Merchant Accounts - PayByTouch

Payment Processing

Pay By Touch is the only company that integrates biometric authentication, payments, personalized marketing, and payment processing. We offer the most secure, convenient, and cost-effective electronic transaction solutions available. Download the Retail Overview PDFHere

In today's volatile and fast-paced marketplace, you need payment solutions that help you better manage your business while maintaining your costs. And, you need providers that understand the specialized needs and concerns of small to mid-sized businesses.

Pay By Touch Payment Solutions is a leading provider of end-to-end payment processing solutions focused on meeting the needs of today's merchant. From traditional terminals to integrated applications to e-payment systems, Pay By Touch Payment Solutions delivers the right solution for your business. With customizable solution sets, state-of-the-art technologies and value-added services not available anywhere else, we put Pay By Touch Payment Solutions to work for you - helping you better run your business and improve bottom line results.

Our complete portfolio of payment processing solutions enables you to:

* Leverage a single source provider for all your payment processing needs
* Customize and implement the solution set specific to your requirements
* Save time and money with advanced, reliable and cost-effective technology
* Better manage the entire payment processing cycle and improve efficiencies
* Reduce risk, better manage account activity and improve dispute resolution
* Improve customer service and satisfaction through value-added services

From traditional terminals to integrated applications to gateway e-payment systems, Pay By Touch Payment Solutions delivers the right solutions for your business.

Biometric Payments

With Pay By Touch, consumers are immediately linked to their financial accounts, personal identification information and loyalty / membership accounts with the touch of a finger on a biometric sensor. No checks, credit/debit cards, loyalty cards, cash or IDs are necessary. eCheck, Pay By Touch’s ACH product, provides one-touch debit from a shopper’s existing checking account—enabling merchants to drive lower-cost ACH payments.

The Pay By Touch system enables biometric authentication and electronic wallet presentation to your Point-of Sale, and can be easily integrated into any Point-of-Sale application. Once enrolled, your customers can identify themselves with a biometric finger scan at checkout, retrieve their electronic wallet, and select a payment type. Your Point-of-Sale application then processes the payment much like a traditional transaction.

Current Point-of-Sale partners include IBM, NCR, StoreNext, Retalix, Verifone, Ingenico and MTX-EPS

	Pay By Touch Wallet Just like a physical wallet, a customer's Pay By Touch wallet contains personal identifying information, financial account information, loyalty and membership program information—all securely linked to that individual through their unique fingerprint. Finally—nothing to be lost or stolen.
	Enrollment Consumers can enroll for free at an in-store kiosk or online, by adding their financial, membership and loyalty accounts and then scanning their finger on a biometric finger sensor.
	Age Verification Pay By Touch removes the responsibility of age verification from cashiers, increasing the efficiency of both traditional and self-checkout lanes.
	Loyalty and membership authentication Pay By Touch loyalty authentication services enable you to enhance your existing program or begin to build a more personalized one-to-one marketing program using Pay By Touch Personalized Marketing—where every shopper is recognized as a unique individual.
	eCheck - ACH eCheck gives consumers simple access to their existing checking accounts. It’s like using a debit card or writing a check, without the need for plastic or paper. And better yet, these transactions are processed over the ACH network, which helps save you money.

Biometric Check Cashing

Paycheck Secure™ lets you offer a safer, less expensive, and more private check-cashing service.
The Paycheck Secure system stops fraud and speeds check cashing by using the latest fingerprint scanning technology. As with other Pay By Touch services, check cashing requires just the touch of your customers' finger, to cash payroll or government checks.

Your customer completes a one-minute enrollment at a Paycheck Secure location. The customer's driver's license information and fingerprints are recorded in the system, along with a digital photo of the customer.

When the customer returns to your store to cash a check, all they need to do is put their finger on the scanner, which verifies your customer's identity. The customer's complete check cashing history appears on the screen, and Paycheck Secure will make a clear recommendation about whether you should accept or reject the customer's check.

Paycheck Secure benefits

* Minimize check fraud by biometrically identifying and verifying your check cashing customers with their fingerprints and sharing negative data across the Paycheck Secure network.
* Improve customer service with no hassle check cashing. After an easy enrollment, all your customer needs is their finger (no ID required).
* Improve your bottom line by cashing more checks in less time.
* Streamline your business with the management tools offered by Paycheck Secure.

Paycheck Secure Overview PDF
Advanced Features PDF
Electronic Deposit PDF

Personalized Marketing

With Pay By Touch Personalized Marketing, truly targeted, high-impact marketing is finally possible. Retailers and manufacturers can now cost-effectively fulfill the potential of individualized retail marketing with turnkey solutions for traditional and cardless loyalty programs.

	Personalized Savings With Pay By Touch Personalized Marketing, truly targeted, high-impact marketing is finally possible. Retailers and manufacturers can now cost-effectively fulfill the potential of individualized retail marketing with turnkey solutions for traditional and cardless loyalty programs.
	Shopper ID Services Shopper Identification Services Pay By Touch’s Shopper Identification Services provide the most efficient and secure technology to capture and manage opt-in customer data and help retailers manage reward-marketing programs, end-to-end.

Ready to get started? Fill out the forms below and fax to 304-579-4882

Application
PCI Questionnaire