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Introduction to PCI Compliance

The Payment Card Industry was formed by the five major card brands (Visa, MasterCard, American Express, Discover and Japan Card) in 2004 to establish a standard set of guidelines around the handling of cardholder data by merchants. These guidelines make up the Payment Card Industry Data Security Standard (PCI DSS) and provide merchants with rules for physical, application and network security, as well as security policy management, which is required of all merchants.

As a valued Mega M LLC customer and a merchant accepting credit and debit cards for payment, you are required to become compliant with the Payment Card Industry Data Security Standards (PCI DSS).

The PCI DSS details security requirements for members, merchants and service providers that store, process, or transmit cardholder data. This means that the processes and applications by which your business processes and handles credit and debit card data must abide by the standards set forth by the PCI Security Standards Council. These standards were established by the major credit card associations.

To demonstrate compliance with the PCI DSS, merchants are required to submit an attestation of compliance annually.

Mega M LLC can assist you in understanding and meeting the requirements needed to validate and maintain PCI compliance. Easy-to use solution makes achieving compliance less complicated.
Compliance program will provide you with access to:

Self-Assessment Questionnaire | Policy Builder | Security Awareness Training | Scanning

Our payment solutions traditional merchant accounts, Cash Discount and Surcharge Programs offered to virtually any type of business:


Retail
Restaurants
E-Commerce
Mail Order / Telephone Order
Petroleum
Convenience Stores
Contractors

Home-based business
Supermarkets
Hospitality / Lodging Businesses
Business to Business
Business to Government
High Risk Merchants
And much more…

In today’s business environment, accepting electronic payments is a must. Recent studies have shown that consumers far prefer credit and debit cards to more traditional forms of payment like cash.
Whether you have a retail storefront, restaurant or kiosk, Mega M can help your business set up a merchant account and equip you with the latest credit card processing technology at affordable prices.
Our PCI-approved payment networks ensure your customer transactions are authorized, settled, and funded efficiently. As one of the nation’s leading payment processors, Mega M handles all activities required to process both credit and debit card transactions. We provide one-stop solutions to payment processing so you can focus on what you do best.


MasterCard™
PIN Based Debit Transactions
American Express, requires separate approval.
Diners Club
Discover, requires separate approval.
Loyalty Cards
EBT Food Stamps
ACH Payments & ACH Collection
Check Processing
Charity Processing
Recurring Billing
Voyager & Wright Express full acquiring and next day funding

Multi-Currency and Dynamic Currency Conversion
Pro Fleet
ATM Processing
JCB, requires separate approval.
Union Pay
E-Wallets
Gift Cards
Next Day Funding
Payroll & Payroll Cards
Convenience Fee Cash Discount Program
Technology Fee Surcharge Program

We offer POS Solutions: PC Legacy, Tablet Cloud based and Smart Technology Counter-Top Terminals and Pin Pads-which make it simple for any business to support payment processing. It turns any PC or Tablet turns into a payment-accepting device, without interfering with other programs. The Windows-based or Tablet application offers intuitive menu screens with action buttons that guide you step-by-step through the program.

Mega M supports a wide range of peripherals, making it easy for you to accept all payment types, including credit, debit, EBT, check processing, gift/loyalty and more. It is dependable and secure, meeting the latest security and data file encryption standards.

Learn more with some detailed examples…

We understand your retail establishment is special. That is why we offer a full range of payment processing products and services, which are specially designed to meet the needs of face-to-face retail establishments. Whether you are a small business owner, or a multi-location chain store we can custom design a Free Point-of-Sale solution to fit your needs.

Do not squander any time setting up your business to start accepting credit cards. With our fast turnaround on applications, you can be set up and accepting credit cards in just less than 24 hours. Our approval rate is 99%, even if you have less-than-perfect credit. Not only will our expert team set you up, but we will provide you with a state-of-the-art POS system and the lowest rates possible.
Whether you are looking to switch providers or are just opening your retail location, let Mega M work with your team to get you the best rates and service possible.

When you choose Mega M, you can make sure that you are giving your customers award-winning performance and flexibility. Our POS Equipment accepts all major credit and debit cards, including: Visa, MasterCard, American Express, Discover, Pin Based Transactions and Checks, among others. Offer your customers digital gift and loyalty card programs that will increase your customer base and keep them coming back to your store. You may qualify for Free Pos Placement and Free Processing with Cash Discount and Surcharge Program, or qualified preferred retail merchant pricing.


