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About Western Financial

Who We Are

From our first account to the thousands of clients that we serve around the US and Canada today, Western Financial helps organizations of all types and sizes unlock their business potential.
For years, we've led the way in defining the future of business financial services. We remain
one of the most innovative, diverse, and reputable companies to work with.

We are a comprehensive provider of business financial services that unite Equipment Financing, Working Capital, Business Loans & Lines of Credit, and Merchant Payment Processing.
Our unmatched experience, deep insights, and cutting-edge technology have enabled
our clients to gain strategic business advantages.

Our Mission

Empower organizations with insightful solutions that drive business success

Our Vision

Be a leading authority on helping organizations focus on what matters

Our Values

Integrity

We conduct our business with the highest level of integrity.
We are straight-forward and honor our commitments.

Insightful Expertise

We turn knowledge into insight. Staying on top of our field and ahead
of the curve is how we drive value for our clients.

Service Excellence

We focus on all aspects of the client experience. The strength of our
client relationships is the key to our growth and success.

Inspiring Innovation

We strive for constant improvement, always searching for new and
better ways to serve our clients and grow the business.

Each Person Counts

We believe that each person counts. Each client and employee counts
Each deed counts and each contact between every client and employee counts.
We respect and embrace the diversity of our employees, clients, and business partners.

Results-Driven

We are driven by a strong work ethic that is results-oriented.
We encourage a vision of the end-goal and the steps needed to accomplish it.
By being accountable, we deliver measurable results.

Social Responsibility

We believe in giving back to the communities where we work and live.
We encourage and support our employees' commitment to giving back
and helping improve their communities.

Success Factors

Product Leadership

Western Financial is committed to product exceptionalism - delivering the best solutions to all of our markets ahead of the competition on a consistent basis. We know that new products and services are essential to business growth. They help us to better meet the needs of those we serve, as we attract new clients and grow and strengthen our relationship with our existing clients. Our products and services provide tangible solutions that differentiate us from our competitors. Western Financial's product offerings include streamlined solutions throughout all of our businesses, in addition to traditional service offerings. We are leveraging technology to deliver solutions to an ever-expanding range of prospects. Western Financial Product Exceptionalism, like Service Exceptionalism, not only requires a sustained, enterprise-wide commitment from us, but also is one of the key elements for our future success.

Service Exceptionalism

Western Financial is committed to service exceptionalism. It is at the core of our service culture and will always be the heart of our relationship with our clients. We define Service Exceptionalism as an ongoing journey toward service excellence. Service Exceptionalism challenges us to consistently reset the high bar of our performance levels to meet or exceed the expectations of an ever more competitive marketplace. Western Financial's commitment to Service Exceptionalism begins with the first impression we make on a sales call, how we streamline the process, and how effectively our solutions work. It is a combination of everything we do to create a client relationship and make it flourish. We measure the success of our commitment to Service Exceptionalism through client satisfaction scores and client retention rates. These two key metrics have historically reflected how well we serve our clients. What differentiates Western Financial from the competition? We believe that service demands increasingly higher levels of excellence and there is no level of service today that cannot be further improved tomorrow.

Western Financial

1403 North Batavia St., Ste. 203
Orange, CA 92867
(800) 385-5290

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Fees

Debit Adjustment Fee $5.00/Adjustment Paper Statement Fee $0.00
Dialpay Transaction Fee $0.55/Transaction Technical Support Calls $0.00
Chargeback Fee $12.00/Chargeback Customer Services Calls $0.00
Retrieval Fee $5.00/Retrieval Merchant Monthly Minimum $15.00
Batch Fee $0.07/Batch Welcome Kit $6.50
Online Statements and Reporting $0.50/mo ACH/DBA Change Fee $5.00
Voice Authorization $1.35/Attempt Merchant Training (Only By Request) $15.00
Online Payment Processing Merchant Download¹ $14.00/Download
– One-Time Activation $59.00 PCI Program $55.00/yr
– Gateway Hosting Fee $9.95/mo PCI Non-Compliance Fee $25.00/mo
– Transaction Fee $0.05/Transaction (+ front end transaction fee) Voyager 3.60% + $0.15
– Batch Fee $0.07/Batch Wright Express (WEX) 3.50% + $0.15
Wireless POS ACH Fee $0.02/ACH
– One-Time Activation $40.00/Terminal ACH Reject Fee $25.00
– Gateway Hosting Fee $17.95/Terminal/mo Electronic Benefit Transfer (EBT)
– Transaction Fee $0.09/Transaction (+ front end transaction fee) – Transaction Fee $0.05/Transaction
Mobile POS – EBT ACH $3.00
– Monthly Hosting Fee $9.95/mo – EBT Adjustments $5.00
– Transaction Fee $0.12/Transaction (+ front end transaction fee) Credit Tier II Surcharge 0.05%
Micros Transaction Fee $0.05/Transaction (+ front end transaction fee) Advantage Buyer Program $19.95/mo
Address Verification Fee $0.02/Verification
¹ Does not apply to an initial download of a newly-boarded merchant