INTERCHANGE MERCHANT SERVICES
Is a Licenced Bank Agent of Card Connect(.com) & On Fire Merchant Services. A First Data Affiliate Accredited Merchant Services Processor.
Interchange Plus Processing Rated for All Merchants reguardless of Product-Size-Volumn or Type of Equipment
All rates/fees Disclosed
Transparent Statement Disclosure
U.S. Based
Most accounts approved w/i 24 to 72 hours
Our 3 Core Strengths ..
1)Transparency:
Finally! On Interchange Plus pricing, you are litterally Processing Directly on the same Platform as Visa- MasterCard Discover & Am Exp. The Costs Savings are more than Substantial. Whether costs are Paid Internally by your business, or if You choose to deligate all or a portion of Processing Costs to clients. We can set that up for you.
2) Consistency! Long-term savings are our Trademark. We don't play the Rate Game. No tiered pricing shell games. No more moving goalposts. Just Stability!
3) Real Customer Service is a mere phone call to us. Please! Feel free to delegate any client issues to our On Fire Team. Issues like Chargebacks, MID verification, duplicate charges etc ... No more! Skip the endless pointless on hold sessions waiting for a non resolution. It's just Handled.
Get to know us ...
Interchange Plus is Universally recognized across the payment industry as the most transparent, cost-efficient, card processing model available to merchants ... Period!
Keep the profits "you risked and worked hard" to earn.
Results are Always Measurable on your P&Ls under "Cost of Sales / Cost of Services"
Our platform uses Interchange-Plus pricing, the model preferred by knowledgeable merchants who use it, by a 10 to 1 margin.
Why? and How does it work?
Interchange Plus clearly captures the true Bank to Bank Card Carrier cost of each transaction seperately & independently. This is What you Pay plus mere pennies per $100 for accounting/processimg. And this accounting/processing cost is fixed & Never Changes.
Easy to read. Easy to understand & evaluate. Clearly the most transparent, cost efficient means of processing available today.
The Devils Advocate ...
So if Interchange is So Darn Good, then why doesn't every processor promote this as their 1st Choice to Present to businesses?
2 reasons!
1) The Profit margin is minimal. This platform is typically offered ONLY to high volumn merchants deemed too valuable too loose in 18 motnths.
2) Most processors don't trust field agents to explain the "how it all works" in such laymens terms as these. Plus the accompanying monthly statements are full disclosure so Merchant can see Everything. Not good if non-disclosure is their business model.
How Traditional Processing Works Against Most Hard Working BusinessesLet's Compare...
Hidden tiers.
Confusing buckets like these;
Debit &/or Qualified
Mid-Qualified
Non-Qualified
Busness Rewards
Most processors, probably yours, use a 4 tiered pricing structures commonly called “buckets or tiers” Transactions are then grouped into broad categories & then SHUFFLED into higher blended tiers. And worse, when a transaction qualifies in 2 or more tiers, it WILL always clear in the "higher tier".
Over time, good merchants like yourself, often find their effective processing costs gradually creeping up & up & up, as more transactions are redirected into higher-priced buckets or tiers..
Not the definition of doing "Smart Business"
---
From our Legal Dept.
WHAT IS INTERCHANGE by "Definition"?
Interchange is/are the base transactional bank to bank costs (rates &fees) esstablished by the major card carrier's networks in conjunction with & for banks.
Finally approved & published by the FTC for processing credit & debit card payments through the carriers & their banks & processors ie.
Visa
Mastercard
Discover
American Express
FYI
Within the interchange network there are litterally hundreds (307 @ last count) of individual card clearing categories, each with its own clearing cost depending on risk ie. card type, transaction method, and business classification.
When processed, the network instantly assigns each transaction to the lowest True & Independent cost in real time.
With Interchange-Plus processing, you are billed that True Clearing Cost plus a pre-agreed upon cost of accounting & processing.
That fractional accounting & processing cost is measured in just a few pennies per $100 processed. (basis points) And That # Never Changes!
Ever!
Simple - Transparent - Consistant & Efficient
---
WHY MERCHANTS PREFER INTERCHANGE PRICING
• Transparent pricing structure
• No hidden rate tiers
• Significant immediate cost reductions & Lower long-term processing costs
• Easy verification on your monthly statement
*No Changes ie. Cost Pricing Structure changes. The same today, tomorrow & for the length of our agreement. We have clients who are with us more than a decade.
What can I expect?
Many merchants see 10% to 40% reductions in total processing expenses after taking a closer look, via your current statement vs interchange based pricing. The process can be done by phone or video conference in about 5 minutes. Your statement never leaves your hands.We Invite you simply take a look. We at I M S truly believe it's not just the Smart Choice. It's the way you would have designed it!
---
ONBOARDING & SUPPORT
Interchange Merchant Services works with our onboarding partner:
On Fire Merchant Services
Their experienced onboarding team handles:
*
Merchant application setup
Equipment configuration
POS system integration
Ongoing account support
Chargeback assistance
Most merchants are approved and operating within 2–3 business days..
Get in Touch Directly
Call us at 720-296-9046
Email us at lskodack@gmail.com
