We have the ability to work with a variety of programs vs. one standard program which the majority of processing companies are locked into. Since each and every business has different needs, we don't believe in "one program for all", what works for one doesn't necessarily work for the next! It's a little like the credit cards you may carry if you pay your balance in full every month, the interest rate is not important but not having an annual fee is, whereas, if you carry a balance, a low interest rate may be worth paying an annual fee. We work with you to determine the program that best fits your needs and we make it stress free!

OUR RATES REFLECT THE RATE INCREASE IMPLEMENTED BY MASTERCARD/VISA AS OFF 4/1/04.

Service	Our Rates	Industry Standard Fees (others)
Discount Rate- Retail	1.61%-1.69%	1.77%-3.65%+
Discount Rate- Internet/Mail Order/Phone Order	2.05%-2.25%	2.6%-15%
Monthly Minimum Quotas	NONE. No monthly minimum quota to meet or penalties to pay if quota is not met.	$25-$50
Require a business checking account	NO, a sole proprietorship does not require a business checking account, a personal checking account may be used.	YES
Application Fee	FREE	$95-$395
Training/Installation Charge	FREE	$95-$195
Site Inspection	FREE	$50-$150
Setup Fee	FREE	$50-$295
Shipping/Mailing/Postage	FREE	$50-$75
Amex/Discover Setup	FREE	$75-$150
Check Guarantee Setup Fee	FREE with credit card processing.	$295
Application Approval Time	Same day (on faxed applications) to 3 days on high volume accounts (over $100,000 a month).	2-6 Weeks, or more!
Statement Fee	$.00 - $9.50	$10-$20
Transaction Fee (Per)	Retail-$.25, Mail/Phone/Internet-$.30	$.25-$1
Per Ticket Item Surcharge	FREE	$.12-$.50
Equipment Leases	As low as $35 per month, Lease to Own, lease is always transferable. Overnight replacement warrantee is included! (a $15 a month value)	$49-$100 per month, 48 month lease, lease often non-transferable, little or no warrantee on equipment.
Upfront Lease Fees	NONE	First and Last lease payments up front are standard.
Equipment Purchase	Starting at $950. Warranty included.	$1195-$2895
Equipment Warranty	Lifetime Overnight Replacement Warranty is included!	$10-$15 per month
Equipment Maintenance Package	FREE	$10-$25 per month
Customer Support	TOLL FREE 24/7/365 for clients* (separate number)	8-5 pm Mon-Fri
Customer Advocacy	Call US!	None
Access to Funds	48 hours to Your Current Bank Account, we don't ask you to open a checking account with us, so you get to keep your current banking relationship!	48 hours to 30 days, sometimes you are required to have your checking account through the processor.