Innuity’s Commerce division provides the operational capability for processing, managing and supporting commerce transactions between small businesses, their online and offline customers, vendors and business partners.

The Merchant Services business line’s offerings deliver complete, end-to-end payment and processing solutions for merchants — bringing faster credit capabilities to Innuity’s customers.

Providing all the functionality and support needed to conduct bank card services, Merchant Services offers a thorough merchant solution  including merchant approval software, bank card acquiring and comprehensive merchant life cycle management products; convenient and easy-to-use payment acceptance and processing solutions that are fully functional with multiple payment acceptance methods; and seamless payment engine delivery. The Merchant Services business line delivers these three principal offerings: Merchant Life Cycle Management, Bank Card Acquiring and Gateway.

• Merchant Life Cycle Management (MLCM) products provide rapid merchant account application processing, real time credit scoring, board automation, contract origination, settlement data, risk management and profitability and residual management. MLCM products take merchant applications from the prospect stage through account set-up and boarding; then advance the merchant process to total terminal set-up, transaction processing and detailed daily reporting. The result is a streamlined, integrated and seamless user experience.
  
  
• The Bank Card Acquiring (BCA) program provides the ability to accept retail credit cards — collecting payment from consumers’ credit cards or debit cards for goods and services sold. We have partnered with J.P. Morgan Chase &  Co., the nation’s largest merchant processing bank, to provide timely, secure and reliable payment processing capabilities and technology.
  
  
• The Gateway offerings provide eCommerce, mail order, telephone order and virtual point-of-sale transaction processing, and features the following core products:
  
  
  • Electronic Check Processing: Allows merchants to accepts checks from consumers over the Internet or by phone, including comprehensive online paperless check processing.
    
    
  • eCommerce Card Processing: Provides all of the service and functionality needed to start accepting major credit cards online, including Visa, MasterCard, American Express, Discover, Diner’s Club and JCB.
    
    
  • Recurring Billing Payment Processing: Enables online bill presentment and payment, providing the ability to apply payments.

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