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The credit card processing industry has a very confusing set of rates & fees. It is our goal to help our merchants understand what fees are legitimate and what fees are superfluous. This article will address 2 legitimate fees and also offer some Best Practices. Visa Misuse of Authorization $0.045 per The Visa Misuse of Authorization Fee will be assessed to approved and partially-approved electronic authorizations that cannot be matched to a settled transaction within the following time frame: Travel and Entertainment (T&E) merchants = 20 days; all others = 10 days. If an authorization was attempted and received but the transaction was not settled, you must electronically reverse the authorization within 24 hours for all card present transactions and 72 hours for all card not present transactions

From our team to you and yours: Have a FANTASTIC New Year celebration this evening. We would like to share a few of our team’s wishes with you: May 2016 by your strongest and most powerful year ever! I wish you health, happiness and abundance in 2016! Here’s to new friendships, new challenges to overcome and new opportunities to shine! I hope you have your best year ever! May your heart be your guiding light and success be your victorious prize! Fun, Fun, Fun; that should do it! Take the time to enjoy your past successes and line out your 2016 goals. May you wake up each morning KNOWING that what you do makes a difference! We are so thankful for the opportunity to live and work in

Accepting credit cards is second nature for most businesses and we’ve become so used to taking the cards, that we sometimes forget that they are most certainly NOT the same as cash. Here are a few reminders: Credit cards cost more to take than cash- so if you can get your customers to pay with cash GO FOR IT! (strange advice from a credit card processor but the right advice for any business) Stay within your approved limits- accepting credit cards for more than you were approved for can cause problems with your cash flow. Processing substantially more than your annual approved volume can also cause problems. While we cannot speak to how other processing companies handle volume variances, we can give you advice based on how we

When you travel abroad, it wakes you up to the many advantages we have here in the United States of America! I was thinking of a 9 day trip out of the country and was touched, once again, by the overwhelming gratitude and joy of the Fijian people! They sing, dance, smile and are always quick with a greeting (BULA!), no matter what they are doing. You would think that they were the richest people in the world; and when you visit their villages, you realize very quickly that their joyous spirit and gratitude comes from something other than their worldly possessions; because they have very little. What they do have, is the ability to see wealth and riches as they really are. The love of a family

Choosing what card you will use can make a big difference especially if you are one of the millions of Americans who experience fraud! At TMC, we encourage you to make your online purchases and your overseas traveling purchases with a credit card that is NOT attached to your checking account. This minimizes your exposure to fraud. We also love what Clark Howard has to say about Debit versus Debit card useage! Be careful out there! Guest BloggerMonday, October 26, 2015

Doing just enough to ‘get by’ is a COSTLY way to do both business and LIFE! In the Merchant Services industry, we are pretty used to seeing that mediocre mantra played out every day by many of our competitors. Here are a few of the ways that our team delivers an And Then Some experience! STELLAR STAFF: There is simply no way to deliver an exceptional experience without a Stellar Staff! Take a few moments to Meet Our Team and NO- you can’t have them . Working with individuals who dig in each day and literally LOOK for ways to under promise and over deliver is just part of an AND THEN SOME mentality. WHAT YOU SEE IS WHAT YOU GET: The pricing in our industry is complex