Cost Effective

Global Payment Solutions

Making A Difference

International Online Payment Merchant Solutions,

A subsidiary of Schellander & Kim Int’l, Inc.
Making A Difference Page 3
Frequently Asked Questions Page 4
Easy Instructions How to Get Started Page 5
Simple Roadmap to Success! Page 6
The Opportunity Available To You Page 7
Merchant Services Market Page 8
What to Look For – How To Start Page 9
What to ASK the Merchant Page 10
What It Takes To Determine the Savings Page 11
How to Get the Statement Analyzed Page 12
Sample IOPMS Submission Cover Sheet Page 13
What Documents To Prepare Page 14
Retail Merchants Checklist Page 15
AFTER You Receive the Analysis Page 16
Merchant Application Basics Page 17
We Make It Easy For You Page 18
Send Us the Merchant Application Page 19
Final Checklist Page 20
Forms Index Page 21

2
Welcome to an exciting new career
with IOPMS!

We believe in keeping things

simple.

We believe in making a difference.

We believe in TEAMWORK.
We are here FOR YOUR SUCCESS!

And YES, we really mean it.

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1. Is this a MLM company?
NO. We are NOT a multi-level
marketing company.

2. Is there a hidden fee to join this

company?
NO. One does not “join” the
company. And there are NO fees to
work with IOPMS.

3. Can I make a living with IOPMS?

YES. Many people make a living
working in merchant services. But
as with anything else, it does take
dedication and work!

4
Simply read through the following
pages and make note of the
forms used.

You will find copies of the actual

forms for your use in the back of
this training manual.

You may download and print the

forms for your use.

5
1. CREATE a written business plan.

2. Read your plan EVERY day.

3. Know where you are at ANY GIVEN

MOMENT toward your personal
career goals.

4. INVEST in your future by increasing

your knowledge just a little bit more
every single day.

5. BELIEVE in yourself and take pride in

the service you offer!

6
Have you ever stopped to think how
much money is electronically
transmitted around the world?

Virtually EVERY Merchant in business

today accepts credit card
transactions.

MORE people are starting their own

businesses more so than ever before!

EACH one of them is YOUR potential

client!

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VISA Reported the Merchant Services
market in the US alone to be OVER
THREE TRILLION dollars
Report date December 2008

$3,000,000,000,000.00

According to the US Census

Bureau there are 23 million
businesses currently operating
in the United States

8
1. Identify Your Prospects
Any business currently accepting credit
cards or who might consider accepting
credit cards is a prospect.

2. Introduce Yourself Clearly

State your name and explain briefly that you
are an Authorized Sales Agent for
International Online Payments Merchant
Solutions (IOPMS) and would like to provide
the merchant with a price quotation.

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3. ASK:

“Mr./Ms. Merchant,
Do you know what you are
being charged currently?

We will offer you a FREE

analysis of your current
pricing.

If I come can come back and

can offer you 10% or more
in SAVINGS, would you be
prepared to do business
with me?”

YES?
Then ASK for 2-3 months of
their processing
statements.

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 Simple! Just provide us a copy of your most
recent Merchant Statement from Your
Current Merchant Card Provider.

Provide us with your most recent

Merchant Statement and allow
us to perform a detailed analysis!

Determine exactly WHAT you are

being charged and WHY.

Most processors today make it

extremely difficult to decipher
your Merchant Statement.

Other processors include hidden

charges you may not be aware of.

We can help! Our analysis will

reveal exactly what your current
fees and charges are and even
better, what your expected
savings would be with IOPMS!
1. Fill out an IOPMS Submission Cover
Sheet. Fill in the information
requested. Remember to include
your email address.

2. Be sure to write down your Agent

Code# to receive proper credit.
DO NOT write your name.

3. Fax the IOPMS Submission Cover

Sheet and ALL of the pages of the
merchant statement to the
TOLL-FREE fax: (877) 507-7177.

We will email you back the analysis usually

within 3-4 working days.

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13
 It’s easy!
USE the Retail Merchant Checklist!
ASK the merchant to
PROVIDE COPIES of the following:
1. Copy of Driver’s License

2. A Business License or Articles of

Corporation for Corporations (if applicable).

