If you’re a merchant, you know the importance of accepting credit cards from your customers and how it has become a near necessity in today’s marketplace. Unfortunately, you probably also know all too well the heavy cost that comes along with it.

You may have tried changing processors only to find that you’re still paying just as much, if not more than what you were initially quoted. You may be thinking that no matter which company you go with, it’s going to be the same.

You start to face the reality that unless you’re a huge corporation, your relationship to your payment processor and the rates they’ve offered are directly related to the size of your business and the volume of your monthly credit card transactions. Most merchants feel that there are not many choices. Either they accept the costs associated with taking credit or they become a cash-only merchant and limit their customers.

Sekure Card Services offers a far better solution where merchants can have their cake and eat it too! While you’re not going to grow four hundred times your size overnight, Sekure Card makes it possible for you to access much lower rates by becoming one of the 400 plus merchants we work with every month. This volume allows us to get you the lowest rates possible with very little effort on your part.

If you were to negotiate with a processor you would be negotiating your volume, now every processor wants a new merchant but your volume always dictates the rates they will offer you. Not only will you have to do all the legwork but you will also have to do the entire necessary due diligence that comes along with selecting a new processor.

However, working with Sekure Card Services has other perks than just the lowest rates. Free Equipment, early termination fees reimbursement and an unparalleled support and integration team are just few things that come with our service.

Our service is free without any obligation whatsoever. Simply fax us your most recent processing statement and one of our many professional will call you within 24 hours with an easy to understand “side by side” cost analyses of your rates.

SekureCard Services has an excellent support staff available to assist you. Accepting credit and debit is a necessity in today’s business environment and a very important aspect of your business. Electronic payments already make up the majority of consumer spending and are increasing at a rapid rate. We understand the importance of having nothing but the best in customer support and service for any need or question you may have, big or small. Our integration team is available for all your POS and terminal needs, whether its reprogramming equipment, assisting in updates or transaction inquiries.

We are dedicated to supporting you in every step of way. We believe strongly in after sales support and customer referrals accounts for 30% of our business. Sekure Card is quickly becoming a trusted name in credit card processing and has been advocating for merchants since inception.

We are always honored when a Merchant allows us to analyze their statement, whether it leads to a new customer or simply empowering a merchant with valuable information. SekureCard reviews thousand of credit cards statements every month. We attract a wide variety of potential customers ranging from savvy business owners looking to cut costs, to some merchants that actual feel like they have been taken advantage of or even been victim of a scam.

Whatever your reason may be, Sekure Cards staff of over 150 professionals is ready to help. If you would like a free analysis of your statement without any cost or obligation then call us today or visit us online.

www.sekurecardservices.com

1-866-437-3189 ext.225

TERMINAL LEASING

Unfortunately there are numerous ways a merchant can fall victim of a scam when shopping for payment processing services. One of the most common, as well as financially damaging, is leasing a credit card terminal.

Far too often some smooth talking salesperson convinces a merchant their current equipment “isn’t compliant” or “needs to be upgraded”. Surprise, surprise… they have the perfect solution! They offer a state-of-the-art terminal that is always much more expensive than you’d expect. Surely you wouldn’t want to pay thousands of dollars upfront for such a sophisticated new machine. The rep then cuts you a great deal with reasonable monthly payments for the next four years and the machine is yours.

What isn’t brought up is that the leasing agreement can’t be cancelled and the true value of the terminal is usually no more than a few hundred dollars. It isn’t uncommon to pay well over ten times the value of the terminal over the length of a lease. Many of these agreements aren’t even lease to own, and  in some cases the equipment may be refurbished or less current than the previous terminal.

Most reputable companies will provide you a free terminal as a loaner or simply sell it to you at cost. Often the equipment you have is perfectly fine and can be reprogrammed in a few minutes over the phone. SekureCard Services  has a full integration team for ease of switch or reprogramming your equipment.

Sekure Card Services has had only one complaint with the BBB (Better Business Bureau) which was successfully resolved, thus giving us an “A” rating CLICK HERE to see SekureCards BBB rating.

If you wish to have a review done of your processing statement and fees you can contact us at,  1-866-437-3189 ext.225 or visit us online at, www.sekurecardservices.com

Merchants’’ often feel scammed and often have complaints about the cost associated with accepting credit cards from there payment processor.

A payment processor is a company appointed by a merchant to handle credit card transactions, and is usually broken down into two types: front-end and back-end.

Front-end processors have connections to various card associations and supply authorization and settlement services to the merchant’s banks’. Back-end processors accept settlements from front-end processors and, move the money from the issuing cards bank to the merchant’s bank.

In an operation that will usually take a few seconds, the payment processor will both check the details received by forwarding them to the respective card’s bank or card association for verification, and also carry out a series of anti-fraud measures against the transaction.  Once the payment processor has received confirmation that the credit card details have been verified, the information will be relayed back via the payment gateway to the merchant, who will then complete the payment transaction. If verification is denied by the card association, the payment processor will relay the information to the merchant, who will then decline the transaction.

