tag:blogger.com,1999:blog-18353976766421789962024-03-04T22:00:24.963-08:00Merchant Services BrokersI am Phil Herrington "The Credit Card Guy"...I have been in the merchant service industry since 2001 and I work hard for my customers. I am happy to answer any questions I can about your processing fees. I believe in true customer service which is serving the customer before they are your customer.Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-1835397676642178996.post-81216068433883582262012-08-11T10:36:00.003-07:002012-08-11T10:36:54.614-07:00FREE iPhone SWIPER .....Better than SQUARE<br />
You need to go mobile with your business? Now is the time to sign up for that iPhone thing is to complete FREE until Aug 31st<br /> <br /> Here is the video<br /> <br /> <a href="http://www.facebook.com/l.php?u=http%3A%2F%2Fwww.youtube.com%2Fv%2FHmsW8n-clug&h=wAQHpv8HL&s=1" rel="nofollow nofollow" target="_blank">http://www.youtube.com/v/HmsW8n-clug</a><br /> <br /><div class="text_exposed_show">
Here are the Rates and Fees<br /> <br /> Cell phone option B (Pay as you Go)<br /> • Qualified - 2.69%<br /> • Transaction Fee: - $0<br /> • MOTO (Keyed) - 3.49% plus .19<br /> • Statement Fee: - $ 0<br /> • Monthly Minimum: $ 0.00<br /> • Shipping & Processing Fee (per device): - FREE until Aug 31st<br /> • Batch Fee .0<br /> • No Annual Fee<br /> • FREE Swiper for your Android, iPhone, iPad, Ipod Touch, or BlackBerry Phone)<br /> • App Fee $0<br /> •<br /> <br /> <div style="text-align: center;">
<b><a href="https://apply.phoneswipe.com/?source=13905.2" style="color: blue;">Click Here To Apply NOW</a><br /><br /> Get an approval in just 3-5 mins</b></div>
<br />
If you have ever thought about getting credit card processing for your
iPhone or Android Phone. NOW is the time don't hesitate, CLICK the link
above before August 31st!!</div>Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-5619933619555434152012-05-04T15:50:00.001-07:002012-05-04T15:50:42.281-07:00Got CASH???<table border="0" cellpadding="1" cellspacing="0" style="width: 600px;"><tbody>
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<span style="color: navy; font-family: "Comic Sans MS"; font-size: 20pt;"><b>Got CASH???</b></span></div>
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<span style="color: navy; font-family: "Comic Sans MS"; font-size: 20pt;"><b>Get The Cash You Need Now!!</b></span></div>
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<strong><span style="color: #cc0000;">Phil Herrington "The Credit Card Guy"</span>gives you an opportunity to leverage the greatest untapped asset you have... your future sales!</strong><br /> <br />
The concept is simple. We will simply pay you for your future Credit
Card transactions up front. As transactions roll in we get paid back
with a small fixed % of those daily Credit Card receipts.</div>
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<li>All Closing Costs It </li>
<li>95% approval rate</li>
<li>No collateral needed</li>
<li>Tax deductible</li>
<li>Up to $250,000 in as little as 72 hours</li>
<li>No financial/tax returns required</li>
</ul>
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<li>A-B credit not required</li>
<li>Application or start-up fees in </li>
<li>No hidden fees</li>
<li>Fast approval</li>
<li>Not personally liable</li>
<li>No bills to pay</li>
</ul>
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<span style="color: #663333; font-size: 14pt; font-weight: bold;">PCI Compliance Alert </span></div>
<div align="center" style="margin-bottom: 0px; margin-top: 0px; text-align: center;">
<span style="font-size: 14pt;"><span style="color: #663333; font-weight: bold;">Avoiding Scams</span> </span></div>
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<span style="color: navy; font-size: 11pt;"><span style="color: #003399;">As
you know by now, every business in the US needs to prove that they are
PCI compliant. The manner in which this is done is by filling out a
questionnaire attesting to your compliance. However, there are those out
there that are using PCI as a cover for a scam</span>. </span></div>
<div style="margin: 0in 0in 0pt;">
<br /></div>
<div style="color: #003399; margin: 0in 0in 0pt;">
<span style="text-decoration: underline;"><span style="font-size: 11pt; text-decoration: underline;"><b>Quick Tip</b></span><span style="font-size: 11pt; text-decoration: underline;">: </span></span></div>
<div style="color: #663333; margin: 0in 0in 0pt;">
<span style="font-size: 11pt;">If
you get a letter from someone claiming that your credit card terminal
is not PCI compliant and to call an 800 number, DON'T. Rather, call me
at 1-877-500-PHIL (7445).</span></div>
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<span style="font-size: 11pt;">It has come to my attention that there are companies out there sending letters</span><span style="font-size: 11pt;"> and calling </span><span style="font-size: 11pt;">merchants
claiming that their terminal is no longer PCI compliant, even
providing a list of terminals that fall under their claim. The reality
is that if you call the 800 number and receive a new terminal, you most
likely just switched processors without evening knowing it and could
be caught in a long term contract with a devastating termination fee. </span></div>
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<br /></div>
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<span style="font-size: 11pt;">The
processors I work with ensures that all of the programming downloaded
into its terminals is PCI Compliant. The check and balance comes from
the processor who builds the file. There are very few terminals in the
marketplace that are non-compliant. Any </span><span style="font-size: 11pt;">potentially </span><span style="font-size: 11pt;">non-compliant terminal would have been manufactured over 10 years ago. </span></div>
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<span style="text-decoration: underline;"><span style="font-size: 11pt; text-decoration: underline;"><b>Quick Tip</b></span><span style="font-size: 11pt; text-decoration: underline;">: </span></span></div>
<div style="color: #663333; margin-bottom: 0px; margin-top: 0px;">
<span style="font-size: 11pt;">Always contact me Phil Herrington at 1-877-500-PHIL (7445) in regarding any unsolicited request to make any </span><span style="font-size: 11pt;">change to your terminal</span><span style="font-size: 11pt;">.</span></div>
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<span style="color: navy; font-size: 11pt;"> </span> </div>
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<strong>Credit Card Processing Basics</strong></div>
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<div style="color: #003399; font-family: Arial,Helvetica,sans-serif; font-size: 11pt; margin-bottom: 0px; margin-top: 0px;">
<em>Are you doing all that you can to ensure the lowest possible processing rates? </em> </div>
<br /><div style="color: #333333; font-family: Arial,Helvetica,sans-serif; font-size: 11pt; margin-bottom: 0px; margin-top: 0px;">
<strong>March Featured Tip: Address Verification (AVS)</strong> </div>
<br /><div style="color: #003399; font-size: 11pt; margin-bottom: 0px; margin-top: 0px;">
<em><strong>"Visa
requires that you provide Address, Zip Code and Order number every
time you manually enter a transaction into your system or you will pay
higher processing rates." </strong></em></div>
<div style="color: #003399; font-size: 11pt; margin-bottom: 0px; margin-top: 0px;">
<br /></div>
<div style="color: #003399; font-size: 11pt; margin-bottom: 0px; margin-top: 0px;">
The reality is that there is greater risk <span>associated</span>
with a manually entered transaction versus a swipe transaction.
