ACH Disbursements:

• Lower Administrative Costs. Reduce the administrative costs of ongoing check preparation, mailing, and reconciliation, as well as stop-payment and reissue costs for lost or stolen cards.
• Save Money. ACH transactions are less costly than paper items and helps avoid interest and late charges on payments.
• Provide Employee Convenience. Offer convenience and time savings to employees by sending payments directly to their account.
• Better Manage Cash Flow.  Controlled timing of disbursements helps you to know when the account will be debited.
• Reduce Fraud. Eliminate checks that include financial information.
  

ACH Collections:

• Improve Cash Flow Forecasting and Funds Availability. Create payment schedules to time incoming payments.
• Expedite Collection of Receivables. Eliminate mail and check processing float to manage receivables with more predictability
• Minimize Administrative Tasks. Free staff time previously set aside for depositing checks and tracking and collecting late payments.
• Lower Risks. Accelerate return item information, which can be reported as soon as the next business day.

• Extend Your Deposit Window.  Deposit checks 24/7 without incurring costs for staff time and trips to the bank.  Receive email notifications when deposits are received by the bank.
• Improve Cash Flow. Access funds sooner and receive same-day ledger credit for deposits made by 10:30 p.m. CT
• Reduce Administration Costs. Eliminate labor-intensive manual deposit preparation time and decrease research and storage time with access to digital check images.
• Streamline Operations.  Consolidate regional or nationwide deposits to a single account to reduce deposit collection costs, process and reconcile incoming payments faster, and gain a complete view of your receivables.

• Reduce Risk of Fraud. Accelerate check clearing to lower the risk of fraud by enabling your business to identify returned items sooner and enhance the collection process.
• Perform Data and Image Exports. View information, reporting, and images conveniently online. Export data in CSV format for easy import into your accounting system as well as PDF images of the front and backsides of scanned items for record retention.
• Customize Data Entry Fields. Use customizable fields to enter detailed payment information you need to capture.

• Enhance Profitability. Enhance mail processing of receivables and clearing float.
• Reduce Processing Costs. Eliminate deposit preparation, bank trips, and data entry.
• Access Reporting Easily. View deposit detail and reporting online or receive files through transmission or Secure File Transport Protocol (SFTP).

• Improve Customer Service and Response Times. Access convenient online research.
• Increase Audit Controls. Separate the receivables and payables processes and automate posting from daily data files.
• Manage Risks. Help prevent internal fraud and support your business continuity planning for disasters by processing checks externally.

• Maximize Profitability. Collect and post with a faster receivables process.
• Reduce Staff Time Costs. Eliminate deposit preparation and trips to the bank.
• Access Information Easily Online. View daily deposit detail as well as up to seven years of check and invoice images.
• Improve Customer Service. Research customer account information conveniently online for enhanced response times.
  

• Receive Alerts.  Learn about incoming payments (e.g., receipt of large deposit amounts).
• Make Exception Decisions Conveniently. Review exceptions online to make decisions.
• Manage Risks. Help prevent internal fraud and support your business continuity planning for disasters by processing checks externally.

• Enable Customers to Pay at Their Convenience. Accept Visa^®, Mastercard^®, Discover^®, American Express^®, Diner’s Club^®, and JCB card payments with next-day availability if you have an Amegy Bank demand deposit account (DDA)[cite::2516::cite].
• Provide the Latest Technology.  Process Europay, Mastercard, and Visa (EMV) chip card[cite::2518::cite] payments and Near Field Communication (NFC) or contactless payments, such as Apple Pay® [cite::2519::cite], Google Pay™ [cite::2520::cite], and Samsung Pay® [cite::2521::cite]. 
• Choose Options Wisely. Work with our dedicated, knowledgeable Merchant services team to select the best possible products for your specific needs. 
  

• Enhance Your Business Practices and Programs. Take advantage of services that can accompany your payment processing, including gift card and customer loyalty programs as well as access to customer insights and leading online business management and reporting tools.
• Access Convenient Support. Receive 24/7 responsive customer service online and through Merchant Help Desk Support. 

