We understand that increased transaction speed drives quicker service and customer convenience.

By utilizing FNBO's payment platform, We are able to deliver not only quicker service, but flexible processing solutions enabling increased sales.

In addition, you receive quick and reliable settlement to your financial institution.

Products and Services

• American Express
  
  Why take American Express?

  Surveys show that 55% of Cardmembers actively look for the American Express decal to find out if the Cards are accepted.

  16% of all American Express cardmembers have no other charge or credit cards. Even if they have a bankcard, many card members want to-or even have to-use the Card because they are enrolled in the Membership Rewards program or are Corporate card members or both.

  The American Express average charge is 27% higher than a bankcard charge.

  American Express card members on average spend 4 times more on the American Express Card than bankcard holders spend on bankcards.

  American Express is the card of choice for more than 70% of Fortune 500 companies. Many Corporate card members are required to use the Card for all chargeable business expenses, including travel and entertainment.

  American Express Incentive programs reward cardmembers with a point for each dollar spent. These points never expire and can be traded for a variety of services such as hotel stays, car rentals, flying miles etc.

  58% of Membership Rewards enrollees are exclusive to the Membership Rewards program – they do not own any other competitive rewards bank card.

  The average online American Express purchaser spends 50% more per purchase than the average online purchaser.

  82% of card members who shop at supermarkets say that American Express is their card of choice for personal supermarket purchases.

• Discover Card
  
  Why accept Discover Card

  There are over 50 million Discover Cardmembers with over $300 billion in spending power. Discover Cardmembers spend more monthly than Visa and MasterCard users. Over 4 million merchants now accept Discover Cards.

  Cash back Bonus awards drive Discover Cardmembers to use only the Discover Card for purchases. That’s why Discover Cardmembers actively seek out those merchants who display and accept Discover.

  Affordable

  • Discover is Rated #1 in customer loyalty for six consecutive years.
  • Discover discount rates are comparable with Visa/MasterCard rates.
  • Benefit from faster settlement of funds with Discover direct deposit. 90% of the time you will receive your funds within 24 hours.
  • Discover Business Services will assess your discount fees at the end of each month rather than subtracting the fees from each batch. This makes reconciliation easier.
  • Free electronic Statements
  • No monthly minimums fees or dues
  • Free decals to attract card members
  • Savings on website advertising, payroll processing, long distance phone service and more.

  Merchant Services Provide

  • Paperless reporting through eReport
  • Online access to current and historic account activity through Tran$action Traker.
  • Online account management with Merchant Account Center available 24/7
  • Toll-Free Merchant assistance.
• Debit Card
  
  Debit Cards

  US Payment Solutions supports all the major payment types for your business needs. As a US Payment Solutions customer you can take advantage of our competitive VISA® and MasterCard® rates, plus we also support American Express®, Discover®, Diners Club®, Carte Blanche®, JCB®, debit and stored value cards.

• Electronic Check Processing
  
  Check Services

  By volume, paper checks still represent a large portion of consumer transactions in the retailing industry. US Payment Solutions's electronic check conversion service is a fast, secure payment option that makes accepting checks as easy as accepting credit or debit cards. Electronic check conversion converts paper checks to EFT transactions at the POS for electronic settlement. The benefits of electronic check conversion include the elimination of paper handling, expanded payment options for your customers and greater customer convenience.

  How Does It work?
  Your customer writes a check and presents it to the cashier with their personal identification. The cashier passes the check through a check reader to capture the bank routing number, account number and check serial number from the MICR line.

  The cashier then verifies the customer's ID by swiping it through the mag-stripe reader or keying the driver's license number into the terminal for authorization. Once the transaction is approved, the cashier voids the check and hands it back to the customer, along with a receipt similar to that for a credit or debit card transaction.

  Your store retains a copy of the receipt for record-keeping purposes. The signed receipt is the customer's authorization for you to electronically submit the check transaction through the ACH system. From here, the process is completely electronic.

• eCommerce Solutions
  
  eCommerce Solutions

  Whether you sell online, take phone or mail orders, or just need a simple method of processing transactions directly from any PC, US Payment Solutions provides the processing functions of a physical POS terminal with the added convenience of easy access from any web browser. US Payment Solutions offers fast, reliable and easy online processing - making it easy for you to join the ecommerce revolution.

• Store/Gift Cards
  
  Store / Gift Cards

  US Payment Solutions supports all the major payment types for your business needs. As a US Payment Solutions customer you can take advantage of our competitive VISA® and MasterCard® rates, plus we also support American Express®, Discover®, Diners Club®, Carte Blanche®, JCB®, debit and stored value cards.

• Risk Management
  
  Risk Management

  US Payment Solutions's risk management solution utilizes multiple exception processes to minimize losses associated with fraud.

  At US Payment Solutions our risk management system is parameter-based, producing exception reports to detect and prevent fraudulent activity either perpetrated by the cardholder and/or merchant employees. Our risk management staff work collaboratively with our merchants to establish customized parameters reflective of their operating environment.

• Small Business Advantage
  
  Small Business Advantage

  US Payment Solutions Small Business Advantage program enhances and solidifies your merchant relationships - offering your customers valuable business services and products at discounted, competitive rates.