Therefore, Visa asks that all merchants provide them with some
additional information to help prove the validity of a charge. AVS is
matched against what is registered at the card issuing bank and a
response is sent back to your point of sale. Add the CVV Security code
to the mix and that will help against Chargebacks.</div>
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<tr><td align="left" colspan="1" rowspan="1" style="color: #285685; font-family: Verdana,Geneva,Arial,Helvetica,sans-serif; font-size: 8pt; text-align: left;"><span style="font-weight: bold;">Sincerely,</span><br /><br /><span style="color: black;">Phil Herrington <span style="color: blue; font-size: 10pt;">"The Credit Card Guy"</span></span><br /><span style="color: black;">Merchant Services Brokers </span><br /><span style="color: black;"> LOCAL: 316-771-7405</span><br /><span style="color: red; font-family: Comic Sans MS,Verdana,Helvetica,sans-serif; font-size: 10pt; font-weight: bold;"><br /><span style="color: blue;">1-877-500-PHIL (7445)</span></span><span style="font-size: 10pt;"><br /><span style="color: black;">1-877-FAX-PHIL (329-7445)</span><br /> </span><br /><a href="mailto:thecreditcardguy@gmail.com" shape="rect" style="color: black;" target="_blank">thecreditcardguy@gmail.com</a><span><br /><a href="http://r20.rs6.net/tn.jsp?e=0011Ce4jzE87_W1uBYteHd-8GabCplwemJ8xQ81MjU4CG6er8IoyYKssh4NsgSSatz06gb3tKJyhfLCNInuAJ12odkuCkEDRfUsnJh-wKCUGR8HqxunJKtdIA==" shape="rect" style="color: blue;" target="_blank">www.philherrington.com </a><br /><br /><span style="color: red; font-family: Comic Sans MS,Verdana,Helvetica,sans-serif; font-size: 12pt;">Please <span style="color: black;">Forward</span> to <span style="color: black;">3-5</span> of <span style="color: black;">your</span> Business <span style="color: black;">Associates</span> that <span style="color: black;">need</span> to<span style="color: black;"> save</span> money<span style="color: black;">!!</span></span><br /> </span></td></tr>
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<tr><td align="center" colspan="1" rowspan="1" style="color: #285685; font-family: Verdana,Geneva,Arial,Helvetica,sans-serif; font-size: 8pt; padding-left: 3px; padding-right: 3px; padding-top: 10px; text-align: center;"><span style="font-family: Arial,Helvetica,sans-serif; font-size: 12pt; font-weight: bold;">Get $50 Cash <br />for <span style="color: black;">Any New Signed Contract</span> you send me!!</span><br /><br /><div style="text-align: center;">
<span style="color: #cc0000; font-family: Arial,Helvetica,sans-serif; font-size: 18pt; font-weight: bold;">Who </span><br /><span style="color: #0000cc; font-family: Arial,Helvetica,sans-serif; font-size: 18pt; font-weight: bold;">Do </span><br /><span style="color: #cc0000; font-family: Arial,Helvetica,sans-serif; font-size: 18pt; font-weight: bold;">You </span><br /><span style="color: #cc0000; font-family: Arial,Helvetica,sans-serif; font-size: 18pt; font-weight: bold;"><span style="color: #0000cc;">Know</span>?</span><br /><br /><span style="color: red; font-family: Comic Sans MS,Verdana,Helvetica,sans-serif; font-size: 12pt;">Please <span style="color: black;">Forward</span> to <span style="color: black;">3-5</span> of <span style="color: black;">your</span> Business <span style="color: black;">Associates</span> that <span style="color: black;">need</span> to<span style="color: black;"> save</span> money<span style="color: black;">!!</span></span></div>
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<div style="color: blue; font-weight: bold; margin-bottom: 0px; margin-top: 0px;">
<span style="font-size: 14pt;">Cookie Lee Jewelry</span></div>
<div style="margin-bottom: 0px; margin-top: 0px;">
<span style="font-size: 12pt;"><span style="font-size: 10pt;">As a new business owner I am extremely impressed with Phil's level of<br />customer service and his commitment to keeping his customers happy. I'm<br />pleased with my credit card machine and how easy it was to set up.<br />Phil made sure all my questions were answered and I know if I need</span><br /><span style="font-size: 10pt;">anything or have any concerns that I can contact him and will receive a<br />quick response. I looked around, and his rates as well as service cannot</span><br /><span style="font-size: 10pt;">be beat.</span></span></div>
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<span style="font-size: 10pt;">-Fe</span></div>
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<tr><td align="center" colspan="1" rowspan="1" style="color: #285685; font-family: Verdana,Geneva,Arial,Helvetica,sans-serif; font-size: 8pt; padding-left: 3px; padding-right: 3px; padding-top: 10px; text-align: center;"><span style="color: black;">If you would like an</span><br /><span style="color: black;"> immediate <span style="font-weight: bold;">proposal,</span></span><br /><span style="color: black;"> fax your last </span><br /><span style="color: black;"> month's statement to</span><br /><span style="color: black;"> <span style="font-size: 10pt; font-weight: bold;">1-877-FAX-PHIL</span></span><span style="font-size: 10pt; font-weight: bold;"> <span style="color: black;"> <span style="color: #000099;">(329-7445)</span></span></span><br /> <br /><span style="color: red; font-family: Comic Sans MS,Verdana,Helvetica,sans-serif; font-size: 12pt;">Please <span style="color: black;">Forward</span> to <span style="color: black;">3-5</span> of <span style="color: black;">your</span> Business <span style="color: black;">Associates</span> that <span style="color: black;">need</span> to<span style="color: black;"> save</span> money<span style="color: black;">!!</span></span></td></tr>
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<span style="color: black; font-family: tahoma,sans-serif; font-size: xx-small;">Merchant Services Brokers<span style="color: #bababa;"> | </span>2831 S. Linden</span>Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-45494760798117881072011-05-17T14:17:00.000-07:002011-05-17T14:18:14.522-07:00Accept Credit Cards on your iPhone or Android Today!!<p style="text-align:center;margin-top:0px;margin-bottom:0px" align="center"><span style="font-size:20pt"><b>Accept Credit Cards <span style="color:rgb(60, 154, 6)">TODAY</span> on your iPhone or Android </b></span></p> <p style="text-align:center;margin-top:0px;margin-bottom:0px" align="center"><span style="font-size:11pt;font-family:Arial,Helvetica,sans-serif;color:rgb(0, 26, 129)"><strong> </strong></span></p> <p style="text-align:center;margin-top:0px;margin-bottom:0px" align="center"><span style="font-size:20pt"><span style="font-size:11pt;font-family:Arial,Helvetica,sans-serif;color:rgb(0, 26, 129)"><strong> </strong></span><a style="color:rgb(0, 0, 255);font-weight:bold;text-decoration:underline;font-size:11pt" shape="rect" href="http://r20.rs6.net/tn.jsp?llr=c9xmz5cab&et=1105575323811&s=0&e=0017H6UH8JN63ktquajceG0t7Y5gL72jwifn3owuMD2S8B6gefzIhNTxn-E6FlTi3-w0KMoI_pIrvPm6UDap3hdKR6-2jBsSO9bCWQN5tbhdob6c594iq3xLQ==" target="_blank">Click Here To Watch Video</a> </span></p> <p style="text-align:center;margin-top:0px;margin-bottom:0px" align="center"><span> </span></p> <p style="margin-top:0px;margin-bottom:0px;font-size:12pt"><span> </span></p> <p style="margin-top:0px;margin-bottom:0px;font-size:12pt"><span>Phil Herrington "The Credit Card Guy" is excited to introduce the new <span style="color:rgb(0, 176, 80)"><b>PAY AS YOU GO</b></span> program for accepting credit cards.<span> </span></span></p> <p style="margin-top:0px;margin-bottom:0px;font-size:12pt"><span> </span></p> <p style="margin-top:0px;margin-bottom:0px;font-size:14pt"><span>Here are just some of the benefits:</span><span> </span></p> <ul type="disc"><li style="font-size:12pt">No Contract</li><li style="font-size:12pt">FREE Equipment </li><li style="font-size:12pt">FREE App</li><li style="font-size:12pt">Approved in minutes NOT days. </li></ul> <p style="margin-top:0px;margin-bottom:0px;font-size:14pt"><span><b>Here are the ideal merchants:</b></span><span> </span></p> <ul type="disc"><li style="font-size:12pt">Hair Stylists </li><li style="font-size:12pt">Personal Trainers </li><li style="font-size:12pt">Direct Sales</li><li style="font-size:12pt">AVON Reps</li><li style="font-size:12pt">Mary Kay Reps</li><li style="font-size:12pt">Plumbers</li><li style="font-size:12pt">Painters</li><li style="font-size:12pt">IT / Computer Guys</li><li style="font-size:12pt">Cab Drivers</li><li style="font-size:12pt"> Pizza Delivery</li><li style="font-size:12pt">Ect...</li></ul> <div> <p style="margin-top:0px;margin-bottom:0px"> </p> </div>Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-10796359593202286472011-05-03T12:51:00.000-07:002011-05-03T12:54:48.297-07:00Top 10 Ways Merchant Companies Rip You Off...And How To Stop Them...For Good!Introduction<br /><br />You are either a new business looking for your first merchant account, or you're an existing one looking for better rates or better service. Either way, you are going to remember the day you found Total Merchant Success. I know that sounds rather self serving, but once you read this document and understand what sets our company apart it should be a conclusion you will willingly confirm for yourself.<br /><br />Did you know that in the merchant service industry there are currently between 20 to 30 methods that are regularly used to increase your merchant account fees. Most of these are applied without you ever noticing. When they are noticed they are seldom understood and even much less questioned. In this revealing ebook we are ripping the cover off these scams and exposing their detrimental effects on average business owners and consumers alike. Information is power. As you read this document you should find yourself becoming increasing empowered to take control over a segment of your business that will make up one of your largest single income sources. If statistics and predictions are correct, your merchant account will increasingly make up a larger and larger portion of your overall income flow. This is due to how the entire world is becoming highly automated and technologically connected. Right now the credit card industry is already processing some GLOBAL transactions. Soon this will become commonplace as the world grows smaller and as paper and coin monies are used less and less. In this new ecommerce world your merchant account will be more and more valuable. You therefore owe it to yourselves to become as informed as possible. We want to help you do this. In fact, our entire business model is built upon the premise that we win, we realize success, only as we help you do the same.