Hancock Bank Merchant Services offers a comprehensive array of leading edge merchant processing products and services.

Our products allow your business to accept Visa®, MasterCard®, American Express®, Discover®, Diners Club®, JCB®, ATM debit cards and Gift Cards.

Terminal Options
The fast pace of today's business world places heavy demand on terminal equipment. Your customers and employees expect fast, accurate and reliable operation all the time. Hancock Bank Merchant Services offers a wide range of terminals to help you meet your performance and budget requirements. All terminals feature rapid authorization, reports and reviews, as well as flexible prompts.

• LinkPoint® AIO Terminal: a powerful, compact terminal capable of holding up to 200 transactions. It has a 2-line, 20 character backlit display, and its terminal prompts, similar to those used in Automated Teller Machines (ATM's). It helps reduce training time for employees. You can authorize and settle credit cards; purchasing cards Level II; debit cards, Gift Card and the TeleCheck Electronic Check Acceptance® (ECA®) service (terminal converts paper checks into electronic items at the point of sale, providing fast electronic deposits in the merchant account).



• Hypercom® T77T and T7Plus: excel in an environment that places heavy demands on equipment. They can meet your need for fast, accurate, and reliable operation. These terminals are simple to use and cost-effective. The Hypercom allows for easy installation and supports check - manual or electronic (Electronic Check Acceptance®), credit and debit cards, and Electronic Benefits Transfer. It supports Purchasing Cards Level II, Address Verification and FDMS Gift Card.



• Eclipse® Payment Terminal: provides multi-payment capability. Its integrated inkjet printer and check reader allow you to incorporate your payment requirements into one piece of equipment. You can authorize and settle credit cards; purchasing cards Level II; debit cards, FDMS Gift Card and the TeleCheck Electronic Check Acceptance® (ECA®) service (terminal converts paper checks into electronic items at the point of sale, providing fast electronic deposits in the merchant account).



• Verifone® Omni® 3200SE: a compact, easy-to-use terminal with integrated printer. It supports credit, debit, Electronic Benefits Transfer, FDMS Gift Card and check transactions in any Retail, Restaurant, Grocery or QSR (Quick Service Restaurant).Point-of-Sale environment. Terminal features an 8 x 21 backlit display that enhances readability through graphics, and extra-size menu prompts.



• Nurit 3010 Wireless Terminal: a mag swipe reader, thermal printer, and PIN pad integrated into one device. It enables you to accept credit and debit cards while mobile, or at locations where electricity or phone lines are not available. It can process transactions either via a dial line or wirelessly over the Cingular® Interactive Wireless Network. Each terminal comes with an AC power adapter and a rechargeable battery. FDMS Gift Cards are not supported at this time.

Advanced Payment Solutions
With Hancock Bank Merchant Services you'll have access to a wide range of hardware and software solutions that deliver flexible and efficient interfaces to Electronic Cash Registers, PCs, and point-of-sales equipment in a stand-alone or Local Area Network (LAN) environment.

• ICVerify® - A fully integrated PC-based credit, debit, and purchasing card authorization and settlement system. ICVerify® communicates directly to the First Data Merchant Services® (FDMS®) platforms to authorize payment transactions, which are then stored for end-of-day settlement. This process is as simple as swiping a card or key entering card information and entering the transaction amount. Transactions can also be passed to the ICVerify® System via an import function from any point-of-sale or order entry system. In addition, ICVerify® can be interfaced to a POS or order entry system, share a PC platform, and provide communications with the outside world for authorizations and batch settlement.



• YourPay.com® - a well-known way to process point-of-sale payments via the Internet. Now there is also a full set of YourPay e-Commerce tools to allow the acceptance of payments on a Web site too. From one product to thousands, from the simplest order form to a custom complex shopping cart system, the YourPay payment solutions are the right tools for the job. When the YourPay service is used to process Web site orders, business owners save time because the hassle of changing credit card association rules is solved.

Debit Card Services
Debit - The fastest growing payment method in the market, more consumers than ever are choosing to pay with a variety of branded debit cards. Hancock Bank Merchant Services allows your business customers to accept cards from all of the major networks, for both PIN-secured debit and signature debit transactions.

TeleCheck
TeleCheck Services Inc. -- the world's largest check acceptance provider -- offers the Electronic Check Acceptance (ECA) Service, a check guarantee and collection service, to more than 200,000 businesses and financial institutions. TeleCheck can help you grow your clientele while reducing the risk associated with accepting checks.

Gift Cards
Another rapidly growing, in-demand payment method, gift card programs can help your businesses attract new customers and new store traffic, and can help boost revenue and add incremental sales. Gift card programs also help in customer retention efforts which are so critical to your business customers' success.

Business/Merchant Benefits:

• Increased revenue, help bring in new customers by creating a destination vs. an impulse purchase.
• Gift cards can increase frequency of visits from existing customers.
• The amount of dollars spent generally increase with a gift card.
• Gift cards are an effective tool to manage in-store credit.
• Brand-building potential - cards are billboards in the consumer's wallet that advertise the business.
• Gift cards are easy to use, so employee training is very simple.
• Gift card programs offer reporting not available through traditional paper-based gift certificate. programs
  
  Consumer Benefits:



• Gift cards are easy to purchase and easy to use
• Make a great gift -Gift-giver can give a thoughtful gift without having to select a particular product
• Convenient payment method
• Cardholders shop without dipping into cash on hand, stopping for cash, or utilizing interest-bearing credit cards
• Gift cards reduce the need to carry cash, gift certificates, or credit slips
  

  Redemption:
  Cardholders present gift cards for payment for goods or services.
  Cardholder purchases additional value or "reloads" the card for any amount. Reloads can be used as a basis for incentive programs.

Purchasing Card
The Purchasing Card program is a point-of-sale system that allows your business to accept business-to-business credit cards. Accepting these cards can reduce administrative costs by reducing the paperwork that would normally be needed in order to receive payment from your customer. Hancock Bank Merchant Services offers a full range of solutions to integrate into retail or accounts receivable/order entry systems.

Internet Solutions
Hancock Bank Merchant Services offers a full array of electronic-commerce solutions and Internet transaction processing ability for all types of businesses. Our Internet solutions can help with Web site design and hosting, set up payment enabled storefronts, secure Internet payment acceptance, and more. We can help you go from bricks to clicks and expand your business via the Internet.