Merchant Services

Merchant Cash Advance

Cash advance is not a loan; it is the purchase of a merchant's credit card receivables at a discount. This give merchants the ability to sell a specific amount of their future credit card sales in exchange for upfront capital now. They can use their capital to grow, build and strengthen their business.

  • No interest rate: The merchant agrees to payback a predetermined amount.
  • No term: The merchant pays a percentage from their daily deposit. The payback time varies with how much or how little their business processes.

Electronic Payment Processing

Merchant Card Processing

Credit card and debit card acceptance

  • Highmark offers a full range of products and services that meet the needs of virtually all business types through Newtek.

Credit card and debit card processing

  • Accept all major credit cards including Visa, MasterCard, American Express, Discover, and Diner's Club.

  • Accept PIN-based and signature-based debit cards.

  • Check conversion - electronically process a paper check as an ACH transaction.

Check Conversion

Check Conversion electronically processes a paper check as an ACH transaction.

Remote Deposit Capture

Remote Deposit Capture is a service that allows a merchant to use a certified RDC scanner to capture images of checks and deposit them electronically. With RDC, merchants can accept all U.S. checks including consumer, corporate, cashiers, third-party and money orders. Both consumer and non-consumer checks are deposited in accordance with Federal Check 21 legislation through a single process without the need for separation of checks.

  • Improved Availability
  • Enhanced Cash Flow from Cash Management Operations
  • Reduced Return Item Risk
  • Reduced Transportation Costs/Convenience
  • Reduced Processing Costs
ACH Processing

For fast, efficient and affordable collections direct from your customers’ checking or savings accounts, there is no better solution for you than electronic payments processed through the Automated Clearing House (ACH). ACH transactions are used for a number of payment applications, and the trend continues to grow every year.

  • Reduce your losses due to insufficient funds
  • Control when the amount is resubmitted
  • Eliminate the need to contact your customer
  • Shorten the time necessary to recover your money
Gift Cards

Gift cards are prepaid purchases that bring customers right to your door. It’s proven that customers spend more than the dollar amount that is on their gift card. If by chance they don’t spend the value of the card, then the remaining value stays on that card and can be used during another visit to your business. Unlike traditional paper gift certificates, no cash back is required.

Merchant benefits:
  • Increased sales
  • Strong Marketing and Promotional Tool
  • Repeat Loyal Customers
  • Easy in-store return policy and elimination of cash back
E-commerce

With e-commerce, you can expand your retail location and sell online which will significantly increase your sales. Your representative will explain each offering and help you determine which is best for your business.

Through Newtek, Highmark’s e-commerce solutions help your business grow and increase your profits with a well-designed, secure, e-commerce enabled website.

We can provide you with the ability to process transactions in any business model:

  • Internet
  • Call center
  • Broadband
  • Wireless
  • Retail
Advantage Club

Expedited Replacement Service (ERS) assures that a non-functioning unit is retrieved and a read-to-go replacement is delivered to your business within 24 hours.

ERS provides the following services:
  • Toll-Free Equipment Diagnostic Desk
  • 24-Hour Replacement of Defective Equipment
  • Customer Care
Added benefits to merchants include:
  • 25% discount on all processing supplies
  • Up to three rolls of free printer paper per month per your request
  • Online reports which allow you to see all of your transactions

With the Newtek Advantage Club, you receive equipment replacement, free supplies, discounted prices and customer care available to you 24 hours a day, 7 days a week, 365 days a year.

E-Check Services

Accept all types of checks (including out of state), reduce bad checks, and increase sales with Check Verification and Check Guarantee.

  • Check verification
  • Check conversion
  • Check Conversion with Guarantee
  • Electronic check recovery and recurring debit

Payroll & Tax Services

For comprehensive payroll and tax management, Highmark offers payroll and tax services through Newtek. Newtek's professionals take responsibility for calculating checks, withholding payments and paying taxes. We also provide complete quarterly and year-end tax reporting. With Newtek Payroll Services you can relax and leave the payroll hassle to the experts!

Newtek Payroll Services include:
  • Payroll management
  • Tax Management
  • Employee Self-Service

Web Hosting Design & Development

Today, having a comprehensive and user-friendly website is crucial for your business. The cost of basic Internet uses, such as simple websites, fits well within the marketing budgets of most businesses.

Take advantage of our Newtek services:

  • Web Hosting
  • Web Design

Data Storage, Backup & Retrieval

Highmark understands that a company is only as good as its data. Which is why Highmark offers a fast, secure and efficient service through Newtek by way of secured state of the art facilities with the most up to date technology.

Product offerings include:

  • Newtek Data Storage Desktop
  • Newtek Data Storage Small Business Edition
  • Newtek Data Storage AutoBack Server
  • Newtek Data Storage Protect