemptAuthorization/EDC Fee - Discover Network Card (Credit) 3 0.015$ per attemptAuthorization/EDC Fee - American Express (Credit and Prepaid) 3 N/A per attempt
N/A on gross sales volumeElectronic Address Verification Service Fee 0.01$ per attemptVoice (Manual) Address Verification Fee 2.00$ per attemptAnnual Compliance Support Fee 4 -$ per locationPCI Compliance Service Program Fee 7 -$ per month, per locationNon-validation PCI Compliance Fee 7 25.00$ per month, per locationEquipment Installation Fee -$ one time feeForeign Handling Fee (on Visa/MasterCard foreign card transactions) 0.10% on foreign card sales
Fee schedules are updated periodically. To obtain the current applicable fee schedules, please refer to the URLs above for more information. If you donot have internet access, please contact your Merchant Card Representative and request that a copy of the applicable fee schedules be mailed or
faxed to you.
As noted in your Merchant Agreement, Payment Networks change their rates/fees from time to time. They are likely to revise rates/fees on 4/16/2016.To learn more about impacts to fee schedules resulting from Payment Network changes, please visit the URLs above or request an updated schedule.
Interchange Clearing Fee 11
Applies to Visa, Mastercard, Discover Network Card (Credit) and American Express (Credit and
Internet: 020 089/077/317MCC Code Various - Refer to "Additional Notes" Section of Pricing TermsMCC Description Various - Refer to "Additional Notes" Section of Pricing TermsAmerican Express® Industry Type N/ACommunications Method line charges quoted separately Frame Relay / IPNGateway Other Gateway - Direct Bill to ClientPricing Option Interchange + Assessments + Access fees + Rate + Authorizations
Other Processing Fees ContinuedTransArmor Token & Encrypt 13 0.01$ per attemptTransArmor Token Registration Fee 13 0.01$ per attemptLegacy Data Conversion Fee 13, 14 0.0065$ per conversion
0.015$ per attempt
-$ per attemptTerminal Reprogramming Fee (Terminal) - Applies to Customer Owned Terminals Only 75.00$ per unit
150.00$ per unitSecurity Swap Fee for PIN Debit - Applies to Customer Owned PIN Pads Only 125.00$ per unitCard Imprinter Option no imprinterRush Shipping Option N/A
1) Clients may elect to participate in the Discover Network Card program or the Discover EDC program, but not both. Under the “Discover NetworkCard program,” Clients receive all Discover-related authorization, processing and settlement services from WFMS. Under the “Discover EDC program,” Clients enter into a direct agreement with Discover, and WFMS provides only authorization and capture services related to Discover alsoNetwork Cards. Clients may elect to participate in the American Express program or the American Express EDC program, but not both. Under the “American Express program,” Clients receive all American Express-related authorization, processing and settlement services from WFMS. Under the “American Express EDC program,” Clients enter into a direct agreement with American Express, and WFMS provides only authorization and capture services related to American Express Cards. In all cases, any services provided by WFMS for Discover and American Express transactions are subject to the terms of Client’s Agreement with WFMS.2) Client acknowledges and understands that an authorization only indicates the availability of the Cardholder's credit at the time the authorizationis requested. It does not warrant that the person presenting the card is the rightful Cardholder, nor is it an unconditional promise or guaranteethat Client will not be subject to a chargeback or debit.3) Authorization/EDC Fee applies to all Visa, MasterCard, Discover Network Card and American Express approvals (pre-authorizations, authorizations and authorization reversals), denials, batch inquiries, batch entry transactions and includes any transaction fees and capture fees.This fee does not apply to Discover EDC and American Express EDC.4) The Annual Compliance Support Fee will be assessed and deducted from Client's Settlement Account at each anniversary date after the effective date.5) Non Bank Card Authorization Fee applies to all approvals (pre-authorizations, authorizations and authorization reversals), denials, batch inquiriesand batch entry transactions. 6) The monthly Statement Billing Fee can be waived if Client elects to access the monthly statement online instead of receiving a paper copy by mail. After Business Track access has been activated, please contact Customer Service at 1-800-451-5817 to request that paper statementsno longer be mailed. If Business Track access is terminated by Client or as a result of inactivity, paper statements will be reinstated with theapplicable monthly Statement Billing Fee. Enroll anytime at businesstrack.com. 7) The monthly PCI Compliance Service Program Fee and Non-validation PCI Compliance Fee are part of the mandatory PCI ComplianceService Program. These fees apply to Level 4 Clients who utilize a gateway or value added reseller (VAR). The program includes access toTrustKeeper, a Trustwave PCI Compliance solution to help Client comply with the Payment Card Industry Data Security Standards (PCI DSS)requirements. Clients are required to register and complete a PCI DSS certification process by visiting https://pci.trustwave.com/wellsfargo.If Client does not comply or fails the PCI DSS certification process, Client will be charged a monthly Non-validation PCI Compliance Fee until the account becomes compliant.8) If the total discount fee for Visa, MasterCard, Discover Network Card and American Express transactions in a given month is less thanthe Monthly Minimum Processing Fee, then in addition to the total discount fee Client will be charged an amount equal to the Monthly Minimum Processing Fee minus the total discount fee.9) Dues, assessments and pass-through fees are disclosed in the schedules referenced under the "Applicable Fee Schedules" section and the related footnote.10) American Express charges Program Pricing fees and not Interchange, and these fees are subject to change.11) The Interchange Clearing Fee (ICF) will be charged on transactions that may be considered higher risk and/or are processed at a higher expense level. These types of transactions can be identified on Client’s Payment Networks Qualification Matrix by looking at the “ICF applies” column. If the interchange program level has been identified by a “YES” in this column, then the ICF will apply to that type of transaction.
Non Bank Card Authorization 5
Applies only to American Express EDC and Discover EDCNon Bank Card Capture Fee Applies only to American Express EDC and Discover EDC
Terminal Reprogramming Fee - Integrated Terminal - Applies to Customer Owned Integrated Terminals Only
Applies to Visa, MasterCard and Discover Network Card (Credit and Non-PIN Debit), American Express (Credit and Prepaid), American Express EDC, Discover EDC, PIN Debit, EBT
Internet: 020 089/077/317MCC Code Various - Refer to "Additional Notes" Section of Pricing TermsMCC Description Various - Refer to "Additional Notes" Section of Pricing TermsAmerican Express® Industry Type N/ACommunications Method line charges quoted separately Frame Relay / IPNGateway Other Gateway - Direct Bill to ClientPricing Option Interchange + Assessments + Access fees + Rate + Authorizations
Internet: 020 089/077/317MCC Code Various - Refer to "Additional Notes" Section of Pricing TermsMCC Description Various - Refer to "Additional Notes" Section of Pricing TermsAmerican Express® Industry Type N/ACommunications Method line charges quoted separately Frame Relay / IPNGateway Other Gateway - Direct Bill to ClientPricing Option Interchange + Assessments + Access fees + Rate + Authorizations
13) TransArmor fees are for Token and Encryption, Token Only, Token Registration, or Legacy Data Conversion processing. TransArmor fees applyto Visa, MasterCard, Discover Network Card (Credit and Non-PIN Debit), American Express (Credit and Prepaid), American Express EDC, Discover EDC, PIN Debit and EBT. Client is responsible for any additional charges, in the event that Client requires additional TransArmor products or services that arenot stated on this proposal.14) A fee that applies to each unique conversion of: (1) a Primary Account Number to a Token or (2) a Token to a Primary Account Number.If Client has selected to accept TeleCheck Services, see Part III - Section 1 of the Program Guide for the terms and conditions. If applicable, the Additional Services page will contain the fees and rates billed to Client by TeleCheck.
If Client does not follow proper authorization procedures, a $50 chargeback handling fee will be assessed on MasterCard transactions.
American Express may charge Client an excessive disputes fee in the amount of $5 for each Disputed Charge if Client is in American Express' Immediate Chargeback Program or $15 for each Disputed Charge if Client is not in the Immediate Chargeback Program.
Client is responsible for any charges assessed by outside third parties that are not disclosed on the proposal. To the extent that this pricingproposal includes pricing for third party products and services, WFMS disclaims legal liability and responsibility for said products andservices. Client's agreement with the third party provider shall govern Client's relationship with the third party provider. In the event that WFMS is billed for the third party's services, Client will reimburse WFMS for such services.
Client acknowledges and understands that WFMS shall have no responsibility or liability for any third party hardware or software procured andused by Client. To the extent Client has any issues, concerns or liability related to such hardware or software, Client must deal directly withthe third party provider from whom Client procured the hardware or software. In no event will WFMS be responsible for any indirect, incidental or consequential damages that Client may incur as a result of using any third party hardware or software.
WFMS' proposal and associated pricing is based on the information provided. Any difference to our stated understanding may affect the proposed pricing. Without a signed agreement, this proposal expires 120 days from the proposal date stated above.
See Section 41.3 of the Program Guide for early termination fees.
Rounding. In the event the amount being billed to Client for any line item on this pricing proposal includes a total ending in less than a full cent, WFMS will either round such amount up or down to the nearest cent.
Fees for supplies, shipping, handling, and applicable sales tax may apply and are subject to change without notice. Additional information is available upon request.
