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Phoenix, AZ – January 19, 2010

Checkgateway, LLC a leader in ACH and electronic check payment processing has recently announced a renewed focus on marketing customized solutions for web retailers.

Payment processing, specifically credit card processing, typically is one of the biggest expenses for not only brick and mortar businesses but internet retailers as well.

Checkgateway, through its proprietary scoring and fraud detection models, can in most cases build a model to accommodate the fast shipping requirements of web retailers by combining the highest and most effective solutions for fraud detection and prevention with a cost model to limit exposure and decrease the high costs of credit card processing.

Checkgateway has found when a web retailer implements an on line ACH check processing payment solution the savings are very significant.

Checkgateway can build a cost benefit analysis to show small, mid-sized and large internet retailers the benefits of adding electronic checks (e-checks, ACH, EFT).

As we start 2010 the discussions in the board rooms around the World center around controlling expenses and increasing revenue. By adding the Checkgateway solution any business can find reasonable solutions to both of these challenges.

Let Checkgateway do a no cost and no obligation analysis of your current payment processing and forecast what it would mean to your small, mid-size or large business by adding online checks as a payment option. In addition, if you are currently accepting online checks a comparison of services is always a good idea.

Contact:
sales@checkgateway.com
Checkgateway, LLC
480-785-2262

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Phoenix, AZ – November 16, 2009

Checkgateway offering full Software Solutions and Consulting Programs

Checkgateway is now offering full software solutions and consulting programs for Third-Party Senders, ODFI’s, ISO’s, and other Financial Institutions plus many other services and products

For the last 16 plus years Checkgateway has been a leader in electronic payment processing and an extreme innovator of technology. Checkgateway has always been pioneers in their field. As banks, third-party senders, aggregators and large ISO’s grow and enter this space Checkgateway has announced new products and services that until now were never available to the industry.

Checkgateway is proud to announce a complete ACH software platform is available for purchase or through licensing for Third-Party Senders, ODFI’s or any financial institution that needs a solid platform. We have poured through our services and capabilities to provide some of the most comprehensive services in the market today. In addition to offering a complete package for processing we are now offering a variety of other services that have until now been reserved for our processing merchants. Here is a partial list of Checkgateway’s new offerings.

* Software and Technology
This is our most robust offering to date. We can effectively provide any suite of needed service. We have found the needs to vary from client to client and because of this we provide software solutions for minor changes or additions in an existing platform or we can install and provide support for a complete processing platform from start to finish. Our vast library of code gives us extreme flexibility. In addition, we can now offer a customized “white labeled” gateway service to accommodate many specific client needs.

* Collection and Re-presentment
Checkgateway can assist merchants with re-presentment of NSF ACH and Check21 drafts. This can be done automatically at the request of the merchant. In addition, we have resources internally and by contract to help a merchant facilitate their collection needs. Checkgateway can tailor make a custom collection and re-presentment program that will exceed your expectations.

* Customer Service
Checkgateway can provide a variety of customer service packages. Our standard customer service package far exceeds our competitors but if your organization needs a more sophisticated or specialized customer service option, we can help. Speak to us about your specific customer service needs and we will customize a solution that works well for you and your customers.

*Underwriting
For Third-Party Senders, ISO’s, financial institutions and Resellers Checkgateway can provide a variety of underwriting services. We can assist you with rule compliance, underwriting guidelines as well as complete processes and procedures. Underwriting needs are tailored fit for each client to best suit their processing requirements. Speak to your sales agent for more details.

* Risk Mitigation & Management
Checkgateway can integrate a full risk mitigation and management program to meet the needs of any business at any level. From helping start up ISO’s mitigate risk to performing full account analysis and underwriting for large Third-Party Senders or Financial Institutions Checkgateway has the experience, expertise and knowledge to help you put a plan in place.

* Reporting
Checkgateway has a full Development Team in house that can customize reporting to fit the needs of any company of any size. Our “out of the box” reporting is second to none but can be personalized and customized as needed.

