By Tom H. at Judy's Book November 12, 2013
It was a great hotel for the price. The room was very neat and the bed was comfortable as well which I loved. ...read more
By F & M Building and Home Supply March 03, 2011
We've used Sign-a-rama for several of our promotional items lately. They are very easy to deal with and do great work! ...read more
By Hecker Video-Video Transfer and Conversion Service October 05, 2009
For small biz web development call Content Visionary. Thanks for the connection. Lee www.heckervideo.com ...read more
Providing excellent health care to all his patients. With 9 years of practice and great hospital affiliation, Dr. Malek is able to provide you with total medical care. You're in great hands with Dr. Malek!As an adult medicine specialist, Dr. Malek and the entire team at Indiana Exceptional Medical Care focus on providing you with the very best treatment possible. You'll be treated with cutting-edge technology in an environment that is comfortable and conducive to healing.Forget about driving to the drugstore to receive your medication. Filling your prescription has never been easier with the addition of our convenient in-house dispensary.It's understandable that health concerns may cause a large amount of stress and anxiety. With assistance from Dr. Malek, you'll receive customized, professional diagnosis and treatment of your internal ailments. At Dr. Malek's office, we strive to ensure you receive the attention you deserve. That's why each member of our professional, friendly staff provides a customized treatment plan that suits your needs. Trust our 9+ years of experience to get you positive results. ...read more
By Indiana Exceptional Medical Care October 11, 2014
Get the Best Pricing Most business owners have difficulty understanding their merchant processing statement. Don't feel bad - it's intended that way. Let me explain: The majority of your business's payment processing costs are interchange and transaction fees. Processors use one of two pricing models to assess these charges to a business. The first is called tiered pricing, and the second is called pass-through pricing. Interchange is what issuing banks charge and is set by Visa and MasterCard. Individual processors have no control over this cost. Processors are able to select a pricing model on a business-by-business basis. So, any given processor will charge some businesses using tiered pricing and others using pass-through pricing.The pricing model a processor uses has a greater impact on cost than its rate. What is Tiered Pricing? A processor will charge a business based on its own set of qualified, mid-qualified and non-qualified rates. The qualified rate of a tiered pricing model is the lowest followed by the mid-qualified rate and finally the non-qualified rate. For example, rates of 1.69% qualified, 2.25% mid-qualified, and 2.99% non-qualified each with a $0.25 transaction fee are a typical example of tiered pricing. The processor effectively 'bundles' interchange fees, assessment fees, and its markup into its own rates, thereby completely concealing the fixed cost of interchange and assessments from unsuspecting businesses. The processor gets to choose which transactions are considered qualified, mid-qualified, or non-qualified. The ability to route a business's transactions to the rate of its choice allows a processor to increase the business's cost without having to increase its rates. All the processor needs to do is route more of the business's transactions to its higher mid and non-qualified rates. Tiered pricing results in a higher, inconsistent rate markup. Tiered pricing results in hidden costs to the business. Tiered pricing causes rates among processors to be incomparable. What is pass-through pricing? With pass-through pricing a processor bills interchange fees charged by banks and assessment fees charged by card brands directly to a business at cost with no markup. Essentially, these fixed costs are 'passed through' to the business. The processor makes money by charging its markup as a single flat rate and a single transaction fee. For example, 0.50% of sales volume plus a $0.10 fee for each transaction is a typical pass-through markup. Pass-through pricing is less expensive. Pass-through pricing eliminates surcharges. Pass-through pricing is 100% transparent: The three components of cost are reported separately on month-end statements, allowing a business to see a complete picture of fees. Pass-through pricing has the potential to be the most transparent, least expensive pricing model, but willing sales people know how to game the system. Don't assume a processor is offering competitive rates based solely on the pricing model. Be sure to look at the big picture and consider all rates and fees. The most accurate way to measure the competitiveness of a processor's rates and fees is to calculate the effective rate: Effective rate % = Total Processing Costs divided by Total $ Processed. What is your rate? Want more information on how you can lower your effective rate? Just give me a shout or shoot an email to: roger.waibel@netcompaysystem.net Roger Waibel National Merchant Partner, NetcomPaySystems 855-349-6131 ...read more
By Netcom PaySystem July 16, 2014
Get the Best Pricing Most business owners have difficulty understanding their merchant processing statement. Don’t feel bad – it’s intended that way. Let me explain: The majority of your business’s payment processing costs are interchange and transaction fees. Processors use one of two pricing models to assess these charges to a business. The first is called tiered pricing, and the second is called pass-through pricing. Interchange is what issuing banks charge and is set by Visa and MasterCard. Individual processors have no control over this “cost”. Processors are able to select a pricing model on a business-by-business basis. So, any given processor will charge some businesses using tiered pricing and others using pass-through pricing. The pricing model a processor uses has a greater impact on cost than its rate. What is Tiered Pricing? A processor will charge a business based on its own set of qualified, mid-qualified and non-qualified rates. The qualified rate of a tiered pricing model is the lowest followed by the mid-qualified rate and finally the non-qualified rate. For example, rates of 1.69% qualified, 2.25% mid-qualified, and 2.99% non-qualified each with a $0.25 transaction fee are a typical example of tiered pricing. The processor effectively "bundles" interchange fees, assessment fees, and its markup into its own rates, thereby completely concealing the fixed cost of interchange and assessments from unsuspecting businesses. The processor gets to choose which transactions are considered qualified, mid-qualified, or non-qualified. The ability to route a business's transactions to the rate of its choice allows a processor to increase the business's cost without having to increase its rates. All the processor needs to do is route more of the business's transactions to its higher mid and non-qualified rates. Tiered pricing results in a higher, inconsistent rate markup. Tiered pricing results in hidden costs to the business. Tiered pricing causes rates among processors to be incomparable. What is Pass-Through Pricing? With pass-through pricing a processor bills interchange fees charged by banks and assessment fees charged by card brands directly to a business at cost with no markup. Essentially, these fixed costs are "passed through" to the business. The processor makes money by charging its markup as a single flat rate and a single transaction fee. For example, 0.50% of sales volume plus a $0.10 fee for each transaction is a typical pass-through markup. Pass-through pricing is less expensive. Pass-through pricing eliminates surcharges. Pass-through pricing is 100% transparent: The three components of cost are reported separately on month-end statements, allowing a business to see a complete picture of fees. Pass-through pricing has the potential to be the most transparent, least expensive pricing model, but willing sales people know how to game the system. Don't assume a processor is offering competitive rates based solely on the pricing model. Be sure to look at the big picture and consider all rates and fees. The most accurate way to measure the competitiveness of a processor's rates and fees is to calculate the effective rate: Effective rate % = Total Processing Costs divided by Total $ Processed. What is your rate? Want more information on how you can lower your effective rate? Just give me a shout or shoot an email to: statements@ourlegacylife.us Roger Waibel, National Merchant Partner 855-349-6131 ...read more
By Our Legacy Life July 16, 2014
Small businesses can benefit from accepting credit cards. Credit card processing companies now recognize that you may need to take a credit card while away from your office and have made that easy to do with your phone. Credit card machines come in a number of sizes, and small businesses have a variet... ...read more
Making a living from home offers independence and unlimited potential. To improve a home business strategy, explore the areas of your business that might benefit from a change. Home office organization, marketing strategies or communication with clients may be areas in need of improvement. ...read more
