The document provides instructions for running an EPS90 transaction which allows customers to make purchases and pay over time in installments. Key steps include: 1) informing customers about the EPS90 plan and qualifying them, 2) collecting a minimum 15% down payment, setting the payment schedule and transaction fee, 3) filling out an agreement form with customer and payment details, 4) processing the initial payment and scanning future dated checks through the payment terminal, 5) keeping records of the transaction on file. The process guarantees payments for merchants through electronic debiting of customer accounts.

1. EPS - How to run an EPS90 transaction
The first step in running an EPS90 transaction is letting the customer know that
you offer the EPS90 EZ Payment Plan.
"I just wanted to let you folks know that we have just introduced a no credit
check EZ Payment Plan. If you have any questions while you are looking
around, please let me know."
You then need to educate your customers how the program works.
"Our EZ Payment Plan allows you to set up a guaranteed series of payments.
If you are approved you can schedule up to 20 payments over a 90-day
period. You only need to put down a minimum of 15% down today, and we
can work out a payment schedule that you can work with. There are no
interest rates to worry about, because we are not dealing with credit. There
is simply a transaction fee to use the service. It is affordable, flexible and a
responsible way to do business today."
As a business owner, you can determine the amount that the customer is required
to put down as a deposit. The program requires a minimum of 15%, more than that
is up to you. You can also set the program rate to your benefit as well. We
recommend a rate of 10%, but you can vary this to best fit your client base and
your needs. You then need to qualify your customer.
"To use the EZ Payment Plan, you have only 4 qualifications:
• You need to have a state issued id, and a checking account with
commercially imprinted checks.
• You need to show proof of income. This can as simple as a payroll
stub (or if you are retired or self-employed, you can just show a copy
of your bank statement showing regular deposits).
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3. EPS - How to run an EPS90 transaction
• We check your name and your account against a national negative
check file.
• The system ping's your bank account to make sure your account is
open, active, and has at least $50 in it.
Meeting these qualifications, your transaction will be approved.
Next you have to determine the payment schedule, collect the checks dated for
each payment, and fill out the one page 60-second customer agreement.
Sample Customer Invoice
Crestone pillow-top mattress $1,349.99
Sales tax (7.25%) $97.80
Transaction Fee (10%) $134.99
File creation fee (one-time fee) $25.00
TOTAL $1,607.79
Customer wants to make 6 payments - with the first payment of$400 and the balance split
evenly between 5 additional payments, corresponding with his biweekly pay period.
Check 1 May 1 $400.00
Check 2 May 15 $241.56
Check 3 May 29 $241.56
Check 4 etc ...
From check #1, the merchant would net $346.88 ($400 less the $25 file creation fee and the
7.5% discount rate). Checks 2 trough 6, will net the merchant $223.40 ($241.56 less 7.5%).
{Sample Sales Order}
{Fill out checks}
{Fill out Customer Agreement}
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5. EPS - How to run an EPS90 transaction
The customer agreement is a simple and straightforward form. Starting from the
top, fill-in the appropriate information such as the date the agreement is signed,
customer name, business name, description of service, and total price of the
purchase. Using the example from above, let me show you how the table of
payments is filled out.
Number of Check # Base Amount Program Rate Set up Fee Total amount Date to Present
checks in Total Must be in of Check to debit to Check
Sale numeric order account
1 1001 $337.50 10% $25.00 400.00 May 1, 10
2 1002 $217.39 10% - 241.56 Mayl5, 10
3 1003 $217.39 10% - 241.56 May29,10
4 1004 $217.39 10% - 241.56 June5,10
5 1005 $217.39 10% - 241.56 June 12, 10
6 1006 $217.39 10% - 241.56 June 19, 10
Now you are ready to run the first check
1. Make sure the screen on the Nurit reads Check Conversion Amount. If the
screen reads Credit Sale Account, press the green ENTER key until the
screen reads Check Conversion Amount.
2. Enter the amount of the first check (must be at least 15% of the total).
3. The screen will read Enter MICR or use Check Reader.
4. Scan the check through the RDM. (Check must face up with the numbers
along the bottom of the check to the right.)
5. The screen will show l.Personal 2.Payroll
6. Press 1 for personal check.
7. The screen will read SwipelEnter DL Number
8. Eiher swipe the id through the magnetic card reader on the Nurit or type in
the id number.
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6. -

7. EPS - How to run an EPS90 transaction
9. The screen will read Default to (state code) Enter-yes Menu-no
1O.Ifthis is a check from the state listed in the state code, press Enter. If it is
an out-of-state check press Menu, and enter in the appropriate state code.
11.The machine dials out and processes the transaction. The machine will
either approve the transaction or decline it. If the sale is approved, the
machine will print the Merchant Receipt. Present this to the customer to
sign, and keep this in your customer file.
12.Press Enter and the Nurit will print out the customer copy of the receipt.
The next step is to scan all additional checks in the series.
1. The screen will either read Check Conversion Amount or Credit Sale
Amount. Press the green Enter key until you see Scan Check Amount.
2. Enter the amount of the first post-dated check and press Enter.
3. The screen will read Date to Present
4. Enter the date that this check should be debited from the customer's account
in MMJDDIYY format.
5. The screen will read Swipe Check.
6. Scan the check through the RDM. (Check must face up with the numbers
along the bottom of the check to the right.) The check image is stored on the
RDM.
7. The screen will then read Scan another Check? Enter yes Menu no.
S. If you need to process another post-dated check, press Enter, and repeat the
process for each check. If you have completed the series of checks, press
Menu.
9. When all checks have been scanned the terminal will print a report of all
scanned checks.
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9. ...
EPS - How to run an EPS90 transaction
That is all it takes. The transaction is complete.
You need to keep the following in the customer's file to preserve the guarantee:
• A copy of the customer's identification and proof of income.
• The signed and completed Customer Agreement.
• The signed merchant copy of the customer receipt.
• The original checks. (each payment is made electronically - there is no need
to present the checks to your bank).
Our recommendation is that the file for each transaction is kept on file for at least
six months after the final payment is made.
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