Take the worry out of accepting checks: Insure your business against check losses with our low cost Check Guarantee Program. 100% of the face value of your bad checks will be coverd. Leave the collection issues to "Secure Pay." Scan check through this fast and easy check reader or key the information into your existing credit card machine. Special 30-day "hold check" programs for auto industry and high-volume merchants.

Eliminate paper check handling: Our electronic check conversion product automatically deposits your checks without you ever having to visit the bank. Our system images and stores each check, converts in into an electronic transaction and then automatically deposits it into your bank, while ensuring you 100% against insufficient funds. Save on bank fees and bounced checks.

Customized gift cards for your business: These cards are hidden money-makers that generate far more income than first perceived. Very often gift cards are not redeemed or are only partially used. customers who shop with gift cards frequently purchase more than the face value of the card. All our cards are fully rechargeable, providing the ability to create repeat customers. They can also be used as stored value cards. Many entertainment centeres, ski lifts and other businesses have eliminated cash transactions and use stored value cards exclusively throughout their facilities.

On-site ATM machines: Cash-dispensing ATM machines, in stand-alone or in-the-wall units, are designed for small to mid-size businesses. Cassettes can carry from 500 to 6000 bills. Service contracts are available for ATM machines in most areas.

Automatically debit or credit your customers' bank accounts online: Our Electronic Funds Transfer system (EFT) allows you to automate your monthly billings and create direct deposit of employee payroll without the cost of a payroll service. You can do one time debits to customers' bank accounts and create your own internal financing program for your customers. Because this is intelligent software it knows exactly how many times to debit your customers' bank account and on what day of the month. Includes robust reporting options to track all transaction and customer payment history. You can set your billing profile and never have to touch the system again.

Automatic debit of your customers' credit cards each month: PC Charge™ software allows you to create a database of clients that have recurring monthly payments. Each month simply debit your database's credit card accounts for your monthly fees. Other features include processing of single card transactions or unique credit card batches. Optional card reader hardware is available.

Internet & Software Solutions

Application software brought to life: Typically software such as retail point of sale, order fulfillment and e-commerce shopping carts do not come pre-loaded with credit card processing software. UMS Banking offers these powerful tools from GO Software® to facilitate the processing of credit cards through these systems.

PC Charge™ — Credit, Debit & Check products for your PC

Java Card™ — The #1 choice of IBM midrange systems

Rita Server™ — For Windows, Unix, Linux, OS/390, OS/400 and Sun Solaris systems

Contact one of our service representatives to discuss your particular needs.