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Products & Services

Our mission is to help business owners Increase sales by managing their digital presence, manage cost by reducing credit card processing fees and Mitigate Risk by giving you control of your Digital Knowledge and ensuring that you are compliant with PCI and Chip Card regulations.

We stay up to date on the trends and technological breakthroughs to keep you ahead of the curve on credit card payment processing services and merchant service solutions. We’ve compiled the content to help you with everything from determining what type of credit card equipment is best for you to understand how mobile payments fit into your sales process.

Gift Cards

Gift Cards

Gift Cards are customizable close-looped stored value cards that increase ticket lift at the point-of-sale. With sales volume predicted to reach $160 billion by 2018, gift card programs will continue to be a top revenue producing product for merchants of all sizes. Factor4’s gift card programs are designed for any size merchant. Our affordable, effective programs enable merchants to capitalize on the popularity and profitability of gift cards.

Loyalty Cards

Loyalty cards, like gift cards, drive increased foot traffic and customer engagement by rewarding repeat customers. Considering that 87% of consumers stated that they want loyalty programs and 62% of consumers stated that they don’t think the brands they are loyal to do enough to reward them, an opportunity exists for merchants to generate more revenue by offering their customers a loyalty program that rewards them for their repeat business. Factor4’s loyalty programs are customizable to meet the specific needs of companies. Our programs enable merchants to monetize and track customer behavior at the point-of-sale.


E-Cards or digital gift cards are the fastest growing segment of the gift card market with sales expected to exceed $15 billion by 2017. The fact that only 3% of local businesses offer digital gift cards represents an opportunity for forwarding thinking merchants to significantly grow gift card sales via the addition of e-card program. Factor4’s comprehensive solution provides merchants with the ability to deploy a sophisticated digital gift card programmable assigning numbers to sales of gift cards and allowing a customer to redeem for an e-commerce transaction.


Factor4 has a state-of-the-art plastic gift card printer and can turn plastic card reorders around in as little as 24 hours. We have a talented art department ready to assist merchants with designing custom plastic cards that capture the essence of their brands. We also offer predesigned cards for frictionless reordering. Promoting gift card programs with merchandising materials can dramatically increase gift card sales. Furthermore, consumers are more likely to buy a gift card if it includes free packaging. Factor4 offers a variety of gift card merchandising materials including point of purchase signage, display racks, window decals, gift card holders and custom packaging.

Check Resultz

If your business has a check returned NSF your bank will forward the item to Check Resultz on your behalf. We immediately notify you by fax or email that we are in the process of collecting your check. Check Resultz monitors the check writers account daily Öwe never call your customer. When funds are available for your check and our State allowed fee then we electronically debit the NSF check writer’s account and reimburse you for the face value of the check.

Once an NSF check is received, Check Resultz will image the front and back of the check and then enter data about the check writer. Each qualifying check will be converted to an ACH transaction and transmitted to the Federal Reserve on a “hot date,” based upon years of experience and industry statistics. This allows us to maximize the opportunity to collect funds, ensuring faster settlement and a higher rate of collection.

Check Resultz collects the full face value of collected checks at an average success rate of 84% versus an average of approx. 40% when businesses use traditional recovery methods.

Check Resultz will collect the full face value of returned NSF checks your business receives with no equipment to buy, no fees, no volume requirements, and no contracts. In addition, Check Resultz reduces postage and operating costs, expedites research, and streamlines information access. Check Resultz takes over the collection process so you can focus on your business.  

Check Resultz will collect the full face value of returned NSF checks your business receives with no equipment to buy, no fees, no volume requirements, and no contracts. In addition, Check Resultz reduces postage and operating costs, expedites research, and streamlines information access. Check Resultz takes over the collection process so you can focus on your business.  

Digital Marketing

Did you know that over 80% of consumers conduct online research before making a decision to purchase a product? Simply put – your business cannot afford to ignore digital marketing in the industry today. Let us help your company reach its full potential with our digital marketing services/ local listing, mobile-friendly website, and social media so you can focus on what you do best – growing your business.

Inconsistent business location information across online maps, apps, directories, GPS devices, social networks, and search engines costs you real sales. Our service lets you control your company listings across 60+ local listing partners, including Google, Apple Maps, Bing, Facebook, Yahoo and Yelp. Help customers choose you by creating the most complete, rich, and accurate presence on all the search engines, maps, apps and local directories where they search for your business.


Restaurant Mobile Marketing

Restaurant Mobile Marketing Marketing

Would you like to benefit from a beautifully designed website for only $9.99 per month? Do you want to generate more leads by your own mobile-friendly website? Are you interested in a robust online ordering system for only $9.99 per month?

Website + Online Ordering

* $9.99/month (includes creation, unlimited revisions, maintenance hosting & domain)   
* Ready within a few business days
* No Start-up costs and you can cancel anytime

* Online ordering $9.99/ month + 5% of subtotal
* Marketing include (Google ads, email and etc.)
* Robust backend (Reporting, loyalty and feedback)
* Tablet Hardware Included

* Designed for smartphones, tablets, desktops, and everything in between
* Ongoing testing and development to assure you, and your customers, the best experience possible
* Best practices for page speed, and search engine optimization are built in.
* Customize with your logo, colors, fonts, photos, graphics, CSS, and more.




Mobile Pay Solution





ezPay Rewardpay


Cash Discount Program


Q: How does Cash Discounting work?
A: This program is a way for merchants to offset most of the cost of their processing fees. Merchants implement a service fee that applies to all products, and then give a discount to customers who choose to pay with cash. Customers who pay with cash will avoid the additional fees and all others will see a line item added to their receipt. To start using Cash Discount, merchants must post signage alerting customers about the fee applied to all items, and also update their terminal application to add the appropriate fee to transactions. Integrity’s program makes this easy!

Q: Is this program legal?
A: Yes, cash discounting is legal in all 50 states. The Dodd-Frank act prohibits payment card networks “from inhibiting the ability of anyone to provide a discount for payment by cash, checks, debit cards, or credit cards.”*

Q: I’ve never heard of this practice before, is it new?
A: No, businesses have been offering discounts for those who pay with cash for years. In the United States, a lower posted price for cash is very common at gas and service stations across the country.






Q: How do I decide between a flat, per transaction fee and a percentage?
A: Integrity will set that up for you based on your average ticket size. For those businesses with an average ticket below $15, we recomment a flat dollar amount, per transaction fee. For those with a larger than $15 average ticket, 3.99% works best. This process ensures that as much of your processing costs as possible are covered.

Q: Will my customers be upset with this fee and go elsewhere? Won’t I lose business?
A: Not according to other business owners’ experiences. As cash use declines, the hassle of going to an ATM and paying those fees (sometimes north of 5%) is not worth paying a little extra to use a card. 4% (or a small flat fee) on an individual transaction has a small impact to the consumer, but a very significant impact on your cost of doing business. If you explain the cash discount program is a way for you to keep providing quality goods and services without increasing all of your prices, consumers have shown they are willing to keep shopping with you. 

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Secured Card Payments for Your Business.


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