rate watchdog
credit card processing

Money Saving Tips

Government caps rates on Check Card Transactions. Make sure your rates go down!

On June 29th, 2011, the Federal Reserve ordered a cap on the wholesale cost (Interchange) that Visa/MasterCard and Discover may charge processors for check card transactions.

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Your Credit Card Processing rates just went up again!

MC Announces a rate INCREASE ON all transactions over $1000.00
MasterCard has announced as a late addition to their April price changes an additional assessment fee for all transactions over $1000.00.

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What is PCI Compliance and how does it affect my business?

PCI is short for, The Payment Card Industry Data Security Standard (PCI DSS). PCI is a set of requirements designed to ensure that all companies that process, store or transmit credit card information maintain a secure environment. It is mandated that all credit card processing companies offer a PCI program to their merchant base.

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Reduce your rates by keeping your software up to date

One of the easiest ways to lower your credit card processing fees is to make sure that the software you utilize, be it your credit card terminal, POS system, PC software, or Internet Gateway, is up to date with the latest Visa and MasterCard requirements.

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What are the true rates for credit card processing?

The wholesale cost that all processing companies pay for Visa, MasterCard and Discover transactions is called Interchange. Interchange consists of three parts:

  • Interchange: The percentage rate that is paid to the bank that issued the credit card
  • Fees: The transaction costs that are paid to the bank that issued the credit card
  • Assessments: The percentage rate that paid to Visa, MasterCard, and Discover

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The Myth of Non Qualified Rates

We've all seen them. The postcard that comes in the mail or the flyer strategically placed at the checkout lane of your favorite warehouse club, offering in big letters "Credit Card Processing as Low As X.XX%". Boy, that "As Low As" rate sounds great! What's the catch?

The catch is called Tiered Pricing
The biggest untruth in the credit card processing industry is the use of Tiered Pricing, i.e., Qualified, Mid Qualified, and Non Qualified rates.


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Reduce your fees today on keyed in transactions

The largest area of savings which we find for most merchants is keyed in transactions. In order to qualify for the lowest rates (Interchange), you need the following:

   Proper Account Setup
   Transaction Requirements

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The Straight Rate Program HIGHLIGHTS

One low flat monthly fee!
Process up to 100% of your average monthly Visa/MC/Discover/American Express volume. (Special low rate for extra monthly volume.)

True wholesale rates!
No markup!

Pay only the true published interchange. The same rates processors receive.

No hidden fees!
Simple, 100% transparent program.

No long-term commitment!
Monthly, Annual, and Two year agreements available. Flexible billing options. Free Equipment: With any 2 year agreement for qualified merchants.

All card types!
Experience, professional processing for all credit cards, debit cards and gift cards.

Free equipment!
With any 2-year agreement for qualified merchants. Purchase and rental options available.

Your own support specialist!
Talk to the same person every time you call.

customer service