Additional Notes:MCC Code MCC Description
9399 GOVERNMENT SERVICES, NOT ELSEWHERE7523 AUTOMOBILE PARKING LOTS4900 UTILITIES-ELECTRIC,GAS,WATER
Terms and Conditions of WFMS - Pricing Terms:1) WFMS pricing as provided in its response to this RFP is based upon the information provided by City of Denton (e.g., existing processing technology, number of merchant accounts, etc.) as of the date the pricing provided in WFMS RFP response was created. In responding to this RFP, WFMS only agrees to be bound to the pricing WFMS provided therein to the extent that the assumptions upon which it was based, was reasonably derived in relation to the information provided by City of Denton as of the date of the creation of that pricing, are accurate and unchanged. In the event that WFMS is the successful bidder, and City of Denton subsequently provides additional information to WFMS that would affect the pricing (including pass through fees paid by City of Denton), WFMS shall not be bound by the pricing provided in the RFP response and shall have the right to revise the pricing based upon the corrected information provided by City of Denton. Further, should WFMS be the successful bidder for this RFP, City of Denton shall be required to execute a Final Pricing Terms document.
Internet: 020 089/077/317MCC Code Various - Refer to "Additional Notes" Section of Pricing TermsMCC Description Various - Refer to "Additional Notes" Section of Pricing TermsAmerican Express® Industry Type N/ACommunications Method line charges quoted separately Frame Relay / IPNGateway Other Gateway - Direct Bill to ClientPricing Option Interchange + Assessments + Access fees + Rate + Authorizations
Additional Notes Continued:2) Pricing assumes no material change from the pricing parameters provided to WFMS. Pricing may require a re-evaluation if the pricing parameters change.
3) Should any terminal require a reprogramming for credit card, non-bankcards or debit cards, the reprogramming charge is $75 per terminal and $150 per terminal with an integrated PIN Pad. This price includes download and telephone training. Customer owned PIN Pads require encryption and are charged a security swap fee of $125 per PIN Pad.
4) This pricing proposal assumes that City of Denton will utilize First Data Merchant Services' North authorization network and First Data Merchant Services' North settlement/reporting platform.
5) Should City of Denton require development needs of unique functionalities outside of certification, City of Denton will be billed $85 per hour of programming needed.
6) On-site service, outside of training provided by the Relationship Manager, will be billed at a rate of $70 per hour. Travel related costs will be passed through to City of Denton.
7) Pricing does not include any fees associated with the Wells Fargo Payment Gateway.
Processing SolutionsType Quantity Financing Method Total w/o TAX
First Data 130 Duo Purchase $200.00 Per TerminalFirst Data 200Ti Purchase $425.00 Per TerminalFirst Data FD35 EMV Purchase $160.00 Per PIN PadWells Fargo Payment Gateway (WFPG) 1 Customer Owned N/A*Prices and equipment availability are subject to change without notice.
Guide to processing fees merchants may be able to pass to their customers
Convenience Fee Government and higher education transaction fees
Surcharge
High level definition
Flat fee charged on a non face-to-face transaction only when the payment method is a true convenience for the customer.
Visa, MasterCard, and American Express programs that allow convenience or service fees in government and higher education MCCs.
Visa refers to this as a service fee. MasterCard and American Express refer to it as a convenience fee.
A payment card surcharge is a fee that a merchant adds to the cost of a purchase when a customer uses a payment card.
A merchant is only able to surcharge if its payment processor supports surcharging.
Detailed description
Flat fee charged for a true convenience, for non face-to-face transactions in an alternative channel outside the merchant’s customary payments channel (i.e., not charged solely for the acceptance of the card payment).
The requirement for an alternative payment channel means that mail/phone order merchants and electronic commerce merchants whose payment channels are exclusively card-not-present may not impose a convenience fee.
Charging as a percentage of the transaction amount is not permitted.
Each of the Card Associations (Visa, MasterCard, Discover and American Express) has their own set of rules and regulations.
Visa service fee:The Visa Government and Higher Education Payment Program allows participating merchants to assess cardholder fees on approved transaction types. The program allows a variable service fee on Visa consumer debit (including Visa prepaid cards), Visa consumer credit, and Visa commercial products.
To participate, merchants must meet specific requirements, including:• Clearly disclose fees to the Visa cardholder
and meet cardholder fee requirements.• Accept Visa as a means of payment in all
channels where payments are accepted (i.e., face-to-face, mail, telephone and Internet environments).
• Feature the opportunity to pay with Visa at least as prominently as all other payment methods.
MasterCard convenience fee:• Can be charged as a flat fee or as percentage.• Can be variable or tiered.• Can be assessed in all payment channels
(such as face to face, online (Internet), mail, phone, kiosk) and for Recurring Payment transactions (such as installment payments and taxes.)
MasterCard cardholders cannot be assessed a convenience fee that would discriminate against the brand relative to other payment card acceptance brands, such as American Express, Discover, and Visa.
American Express convenience fee:Government/Utilities/Education• Fee charged cannot be higher for American
Express than for other payment cards.• Fee may be assessed on all utility and
government transactions.• Education merchants may only assess the
fee for mandatory expense (e.g. tuition, room and board).
• The fee must appear as a separate charge.
Discover does not have a program or specific policy for convenience or service fees for the Government and Higher Education segments. However, Discover’s general policy makes clear that merchants may not adopt any payment practices which disadvantage the use of Discover vis-à-vis other payment networks such as Visa, MasterCard, and American Express.
Percentage based surcharge for acceptance of credit, not debit.
A payment card surcharge is a fee that a merchant adds to the cost of a purchase when a customer uses a payment card.
Visa: A charge assessed by the merchant to the consumer for the payment service itself.
MasterCard: Any fee charged in connection with a transaction that is not charged if another payment method is used.
Surcharge rules have been set by the payment networks based on the interchange settlement with Visa and MasterCard. American Express and Discover have since agreed separately to allow surcharging.
Visa and MasterCard surcharging are only allowed on credit transactions, not debit. American Express and Discover allow surcharging on debit, but only if all other debit cards are surcharged.
See more details on surcharging rules from the interchange settlement below.
Example $5 fee to pay power bill on-line if the dominant payment method is by mail and merchant also accepts card present payments.
A university charges a 2% fee for paying tuition via credit or debit card.
A wholesaler charges a 2% surcharge for payments via credit card. Debit/ACH/Check have no fee.
Convenience Fee Government and higher education transaction fees Surcharge
Who sets the rules?
Payment networks. Visa, MasterCard, and American Express. Imposed by legal settlement.Limitations by state.
Merchantregistration
No registration, but merchant is required to follow payment network rules.
With Visa and MasterCard. Merchant must notify Wells Fargo Merchant Services, Visa, MasterCard, American Express, and Discover 30 days prior to surcharging.
Type of merchants
Any. Visa MCCsGovernment merchants:MCC 9311-TaxMCC 9222-FinesMCC 9211-Court CostsMCC 9399-Miscellaneous Government Services
Tuition payments for higher education:MCC 8220-College TuitionMCC 8244-BusinessMCC 8249-Trade Schools
MasterCard MCCsMCC 8211-Schools (Elementary and Secondary)MCC 8220-Colleges and Universities, Professional Schools and
Any card payment. VisaCredit or debit (regulated and non-regulated).Card present or card-not-present.
MasterCardThe convenience fee assessed for consumer debit cards and commercial debit cards can be different than the convenience fee assessed for MasterCard consumer credit cards and MasterCard commercial credit cards; provided that the convenience fee for MasterCard consumer credit cards and MasterCard commercial cards are the same.
Credit only.Card present or card not present.
Legal restrictions
Rules are set by payment networks. Some states ban surcharging. We recommend merchants consult their legal counsel on state-by-state surcharging laws.
Interchange settlement and surcharging rules As part of a Visa and MasterCard interchange settlement the two payment networks implemented certain rule changes which permit surcharges on certain credit card transactions in most states as of January 2013.
According to the Payment Networks, the merchant’s ability to surcharge only applies to credit card purchases, and only under certain conditions. U.S. merchants cannot surcharge debit or prepaid card purchases.
Well Fargo Merchant Services does not plan to support surcharging at this time. Please contact your Relationship Manager or customer service for details if your business would like to surcharge.
For any specific questions about the settlement or legal parameters on surcharging, we recommend that merchants consult with their legal counsel.
Note: Wells Fargo Merchant Services will continue to monitor developments around this settlement as it is not finalized at this time.
The information included in this document is provided solely as an overview as of the time of publication (February 2015). For full details and for the most
recent updates available, please refer directly to the payment network rules or the interchange settlement ruling.
Understanding convenience fees In your shopping experience as a business or consumer there may have been times when you purchased goods or services and the merchant charged you an additional fee for completing your payment transaction. And you may be wondering what the rules are that surround the ability to charge your customers this fee.
Convenience fees refer to amounts that are charged by merchants to customers to compensate the merchant for the cost associated with giving the customer the “convenience” of completing their purchase by card payment. These fees are permissible when certain conditions are met. Any other fee that a merchant attempts to assess against customers who complete their purchase by card payment is considered to be an impermissible surcharge. Because this area is complex and greatly varies among Visa®, MasterCard® and Discover® Network, we would like to share with you some important rules that apply before you start charging your customers a “convenience fee”.
An overarching principle when accepting Visa, MasterCard and Discover Network cards for payment is that each card brand prohibits their cards from being treated less favorably than other card brands. For instance, if you accept all three card brands, you are not allowed to ask you customers to use their Visa credit card over their MasterCard or Discover Network Card. It would also be against the card brands’ rules to offer your customers a “discount” for paying by MasterCard or Discover Network instead of Visa. Because of this principle, a merchant who accepts different card brands must always apply the most restrictive card brand rule to all their transactions.
The table that follows summarizes the rules related to convenience fees for each card brand. You will notice that Visa has the strictest convenience fee rules. Therefore, if your business accepts all card brands below and would like to charge convenience fees on its payment transactions, it should ensure that it complies with Visa’s regulations regarding convenience fees.
What is considered a permissible “Convenience Fee”?
