Modern contactless payment using a card and terminal, highlighting the ease of digital transactions.

Comprehensive Merchant Services for Every Business Type

At Westchester Merchant Services, we provide complete, customizable payment processing solutions tailored to meet the needs of businesses across all industries. From secure retail terminals and wireless point-of-sale systems to virtual gateways, e-commerce integration, and restaurant-specific tools, we’re your single source for streamlined, reliable, and secure transactions. Our services are designed to help you reduce costs, increase speed, and protect customer data with PCI-compliant technology. Whether you’re a startup or a multi-location enterprise, we bring the technology, support, and flexibility needed to process payments efficiently and professionally, anytime, anywhere.

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Retail

Staying ahead of the competition requires payment processing that is honed, cost effective, and solution – focused Through customization, a retail account with Westchester Merchant Services provides the processing solutions required by your customers. WMS provides the safety and security for every transaction. In turn, your customers will appreciate the versatility and speed that makes any shopping experience convenient and hassle free.

WMS offers retail businesses the latest in state-of-the-art terminal and software technology.
WMS customizes your receipts to fit your retail store’s special niche.
Should any payment problems arise, WMS provides 24/7 access from their experienced retail customer service team.

WMS can provide unique card processing solutions to our retail partners with

Lower Rates – Card payments are processed using the most competitive rates in the industry.
Speed – WMS offers the fastest authorizations of credit and debit cards in the payment service industry.
Reporting – WMS will set up merchants with online access to view accounts.
Versatility – WMS offers cutting edge technology in mobile and wireless payment solutions, allowing you to extend your business beyond the confines of your retail store.
EBT – WMS can customize your payment solutions to include EBT.
Merchant Cash Back Program.

Westchester Merchant Services prides itself as being a “one-stop-shop” for all your retail processing needs. We base our success on your success. Please contact one of our retail specialists today

WMS Offers the Most Secure Card Technology

The extra seconds it takes to process an EMV card are invaluable from a security standpoint. Both you and the customer are better protected with this card’s microchip technology. The microchip is encrypted, so while the card is in your reader, the information passing through is far more secure than with older swipe cards. A card’s chip is significantly more difficult and more costly to counterfeit than the old magnetic stripe

Why use The Chip?

Simply put, you’re better off with chip-enabled equipment and software. A recent nationwide shift to these “chip and PIN” cards as the standard has pushed fraud liability onto merchants. A merchant without chip card technology is liable for any fraudulent transactions resulting from the alternative use of the card’s magnetic stripe. So you not only provide your customers with more accepted payment methods, but you gain additional protection for yourself in the process! The chip has also become the industry standard and, in retail environments, is mandated to be an accepted payment form.

Processing with Card Payment Systems

Westchester Merchant Services integrates the following chip-based technology using hardware from:
Valor, Dejavoo, Pax, Clover and many others (photos of terminals needed here)

With a superior combination of speed and power, these easy-to-read terminals offer quick and reliable payment processing via several connectivity options. Increased memory will support a wide range of value-added applications and EMV smart card transactions. WMS can integrate and customize your platform or gateway with additional hardware options.
At WMS, we offer the card processing equipment and software to keep your payment methods safe and up-to-date, so you can keep your card processing humming and your mind focused on innovation and success!

Virtual Terminals

A virtual terminal is the link merchants need to efficiently accept credit or debit cards online securely from their own computer. If your business aspires to accept credit, debit as payment, Westchester Merchant Services will taper the Payment Gateway that best addresses the specific needs of your particular industry.
As an Authorized reseller of payment gateways, we offer the following virtual terminals; all designed to safely expedite the transition of funds from the customer’s financial institution into yours.

authorize.Net

One of the market’s leading payment gateways, this virtual terminal meets all of your online processing needs without terminal hardware. Pre integrated with close to 100 different shopping carts, all of which are certified as safe and secure, their features include fraud filters, real time balance data and the generation of emails certifying your customer’s receipt of the product or service.