* Account Analysis
Depending on the needs of your organization Checkgateway can design and implement an entire program to analyze accounts from a risk stand point to a performance break down. In merchant processing it is imperative you have access to the “numbers”. We are here to provide you with a solution that works for you and your company.

Please contact our office if you have any questions on any of our products. In addition, if you are looking for something that you do not see on our website please call as there is a good chance we may have the right solution for you.

Checkgateway, LLC
480-785-2262

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Phoenix, AZ – June 25, 2009

Staying Ahead of the Curve
The changing economic climate is no longer something affecting only a small number of Americans- the impact of the economic downturn has reached nearly everyone in the country in one way or another. So, for business owners and operators, the focus turns to the impact on consumer behavior. In a recent Nielsen Survey (conducted in February 2009), 63 percent of consumers surveyed said that they had changed or reduced their spending habits due to the new economy.1 Research like this indicates only one thing: consumers are watching the money they spend- and how they’re spending it.

The first thing that’s becoming clear as this fog of economic uncertainty clears is the reduction in credit and debit card usage. In another study conducted in February of this year, nearly half (43 percent) of the consumers surveyed indicated they had reduced their use of credit cards in the last 6 months and 23.5% of those surveyed said they had reduced their usage of debit cards.2 Yet, usage of ACH as a form of payment has continued to grow- with over 18.2 billion transactions run through the ACH (E-Check) network last year alone.3 And why wouldn’t customers turn to ACH? Paying with a checking account costs the consumer much less, as they pay no interest- and it costs the merchant less to accept ACH in the process!

The bottom line is this: businesses need to be on the lookout for trends like these, and adapt to stay ahead of the curve. If your business isn’t offering ACH as a form of payment, you’re missing out on customers each and every day- don’t let your competitors take your customer’s business! Give Checkgateway a call and let us show you all the benefits of our ACH processing service.

All the best,

Joseph R. Gewickey
Senior Partnership Consultant
CheckGateway, LLC

Direct Line: 480.603.0468
Blackberry: 480.290.2456
Office: 480.785.2262, extension 217
Fax: 480.785.2292
15215 S. 48th Street, Suite 145
Phoenix, Arizona 85044

1 Nielsen.com, SportsQuest 2009 report on consumer spending, Feb. 2009
2 Hitachi Consulting, How the Economic Downturn is Impacting Consumer Payments, Feb. 2009
3 NACHA, ACH statistics First Quarter 2009, Jan. 2009

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Phoenix, AZ – May 26, 2009

What Glitters May Not Be Gold
Senate overwhelmingly passed the new Credit Card Reform Bill on Tuesday, marking a landmark change in the way consumers use credit cards. Undoubtedly, it will have a huge effect on the use of all payment cards, for both consumers and business owners. However, while the bill is intended to curtail the excess fees and unethical practices of the credit card industry, there may be some serious backlash that we should consider.

Credit Card companies have long been known as a costly alternative to check payments and cash. Fees and interest structures typically don’t end up playing into the favor of the consumer- if they miss a payment or go over their limit, interest rates can skyrocket, fees can nearly double and access to credit can be locked up completely. To top it all off, they get a nice hit on their credit rating. With this new legislation, credit card companies are required to rein in excess fees, and change several practices that take advantage of consumers.

But let’s not forget- Credit Card companies have been some of the best performing stocks for years, and there’s no doubt they make good money doing what they do. If nothing else, this should show us that these companies are savvy, and are very likely to come out of this legislation in a better position than before. Like it or not, credit card customers should expect a whole litany of new and creative convenience fees in the near future.

Don’t think that this impacts just consumers, though. Business owners who accept Credit or Debit card payments as their primary means of payment processing are going to see a sharp decline in the number of customers paying that way. Without offering alternative payment forms, such as electronic check (ACH), there could be a steep loss of business altogether if consumers start to feel the pinch of credit card companies’ clever practices, in new and interesting ways.

Most of the discussion going around about this bill is speculative. The truth is there is no definitive way to know what outcome there will be from this credit card legislation, but one thing is for sure: offering another form of payment to your customers is a smart way to ensure that if the worst case scenario comes true, your customers, as well as your bottom line, are secured. As for consumers? Well, it’s probably best to keep a close eye on our credit card bills for a while.

