For Merchants Why Merchants Choose Advanced Payment Solutions Implement APS private label or co-branded programs for these unique benefits Increase Sales 99% member approval ratesFlexible repayment schedulesMultiple payment mechanisms – debit or creditEnhanced Marketing Capabilities – Know Your CustomerLow or “No Interest Ever” programs Build Brand Loyalty Branded or Co-Branded options Frequent Shopper and Loyalty progam Save Money Low Processing FeesEliminate Interchange FeesEarn Program FeesReduce cash, check, and bank fees