The convenience fee must be a fixed and flat fee regardless of the purchase amount. (It cannot be a percentage). Example: a flat convenience fee of $1 is assessed whether the transaction amount is $10 or $100.
The convenience fee can be a flat fee or percentage, regardless of the purchase amount
The convenience fee can be a flat fee or percentage, regardless of the purchase amount
Can a convenience fee be charged to purchases in all payment channels?
No. A convenience fee can only apply to an alternate payment channel such as mail, phone or Internet, outside of the normal payment channel of the business.
Yes Yes
Can a convenience fee be charged on Card Present transactions (e.g. face to face transactions)?
No Yes Yes
Can a convenience fee be charged on Card Not Present transactions (such as mail/phone orders or Internet transactions)?
Yes As long as it is an alternate channel, which is outside of the normal payment channel of the business.
Yes Yes
To what forms of payment can a convenience fee be applied?
It must apply to all forms of payment accepted (Visa, MasterCard, Discover Network, ACH, check, etc…)
It must apply to all forms of payment accepted (Visa, MasterCard, Discover Network, ACH, check, etc…)
It must apply to all payment card brands accepted (Visa, MasterCard and Discover Network)
Must the convenience fee be disclosed to the customer before completion of the transaction?
Yes Not specified Not specified
Must the cardholder be given an opportunity to cancel before completing the transaction when a convenience fee applies?
Yes Not specified Not specified
Does the convenience fee need to be included in the total purchase amount? Yes Not specified Not specified
Who can assess a convenience fee? The merchant, not a third party Not specified Not specified
In which industry can convenience fees be assessed? Merchants in most industries Merchants in most
Let’s take an example: A local newspaper would like to allow its customers to pay for their subscription online instead of by mail to give them added convenience. Because online payments are not the merchant’s typical payment channel, this merchant can charge a flat convenience fee for all payments submitted online (Visa, MasterCard, Discover Network, eCheck, ACH, etc … )
A note on surcharges Visa and MasterCard strictly prohibit surcharges to be imposed on customers who choose to pay by card instead of cash or checks. Any type of charge that is assessed against a customer who pays by card is deemed to be an impermissible surcharge if it does not satisfy the requirements to qualify as a convenience fee. There are some exceptions to this rule however. Visa and MasterCard have developed specialized programs which allow government entities (MasterCard also allows education entities) to charge a percentage based convenience fee. This topic will be addressed in the next issue of Wells Fargo Merchant Connect so please stay tuned!
A note on discounts for cash payments Providing a discount for your customers’ payments made by cash is permissible as long as it is clearly disclosed as a discount from the marked price of the product.
If you need additional details or have any questions regarding convenience fees, please contact us at 1-800-451-5817, 24 hours a day, 7 days a week.
Check acceptance for the electronic age:Make approval decisions instantly. When you add the TeleCheck ECA warranty service to your existing POS terminal, it takes only seconds to scan the customer’s paper check and receive an immediate approve or decline decision. Armed with this information, you can improve customer service, increase sales, and reduce fraud risk.
Deposit funds electronically. Once you scan the check, the TeleCheck ECA warranty service automatically converts the payment to an ACH transaction. ACH deposits eliminate time-consuming trips to the bank and extend your window for same-day deposits to 9:00 p.m. Pacific Time. Best of all, your funds are guaranteed for approved checks and credited to your account within two business days.
Eliminate returned checks. The TeleCheck ECA warranty service takes the risk out of accepting checks. Under this service, when a check is approved through TeleCheck ECA at POS, you never pay the bank’s returned-item fee or receive a return for nonsufficient funds. You save time and maximize sales.
Expand payment options. When consumers prefer to pay with paper, the TeleCheck ECA warranty service lets you confidently accept personal checks. You can also offer the customer another option if his credit card is declined at the POS. The TeleCheck ECA warranty service improves customer satisfaction and saves you the hassle and expense of NSF fees and the collection process.
Rely on trusted results. Many of the nation’s largest retailers use TeleCheck, making its transaction database one of the most comprehensive in the industry. This broad network and the proprietary approval logic of the TeleCheck ECA warranty service delivers fast, accurate decisions to protect your business.
Comply with security regulations. The TeleCheck ECA warranty service is compatible with a variety of certified, PCI-compliant POS terminals, check readers, and software.
Merchant Services
TeleCheck Electronic Check Acceptance (ECA) warranty service
Treasury Management
Accept checks with confidence when you add the TeleCheck ECA warranty service to your point-of-sale operations
TeleCheck ECA warranty service from Wells Fargo applies smart business logic and one of the most comprehensive transaction databases in the industry to give you instant approve or decline decisions at the point of sale. No more fees for non-sufficient funds items, no more legwork to collect returned items. Simply add the TeleCheck ECA warranty service and receive guaranteed electronic deposit of approved funds within two business days.
For more information on the TeleCheck Electronic Check Acceptance warranty service, contact your Wells Fargo treasury management representative or visit wellsfargo.com/com.
Go Beyond: The TeleCheck Electronic Check Acceptance® ServiceCustomers want payment options, with many wishing to write checks for their purchases. However, paper checks can be a cost burden, because they must be verified for authenticity, reconciled and physically taken to the bank where fees are assessed for processing. In addition, the merchant’s business is exposed to the risk of fraud and returned checks.
First Data AdvantagesThe TeleCheck Electronic Check Acceptance® (ECA®) service, one of the industry’s most sophisticated check verification systems, converts checks into electronic transactions. It screens each check against information from hundreds of thousands of businesses and financial institutions, instantly providing you with a decision on whether or not you should accept it.
Because this service minimizes the risks associated with check acceptance, you gain the confidence to accept more checks – even low-numbered, out-of-town and out-of-state checks. At the same time, you reduce bank fees and processing costs while improving cash flow. And with TeleCheck ECA, you return the check to your customers, helping to protect their personal information.
Eliminating Bad-Check Losses
If you opt for the TeleCheck ECA warranty service, you will be enabling one of the industry’s most effective check-fraud protection measures. Once TeleCheck has authenticated the validity of a check, the responsibility is transferred from your business to ours. Any returned checks we have approved become our liability, relieving you of not only loss, but also the hassle of trying to collect.
24.5%That’s how many non-cash
payments were made by
check in 2010*
100%Completely protect your
business from the risk of
bad checks and the hassle
associated with collections
*The 2010 Federal Reserve Payments Study, April 2011
When a customer hands you a paper check, TeleCheck uses leading risk assessment technology to evaluate its validity, comparing it with negative and activity databases to identify check writers that have outstanding bad checks or a history of irresponsible checking account handling. If the check meets the verification requirements, the check is converted into an electronic transaction using your point-of-sale equipment. The transaction is processed through the Automated Clearing House (ACH) network, and funds are deposited directly into your bank account, generally in two business days.
For merchants who have opted for the TeleCheck warranty service, any checks we have approved that are returned become our liability, and we manage the entire collections process and absorb any losses.
Help Your Business
J Accept more checks with minimal risk
J Make fewer trips to the bank
J Reduce bank fees and processing costs
J Improve cash flow
J Streamline back-office operations
J Reduce the risk of lost, stolen or damaged checks
J Protect your customers’ personal information
J Minimize collections operations
J Limit your liability for fraudulent and returned checks (optional warranty service)
Features
J Point-of-sale check conversion
J Faster funding and simpler reconciliation
J Access to extensive check-writer negative and activity databases
J Liability protection for fraudulent and returned checks (optional warranty service)
J Professional collections operation
J Courteous and helpful check-writer support
TeleCheck Electronic Check Acceptance® (ECA®) Service
Payment Solutions for Maximum Performance
Around the world every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. We leverage our unparalleled product portfolio and expertise to deliver processing solutions that drive customer revenue and profitability. Whether the payment is by debit or credit, gift card, check or mobile phone, online or at the point of sale, First Data helps you maximize value for your business.
For more information, contact your Sales Representative or visit firstdata.com.
TeleCheck Internet Check Acceptance® (ICA®) SolutionReduce your costs by giving customers the option of
paying directly from their checking account – for
Internet purchases, to reload their store-branded
prepaid card or to make recurring payments.
Go Beyond: TeleCheck Internet Check Acceptance® (ICA®) SolutionFor many merchants, credit and debit card sales over the Internet are either the backbone of their business or an ever-growing percentage of their revenues. However, card-not-present (CNP) interchange rates are high and can take a bite out of your profits. The good news is that an often overlooked payment method can be implemented – one that can significantly reduce your costs.
First Data AdvantagesWith the TeleCheck Internet Check Acceptance® (ICA®) solution, you can give your customers the option of paying directly from their checking account – either for Internet purchases, to reload their store-branded prepaid card or to make recurring payments. Not only do you pay less per transaction, you also guard against abandoned sales by prospects that have no credit or debit cards, or prefer not to use them.
Eliminating Bad-Check Losses
First Data’s TeleCheck® database tracks the check-writing histories of 98 percent of US check writers. By tapping into this massive repository, you will know which payments to accept and which to decline. If you opt for our warranty service, you will be enabling the premier check-fraud protection feature for merchants, which transfers fraud responsibility from your business to TeleCheck. Returned checks become our liability, relieving you of not only loss, but also the hassle and countless hours of trying to collect on your own.
Easy to Implement
Connect through a variety of TeleCheck certified gateway partners, often using an already-established relationship. The partner can help you quickly connect with a streamlined implementation process and ongoing efficient operations. Large merchants may prefer to create a direct, host-to-host, connection to the acceptance service instead of going through a payment gateway. Either way, a merchant can often be operational and accepting payments within a few days.
54MThat’s how many consumers
have no debit/credit cards.
