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Spotlight Innovators




                                                                        debit transactions, a POS system serves a multitude
                                                                        of functions for the merchant. POS systems handle
                                                                        not only the transaction process but also manage
                                                                        the time clock and payroll, track inventory, and
                                                                        provide detailed sales reporting, among other
                                                                        things. Due to the central role that a POS system
                                                                        plays for a business, it would require significant
                                                                        operational changes to switch to another payment
                                                                        solution. For these reasons, our statistics show
                                                                        that attrition is over 66% less for merchants with
                                                                        a POS system than those with a standalone credit
                   arbortouch is a leading national supplier of         card terminal. This allows you to build a more
                   point of sale (POS) systems, credit card pro-        stable portfolio instead of constantly worrying
                   cessing equipment and a full range of mer-           about retention and replacing accounts that have
        H chant services. Ranked by the Nilson Report as                been lost.
        one of the largest payment processors in the United States,
        Harbortouch currently handles the merchant accounts for      •  More Profitable Accounts – Most restaurants
        over 120,000 merchant locations and processes in excess         and retail stores require the advanced features,
        of $10 billion annually, with those numbers continu-            efficiency gains and reporting capabilities
        ally increasing. The company offers an unparalleled free        provided by POS systems. By offering POS
        equipment  program  that  supplies  a full-featured  POS        solutions, you can obtain the high volume accounts
        system to restaurants and retail businesses with no up-         that you are not able to obtain while pitching a
        front costs.                                                    standard credit card terminal.
         What’s New:                                                 •  Higher Margins  - With POS, you are no longer
                                                                        relying on a “rates and fees” sales pitch. POS
        Making the                                                      systems provide countless time and money
                                                                        saving features for merchants, so you can take
                                                                        the focus away from processing fees and shift the
        Transition to POS                                               conversation towards the ways you can assist in
                                                                        improving the merchant’s business. This enables
                                                                        you to seal the deal without decreasing margins.
                 cho POS As the payments and POS industries          •  Upfront Bonuses - Obtain lucrative upfront
                 converge, it is becoming increasingly difficult        bonuses as high as $550 for each POS system that
                 for ISOs to remain competitive without offer-          you place free of charge.
        E ing a POS solution. POS systems are now more
        accessible than ever and merchants are better informed       •  Market Differentiation - Why would a merchant
        about the benefits that they provide. By adding a POS           choose a standalone credit card terminal when
        solution to your offerings, you can gain access to the          they can receive a full-featured touch-screen POS
        higher volume, higher margin accounts that require a POS        system for free? The ability to offer a free POS
        system for their business. Harbortouch’s groundbreaking         system sets you apart from the other bank card
        free POS program gives our sales partners the ultimate          sales reps. Instead of selling simply on rates and
        selling tool, with no up-front costs and a low monthly fee      offering a low value “me-too” terminal, you can
        starting at $39/month.

        POS providers control the merchant’s processing options,
        so every time someone sells a POS system to a merchant
        that is one less potential customer for you to sell. POS
        systems “lock up” the merchant processing. By becoming
        the POS provider, you can benefit from this same control
        over the merchant’s processing, resulting in virtually
        non-existent attrition. POS delivers a path towards a more
        stable and profitable bankcard portfolio.
        The Benefits of POS

             •  Lower Attrition - A POS system is integral to a
               merchant’s daily operations. Unlike a credit card
               terminal, which merely handles the credit and



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