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CompanyProfile

Single, comprehensive ISO/MLS contact:
David Leppek
President
infrastructure for acquiring david.leppek@trxservices.com
888-933-8797
www.trxservices.com
ransaction Services LLC (TrxServices), estab-
lished in 2010, created an enterprise-scale tech- the merchant's specific requirements and industries, as
nology suite designed to foster growth and
T improve efficiencies for merchants and mer- follows:
chant acquirers. Headquartered in Newark, Del., with • Customized applications: Mobile and terminal
offices in Denver, the company's mission is to enhance app development, with simple integration and
processing infrastructure and the end-user experience reduced Payment Card Industry Data Security
across the entire merchant lifecycle. "Technology has Standard scope, enables merchants to securely
always been the core of what we do," said TrxServices accept online, in-app and in-person payments. The
founder and President David Leppek. "We developed an company's developers have deep knowledge of
infrastructure that's invisible to consumers, with a cen- payment applications and have written proprietary
tral host to monitor risk, board new accounts and fully applications for major device manufacturers,
automate residual payments and reporting." including Hypercom and Verifone.
• Enhanced reporting: Specialized reporting provides
When he ran the third-party ISO division at First National a single-access view across an enterprise, helping
Merchant Services, Leppek said, 40 analysts monitored users manage multiple locations and data points to
payment card interchange every day, "using spreadsheets gain operational insights in real time.
and doing what computers were made to do." When
FNMS was sold to TSYS in 2010, Leppek decided to • Interchange optimization: A comprehensive
design a company with an ideal working environment. transaction engine provides partners and customers
"Technology is the cornerstone of our business and with clearly defined interchange pricing, chargeback
enables us to be nimble and adaptable," said David Oyler, mitigation and ecommerce fraud protection.
Vice President of Risk Management at TrxServices. "Our • Recurring payments: Payment credentials can
tools and automation facilitate fast, accurate decisions and be securely stored, enabling merchants to process
mitigate risk. It's refreshing to get things done quickly recurring payments without keeping physical credit
and efficiently." card numbers on file.

Vertical industry expertise • Omnichannel payments: The company's hosted
gateway facilitates easy checkout across multiple
Oyler said the company's technical competencies extend payment platforms.
to numerous vertical industries. Areas of specialization • Pricing transparency: The company's interchange-
include small and midsize businesses, cruise lines, self- plus pricing model and next-day funds availability
service and unattended markets, municipal parking provides merchants and service partners with full
services, and retail and hospitality establishments. disclosure and peace of mind.
Merchants appreciate the staff's technical expertise; sales
partners value our detailed residual reporting, he noted. Automated surcharging solution
Following are additional benefits he noted:
• Transactional security: Point-to-point encryption, TrxServices continually updates its knowledge on evolving
rules and regulations regarding merchants' ability to
established in accordance with PCI Security surcharge, which varies by state. This information has been
Standards Council guidelines, protects payment fully integrated into its gateway, enabling participating
card data while keeping it out of merchants' scope. merchants to fully comply with surcharging guidelines
• Secure payment processing: The TrxServices and protocol, Leppek stated. The TrxServices processing
gateway combines store and customer data analytics host determines the payment card type and sends that
with customized reporting capabilities. Its PCI- information back to the POS, Leppek said. If the payment
compliant tokenization process provides merchants method qualifies for surcharging, the required line
with secure payment processing that protects items and disclaimers will automatically appear on the
payment card data on its entire journey from POS cardholder's receipt. Company representatives work with
to processing host. Sensitive credit card data is merchants to ensure that they post appropriate signage
encrypted throughout this entire journey. in accordance with card brand surcharging guidelines.
When TrxServices merchants register for the surcharging
Targeted, customized solutions program, the company sends their information to Visa

TrxServices stated it provides a range of customized and Mastercard to confirm that the right notifications and
products and services to each merchant according to settings are in place.

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