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FARMER'S REAPS CREDIT/DEBIT DATA AT POS

NEWPORT BEACH, Calif. -- Farmer's Market here recently integrated credit- and debit-processing software into its point-of-sale systems at its new Mission Viejo, Calif., store.The software captures credit and debit information at the POS, processes it, creates daily batch reports through the store's personal computer-based system, and then sends that information to the store's processing center or

NEWPORT BEACH, Calif. -- Farmer's Market here recently integrated credit- and debit-processing software into its point-of-sale systems at its new Mission Viejo, Calif., store.

The software captures credit and debit information at the POS, processes it, creates daily batch reports through the store's personal computer-based system, and then sends that information to the store's processing center or bank, explained Todd Lavell, store manager of the three-week-old Mission Viejo unit.

"It's all one report, and it's all batched off one system, not separately. Everything is logged through the register, so it keeps a journal file of everything. It doesn't come off as a separate report off a separate machine," said Lavell.

Though the other two Farmer's Market stores have credit/debit capabilities, they don't use this new software because they don't have PC-based POS systems. Instead, they use a separate, nonintegrated system. For example, at the Newport Beach store, there are up to seven credit-card terminals, each with a separate batch, with separate reports generated for each terminal.

At the Mission Viejo store, however, "It's one simple system. We don't have to batch each terminal to the bank; we batch one [mass report] off the register," said Lavell.

Lavell explained that for the store managers, the integrated software entails less reporting requirements and paperwork, and that it's one step to close down the system and collect all credit and debit information.

"With [the integrated system], in the morning we come in and print out a credit-card batch detail and it's all one thing. It comes right out of the host computer," said Lavell.

Lavell said the retailer plans to bring this software to the other two stores once they adopt PC-based POS systems. "It's something we're looking at for down the road. Our equipment is getting outdated," he said.

The credit/debit software is from IC Verify, Oakland, Calif.