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Welcome to Total Merchant Concepts Excellence is Our Minimum Standard! Many businesses promise excellent customer service… at TMC, it is our PASSION! From the moment you begin speaking with our representatives all the way through to becoming a merchant or a referral partner, you will experience our top-notch service. Our Commitment to Excellence will be apparent each time you work with our team and your experience will leave you thinking that Excellent Service is alive and well!   To accomplish this level of service, we hire professionals who are committed to Excellence and we set the bar high when it comes to providing you with responsive, competent and knowledgeable care. We encourage our referral partners and our merchants to give us all types of feedback so we can remain in a constant state of improvement.  

When we train our referral partners to send their members to our company, we make some HUGE promises related to the level of service they can expect from our team. We’ve even been accused of implying that our staff can Walk on Water! Well, they do not walk on water (that position was filled over 2000 years ago), but there is a reason why we feel so comfortable making large promises regarding the service level of our team: THEY DELIVER! Each of our staff members truly cares about the businesses they have the privilege of working with and they know their stuff! Helpful Tips To Deliver Service With Passion At TMC we know that our staff is passionate about what they do because if they are not, we do

Many potential business owners ask us the same question- what fees do you charge- what is the COST? And while the rate 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 fee 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

Are credit card industry fees confusing to you? They are to most people, so today we thought we’d explain about those “miscellaneous” fees and charges that show up on your monthly merchant account statement.   Monthly Minimum Fee: fee which guarantees the merchant will be paying a minimum amount each month in processing fees. If a merchant’s discount fees do not equal their monthly minimum fee they will be charged the difference between the two in addition to their discount fees. (The merchant discount rate (MDR) is a fee charged to a business by the company that processes its debit and credit card transactions.) Example: A bicycle shop had a great month! Most of their customers paid with cash (hey- it could happen!) so their monthly processing fees