<br /><br /><span style="font-weight: bold;">Rip Off # 1 The “Promise of a new LOWER RATE” Trick: </span><br /><br />This is the most popular, yet seldom caught rip off. It's also the number one question that business owners ask when looking for a new merchant service company. What is your discount rate? Often, if a company can answer with the lowest number they get the sale. What the business owner does not realize is that hidden behind that fantastic rate, the one you are now bragging about to your friends, is an unknown tactic that's about to bite you in the wallet over and over again. I know, I know, you are about to say, "If they promise you a rate in writing they have to stand by that rate, or it's against the law." And you are right. However, the way they legally do this is to wait for Banks to move first and then they are no longer bound. For example, did you know that Visa, Master Card and all the others execute a rate increase between one and three times a year? When this happens your merchant service company uses this unfortunate occasion to pad their own bank accounts. Not only do they pass this mandatory increase on to you, they conveniently add a little increase for themselves, and this is all perfectly legal.<br /><br />For Example: Let's say your rate is 1.95% when you start. Then, sometime shortly after this Visa applies a Global Rate Increase of.03%. Your rate would automatically go up to 1.98%. But the majority of merchant card companies use this as an opportunity to simultaneously add an increase of their own. Let's just say they add the same .03%. Now your rate, which started at 1.95%, has shot up to 2.01%. That may not sound like a lot, but over a year’s time it can quickly add up to hundreds or even thousands of dollars depending on the size of the merchant account.<br />Here is a fact that ought to help you understand how these merchant card companies can get away with this systematic rip off. Whenever we are asked to give a business owner a quote for new service we always ask them to give us their past three or four months of merchant history to evaluate. We obviously cannot do this with a brand new business, but with an existing one this helps us to give a comparable quote that is based on their processing history. We are frequently shocked to find many merchants who have never opened their processing account statements. One of the reasons why they don’t open their statements is because they trust that the merchant service company is going to honor their word and not increase their rates and fees! When we ask about this another reason we frequently hear is that they are too busy and all they care about is the money that goes into their bank. They focus on the bank and not that little bandit that lurks just outside the bank, the one that's quietly scamming thousands... and that's a big mistake, one we hope you will not make yourself.<br /><br /><span style="font-weight:bold;">The Cure #1 The “Pass Through” Solution:</span><br /><br />At Total Merchant Success we have a great cure for this rip off. First, we not do play the rate game at all. Instead we offer something that is much more valuable to every business owner. We guarantee that once we set your rate we will not increase that rate BEYOND that of Visa, Master Card or the others. We call this the "pass through guarantee". Instead of padding our rates we open the gates and we refuse to be led only by greed. Don't misunderstand us here. We are not saying that money is not important to us. Not at all. In fact, we believe that our philosophy of business is so appreciated by other business owners that we make more money than many of our competitors. The reason for this can be found in a very simple principle: "Give and it will be given back to you, in greater measure." Instead of seeking a business relationship that lasts only up to the moment you discover our rip off techniques, we are seeking a LIFETIME CUSTOMER. Very few people leave our company. They can't afford to. We honestly do not know of a single merchant service company that has a TOTAL package that can beat our rates. That's why we call ourselves Total Merchant Success. If we can make an honest profit and keep you as a customer for life we will, in the end, make more money through volume than we would by having fewer customers who we are gouging and ripping off. If you are a business owner we believe that your business could benefit by adopting this principle as your own. By the way, we teach these principles to average business owners through our parent company, Total Biz Success.Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com5tag:blogger.com,1999:blog-1835397676642178996.post-73213661681187884382011-03-10T18:10:00.000-08:002011-03-10T18:13:18.202-08:00Way Cooler than Groupon! Must Read 5% residual For LIFECheck this out if it does what it says it will do this will be a great side income.<br /><br /><br />This is FREE to sign up and you get 5% from what people spend...better than Groupon...<br /><br /><br /><br />Please, read this memo. It IS NOT some thing I am trying to sell you…I can’t, it’s totally FREE and not only will save you 50% when you shop, it can make you a boatload of money too…read on:<br /> <br />You thought Groupon was cool where you get 50% off deals at local restaurants, salons, etc…Check out this company! They are doing the same thing offering 50% off deals of the day…but they are PAYING you to shop!!! Unlike Groupon’s referral program where you get $10 for referring a friend, this company pays you 5% of the purchase of everyone you sign up when they shop!!!<br /> <br /><a href="http://freetoserve.thecustomeradvantage.com/">http://freetoserve.thecustomeradvantage.com </a>just started in January and already has over 50,000 subscribers. At this pace they will grow faster than Groupon which holds the record for the fastest growing company in the world!<br /> <br />It is FREE to sign up. Then get your network of friends and family to sign up for FREE! Then you will be able to save 50% or more on hot deals of the day just like Groupon! BUT, when you and your friends shop that are signed up under you…you get paid 5% of the purchase price automatically! No fees or costs! Just get paid when they shop. Get this…similar to network marketing, you get paid 5% for everyone signed up under you to the 5th level when they buy one of the 50% off deals! NO STRINGS ATTACHED! NO RECRUITING! Just get your friends to sign up for FREE and tell them to do the same thing and sign up their friends! It is possible you will end up with 100’s even 1000’s of people under you that pays you 5% of the purchase price when they buy stuff…how cool is that! Residual income from shopping.<br /> <br />Here is an example of how it works: all you do is recommend people to sign up so they can save 50% on hot deals of the day…no membership, no fees or dues…nothing…it’s FREE.<br />You sign up for FREE…you shop and save 50% or more on purchases…you get paid 5% back on your purchase for shopping.<br />Level one: You sign up your friend…they shop…you get paid 5% of that purchase price. Sign up as many people as you want.<br />Level two: Your friend signs up 10 of their friends…when those 10 shop…you get 5% of every purchase they make.<br />Level three: Now those 10 friends each sign up 10 of their friends…when those 100 shop…you make 5% of every purchase they make!<br />Level four: Now those 100 friends each sign up 10 of their friends…when those 1000 shop…you make 5% of every purchase they make!<br />Level five: Now those 1000 friends each sign up 10 of their friends…now you have 10,000 people under your account…when those 10,000 shop…you make 5% of every purchase they make!<br />That is the most levels you earn 5% on, but this was just a result of you signing up one person and they each sign up 10 of their friends at each level. What if you sign up 10 people…OMGosh!<br />How would you like to earn 5% residual income without effort from 10,000 or many more shoppers and what they buy?<br /> <br />Friends, this company just launched…as soon as your local market has a minimum number of subscribers, the money will start to flow automatically as the deal of the day starts running and people start buying! Get your own FREE back office website (within minutes of signing up) to track your team and their purchases—your 5% override!<br /> <br />In 2 years since Groupon started in Chicago, Groupon has grown to over 25 million subscribers, in 130 countries and making over $1 Billion in sales and pays you $10 if you refer someone—that is it.<br />Google offered to buy them in November 2010 for 5.6 Billion which they turned down.<br />It is projected they will reach 100 million subscribers by the end of this year.<br /> <br /><a href="http://freetoserve.thecustomeradvantage.com/">http://freetoserve.thecustomeradvantage.com</a> is going to share the wealth to those who help build it…now is the time to catch the WAVE to extra residual income…best part…it’s FREE.<br />You would be crazy to not sign up and save 50% at local restaurants and other businesses…You would be crazier not sign up for FREE and earn money when others buy!<br /> <br />Please, call me for any questions. Watch the videos and check out the site. It is real! It is going to provide a lot of extra income to a lot of people, you might as well be one of them.<br /> <br />I invite you to join my team!!! It’s FREE and you will save 50% or more when you shop. When others shop under you…you make 5% of the purchase they make, now that is cool!<br /> <br /><br />Phil Herrington "The Credit Card Guy"<br />1-877-500-PHIL (7445)<br />Cell 316-409-1128<br />1-877-FAX-PHIL(329-7445)<br />totalbizsuccess@gmail.com<br />www.philherrington.com<br /><br />Have an Extraordinary Day!!<br /><br />May God Bless you and your Family!!<br />Jeremiah 29:11Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-16033021965397692142010-08-12T18:17:00.000-07:002010-08-12T18:18:03.600-07:00Are You Being Scammed by the PCI Compliance Fee?<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5COwner%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C04%5Cclip_filelist.xml"><o:smarttagtype namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="place"></o:smarttagtype><o:smarttagtype namespaceuri="urn:schemas-microsoft-com:office:smarttags" name="City"></o:smarttagtype><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><!--[if !mso]><object classid="clsid:38481807-CA0E-42D2-BF39-B33AF135CC4D" id="ieooui"></object> <style> st1\:*{behavior:url(#ieooui) } </style> <![endif]--><style> <!-- /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} h1 {mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; mso-outline-level:1; font-size:24.0pt; font-family:"Times New Roman";} a:link, span.MsoHyperlink {color:blue; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {color:purple; text-decoration:underline; text-underline:single;} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]-->Phil Herrington with Merchant Services Brokers, a premier provider of merchant accounts and credit card processing solutions has broken the mold for credit card processing.
<br /> <p class="MsoNormal">
<br />Lately there have been reports of processors that are starting to charge their customers $19.95 per month for not being PCI compliant and an additional $100 – 200 annual fee for a total of $350 - $$ a year for PCI Compliance this is outrageous. To fix this problem, these processors are requiring their customers to install some PC based scanning software that is supposed to magically make the business PCI compliant, thereby allowing them to avoid the monthly charge.
<br />
<br />Let me start out by saying: This is a scam!!<span style=""> </span>Reputable processors will have already paid this fee for their merchants, do your due diligence and shop for the right merchant processor.
