Payment Acceptance

Prepaid

Information & Analytics

Advanced Solutions & Innovation

Network Solutions

Issuing & Access Solutions

COMMERCIAL PAYMENTS First Data takes you beyond with Commercial Payments solutions

designed for financial institutions looking to retain and attract

new customers in a constantly changing payments landscape.

At First Data, our global experience across the full

payments value chain gives us unique insights into

the marketplace, allowing us to develop the most

innovative and comprehensive solutions financial

institutions need to attract and retain customers and

stay ahead of the competition.

First Data Commercial Payments solutions are no

exception. Financial institutions are aggressively

pursuing new ways to acquire and retain key

customers, while cutting costs wherever possible. As

more companies integrate payments into their procure-

to-pay strategies, FI’s view their commercial payments

offering as an effective way to influence how current

and prospective customers choose to bank.

First Data’s offers a dynamic Commercial Payments

suite that not only meets your customers’ needs but

can help you achieve your acquisition and retention

goals as well. From commercial card processing and

card management to payment electronification and

cash management, you will benefit from increased

cost savings, greater overall operational efficiencies,

improved risk plus increased speed to market.

GO BEYOND: COMMERCIAL PAYMENTS

We’re able to offer all the full features, all the functionality

that anybody would want or need, or is looking for. And

when our customers see that, they’re blown away.”

Executive Vice President, American Bank of Texas

Comprehensive Payment Solutions

Remain Competitive

Attract & Retain Customers

Control Your Costs

Manage electronic and check payments through

a variety of solutions including commercial credit

processing, remittance, biller payment solution,

electronic check capture, and associated software

applications.

Stay ahead of the competition by offering your

customers the most advanced end-to-end

commercial payment solutions designed to help them

operate more efficiently and realize greater ROI.

Maximize client acquisition and retention by

offering your customers a complete solution for

their commercial payment needs from a single

source provider.

Manage overall costs through greater program

control, increased operational efficiencies and

reduced overhead costs.

“

How First Data GOES BEYOND

All the features, services and support a financial institution needs to compete to attract and retain key

commercial customers.

OUR COMMERCIAL PAYMENTS PRODUCTS

FIRST DATA ADVANTAGE

A fully outsourced service or a simple processing

model, enabling you to improve your risk and cost

controls, increase speed to market and provide

detailed reporting for decision-making.

A flexible web-based card management system

that allows the issuer to manage and view the card

portfolio – while allowing the issuer’s customers to

manage and grow their card programs.

An extensive suite of Web-based cash

management services delivered in a secure,

low-cost application service provider (ASP)

environment.

An enterprise wide solution enabling direct

billers to consolidate and streamline their bill

payments processing, reporting and back office

reconciliation.

A comprehensive solution that includes merchant,

consumer and mobile capture points, and allows

convenient and secure check deposit from the

office, at home, or on -the- go.

BENEFITS

Reduce administrative and procure-to-pay process costs while

enhancing cash flow management via multiple billing and

payment options. Global acceptance for Visa®, MasterCard®

and American Express® commercial cards means your

customers will have access to their funds worldwide.

With customer defined workflows and customized branding

that meet your requirements, 360 Control means that you

are in the driver’s seat. 360 control includes ASP entitlement

approach to service delivery, patented cost allocation and

ERP integration models.

Access account information from anywhere in a

user-friendly, convenient solution. With web-based

applications for businesses of all sizes and direct

compliance support, we can help you with all of your

cash management needs.

A scalable, reliable and highly secure payment infrastructure

that meets reporting and reconciliation requirements of

agencies and departments enterprise-wide. Includes credit

card, debit card and ACH processing with registration and user

authentication.

Minimize fraud and protect your customers with our easy to

deploy RDC solution that includes risk mitigation tools along

with Item and File Verification. Each transaction is verified and

controls are put in place to ensure deposit integrity.

SOLUTION

Commercial Card

360 Control

Cash Management

PayPoint®

Remote Deposit Capture (RDC)

HOW DO YOU GO BEYOND TO…• Attract and retain commercial customers?

• Leverage technology to create a better customer experience?

• Increase revenues while reducing overall operational costs?

• Sustain and grow your commercial portfolio?

• Provide customers more input and control?

FIRST DATA. COMMERCIAL PAYMENTS.

First Data is always out there helping us. It would

be very hard to find another partner that does

everything they do for us.”

Electronic Services Manager, Firstbank Corporation

“

© 2011 First Data Corporation. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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FIRST DATA GOING BEYOND+40 years in the business

+28 product categories, hundreds of products

$1.4 trillion settled annually

53 billion transactions annually

2 billion online transactions

FOR MORE INFORMATIONContact your First Data Sales Representative or visit firstdata.com