Payment Processing Services

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Payment Processing Services
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Payment Processing Services
Creative Cash Flow Solutions (CCFS)

CCFS provides the actual payment processing services used by merchants as well as the back end database and data access tools necessary to effectively manage every facet of merchant processing. CCFS specifically focuses on large, growing markets.


CCFS solutions provide merchants:

* ACH products and services to expand a merchant's business opportunities and profitability by allowing customers to pay for products and services over the phone and/or Internet via electronic "checks."
* Risk reduction solutions that minimize a merchant's risk due to fraudulent and/or incorrect payment information.
* Check recovery services for payments/checks that "bounce" for either NSF or some other reason.
* Credit Card Merchant Accounts and processing.



Why Not My Bank?

Who knows who your bank will be tomorrow. They just gobble each other up and make changes that could affect your business overnight.

ACH is not Profitable to a bank leaving most departments short- staffed.

Software is off-the-shelf without the tools and technical support you will need to implement a “Working Program.”

CCFS process for hundreds of merchants, merchants who at one time processed at their bank... know why they switched?

1. Banks will historically quote a very low per transaction fee because that is the fee they know will stick in your mind. But then they have a list of fees such as a per batch fee, batch cancellation fees, and high NSF fees. Some are usually camouflaged in your monthly analysis charges.

2. Failure to return customers' calls promptly, if at all. If your people have a technical support or other question, they want the answer now so they can continue on with their work, not 3 or 4 days and / or calls later. Who likes dealing with their Bank?

3. It is well known in the industry that one of the primary reasons that banks offer ACH, is to lock a customer in to the bank forever because of the software and the problems with implementing a whole new program. With Creative Cash Flow Solutions, it makes no difference who or where you bank, and changing banks only takes 30 seconds with our software.

4. Almost all bank's software is designed for the bank's back room convenience and with little or no thought to the customer's side. There are some absolutely horrible, mind boggling programs that are so inefficient making them totally useless. Some are still in DOS. The reports are difficult, if not impossible, to reconcile, while Creative Cash Flow Solutions' software was designed with you, the end user, in mind first and foremost.

5. One of the biggest reasons we get so many people who want to change from their bank to us is because their bank has been bought out by another bank and management has changed.

Check Payments by Phone, Fax & Online
Eliminate one of the three greatest lies... "The check is in the mail." Accept checks for 1/2 of what credit cards charge...

* Accept payments from consumers who don't have credit cards.
* Eliminate "the check is in the mail" syndrome.
* Allows faster access to funds than waiting for check payment by mail.
* Reduce labor costs associated with physical check processing.
* Half the price of accepting credit cards.
* Lower risk of credit card charge backs.
* Funds available in as little as 48 hours.
* Collect past-due accounts using our Checks By Phone™ System.
* Use our Automated Payments feature to receive your monthly payments on-time, every time.
* Streamlines the billing process.
* Guarantees timely customer payments.
* Gain competitive advantage by offering an additional payment option.
* Improve cash flow with online check processing.
* Save on expensive invoicing and mailing costs.

...

 



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