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Garcia explained there is also more visibility into the merchant's billing model for the account manager, providing more
assurance, control, and comfort, and the platform even offers a unique redundancy feature. "Inovio offers integrations to
over 40 different domestic and international acquirers for merchants that require redundancy across multiple processors,"
Garcia continued. "Merchants can utilize our gateway to have a single point of access to all of their processors and payment
data." Garcia indicated HBMS prides themselves on being gateway agnostic and will never turn away an opportunity
based on incompatibility with a gateway.

They also want merchants to be confident they can transact business anytime. "Our clients are constantly transacting
business every second of the day, and if they aren't able to, it's a major problem," Garcia said. "If the transaction can't get
through one gateway, our solution rolls it through another gateway, and everyone's happy."
Easy migration and onboarding

The front-end authorization network and settlement platform at HBMS gives merchants more flexibility and the capability
to leverage online enrollment, electronic applications, and other easy-to-use onboarding functionality, Garcia also noted.

"I'm excited for our agents to be able to utilize some of these tools in the card-not-present space and for the types of
specialty accounts we support," Garcia said. "We're moving forward to make the boarding and application process as
automated as possible."

Garcia indicated HBMS aims for an activation process without delay. "Everything we've done is designed to make sure the
activation timeline is as short as possible," he said. "From the time we get a signature, we want to move the information as
quickly as possible to get the account approved."

Become an HBMS selling partner
If you're interested in learning more about how to help your clients with integrated payment solutions, and the HBMS
boarding process, please visit www.hbms.com or contact the team directly at 877-387-5642.

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