<br />
<br />There is nothing that you can just put on your PC that will make your business PCI compliant. This is so far off course that it hardly can be related to PCI. PCI compliance is in reference to networks, computers, hardware and software that play a part in the processing, storage, or transfer of a credit card transaction.<o:p></o:p></p> <p class="MsoNormal">
<br />It is now required that every business be PCI compliant, but let me assure you that there is no simple computer program that will do this for any business. Even if only a single computer is used to enter card data, it is unlikely that it is the only piece of the puzzle, and even more unlikely that a single piece of software can guarantee PCI compliance.
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<br />Steps to get compliant:
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<br />1. Determine whether you need to be PCI compliant. (If you accept credit cards, or play
<br />any part in the processing of a credit card, you need to be PCI compliant.)
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<br />2. Determine which Level of compliance is required for your business.
<br />
<br />* <b style="">Level 1</b>: Greater than 6 million credit card transactions per year or any business that
<br /><span style=""> </span>has suffered a hack or data breach, or any business deemed Level 1 by card
<br /><span style=""> </span>associations.
<br />* <b style="">Level 2</b>: 1 to 6 Million credit card transactions per year.
<br />* <b style="">Level 3</b>: 20K to 1 Million credit card transactions per year.
<br />* <b style="">Level 4</b>: Less than 20K ecommerce or 1 Million total transactions per year.
<br />
<br />3. Fill out the self assessment questionnaire (SAQ).
<br />
<br />4. Fix every area that you answered ‘NO’ to on the SAQ.
<br />
<br />5. Hire an approved scanning vendor (ASV) to perform quarterly scans of any external networks. – All Levels
<br />
<br />6. Fix and maintain any failed area of the scan.
<br />
<br />7. Level 1 Only: Complete an annual on-site audit by a Qualified Security Assessor (QSA).
<br />
<br />8. ** Continue to maintain security of networks and card information! **
<br />
<br />Once you complete all of those requirements, and maintain a secure network and business environment, you are PCI compliant. Most of the details of PCI compliance can be found in the SAQ, and on the PCI Security Standards website.
<br />
<br />If you are a merchant that has experienced the PCI compliance fee, please give me a call to see if Merchant Services Brokers can help your business in avoiding this fee.</p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal">Contact
<br />Phil Herrington “The Credit Card Guy”
<br />Merchant Services Brokers
<br /><st1:city st="on"><st1:place st="on">Wichita</st1:place></st1:city>, KS
<br />1-877-500-PHIL (7445)
<br /><a href="mailto:thecreditcardguy@gmail.com">thecreditcardguy@gmail.com</a></p> Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-56095117022604050822010-03-08T13:46:00.001-08:002010-03-08T13:46:46.275-08:00Visa & MasterCard PCI Complicance Fee..What is it?<p style="text-align: center;" class="MsoNormal"><b><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;">News Flash!!<br /></span></b></p><p style="text-align: center;" class="MsoNormal"> <b><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;">Save you </span></b><b><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: blue;">Hundreds</span></b><b><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;"> of Dollars a year on Your Merchant Services!!</span></b></p> <div> </div><p style="text-align: center;" class="MsoNormal"><b><span style="font-size: 14pt; font-family: "Comic Sans MS";"> </span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><span style="font-family: "Comic Sans MS";">(PCI Compliance for Visa & MasterCard Processing) </span></p> <p class="MsoNormal" style="text-align: center;" align="center"><b><span style="font-family: "Comic Sans MS";"> </span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b><span style="font-size: 16pt; font-family: "Comic Sans MS"; color: red;">What is it? </span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b><span style="font-size: 16pt; font-family: "Comic Sans MS"; color: red;">& </span></b></p> <p class="MsoNormal" style="text-align: center;" align="center"><b><span style="font-size: 16pt; font-family: "Comic Sans MS"; color: blue;">Why Does It Cost SOOOO Much?</span></b></p> <b><span style="font-size: 16pt; font-family: "Comic Sans MS"; color: red;"></span></b> <p class="MsoNormal" style="text-align: center;" align="center"> </p> <p class="MsoNormal"> </p> <p class="MsoNormal" style="line-height: 150%;"><span style="font-family: "Comic Sans MS";">All processors are now having to charge a PCI Compliance Fee, basically the government (FCC) has step in and said that processors need to be more careful in the way they store data or credit card numbers.<span> </span>The government is making the processors implement systems and services that are expensive and the processors are passing that cost on to you, the merchant. </span></p> <p class="MsoNormal" style="text-indent: 0.5in; line-height: 150%;"><span style="font-family: "Comic Sans MS";">All processors are required to charge a PCI Compliance Fee, but it is up to each individual processor <i>how much</i>.<span> </span>The processor I work with has decided to keep this fee low and only charge <b>$79</b> a year <b>($6.58</b> a month).<span> </span>I have seen other processors charging as much as <b>$300 - $600</b> a year. You have to be very careful which processor you choose because there are often hidden fees.<span> </span>For example you might be being charged anywhere from <b>$20.00 - $30.00</b> a month and then an annually fee of <b>$75 - $249</b> and that is as much as <b>$600.00</b> a year in just this one area.<span> </span>Keep in mind this is above and beyond your regular monthly processing fees.</span></p> <p class="MsoNormal" style="text-indent: 0.5in; line-height: 150%;"> </p> <p class="MsoNormal" style="line-height: 150%; text-align: left;"><b><span style="font-size: 14pt; line-height: 150%;">Call</span></b><b><span style="font-size: 14pt; line-height: 150%; font-family: "Comic Sans MS";"> Phil Herrington <span style="color: red;">“The Credit Card Guy”</span></span></b></p><div> </div><p class="MsoNormal" style="line-height: 150%; text-align: left;"><b><span style="font-size: 14pt; line-height: 150%;">For a <span style="color: navy;">Quote</span> on your merchant services </span></b></p> <b><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: navy;">1-877-500-7445 or email at </span><span style="font-size: 14pt; font-family: "Times New Roman";"><a href="mailto:thecreditcardguy@gmail.com" target="_blank">thecreditcardguy@gmail.com</a></span><span style="font-size: 14pt; font-family: "Times New Roman";"><br /></span></b>Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-39912061540502496312010-03-02T13:43:00.000-08:002010-03-02T13:44:08.941-08:00<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5COwner%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Comic Sans MS"; panose-1:3 15 7 2 3 3 2 2 2 4; mso-font-charset:0; mso-generic-font-family:script; mso-font-pitch:variable; mso-font-signature:647 0 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} p {mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;">Half Truth # 6</span></b><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;"> <o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;">The Secret Time Bomb</span></b><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="line-height: 200%;"><span style="font-family: Arial;">Most business owners never see this one coming. The reason is simple and it's even understandable. After all, how many times have you read EVERYTHING contained in a contract, especially when you feel the details were already discussed and understood. Wisdom tells us that we should always read our contract, but the fact is we often do not. Merchant Service companies count on this so they can position their new client for one of the most common rip offs in the industry. Here is how it works. Because most customers looking for service are mesmerized by <b style="">THE RATE</b> they often sign the contract once they think they have secured a good one. What they fail to see in the fine print is that after 6 months those great rates go up automatically (something they forgot to read). Next to slipping in a rate increase when Visa gives a global increase, this is one of the most popular rip offs on the market today. <o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;">The Cure #6</span></b><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;"> <o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;">The No Surprise Solution</span></b><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="line-height: 200%;"><span style="font-family: Arial;"><o:p> </o:p></span></p> <p style="line-height: 200%;"><span style="font-family: Arial;">If you want your customers to trust you there needs to be trustworthy where it counts most, in the fine print. If you ever find techniques like the "time bomb" being used against you, you should immediately commit yourself to changing service providers as soon as your contract allows. If they will treat you like a fool in the fine print they will do it any other time they can also. With <b style="">Phil Herrington <i style="">“The Credit Card Guy”</i>, </b>I welcome you to read <b style="">EVERYTHING</b> in my contract, I believe in the naked truth which means I am going to tell you the things you don’t know to ask as well as the things you do. You won't find anything we have not discussed; especially things like hidden rate