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A Thing
Issue 02:10:02

Driving the Migration from Paper to Electronic Payments

Non-Discount Pricing Trends in the U.S. Market
By Charles Marc Abbey

Industry Leaders:
George Wallner
Hail to the Chief

Company Profiles

Electronic Exchange Systems Processing

SyTec, Inc.


Leasecomm Stops Accepting New Business

How Many ISOs Can Walk through the Eye of a Needle?

Meeting Blazes the Trail of Education, Inspiration for Women in Industry

Looking Through the Glass Ceiling
By Lisa Dowling

With Merger Complete, PayPal CEO Resigns

American Express Retires Green Card

New Products

New Look for Credit Cards

POS Peripheral for Check Conversion

Multifunctional POS Terminal


Giving Great Value

In the Right Place




Resource Guide


Raise Your Hands if You Don't Want to Wait for Commissions

Instant gratification has become the American way, and it's the AmericaOne way, too. AmericaOne Payment Systems, a payment-processing service provider, is offering a first-of-its-kind program for ISOs - 100% instant commissions. No waiting for monthly residuals that might or might not be paid. You make the sale, you get the cash - now.

"With equipment sales getting tighter, the average sale is becoming worth less and less," says David McMackin, President of AmericaOne. "That's why, more and more, ISOs are turning to merchant contracts as the true value of the sale, which the processors have known for years. We are bringing that same value to our ISO channel."

AmericaOne's Merchant Acquisition Program payment is based on the ISO's actual monthly merchant revenues. Those revenues are then applied a multiple that calculates a current market buyout for the ISO. AmericaOne offers a myriad of payment options and buyout multiples based upon the quality and volume of the accounts delivered by the ISO.

For ISOs who are struggling to maintain their position in the competitive marketplace or are looking to future growth might need capital before they expand. AmericaOne's payment options have opened new avenues of funding. The ISO is able to choose a payment structure - upfront cash or monthly residuals - on a merchant-by-merchant basis.

Many ISOs are building portfolios with the hopes of retiring on the residual income generated from the portfolio or from the sale of it when it reaches critical mass. Many ISOs have been disheartened in the last decade as their processing partners have sold their portfolios without properly compensating them.

"AmericaOne's model offers a clear and concise method of payment for the ISO on an upfront basis, providing a fail-safe method of payment," says McMackin. "It is unfortunate that such a large percentage of ISOs are not paid as promised or have not been paid fairly in the past. AmericaOne's Merchant Acquisition Program delivers a solution to this industry paradigm.

"At AmericaOne, we provide all the cash the ISO requires so they can accomplish their growth or exit strategy goals faster, safer and more efficiently than ever before. We bring immediate portfolio liquidity with fair market valuations to the ISO market. With immediate liquidity, ISOs are able to manage and control their financial matters on their terms. That's what we believe is the formula for a win-win relationship."

AmericaOne was founded in 2000 by McMackin and his brother Michael - both veterans of the processing industry - and is located in Cupertino, Calif., in the heart of Silicon Valley.

"The card processing industry is a very lucrative business, and sharing in that wealth with those that contribute to the success of a company is what it should be all about," says David McMackin. "We are very ISO-centered and focused on addressing what they need to be successful. What sets us apart from other processing companies is our upfront cash option and our superior one-on-one service. Our philosophy is to provide the sales offices with personal service that delivers the individual attention and respect they deserve."

At the core of its personal service is the advanced technology AmericaOne possesses - technologies that incorporate sophisticated online reporting for all levels of its operations. AmericaOne has strategic alliances with four major processors - Paymentech, Vital Processing Services, Concord EFS and Global Payments, which all deliver 24/7 expert customer service.

"Paymentech is our primary processing platform, but we are proud of the level of service they all bring to our organization," says David McMackin. "As for our ISOs, we look for experienced and seasoned professionals that possess a high level of integrity."

While finding value in its partners and ISO relationships may become challenging for AmericaOne, successfully running its innovative business model isn't.

"Our challenges have already been met," says David McMackin. "The hardest thing for a company is getting through its first few years and being successful. We've accomplished that, and we are continuing to grow and meet our objectives."

AmericaOne Payment Systems, Inc.
ISO contact:
David McMackin, President
Phone: 888-502-6374

Company address:
10413 Torre Avenue, Suite 500
Cupertino, CA 95014
Phone: 888-502-6374
Fax: 408-904-5301
Web site:

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