Give us a call at 480-785-2262 for more information on ACH processing, and the benefits you and your business will see from offering E-Checks as a form of payment.

All the best,

Joseph R. Gewickey
Senior Partnership Consultant
CheckGateway, LLC

Direct Line: 480.603.0468
Blackberry: 480.290.2456
Office: 480.785.2262, extension 217
Fax: 480.785.2292
15215 S. 48th Street, Suite 145
Phoenix, Arizona 85044

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Phoenix, AZ – May 19, 2009

Adapting to a Changing Market
As consumers all across the country feel the pinch of our changing economy, everyone’s looking for ways to cut costs. Business owners must adapt- and in some cases consider new strategies- in order to turn the potential detriment of a down market into the huge benefit it can be. Simply put, businesses that stay static and keep doing “business as usual” will be trampled by businesses that understand their customers’ needs and concerns, and can adapt to meet them.

With interest rates skyrocketing and convenience fees galore, more and more consumers are making purchases by alternative means instead of using their debit or credit cards. Smart business owners are leaning toward alternative payment methods as well, both to help their bottom line and operating costs, as ACH is far cheaper to a merchant than debit and credit card processing, and to appeal to today’s increasingly frugal customers- you never pay a penny of interest on payments made from a checking account. By offering ACH, which allows businesses to securely, directly and electronically charge their customers checking accounts for payment, they’re benefiting both their businesses and their customers!

The bottom line is this: the more forms of payment a business can offer, the more customers they’ll attract and keep. With the economy the way it is today, it’s crucial to stay flexible, and always adapt to your customer’s needs. For more details about the benefits of ACH processing and what it means to your business, give us a call at 480-785-2262, and let us show you the value of offering the total payment package!

Joseph R. Gewickey
Senior Partnership Consultant
CheckGateway, LLC

Direct Line: 480.603.0468
Blackberry: 480.290.2456
Office: 480.785.2262, extension 217
Fax: 480.785.2292
15215 S. 48th Street, Suite 145
Phoenix, Arizona 85044

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Phoenix, AZ – February 27, 2009

Flexibility of Features Means Easier Payroll Processing
After over 16 years of innovation and experience in the ACH processing world, Checkgateway has implemented a new feature which allows Payroll Processing merchants to designate the processing dates of their debits and/or credits when uploaded via batch.

This great new feature adds to the already incredibly flexible Checkgateway virtual terminal, and is designed to streamline and simplify the batch upload process for our merchants. This is just one of many new features that Checkgateway will be rolling out in the coming months, in an effort to make our already great merchant services even better!

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Phoenix, AZ – February 23, 2009

A Fresh Outlook
With a strong background in sales, finance and consulting, Alex Sidel brings an exciting new energy and a fresh outlook to Checkgateway’s already fantastic family! Alex comes to us with a stunning pedigree from his performance in the Real Estate world, working as a consultant for multi-million dollar public funding projects such as the FBI Building in the heart of Chicago, Illinois and the Ladera Ranch Community in beautiful Orange County, California.

Alex is a huge asset to the Checkgateway team, with his strong management capabilities in business development and an emphasis and focus on business and partner relationships. We look forward to many great things!

Alex joined the team on February 23, 2009.

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Phoenix, AZ – January 1, 2009

A New Mission: From Good to Great
For the last several years Ross owned and was the designated broker for Long Realty Alliance. LRA was the first of many franchises issued by Long Companies based out of Tucson, Arizona, owned by Home Services of America, a Berkshire-Hathaway affiliate. At its peak, Ross led Long Realty to employ over 150 real estate agents and manage nearly 200 properties.

His extensive experience in the business and sales arena brings a unique set of skills and a completely new outlook to the Checkgateway team, energizing and synergizing an already fantastic organization and taking it to even greater heights. We anticipate great new things on the horizon!

Ross officially joined the Checkgateway family January 1, 2009.