USA Epay

Valor

Specializing in the Retail / Services industry, a virtual terminal that utilizes proprietary software for the safe integration of hundreds of existing shopping carts
At WMS, we will analyze the payment virtual terminal that best suits your specific business needs. When you partner with us, your company will

Process all major card brands.
Receive next day deposits.
Manage risk through data storage and secure, Level 1 PCI compliant payment processing.
Monitor all of the above with a secure password on your website.

Finally, CPS offers expert customer support from an award winning management team. Reliable, friendly and recognized as the best in the industry, we appreciate your business and are always available to help, 24 hours a day, 7 days a week. Let’s build a relationship as we customize the ideal virtual terminal for your block of business!

Wireless & Mobile Terminal Solutions

Benefits for your Business

Westchester Merchant Services mobile POS solutions help you meet the growing demands of the mobile and social media revolution. Our mobile commerce solutions enable you to attract tech savvy customers such as Millennials who are ready to use the microchip technology in their iPhone and Android devices for secure and easy transactions.

Offer safe payment options with wireless POS.
Conduct business on-the-go with wireless terminals.
Accept payments with your smart phone or tablet.
Redeem paperless coupons and Loyalty offers.
Expand existing customer base with leading technology to attract new, young customers.
Our payment solutions are ideal for trade shows, outdoor kiosks, fundraisers and more
Accept payments on the road with multiple mobile, stand-alone terminal options.
Provide the latest in contactless payment options, enabling payment with a simple swipe, wave or tap of a card or mobile device.
E-tickets via smart phones.
Access data to analyze marketing impact and sales performance.

Restaurants

The restaurant business spends trillions of dollars to serve a dollar cup of coffee. As such, the restaurant business is viewed as one of the most difficult endeavors a business can encounter. Westchester Merchant Services recognizes the complications of your restaurant venture and dedicates a team of restaurant savvy professionals to meet your payment processing needs.
The restaurant business is a service-oriented industry. Tips, open bar tabs and gift card processing makes the restaurant business a card processing nightmare. Because of the difficulties endemic to this business, WMS is among your most important partners for trouble shooting and processing versatility. Consider software solutions that can

Add tips to a previously authorized transaction, configuring percentages for your customer’s convenience.
Allow a server to “pad” an order by opening up a bar tab and keeping it open throughout an evening’s festivities.
Utilize wireless solutions for deliveries and curb side pick ups; maintaining processing simplicity for waiters and deliverymen.
Divvy up a dinner bill, bar tab or both; processing multiple credit and debit cards in the payment.
Report an evening’s financial performance with auto batching both printed out accessed online.
Next day funding for immediate access to server’s cash.

Why risk ruining an evening’s perfectly constructed performance with an inexperienced restaurant payment processing service? Whether you own a corner delicatessen, a fast food franchise or a full service steak house, WMS has your recipe for success.

Cash Discount / Dual Pricing Program

Credit card processing can come with hefty fees that are costly for merchants. That is a challenge for businesses with smaller budgets. Interchange fees, swipe fees, and compliance fees can become a financial burden on your business if you have decided to accept credit and debit cards. These fees are the main reason most business owners are going for our cash discount / dual pricing credit card processing programs.
You might be the owner of a small or a big business, but that is not important. The cash discount program comes with numerous benefits. Unfortunately, most business owners do not know what this program is or what it is involved. Many feel this program is not a legal option in their state. For the past few years, Westchester Merchant Services offers a cash discount / dual pricing program as a great option with the most savings, for your merchant account.

What is Cash Discount Program / Dual Pricing?

Cash discount / dual pricing programs enable merchants to offset the credit card processing fees that they incur, so they will see a significant reduction in their processing bill each month.
A cash discount / dual pricing program relates to the methods merchants are applying in their businesses to pass the costs of accepting credit and debit cards to their customers or cardholders. The merchants adjust their posted prices through simple signage in the business location and offer discounts to the customers who make cash purchases. An example of Cash Discount Program is when you see two prices at a gas station.

How it works
A quick example: If you charge 4%, processing fees on all items, the formula will indicate that the services or products you should sell at $100 will retail at $104 unless your customer uses cash. In that case, the customers making cash purchases will only pay the original $100. The totals are reflected on the customer’s receipt. Since your customers pay the fees when using a card for their purchase, the merchant no longer takes on the additional cost for accepting credit and debit cards, as tender. It also places a value back on cash sales!

