Partner America Program

*UPDATED* Surcharge Tables April 2007

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Mid/Non Chart April 2007

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2007 ISO Sales Manual

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Total Credit & Debit Card Acceptance

Our credit and debit card authorization and capture services are available through a wide range of point-of-sale terminals, electronic cash registers, PC's, and other state-of-the-art equipment.

In addition to our card acceptance services, we offer for both wholesale and retail a variety of terminals, printers, peripherals, and software, supported by all major networks. As a convenience to our customer's IRN offers affordable flexible payment and support options such as leasing and equipment maintenance programs.

Visa, Mastercard, American Express, Discover

*Updated* DEBIT CHART 1-2007

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Receivable Finance

UNSECURED CASH ADVANCE 

We understand the need for unsecured business cash advance for small business owners and we are committed to making the funding process as simple and risk-free as possible. You can gain new profits by taking advantage of a powerful untapped asset...your credit. Within just a few days, you can acquire an unsecured cash advance that can help you with your small business expansion or operation.

A business cash advance works by allowing you to borrow against your future Visa or Master Card sales rather than using your personal credit or collateral. The business cash advance amount is deducted from your business' Visa and Master card receivables, all other revenue earned through cash, check or other cards are untouched by the lender. There is no monthly payment schedule or finance charge for an Unsecured business cash advance. This is ideal for people who do not want to apply for any unsecured business loans.  An unsecured business cash advance can help your business grow even without going for a business loan.

Our program for unsecured business cash advance allows small business entrepreneurs like you to invest in the future growth of their business through expansion, procurement of essential equipment, or improvement of their operating facility.

Gift Card Loyalty Program

Gift CardsThe gift card loyalty program is a sales promotional tool like no other. By offering your merchants our unique gift card program, you will improve your merchant's profitability by enhancing their services through card-based consumer solutions. Through this program, your merchants will be able to offer a card similar in size, weight, and thickness as a consumer credit card with your merchants logo and name proudly displayed. Each card is activated by dollar amount and used as either a gift certificate or loyalty card. Once only affordable to larger chain stores, this gift card loyalty program is affordable for any size merchant.

To view a training on this product, or obtain forms, please visit:

www.giftcardtraining.com/irnpayment

Guaranteed Leasing Programs

Download the PDF At IRN, we know how difficult it is to maintain a sales force, not to mention acquiring new merchant business. We also realize how important new terminal sales are to your sales organization. For this reason IRN has partnered with several leasing companies to offer your organizations with guaranteed leasing at a very competitive rate factor.

Dedicated Customer Service

IRN provides the highest level of unparalleled customer service & support. Our fully operational 24 hour 7 days a week customer service center includes merchant training and support for all products and services supported by IRN. With a convenient 800 number to dial, your merchant's satisfaction is guaranteed.

IRN Terminal Deployment & Training Services

At IRN, we understand how important it is to support your sales organizations with value added services. IRN will provide your sales agency with the option of allowing our technicians to deploy your merchant's equipment. You and your merchants will have the option of choosing the method of shipping (I.e. ground, 2nd day and overnight delivery). Included in their package will be an IRN welcome letter and starter kit. This starter kit includes a complete set of instructions, stickers, overlays, and a letter explaining to your merchant that an IRN technician will be available to train them. If your merchant requires immediate assistance, they may call IRN toll free at 1-800-366-1388.

American Express (ESA Program)/Discover (EASI Program)/Diners (ISA Program) Acceptance

At IRN, we understand the value of American Express, Discover and Diners Club acceptance to your merchants. In fact, IRN was one of the first organizations to participate in the American Express ESA program. All of these programs allow your sales organization to participate in another lucrative residual stream, while catering to a merchant’s need to accept all card types at their place of business.

Agent Banking

IRN provides financial institutions with the ability to streamline and upgrade their merchants deposit relationship. We maximize the bank's profitability, by generating float benefits, reducing operating costs, and provided unique product enhancements.

Creative Payment Solutions

With a support team focusing on different business solutions, we are able to identify innovative new technology and marketing trends within the electronic payment industry.

Electronic Benefits Transfer (EBT)

At IRN, we understand the need to keep up with emerging markets and new technology. We are proud to offer EBT nationally. By accepting EBT transactions your sales organization will benefit from additional merchant sales your competition may not accept. In addition the number of EBT transactions average much higher in volume, which means significantly greater residuals for your organization.

If you have any questions about any of the services supported by our program, please call us at 1-800-366-1388.