Offer them the ability to shop
online or pay bills using their
checking account. 1
100%Completely protect your
business from the risk of
fraud and bad checks with
our warranty service.
1 - Source - Federal Reserve Bank, “The Survey of Consumer Payment Choice.”, version April, 2011 and U.S. Census Bureau
1. A customer visits your website to make a purchase and selects the option to pay by checking account.
2. You transmit the details to TeleCheck either directly or through your eCommerce payment gateway.
3. Using advanced analytics, TeleCheck assesses the risk associated with the transaction and issues an approval or denial in real time.
4. You receive funding on the next banking day for any transactions approved by 4 p.m. CST.
In addition, if you have an existing gift card program, you can give your customers the ability to go online and reload a prepaid card. If you have customers making regular recurring payments to you, they can do so at your website. TeleCheck uses its proprietary bank account authentication process to verify the customer’s identity. The customer can reload their card or make an online payment at any time. For customers who have no credit or debit card, or wish not to use them, these ICA® options build loyalty and encourage repeat visits.
Features
J Warranty service that offers complete protection from loss due to bad checks (optional)
J Low-cost verification of account viability
J Seamless transition to collections service (optional with verification service)
J Best-in-class fraud prevention tools
J Next-day funding
J Lower processing rates as opposed to card-not-present transactions
Industries and Businesses Served
J eRetail: clothing, media, grocery, electronics, hardware, etc.
J Online travel and entertainment
J Online services
J Digital goods: eBooks, music, gaming, etc.
J Medical
J Direct marketers or billers
J Non-profit organizations
Market-Leading Payment Expertise from TeleCheck
J 369,000 subscribing locations
J 1.8 million transactions processed daily
J Information on 98% of US check writers
J Trusted with over $79 billion annually
J Continued investment in technology and innovation
TeleCheck Internet Check Acceptance® (ICA®) Solution
Payment Solutions for Maximum Performance
Around the world every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. We leverage our unparalleled product portfolio and expertise to deliver processing solutions that drive customer revenue and profitability. Whether the payment is by debit or credit, gift card, check or mobile phone, online or at the point of sale, First Data helps you maximize value for your business.
For more information, contact your Sales Representative or visit firstdata.com.
Go Beyond: TeleCheck Checks by PhoneSM SolutionMillions of merchant transactions are conducted over the phone annually, and merchants need a fast, cost-effective payment method to offer customers while they are still engaged on the phone. While credit and debit cards are popular forms of payment, card-not-present (CNP) interchange rates are high and can take a bite out of your profits. Further, your customer is more likely to abandon a purchase if their payment choices are limited to credit and debit only. The good news is that an often-overlooked payment method can be implemented – one that can reduce your payment processing costs and increase the number of completed sales.
First Data AdvantagesThe TeleCheck® Checks by PhoneSM service makes it possible to serve customers who prefer to pay for a purchase or pay bills over the phone. The solution instantly authorizes the payment while your customers are still on the line, minimizing potentially lost sales and revenue. Additionally, the service helps merchant call centers have another easy-to-use payment acceptance method.
Eliminating Bad-Check Losses
First Data’s TeleCheck® database tracks the check-writing histories of 98 percent of U.S. check writers. By tapping into this massive repository, you will know which payments to accept and which to decline, allowing you to eliminate the risk associated with accepting payments from checking accounts.
If you opt for our warranty service, you will be enabling the premier check-fraud protection feature for merchants, which transfers fraud responsibility and bounced checks from your business to TeleCheck. Returned checks become our liability, relieving you of not only loss, but also the hassle and countless hours of trying to collect on your own.
How It Works1. A customer contacts your call center or representative to make a purchase or a
payment for a product or service.
2. Your representative inputs the consumer’s personal and payment information into an online payment application or optional web-based user interface from TeleCheck.
3. Using advanced analytics, TeleCheck conducts transaction risk assessment and issues an approval or denial in real time.
4. You receive funding on the next banking day for any transactions approved by 4 p.m. CST.
54MThat’s how many consumers
have no debit/credit cards.
Offer them the ability to shop
online or pay bills using their
checking account. 1
100%Completely protect your
business from the risk of
bad checks and the hassle
associated with collections.
1 - Source - Federal Reserve Bank, “The Survey of Consumer Payment Choice.”, version April, 2011 and U.S. Census Bureau
Use our Virtual Point of Sale (VPOS) web-based user interface at no charge, or connect through a variety of TeleCheck certified gateway partners, often using an already-established relationship. The partner can help you quickly connect with a streamlined implementation process and ongoing efficient operations. Large merchants may prefer to create a direct, host-to-host connection to the acceptance service instead of going through a payment gateway. Either way, a merchant can often be operational and accepting payments within a few days.
Industries and Businesses Served J eRetail: apparel, media, electronics, hardware, etc.
J Merchant call centers or catalog sales
J Online travel and entertainment
J Online services
J Medical
J Direct marketers or billers
J Non-profit organizations
Features J Warranty service that offers complete protection from loss due to bad checks (optional)
J Low-cost verification of account viability
J Seamless transition to collections service (optional with verification service)
J Best-in-class fraud prevention tools
J Next-day funding
J Lower processing rates compared to card-not-present transactions
J Option to use TeleCheck Virtual Point of Sale, free web-based user interface
Market-Leading Payment Expertise from TeleCheck®
J 369,000 subscribing locations
J 1.8 million transactions processed daily
J Information on 98% of US check writers
J Trusted with over $79 billion annually
J Continued investment in technology and innovation
TeleCheck Checks by PhoneSM Solution
Payment Solutions for Maximum PerformanceAround the world every day, First Data makes payment transactions secure, fast and easy for merchants, financial institutions and their customers. We leverage our unparalleled product portfolio and expertise to deliver processing solutions that drive customer revenue and profitability. Whether the payment is by debit or credit, gift card, check or mobile phone, online or at the point of sale, First Data helps you maximize value for your business.
For more information, contact your Sales Representative or visit firstdata.com.
Offer your customers multiple payment options using just one device
Wells Fargo Merchant Services
With the First Data 200Ti/First Data 200Ti Wi-Fi , you can process credit, debit, and gift cards, plus secure check transactions with one space-saving payment terminal. This terminal features a built-in check reader and imager that processes checks through the TeleCheck Electronic Check Acceptance (ECA) service, which verifies the customer’s checking history and guarantees the face value of the check up to $25,000, provided the check meets all necessary warranty requirements for electronic acceptance. In addition to substantially lowering the merchant’s risk, customers’ personal information is protected too, because approved checks are returned to the check writer after scanning. Electronic Check Acceptance eliminates the need for time-consuming trips to the bank to deposit paper checks. Electronically processed checks are typically funded to the merchant’s DDA within 2 – 3 business days.
The First Data 200Ti/First Data 200Ti Wi-Fi operates using an internet (IP) or dial-up connection, with optional WiFi. Today’s customers want the ability to use their preferred payment method, and this is the tool for the job.
Business types supportedRetail, Restaurant, Quick Service, Petroleum1, and Direct Marketing (MOTO)2
Product benefits• Easy installation — Get up and running quickly with the intuitive touch-screen
• Touch screen capability — Process simply with intuitive touch screen interface and multiple-choice display prompts. White backlit display is easier to read in all lighting conditions.
• Integrated check reader — Convert paper checks into electronic items automatically at the point of sale for fast, accurate, and secure check processing.
• Solid security — Be alerted to suspicious activity with a suite of fraud services. Supports Address Verification Service (AVS), Card Verification Value (CVV2), and Card Verification Code (CVC2).
• Dual built-in printers — Thermal printer for credit card receipts prints 15 lines per second; inkjet defacement printer only prints VOID on the face of the check to help conserve ink and costs.
• Fast connection — Supports WiFi (requires WiFi model), Internet Protocol (IP), plus dial-up.
First Data 200Ti/First Data 200Ti Wi-Fi terminal features• 128 x 64 touch-screen technology
• 16-button keypad
• Integrated check reader/imager with separate 32-bit ARM9 400 MHZ CPU
• Wi-Fi capability (optional)
• 96MB RAM standard memory
• Five USB and two serial ports
Operation highlights• Drop-in paper loading for integrated thermal receipt printer
• Inkjet single-line defacement printer dedicated to voiding checks
• Supports contactless payment technology with the appropriate peripheral
Accept the latest innovative payment types with this advanced device
1 The EMV software that will enable FD35 EMV to read chip cards will be available on limited platforms. Check with your sales consultant for details.
2 This device is PCI PED certified. First Data products can be found on the PCI Security Council website “Approved PIN Transaction Security” under the manufacturer name XAC Automation.
This fast, flexible, and secure device accepts more than traditional credit cards, PIN-based debit, and non-PIN (signature) debit. It also enables your business to go beyond magnetic stripe cards to accept chip cards, contactless, and mobile payment transactions.
