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Spotlight Innovators

“One of USAePay’s values is to stay ahead of the industry’s compliance initiatives,” Drake continued. “Our efforts to
certify the USAePay gateway technology through every major processor, helps to demonstrate this inherent commitment,
and it enables our partners to easily deploy mobile POS systems regardless of which processing platform the account is
boarded through.”

If you would like to know more about USAePay’s gateway, security standards and/or the latest in our mobile POS
capabilities, we invite you to contact us at 1-866-USAePay or visit https://usaepay.info/.

or over two decades Humboldt Merchant Services
has been the premier provider of credit card pro-
cessing solutions for high-risk or hard-to-place mer-
F chants, offering competitive pricing and first class
service. Combining dedication with knowledge and a primary
focus on customer satisfaction, HBMS has grown to become a
leader in the credit card processing industry. Offering superi-
or processing, and the latest in payment acceptance solutions,
we are at the forefront of innovative payment thinking.
What’s New:
Removing risk as a selling barrier

H ave you ever been unable to board a merchant account due to risk restrictions? Did you have a backup option

for them? Are you currently working with a processor that specializes in underwriting business types that
require extra assurances?

Unless you’re a pro at writing hard-to-place business, you probably aren’t spending much time prospecting companies in
those sectors, or hunting for a capable, risk-friendly service provider. In fact, you may even shy away from hard-to-place
business altogether, simply because you don’t have the right resources at your fingertips to ensure your customer the
boarding experience will be streamlined and uncomplicated.

Hard-to-place is becoming more commonplace
As banks and policymakers continue to tighten up on underwriting restrictions, and different business SIC codes and
operational practices are flagged for specialty underwriting, more and more businesses need a processor that specializes
in supporting unique risk requirements. This also places greater importance on the merchant services selling side of the
equation, since those merchants will be looking to their account representatives to bring them the right solutions.
“We’re seeing a growing number of situations within the industry where accounts have been deemed hard to place,” said
Len Garcia, Vice President of Sales at Humboldt Merchant Services. “It makes our service model at Humboldt even more
valuable to merchants and sales representatives alike as they look for a viable risk-friendly boarding option.”

Humboldt has been dedicated to helping ISOs and payment sales professionals board their most sensitive accounts since
1992. And, in this 25+ year span of specializing in tough-to-write business, they’ve shown an excellent track record for
getting these accounts through an increasingly more stringent underwriting process with little or no friction.
It all comes down to experience

One of the primary reasons Humboldt has been so successful in supporting these unique business types is the universal
processing architecture they’ve put into place to reduce or remove the typical boarding hurdles associated with hard-
to-place accounts. Humboldt offers an agnostic processing platform that is fully integrated with most of the larger card-
not-present gateways, enabling merchants with online business models to swiftly move through a boarding process that
tends to be onerous.
Humboldt is also able to board tough-to-place businesses on their own proprietary gateway, eliminating the red tape of
third party underwriting. This gateway product, branded Inovio in the merchant services market, has special framework
and functionality to economically support accounts requiring a higher degree of risk review and mitigation.

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