increases that are tucked away in the smallest fonts available. This is not good business and it's a pure rip off. <o:p></o:p></span></p> <p class="MsoNormal"><o:p> </o:p></p> Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-65463255556194913612010-03-02T13:42:00.001-08:002010-03-02T13:43:39.251-08:00<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5COwner%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Comic Sans MS"; 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mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--><meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5COwner%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Comic Sans MS"; panose-1:3 15 7 2 3 3 2 2 2 4; mso-font-charset:0; mso-generic-font-family:script; mso-font-pitch:variable; mso-font-signature:647 0 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} p {mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;">Half Truth # 5</span></b><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;">The “Don't Ask & Don't Tell” Scam</span></b><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="line-height: 200%;"><span style="font-family: Arial;"><o:p> </o:p></span></p> <p style="line-height: 200%;"><span style="font-family: Arial;">If you are a business owner you MUST understand this <b style="">HALF TRUTH</b> and do everything in your power to avoid being sucked into the ignorance that is at the source of this growing problem. Most of us know the difference between a credit card and a debit card. Most of us think our credit card terminals should<span style="color: red;"> </span>know that also. However, many people do not realize that unless your customer uses their debit card with a <b style="">PIN NUMBER</b> you are most likely not going to get the best rate you can.<span style=""> </span>You would think this one should be against the law. The fact is, business owners are often so busy that they do not read either instructions or directions, thus leaving themselves vulnerable to the very tactics that depend on ignorance to work. The merchant company does not have to tell this to the business owner, and if the owner never asks this little scam can add up to lot's of money over time. <o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;">The Cure #5</span></b><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;">The All Cards On The Table Solution</span></b><span style="font-size: 18pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="line-height: 200%;"><span style="font-family: Arial;">You might ask how these rip offs can go one when millions of people use credit cards. The answer is simple. Most new business owners know little about the ins and outs of running a business. That's why such a high percentage of them fail annually. <b style=""><i style="">Phil Herrington “The Credit Card Guy”</i></b> wants to see these numbers change. If more people approached business with the same philosophy I aspire to we would see more success. At the heart of our values is the commitment to put all our cards on the table. We not only give honest answers to all the questions our business owners bring to us, we go out of our way to <b style="">INSTRUCT </b>and to <b style="">MENTOR </b>each owner so that they are better prepared for the realities of the business world. This includes things like how to get the most out of debit cards. That's the motive behind this book. I know that we could use some of the tactics to add a few more dollars to our pockets. However, there is something more important in life than just money. I get a great deal of satisfaction from helping others succeed. <o:p></o:p></span></p> <p class="MsoNormal"><o:p> </o:p></p> <p class="MsoNormal"><o:p> </o:p></p> Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com1tag:blogger.com,1999:blog-1835397676642178996.post-1158167293351319622009-12-08T10:01:00.001-08:002009-12-08T10:01:46.458-08:00<p align="center" style="text-align:center"><b style="mso-bidi-font-weight:normal"><span style="font-size:14.0pt;font-family:"Comic Sans MS";mso-bidi-font-family:Tahoma; color:red">Half Truth # 4</span></b><span style="font-size:14.0pt;font-family: "Comic Sans MS";mso-bidi-font-family:Tahoma;color:red"><o:p></o:p></span></p> <p align="center" style="text-align:center"><b style="mso-bidi-font-weight:normal"><span style="font-size:14.0pt;font-family:"Comic Sans MS";mso-bidi-font-family:Tahoma; color:red">The “Free Things That Are Never Free” Scam:</span></b><span style="font-size:14.0pt;font-family:"Comic Sans MS";mso-bidi-font-family:Tahoma; color:red"><o:p></o:p></span></p> <p style="line-height:200%"><span style="font-family:Tahoma">Most processes lure you in by offering to give you something <b style="mso-bidi-font-weight: normal">FREE</b>. This tactic is as old as the earth and probably existed during the cave man days, even before Geico. In fact, I think I am using this strategy very effectively with my promise to give you a free terminal (not bad, huh?). So obviously, I am not against this principle. What I am against, however, is the giving of things like "free paper" and "free print ribbons"<span style="color:red"> </span>and other such items when you know you are paying for these by increasing your fees for other items or services. <o:p></o:p></span></p> <p class="MsoNormal" align="center" style="text-align:center"><b style="mso-bidi-font-weight: normal"><span style="font-size:14.0pt;font-family:"Comic Sans MS";mso-bidi-font-family: Tahoma;color:red">The Cure #4<o:p></o:p></span></b></p> <p class="MsoNormal" align="center" style="text-align:center"><b style="mso-bidi-font-weight: normal"><span style="font-size:14.0pt;font-family:"Comic Sans MS";mso-bidi-font-family: Tahoma;color:red"><o:p> </o:p></span></b></p> <p class="MsoNormal" align="center" style="text-align:center"><b style="mso-bidi-font-weight: normal"><span style="font-size:14.0pt;font-family:"Comic Sans MS";mso-bidi-font-family: Tahoma;color:red">The “Value Over Time” Solution:<o:p></o:p></span></b></p> <p class="MsoNormal" align="center" style="text-align:center"><b style="mso-bidi-font-weight: normal"><span style="font-size:14.0pt;font-family:"Comic Sans MS";mso-bidi-font-family: Tahoma;color:red"><o:p> </o:p></span></b></p> <p class="MsoNormal" style="line-height:200%"><span style="font-family:Tahoma">You may rightly ask us how I am able to give away our free terminals. Don't I have to pay for these somehow and therefore aren’t I engaging in the same practice that I am condemning? Great question and the answer is NO! Here's why. Yes, of course I have to pay for those terminals and I do that by giving you a very value based fee structure. What this means is that over the first year we use your fees to pay for these and other expenses. We only begin to make money after I have prove my service to you and as you continue to use my service. Again, I believe that if I do not try to gouge you with unfair costs your business will succeed and therefore ultimately I succeed and this will create a win/win relationship. We don’t have to get rich quick. Instead we want to get EXTREMELY RICH more slowly and with a greater degree to certainty.<span style="mso-spacerun:yes"> </span>This is a business model that works because if we all treat others the way we want to be treated than we can all succeed. <o:p></o:p></span></p> <p class="MsoNormal" style="line-height:200%"><span style="font-family:Tahoma"><o:p> </o:p></span></p> <p class="MsoNormal" style="line-height:200%"><span style="font-family:Tahoma">Sincerely<br />Phil Herrington<br />"The Credit Card Guy"<br />Local 316-409-1128<br />1-877-500-PHIL (7445)<br />Merchant Services Brokers<br /></span><b><span style="font-size:10.0pt;line-height:200%;font-family:Tahoma">thecreditcardguy@gmail.com</span></b><span style="font-family:Tahoma"><o:p></o:p></span></p>Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-15270792820548177182009-11-06T09:40:00.000-08:002009-11-06T09:45:55.762-08:00<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CPHILHE%7E1%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Comic Sans MS"; panose-1:3 15 7 2 3 3 2 2 2 4; mso-font-charset:0; mso-generic-font-family:script; mso-font-pitch:variable; mso-font-signature:647 0 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} p {mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} </style> <![endif]--> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;">Half Truth # 3</span></b><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;">The “Non-Qualified Transaction” Ploy:<o:p></o:p></span></b></p> <p style="line-height: 200%;"><span style="font-family: Arial;">Most processes know that a business owner will pay more money for every transaction if they cannot verify the address from each customer. Address verification is just one of the many "Risk Factors" that go into the credit card rate and fee system, all of which is passed on to the average consumer. When you think about it, it really does make sense. Some people do misuse their credit cards and rack up huge sales with no intention of paying back what they owe. Therefore, the banks want to verify as much as they can about the one using the card. If they can get this information they are willing to reduce their fees in exchange for reduced risk. But if your merchant service company wants to use this little know fact to hide the extra expenses it can mean another source of revenue for them. You would be surprised how many actually do this. <o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;">The Cure #3</span></b><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;">The “AVS In Advance” Solution:</span></b><span style="font-size: 14pt; font-family: "Comic Sans MS"; color: red;"><o:p></o:p></span></p> <p style="line-height: 200%;"><span style="font-family: Arial;">Unfortunately, unless you request that your processor program your terminals to include AVS (address verification stamp) it may never happen. With </span><b style=""><span style="font-size: 14pt; line-height: 200%; font-family: "Comic Sans MS";">Phil Herrington “The Credit Card Guy” </span></b><span style="font-family: Arial;">I will automatically program your AVS into every terminal. In fact I look for this and other ways to help you save money so you can have every advantage to succeed. This may sound like a small item when you consider the total scope of your business income. However, as a small business owner myself I learned long ago that all these "small" things add up quickly. So take my advice and avoid all Non-Qualified transactions in the future and save your hard earned money for that much needed vacation.<o:p></o:p></span></p> <p class="MsoNormal">Sincerely
