LACK OF KNOWLEDGE! Don't take my word for it, it's worth a few moments of your time to review the following questions and come to your own conclusion.

In view of the recent lawsuit against Visa and MasterCard, when was the last time you obtained a qualified professional to perform an audit of your merchant account rates and fees to determine your "effective rate" and insure you are not being over charged?

Did you know - -

• ALL customer receipt copies must only reflect the last 4 or 5 digits of the customer's credit card number and that there is a $10,000 fine for each occurrence that is reported?
• More than 80 % of merchant service providers over charge the business owner to accept Rewards Cards AND over 30 % of Visa and MasterCard's have some type of Rewards attached to them?
• Given the right equipment accepting checks can be safer and less expensive than accepting credit cards?
• "Breakage" and "Ticket Lift" on Gift Cards increases profits?
• Employee theft is the # 1 loss of profit?
• Most, but not all, merchant service providers charge the full Discount Rate when you refund a credit card?

Do you --

• Outsource financing for customers on sales over $1000.00? If so, are more than 70 % approved? Is C and D credit approved?
• Utilize incentives such as a Loyalty Card to motivate them to come back and buy again thereby encouraging customer retention?
• Have a 45 - 90 Day Instant Credit Program available for high ticket items? (All the customer needs is a checking account!)

With the amount of confusing and conflicting information business owners are bombarded with, I decided it's more important than ever to enlighten the business owner. In June of 2006 I began writing a monthly newsletter for the purpose of both educating and assisting business owners on the subject of "merchant services". It is my sincere desire to keep you informed as to what merchant services are available and what questions to ask when confronted with confusing or questionable information. With that understanding in mind, you will be able to make intelligent decisions in regards to any service or program offered.

For those of you who are new to our site, you can now catch up on any previous monthly newsletters you haven't had a chance to read. And so that you are kept informed, I strongly encourage you to take a moment and sign up to receive our FREE monthly newsletter!

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I welcome the opportunity to hear back from you, positive or constructive, so that we can measure our effectiveness in our endeavors. Please feel free to use our online contact form if you have questions about topics you have read or if you would like to suggest topics to be covered in future newsletters. Please provide an email address just in case we need to clarify any comments or suggestions you submitted.


Quite simply, I want the opportunity to earn your business!

Sincerely,

Jim Goodpaster