Cell Charge(TM) Approved for 'Terminal-Less' Credit Card and Check Guarantee Processing

Market Wire, September, 2004

Cell Charge Inc., a credit card processing and merchant services company located in Westlake Village, CA, has been authorized to offer credit card processing of Visa, MasterCard, Discover, American Express; as well as traditional paper checks, nationwide, simply by using the keypad on any touchtone or cellular telephone.

According to Rick Garboski, President of Cell Charge, "This is a first in the industry. We are the only processor in the United States that provides a simple, user friendly way to process all of the major credit cards and paper checks with only the need of a telephone." This is welcomed news for all small businesses. Traditionally, these small businesses are required to purchase terminal equipment to be able to process credit cards and checks. You add in the extra fees that are associated with accepting credit cards and the contract commitment, and one can see why the vast majority of small businesses opt to not take credit cards. Cell Charge has identified this as a major problem, and turned it into a business opportunity. Cell Charge now provides the ability for any small business to accept all of these transactions, electronically, without the need for the expensive equipment.

Research shows that for any merchant that intends to process less than $7,100 a month in credit card volume, the added cost of a terminal and its associated fees often cannot be justified. Taking the equipment out of the equation now empowers these small businesses the opportunity to process electronic transactions for very little cost and commitment. Instead of these regular monthly fees averaging well over $100 for the ability to process, CellCharge has now brought it down to under $10. Their expanding client base of customers includes handymen, electricians, plumbers, carpet and pool cleaners, taxis, entrepreneurs, swap meet vendors, in-home party consultants, delivery services, fundraisers, as well as independent professionals in the health and beauty industry -- such as hair salon stylists, beauty consultants, nail technicians, make-up artists and massage therapists.

To use the Cell Charge service, the merchant simply dials a toll-free number from any phone, enters his "PIN," the customer's credit card or check information and the amount of the sale. Once approved the transaction is captured and electronically deposited into the merchant's checking account within 24-48 hours. The transaction takes approximately 30 seconds to complete.

For more information on Cell Charge's services or to apply, please visit their website at: www.cellchargemerchant.com

About CellCharge: Cell Charge Processing and Cornerstone Payment Systems are a registered ISO/MSP of Harris Trust and Savings Bank, Buffalo Grove, IL. Cell Charge, Inc is the California-based national sales office of Cell Charge Processing.

Contact: Cell Charge Rick Garboski 1-866-735-5292 Email: info@cellchargemerchant.com www.cellchargemerchant.com