OUR SECRET
TRUE INTERCHANGE RATES FOR VISA AND MASTERCARD

See detailed explanation below.
MC/VS Interchange
Description	Percent	Transaction Cost
MC Merit III (Debit)	1.05%	$0.15
MC Merit III	1.64%	$0.10
MC World	1.74%	$0.10
VS CPS Retail Debit	1.03%	$0.15
VS CPS Retail	1.54%	$0.10
VS CPS Rewards 1	1.65%	$0.10
MC-Key Entered Debit	1.64%	$0.16
MC-Key Entered	1.95%	$0.10
MC World Key Entered	2.05%	$0.10
VS CPS Key Retail Entered Debit	1.60%	$0.15
VS CPS Card Not Present	1.85%	$0.10
VS CPS Rewards 2	1.90%	$0.10
MC Corporate Face to Face	2.05%	$0.10
VS Commercial Card Electronic	2.20%	$0.10
Visa EIRF	2.30%	$0.10
See detailed explanation below.
Assessments	Percentage Applied to Volume
MasterCard	0.0950%
Visa	0.0925%
See detailed explanation below.
Authorization Fee	$0.10
See detailed explanation below.
Discount Credit Card Merchant - Service Fees
*Determined on individual basis	_______%
See detailed explanation below.
Monthly Service Fee	$6.50
See detailed explanation below.
Batch Fee	$0.20
***A complete list of possible MC and Visa interchange categories is available at visa.com and mastercard.com.

HOW INTERCHANGE WORKS

When you the merchant accepts and process a sale the percentages listed are applied to your account based on the category the MC/VISA credit card being presented to you the merchant.

Qualified Cards (the lowest rate) - These cards only offer the right to charge goods and services and nothing else. They then become less expensive for the issuing bank (MC Merit III, and Visa CPS Retail) LESS THEN 20% of cards issued fall into this category SO THAT LOW TEASER RATE THE OTHER GUYS ADVERTISE DOESN'T APPLY TO MANY CARDS. See rates above.

Rewards Cards - Banks which offer the rewards cards give something back to the card holder such as miles, cash, and gifts. You, the merchant, must bear the higher rate to help the issuing bank pay for the freebies enticing the consumer to use that card. (Visa Rewards 1 and 2, and MasterCard World). See rates above.

VISA/MC Corporate Cards - The highest rate due to the fact most companies pay their bill at the end of the month. The issuing bank rarely has a balance on the card so the monthly interest is minimal. (VISA EIRF and MC Corporate Face to Face). See rates above.

Pin Pad Entered Debit Cards/Check Cards - These offer the lowest rates a retail merchant can receive but requires a pin pad to receive the lowest rate. (Customers must enter their pin number.) Many processors do not offer a special debit/check card rate but charge your debit at the qualifying rate, making the rate a half a percent or more than what should be charged to your business. Over the course of a year a large expense to you, the merchant. See rates above.

Keyed Transactions Telephone/Mail Order called MOTO and Internet Orders are higher due to the increased risk for a fraudulent transaction since the card is not present at the sale and as you can see above rates for keyed transactions are higher due to the risk. IMPORTANT - always enter the zip code if asked by the terminal if you don't have a higher rate. (MC Key Entered, MC World Key Entered, Visa CPS Card Not Present). See rates above.

If you wish to see all 150 or so rates (i.e. supermarkets, gas stations, warehouse clubs) go to visa.com.

Assessments - This is a simple charge to each transaction which pays for advertising, salaries, and all the other things it takes to run the Visa/MC Association.

Authorization fee - Every time you swipe a card a 10 cent fee is charged. Add this with the transaction cost of 10 cents this equals what is referred to as the transaction fee of 20 cents.

Discount Credit Card Processing Fee - This is the fee we will charge you to transact a sale, move funds and deposit the money into your bank account. Discount Credit Card charges the smallest fee of any processor with interchange pricing.

CALL US NOW FOR YOUR LOWEST SERVICE CHARGE

CALL 1-866-896-8472

NO SMOKE AND MIRRORS JUST STRAIGHT FORWARD PRICING

Monthly Statement - Discount Credit Card lets you see your account online daily for FREE! The monthly statement gives you a summary of your monthly deposits and any additional fees. Junk fees would appear on your statement. WE HAVE NO JUNK FEES EVER.

Batch Fees are charged when you close your daily sales at the end of your business day. Batch out must be done not only to begin the funds transfer process, but, also, to save money. In the event you do not close out the daily batch within 24 hours of the first transaction then all the sales for the day will be downgraded to a higher percentage rate costing you, the merchant, more money. Discount Credit Card will program your terminal to auto close at the same time daily. Remembering to close out your terminal is no longer a worry. AUTO CLOSE is a FREE SERVICE of Discount Credit Card Processing.

WHY INTERCHANGE FOR ME?

Because all of the national retail chains insist on receiving interchange from their processors and due to the many categories of cards issued, no three tier rate (qualified, mid-qualified, non-qualified) will allow each sale to hit the lowest rate offered for that particular card. In other words if you have a mid-qualified rate of 2.49% and the card you swipe under interchange is charged 2.29%, your business saves about a 5th of a point. Is that a lot? You bet it is over the course of a month or year.

THERE IS NO SMOKE AND MIRRORS WITH INTERCHANGE PLUS

 

CANCEL ANYTIME
No Penalty

No Application Fee

No Set-up Fee

No Programming Fee

No Annual Fee

No Address Verification Fee (AVS)

No Gateway Set-up Fee

No Gateway Transaction Fee

No Monthly Gateway Fee

Free American Express Set-up

Lifetime Terminal Warranty
(If it breaks we will replace it.)

View Your Statement Online Free

Toll Free Customer Service 24/7

24-72 Hour Funds Deposit

97% Application Approval Rate

Merchant Retention Rate
Us - 95%
Industry - 84%