SekureCard services support merchants’ with a fast and reliable payment system that includes;

• Credit Card Processing,
• Check Acceptance,
• Fleet Card Acceptance,
• Wireless Payments
• Gift Card / Loyalty Programs,
• Online Payments,
• Mail / Phone Payments
• Business Cash Advances

As each service has a cost associated with it it’s important to understand how those fees are established so merchants’ can understand how best to make use of their payments services.  Sekurecard ™ services include over 100 professional looking to keep their merchants abreast with changes, making sure right POS (Point of sales) equipment is used and that the services they provide are understood, saving merchant’s money and easing the process so they can grow their businesses without feeling scammed by their payments processor.

Please see below for more information regarding SekureCard Services, or visit us online at, www.sekurecardservices.com

Corporate Sales:

Phone: (866) 437-3189 ext.225

Email: info@sekurecardservices.com

Statement Analysis:

Fax or email your most recent statement to:

Fax Numbers: 1-888-990-9929
 or 1-888-990-9932

Email: analyze@sekurecardservices.com

Because of ties between certain key processors and point of sales system providers, switching your merchant services provider can sometimes be an investment. Licensing fees, service contracts and a variety of other costs are an unfortunate but necessary hurdle for some businesses. However, switching providers can often reduce your expenditures and the savings over just a few months can often cover the cost of your POS switch.

The obvious question is, what’s the best way to do it?

On a local level, this process is often extremely difficult. Conflicting information from various sales reps can make the process long and confusing. The vested interest of  small time sales reps (signing bonuses, monthly residuals, etc..) make it hard to know who to even believe and some merchants have specific complaints about being scammed by false statements of being unable to switch. The last thing any business owner wants is down time or compatibility issues added to their already overflowing dance card.

In some ways, the idea of switching almost becomes more overwhelming than actually making the change. That is exactly what these various companies want. The more you feel restricted, the safer their pay checks become. They want you to feel quick and easy solutions simply doesn’t exist. They do.

In these situations you need someone who stands to gain less financially off of your account than a sales rep. Someone who simply presents the facts and leaves you to make the best choice for your business.

SekureCard Services has already integrated thousands of POS systems and continues to work with hundreds of Merchants every month. Sekure Card has access to low rates, budgets and tech support a local rep just can’t offer. By working with hundreds of merchants every month and millions of dollars in volume, Sekure card services can get you a wholesale-style rate on payment processing you simply wouldn’t get as a single business.

Aside from heavily discounted rates, SekureCard Services can also pay all or most of your POS re-licensing fees or switch fees depending on the total cost to switch. This is usual decided on a case by case basis.

Unfortunately there are some systems (Quickbooks POS, Flex Track, TeleFlora) that simply won’t integrate with anyone but a single processor. At this point another question becomes a key factor:

Should I run my payments without integrating it with my point of sales system?

As much as it goes against popular opinion, the answer is often yes.

Many businesses (including retail environments) have a relatively small number of transactions in a day. By processing through a separate terminal and manually entering the transactions into your POS, you can have your cake and eat it too! The added work involved is remarkably small and the long term savings can be a major help to any operation.

Every situation should be assessed individually, and based on each merchants needs and requirements. SekureCard has many specific software plug-ins like Charge Anywhere. This program creates a new drop down window in Quickbooks Enterprise, Pro and other packages. This allows you to stay integrated in a way that seamlessly blends with your day-to-day operations.

Always remember that you have options. SekureCard Services is your best defense against the potentially high cost of switching your POS system and getting a low cost rates. Have Sekure Card review your statement today by calling, 1-866-437-3189 or visit us at www.sekurecardservics.com

Interchange fees or rates are determined and set by the issuing bank. The issuing bank is the bank that distributes or offers the branded credit card (Visa, MasterCard, etc.) to the consumer. The interchange rate, which is the bulk of the fees Merchants pay for accepting credit cards, will vary depending on several factors. These include but are not limited to risk level, transaction amount, and how the card is accepted (swiped or keyed). In short, the riskier the transaction, the higher the rate will be.

This predetermined interchange rate is the basic cost that all processing companies work with, mark up accordingly and then charge to the merchant. Processors will either bill their Merchants on a tiered setup or an Interchange plus setup. Tiered billing consists of categorizing the merchant’s credit card transactions into 3 or more categories. The basic categories are, qualified, mid-qualified and non- qualified. From there, processing companies will mark up the interchange rate an average of 30 to 80 basis points and also mark up the transaction fees. Other fees, such as monthly statement fees and batch fees, are also quite standard. Interchange plus billing is a little different. The processor will pass on the actual interchange rate established by the issuing bank and then charge a separate fee or rate. This allows the merchant to have some transparency in what the real costs are and this usually results in a more cost effective solution for the Merchant. Beware of the flat rate scam, this is a deceitful practice often used by local agents or sales reps where a flat rate is offered without the mention of interchange being added. As an example, you may be offered a flat rate of 1.20%, when in actuality this is in addition to the interchange cost.

SekureCard Services offers both, tiered and Interchange plus. SekureCard usually prefers to offer an “apples to apples” comparison and will work with whichever setup the potential client is currently on. SekureCard always offers very close to cost rates so whether you’re on a tiered or interchange plus, you can rest assured that we will find you the best deal out there. In keeping with our philosophy of transparency, we will openly share that SekureCard Services has had only one complaint with the BBB (Better Business Bureau) which was successfully resolved, thus giving us an “A” rating.

If you would like a free analysis of your statement without any cost or obligation then call us today or visit us online.

www.sekurecardservices.com

1-866-437-3189 ext.225