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.

One of the biggest problem facing merchants accepting credit cards is fluctuating rates. Merchants often enter into agreements with credit card processing companies at established rates, only to find these rates “creeping up” anywhere from one to four times a year. These increases are rarely “red flagged” on the statements which, as a rule, are quite complicated and difficult for the average merchant to understand or review. As well, increases will come in different forms such as, an increase in basis points, transaction fees or monthly fees. As such, these increases look nominal but, in fact, they can have substantial impact on the merchant’s bottom line.

SekureCard Services, a merchant services broker servicing merchants throughout the United States, connects credit card processors with merchants looking to save money on their processing rates. SekureCard typically deals with a few hundred merchants per month, and often guarantees rates for 36 months, therefore addressing the above concerns and complaints merchants have with regular rate hikes. Establishing guaranteed, competitive processing rates can save merchants substantial, bottom line dollars.

Merchants accessing processors through SekureCard Services are offered additional services by the brokerage. An accounts manager is assigned to each merchant. The account manager completes the application process with the merchant, making sure that all required documents are submitted correctly. However his / her responsibilities do not stop there. The accounts manager becomes the “go to” person for all issues relating to credit card processing. Up-grades, adjustments, repairs, billing inquiries etc. can all be addressed by the accounts manager. Removing this tedious responsibility from the merchant frees up valuable time and ensures that all processing related issues will be handled quickly and effectively.

Merchants who are referred to credit card processors by brokerages such as SekureCard Services inevitably access competitive rates rarely available to agents with specific geographic territories and representing only one processor.  These commissioned based agents are encouraged to maximize their earnings by applying elevated rates. They also frequently lease and, or sell terminals at exorbitant rates. Merchant’s should never be obliged to pay for terminals in any way, and leasing is considered to be a scam. It is the responsibility of the processor to supply state of the art equipment to their merchants, without exception.

The safest, most efficient and cost effective way to access credit card processing is through a merchant service broker such as SekureCard Services.

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

One of the greatest misconceptions in payment processing is the benefit of a local rep. In many ways it is a quaint and old-fashioned notion. It almost hearkens back to the days of going to your local butcher, the neighborhood bakery or getting milk delivered to your door. You have the warm and fuzzy feeling of knowing someone from your community has your business’ best interest in mind. They periodically drop in to say hello, or maybe they are an acquaintance or were recommended by your local bank. They are relatable because they service your area.

Unfortunately, this antiquated approach is absolutely one of the most costly ways of handling your business’ payment processing needs. Local reps often don’t make any reliable form of pay. They exist solely off commission and signing bonuses. In this feast or famine situation, most reps will understandably say anything they need to for you to sign on the dotted line (regardless of how legitimate their claims are).

They also often work for third or fourth party resellers for much larger processing companies, keeping you further and further away from the actual processor while keeping as many thumbs in the pie as possible. With all of these factors at play there’s almost no way to get a truly competitive rate on a local level with a local agent.

Typically a local rep will approach a business offering great savings. However, because they will have to survive off of a percentage of your processing fees in years to come your volume 100% dictates your pricing. Usually you end up with a very low introductory offer or “teaser quote”. The quote is intended to lure you in to signing. Many local reps will also claim to do you a favor by leaving the agreement as a commitment free month-to-month agreement. This also means there is no real guarantee that the pricing will last while keeping you comfortable.

These very simple sales tactics then set the stage for what will eventually lead to hundreds of online complaints and negative reviews. What you may not be aware of is that your new rep has received a rather lucrative signing bonus, another kickback when your new account is approved, and yet another when you are “plugged in” and processing. This allows them to coast for a few months while you, confident in your new deal, gradually stop paying close attention to your monthly billing.

Because you now represent monthly residuals to this rep they will gradually increase your fees to boost the account’s profitability. Previously undisclosed corporate fees, non-compliance charges and customer rewards programs typically start popping up on both your statement… and the withdrawals from your checking account each month.

My best advice to any merchant is to approach your payment processing just like your larger, nationally franchised competition. THINK BIG. Instead of bouncing back and forth between numerous smaller local companies, essentially all working in the exact same way I’ve described above, THINK BIG.

The Wal-Mart’s of the world get great rates because all of their locations, and their volume, move as one. Working with industry specific buying groups, and large established processing brokers like SekureCard Services are the easiest ways to access this type of pricing.

Sekure Card Services has a very simple model. We work with volume, instead of working with a few merchants a month as a local rep might; we work with a few hundred merchants each month, and thousands every year. You can have your statement reviewed for free, without any cost or obligation.

SekureCard will also pay your current company’s early termination fees, supply free equipment or terminal reprogramming and various other things that others charge for or won’t even do. SekureCard is one of the few companies to actually pay money against POS switch fees instead of relying on projected savings. We also have a dedicated customer support and technical integration team to provide a much higher level of assistance than a single rep, despite that rep being a few minutes away from your business. SekureCard only has one complaint with the BBB that was resolved, giving us an A rating. CLICK HERE for SekureCards BBB rating.

If you’re looking to reduce expenditures in what is a rocky financial time for all of us, I would highly suggest broadening your horizons. To maximize your profits, you will definitely have to look further than your back yard when it comes to payment processing.

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

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