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Spotlight Innovators

eadquartered in Troy, Michigan, award-win-
ning North American Bancard is an industry
leader in credit card processing, providing a
H variety of merchant services that help client
companies of all sizes develop solutions for payment
processing, including credit, debit, EBT, check conver-
sion and guarantee, gift & loyalty cards, and much more.
As an MSP/ISO since 1992, North American Bancard is
dedicated to offering the highest service levels, excep-
tionally competitive pricing, and the latest technology to
its client companies, including Pay Anywhere, its pro-
prietary point-of-sale (POS) solution. With over $34 bil-
lion worth of payments processed for more than 250,000
businesses every year, North American Bancard is deter-
mined to help American business prosper.

What’s New:
Easy-to-sell software integrations

oday's payments ecosystem is complex. With an industry full of back-
end processors, gateway platforms, and an ever-growing host of
independent software vendors, it can be difficult to know how to pair
T a prospective merchant with the best merchant services provider.
Chances are, your client is using some type of third-party software product
for tracking customers, managing finances, and/or administering internal pro-
cesses like inventory or web-based selling. Therefore, most of them will also
benefit from an integrated payments solution.
As a sales professional, it's your job to help your clients understand what
solution is right for their business and why. However, this obligation can be a bit
daunting if you're not sure which payment platform pairs best with a software
application they are using. This is when working with a reputable, full-service
processor that offers an array of integration options will make it easier for both
you and your clientele.
Integrating for efficiency
"What separates us from a gateway standpoint is that we can integrate and customize a payment solution for any client,"
said Leonard Garcia, Vice President of Sales at Humboldt Merchant Services. "We like to pride ourselves on being nimble
and we have the ability to bridge the gap with custom-coded integrations that keep the client's best interest in mind."
When clients onboard to Inovio, the HBMS proprietary gateway, Garcia indicated they have access to several third-party
software integrations already available through Inovio's developer portal. According to Garcia, it's as easy as downloading
the code from a library of pre-programmed application programming interfaces and software developer kits. "The process
often only takes a day to get the integrated payments system up and running," he said.

Garcia also noted the Inovio development team helps merchants with custom payment gateway integrations. "We've been
doing this a long time and know how to help merchants get connected quickly," he stated. "We're never deterred when
challenged with a client who might be using a gateway requiring more work from an integration standpoint."
Integrating for redundancy

According to Garcia, Inovio also offers certain features and functionality most gateways don't have, including built-
in fraud and chargeback mitigation tools and robust reporting capabilities, specially designed to cover a merchant's
full business spectrum. Garcia explained there is also more visibility into the merchant's billing model for the account
manager, providing more assurance, control, and comfort, and the platform even offers a unique redundancy feature.
"Inovio offers integrations to over 40 different domestic and international acquirers for merchants that require redundancy
across multiple processors," Garcia continued. "Merchants can utilize our gateway to have a single point of access to all of
their processors and payment data." Garcia indicated HBMS prides themselves on being gateway agnostic and will never

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