Business owners Credit/Debit Machine

[Mr Bullshot]

I am a merchant account analyst and VISA/MASTERCARD rep. I can come to your business and get you a lower rate if you have a machine already. If you dont have a credit/debit machine I can also get you one.

There is no business I can not help. I can get you lower rates than you pay now, and possibly get you a cash rebate. So if you are tired of seeing your profits go to your processing company, contact me on here and we will set up a FREE analyst report to see how much you are losing.

The last few local accounts I have done has saved the businesses between 12,000-106,000 dollars.

You will never be asked to pay any money, the analyst report is also free, and you could qualify for a cash rebate or even 0% interest.


The money you are getting deducted from you processing accounts is YOUR MONEY. Cut down on how much the processing companies are taking from you.

On the average business every transaction of credit, the processing company takes 2.5-5 % which is $2.50-$5.00 out of every $100 you are processing. If your business processes $100k a month or a year, that is $2500-5000 they are just TAKING from you. I can reduce this and you will be making more money. This is just in credit processing, debit processing can also be reduced and in some cases you can get 0% processing on debit.

If you do not have a credit/debit machine I can also get you one. I also do portable machines for businesses on the go.

Give me a call and let me help you 601-716-1023

[a_cmc_2b]

I have always been curious as to why retailers have to pay to be able to accept credit cards for companies who are alreay charging the cardholder outrageous interest rates & even annual fees in some cases. I would think since the credit card companies make so much off of people buying with these cards that they should provide any retailer willing to allow them with the machines and not charge them anything. If anything the creditcard companies should pay incentives to retailers for taking there credit card.

So since you sell these machines, contracts, services, or whatever you choose to call it maybe you can explain it to me in a manner that maks sense.

[Powerman]

I was at the Hamburger House in Mize the other day when they were installing one of those machines. They had been a cash only place for 60 years.

[Nana]

So many folks these days don't carry cash or very little cash. Debit card for me is the way to go- don't have to haggle with merchants about phone numbers or DL number--just swipe and be on my way. And on the business side of the equation a debit card is wonderful- don't have to worry about somebody's check being bad.

Being a business owner I would like to know the answer too, a cmc 2b.

[TheCapitalist]

I ditched mine recently. Reason: the fees. And I did not get enough credit card users to justify, in my case...

[a_cmc_2b]

Nana, I hope you always use your card like a credit card and not debit. That way you never have to use your pin. Also some debit cards can be registered with the credit card company that sponsors them & then as long as your run it like a credit card you get the same benefits ( insurance, cash back, etc...) On one of my mastercard debit cards I get 1% cash back on every purchase. I know thats not much, but 1% to spend my own money is allright with me.

I think as a retailer if the credit card company is going to charge you for accepting there card then you should be able to collect that added expense from the customer using that card. Currently your only options are to either add a few extra % to your price for all your customers or loose that % to the ones who use a credit card. Neither of which sounds like a good thing for a small business.

[Nana]

I would think using it as a debit would be the best route as the business owner. It is a flat fee for debit but a percentage for credits, i.e. a $60.00 ticket would cost me .95 as a credit (sometimes more- depending on the class attached to the card) whereas with debit only .29. That is a .66 savings on one transaction. Since a large portion of my business is with plastic, over the month the savings could be substantial. The other thing about using debit vs. credit is that the customer is at the checkout counter and is able to put in his/her pin # and nothing can be changed on that ticket. I've not had a problem with changes on tickets at my place but I have heard people talk about it when going out to eat and the card is given to wait staff and brought back to the table and then when the statement comes in the amounts don't match. I like to avoid any possibility of that occurring as the owner and also when I go out and use my card. It just seems to me that it would be more secure for both the customer and the merchant.

[a_cmc_2b]

I would think using it as a debit would be the best route as the business owner. It is a flat fee for debit but a percentage for credits, i.e. a $60.00 ticket would cost me .95 as a credit (sometimes more- depending on the class attached to the card) whereas with debit only .29. That is a .66 savings on one transaction. Since a large portion of my business is with plastic, over the month the savings could be substantial. The other thing about using debit vs. credit is that the customer is at the checkout counter and is able to put in his/her pin # and nothing can be changed on that ticket. I've not had a problem with changes on tickets at my place but I have heard people talk about it when going out to eat and the card is given to wait staff and brought back to the table and then when the statement comes in the amounts don't match. I like to avoid any possibility of that occurring as the owner and also when I go out and use my card. It just seems to me that it would be more secure for both the customer and the merchant.

From the merchants perspective I agree 100%...From the consumers I prefer to use mine as a credit card for the added benefits that come with the credit card. Personaly I just don't like ever using my PIN with an audience standing around.

[Powerman]

Mr. Bullshot?