QOS Merchant Solutions, Inc. is an Independent Sales Organization (ISO), headquartered in Atlanta, Georgia. We are licensed and certified by Global Payments, Inc. to provide merchant account services and value added services to businesses in North America. Global Payments, Inc. was a subsidiary of National Data Corporation until early last year, when it was spun off as a separate company and went public in the summer of 2000. Global Payments, Inc. currently holds the position of the fifth largest credit card processor in the world, processing in excess of three billion credit card transactions each year. Currently, Global Payments, Inc. is growing at the rate of 300% per year, because of their strong customer service focus and range of services available for their merchant customers.

QOS Merchant Solutions, Inc. is also backed by Hong Kong Shanghai Bank Holding Company, the third largest bank holding company in the world. Hong Kong Shanghai Bank Holding Company serves as the funding bank for all credit card transactions processed by Global Payments, Inc.

With this combination, QOS Merchant Solutions, Inc. is backed by some of the best and most knowledgeable in the merchant services industry. There is no service or feature offered on the market today for credit card processing that is not available from QOS Merchant Solutions, Inc.

Why Choose QOS Merchant Solutions, Inc.?

• Comprehensive payment systems packages, including bundled credit card, debit card, EBT, Internet, purchasing card and check guarantee/verification and recovery services.
• Numerous pricing and liability options to meet merchants' needs
• National coverage for debit network sponsorship
• · Easy-to-use services operating on state-of-the-art hardware or integrating with existing equipment
• Cost-effective terminal management and support
• BIN sponsorship with some of the leading financial institutions in the country.

What does all this mean for you?

QOS Merchant Solutions offers a complete range of payment processing solutions that merchants can custom-tailor to meet their specific needs. Following is an overview of the major products and services that can help you better manage your credit card payment program.

Card Processing Services

QOS Merchant Solutions has a depth of experience in card processing that has made the company one of the leaders. Services include:

• Integrated credit/debit platform with consolidated funding and single statement
• Flexible credit underwriting guidelines
• Merchant accounting
• Detailed monthly settlement reports
• Purchasing card support programs
• Voice and touch-tone capture authorization systems
• Specialized reporting

Debit Card Processing

QOS Merchant Solutions can meet your needs for debit card processing, offering flexible programs that enhance your payment options. Services include:

• Access to national and regional networks
• Fast set-up on multiple networks for reliability
• No initiation fee

Terminal Management Services

With terminal management services that are service-driven and affordable, QOS Merchant Solutions meets the timely needs of countless merchants. Services include:

• 24 x 7 customer support
• Repair/refurbishment services
• Merchant training and installation
• PIN pad encryption
• Conversion assistance
• Supply fulfillment and replenishment

Check Guarantee Services

QOS Merchant Solutions' proven products have been employed by small and large retailers across the country, helping them ensure their check acceptance procedures enhance profitability and operations. Services include:

• Guaranteed reimbursement for authorized checks
• High guarantee limits
• Small merchant programs
• Choice of reimbursement periods
• Flexible claim submission periods

eCommerce Programs

QOS Merchant Solutions is on the cutting edge of eCommerce payments, with solutions that utilize the best in evolving technologies while ensuring reliability and security. Services include:

• Complete virtual storefront solutions
• Web Hosting
• Web site design and support
• Internet-based payment processing
• Multiple payment gateway options
• Help desk support

THE CHALLENGE

In today's fiercely competitive marketplace, you need access to electronic commerce and payment processing solutions that are backed by an experienced company with a knowledgeable staff. Your payment partner should be able to successfully integrate evolving technologies to meet the demands of the constantly changing field of payment processing.

THE SOLUTION

QOS Merchant Solutions has an unmatched level of strength, experience and expertise. When you join with QOS Merchant Solutions, you gain access to an unmatched level of support and talent. QOS Merchant Solutions works to ensure your success, letting you compete at new levels while increasing your profitability.