Smart POS Technology
High speed processing
Gift and Loyalty card programs

Text message marketing campaigns
Customer management database
ACH and Check Processing Service

We understand the restaurant business and what you require to run a successful enterprise. Restaurants require quick, dependable service, with the utmost attention to detail. That is why we have developed several best in breed restaurant solutions to meet your needs. We offer multiple solutions including pay at the table, curbside processing and delivery pay programs along with traditional programs that include detailed tip reporting, server tracking and online transaction activity details. Let us get your restaurant up and running fast.

Mega M Merchant Services can provide your restaurant with an array of terminal solutions for your specific needs. Whether you own a small diner, a fine dining establishment or a specialty shop we offer processing features for the restaurant industry that will support all major electronic payments.

You may qualify for Free Pos Placement and Free Processing with Cash Discount and Surcharge Program, or qualified preferred restaurant pricing.

Credit Cards
Debit Cards
Gift Cards
Loyalty

ACH Payments & Collection
Check Processing
Charity Processing
PCI Compliance

The restaurant industry encounters many unique situations that your credit card merchant must effortlessly be able to manage.

Mega M can provide your establishment with a merchant account that will accommodate many special situations which occur daily within the restaurant industry. Below are some features that our systems will provide.
Tips can be added after authorization occurs.
A bill from the bar can easily be added to one’s dinner bill for a simple single transaction.
Terminals can be programmed to provide server and table numbers on receipts.
Tracking of transaction activity and tips by a tracking number or name.
Creation of a large range of reports and documentation that will make it easier to track your restaurant business activity.

We Provide and offer Free Placements of:
Restaurant Counter-Top Terminals
Restaurant POS Systems

Restaurants POS software solution is the affordable, easy to use, feature rich, and 100% multi-lingual restaurant point of sale and store management solution. For Restaurants will dramatically reduce your costs and retain guest loyalty.

Our reliable software solution was created with “you” in mind. Why pay a ridiculous amount of money for a solution that is supposed to lower your costs? With Restaurant POS, you make a small investment once and you start saving from the moment you make the choice. Restaurant POS is full of benefits. It is a user-friendly Restaurant POS software that does not require you to know about computers to use it. Ease of use and reliability also makes POS For Restaurants a great solution for high staff turnovers in the restaurant business. Best of all, POS For Restaurants software comes with all the features such as POS, CRM, Inventory, Labor and much more for a valued price. POS For Restaurants will grow with you. The extensive features and flexibility allow you to tailor our solution around your restaurants’ operations. With POS For Restaurants, you will not have to worry about paying more for advanced features that we provide free of charge.

POS for Restaurants is equipped with features that are great to use for small to large restaurants and franchises. You can turn the features on as your business expands, you can have it all for a very affordable price.

Some of the Key Features Include:
100% Touch Operated Point of Sale
Visual Floor Management
Advanced CRM such as Gift Card, House Account, Frequent Buyers
Hostess Features such as Reservations, Waiting List & Guest Paging
Caller ID Integration, MapPoint Integration, Coin Dispenser Integration
Labor & Scheduling Management Menu Recipe Control & Complete Inventory Management

Why waste time walking back and forth to the POS terminal? Restaurant Wireless POS allows your wait staff to send their orders directly from the table to the kitchen in a matter of seconds. No more delays!
Restaurant Wireless POS edition extends the capabilities of our desktop POS. It enables you to create and modify orders via wireless handheld devices at your customer’s table. Restaurant Wireless POS is the ideal expansion to complement your desktop point of sale. Our wireless solution enables your staff to work more efficiently to fulfill customer orders. You will experience better customer satisfaction and improved table turnover as a result.

Some of the Key Features Include:
Create Dine in Orders on Wireless Enabled Pocket PC Devices
Edit Dine in Orders on Wireless Enabled Pocket PC Devices
Print Dine in Orders on Wireless Enabled Pocket PC Device
Create & Edit Take Out or Drive Thru Orders on Wireless Enabled Pocket PC Devices
Easy to Use Order Entry Screen on Wireless Enabled Pocket PC Devices

Your wait staff does not have to worry about making a trip over to the kitchen to drop of their orders. They can place order after order from the tables they are serving. They can also modify the orders through the PDA, so if the customer wants to add additional items to their order after the initial order has been placed, your server can just add through the PDA. Our Wireless system will increase your wait staff’s efficiency and make your service go from good to excellent.