• The Clover^® Solution[cite::2517::cite] – An integrated payment solution that can help you run your businesses more efficiently by combining hardware, software, and cloud-based management and reporting. You can choose from multiple equipment options, including the Clover Station, Clover Mobile, Clover Mini, and Clover Go. Specialized software and apps that are designed specifically for your type of business are also available.
• Point-of-Sale (POS) Terminals – A variety of equipment options to meet multiple card processing needs whether in person, online or via mobile device.
• Clover Online – An all-in-one e-commerce solution to help you establish and manage an online store, set up recurring payments, or use as a virtual terminal.
• Clover Go – A small, portable EMV^® chip card reader and app that accepts payments from an iPhone^®, iPad^®, or Android^™ smartphone.
  
• Clover Check Acceptance – A tool that leverages TeleCheck^® technology to help reduce the risk of accepting customer checks.

• Clover Security – Multi-layer coverage that helps protect customer transaction data as well as your software and hardware, and provides up to $100,000 for card association costs in the event of a data breach (may not apply to all merchants and subject to terms and conditions). This service also includes EMV chip card payment acceptance.
• ClientLine^® Reporting – Online reporting with comprehensive information about your account.
• Clover Insights – An analytics solution that turns your sales information into valuable insights about your business – like what’s selling best, customer spending patterns, or where your customers live.
• Clover Rewards – A sophisticated, customizable loyalty marketing program that connects you with your customers through mobile phones using virtually any POS terminal or system.
• Gyft for Business^® – A gift card platform that allows you to sell mobile gift cards, accept gift card payments from smartphones, issue store credit, and check mobile gift card balances.
  

• Offer Customers More Ways to Pay—Anywhere, Anytime. Accept credit card, gift card, ACH[cite::2125::cite], and e-Check payments online, by phone, and through mobile card readers.
• Enhance Cash Flow Predictability. Automate recurring customer payments.
• Save Time. Send customer emails with convenient click-to-pay invoices—no need to manually generate invoices or track outstanding receivables.
• Accelerate Cash Flow. Decrease days’ sales outstanding (DSO) with a streamlined process.
  

• Reduce Costs. Eliminate the need for paper, envelopes, and stamps.
• Complete Tasks Easily. Create, manage, and report transactions using a simple and intuitive user interface.
• Customize Your Customer Experience. Create and customize payment pages to capture special customer information using the web page template.
• Access Reports. View reports online and export files.
  

• Increase Security. Manage cash efficiently.
• Deposits and cash orders are packaged in tamper-evident bags and transported by armored carrier directly to and from our processing centers.
• Procedures and operations are stringently monitored for the safety and integrity of deposit processing and cash handling.
• Counterfeit detection procedures are incorporated into our process.
• Improve Cash Flow. Receive same-day ledger credit on deposits made by our extended deadlines.
• Reduce Risks. Reduce the time, expense, and security risk associated with delivering deposits to the bank and picking up night depository bags the following day.
  

• Receive Cash and Coin Conveniently and Accurately. Place orders in any volume denomination and eliminate the need for large cash inventories. Pre-established standing orders are also available if you have identified cash usage patterns.
• Access Comprehensive Online Reporting. View reports, including verified deposits by location and deposit slip images, as well as detailed daily, weekly, and monthly reports.
• Streamline Management of Cash Receivables. Consolidate deposits from multiple locations into one account. 

• Enhance Availability. Receive credit for cash deposited into the safe before the cash is delivered to the bank[cite::2524::cite].
• Reduce Risk and Staffing Needs. Eliminate trips to the bank.
• Simplify Cash Handling Procedures. Deposit cash more conveniently, while enhancing staff safety.
• Increase Employee Accountability and Efficiency. Minimize time-intensive, non-core operating tasks such as counting cash, researching discrepancies, and preparing deposits.
• Reduce Internal and External Theft Risks. Lower the amount of accessible cash on hand. 

• Manage Accounts Efficiently. Consolidate deposits to a single account.
• Verify Deposits Immediately. Access real-time, detailed reporting.
  
• Electronically controlled safe counts and validates cash as it is deposited into the safe.
• Manual-drop slot for non-cash items.
• Integrated touch screen.
• Transaction details provide summary report information and an audit trail of user activity.