30 years as a sales professional, and 7 years expericence in payment processing industry. takes consultave approach in analyzing transactions, deposits, and general acivities of merchant accounts. heartland payment systems partners with community banks to bring competitive payroll, merchant processing, and remote deposit capture options to bank customers. hps is the largest processor that is not affiliated with a large bank, making hps an attractive partner to a smaller community bank. hps has more restaurant and lodging association endorsments than any other processor in the nation. campus cards for colleges and universities offer fundraising opportunities for educational foundations with off campus merchant networking. micro payments offer transactions for vending machines, laundries, and parking. restaurant management doubles annual net income for small and medium sized locations. now offering end to end petroleum transaction processing. specialties: selling complete payroll services and credit card processing, check gaurantee, and gift cards to merchants nationwide. now offering express funds, remote capture deposit of all forms of checks, campus cards for local merchant participation in academic fundraising. in the past i developed new applications for surfactants in herbicide spraying saving farmers thousands of dollars and hundred of hours in farm maintenance.