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    Credit card processing costs creeping higher and higher?

    Last updated 4 years ago

    Small increases to your merchant services rates add up... one basis point here, one cent per transaction there, can add up to a lot of money in the long run. When your credit card statement is ten pages it can be nearly impossible to find the increases (that's IF all of your fees are even disclosed to you each month). That's why you need Merchant Advocate. Our analysts review statements every month and know exactly what to look for. Visit us at .

    Small businesses are falling prey to cybercrime...

    Last updated 5 years ago

    Find out why in this CNNMoney article

    Credit Card Processing Statement Messages

    Last updated 5 years ago

    Are you looking at your statement messages? Every month your credit card processing statement can have from one sentence to a full page of statement messages that range from trying to sell you additional products to vaguely hinting at fee increases that will line your processors pockets and take money from your bottom line. They can be densely written and sometimes seemingly purposefully misleading. We weed through the jargon to see what fees are increasing and whether or not it’s a true hard cost of processing credit cards or a pure profit for your processor. Visit us to learn more at 

    Are you treating your employees with the respect you expect them to show your customers?

    Last updated 5 years ago

    article from The New York Times “You’re The Boss” column about the benefits of treating your employees well…

    Interchange Increases

    Last updated 5 years ago

    Once or twice a year you may see notices referencing “interchange” increases. When it’s a true Interchange rate change, it’s a direct cost from Mastercard/Visa/Discover passed on to you. For example, in June this year, the NABU fee (Acquirer Network Access and Brand Usage Fee) from Mastercard will increase from $0.0185 to $0.0195- if you review this fee on your statement you may notice it is already much higher than that. That’s because your processor is or sales rep has built in a small profit for themselves. It may not amount to a great deal of money each month for you, but consider when that is multiplied by how many merchants they process for… it adds up! This is some of the insider knowledge we use to analyze statements and make sure our merchants are getting pricing that’s as close to cost as possible. For more information visit us at

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