<br />
<br />Phil Herrington
<br />"The Credit Card Guy"
<br />Local 316-409-1128
<br />1-877-500-PHIL (7445)
<br />Merchant Services Brokers
<br /><b><span style="font-size: 10pt;">thecreditcardguy@gmail.com</span></b></p> Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-32512475523694734482009-10-07T10:55:00.000-07:002009-10-07T10:56:04.569-07:00Half Truth # 2 The “Charging Fees That Are Not Required”<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5CPHILHE%7E1%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:"Comic Sans MS"; panose-1:3 15 7 2 3 3 2 2 2 4; mso-font-charset:0; mso-generic-font-family:script; mso-font-pitch:variable; mso-font-signature:647 0 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} p {mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman"; mso-fareast-font-family:"Times New Roman";} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.25in 1.0in 1.25in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><p style="line-height: 200%;"><span style="font-family:Arial;">Is your current processor charging you a <span style=""> </span>“Merchant Club Fee”, “Compliance Fee” or a “Membership Fee” for free paper, all of these types of fees are made up fees and if you are being charged them you are paying TOO much?<span style=""> </span>These fees are not required by Visa or the other bank card companies. Although there are certain monthly fees that are required and in some cases even warranted, you should realize at the outset that most of these fees are negotiable and are charged at the whims and wants of the merchant service company and are often not required. Remember to <b style="">ALWAYS ASK</b> what a fee represents and to inquire if they are imposed from above or if they are negotiable. You may be pleasantly surprised at the answer. <o:p></o:p></span></p> <p style="text-align: center;" align="center"><b style=""><span style=";font-family:";font-size:14pt;color:red;" >Solution #2</span></b><span style=";font-family:";font-size:14pt;color:red;" > “<b style="">The Whole Truth about Unnecessary Fees”</b><o:p></o:p></span></p> <p style="line-height: 200%;"><span style="font-family:Arial;">With Phil Herrington “The Credit Card Guy” I do not pad my fees or add other unnecessary expenses just to earn a few extra dollars. Again, don't misunderstand. I love getting extra money. I love a raise, a bonus, a cash increase of any kind, just like the next guy. However, it's because I love this extra cash that I do not engage in these tactics. You see, if I can help you to be more successful you're going to spend more of your "success dollars" on growing your company. When your company grows then so does mine right alongside you. I would much rather get a raise as a result of you getting your one <b style="">FIRST.</b> When merchant companies turn this principle into an everyday reality everyone wins. That's why many of our competitors go out of business so rapidly. They honestly believe they can make more money, more quickly, if they rip others off by tell little <b style="">Half Truths</b> and not telling the <b style="">Whole Truth</b> and therefore by trying to take shortcuts to success they usually just loose. For some reason this kind of dysfunctional thinking is rampant in the merchant services industry. That's why you need to do some serious research before you sign up with one of these other companies, I am here to protect your business from unnecessary rate increases and a bunch of made up fees that should <b style="">NOT </b>be charged.<span style=""> </span>Take this necessary business step seriously and you will save hundreds to thousands of dollars every year. <o:p></o:p></span></p> <p class="MsoNormal"><o:p> </o:p></p> Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-60178424868553897972009-09-03T21:01:00.000-07:002009-09-03T21:06:10.849-07:00HALF TRUTH # 1The "Promise of a new LOWER RATE"<div style="text-align: center; font-weight: bold; color: rgb(255, 0, 0); font-family: times new roman; font-style: italic;"><span style="font-size:130%;">HALF TRUTH # 1 - "The Promise of a new LOWER RATE"<br /></span></div><br />Weather you just starting out or have been around for a while Merchant Services Brokers is the right fit for you....with our customized programs. 99% of the time we will save YOU 30% - 50% on your merchant fees.<br /><br />This is the most popular, yet seldom caught HALF TRUTH. It's also the number one question that business owners ask when looking for a new merchant service company. What is your discount rate? Often, if a company can answer with the lowest number they get the sale. What the business owner does not realize is that hidden behind that fantastic rate, the one you are now bragging about to your friends, is an unknown tactic that's about to bite you in the wallet over and over again. I know, I know, you are about to say, "If they promise you a rate in writing they have to stand by that rate, or it's against the law." And you are right. However, the way they legally do this is to wait for Banks to move first and then they are no longer bound. For example, did you know that Visa, Master Card and all the others execute a rate increase between one and three times a year? When this happens your merchant service company uses this unfortunate occasion to pad their own bank accounts. Not only do they pass this mandatory increase on to you, they conveniently add a little increase for themselves, and this is all perfectly legal.<br /><br />For Example: Let's say your rate is 1.95% when you start. Then, sometime shortly after this Visa applies a Global Rate Increase of.03%. Your rate would automatically go up to 1.98%. But the majority of merchant card companies use this as an opportunity to simultaneously add an increase of their own. Let's just say they add the same .03%. Now your rate, which started at 1.95%, has shot up to 2.01%. That may not sound like a lot, but over a year's time it can quickly add up to hundreds or even thousands of dollars depending on the size of the merchant account.<br /><br />Here is a fact that ought to help you understand how these merchant card companies can get away with this systematic rip off. Whenever we are asked to give a business owner a quote for new service we always ask them to give us their past three or four months of merchant history to evaluate. We obviously cannot do this with a brand new business, but with an existing one this helps us to give a comparable quote that is based on their processing history. We are frequently shocked to find many merchants who have never opened their processing account statements. One of the reasons why they don't open their statements is because they trust that the merchant service company is going to honor their word and not increase their rates and fees! When we ask about this another reason we frequently hear is that they are too busy and all they care about is the money that goes into their bank. They focus on the bank and not that little bandit that lurks just outside the bank, the one that's quietly scamming thousands... and that's a big mistake, one we hope you will not make yourself.<br /><br /><span style="color: rgb(255, 0, 0); font-weight: bold;">No worries we have a Cure for you....</span><br /><br /><span style="font-weight: bold; font-family: times new roman;">Solution #1 The "Pass Through" Solution:</span><br /><br /><span style="color: rgb(51, 51, 255);">At Merchant Services Brokers we have a great solutions for this HALF TRUTH, it is a little thing called the WHOLE truth. First, we not do play the rate game at all. Instead we offer something that is much more valuable to every business owner. We guarantee that once we set your rate we will not increase that rate BEYOND that of Visa, Master Card or the others. We call this the "pass through guarantee". Instead of padding our rates we open the gates and we refuse to be led only by greed. Don't misunderstand us here. We are not saying that money is not important to us. Not at all. In fact, we believe that our philosophy of business is so appreciated by other business owners that we make more money than many of our competitors. The reason for this can be found in a very simple principle: "Give and it will be given back to you, in greater measure." Instead of seeking a business relationship that lasts only up to the moment you discover our rip off techniques, we are seeking a <span style="font-weight: bold; color: rgb(0, 0, 0);">LIFETIME CUSTOMER</span>. Very few people leave our company. They can't afford to. We honestly do not know of a single merchant service company that has a TOTAL package that can beat our rates. That's why we call ourselves Merchant Services Brokers. If we can make an honest profit and keep you as a customer for life we will, in the end, make more money through volume than we would by having fewer customers who we are gouging and pissed off at us. If you are a business owner we believe that your business could benefit by adopting this principle as your own.