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WHY the Smiley? Lots of people ask us “What in the heck does a SMILEY FACE have to do with Credit Card Processing and why does everything TMC does, have a Smiley attached to it?”- we love the question and here is the simple answer. MOST business owners do not find JOY in working with their credit card processor- in fact, quite the opposite! So when we decided to take care of businesses and their processing needs, we knew we had to be different. The SMILEY FACE sends a certain message: We are glad to see you, hear you, work with you and to be of service. We CARE about you and we will do everything we can to put a smile on your face. Credit card processing is one of the products we provide but Taking Care of People and delivering a SMILE WORTHY experience is who we are and WHY we do what we do.
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WHY the Smiley? Lots of people ask us “What in the heck does a SMILEY FACE have to do with Credit Card Processing and why does everything TMC does, have a Smiley attached to it?”- we love the question and here is the simple answer. MOST business owners do not find JOY in working with their credit card processor- in fact, quite the opposite! So when we decided to take care of businesses and their processing needs, we knew we had to be different. The SMILEY FACE sends a certain message: We are glad to see you, hear you, work with you and to be of service. We CARE about you and we will do everything we can to put a smile on your face. Credit card processing is one of the products we provide but Taking Care of People and delivering a SMILE WORTHY experience is who we are and WHY we do what we do.
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Three Payment Terminal Options for Three Different Ways of Doing Business

Sir Smiley August 10, 2026

There is no single payment terminal that is right for every business.   The best solution depends on where customers pay, how employees serve them, average transaction size, processing volume, connectivity, and whether the business needs payments to stay at the counter or move throughout the operation.   Before choosing equipment, start with the same factors that should guide any processing decision. What Should a Business Consider First?   Processing Volume: Seasonal and lower-volume businesses may need flexible options with fewer fixed costs, while higher-volume businesses may benefit from equipment and pricing designed for frequent daily use.   Transaction Size: Customers may use debit cards more often for smaller purchases and rewards cards for larger purchases. The average ticket can affect processing costs and the type of checkout

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Is Your Payment Terminal Still the Right Fit for Your Business?

Sir Smiley August 3, 2026

Your payment terminal may still turn on every morning, but that does not automatically mean it is still the right fit for your business.   Businesses change. Customer expectations change. New payment types become common. A company may add a second checkout area, begin serving customers away from the counter, or discover that an old equipment agreement is costing more than expected.   Choosing the right terminal is not only about the machine. It is also about having the right processing partner to help you evaluate how your business operates, what your customers need, and what you are paying. Does Your Processor Recommend What Fits, Not Just What Sells?   Integrity matters when selecting payment equipment. A trustworthy processor should ask questions before recommending a terminal. Where do

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30 Years In, We Still Believe Business Owners Should Know Their Numbers

Sir Smiley July 26, 2026

Hey, Did you know?   The way you manage your goals directly affects the performance of your payment processing program. As TMC celebrates 30 years of serving businesses, we are reminded that strong businesses do not grow by accident. They grow when owners pause, review, ask questions, and make thoughtful adjustments along the way.   That is why a mid-year check-in matters. We are halfway through the year, which makes this the perfect time to look at what is working, what needs attention, and whether your systems are supporting the business you are trying to build. Are your business goals on track? Are your payment tools helping or slowing you down? Are your customers being served well? Are your fees, statements, and processing costs clear? Are your systems

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The Day Checkout Started Working With You

Sir Smiley July 19, 2026

It is 8:02 a.m.   The doors just opened, the first customer walks in, and your checkout system is already making the day harder than it needs to be.   The screen is slow. The receipt printer is moody. Your team is waiting for a manager password. Someone wants to tap their card. Someone else wants to use their phone. Your line is growing, your patience is shrinking, and you are doing the little “please do not do this right now” tap on the screen.   You did not open a business to fight with technology. You opened it to serve people.   That is why the right Point Of Sale system matters. Checkout Should Support Your Business A good checkout setup should help your day move smoother.

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30 Years Of Helping Businesses Choose The Right Way To Get Paid

Sir Smiley July 12, 2026

Hey, did you know?   The right payment processing solution is not always the one with the most features. It is the one that fits the way your business actually works.   As TMC celebrates 30 years of helping businesses accept payments, we have seen the industry change in big ways. Customers tap cards, swipe cards, dip cards, use watches, pay online, pay by invoice, and sometimes expect to pay before they ever walk through the door. Technology has changed. Customer habits have changed. Security requirements have changed. But one thing has stayed the same: business owners deserve clear guidance before choosing a payment solution. That is where we come in. At Total Merchant Concepts, our goal has never been to make payment processing more confusing. Our goal

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The Service Behind The Smile: 30 Years Of Caring For People

Sir Smiley July 6, 2026

Hey, did you know?   At TMC, the smile has always meant something. It is not just part of our logo. It is part of the way we answer the phone, the way we support our referral partners, the way we serve business owners, and the way we show up when someone needs help understanding something that feels confusing.   As we celebrate 30 years of Total Merchant Concepts, we cannot talk about our story without talking about service. Payment processing is what we provide, but taking care of people is why we do what we do. For 30 years, we have made some pretty big promises to our referral partners and to the businesses they send our way. We have promised that their members and merchants will

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