What are The Benefits of Cash Discount / Dual Pricing Credit Card Processing?

Reduced Fees
The main benefit relates to eliminating or reducing fees associated with credit cards accepted.
Encourages Cash Payment
Even though most individuals prefer card payments, cash discounts incentivize them to use cash instead of debit or credit cards for all their purchases. In other words, the time between the sale and the access to funds is minimal. Such transactions do not involve wait time or processing time for the money to get on the merchant’s hand. Moreover, merchants can eliminate fraud exposure.
Chargeback Reduction
After reducing the number of customers using credit cards in your store, chargebacks will also diminish. If chargebacks have been a massive problem for your store, the decrease might help you minimize the card fees you pay because you will be at a lower risk.
Complete processing fees reduced is essential to most merchants. Merchant level salespeople benefit from the programs due to the above average margins associated with them.
Conclusion
Cash discount / dual pricing implementation in your business will reduce your credit card fees. However, it will be more successful if you follow every rule. By observing all rules, you will be able to avoid penalties and issues related to cash payments. Be ready to evaluate your success programs.
Will a cash discount reduce the monthly processing bills? Yes!
Some merchants will see great savings on their monthly bills. That is because of the variations of interchange prices. Also, Cash Discount / dual pricing programs are not available for Pin Debit. Fortunately, most business owners witness 95-100 percent decrease in their monthly bills. After adopting the program, your monthly statements will show near-zero processing costs for services and goods you sell.

POS Systems

At first glance, a Point Of Sale System ( POS ) is simply the time and place where a business transaction is completed. As your customer’s spending habits change with ever evolving technology, your business is going to need a POS system that is capable of adapting to such change. At WMS, our POS software continues to evolve at an amazing speed.

WMS has been at the forefront of retail software since 2014.
We are authorized resellers of such POS systems as Clover, Dejavoo, QwikPos, 1up & ParadisePOS.
We can integrate with most POS systems currently on the market.
At WMS, we aim to make your POS system a “one-stop-shop” that can access and implement
EMV transactions.
Discounting options.
Promotional packages.
Book keeping.
Checking on deliveries.
Inventory control.
Mobile POS solutions

Our technical support team works with most software providers to ensure that your POS is well integrated and up to speed. At WMS, we know your POS maintains and organizes your entire company. In addition to making your sales fast and hassle free, your POS system can even

Authorize Debit cards and all major card brands.
Offer analytics and other vital information.
Increase security with PCI-compliant payment processing.

CREDIT/DEBIT CARD PROCESSING

At Westchester Merchant Services, we understand that your business is one-of-a-kind and your payment processing needs to be as well. Westchester Merchant Services offers a team of integration specialists that can customize the card processing solution that’s right for you.

A family owned and operated business since 2014, Westchester Merchant Services is a one-stop-shop for all your processing needs. Westchester Merchant Services strives to protect our customers and their data with state-of-the-art secured PCI compliance technology. Our software solutions offer a variety of payment options; thus, presenting the ability to decide what’s best for your business. We offers an array of point-of-sale ( POS ) options that can address the needs in every industry. Westchester Merchant Services prides ourselves with 24/7 customer service because it’s your business, your money, it matters. To us, you matter! Our credit card processing solutions provide and integrate a wide variety of terminal and software options, including the latest mobile and EMV technology. We accommodate existing systems with ease, regardless of your current situation.
We offer:
Seamless integration with POS hardware and software systems.
Acceptance of card-not-present transactions (eCommerce, online gateways, MOTO).
Mobile payment processing.
Hosted payment acceptance forms.
PCI compliance.
Our credit card processing

Accept all major Debit and Credit Cards.
EMV (Europay Credit Card) Chip reader capabilities.
EBT – an electronic system that allows state welfare departments to issue benefits via debit card.
Apple Pay/Samsung Pay.
Google Wallet.
Merchant Cash Advance (MCA).
Same day / Next Day Funding.
Online access to view your merchant account anytime.

Streamline your transactions today with secure, tailored solutions from Westchester Merchant Services experts.