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If you are a business located in the United States, you can now take advantage of the expertise of a merchant account specialist to locate the perfect merchant account for your business.
- Save yourself time and hassle - and the confusion involved in selecting which merchant account provider or bank ("Provider") best suits your particular needs.
- No longer will you have to roam the Internet, trying to gauge from their websites whether a particular Provider is reputable and can meet your requirements.
Your personal merchant account consultant, Michael Rupkalvis, will do all the work for you!
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 Before getting involved in the merchant services business, I owned and operated 2 businesses. One was a café/catering business and the other was a Pizzeria. I had merchant accounts for both businesses.
The funny thing is, that to this day, I still don't know what my processing rates were. All I did know was that when I took a credit card... the money would show up in my bank account a couple of days later, minus all kinds of processing fees.
Having had this past experience of walking in a merchant's shoes has helped me become a better and more effective merchant services consultant. Business owners have so many other challenges they face on a daily basis, the last thing they need to worry about is their credit card processing or the rates they are paying.
I've been in the merchant account services business for the last six years. I've helped all types of businesses with their credit card processing needs, from home-based business opportunities to large national associations. I've worked in all aspects of the industry, from business development, to sales, to deployment, to customer service.
And I'm currently President of TTG of Chicago. We specialize in helping businesses like yours locate a merchant account. Unlike most of the companies you'll come across in your search for a processing solution for your business, we don't just deal with one merchant account provider - in fact, we have relationships with 6 excellent providers across the country.
Here are just 3 things you should know before setting about locating a merchant account provider - and there are many others:
- Just because the Provider's sales representative doesn't bring up a fee, doesn't mean you won't get charged it. For example, there are batch fees, monthly minimums, bank service fees, transaction fees, settlement fees, AVS fees, qualified discount rates, mid-qualified discount rates, non-qualified discount rates, annual fees, contract cancellation penalties.the list goes on. Make sure you understand what you are getting into.
- Leasing is the worst way to buy credit card processing equipment. You'll end up paying 3-5 times more than you would if you bought it outright. If you can't afford a new terminal, refurbished ones work just fine. Most banks offer terminal replacement programs anyways.
- Make sure the Provider understands your business and how you take payments so your account is set up correctly. Some providers are notorious for quoting you the lower 'card-swiped' rates on all terminal deals - even if in fact you 'key in' the majority of your orders. The result - a nasty surprise when you examine your monthly processing statement.
To get the right solution - at the right price - that's the challenge.
Chances are, if we can't find you an excellent processing solution, no one can.
"The service and support we've received from Michael Rupkalvis have been nothing short of fantastic. Not only is there no start-up fee, the rates are good and the set up was fast. We've referred all of our clients to Michael for the last 2 years."
Tim Donahue
ClientReady.com Ecommerce Websites
For several years I have had the pleasure to have Michael Rupkalvis handle all of my credit card transaction issues for my corporate office, as well as my 510 international and domestic franchises. Michael has been available, attentive and pleasant to work with. Most importantly, he found excellent cost saving methods for my corporation. Credit card equipment and transactions can equate to an expensive and often frustrating experience. Fortunately, he has made this aspect of my business very simple. My franchises have had wonderful things to say about the investment and overall assistance given by Michael.
Cynthia McKay
Le Gourment Gift Baskets, Inc. |
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So how do I benefit? |
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- Avoid having to search, complete multiple forms and contact Providers who aren't interested in your business.
- You sit back and let your personal consultant do all the leg work for you, using his years of expertise and negotiating skills to locate the best merchant account for your business.
- You pay for the consulting service only after Michael locates a merchant account you are happy with - otherwise you don't pay a penny for having used the consulting service. The cost - a mere $39.95!
- It's cheap, it's efficient - and it's fast, often within one business day.
- You can use the consulting services no matter what type of credit card processing solution you need - an internet merchant account, retail merchant account and processing equipment, processing for phone or mail orders, or a wireless solution.
- Each of the Providers that Michael has relationships with has been in business for years and has a good reputation in the industry.
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What do I have to do? |
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- You complete our online form describing your business, its credit card processing and merchant account needs, etc.
- We send your information to Michael in real-time. He promptly reviews the information. Michael then contacts you to get a better feel for your processing needs.
- Using his well-established relationships with leading Providers, Michael determines whether you will qualify for a merchant account, and if so (as is usually the case), he then negotiates with the Providers to obtain the very best deal possible for you.
Then, only if you are happy with the proposal he has arranged on your behalf and wish to proceed with it, you pay $39.95 for having used the consulting service. If Michael can't locate a merchant account for your business, or if you don't want to proceed with the one or more solutions he has found for you, you don't pay a cent.
After payment, Michael helps you complete any necessary paperwork to complete the process.
And rest assured, Michael will continue to work with your business for years to come, to assist you with your processing needs and any problems that may arise.
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Why do I have to answer so many questions - and pay a fee? |
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Yes, we know that our form is a little long and that you'll have to answer a lot of questions.
In fact, our form is probably the most extensive online application we know of for merchant account applicants - screening you not only as to your location, business type, products & services sold, processing requirements and volumes, etc., but also as to your credit, current or past bankruptcies, prior processing history, as well as your priorities in selecting a Provider.
The extensive nature of the form - and the $39.95 fee (which goes to help cover the costs of advertising the consulting service) - helps us weed out 'tire-kickers', and means that when Michael contacts you, many of his questions about your business have already been addressed (and your requirements for a processing solution have been accounted for) - so his finding you a merchant account is that much closer.
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Do I qualify to use the Consulting Service? |
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At present some restrictions apply to our Consulting Service:
- The service is only available to businesses located in the United States.
- Certain business types are not allowed.
- Also not permitted: Businesses or business owners currently in bankruptcy or with a bankruptcy discharged within the past 6 months, with an outstanding tax lien, or in the VISA/Mastercard MATCH file as a result of a previous merchant account.
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