</span><br /> <br /><br /><span style="color: rgb(51, 51, 255);">Well thank you for time the time, </span><br /><br /><span style="color: rgb(51, 51, 255);">And thanks for considering me as your Merchant Broker. My true heart is for your business to be a success and I want to come along side you and help you grow even if you choose another processor I will be happy to answer any questions you might have.</span><br /><br /><br /><br />Sincerely<br /><br />Phil Herrington<br />"The Credit Card Guy"<br />Local 316-409-1128<br />1-877-500-PHIL (7445)<br />Merchant Services Brokers<br /><span style="font-size:85%;"><span style="font-weight: bold;">thecreditcardguy@gmail.com</span></span><br /><br />www.merchantservicesbrokers.comAnonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-63930330796532274962009-08-02T12:08:00.000-07:002009-08-02T12:09:28.098-07:007 Questions You Should Ask Any Processor Before & After Sign Up<meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 11"><meta name="Originator" content="Microsoft Word 11"><link rel="File-List" href="file:///C:%5CDOCUME%7E1%5COwner%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_filelist.xml"><link rel="Edit-Time-Data" href="file:///C:%5CDOCUME%7E1%5COwner%5CLOCALS%7E1%5CTemp%5Cmsohtml1%5C01%5Cclip_editdata.mso"><!--[if !mso]> <style> v\:* {behavior:url(#default#VML);} o\:* {behavior:url(#default#VML);} w\:* {behavior:url(#default#VML);} .shape {behavior:url(#default#VML);} </style> <![endif]--><!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:View> <w:zoom>0</w:Zoom> <w:punctuationkerning/> <w:validateagainstschemas/> <w:saveifxmlinvalid>false</w:SaveIfXMLInvalid> <w:ignoremixedcontent>false</w:IgnoreMixedContent> <w:alwaysshowplaceholdertext>false</w:AlwaysShowPlaceholderText> <w:compatibility> <w:breakwrappedtables/> <w:snaptogridincell/> <w:wraptextwithpunct/> <w:useasianbreakrules/> <w:dontgrowautofit/> </w:Compatibility> <w:browserlevel>MicrosoftInternetExplorer4</w:BrowserLevel> </w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" latentstylecount="156"> </w:LatentStyles> </xml><![endif]--><style> <!-- /* Font Definitions */ @font-face {font-family:Wingdings; 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font-family: Verdana; color: black;"></span><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" spt="75" preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"> <v:f eqn="sum @0 1 0"> <v:f eqn="sum 0 0 @1"> <v:f eqn="prod @2 1 2"> <v:f eqn="prod @3 21600 pixelWidth"> <v:f eqn="prod @3 21600 pixelHeight"> <v:f eqn="sum @0 0 1"> <v:f eqn="prod @6 1 2"> <v:f eqn="prod @7 21600 pixelWidth"> <v:f eqn="sum @8 21600 0"> <v:f eqn="prod @7 21600 pixelHeight"> <v:f eqn="sum @10 21600 0"> </v:formulas> <v:path extrusionok="f" gradientshapeok="t" connecttype="rect"> <o:lock ext="edit" aspectratio="t"> </v:shapetype><v:shape id="_x0000_s1026" type="#_x0000_t75" alt="Phil" href="http://rs6.net/tn.jsp?t=5gwymucab.0.0.ugzzzscab.0&p=http%3A%2F%2Fwww.merchantservicesbrokers.com&id=preview" target=""_blank"" style="'position:absolute;margin-left:-90pt;" allowoverlap="f" button="t"> <v:imagedata src="file:///C:\DOCUME~1\Owner\LOCALS~1\Temp\msohtml1\01\clip_image001.gif" title="5"> <w:wrap type="square"> </v:shape><![endif]--><!--[if !vml]-->
<br /><!--[endif]--><span style="font-size: 10pt; font-family: Verdana; color: black;"></span><span style="font-size: 10pt; font-family: Verdana; color: black;"><o:p></o:p></span></p> <p class="MsoNormal" style="margin: 4.5pt 0in; text-align: center;" align="center"><b><span style="font-size: 18pt; font-family: Verdana; color: rgb(255, 0, 51);">FREE REPORT: </span></b><span style="font-size: 10pt; font-family: Verdana; color: black;">
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<br /> </span><b><span style="font-size: 10pt; font-family: Verdana; color: rgb(255, 0, 51);">7 Questions You Should Ask Any Processor Before & After Sign Up</span></b><span style="font-size: 10pt; font-family: Verdana; color: black;"><o:p></o:p></span></p> <p class="MsoNormal" style="margin: 4.5pt 0in;"><span style="font-size: 10pt; font-family: Verdana; color: black;"><o:p> </o:p></span></p> <p class="MsoNormal" style="margin: 4.5pt 0in; text-align: center;" align="center"><i><span style="font-size: 10pt; font-family: Verdana; color: black;"><o:p> </o:p></span></i></p> <p class="MsoNormal" style="margin: 4.5pt 0in; text-align: center;" align="center"><i><span style="font-size: 10pt; font-family: Verdana; color: black;"><o:p> </o:p></span></i></p> <p class="MsoNormal" style="margin: 4.5pt 0in; text-align: center;" align="center"><i><span style="font-size: 10pt; font-family: Verdana; color: black;">Weather you just starting out or have been around for a while Merchant Services Brokers is the right fit for you....with our customized programs. 99% of the time we will save YOU 30% - 50% on your merchant fees.<o:p></o:p></span></i></p> <ol start="1" type="1"><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">Are you the sales rep or the owner of the company?<o:p></o:p></span></b></li><ul type="circle"><li class="MsoNormal" style="color: rgb(0, 102, 255);"><span style="font-size: 10pt; font-family: Verdana;">The reason you ask this is because if they are just a sales rep they will most likely be gone when you have a problem.<o:p></o:p></span></li></ul><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">Is the rate you are offering subject to change for any reason?<o:p></o:p></span></b></li><ul type="circle"><li class="MsoNormal" style="color: rgb(0, 102, 255);"><span style="font-size: 10pt; font-family: Verdana;">The reason you ask this question is because I have many programs where the rate they offer you is just an introductory rate and will change is you do not reach a certain level of processing. <o:p></o:p></span></li></ul><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">When Visa Does the Global Rate Increase that happens 2-3 Times A Year does your company do a pass-through on the rate increase? <o:p></o:p></span></b></li><ul type="circle"><li class="MsoNormal" style="color: rgb(0, 102, 255);"><span style="font-size: 10pt; font-family: Verdana;">99.9% Of Processor Use That Time To Add More Hidden Fees, this is an important question because if you don't have a company looking out for your best interest than you will pay the extra later.<o:p></o:p></span></li></ul><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">Do you have any control over the fees I am charged either now or in the future?<o:p></o:p></span></b></li><ul type="circle"><li class="MsoNormal" style="color: rgb(0, 102, 255);"><span style="font-size: 10pt; font-family: Verdana;">This is important because if he/she is a sale rep for the processor once they sign you up the processor can do whatever they want. <b><o:p></o:p></b></span></li></ul><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">Are You Paying A Merchant Club Fee, Compliance Fee, Or Any Other Fee That Wasn't Disclosed To You When You Set Up Your Merchant Account?<o:p></o:p></span></b></li><ul type="circle"><li class="MsoNormal" style="color: rgb(0, 102, 255);"><span style="font-size: 10pt; font-family: Verdana;">I have seen this happen before where a processor wants to make some extra money they will charge a "Compliance Fee" for one month and everyone that asks for a refund gets one, but the ones that don't, well extra money for the Processor.....I don't know about you, but where I come from that is stealing.....<b><o:p></o:p></b></span></li></ul><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">If the sale rep offers you or You are already receiving FREE Paper or FREE Ribbons? Then You Are Being OVERCHARGED by 30% - 50% On Your Merchant Fees!!<o:p></o:p></span></b></li><ul type="circle"><li class="MsoNormal" style="color: rgb(0, 102, 255);"><span style="font-size: 10pt; font-family: Verdana;">It is simple the money has to come from somewhere.<b><o:p></o:p></b></span></li></ul><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">Have You Ever Had Your Money Held Up Because You Had TOO Many Sales? <o:p></o:p></span></b></li><ul type="circle"><li class="MsoNormal" style="color: rgb(0, 102, 255);"><span style="font-size: 10pt; font-family: Verdana;">That is why we are caller Merchant Services Brokers because we not only BROKER you a great deal meaning I didn't just work for one Processor I have contract with many, we also customized a program what works with your business.<o:p></o:p></span></li></ul></ol> <ul type="disc"><li class="MsoNormal" style="color: black;"><b><span style="font-family: Verdana; color: red;">2 Bonus Questions</span></b><span style="font-size: 10pt; font-family: Verdana;"><o:p></o:p></span></li></ul> <ol start="1" type="1"><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">Have You Ever Had a Fee Show Up on Your Merchant Statement After You Signed The Contract? <o:p></o:p></span></b></li><ul type="circle"><li class="MsoNormal" style="color: black;"><span style="font-size: 10pt; font-family: Verdana; color: rgb(0, 102, 255);">You were not only lied to, but you are being overcharged.</span><b><span style="font-size: 10pt; font-family: Verdana;"><o:p></o:p></span></b></li></ul><li class="MsoNormal" style="color: black;"><b><span style="font-size: 10pt; font-family: Verdana;">What are all of your rates and fees?<o:p></o:p></span></b></li></ol> <p class="MsoNormal" style="margin: 0in 0in 12pt 1in;"><span style="font-size: 10pt; font-family: Verdana; color: rgb(0, 102, 255);">If a processors quotes you a rate before they ask how you are going to process (i.e. swiped, orders over the phone, internet website) they are only giving you a half truth meaning there will be more fees than just 1.59%, you can trust me on that one.