Product benefits· Advanced payment solution — processes virtually all
payment types· Offer more convenience to your customers — enables your
customers to complete the payment via a customer-facing device while the merchant finishes the sales process
· Improve security — takes advantage of the stronger authentication of EMV1 chip cards instead of reading the less secure magnetic stripe content when customers present compatible cards
· Prepare for the future — by responding to consumer demand for faster, safer, and better ways to pay for goods and services
Features· Accepts magnetic stripe cards, EMV1 chip cards, contactless
cards and key fobs, and mobile phone payments· Payment Card Industry PIN Entry Device (PCI-PED)
approved device2
· Easy-to-use interface with visual display prompts, lights, and audio cues for customers
· Does not require a separate power supply
First Data FD 35 PIN Pad
Payment types supported· Visa®· MasterCard®· Discover®· American Express®· JCB· PIN and non-PIN (signature) debit· EuroPay, MasterCard, Visa (EMV1)
chip cards· Gift cards· Electronic Benefits Transfer (EBT)
cards· Contactless transactions/key fobs· Mobile phone payments
123456789123 123456789123 DBA Name USD 04/01/13 123456789 MC 123456******9876 MEDIA EXPIRED Signature/fraud investigation 02/09/13 42.07123456789123 123456789123 DBA Name USD 04/01/13 123456789 VISA 123456******9876 MEDIA EXPIRED Fraud analysis request 12/31/12 947.90123456789123 123456789123 DBA Name USD 04/02/13 123456789 VISA 123456******9876 MEDIA FULFILLED Fraud analysis request 03/26/13 20.19123456789123 123456789123 DBA Name USD 04/02/13 123456789 VISA 123456******9876 MEDIA FULFILLED Fraud analysis request 03/07/13 1,208.26123456789123 123456789123 DBA Name USD 04/02/13 123456789 MC 123456******9876 CHARGEBACK FULFILLED Fraudulent transaction - no c 03/16/13 20.00123456789123 123456789123 DBA Name USD 04/02/13 123456789 VISA 123456******9876 MEDIA FULFILLED Fraud analysis request 03/14/13 661.50123456789123 123456789123 DBA Name USD 04/03/13 123456789 VISA 123456******9876 MEDIA EXPIRED T&e document request 02/13/13 108.18123456789123 123456789123 DBA Name USD 04/03/13 123456789 VISA 123456******9876 MEDIA FULFILLED Cardholder request copy with 12/05/12 199.76123456789123 123456789123 DBA Name USD 04/03/13 123456789 VISA 123456******9876 MEDIA FULFILLED Cardholder request copy with 02/19/13 439.20123456789123 123456789123 DBA Name USD 04/03/13 123456789 MC 123456******9876 MEDIA FULFILLED Signature/fraud investigation 02/14/13 85.53123456789123 123456789123 DBA Name USD 04/03/13 123456789 MC 123456******9876 MEDIA FULFILLED Signature/fraud investigation 03/14/13 327.95123456789123 123456789123 DBA Name USD 04/03/13 123456789 VISA 123456******9876 MEDIA FULFILLED Fraud analysis request 03/14/13 279.83123456789123 123456789123 DBA Name USD 04/03/13 123456789 VISA 123456******9876 MEDIA FULFILLED Cardholder request copy with 01/11/13 496.30123456789123 123456789123 DBA Name USD 04/03/13 123456789 VISA 123456******9876 MEDIA FULFILLED Cardholder request copy with 01/23/13 151.28123456789123 123456789123 DBA Name USD 04/03/13 123456789 MC 123456******9876 MEDIA FULFILLED Potential chargeback/complia 02/10/13 65.98
TransAmount
Retrieval Detail by Status DateFrom 04/01/2013 To 04/08/2013
Hierarchy ID: 90 - 123456789123 Run Date 04/11/2013
Secure, flexible payment processingIncrease sales and customer satisfaction. The more payment types you accept, the greater your opportunity for increased sales. Use the Wells Fargo Payment Gateway service to accept major credit cards, debit cards, eChecks, digital payment types, and purchasing-card Level III data — all through a single connection.
Global card capabilities support more than 130 currencies with options for U.S. dollar or local currency funding.1
Use subscription services to support installment and recurring payments. It’s easy for payers to use and it enhances the shopping experience for your repeat customers.
Solution integration. With the Wells Fargo Payment Gateway service, you can easily integrate online payment information into your ERP or system of record. This flexible capability means you can choose how to manage and access data, saving time, and reducing the risk of error.
Manage risk. Use screening and verification services such as AVS, Card Verification Number (CVV2 or CVC2, for example), worldwide delivery address verification, export compliance checks, Verified by Visa, and MasterCard SecureCode. Take risk management a step further with Decision Manager, which lets you define automated screening rules for order disposition (accept, reject, review), integrating over 150 detectors to detect fraud more quickly and accurately.
Security and system availability. PCI DSS compliance is important to your business. Reduce your risk and worries about managing sensitive payment data with the PCI-compliant Wells Fargo Payment Gateway service. Payment tokenization technology lets you move sensitive payment data off of your system and store that data at PCI-certified data centers.
With high system availability, you can rest assured that you are providing your customers with an optimal experience while maximizing sales opportunities.
Funding reconciliation and reporting. View and download reports (XML, PDF, and CSV formats) to manage your disputes (chargebacks), interchange, and exceptions. These reports contain the transaction order ID, enabling you to easily match information to the original transactions. View reports plus search and query transactions online.
The Card Payments Reconciliation report provides information on your funding position, disputes, and card processing fees. Import the file into your system to match items and identify exceptions easily.
continued
Wholesale Merchant Solutions
Wells Fargo Payment Gateway® service
Treasury Management
Helping merchants enhance sales opportunities, manage payment risk, and streamline payments processing for electronic commerce channels
The Wells Fargo Payment Gateway service puts a secure and flexible processing environment at your fingertips, providing a single source for multiple payment options, report and reconciliation services, and industry-leading tools to reduce transaction risk and manage fraud. Combine this with a Wells Fargo deposit account, and you’ll have access to next-business-day funding of your card payments in U.S. dollars.
1 Some restrictions may apply. Foreign currencies settle in U.S. dollars; multi-currencies remain in local currency.
For more information on the Wells Fargo Payment Gateway service, contact your Wells Fargo treasury management representative or visit wellsfargo.com/com.
How the Wells Fargo Payment Gateway service works:
Evaluate transactions in real time. The powerful Decision Manager engine works with any web-based payments gateway to evaluate credit and debit card payments immediately. It operates behind the scenes to optimize fraud management, with no disruption to your existing data flow or customer service.
Make sound fraud management decisions. Decision Manager generates a risk score for every transaction you process, based on more than 260 global validation tests and 60 billion transactions processed annually by Visa®. This current and actionable information helps you eliminate guesswork. With Decision Manager, you can make immediate accept or decline decisions based on the latest fraud threats and known issues, and even automate the decisioning process.
Reduce chargebacks and fraud losses. Fraud losses come in many forms, from chargebacks on stolen card numbers to products shipped to falsified addresses. With Decision Manager, you take a proactive approach that can help identify and decline many of these schemes without any staff intervention.
Stronger upfront controls, such as IP geolocation, multi-merchant transaction histories, and global delivery address and telephone number verification help protect your company and mitigate your risk.
Spend less time on manual reviews. Adding Decision Manager improves staff productivity and streamlines case management. Because the system can be used to automate fraud management, staff need only review orders that meet your criteria for manual oversight. You can use Decision Manager’s flexible case management interface, or export data to your existing system.
Adjust risk settings to meet your needs. You determine which transactions to accept, decline, and send for manual review, using screening profiles tailored to your products and customers. You can create and modify these business rules on demand, with no IT coding required, and test effectiveness before launching new settings.
Develop a comprehensive fraud protection strategy. Adding Decision Manager starts with an analysis of your previous transactions to identify the right fraud management settings for your organization. Your Wells Fargo team works with you across the process, from planning and implementation through training and result measurement.
continued
Wholesale Merchant Solutions
Decision Manager
Treasury Management
Help protect your e-commerce profits with fraud detection tools that make it fast and easy to make accept or decline decisions on your electronic payments.
Today’s sophisticated and ever-changing fraud techniques can pose a real threat to your revenue from online sales. Decision Manager arms e-commerce merchants with a real-time risk score on every online transaction you process. With this powerful information, you can automate fraud management, take steps to reduce your chargebacks and fraud losses, and sell with confidence.
For more information about Decision Manager or other Wholesale Merchant Solutions, contact your Wells Fargo treasury management representative or visit wellsfargo.com/com.
How Decision Manager works:
DecisionManager
Accepts
Declines
Your customer submits an order through your website.
Integration Methods Each Integration Method features a different way for payment information to enter CyberSource's system. We offer fast and simple methods and more advanced options that provide greater flexibility and control. Determine which Integration Method best matches your business' needs, learn how each method works, its advantages, and the technical skills required.
Secure Acceptance Web/Mobile Accept payments from any browser – web or mobile, while benefiting from language packs and other easily configurable options. Hosted payment solution, allowing card data to bypass merchant’s network and travel directly from end-user consumer to CyberSource, greatly simplifying the PCI compliance process.
Secure Acceptance Silent Order POST Host your own order page and post payment data to CyberSource to process each transaction. Direct post solution, allowing card data to bypass merchant’s network and travel directly from end-user consumer to CyberSource, greatly simplifying the PCI compliance process. Support full customization. http://apps.cybersource.com/library/documentation/dev_guides/Secure_Acceptance_SOP/html/wwhelp/wwhimpl/js/html/wwhelp.htm Virtual Terminal Use CyberSource's easiest payment solution to enter credit card orders, issue credits, and generate receipts. Your Virtual Terminal can be up & running in 15 minutes. This tool can be utilized by your staff for any transactions that need to be processed outside web or integration payments. http://www.cybersource.com/resources/quickstart/Enterprise/html/wwhelp/wwhimpl/js/html/wwhelp.htm Simple Order API Scalability, full range of services & more control for developers. CyberSource provides the client software. Implementing an API client with a CyberSource SDK requires programming skills in ASP/COM, C, Java/Cold Fusion, .NET, Perl or PHP. You should be comfortable installing libraries into your existing server environment. Access to all CyberSource transaction services. Wide support for many popular code/OS combinations.
