Credit Card Processing Services
We're focused on providing the highest quality Merchant payment processing services using the latest advances in payment technology. All members benefit from our 20+ years of processing experience and a dedicated staff to assist you with all of your processing needs. Check services, ATM/Debit cards, gift cards and full service credit card transaction processing are just some of the resources available to qualified businesses. Not currently processing with Sterling Regional Merchants Services, let us provide your business with a detailed cost analysis. Know of a business not in the association? Refer them to Sterling and we will treat them with the same courtesy. At Sterling, Our Name is Our Reputation. Contact Larry Fiorella at 888-795-1280 for more information.

The FRACCA program highlights are as follows:

• Credit Card processing – An established rate will be given to all members of FRACCA. This rate will be below industry standards.
• Equipment – Processing equipment will be available at wholesale rates. For all service type merchants, we are recommending our latest win-win situation: the ability to swipe all cards using a Nextel phone and an attached adapter. This will result in the merchant always receiving a swiped rate. Immediate credit card authorization at the site. It will no longer be necessary to call the office for authorization or bring a signed receipt to the office to be entered into the terminal.
• Group Health Insurance – If the member chooses to utilize the Credit Card Program, they will be eligible for low cost Group Health Insurance.
• $100 Dues Rebate - For any member that signs-up for the services, Sterling Regional Merchant Services will pay $100 towards you next annual membership dues. For any new member to FRACCA they will pay $100 towards their first year’s dues.
• Chapter Support - Sterling Regional Merchant Services is also providing revenue sharing with our Chapter. A percentage of their profit based on member usage comes back to the Chapter.

Contact Larry Fiorella at 888-795-1280 or visit www.srmerchants.com for more information.

Employee Background Searches
Automated Verification Systems (AVS) is FRACCA’s preferred provider of the VerifyNET service, which provides FRACCA members access to critical information in the databases of a national leader in security reporting. VerifyNET users are able to access data in compliance with the Fair Credit Reporting Act (FCRA).

Benefits for FRACCA members:

• Discounted pricing on background check reports
• NO "set-up" fees
• NO minimum monthly order requirements

AVS provides access to reports that contain vital information to reduce the risk of NEGLIGENT HIRING LAWSUITS due to employees' actions. The reports include sexual offender data in all fifty states, a national criminal history database, access to the federal government's terrorist watch list, the social security database and other criminal checks that can reveal misdemeanors and other records at the local or county level. Name, address, and credit history checks can be done as well. AVS requests that all businesses comply with the Fair Credit Reporting Act requirements when ordering reports on employees or applicants.

To learn more about AVS services go to www.avsbackgroundchecks.com. Note: Prices listed on their website do NOT reflect FRACCA member discount.

To apply for access to VerifyNET services contact FRACCA Representative at 800-918-2863 or download forms here.

Employee Leasing
Employee Leasing through The Barry Scarr Agency, Inc. and Paul Flaig, CIC, as Associate Agent, FRACCA member contractors are able to take advantage of specially priced employee leasing programs that offer numerous benefits, including payroll services, unemployment insurance, job costing, certified payroll, pay as you go - no deposits, no W/C audits and 24 hour insurance certificates. According to The Journal of Accountancy, "more than ever before, CPAs are advising their bottom-line conscious employers to use outsourcing to cut costs and improve efficiency. . . . The obligations and administrative burdens a PEO (Professional Employer Organization) assumes on behalf of its clients are strong incentives for small to medium-size companies to outsource these complex employee, tax, benefit and regulatory compliance areas. These advantages, however, are just part of the benefit PEO client companies realize." See for yourself whether using a PEO is right for your organization.

Contact Paul Flaig at 727-393-5055.

Identity Theft Protection and PrePaid Legal Services
FRACCA has endorsed an identity theft protection program called the Affirmative Defense Response System (ADRS) in response to new federal laws concerning the use and disposal of sensitive customer information and the epidemic problem of identity theft. This program can be implemented at no cost to the company.

Although adopting a comprehensive series of policies and procedures will not prevent every known type of identity theft nor every lawsuit, revising and strengthening company policies will go a long way to minimize the potential for identity theft and limiting employers’ liability if an ID thief strikes.

In addition to the ADRS, FRACCA member companies receive discounted rates for their employees to participate in the Prepaid Legal Services program.

For more information, please contact the FRACCA representative, Bill Snow at 813-454-8391, toll free voice mail at 866-282-0135, or by e-mail at bsnow5@verizon.net.

Worker’s Compensation and Business Liability Insurance
Federated Insurance Companies is the exclusively recommended insurance provider for FRACCA members for the following coverage products: Property & Liability, Workers Compensation, and Financial Protection Services. In addition to providing excellent service and risk management services, Federated provides the ability to avoid gaps in coverage by placing all of your business insurance in the hands of a professional insurance counselor. Federated is unique in that the Marketing Representative distribution system extends through the entire state of Florida for local answers, information and support. Recommended by nearly 400 trade associations nationwide, FRACCA recommends Federated Insurance programs and risk management services to members for following reasons:

• AM Best A+ Superior Rated for Property & Liability and Life Insurance.
• Distribution system. Over 500 Marketing Representatives are located nearby for local expertise, information and support.
• Federated also offers risk management and loss prevention services in addition to estate protection and business continuation strategies. This includes and is not limited to: A regional Risk Consultant, safety presentations, safety videos, risk management materials, and an estate planning attorney network assisting in estate planning and business succession.
• Visit http://www.federatedinsurance.com/fi/Insurance_Products for more information.

For additional information on these and other member benefits, call FRACCA at 727-576-3225