Merchant Services
Credit and Debit Card Processing
Increase your sales by accepting credit and debit cards as a payment method at your business.
Businesses of every size rely on electronic transaction and payment processing with RBS WorldPay, a national single-source provider of electronic processing solutions and a Citizens Financial Group company.
We are proud to offer a variety of merchant services through RBS WorldPay, one of the largest and most reliable payment processors in the country. Acquired by our parent company, the Royal Bank of Scotland, in September 2004, RBS WorldPay is a national provider of electronic payment, cash dispensing and e-commerce solutions. RBS WorldPay is a wholly owned, non-bank subsidiary of Citizens Financial Group (CFG) that provides credit and debit card processing (Merchant Services) to over 150,000 businesses nationwide.
With RBS WorldPay, merchants can accept debit, credit, EBT cards and checks quickly, securely and cost-effectively. Merchants can also rely on RBS WorldPay's innovative e-funds distribution, stored-value cards and e-commerce solutions. RBS WorldPay offers full-service ATM processing, daily settlement, cash management, toll-free support and reliable network connectivity.
As a credit card processor, you can choose from traditional merchant point of sale (POS) terminals, industry-specific integrated options as well as wireless equipment alternatives. With RBS WorldPay, you can process your credit card payments in conventional retail settings, mail order/telephone order as well as e-commerce environments.
Credit Card Processing
From card swipe to settlement, RBS WorldPay is one of the most reliable - and affordable - credit card processors in the industry. As an RBS WorldPay customer, you'll have access to the most robust payment options available to help you accept the nearly one billion credit cards now in the hands of today's consumers, including Visa, MasterCard, American Express, and Discover.
To maximize your protection against downtime, RBS WorldPay has built a nationwide payment infrastructure supported by fully redundant data centers that use precise load-sharing technology. In addition, you can access toll-free customer support - 24 hours a day, seven days a week - with 98% of calls answered by an RBS WorldPay representative within 30 seconds.
Debit Card Processing
Nearly half of all card transactions are made with debit cards. By offering this payment alternative, your customers can purchase goods and services without having cash or a checkbook handy - and without incurring debt by using a credit card. They'll also have the added convenience of getting cash back on purchases - and your business will have increased protection against chargebacks.
Electronic Benefits Transfer (EBT)
As increased state and federal benefits are issued via Electronic Benefits Transfer (EBT), the demand for acceptance of this payment type will continue to grow in the retail environment. Sign up for RBS WorldPay's PIN-secured debit processing and you will have the option available if you to decide to accept Electronic Benefits Transfer transactions.
Check Verification and Guarantee
Consumers still like to write checks, so it's important that your business accept them. But how can you protect your profits against fraud? By using the RBS WorldPay's check verification or guarantee service. And it's easy to use, as your POS terminal can be programmed to walk you through the process - step-by-step - returning an approval or denial in seconds.
Private Label Custom Gift Cards
Gift cards help you easily capitalize on existing customers, attract new customers, and keep them coming back. The program includes actual credit-card-size plastic cards personalized with your store name and information. Purchased and redeemed at your store like a credit card, prepaid cards are both a welcome gift for your customers and pre-paid purchases for your business.
Customer Loyalty Cards
Use RBS WorldPay's mag-stripe card-based loyalty program to reward your repeat customers for doing business with you. It's also an affordable and easy way to build customer loyalty, increase traffic, and learn more about the customers who mean the most to your business.
Payroll Cards
Reduce your expense of processing paychecks while giving your employees convenient access to their pay with a prepaid payroll debit card. With a payroll card, your employees' pay is deposited to their card using the standard ACH process used by employers who offer direct deposit. The payroll card acts like a bank account, giving employees the convenience of a Visa or MasterCard without the cost and qualification requirements of a traditional bank account or credit card.
Web Payments
E-commerce is one of the most cost-efficient ways to build sales, and RBS WorldPay can help you accept credit card payments for online purchases. RBS WorldPay is certified with many shopping carts, so if you already accept credit cards on your website, switching to RBS WorldPay is easy. And you can eliminate the hassle and expense of maintaining separate contracts with a payment processor and an authorization gateway.
Recurring Payments
To offer your customers greater convenience and help you easily collect payments, use RBS WorldPay's recurring payment program. This Web-based service allows you to charge recurring payments to a customer's credit card or direct debit through ACH from a customer's bank account in set intervals. You can define the amount and number of payments at a frequency of your choice.
POS Terminals
RBS WorldPay is certified on many POS terminals and systems, so it's quick and easy to switch to us. A Sales Account Executive can recommend a new terminal that has the features and functionality to meet your payment needs today - and for the future. Purchase and lease options are available on most terminals and peripherals.
Virtual Terminal
If the presence of a traditional point of service (POS) terminal isn't optimal for your business, consider a virtual terminal. With this service, you can accept credit and debit card transactions through an existing computer with Internet access. And, you can add support for swiped (face-to-face) transactions simply by attaching an inexpensive mag-stripe reader also available through RBS WorldPay.
Equipment Replacement
Even with normal usage, POS terminals can break down or fail, leaving you unable to accept credit or debit cards. To ensure that you will never be without processing capabilities, consider RBS WorldPay's optional equipment replacement program. Defective equipment is replaced if it should fail for any reason other than abuse, acts of nature, fire or theft.
Web-based Payment Processing Tracking with Online Reporting
24-hour, 7-day-a-week free, Web-based access to your transaction data and activity reports. Monitor bank deposits, review current retrieval requests and chargebacks, and order additional services.
Let RBS WorldPay help you build sales - and your bottom line.
For more information on our wide array of Payment Solutions, visit our website at RBS WorldPay or call toll free 1-866-336-5965 to speak to a banker today.
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