QSR’s and Ghost Kitchen are exploding!
Consumers now prefer to order online; we offer full suite of online ordering build out as well full integration with POS for 3rd party online ordering and deliveries.

For face-to face in store customers who use their check card in lieu of cash and expect their retailer of choice to be able to accept any type of payment they tender. With our QSR program you can quickly checkout customers at your POS with no requirement for signature and no chargeback liability for sales under $25.00. Let our QSR program speed up your checkout line and put a smile on your customers face.

We offer Self-service kiosks digital touch screens at restaurants and cafes that allow customers to place their own orders, rather than placing their order with a waiter or cashier. Most self-service kiosk software is available as a feature of the businesses’ larger point-of-sale (POS) system. However, some free-standing kiosk options integrate with multiple POS systems and online ordering. You may qualify for Free Pos Placement and Free Processing with Cash Discount and Surcharge Program, or qualified preferred merchant pricing.

If you have an online store or own a retail website, you need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers secure option to purchase your products with the click of a mouse 24 hours a day, 7 days a week.
Mega M offers a fully compliant eCommerce merchant account and the ability to process online credit card sales via your website. Our software is easily compatible with most shopping cart systems on the market today.

If you are looking to switch to Mega M from another provider, we have great deals so you can save while seamlessly switching your credit card processing. We offer multiple eCommerce solutions.
The latest, most sophisticated digital encryption is used to transmit information, and direct communication lines are used to obtain real-time authorizations, ensuring the accuracy and validity of each transaction. Plus, merchants get the added convenience of having funds deposited directly into their bank account.

Payment Gateway is your secure connection between your website and the merchant bank processing networks. It is integrated into all major third-party shopping carts, allowing merchants utilizing these carts to process through with a “flick of the switch.”

Payment Gateway also offers online merchants an easy to implement, customizable shopping cart for internet storefronts. It is a simple, yet powerful, integrated shopping cart designed to help merchants increase sales to valuable, hard-earned online shoppers. Combined with a secure real-time credit card transaction processing service, online merchants can continue to take advantage of the unlimited income-generating opportunities available with the explosion of the internet marketplace.

ECOMMERCE PACKAGE INCLUDES
Free shopping cart
Online account manager
Online Remote accessibility
Gift and Loyalty programs
Integration support
ACH and Check Processing Service

With the integrated shopping cart system, no software installation is needed. In addition, our gateway partners have developed the Product Page Generator to assist merchants in creating HTML pages for their website using easy to follow, step-by-step instructions for quick setup. The Product Page Generator conveniently generates an enabled web page with the look-and-feel of the merchant’s own existing website, business model, and products. What does this mean for the online merchant? Simplicity. Online businesses can begin accepting payments via the internet immediately, on an automated basis, 24 hours a day. Payment Gateway also offers merchants the ability to easily utilize shopping carts from existing web pages.

UTILIZE PRODUCTS FROM EXISTING WEB PAGES
Page-specific options to match the look and feel of your online busines.
Product-specific options to clearly describe and sell product.
Advanced shipping charge options
Advanced tax options

Customer visits your website and chooses to buy your product and/or service using the integrated shopping cart.
Customer completes an order form, securely providing credit card payment information.
Order confirmation is immediately sent to you and your customer.
Customer’s credit card is charged, and funds are deposited directly into your bank account.
The transaction appears on the customer’s credit card statement. Convenience for the merchant, ease, and security for the online shopper.
The entire process is simple and convenient to use.
You may qualify for Free Merchant Processing with Technology Fee Surcharge Program.

Travelers are working more hours these days and have precious few hours for leisure. The hospitality industry caters to offering “hassle free” service and entertainment to these leisure travelers. Mega M specializes in the hospitality industry, from single store restaurants to full-service resort complexes we offer POS with such important features as few for example: in-door dinning integration; integrated Order and Pay at the table Tablet; digital gift and loyalty; digital menus and much more… You may qualify for Hospitality Free POS Placement and Free processing with Cash Discount and Surcharge Program.

The Petroleum industry has unique requirements and Mega M has the solution to meet their needs. With gas prices continuing to rise more and more purchases are placed by credit card, with our pay at the pump EMV solution we can quickly authorize, settle, and complete your customer gas purchases. We also offer unique solutions for the Aviation, Fleet Card and Government Sectors. You may qualify for Free POS Placement and Preferred Petroleum Merchant Pricing or even better with Free or partially Free Processing with Cash Discount and Surcharge Program.

