Are you a local business owner that is currently accepting Visa, Master Card, Discover, American Express, Check Debit Cards, Checks, or EBT? Are you a Business Owner that is looking to start accpeting Visa, Master Card, Discover, Amercian Express, Check Debit Cards, or Checks?
Finding the right Company to manage your Electronic Payments is not an easy choice. This is a BIG decission! After all most consumers out there pay with one form of Credit or Debit card. But how do you find that right Company that's going to manage your Electronic Payments in a way that's not going to break your bank with high rates? Or setting you up with processing stations that are un-reliable or just don't fit your needs? What about answering questions you may have on your monthly statements? Techincal problems you maybe experiancing? Where do you turn to get the answers and help that you need? Most Company's in this day have you call a 1-800 number and then you spend hours fumbling through their automated system trying to speak to a live PERSON! It's frustrating and can waste a lot of valuable time that you could be using to run your successful business.
But how do find the RIGHT Company?? When looking into something as important as, Managing Electronic Payments, there are some questions you should ask yourself:
1.) How many cards do I accept in a Day? Week? or Month? and what TYPES of cards am I accepting? The type of card accepted is the BIG question. Why is this a big question? Well the type of card used, by your customer, equals the type of rate your charged. There are 4 different rates, for the different cards that consumers use. There is a Check Card Rate, Qualified Rate, Mid-Qualified Rate, and a Non-Qualified Rate. Check Card Rate: This is when a consumer has a Debit Card but instead of using it with their PIN, it's ran as a Credit Card. Qualified Rate: This is when a consumer has a regular Visa, Master Card, credit card. No rewards or flyer miles. Mid-Qualified Rate: These are cards that offer REWARDS. Non-Qualified Rate: These are Corp. Cards, Small Business Cards, Forgin Visa Cards, and if the card has to be manually enter. To find out the answer to how many cards and what type, look at the statement your provider sends you each month. This will tell you how many transactions you had and how many for each rate.
2.) Am I set up correctly? But most important am I PCI compliant? How do I know if I'm set up correctly? How do I know if I'm PCI compliant? What is PCI compliant? PCI compliant means that your processing equipment is up to security requirments. An easy way to find this out is to go to the PCI Counsels website and take their questionair. Being PCI compliant can save you your business. Most Credit Card fraud is done by HACKERS. They target small business to obtain the card informtaion they need. Now you may think this could never happen to me. In reality, if your not already PCI complient, it may of already have. Some people think so they got that informtation. It doesn't affect me. Wrong!! All major credit card company's track each customers purchases and compaire them to that persons normall spending habits. If they suspect that a customers information has been obtained by an outside source, and it's tracked back to you, it means major fines for you. Most fines range from $15,000-$30,000 per transaction. NOT customer! TRANSACTION! This can cause you to lose your business.
3.) What kind of service am I revieving from my current Electronic Payment Managing Company? Is it face to face local service or do I get put on hold for 45-65min when I need to contact them?
These are three very important questions to ask yourself about your business and your provider.
Now that I've got you thinking, I would like to introduce myself. My name is Margarett Worley and I'm an Account Executive with Central Payment. Now you maybe wondering why did she just give me all that information, if she's just going to try and sell me something. That's a good question, and I have just as good of an answer. I believe that everyone should have as much information as possible for any service we receive. The more we know the better protected we are.
As I mentioned, I work with Central Payment. Central Payment is an Electronic Payment Processing Company. Our home office is in Larkspur, Ca. We have an A rating with the BBB and have over 50,000 customers and growing. Now you maybe thinking, what kind of service can they provide me if their in Cali? Central Payment adopted the philosphy that your car insurance uses. One company that is made up of the indivdual agents.
What I offer you: (I have ranked these starting with what is MOST important to me)
#1 Quailty Service. Now you maybe saying I've heard this before. I am avaible to you 24 hours a day/ 7 days a week/ 365 days a year. You can always reach me. Not my secretary, no calls to Cali, and not Bob my neighbor next door. It will be me directly. If you have questions about your monthly statement just call. I'll come to you answer your questions or any problem you might have with it. Your system is acting funny. I'll be right there to get it up and going for you in the fastest way possible. Need helping programming your system for a big promotion you wanted printed on your receipt? Just call, I'm right there for you.
#2 Are you set up correctly and (MOST IMPORTANT) PCI Complient. I won't try to get you the most expensive processing system to make a buck. I will find out exactly what you need and match you with the system that is right for you. Do you need a Tip Line on the reciept? Invoice Numbers? What do you need to run your business efficiently?
#3 Rate. Are you getting the best rates possible for the types of Credit/Debit Cards you accept? I will do a FREE NO OBLIGATION anlyis of your current rates compaired to what I offer. Savings can be as little as $10.00 a month or considerbly more. I also come with a GUARANTEE! If I can not save you money on your Credit Card processing costs, I will send you a check for $250.00 (With-in 5 business days). This is my way of thanking you for the oportunity to meet you and letting me take up some of your valuable time.
My main purpose for posting this is 1.) Offer my SERVICES to you 2.) Make you a little more informed.
If your intrested in having an anlyis done or have any questions for me concerning Electronic Payment Processing, or questions about Central Payment please give me a call.
Margarett K Worley Account Executive Central Payment Office: 720-951-7784