SPECIAL ANNOUNCEMENT

We are now Merchant Processing Consulting & Training, LLC.

Now the company is a registered agent of several very good credit card processors as well as check and gift card processing. We can not only save merchants money on processing, but offer ECR and POS solutions to get the best technology into your locations.

Causes of high costs for Merchant Processing

0. Qualified Rates
0. Transaction Fees
0. Mid Qualified and Non Qualified Surcharges
0. Rewards Cards
0. Debit Cards
0. Hidden Fees
0. Expensive leases of terminals and other equipment
0. Cashier errors
0. Store policy errors
0. Chargebacks
0. Fraud
0. PCI-DSS Compliance

Solutions:

(1-2) Changing your processor will typically only reduce your qualified rates and transaction fees.

(1-7) An honest sales rep working for one of the best processors (like Electronic Payments Inc., for which owner of Merchant Processing Consulting and Training Bill Pirtle writes) can often reduce charges 1-6 with more flexible programs whether you buy, lease or opt for free equipment. We also have a wireless unit that processes checks in the field.

(1-6, 8-11) Comprehensive Consulting and Training. Cashier errors and store policy errors often cause an otherwise Qualified Transaction to be processed as a Non Qualified transaction. While lower rates will reduce costs slightly, eliminating the errors will eliminate many Non Qualified charges. According to VISA, 74% of retail credit card fraud can be caught when cashiers follow proper card acceptance policy as listed in VISA Guidelines. Following guidelines can also greatly reduce surcharges and chargebacks a business faces. (#7 omitted because a lease is non-cancellable.)

• Downriver and Detroit Business Association- www.dadba.org
• Local Business Network- LBN
• Motor City Connect- MCC
• Royal Oak Chamber of Commerce