3. Two to Three Months of Merchant

Processing Statements

4. Pre-printed VOIDED Check

5. Information as to what current equipment they

are using.

Explain that when you return with the Analysis,

you will then fill out a Merchant Application.

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15
Return to the Merchant &
Show them their SAVINGS!

Sometimes the savings may not seem like

much, but EVERY BIT will count to a business
business person.

We take pride in being completely open with

our rates…something that the competition is
probably NOT doing!!

Honesty counts for something!

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1. Go to the back of this training
manual and find a copy of the
MERCHANT APPLICATION.

2. Print a copy of the MERCHANT

APPLICATION. It isn’t printed here
because it is too long to print effectively in
this manual.

3. Take time to review the

application and become familiar
with it.

17
Remember when you asked the
merchant if you returned with a
SAVINGS of 10% or more,
whether they would then work
with you?

If the Merchant said “Yes”, then

when we email you the Analysis,
we will also include the Merchant
Application with customized
rates for your specific prospect!
The rates will be filled out on page 2 of the
application – this will help reduce the margin
for errors AND MAKE IT EASIER FOR YOU.

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You can print out the Merchant Application and
handwrite the information onto the form.

BUT if you handwrite onto the form, you will

then need to type the information into the
“live” Merchant Application and email it back
to us.

OR, if you have access to a computer or laptop,

you may enter the info directly onto the
Application while you are at the Merchant’s
place of business. Simply save the file and
email it back to us at: support@iopms.com

IMPORTANT!
Remember to INCLUDE COPIES OF THE
DOCUMENTS from the RETAIL MERCHANT
Checklist and either email or fax these in for
the submission to be complete.

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1. Submit ALL documents from the
Retail Merchant Checklist.
2. Submit a copy of the Retail
Merchant Checklist.
3. Submit a “live” Merchant
Application.
4. Remember to submit a
Cancellation Form if the Merchant
currently has another service
processor.

QUICK APPROVALS Typically it will take

about 24 hours for an account to be
approved and boarded!

That’s it!!
Congratulations!!

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 Forms Index

1. IOPMS Introduction Letter To Be Used With Merchants (1 page)

2. IOPMS Submission Cover Sheet (1 page)

3. Retail Merchant Checklist (1 page)

4. Cynergy Data Merchant Application (5 pages)

5. Notice of Merchant Account Cancellation

 International
Online Payments
Merchant Solutions “IOPMS”

Dear Merchant,

IOPMS is very excited about the prospect of working with you and your business. In order to
safeguard your trust in us, iOPMS takes great pride in offering you our low price guarantee.

IOPMS is a Southern California Based Premier Business Processing Provider. We provide a

comprehensive range of services to small and middle-market companies. Additionally we offer
secure processing solutions in high risk industries, as well as conventional processing solutions
for standard store front retailers and internet based companies. Our commitment is to ensure
merchants the utmost in professionalism and safety in handling their funds.

IOPMS Guarantees we will be able to save your business money on your current merchant
services fees from your current merchant card services provider. We can assist your business in
designing the best processing program for your company. If you are new to accepting credit
cards, our discount rates are extremely competitive and our equipment programs can be
customized to suit your individual needs.

Please fax your most recent processing statement to us at (877) 507-7177 today and receive a
complete and comprehensive side by side rate analysis within 3 days. This allows you a side to
side comparison to see first-hand for yourself where we may save your business money in the
future.

If you have any questions or would like more information on our suite of merchant services
below please contact me at the number below.

