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After last week’s conversation about the individual fees that appear on your processing statement, it’s time to step back and take a broader look at the big picture. Over the years, we’ve learned that business owners often focus on the rate they were quoted, assuming that percentage alone determines whether they’re getting a fair deal. In reality, your rate is only one small part of your total processing cost.   The first and most telling number to understand is your overall effective rate. This is the actual percentage you pay when you divide your total fees by your total processing volume. It accounts for everything: the discount rate, per-transaction fees, monthly minimums, statement fees, and any additional charges. It reveals the truth that a low advertised rate can

If you’ve ever opened your merchant statement and felt the urge to squint or sigh, you’re not alone. One of the most common frustrations business owners bring to us is the confusion around the many fees that appear on their processing statements. December is an ideal time to look more closely at these costs, because even small adjustments can make a significant difference in your bottom line for the coming year. Now, let’s look at a few fees you might encounter on your statement. Not every processor will have all of these fees, but it’s good to understand what they are so there are no surprises.   Let’s begin with the monthly minimum fee. This fee ensures the processor earns a certain amount each month. If your business

December has a way of sneaking up on us. One minute we’re coasting through fall, and the next we’re knee-deep in holiday rush, end-of-year demands, and the kind of chaotic energy only business owners truly understand. But buried beneath the noise is an invaluable moment; a chance to slow down long enough to really look at your business with clear eyes.   At TMC, we’ve learned something after spending decades working alongside entrepreneurs: a strong new year doesn’t happen by accident. It is intentionally crafted long before January arrives. And mid-December just might be the perfect time to begin that work. The first question to ask yourself is simple: What story did this year tell? Every year reveals patterns, and those patterns hold the keys to building a

I was headed to Olympia when a bright red Snap-on truck rolled past, an eagle spread wide across the back. Something about that eagle made me think of Shaun Adams.   Shaun had been one of our merchants for more than twenty years- a loyal, passionate, high-D driver who threw himself into his work and his relationships with the same energy.   Shaun was excellent at what he did. He served his clients with confidence, passion, and a genuine love for people. Every visit to our office brought stories about his family, laughter, and that unmistakable spark of someone who really lived (and loved) his work. In credit card processing, the conversations aren’t always easy. No one loves rate increases or equipment upgrades- especially for mobile merchants like

    It’s 8:02 a.m. The doors just opened, the first customer walks in, and your point-of-sale system already froze. Again. You give it the “come on, don’t do this to me” tap, but it’s not having it. Behind you, your barista is asking for change, your manager needs a password, and someone’s trying to pay for a $3 coffee with a watch.   You didn’t open a business to fight with technology. You opened it to serve people.   And that’s where Clover changes everything. Finally. Checkout That Moves as Fast as You Do Clover isn’t another piece of tech to babysit. It’s your business wingman; fast, reliable, and ready wherever work happens. Clover Flex is your “grab-and-go” hero, a handheld powerhouse that takes chip, tap, or

  There comes a point in every growth journey when life crosses its arms, tilts its head, and asks,“Do you really believe what you teach?”   I’ve spent years reading, writing, and creating tools about personal development. I’ve stood on stages encouraging people to expect, embrace, and employ change- to trust that every disruption carries a divine invitation to grow. I’ve coached others to find gratitude in the middle of the storm.   And then life decided to hand me my own syllabus.   Suddenly, every principle I’d ever learned or written stared me down. Do you really trust the process? Do you believe in purpose when your heart’s breaking? Will you practice gratitude when it feels like loss has the last word?   The truth is, theory