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Spotlight Innovators

One of the most unique offerings at Impact is its Agent to ISO program. Through this program, Impact aids agents that
wish to pursue a successful ISO venture by transitioning them into business ownership and registration. Through this
program, Impact associates assist agents with all the necessary steps to become a registered ISO. They also provide new
ISOs with tools needed to board and support merchants, as well as a residual CRM system for paying their MLS. Impact
guides each transitioning agent through the ISO setup stages and then continues to support them as they grow their
business into a successful ISO-level enterprise.
“This is one area we had hoped would be available when we became registered 18 years ago,” explained Karawadra.
“Over the years of recruiting and training agents, we could see a major disconnect with getting the agent to the next level,
because they lacked tools to manage a merchant portfolio themselves and relied heavily on their partners.” In an effort
to give these aspiring agents the support and knowledge they need to pursue a registered ISO business entity, Impact
designed and implemented the Agent to ISO program, and it continues to distinguish them in the industry.
Interested in more?

So, now that you’ve been introduced to Impact PaySystem LLC, would you like to know more?

The leaders at Impact PaySystem LLC would love to talk with you and share more about their products, ISO/Agent
programs and niche industry services. If you are interested in learning more about the company and its offerings, you are
invited to visit www.impactpays.com, phone them directly to 877.251.0778, or contact them via email at info@impactpays.com.

or over two decades Humboldt Merchant Services
has been the premier provider of credit card pro-
cessing solutions for high-risk or hard-to-place mer-
F chants, offering competitive pricing and first class
service. Combining dedication with knowledge and a primary
focus on customer satisfaction, HBMS has grown to become a
leader in the credit card processing industry. Offering superior
processing, and the latest in payment acceptance solutions, we
are at the forefront of innovative payment thinking.

What’s New:
Understanding specialty merchant selling

any sales representatives in the payments industry overlook merchants that can be difficult to board, com-
pletely missing out on a viable opportunity to expand their portfolio and residual income. In many cases,
this scenario occurs simply because there is a lack of knowledge about what makes a merchant’s business
M model more difficult to underwrite and how to go about qualifying a merchant that doesn’t fit into the low-
risk mold. Additionally, if the sales professional doesn’t already have a relationship in place with a reputable merchant
services provider that concentrates on managing restricted MCC/specialty merchant accounts and providing additional
underwriting reinforcement, it can be tough for them to know where to turn when an opportunity arises.

A fair chance for all
Many merchants with legitimate business types that require extra application review and attention are often left to fend
for themselves. This can leave them with sub-par merchant services providers and very high rates just to be able to accept
payments electronically. When a merchant in a restricted MCC bracket finally connects with a mainstream payments
advisor who is familiar with the merchant services risk landscape, it is generally well appreciated. Hence, payments
representatives who provide specialty merchants with affordable alternatives through a well-regarded specialty provider
can establish long-lasting relationships with successful businesses. “Many sales representatives are not pursuing out-of-
box merchant types due to a preconceived belief they cannot be boarded or supported, yet there is tremendous opportunity
in the specialty merchant market when a representative knows how to recognize, evaluate and place these accounts,” said
Leonard Garcia, vice president of sales at Humboldt Merchant Services.
Know your merchant codes
According to Garcia, there are many business types that are legitimate but also fall into risk brackets deemed by the card
brands as needing added review and risk oversight. “A restricted MCC account isn’t necessarily bad. It just means there
can be a higher probability of risk, which translates into additional handling and mitigation,” counseled Garcia. The key
to supporting this merchant bracket is learning which businesses can be boarded under the card brand mitigated risk
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