CyberSource Transaction Web Service Schemas https://ics2ws.ic3.com/commerce/1.x/transactionProcessor/ SOAP Toolkit API Scalability, full range of services & more control for developers. You build your own client software to have scalability, full range of services and great control over buying experience. Access to all CyberSource transaction services. Any code or technology able to build a SOAP message or consume a web-service may be integrated due to the open-source nation of this solution.
Batch Upload Use Offline File Submission to send CyberSource your transactions in batches, instead of submitting each one individually. In one file, you can include transactions that use different services, currencies, countries, merchant IDs, and card types, thus eliminating the burden of handling these values separately.
Recurring Billing (Subscription ID/tokenization) Consolidate one-time and recurring payment processing on a single platform. CyberSource Recurring Billing supports subscription and installment payments, enabling billing via multiple payment options in numerous currencies. Sensitive payment information is stored in secure datacenters, reducing data storage risks. http://apps.cybersource.com/library/documentation/sbc/SB_Reporting_UG/html/wwhelp/wwhimpl/js/html/wwhelp.htm#href=cover.html Account Updater Service to be used to update Recurring Billing/Subscription IDs Account Updater notifies you of changes to stored customer credit card data. Such changes could affect expiration date, credit card number, or a brand. Account Updater obtains credit card information from both Visa® and MasterCard® and provides an encrypted response file that you can use to update your data store. http://apps.cybersource.com/library/documentation/dev_guides/Account_Updater_UG/html/wwhelp/wwhimpl/js/html/wwhelp.htm#href=ch1Intro.html Other Applications Visa Checkout http://www.cybersource.com/developers/integration_methods/visa_checkout/ PayPal Express Checkout Services http://apps.cybersource.com/library/documentation/dev_guides/PayPal_Express_SO/html/wwhelp/wwhimpl/js/html/wwhelp.htm
Apple PayTM http://apps.cybersource.com/library/documentation/dev_guides/apple_payments/getting_started/html/wwhelp/wwhimpl/js/html/wwhelp.htm
Reporting API In addition to the pre-defined reports in the previous chapter, the Business Center offers on-demand reports. On-demand means that these reports are not automatically generated every day (or week or month), but that you can request them at any time. You can obtain on-demand reports by downloading in the Business Center, using a Client Application or Query API. http://apps.cybersource.com/library/documentation/sbc/SB_Reporting_UG/html/wwhelp/wwhimpl/js/html/wwhelp.htm#href=cover.html
What impact will the latest advances in mobile payments have on your business, why does it matter, and how can you prepare?
1. eMarketer, “US Mobile Payments 2014: Updated Forecast and Key Trends Driving Growth.”2 Wall Street Journal, “Apple Keeps U.S. Smartphone Market-Share Lead, But Samsung Gains Ground,” June 3, 2014.3. Apple press release, September 22, 2014.4. eMarketer, July 11, 2013.
The mobile payments landscape is taking shape rapidly, and this change o�ers opportunities for merchants to rethink how they do business with their customers. We believe you should be informed about these opportunities, consider the implications, and develop plans to meet your customers’ needs.
To appreciate the speed and scope of this change, consider that the first fully functional smartphone launched just seven years ago. The original Apple iPhone, which went on sale in 2007, began a new generation of computing, and put the power of the internet and a high-powered computer in pockets everywhere.
Mobile payments are a natural extension of the utility of today’s smartphones. The idea of paying with a phone is not new, but we believe we are at the inflection point where growth is likely to ignite; in fact, total mobile payments in the United States are predicted to reach $118 billion by 2018, up from $3.5 billion so far in 2014.1
There are several catalysts coming together to ignite the adoption of mobile payments. First, a common standard is emerging in the form of contactless payments using near-field communication (NFC). NFC has been competing with other technologies, but the announcement that Apple — with roughly a 40% share of the U.S. smartphone market2 — will deploy NFC into its new devices (the iPhone 6, iPhone 6 Plus, and Apple Watch) may e�ectively define a standard. Apple sold more than 10 million iPhones in less than one week of its launch,3 and sales continue to grow. Those consumers will be equipped to make payments using their iPhones. Second, merchants will be increasingly prepared to accept contactless NFC payments because they are replacing older terminals with new EMV-capable equipment (see “Movement to chip cards” sidebar on page 4). Third, we believe users will prefer the speed of contactless payments, as it will require less time than inserting a chip card.
OnlineOften called “e-commerce payments,” these are mobile payments made when the customer is not physically present in the merchant’s location but buying goods and services online using a mobile device.
In personThese are point-of-sale (POS) payments — such as at a cash register, kiosk, or vending machine — done with a mobile phone, made when the customer is physically present in the merchant’s location. Also called “proximity” payments, in-person mobile payments are expanding rapidly and are expected to reach an estimated $58 billion by 2017.4
What are mobile payments?Mobile payments are simply any payment performed from or via a mobile device, whether in person or online.
Alternative technologiesWhile NFC appears positioned for mass adoption, other methods of connecting users to merchant systems will continue to coexist in the payments ecosystem. Barcodes, as an example, are a mature technology that will continue to be used, particularly in environments where they are already prolific, like with big box retailers. Bluetooth low energy (BLE) is another promising technology, but it has not yet found traction.
Additionally, technologies will continue to evolve and new ones will emerge as mobile payments become more prevalent.
5. Business Insider, John Heggestuen, “An Inside Look At The Starbucks App, The Most Successful Mobile Payments System In The US,” September 23, 2014.6. Internet Retailing, Chloe Rigby, “More than 6m new customers bought from eBay by mobile in the second quarter alone,” July 13, 2014.
The rise of mobile paymentsOver the last decade, mobile phones have become powerful computing tools. Smartphone users interact with their devices hundreds of times each day to communicate, interact with apps, search for information, track their health, and make decisions.
Using their smartphones to shop online is a natural extension and, indeed, shoppers’ mobile payments transactions continue to climb — a boon for brick-and-mortar retailers such as Starbucks using in-person payments as well as web stores such as eBay using online payments.
The technologies driving in-store mobile paymentsNew technologies, especially near-field communication (NFC), tokenization, and host card emulation (HCE), are helping mobile payments become more mainstream.
Near-field communication (NFC)
NFC is a set of standards that allows devices with an NFC chip to communicate with each other over very short distances (inches vs. feet). Payment transactions using NFC technology require a contactless merchant terminal and an NFC-enabled mobile device. NFC transactions (like those made with Apple Pay) use a secure element, which is a protected zone inside the phone’s microchip where payment information is stored.
Tokenization Tokenization is an important step in helping to secure mobile payments. Rather than exposing your actual account number, the technology uses a substitute number. This approach e�ectively reduces the ability for a fraudster to reuse a stolen credential. At the same time, it allows a cardholder to cancel a token without canceling the account. What’s more, if the cardholder’s mobile device is lost or stolen, there is no need to replace the plastic card with a new number because only the tokenized number is compromised.
Host card emulation (HCE)
HCE stores payment credentials in the cloud, which overcomes the memory constraints of the secure element approach. It also opens the technology platform to banks, alternative payment providers, Android developers, and other third parties.
We advise every merchant to have a strategy and execution plan
for mobile payments.
In-person/POS payments
At least 40% of all eBay transactions globally are touched by mobile, and more than 6 million new customers bought from eBay by mobile in the second quarter of 2014 alone (mobile eBay sales represented $20 billion globally in 2013).6
Online payments
At 6 million average weekly transactions in the U.S., the Starbucks mobile payments app accounts for 15% of transactions made at U.S. company-operated stores.5
What it means for your business The ability to accept di�erent types of mobile payments in-store, especially with mobile wallets like Apple Pay, will allow consumers to have a more convenient purchasing experience, and businesses can potentially increase their revenue. Many consumers are likely to make smartphone-enabled payments their payment method of choice instead of plastic or cash. To fully participate in the payments evolution, you will need to make some important business decisions.
Deploy the right equipmentAcceptance of contactless mobile wallet technology requires POS compatibility, which means investing in new equipment, systems, and software. Merchants will also need equipment enabled to accept EMV chip cards to avoid increased liability in October 2015.
Configure checkout for ease of useAnother important consideration is placement of your equipment. Countertop placement should be readily accessible and comfortable for consumers to reach, so they can insert their EMV card or make a payment with their mobile wallet. Merchants will also have the flexibility to use wireless devices for “line busting” and other uses not tied to the checkout lane.
New opportunity for marketing and loyaltyCompelling benefits for your business extend far beyond in-store sales to:
• Support loyalty programs, targeted o�ers, promotions, and discounts.
• Reduce fraud and compliance expense.
• Maintain transaction speeds at POS terminals and streamline checkout.
• Gather customer insight that enables you to o�er products and promotions better aligned to a consumer’s needs and preferences.
• Give consumers what they say they want — increased security, speed, and ease-of-use.
Chip card transactionsMovement to chip cards A liability shift concerning EMV chip cards is coming in October 2015, and it will a�ect businesses in the U.S. that take in-store payments. The movement to chip cards will help eliminate vulnerabilities tied to the older magnetic-stripe technology. EMV has proven to be highly e�ective in thwarting the ways hackers steal credit card data or clone cards, but U.S. businesses have not yet widely embraced it or upgraded their collection systems.
After this deadline, a merchant who is unable to accept an EMV card when it is presented will retain the liability for fraud.
EMV stands for Europay, MasterCard®, and Visa®, the companies responsible for backing its initial development in the 1980s, and it is becoming the global standard. Countries that have fully integrated the EMV standards in both the issuing and acquiring sides reduced card-present transaction fraud by 84%.7
Please note: Online (e-commerce) and manually entered card-present transactions require other safeguards, and Wells Fargo has solutions that can help merchants mitigate risk.
