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.
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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Upselling: Pushy Sales or Excellent Customer Service?

Did you know? Upselling can be one of the most effective ways to serve your customers—and strengthen your processing performance.   Often, upselling gets confused with pushy sales tactics. But when done right, it’s actually a form of proactive customer care. It helps people get what they need the first time, prevents frustration, and deepens trust. Think about it:   Buying a device without the right accessories is frustrating. Being unaware of a feature you could have used costs time. Missing out on a service you offer sends customers elsewhere.   These are missed opportunities—not just for revenue, but for building relationships.   When you upsell with integrity, you’re:   Preventing service gaps Anticipating customer needs Educating your buyers Adding value to every interaction   This is especially

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Simplify & Break It Down: The 5 Steps of Hiring

Did you know? The way you hire impacts everything—from how your team handles service calls to how well your processing systems are managed.   At TMC, we’ve learned that experience matters, but it isn’t everything. The right team is built by prioritizing five key traits that set people up for success. Ability to follow instructions. This matters in every area of our work, including compliance, service, and transaction accuracy. A team that can follow instructions is easier to train and more dependable. Strong communication skills. Processing is detail-oriented, and much of our support happens over the phone. Candidates need to be able to communicate clearly and professionally to serve our merchants well. Core value alignment. We’re not just looking for skill sets—we’re looking for people who align with

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Mid-Year Check-In: Are You Measuring, Monitoring, and Managing Your Business?

Did you know? The way you manage your goals directly affects the performance of your payment processing program.   We’re halfway through the year, which makes this the perfect time to reflect on your progress. Are your business goals on track? Are your systems supporting you? Are your customers consistently engaged?   Three habits can help you course-correct or level up, depending on where you are in your journey: Measure, Monitor, and Manage. Measure what matters. Set specific goals around the areas that directly impact growth, like revenue, customer retention, and yes—transaction volume. Knowing your numbers gives you clarity.   Monitor your progress. Just like your payment processor monitors transaction patterns to detect risk, you should regularly check in on your goals. Are you staying on track? Are

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Considering AI: The Future is Now (and It’s Hilarious)

Did you know? Artificial Intelligence is already reshaping the world of payment processing and chances are, it’s affecting your business more than you realize.   AI is doing everything from predicting fraud before it happens to streamlining approval processes for new accounts. That means faster service, safer transactions, and more reliable tools for both you and your customers. Still, AI comes with its fair share of quirks and concerns. While it may help spot chargebacks faster or recommend upsell opportunities based on behavior, it also brings up important questions around privacy, bias, and job automation.   In processing, that means we need to ensure our systems are fair, transparent, and secure. AI can enhance the merchant experience, but only when guided by ethical development and smart oversight.  

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Perry Tacos: Filling Plates and Hearts with Leadership and Love

Today, I cooked for my team. Not just any lunch, Perry Tacos, a name my crew affectionately coined for our special recipe. These aren’t your average tacos; they’re made with care, a mix of seasoned ground beef and sausage, and a not-so-secret twist: lightly fried flour tortillas, crisped to perfection in extra virgin olive oil.   It started last night when I gathered all the ingredients and packed my truck with a countertop cooker and portable cooktop, frying pan and utensils. This morning, I grabbed the chilled items and headed to the office, determined to make lunch something special. Cooking for 20+ people isn’t exactly a walk in the park, but I was committed: committed to each team member receiving a made-to-order taco, hot out of the pan,

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Business Growth

Do you have a dream or goal to GROW your business? Partnering with other successful people who have been down that road can remove some of the pebbles along the way.   At Total Merchant Concepts, we have the privilege of working with thousands of business owners across the country. The industries vary, the backgrounds of the owners vary and the credit card processing needs of the businesses we serve vary. But the need for GROWTH is the same for everyone. At TMC, we are committed to assisting the businesses we serve beyond their payment acceptance needs; we are committed to helping you GROW! Gratitude To live in a country where we have the freedom to own and operate our business is truly a blessing. When we are thankful and

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