Our Approach

As one of the top providers of credit and debit card-based payment processing services in the country, our aim is to offer the best service possible. We manage this by listening, anticipating and responding to our customers’ needs.

The IMPACT Difference

We understand the needs and risks associated with providing payment processing services to smaller merchants. With our extensive experience and resources, we offer:

• The ability to evaluate, undertake and manage risk
• The highest quality and reliability of service
• speed in approving merchant applications
• competitive pricing

Risk management is one of our biggest assets and helps us minimize merchant losses for the mutual benefit of our merchant customers and ourselves. We have a well structured infrastructure and underwriting staff dedicated to risk management operations, which encompasses underwriting new accounts, monitoring and investigating merchant account activity for suspicious transactions or trends and avoiding or recovering losses. We employ the following systems and procedures to minimize our exposure to merchant fraud and card-not-present transaction fraud:

• Underwriting
• Proprietary Management Information Systems
• Merchant Monitoring
• Risk Review Department
• Investigation and Loss Prevention
• Reserves
• Technology

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