Sincerely,

_____________________________ ____(______ )____________________________

Authorized Independent Agent Phone Number
www.IOPMS.com

Making A Difference!
 Credit/Debit/EBT/T & E/Card Processing
 Cash Advance Financing Solutions – up to $150K
 Business Building Gift & Loyalty Cards
 Internet Processing with Secure Payment Gateways
 Touch Screen Point of Sale Computer Systems
 Wireless Solutions Mobil Merchant Pocket POS
 Payroll Processing
 Cash Dispensing ATM Machine Deployment & Service
 Remote Deposit Check Services, Check Guarantee,
Verification and Collection Services
 On-line web based Reporting
 Pre-paid cell phone minutes
 Bill payment solutions
 High Risk Internet Merchant Programs

4607 Lakeview Canyon Road #233, Westlake Village, CA 91361

Phone: (877)507-7977 Fax: (877) 507-7177
IOPMS Submission Cover Sheet

Date ______________________

Agent Code # ____________________________________

Agent’s Telephone Number ________________________

Agent’s Email Address: ________________________

Agent’s Sales Manager Code# ________________________

Name of Prospect Submitted ____________________________________________________

Business Name _______________________________________________________________

Website Name ________________________________________________________________

Number of Months of Processing Statements Submitted ______________

Notes:
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________
______________________________________________________________________________

Please write LEGIBLY so as to facilitate smoother processing and prevent unnecessary delays.
Facsimile Coversheet
Checklist: Please provide this form with every Merchant Application submitted.

DBA: ______________________________________ Agent Name: _________________________

Merchant Application:
□ Signed Completed Legible Application‐ Revision Date 03/18/09 (3 signatures pg. 2 & 5; 2 initials pg. 3 & 4 required)
□ American Express (1 signature pg. 2; if existing, please provide MID)_______________________________________
□ Does Merchant want to accept Discover? If existing Discover Account _____________________________________
□ Pre‐printed Voided Check or Bank Letter for starter or personal checks
□ Copy of Driver’s License (Copy of Social Security card is required for social mismatch reports)
□ 3 months Merchant Statements (if processed before ‐ Consecutive & most current)
□ Business License
□ If Corporation (Articles of Incorporation in lieu of business license)

Retail (AVG ticket of $300 or less and Monthly Volume to $100,000) w/ 80% card swipe
□ Business License
□ If Corporation (Articles of Incorporation in lieu of business license)
□ 501c3 letter (for non‐profit, tax‐exempt organizations)

Mail, Telephone Order & Internet Account – with 20%-100% - keyed transactions
□ MOTO Addendum (20 ‐ 100%) (Please fill out all required areas in detail) (signature required)
□ 3 months Merchant Statements (if processed before ‐ Consecutive & most current)
□ 3 months Bank Statements (Consecutive & most current)
□ Marketing Material (yellow pages ad, product and pricing info, brochure, website address)
□ Copy of an invoice that a merchant may use in a normal course of business
□ Business License
□ If Corporations (Articles of Incorporation in lieu of business license)
□ 501c3 letter (for non‐profit, tax‐exempt organizations)

Equipment:

Terminal Make/Model/Serial Number__________________________________________________________

Pin Pad Make/Model/Serial Number___________________________________________________________

Does Merchant Own/Lease/Rent Machine_______________________________________________________

Does Merchant have more than 1 terminal/pinpad_________________________________________________

How do they process – over the internet/mail phone/face to face_____________________________________

Do they have to interface with any other program or service (EBT, Gift/Loyalty, Quickbooks etc)____________
 Notice of Merchant Account Cancellation

Credit Card Processor Cancellation

To Whom It May Concern:

Please cancel our merchant account currently active with your company/bank; we no longer need the
processing services provided by your company/bank. Any statement fees, monthly minimums, yearly,
cancellation, and/or network fees will no longer be applicable and we will not be responsible for erroneous
billing of such fees after such time as indicated in this notice.

Any questions can be directed in writing to the below address.

ellation Form
Thank you.

Merchant Name and Address: Phone Number:

Merchant Account Information:

Account MID:
Timeframe to Cancel Account:
Reason For Cancellation:
□✔ Immediately □ At End of this Billing Cycle
□ Duplicate Account
□ Insufficient Business to Warrant Use of Services
□ Service Problems □ Rates
□✔ Using Alternate Processor
□ Closed Business
□ Other:

Authorized Representative Acknowledgement:

I acknowledge that I am authorized to act on behalf of the above merchant and that my request for
merchant account cancellation is to be effective as indicated in the “Timeframe to Cancel Account”
section. If no box is checked, the request for cancellation is to be effective the date of this notice or upon
receipt of this notice by your company/bank.

Authorized Signature Date

Signer’s Name (Printed)

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