Partners

EMT partners with and provides solutions from vendors in the point of sale and payment processing industries. We are a committed member of our industry trade associations and keep abreast of ever changing products, services, and government mandates affecting our industry through these affiliations. Our knowledge and know-how is passed along to our customers in the form of unique turn-key solutions for point of sale and payment processing and our well educated staff.

	RSPA stands for Retail Solutions Providers Association. RSPA is the only association dedicated to the retail technology industry. Members include resellers, distributors, hardware manufacturers, software developers, consultants and service providers who bring retail technology solutions to the marketplace.
	The Electronic Transactions Association is an international trade association representing companies who offer electronic transaction processing products and services. The purpose of ETA is to influence, monitor and help shape the merchant acquiring industry by providing leadership through education, advocacy and the exchange of information. ETA's membership spans the breadth of the payments industry, from financial institutions to transaction processors to independent sales organizations (ISOs) to equipment suppliers.
	VeriFone is a global leader in secure electronic payment technologies. Verifone devices and systems process a broad spectrum of payment types including signature and PIN-based debit cards, credit cards, EMV smart cards, contactless, value-added applications, and signature capture. Verifone solutions incorporate existing and emerging technologies, comply with the latest global security standards, and take advantage of the latest connectivity options from GPRS, CDMA, and Wi-Fi to IP and Bluetooth-enabled devices.
	Widely recognized as the global payment technology innovator, Hypercom delivers complete card payment terminal, network access device, server and transaction networking solutions that help merchants and financial institutions generate revenue and increase profits.
	United Bank Card, Inc. (UBC) is a payment and transaction processor serving businesses nationwide. Ranked by the Nilson Report as one of the largest payment processors in the United States, UBC currently handles the merchant accounts for over 110,000 merchant locations and processes in excess of $9 billion annually, with those numbers constantly increasing. UBC provides payment processing services for Visa, MasterCard, Discover Network, American Express, Diners Club, JCB, ATM, debit cards, EBT state and government cards, electronic gift and loyalty cards, as well as a variety of private label and smart card technologies. United Bank Card caters to all avenues of commerce, currently serving retail stores, restaurants, mail order & telephone order, e-commerce, internet, home-based, petroleum, supermarket and lodging merchants. UBC's Support department provides merchants 24/7 support services and is award winning throughout the years.
	Since 1996, Authorize.Net has been a leading provider of payment gateway services, managing the submission of billions of transactions to the processing networks on behalf of merchant customers. Authorize.Net is a solution of CyberSource Corporation, a wholly owned subsidiary of Visa (NYSE: V).

ETA CODE OF ETHICS

The Electronic Transaction Association (ETA) and its members are committed to promoting the highest level of individual professionalism, integrity, and skill in the transaction processing industry. ETA encourages fair, healthy and lawful competition within the industry and amongst its members.

The principles advanced herein foster the tenet that professional relationships based on ethical behavior are critical to the industry’s success and continued growth.

I. Professionalism
Members of the ETA are committed to uncompromising integrity. The cornerstone of the transaction processing industry’s reputation should be personal integrity; with ETA members dedicated to the principles of honesty, excellence, responsibility, compassion, citizenship, fairness and respect. An individual’s success within the transaction processing industry is dependent on trusting relationships.

Members of the ETA shall:

• Exemplify the highest professional standards and business ethics;
• Engage in appropriate competition; utilizing marketing materials that are truthful, in good taste and free of false or exaggerated statements;
• Be aware and comply with antitrust laws; and
• Maintain careful attention to product and service quality, realizing these have a direct and substantial effect on merchants.

Members of the ETA shall not improperly obtain proprietary information from a competitor, nor engage in price-fixing, coercion, collusion or any other illegal act.

II. Knowledge
Members of the ETA value and actively promote a culture of knowledgeable professionals within the electronic transactions industry.

Members of the ETA shall:

• Continuously acquire payment industry expertise, embrace change and respond appropriately;
• Promote ongoing education and knowledge enhancement; and
• Continually research, develop and utilize products and services that drive the industry to higher levels of performance, accuracy and security.

III. Responsibility To Merchants
ETA members shall diligently and honestly promote the best products and services for merchants who accept electronic payments. Members with direct merchant relationships shall advise merchants regularly on changes in the industry, regulations, rules and compliance issues.

Members utilizing sales representatives to call on merchants will take proactive and decisive steps to ensure the clarity of offers and commitments to merchants; will not abuse the trust of merchants; nor exploit the lack of experience or knowledge of merchants. Members will assume responsibility for their sales representatives and ensure sales practices employed adhere to the highest level of professionalism and integrity.

ETA members shall not place their needs and desires above those of the merchant in the performance of work for that merchant.

IV. Security
The very nature of the industry dictates a high level of respect for the confidentiality and protection of electronic transaction data. ETA members hold paramount the responsibility and accountability for the proper use, storage and control of confidential transaction data stored by members.

Members of the ETA shall:

• Take affirmative steps to comply with all industry standards to assure that such information is strictly safeguarded.
• Immediately notify the appropriate authorities and proper industry personnel should they suspect a compromise or breach in security protocols.

V. Business Conducted Between ETA Members
In the course of conducting business in the electronic payment processing industry, ETA members will have intricate relationships with each other in the form of suppliers, customers and service providers. Integrity must underlie all of these relationships.

Members of the ETA shall:

• Treat colleagues and competitors with respect regardless of race, religion, disability, age, or national origin.
• Ensure their sales representatives, contractors and employees are aware and abide by this Code of Ethics.

VI. Impact on ETA
ETA Members shall not engage in any conduct or activity that reflect poorly on the ETA, besmirch ETA’s reputation or otherwise cause embarrassment to the ETA.

VII. ETA’s Role
The ETA will sponsor a committee comprised of its members to address “best practices” in the industry and amongst its membership. The ETA encourages its membership to contact the Best Practices Committee.