Products & Services

MLS Direct Network is a cooperative buying network that offers "processor direct" wholesale pricing in the electronic payment industry.

Retail Credit Card Processing

MLS Direct Network represents several of the top five credit card processors in the country including First Data, Concord/Buypass & TSYS (Vital). We are able to integrate with virtually any point of sale software and practically all terminals with these industry leading processors. In addition, these processors offer some of the best technical support in the industry with their state of the art 24/7 helpdesks.

Pin Based Debit Card Processing

Many merchants are eager to save money on their credit card processing and are really pushing this feature. By simply having a customer enter their pin number when paying with a check card the merchant may realize significant savings. Pin based transactions are typically either a flat rate or may have a very small interchange cost. Either way the savings are usually dramatic. We have a strong position in the pin based segment because we have some of the lowest online debit rates in the country. As a rule we strongly recommend our retail merchants to offer a pin based alternative to their customers.

E Commerce/Internet Processing

Not all processors are comfortable with the risk associated with Internet processing. Unfortunately they rarely tell you this when you first sign up with them. This is why it's especially important that you align yourself with a processor that is willing to work with your growing internet company. We represent providers that are industry leaders in the Internet processing arena. They process for some of the largest Internet retailers as well as thousands of upstart companies. We are also direct providers for some of the leading payment gateways such as Verisign, AuthorizeNet, & eProcessing Network.

Cash Advance

Banks are not always friendly or accommodating when it comes to small business lending. A business cash advance is becoming one of the most popular and easiest methods for small business financing. A cash advance through MLS Direct Network gets repaid through future Visa, MasterCard & American Express sales. Other payments received through cash & checks are left with you and only a small percentage of the Visa, MasterCard & American Express payments are used for repayment. There are no fixed payment schedules for business cash advances and they get repaid automatically when the merchant has a credit card sale. If business slows down then the advance is paid back over a longer period. If business is good it gets paid back quicker. Funding received through a business cash advance is not a loan. It is an advance paid against future Visa, MasterCard & American Express receivables. This amount is paid back automatically through the merchant account. The advantage of this type of cash advance is that good credit scores are not required and this type of product does not show up on your personal credit report. Many merchants choose to renew this cash line when they are close to getting it paid off to give them new money for growth and other business needs. A business cash advance can be particularly useful to meet working capital requirements and can be a good alternative to working capital loans. Unlike venture capitalist systems, cash advance business would not take equity ownership of the company and the company is free to use the business cash advance for any usage that they see fit.

ATM

Your Customers are using ATMs. Are you making money when they do? Almost every time someone uses an ATM, they pay a fee. That amount is called a surcharge, and millions of consumers are comfortable paying it. There are billions of ATM transactions performed each year for a fee. Start making money from their convenience! People want the convenience of getting cash at the time and place they need it! By utilizing our ATMs, you can place units in locations that will boost customer traffic, increase per ticket and overall sales, and improve your Per Customer Profit! Plus, since they're using cash you will decrease credit card fees and bad check losses. Where there's an ATM, there's cash spending. Make your customers happy, and MAKE MORE MONEY! Additionally, we provide our customers with web-based, real-time reporting 24/7/365, which allows them to easily balance their terminals whenever it is convenient.

Pay at the Pump Processing

Until a few short years ago most gasoline stations had only one or two options for their petroleum processing needs. MLS Direct Network recognized that there was a strong need for competitive options in this industry and has worked hard to be able to offer quality solutions in this area. MLS now has a great petroleum program and is making significant strides in gaining market share in this area. We can work with most controllers and offer processing opportunities for most fleet cards.

Check Guarantee & Conversion

This is easily one of our fastest growing segments as new Check 21 regulations have sent the check world into a spiral. Checks now clear banks within hours instead of days. Unsuspecting check writers are being rudely awakened to this fact. Bad checks have skyrocketed and merchants have had to adjust quickly. The simplest solution is to set a merchant up on a check guarantee program with automatic deposit or conversion. Once set up, bad checks become a thing of the past. Out of state checks are just as welcome as the check from the bank next door. Merchants can then go back to building their business and not worry about bad checks.

ACH, ARC and Recurring Billing

More and more businesses are realizing that it's better to have their hard earned money in their account instead of sitting in their account receivables file. These three products are transforming cash strapped businesses into efficient billing machines. Merchants don't have to wait 60 and 90 days for their invoices to be paid anymore. Amazingly many of their clients gladly agree to these new billing methods when it's explained correctly and/or they perceive benefit to themselves. We can show you how to transform your broken accounts receivable department into a highly efficient cash collector.

RCK/Check Recovery

Some small ticket merchants under a $35 transaction size may not quite be ready for a guarantee program but don't like being put into the position of collecting small bad checks from their valued clients. Check recovery is a great alternative. Our RCK company will electronically collect bad checks for you and once collected will give you the full face value of the check. They deal with the bad check writer in a friendly professional manner and make their money on the bad check fee from the check writer. You no longer have to be the bad guy to your customers and they'll be more likely to continuing trading with you when they haven't had to deal directly with you on this embarrassing issue.

Gift Cards

Merchants all over the country are excited about the prospect of having their business promoted through a personalized gift card. It becomes their walking billboard reminding their customers to come back every time they open their wallet. It can be one of the most profitable items in their store. The statistics show a trend in favor of gift cards and the benefits to a merchant. We have two gift card programs we can offer our merchants and they can start with as little as 100 cards up to 100,000 custom cards.

Processing Equipment

VeriFone, Lipman and Hypercom are just a few of the national equipment providers we represent. Since our focus is not on selling equipment but rather on providing you with quality processing solutions you'll find our equipment prices are excellent. Don't be fooled by "free equipment" providers. We all know that nothing is for free. I have never seen a merchant select the free equipment program over our wholesale priced equipment when they see how much that "free equipment" is really costing them. Our clients are smart enough to see through the smoke and mirrors and make logical, informed decisions. Let us assist you in determining what will work best in your unique business environment.