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Many potential business owners ask us the same question- what fees do you charge- what is the COST? And while the fee structure is a critical component- the actual COST of a merchant account goes much deeper. Selecting the RIGHT partner is GOOD for your bottom line. Here are a few things to consider when evaluating your current solution or a new processing partner. OVERALL EFFECTIVE RATE: When you divide the amount of processing volume INTO the fees paid to process that volume- you get your overall effective rate. This is a MUCH MORE accurate way of determining what your fees are with any processing company. This is also a very rapid way to make sure you do not have any pricing weirdness happening on your monthly statement

It is VERY easy to get in the ‘routine’ of any position or career. We simply must remind ourselves and our teams what business we are in and WHY what we do is so important! Our WHY is simple- the industry we reside in is notorious for substandard service and a lack of integrity and we choose to be the exception. We spend time WEEKLY discussing our WHYS, our areas for improvement, and our personal goals. What is your WHY? Does your staff know what your unique proposition is and are they passionate about delivering on your promises? Do you spend time as a team to increase awareness and your passion? Consider these three areas to gain the loyalty of your team and your customers: KNOW: Leading by

On Sunday, I had the privilege of listening to John Maxwell’s address on Leadership. I’ve listed the link to the website below and my 5 main takeaways!! A time of crisis calls for EFFECTIVE and STRONG Leadership in our communities, our businesses, and our families. Our citizens, our team members, and our children are watching and learning from our response! 1- CRISIS IS QUITE COMMON By definition (dictionary + Greek + medical) a crisis is an intense time of difficulty, requiring a decision that will be a turning point. At all periods in history, there have been times of crisis and it always seems like the one we are going through is the TOUGHEST! (Think about a surgery- a MINOR surgery is one that is happening to someone

What Direction Are You Going or Growing? They say the rearview mirror is smaller because that’s not the direction we are going, and after a year like we have all just walked thru- that’s GREAT NEWS! The direction we are going in all areas of our life makes a tremendous difference, and few times are as RIPE for reflection as a NEW YEAR! So how about you? Are you being intentional with the direction you are going, or should I say GROWING in both your business and your personal life? As we embark on a New Year, leaving the old one in the ‘rear view’, there are a few questions that can help us use the past (even 2020) to make sure we are Growing in the right