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<br /> <!--[endif]--><o:p></o:p></span></p> </td> </tr> </tbody></table> <p class="MsoNormal"><span style="display: none;"><o:p> </o:p></span></p> <table class="MsoNormalTable" style="width: 100%;" border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr style=""> <td style="padding: 3.75pt;" valign="top"> <p class="MsoNormal" style="margin: 4.5pt 0in;"><span style="font-size: 10pt; font-family: Verdana; color: black;">Well thank you for time the time,
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<br /> And thanks for considering me as your Merchant Broker. My true heart is for your business to be a success and I want to come along side you and help you grow even if you choose another processor I will be happy to answer any questions you might have.<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 4.5pt 0in;"><span style="font-size: 10pt; font-family: Verdana; color: black;"> <o:p></o:p></span></p> <p class="MsoNormal" style="margin: 4.5pt 0in;"><span style="font-size: 10pt; font-family: Verdana; color: black;">Sincerely,<o:p></o:p></span></p> <p class="MsoNormal" style="margin: 4.5pt 0in;"><span style="font-size: 10pt; font-family: Verdana; color: black;"> <o:p></o:p></span></p> </td> </tr> </tbody></table> <p class="MsoNormal"><span style="display: none;"><o:p> </o:p></span></p> <table class="MsoNormalTable" style="width: 100%;" border="0" cellpadding="0" cellspacing="0" width="100%"> <tbody><tr style=""> <td style="padding: 3.75pt;" valign="top"> <p class="MsoNormal" style="margin: 4.5pt 0in;"><!--[if gte vml 1]><v:shape id="_x0000_s1027" type="#_x0000_t75" alt="" style="'position:absolute;margin-left:0;margin-top:0;width:150pt;" allowoverlap="f"> <v:imagedata src="file:///C:\DOCUME~1\Owner\LOCALS~1\Temp\msohtml1\01\clip_image002.jpg" title="1"> <w:wrap type="square"> </v:shape><![endif]--><!--[if !vml]--><!--[endif]--><span style="font-size: 10pt; font-family: Verdana; color: black;">
<br />
<br /> Phil Herrington
<br /> <b><i>"The Credit Card Guy"</i></b>
<br /> </span><b><span style="font-size: 10pt; font-family: Verdana; color: rgb(0, 51, 255);">1-877-500-PHIL (7445)</span></b><span style="font-size: 10pt; font-family: Verdana; color: black;">
<br /> Merchant Services Brokers
<br /> <a href="mailto:thecreditcardguy@gmail.com" target="_blank">thecreditcardguy@gmail.com</a><o:p></o:p></span></p> <p class="MsoNormal" style="margin: 4.5pt 0in;"><span style="font-size: 10pt; font-family: Verdana; color: black;"><!--[if gte vml 1]><v:shape id="_x0000_i1025" type="#_x0000_t75" alt="" style="'width:86.25pt;height:81pt'"> <v:imagedata src="file:///C:\DOCUME~1\Owner\LOCALS~1\Temp\msohtml1\01\clip_image001.gif" href="http://ih.constantcontact.com/fs086/1102290150612/img/5.gif?a=1102343592158"> </v:shape><![endif]--><!--[if !vml]-->
<br /><!--[endif]--><o:p></o:p></span></p> </td> </tr> </tbody></table> Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-87996971084673321942009-08-02T11:53:00.000-07:002009-08-02T11:55:31.732-07:00If you've been rejected for a small business loan, this working capital product may be perfect!<h1 class="gmail_quote" style="text-align: center;" align="center"><span style="font-size: 20pt;">If you've been <span style="color: red;">rejected </span>for a small business <span style="color: red;">loan</span>,<br />this <span style="color: red;">working capital</span> product may be <span style="color: red;">perfect!</span></span></h1><br /><p class="gmail_quote"><span style="color: green;">Every small business needs access to working capital and a Merchant Cash Advance (also sometimes called a "</span><span><b><a href="http://www.advanceme.com/business_cash_advance.aspx" target="_blank"><span style="color: windowtext; text-decoration: none;">Business Cash Advance</span></a></b></span><span style="color: green;">") from </span><b>Merchant Services Brokers</b><span style="color: green;"> offers easy access to business capital.<span> </span></span></p> <p class="gmail_quote"><span style="color: green;">We've already helped many businesses just like yours across the country. We understand that many retail and hospitality businesses find it difficult to acquire working capital through traditional loans because they lack collateral. That's why we provide valuable working capital to businesses with a working capital product that is tailored to individual business needs. Our goal is to put money in your hands without the hassles of a traditional small business loan. </span></p> <p class="gmail_quote"><span style="color: green;">Even if you do not own the building in which your business operates, </span>Merchant Services Brokers <span style="color: green;">can provide you with working capital without the difficulty associated with traditional bank loans and factors. </span></p> <h2 class="gmail_quote">The benefits are:<a name="122c72b61c4f9a32_122bcc7347a55d66_122b9deb093b9341_benefits"></a> </h2> <div class="gmail_quote"> <ul type="disc"><li>No fixed payments</li><li>No fixed timeframe</li><li>Completely automated</li><li>We get paid when you get paid</li></ul></div> <p><b><span style="font-size: 14pt;">You can use this cash to:</span></b></p> <ul type="disc"><li style="color: blue;"><span><b><a href="http://www.advanceme.com/additional_business_resources.aspx#expand?WT.svl=br1" target="_blank"><span style="text-decoration: none;">Expand your business or add additional locations</span></a></b></span></li><li style="color: blue;"><span><b><a href="http://www.advanceme.com/additional_business_resources.aspx#increase?WT.svl=br2" target="_blank"><span style="text-decoration: none;">Increase your product line, add seasonal merchandise, meet unexpected expenses</span></a></b></span></li><li style="color: blue;"><span><b><a href="http://www.advanceme.com/additional_business_resources.aspx#purchase?WT.svl=br3" target="_blank"><span style="text-decoration: none;">Purchase New Equipment</span></a></b></span></li><li style="color: blue;"><span><b><a href="http://www.advanceme.com/additional_business_resources.aspx#advertise?WT.svl=br4" target="_blank"><span style="text-decoration: none;">Advertise and promote your business with new marketing programs</span></a></b></span></li><li style="color: blue;"><span><b><a href="http://www.advanceme.com/additional_business_resources.aspx#partner?WT.svl=br5" target="_blank"><span style="text-decoration: none;">Buy out a partner</span></a></b></span></li><li style="color: blue;"> <span><b><a href="http://www.advanceme.com/additional_business_resources.aspx#renovations?WT.svl=br6" target="_blank"><span style="text-decoration: none;">Perform renovations</span></a></b></span></li></ul> <p style="text-align: center;" align="center"><span style="font-size: 16pt;">Call <b>Phil Herrington</b> for more details 316-409-1128.</span></p><br />Phil Herrington - Retail Business Coach<br />Local # 316-409-1128<br />1-877-500-PHIL (7445)<br /><br />Attention Retailers Give Your Business A LIFT In 90 Days!! Want to find out more?<br /><br /><a href="http://www.philherrington.com/" target="_blank">www.philherrington.com</a><br /><br />If you need a merchant account<br /><a href="http://www.merchantservicesbrokers.com/" target="_blank">www.merchantservicesbrokers.<wbr>com</a><br /><br /><br /><br />Phil Herrington "The Credit Card Guy"<br />1-877-500-PHIL (74457)<br />thecreditcardguy@gmail.comAnonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-84480465616782469692008-09-18T12:49:00.000-07:002008-11-30T12:41:40.197-08:00Why Are The Merchant Fee So High?<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuIxsK7uZsOBroK1kUOQpjsoEJL-Rg1kXQZ6ksP35cbrGvG85-QiCXMWoX9k46VgPjS1eel5oCBsDS0DqQBNTZkOtw2kaOc_Xyrzv3TCyG1a0OuJMCEkfKty1rB2dMyY8IU5Izx8WOLwA/s1600-h/resize_dad_and_tom.gif"><img style="margin: 0pt 0pt 10px 10px; float: right; cursor: pointer; width: 109px; height: 101px;" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuIxsK7uZsOBroK1kUOQpjsoEJL-Rg1kXQZ6ksP35cbrGvG85-QiCXMWoX9k46VgPjS1eel5oCBsDS0DqQBNTZkOtw2kaOc_Xyrzv3TCyG1a0OuJMCEkfKty1rB2dMyY8IU5Izx8WOLwA/s320/resize_dad_and_tom.gif" alt="" id="BLOGGER_PHOTO_ID_5274553024145630018" border="0" /></a><br />Hi, and welcome back today I am going to explain how processing fees are charged.....they are all based on risk, not risk to you as the merchant, but how much risk to the processor.<br /><br /><span style="font-weight: bold;">Debit Cards </span>(capture pin # in pin pad) - 0% with a transaction fee<br /><br /><span style="font-weight: bold;">Qualified Rate</span> (swiped) rate range from 1.69% - 1.89%<br /><br /><span style="font-weight: bold;">Mid-Qualified Rate</span> (personal card hand-keyed in with correct AVS) 2.39% - 3.50%<br /><br /><span style="font-weight: bold;">Non-Qualified Rate</span> (Corporate Cards Swipe or keyed in it doesn't matter, or personal cards without AVS) 3.50% - 4.50%<br /><br /><span style="font-weight: bold;">AVS</span> = Address Verification ( the numerical portion of the billing address, zip code, and CVV2 # (last 3 digits on the back of the card)<br /><br />For example a debit card that you capture the pin number on is the lowest risk card because if you loose your debit card you don't normally have your pin number on it. The second least risk credit card is a swiped transaction because the customer is in person when they purchase the item from the merchant, the transaction that carries the most risk and therefore the biggest charge is the hand key and Corporate cards. Now this is the area that a large number of processor will not talk about or even train you(the merchant) on because it is a highest profit area for the processor.<br /><br />Let's start with the personal credit card, a customer calls and ask you to ship an item to them so, you take their credit card number, billing address of the card, zip code of the card, and the CVV2 # (the last three digits on the back of the card). Now when you get to your terminal and start to type in the card number and amount the machine may or may not ask you for the AVS (Address verification) and that is because the processor know that if you don't put those 3 pieces of information in the terminal then that transaction will drop to a Non - Qualified transaction therefore charging you a higher percentage. That is why it is important to have your merchant account customized to your needs. Well, that is about it on how processing fees are charged....thanks for your time......have a great and profitable day!!<br /><br />Phil Herrington "The Credit Card Guy"<br />1-877-500-PHIL (74457)<br />thecreditcardguy@gmail.comAnonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0tag:blogger.com,1999:blog-1835397676642178996.post-26782721504845975662008-09-17T12:24:00.000-07:002008-11-26T11:33:42.020-08:00Why I started this blog<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://www.compadvocate.com/images/overcharged-test.gif"><img style="margin: 0pt 10px 10px 0pt; float: left; cursor: pointer; width: 139px; height: 150px;" src="http://www.compadvocate.com/images/overcharged-test.gif" alt="" border="0" /></a><br />I have started this blog because I have been in the merchant processing business since 2001 and in that time I have found that <span style="font-weight: bold;">99% of merchants are either being overcharged by as much as 50% </span>on their merchant fees or if they are getting a new account their fees will be increasing over the next few years. So, I will be writing each day on how you as a merchant can be more informed by the merchant fees you are paying....my passion is to educate merchants on how to avoid paying those higher processing fees.<br /><br />Another reason I am writing on this blog is that I am tired of salesmen lying to merchants just to get them set up. I am here to tell you that there are still some honest salesmen out there where a handshake means something.Anonymoushttp://www.blogger.com/profile/11388668533321917725noreply@blogger.com0