Merchant Services

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 NXGEN.

Credit card and debit card processing

  • Accept all major credit cards including Visa, MasterCard, American Express, and Discover.

  • 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

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 NXGEN, 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
Expedited Replacement Service

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 NXGEN's Expedited Replacement Service, 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