Why convert to our credit card processing?

We'll save you at least 10% off your current processing. If we can't, we'll pay you $50 for your time. Why would we make such an offer?

We're confident we'll save you money. There's more. Since we provide better tools and more robust reporting, you'll save on labor costs as well.

Benefits from processing with Merchant Advisors

• Full disclosure of terms, rates, and fees.
• You can use your current equipment, POS system or payment gateway.
• No disruption of current processing.
• 24 hour merchant support.
• Can have multiple merchant accounts.
• Set-up in 1 to 4 business days.
• No per transaction fee for merchants who process less than 10,000 transactions per month. (Gateway Merchants)

So how are we different?

We educate our merchants. Helping to educate you on good merchant practices & compliance items is critical to maintaining a long term, stable processing relationship regardless of who you process with.

All of our fees are fully disclosed to you and are easy to understand on your merchant reporting.

Your advisor is available at your convenience whenever you need assistance. Our 24 hour merchant support center is only a phone call away.

We make billing and terms simple

What are you really paying for Credit Card processing?

Merchant processing statements can be very difficult to understand. With many providers, this is by design.

They intentionally make the billing difficult in hopes that you'll give into frustration. They know you don't time to search for a new provider.

Most people we've helped didn't have time to spend getting quotes. Once they learned how easy it was to switch to our service and save money, they went with us.

Here's an example of confusing terms

With Merchant Advisors, you'll no longer see the following list of hidden charges in your credit card processing billing statement:

Application Fee - also know as:	Discount Rate - also know as:
Account Set-up Fee	Qualified Rate
Conversion Fee	Bundled/Flat Rate vs. Unbundled
Installation Fee	Interchange
Programming Fee	Interchange Adjustment
Sign-up Fee	Pass-thru
	Cost Plus
	Rate Bill-back
Statement Fee - also know as:	Transaction Fee - also know as:
Customer Service Fee	Item Rate
Maintenance Fee	Authorization Fee
Monthly Service Fee	950 Fee
Bank Fee	Capture/Settlement Fee
Account Fee	Batch/Header Fee
Other Fee	Global/POS-Watts Fee
	Local Auth Fee

Our advisors still review competitor statements with terms that make them ask, - What is this merchant effectively paying?- That's why our terms are fully disclosed and easy to understand.

Even if billing is understood, every April, it's common for Visa and MasterCard to come out with changes in their rate structure known as Interchange. To gain profit, most bankcard providers raise their rates much higher than Visa/MasterCard has announced.

Here's how we can help

Pick up the phone and call us or complete our no obligation inquiry form so we can understand your needs.

Once we contact you, we'll provide you a brief checklist of items we'll need to provide you a services analysis. It should take only 10 minutes to put this together. This would include:

• Previous 3 months processing statements from your current provider(s)
• Your - wish list - of things you-re looking for from a new provider
• A list of your current frustrations.
• A web site address or some marketing overview so we understand the business you-re in.

We'll email a proposal to you within 24 hours.

What's next?

Once you confirm you-re happy with the savings, we'll have one of our dedicated advisors walk you through a few simple forms to get you set up with an account.

Within 24-72 hours we'll email you your approval/welcome email containing all necessary information you'll need to start processing live transactions with us.

A dedicated advisor will help you at every step to make your transition with us smooth and seamless.

Contact us now to simplify your processing and begin saving money.

FAQ

Will my current processing be disrupted?

No. We recommend you continue to process with your current account while you set up and test your new account with us.

Can I have more than one merchant account?

Yes. For many merchants it makes sense to have multiple accounts.

Can I use my current gateway?

In most cases, it's ok to keep your current gateway if your current gateway is certified on the FDMS - Nashville processing platform. If you plan on running multiple merchant ID's, it's typically required to set up a gateway account for each new account you manage. It also helps to reconcile your accounting and settlement particularly if you're running transactions with different providers. As part of our normal set up we will provide you a new gateway account. If you would like to switch your gateway provider or do not have one just let us know. Contact us with any questions you have on this subject.

How long does it take to get set up?

Normal set up takes 1-4 days depending on your monthly volume request and industry risk type.

At which point in the month should I switch my services?

It's best to start processing with your new account on the first day of a new month. Once you're comfortable with your new account it's best to make the switch at the end of the month.

Starting on the first day of the month gives you enough transaction volume to ensure your charge back ratios stay well under Visa/MasterCard charge back threshold of 1%.

What if I'm nearing 1% on my current charge back ratios?

Please contact an Advisor for an in depth charge-back management consultation. Free of charge.

Can I transfer my recurring billings to you?

Yes.

Gateway transaction fees. How are they billed?

Gateway fees are billed directly by the gateway provider and will show as a line item deduction on your business checking account.

We do not charge any per transaction fees for merchants that process less than 10,000 transactions per month.

One of our dedicated financial advisors is ready to help you transition to processing that works for you.