Transaction Processing

	ATH® Network
	Payment Processing
	Cash Processing
	Item Processing

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ATH® Network

The ATH® Network, in its role as the primary electronic funds transfer network in Puerto Rico, Virgin Islands, the Dominican Republic, Costa Rica, and El Salvador, is committed to provide quality service to the participating institutions, its merchants and customers.

The ATH® Network provides gateway services that facilitate access to national and international networks, such as:

• VISA/Plus
• MasterCard/Cirrus
• American Express
• Discover
• NYCE
• QUEST/EBT

ATH® NETWORK SERVICES

Automatic teller machine (ATM) management

• ATM Diebold
• NCR
• Models that emulate ATM Diebold or NCR and use TCP/IP as communication protocol

ATM transactions

• Withdrawal (cash advances)
• Settlement Request
• Deposit*
• Payment*
• Transfer (checking/savings)*
• Refund
• Partial refund
• Prepaid minutes sale
• Postage stamp sale
• PIN change*
• Graphic screens
• Mini account statements

* Only at ATMs of participating Financial Institutions where the client has checking or savings account.

POINT OF SALE MANAGEMENT(POS)

Electronic payment at the POS provides a safe and efficient mechanism to process payments with:

• ATH® Debit Cards
• International Brand Credit Cards
• Gift and Pre-Paid Cards
• Fleet Programs
• Check Conversion to Electronic Methods

In addition, it has the capability to respond and store POS transactions. It also manage the settlement of the Affiliated Merchant through its participating Sponsor.

BENEFITS OF ELECTRONIC TRANSACTIONS

For the Affiliated Merchant:

• Accelerates the process at the cash register
• Reduces the possibility of fraud when requesting a PIN
• Accelerates the availability of funds by crediting the payment, the same working day
• Provides a written transaction summary
• Reduces cash management, therefore reduces the risk of loss due to theft
• Reduces the cost of managing checks: approval, deposit, bounced checks
• Allows you to offer more payment alternatives to your clients
• Increases sales
• Receives instant approval of transactions

For the participating financial institution

As an issuer of ATH® debit cards you receive:

• More value for your ATH® debit card
• Compensation for the bank exchange in each transaction
• Reduction of check transactions
• Reduction of operational costs

As an acquiring bank you:

• Can affiliate merchants to accept purchases via a POS
• Maintain a commercial relationship with the Affiliated Merchant

Certified models

• Hypercom
• VeriFone

POS TRANSACTIONS

We process transactions:

• ATM debit cards
• EBT cards affiliated to the ATH® Network
• VISA
• MasterCard
• American Express
• Discover
• Conversion to electronic checks
• Gift cards
• Vehicle fleet cards

Transaction Types:

• Sales
• Returns
• Cancellations
• Refunds
• Tips
• Daily Deposits
• Account balance (only for EBT cards)
• Purchases plus withdrawal (Cash back)
• Cash only

ELECTRONIC CASH REGISTER MANAGEMENT

The ATH® Network has the capability to process transactions from Electronic Cash Registers (ECR), which process cards via ATH® Connection application. With this application, the ATH® Network provides the necessary programming for processing the transaction. This guarantees that the process complies with the security regulations and requirements established. The Affiliated Merchant is responsible for integrating the application with the front-end at the cash register.

Benefits for the Affiliated Merchant:

• Accelerates the payment process in the cash register
• Reduces cashier errors
• One single receipt for the client
• Eliminates the batch closing process (automatic deposit)
• More space in the payment area
• Savings in phone lines and wiring
• Supports dedicated communication connections
• One single point of contact for services

POS extended service

Participating Sponsors that offer the POS service to Merchants may do so without having to create an installation and maintenance service infrastructure, by using the ATH® Network, which offers its Affiliated Merchants:

• Optional establishment evaluation
• Special installation coordination
• Installation of POS equipment compatible with the ATH® Network system
• Installation and maintenance of the terminal’s programming
• Quality testing and certification
• Supply and restock of materials
• Training
• Help Desk
• Maintenance and repair visits
• Documentation and manuals

Authorization services

EVERTEC’s authorization and database management system acts as a bridge that links multiple computers with the management and records of the merchant’s transactions or exchanges.

• Computer – All approvals are given by the computer. If it is not available, all transactions will be declined.
• Stand-in– If the computer is not available, the ATH® Network will answer based on pre-determined parameters.
• Stand-alone – The processing service provides all approvals. The transactions and approval records are transmitted via data transfers.