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Spotlight Innovators

Industry expertise is the key

Fortunately, there are a handful of service providers in the industry that are established and well positioned as a specialty
service provider for merchants that fall into hard-to-place industry brackets. However, outside of HBMS, none offer two
decades of reputable service to merchants in the higher-risk markets, or a well credentialed in-house underwriting team
that specializes in boarding them quickly and efficiently.

HBMS offers competitive, secure and reliable payment processing solutions to a myriad of merchant industries that are
legally operating businesses, but are still considered hard-to-place accounts due to additional underwriting requirements.
Examples of these industries include nutraceuticals, extended warranty, firearms and ammunition, electronic cigarettes,
bail bond issuers, direct marketing, and buying clubs, as well as card-not-present (CNP) merchants falling into the dating,
adult content, free trial and online tobacco categories.
Opportunity awaits you

While these types of accounts may seem obscure and unworthy of the time it perceivably takes on the sales front to
ensure all the underwriting requirements are fulfilled, they also make up a large segment of the merchant marketplace.
Additionally, they offer an unparalleled level of sales income opportunity, due to high and consistent sales volumes, as
well as competitive mark-up opportunities.

“Humboldt Merchant Services has proudly and consistently served the merchants that are commonly rejected by other
processors,” stated Adam McDonald, HBMS president. “We’ve spent two decades perfecting the review process and
underwriting techniques required to wholesale these accounts through to the processors that trust our in-house review
tactics and will board them without additional red tape.”

If you are a payment sales professional looking for a source to board business opportunities you would normally pass by
due to the industry type or boarding difficulty, HBMS invites you to tour our website to become more familiar with our
practices and service levels. We would also be happy to provide you with references from our sales partner community
and merchants we serve.

SAePay is a family-owned business based in Los
Angeles, CA. For over 15 years, the company has
been assisting merchants with payment solutions
U to fit their needs. USAePay's payment gateway
supports most of the major platforms in the credit card indus-
try and works with some of the leading check platforms.
USAePay is pleased to work with most of the larger merchant
service banks in the US and Canada.
What’s New:
The coding behind your USAePay integration

echnology integrations have now become a worldwide norm for connecting value-added functionality with
enterprise-level business applications. It doesn’t matter if a company is using a software application to track
inventory, handle accounting functions, or map a sales pipeline, the power of sharing data between platforms
T lies in the code behind the integration.
In the case of POS-based payments, the integration model is particularly important. Not only are there hundreds of POS
software systems available for merchants to choose from, but each of these systems must be powered by payment gateway
integration in order to process transactions. Moreover, the payment gateway technology is what ensures a software
application remains in compliance with the latest PCI and EMV (Europay, Mastercard and Visa) standards, in addition to
providing a robust administrative layer that easily integrates viewable data into the POS dashboard interface.

None of these critical software integration functions would be possible without a best practice string of code, better known
as the API (application programming interface). This code is what enables two unique solutions to sync and transport
data between them. In addition to providing best practice functionality, the base API code must also be enriched with
important security parameters to ward off hackers that may try to use the gateway API as an open door to compromise
either system.
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