The supermarket industry is one of the most competitive on the planet. Our supermarket solutions focus on the reduction of operating expenses – particularly those involving cash handling, check processing and other labor-intensive activities; online ordering build out as well full integration with POS for 3rd party online ordering and deliveries; Electronic EBT and WIC integration. In addition, you may qualify for Free POS Placement and preferred interchange levels through our preferred supermarket program or even better with Free or partially Free processing with Cash Discount and Surcharge Program.

Get the lowest transaction rates with swiped cards while you reduce the likelihood of chargebacks and fraudulent transactions or Free Technology Fee Surcharge Program.
Do you sell products or services at trade shows or conventions? The wireless terminal is perfect for your business.

Accept credit cards anywhere, anytime with a wireless merchant account. Whether you have a service business that works at your customer’s location, or if you take your retail business on the road, wireless processing is an easy and cost-effective way to accept credit cards wherever your customers happen to be.

Before m-commerce solutions became available, collecting funds for orders done “on the road” required people to either pay by cash, check, or write down their credit card information so you could process the transaction later at your office.

The fact is, cash and checks can get lost and credit card information, if not put in a secure place, can get into the wrong hands between the time the information was taken down and the customer’s card was charged. M-commerce solutions have taken a lot of the hassles out of doing business “on the run.”

Secure credit and debit card authorizations within a matter of seconds
Reduced instances of credit card fraud and chargebacks
Improved cash flow

THE CONVENIENCE OF MOBILE
When you choose mobile payment processing from MEGA M, limits no longer apply to your business. You can accept credit card payments ANYWHERE using just your smartphone or tablet. Accept payment from customers anywhere your business goes.

Go wireless to avoid losing business. Use your smartphone or tablet to accept all major credit cards, so your customers can quickly and conveniently provide payment in their preferred form. This mobile payment solution offers the security you expect from MEGA M without the need for cumbersome hardware or a wired connection.

Give customers the flexibility to pay via Credit card, ACH or Check for your mail and telephone business. Quickly and conveniently process “card not present” credit card payments using our mail order payment solution, send invoices with a payment link. Provide excellent customer service by ensuring efficient and secure payment clearing for each transaction.

Choose Mega M for easy and convenient payment processing. It does not matter what your business offers, we have a Mail Order Telephone Order or MOTO payment solution to meet your needs.

Mega M mail order processing solutions give you the ability to accept all payments without needing the card or customer to be present. Improve your mail order sales process with a payment solution from us.
If you have an internet store or own a retail website, you need online credit card processing. With the help of an online merchant account and credit card payment gateway, you can give your customers the option to purchase goods with the click of a mouse 24 hours a day, 7 days a week. Mega M offers a fully compliant eCommerce merchant account and the ability to process online credit card sales via your website. Our software is easily compatible with most shopping cart systems on the market today.
Payment Gateway enables merchants to accept credit cards on a secure, real-time basis from their website, through mobile devices and directly from their place of business. The latest, most sophisticated digital encryption is used to transmit information, and direct communication lines are used to obtain real-time authorizations, ensuring the accuracy and validity of each transaction. Plus, merchants get the added convenience of having funds deposited directly into their bank account. Payment Gateway is your secure connection between your website and the merchant bank processing networks. It is integrated into all major third-party shopping carts, allowing merchants utilizing these carts to process through with a click of the switch.

Payment Gateway also offers easy to implement; invoicing; reporting; recurring payments; data vaulting; customizable shopping cart for internet storefronts. It is a simple, yet powerful, integrated shopping cart designed to help merchants increase sales to valuable, hard-earned online shoppers. Combined with a secure real-time credit card transaction processing service, online merchants can continue to take advantage of the unlimited income-generating opportunities available with the explosion of the internet marketplace. With the integrated shopping cart system, no software installation is needed. In addition, our gateway partners have developed the Product Page Generator to assist merchants in creating HTML pages for their website using easy to follow, step-by-step instructions for quick setup. The Product Page Generator conveniently generates an enabled web page with the look-and-feel of the merchant’s own existing website, business model, and products. What does this mean for the online merchant? Simplicity. Online businesses can begin accepting payments via the internet immediately, on an automated basis, 24 hours a day.