How can we help?Wells Fargo is focused on helping our customers get ready for the next wave of payment types, as well as educating merchants about the benefits of NFC and EMV and their readiness options. Our experienced team is an invaluable resource to you.
Our eReceivables team can perform a business process review (BPR) of payment receipt channels and o�er cost-e�ective tailored solutions to strengthen fraud management and provide a comfortable experience for your customers. With technology changing quickly and changing the way you do business, it helps to engage long-time payments experts for guidance and support.
The team can also provide information and resources to help businesses manage their compliance with the Payment Card Industry–Data Security Standards (PCI–DSS).
To learn how you can prepare for today’s mobile payment opportunities, contact your Treasury Management Sales Consultant.
Thank you for using Wells Fargo Merchant Services.
What you can expect after you commit your business to Wells Fargo:•Your relationship team will gather information from you in order
to comply with legal, regulatory, and other internal requirements. During this time they will keep you posted on the progress.
•Your sales team will contact you to begin gathering information to complete your implementation.
•Your sales team will supply and work with you to complete the necessary documentation for your implementation.
What you can expect during the implementation process:•Your sales officer will introduce you to your merchant
implementation manager.•Your assigned implementation manager will guide you through
the implementation process by:– Providing an overview of the implementation experience– Gathering additional details– Reviewing the statement of work– Providing document resources and support for your internal
technical setup– Coordinating training
•As your implementation progresses you will submit test transactions to ensure a successful setup.
•You and your implementation manager will coordinate a go-live date. •After your account is processing transactions, your implementation
manager will monitor your account for the first 30 days. •Upon receipt of your first monthly merchant account statement,
your implementation manager will conduct a statement review and introduce you to your ongoing support team.
What you need to do during the implementation:•Provide additional information that may be needed to complete
the implementation as requested.•Ensure your technical and financial resources are available and
prepared to participate as needed.•Be prepared to discuss your reporting and reconciliation
requirements. •Partner with your implementation manager to coordinate your
setup, training, test transactions, and go-live date.
Your merchant services implementation processTreasury Management
Finalize and facilitate legal contracts for merchant services and pricing
Complete any credit or regulatory requirements
Gather merchant implementation details
Coordinate efforts of all parties
Gather additional service details
Complete setup of services
Provide reference materials
Coordinate training
Provide a detailed review of the merchant card reporting
Provide a merchant statement review 30 days post go-live
Provide ongoing servicing and coordinate additional training as needed
Implementation time table
Service Definition Time to implement*
Terminal 1-20
Terminal 21+
A Point Of Sale (POS) terminal refers to the hardware and software used for checkouts, serving as a tool to manage the selling process by a salesperson accessible interface. They are used in “face-to-face” transactions where both the customer and the card are present at the POS.
2 – 4 weeks
4 – 8 weeks
Value Added Reseller (VAR)
VAR is a 3rd party, non-Wells Fargo entity which offers a merchant payment technical solution. Authorization and settlement processing of these transactions is provided by Wells Fargo.
4 weeks
Direct Connect Direct Connect allows you to connect to the processor for authorization and settlement via one of the two options:
1. MPLS Circuit – Dedicated connection from your location into the processor. Requires a Cisco router owned by the processor.
2. VPN – Dedicated connection from your location using the internet. Requires a Cisco router owned by the processor.
The Virtual Terminal is similar to an internet-based version of the credit card terminals used at retail stores. You can use the Virtual Terminal to process orders by keying in the payment and customer information pertinent to the order or by swiping a card with a reader.
2 – 4 weeks
WFPG – Secure Acceptance
Secure Acceptance is an internet-based hosted checkout experience. It consists of securely managed payment forms for processing transactions. You, the merchant, submit payments to Secure Acceptance, which is specifically designed to accept electronic payments.
4 – 8 Weeks
WFPG – Application Program Interface (API) Integration
API is an internet-based communication protocol that facilitates the transfer of information between separate software applications. This allows you to create your own customized order page and customer receipt to give you more control over your customer’s buying experience while connecting with WFPG to securely process your transactions.
8 – 12 Weeks
WFPG – Decision Manager
Decision Manager provides you with a real time risk score on every online transaction processed. This allows you to automate fraud management and takes steps to reduce your chargebacks and fraud losses. Decision Manager leverages over 60 billion transactions that Visa and CyberSource process annually, resulting in powerful insights and analytics to manage your risk and prevent fraud.
2 – 4 weeks
* Actual timeframe of coding to specifications may vary by individual merchant or vendor.
Wells Fargo Merchant Services RFP response conditions By responding to the RFP, Wells Fargo Merchant Services is not indicating our acceptance of any of the terms or conditions contained in the RFP, including, but not limited to, any signature page statements, certifications, confirmations and the like required as part of an RFP response, and we expressly reject any terms or conditions in the RFP that purport to be binding on Wells Fargo Merchant Services by virtue of our proposal, including, but not limited to, any signature page statements, certifications, confirmations and the like required as part of an RFP response. Instead, our proposal is intended to be a description of the services we are able to provide in response to the requirements described in the RFP including a firm commitment regarding the fees we would expect to receive for those services. If our proposal is accepted in principle, we are willing to negotiate mutually acceptable terms and conditions that shall govern our payment services relationship with the City.
To this end, we are providing a link to a copy of our Program Guide (http://www.wellsfargo.com/downloads/pdf/biz/merchant/program-guide-gov.pdf), which we expect to become the final contract between Wells Fargo Merchant Services and the City with respect to our payment services, and we will consider in good faith any changes to the Program Guide that you may request. In addition, the City should be aware that the processing of credit and debit card transactions is subject to the terms, conditions, policies, and procedures of the Visa® and MasterCard® Payment Networks and the non-bankcard issuers. A summary of many of the key elements of those Payment Network requirements is provided in the Operating Procedures section of the Program Guide. The terms, conditions, policies, and procedures of the Visa and MasterCard Payment Networks and the non-bankcard issuers are independently established and beyond the control of Wells Fargo Merchant Services to negotiate. Payment Network mandated fees and assessments are governed by the Payment Networks and are subject to change during the term of the contract and in accordance with the terms of the Program Guide.
Wells Fargo’s pricing as provided in its response to this RFP is based upon the information provided by the City (e.g., existing processing technology, number of merchant accounts, etc.) as of the date the pricing provided in Wells Fargo’s RFP response was created. In responding to this RFP, Wells Fargo only agrees to be bound to the pricing it provided therein to the extent that the assumptions upon which it was based, was reasonably derived in relation to the information provided by the City as of the date of the creation of that pricing, are accurate and unchanged. In the event that Wells Fargo is the successful bidder, and the City subsequently provides additional information to Wells Fargo that would affect it’s the pricing (including pass through fees paid by the City), Wells Fargo shall not be bound by the pricing provided in the RFP response and shall have the right to revise the pricing based upon the corrected information provided by the City. Further, should Wells Fargo be the successful bidder for this RFP, the City shall be required to execute a Final Pricing Terms document.
Information contained in this response is valid for 60 days from the date of submittal.
ELECTRONIC RECORD AND SIGNATURE DISCLOSURE From time to time, City of Denton (we, us or Company) may be required by law to provide toyou certain written notices or disclosures. Described below are the terms and conditions forproviding to you such notices and disclosures electronically through your DocuSign, Inc.(DocuSign) Express user account. Please read the information below carefully and thoroughly,and if you can access this information electronically to your satisfaction and agree to these termsand conditions, please confirm your agreement by clicking the 'I agree' button at the bottom ofthis document. Getting paper copies At any time, you may request from us a paper copy of any record provided or made availableelectronically to you by us. For such copies, as long as you are an authorized user of theDocuSign system you will have the ability to download and print any documents we send to youthrough your DocuSign user account for a limited period of time (usually 30 days) after suchdocuments are first sent to you. After such time, if you wish for us to send you paper copies ofany such documents from our office to you, you will be charged a $0.00 per-page fee. You mayrequest delivery of such paper copies from us by following the procedure described below. Withdrawing your consent
If you decide to receive notices and disclosures from us electronically, you may at any timechange your mind and tell us that thereafter you want to receive required notices and disclosuresonly in paper format. How you must inform us of your decision to receive future notices anddisclosure in paper format and withdraw your consent to receive notices and disclosureselectronically is described below. Consequences of changing your mind If you elect to receive required notices and disclosures only in paper format, it will slow thespeed at which we can complete certain steps in transactions with you and delivering services toyou because we will need first to send the required notices or disclosures to you in paper format,and then wait until we receive back from you your acknowledgment of your receipt of suchpaper notices or disclosures. To indicate to us that you are changing your mind, you mustwithdraw your consent using the DocuSign 'Withdraw Consent' form on the signing page of yourDocuSign account. This will indicate to us that you have withdrawn your consent to receiverequired notices and disclosures electronically from us and you will no longer be able to use yourDocuSign Express user account to receive required notices and consents electronically from usor to sign electronically documents from us. All notices and disclosures will be sent to you electronically Unless you tell us otherwise in accordance with the procedures described herein, we will provideelectronically to you through your DocuSign user account all required notices, disclosures,authorizations, acknowledgements, and other documents that are required to be provided ormade available to you during the course of our relationship with you. To reduce the chance ofyou inadvertently not receiving any notice or disclosure, we prefer to provide all of the requirednotices and disclosures to you by the same method and to the same address that you have givenus. Thus, you can receive all the disclosures and notices electronically or in paper format throughthe paper mail delivery system. If you do not agree with this process, please let us know asdescribed below. Please also see the paragraph immediately above that describes theconsequences of your electing not to receive delivery of the notices and disclosureselectronically from us.
Electronic Record and Signature Disclosure created on: 4/20/2015 2:25:38 PMParties agreed to: Alain Barbet, Jane Williams, Robin Fox
How to contact City of Denton: You may contact us to let us know of your changes as to how we may contact you electronically,to request paper copies of certain information from us, and to withdraw your prior consent toreceive notices and disclosures electronically as follows: To contact us by email send messages to: [email protected] To advise City of Denton of your new e-mail address
To let us know of a change in your e-mail address where we should send notices and disclosureselectronically to you, you must send an email message to us at [email protected] and in the body of such request you must state: your previous e-mail address, your new e-mailaddress. We do not require any other information from you to change your email address.. In addition, you must notify DocuSign, Inc to arrange for your new email address to be reflectedin your DocuSign account by following the process for changing e-mail in DocuSign. To request paper copies from City of Denton To request delivery from us of paper copies of the notices and disclosures previously providedby us to you electronically, you must send us an e-mail to [email protected] and inthe body of such request you must state your e-mail address, full name, US Postal address, andtelephone number. We will bill you for any fees at that time, if any. To withdraw your consent with City of Denton To inform us that you no longer want to receive future notices and disclosures in electronicformat you may:
i. decline to sign a document from within your DocuSign account, and on the subsequentpage, select the check-box indicating you wish to withdraw your consent, or you may;ii. send us an e-mail to [email protected] and in the body of such request youmust state your e-mail, full name, IS Postal Address, telephone number, and accountnumber. We do not need any other information from you to withdraw consent.. Theconsequences of your withdrawing consent for online documents will be that transactionsmay take a longer time to process..
Required hardware and software
Operating Systems: Windows2000? or WindowsXP?
Browsers (for SENDERS): Internet Explorer 6.0? or above
Browsers (for SIGNERS): Internet Explorer 6.0?, Mozilla FireFox 1.0,NetScape 7.2 (or above)
Email: Access to a valid email account
Screen Resolution: 800 x 600 minimum
Enabled Security Settings: •Allow per session cookies
•Users accessing the internet behind a Proxy
Server must enable HTTP 1.1 settings viaproxy connection
** These minimum requirements are subject to change. If these requirements change, we willprovide you with an email message at the email address we have on file for you at that timeproviding you with the revised hardware and software requirements, at which time you willhave the right to withdraw your consent.
Acknowledging your access and consent to receive materials electronically To confirm to us that you can access this information electronically, which will be similar toother electronic notices and disclosures that we will provide to you, please verify that youwere able to read this electronic disclosure and that you also were able to print on paper orelectronically save this page for your future reference and access or that you were able toe-mail this disclosure and consent to an address where you will be able to print on paper orsave it for your future reference and access. Further, if you consent to receiving notices anddisclosures exclusively in electronic format on the terms and conditions described above,please let us know by clicking the 'I agree' button below. By checking the 'I Agree' box, I confirm that:
• I can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OFELECTRONIC RECORD AND SIGNATURE DISCLOSURES document; and
• I can print on paper the disclosure or save or send the disclosure to a place where I canprint it, for future reference and access; and
• Until or unless I notify City of Denton as described above, I consent to receive fromexclusively through electronic means all notices, disclosures, authorizations,acknowledgements, and other documents that are required to be provided or madeavailable to me by City of Denton during the course of my relationship with you.
Electronic Record and Signature Disclosure: Not Offered via DocuSign ID:
Notary Events Timestamp
Envelope Summary Events Status TimestampsEnvelope Sent Hashed/Encrypted 6/23/2016 9:04:17 AM
Certified Delivered Security Checked 6/23/2016 9:04:17 AM
Signing Complete Security Checked 6/23/2016 9:04:17 AM
Envelope Summary Events Status TimestampsCompleted Security Checked 6/23/2016 9:04:17 AM
Electronic Record and Signature Disclosure
ELECTRONIC RECORD AND SIGNATURE DISCLOSURE From time to time, City of Denton (we, us or Company) may be required by law to provide toyou certain written notices or disclosures. Described below are the terms and conditions forproviding to you such notices and disclosures electronically through your DocuSign, Inc.(DocuSign) Express user account. Please read the information below carefully and thoroughly,and if you can access this information electronically to your satisfaction and agree to these termsand conditions, please confirm your agreement by clicking the 'I agree' button at the bottom ofthis document. Getting paper copies At any time, you may request from us a paper copy of any record provided or made availableelectronically to you by us. For such copies, as long as you are an authorized user of theDocuSign system you will have the ability to download and print any documents we send to youthrough your DocuSign user account for a limited period of time (usually 30 days) after suchdocuments are first sent to you. After such time, if you wish for us to send you paper copies ofany such documents from our office to you, you will be charged a $0.00 per-page fee. You mayrequest delivery of such paper copies from us by following the procedure described below. Withdrawing your consent
If you decide to receive notices and disclosures from us electronically, you may at any timechange your mind and tell us that thereafter you want to receive required notices and disclosuresonly in paper format. How you must inform us of your decision to receive future notices anddisclosure in paper format and withdraw your consent to receive notices and disclosureselectronically is described below. Consequences of changing your mind If you elect to receive required notices and disclosures only in paper format, it will slow thespeed at which we can complete certain steps in transactions with you and delivering services toyou because we will need first to send the required notices or disclosures to you in paper format,and then wait until we receive back from you your acknowledgment of your receipt of suchpaper notices or disclosures. To indicate to us that you are changing your mind, you mustwithdraw your consent using the DocuSign 'Withdraw Consent' form on the signing page of yourDocuSign account. This will indicate to us that you have withdrawn your consent to receiverequired notices and disclosures electronically from us and you will no longer be able to use yourDocuSign Express user account to receive required notices and consents electronically from usor to sign electronically documents from us. All notices and disclosures will be sent to you electronically Unless you tell us otherwise in accordance with the procedures described herein, we will provideelectronically to you through your DocuSign user account all required notices, disclosures,authorizations, acknowledgements, and other documents that are required to be provided ormade available to you during the course of our relationship with you. To reduce the chance ofyou inadvertently not receiving any notice or disclosure, we prefer to provide all of the requirednotices and disclosures to you by the same method and to the same address that you have givenus. Thus, you can receive all the disclosures and notices electronically or in paper format throughthe paper mail delivery system. If you do not agree with this process, please let us know asdescribed below. Please also see the paragraph immediately above that describes theconsequences of your electing not to receive delivery of the notices and disclosureselectronically from us.
Electronic Record and Signature Disclosure created on: 4/20/2015 2:25:38 PMParties agreed to: Robin Fox
How to contact City of Denton: You may contact us to let us know of your changes as to how we may contact you electronically,to request paper copies of certain information from us, and to withdraw your prior consent toreceive notices and disclosures electronically as follows: To contact us by email send messages to: [email protected] To advise City of Denton of your new e-mail address
To let us know of a change in your e-mail address where we should send notices and disclosureselectronically to you, you must send an email message to us at [email protected] and in the body of such request you must state: your previous e-mail address, your new e-mailaddress. We do not require any other information from you to change your email address.. In addition, you must notify DocuSign, Inc to arrange for your new email address to be reflectedin your DocuSign account by following the process for changing e-mail in DocuSign. To request paper copies from City of Denton To request delivery from us of paper copies of the notices and disclosures previously providedby us to you electronically, you must send us an e-mail to [email protected] and inthe body of such request you must state your e-mail address, full name, US Postal address, andtelephone number. We will bill you for any fees at that time, if any. To withdraw your consent with City of Denton To inform us that you no longer want to receive future notices and disclosures in electronicformat you may:
i. decline to sign a document from within your DocuSign account, and on the subsequentpage, select the check-box indicating you wish to withdraw your consent, or you may;ii. send us an e-mail to [email protected] and in the body of such request youmust state your e-mail, full name, IS Postal Address, telephone number, and accountnumber. We do not need any other information from you to withdraw consent.. Theconsequences of your withdrawing consent for online documents will be that transactionsmay take a longer time to process..
Required hardware and software
Operating Systems: Windows2000? or WindowsXP?
Browsers (for SENDERS): Internet Explorer 6.0? or above
Browsers (for SIGNERS): Internet Explorer 6.0?, Mozilla FireFox 1.0,NetScape 7.2 (or above)
Email: Access to a valid email account
Screen Resolution: 800 x 600 minimum
Enabled Security Settings: •Allow per session cookies
•Users accessing the internet behind a Proxy
Server must enable HTTP 1.1 settings viaproxy connection
** These minimum requirements are subject to change. If these requirements change, we willprovide you with an email message at the email address we have on file for you at that timeproviding you with the revised hardware and software requirements, at which time you willhave the right to withdraw your consent.
Acknowledging your access and consent to receive materials electronically To confirm to us that you can access this information electronically, which will be similar toother electronic notices and disclosures that we will provide to you, please verify that youwere able to read this electronic disclosure and that you also were able to print on paper orelectronically save this page for your future reference and access or that you were able toe-mail this disclosure and consent to an address where you will be able to print on paper orsave it for your future reference and access. Further, if you consent to receiving notices anddisclosures exclusively in electronic format on the terms and conditions described above,please let us know by clicking the 'I agree' button below. By checking the 'I Agree' box, I confirm that:
• I can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OFELECTRONIC RECORD AND SIGNATURE DISCLOSURES document; and
• I can print on paper the disclosure or save or send the disclosure to a place where I canprint it, for future reference and access; and
• Until or unless I notify City of Denton as described above, I consent to receive fromexclusively through electronic means all notices, disclosures, authorizations,acknowledgements, and other documents that are required to be provided or madeavailable to me by City of Denton during the course of my relationship with you.