And many other Industries Solutions…

Create a headache free sales experience for your customers while keeping everything running smoothly on the back end.

RECAP
Traditional Merchant Accounts pricing structure
Free Merchant Processing with Cash Discount and Surcharge Programs
24/7 support & customer service
No hidden fees

All Mega M POS solutions feature the latest technology, so you can manage payments safely and efficiently. Our POS systems integrate with any hardware you need to complete your business transactions, including printers, credit card processing terminals, scanners, and weight scales. Schedule customer appointments, create employee schedules, run reports, complete sales transactions, and manage inventory all from our comprehensive POS systems. POS PC Legacy or Cloud Based Free Placements-Sales-Financing: Terminals and Pin Pads; Retail-POS; Self-Kiosk POS; Restaurant-POS; EMV Pay at the Pump POS; Multi Lane POS Solution, and much more…

Online Ordering, 3rd Party Online Ordering and Delivery Integrations

ACH and Check Processing (Although check processing continues to decline it is still the preferred payment method for many consumers. We offer multiple solutions to help you verify, guarantee, and electronically process ACH and Checks for your business including Recurring Payments; Data Vault; Check Guarantee-Verification-Conversion; Back Office Reporting; Remote Deposit Capture; Accounts Receivable ACH and Check Processing; eCommerce ACH and Check Processing. With our ACH and Check processing solution, you are protected against losses and benefit through easier and faster check acceptance at the point of sale.

Mega M is proud to offer the most reliable, multiple ATM solutions. ATM hardware and software are designed as a complete solution and adds value to every transaction.
Mega M is not only committed to providing our customers with reliable ATMs, but also innovative software and marketing and communications solutions that meet the needs of an ever-changing market. Our solutions also effectively and efficiently manage ATM installations, which may include multiple vendors. Mega M’s ATM hardware and software solutions are designed and engineered to be easy to install, operate and service for the lowest cost of ownership. Here is just a sampling of what we have to offer:

Your business has an existing placement or bank ATM producing over 400 withdrawals a month and you are not getting your fair share of the surcharge revenue.
Gas station, C-store or Truck stops with 800+ customers per day.
Grocery stores with 1200+ customers per day
Hotels with 250+ rooms
Casinos and busy Bingo Halls
Amusement Parks with 1500+ customers per day
Foot Traffic area, preferably 2-3 cashiers, 24 hours operation
Restaurants and Night Clubs
Pharmacies
College / University locations with no bank ATMs
Hospitals with 120+ beds

We offer options such as on-screen ads and coupons, which can be downloaded from a computer and featured at specific times on ATMs or transaction receipts customized with specific advertising messages or branding. This type of additional functionality means increased revenues for the ATM owner, which in turn results in lowering the total cost of ATM ownership.

Extremely popular ATM machines designed to be low-cost and high-performance. Our ATMs have proven to be perfectly suited for installations that need functionality and performance at a lower price point. Our ATMs offer unparalleled reliability and many additional features designed to maximize uptime, such as automatic error recovery. Mega M ATMs provide dispensing mechanisms, which incorporates state-of-the-art electronics and a host of features, including a locking cassette. Dollar-for-dollar, they are simply the most cost-effective ATMs in the industry, bar none.

We provide a completely new line of terminals, designed to meet the needs of any financial institution, large or small. We have designs that allow you to easily configure your ATM to match the needs of your customer base today yet be ready for any upgrade in the future. Our ATMs have changed the way people think about ATM reliability. An eye-catching design, coupled with numerous enhancements to meet newly proposed ADA and PIN security requirements, makes the choice clear for any retail ATM deployment. The standard features include ADA-compliant voice guidance, Encrypted Pin Pad (EPP), and a 56K modem. We offer a range of options to custom configure an ATM solution for any location. We also offer an ATM monitoring and management tool via the web, allowing you to receive instant error messages to your email or cell phone, and the ability to review transaction history and cash management reports online.

For the business owner who wants an ATM without the headaches of managing its operation, Mega M has a complete turnkey placement program, all you need to do is supply the space and power; Mega M will do the rest. Under this program, you may be eligible to receive a portion of the profits depending on volume.
If your store falls under one of these categories, we will conduct a short interview, and if qualified, we will install an ATM at no cost to you!
Here is a snapshot of business owners who benefit from our FREE placement program.

Full-service branding programs are also available, offering you a simple and inexpensive way to provide ATM services to your existing customers.

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