This document discusses how payment processors can charge hidden fees that negatively impact businesses. It outlines several types of fees processors may charge, such as per transaction fees over the actual interchange rate, fees for account updates, multiple resubmission fees for declined payments, and delays in depositing funds. The document advises businesses to carefully audit their payment processing statements to avoid unnecessary fees and ensure their processor deposits funds within 1-2 days of billing. Choosing the right processor is important to protect a business's reputation and cash flow.

1. THE HIDDEN IMPACT
OF YOUR PROCESSOR
IS KILLING YOUR BUSINESS
Al
Noshirvani
CEO
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2. 1
2
3
Uncovering
Hidden Fees
Protecting Your
Reputation
Understanding
The Basics
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3. Get
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1
Understanding
The Basics

4. The Rate Game
The only rate that your
business should pay for cards
is referred to as interchange.
There are no other
rates….EVER and definitely not
for an ACH.
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5. Key Takeaway:
Transactions DO NOT HAVE a
“BASE RATE” associated with
them and cost no more than
Interchange (+ or -) $0.25 per
transaction. An ACH should
cost no more than $0.25.
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6. POS vs. RECURRING
The payments game is all
about risk. If a person is
standing in front of you that
risk is significantly reduced.
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7. Key Takeaway:
A swipe transaction should
run your business no more
than 3.25% and is based on
card type.
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8. Submitted vs Collected
Are your processing fees based
on your total revenue collected
or total amount submitted for
collection?
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9. Key Takeaway:
Your processing fees should
reflect the funds that you
processed and collected not on
the total amount submitted.
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10. 2
Uncovering
Hidden Fees

11. Credit Card Decline Fees
We have all seen the $25.00
returned check fee but when
was the last time you paid a
“declined credit card fee?”
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12. Key Takeaway:
While transaction fees of $0.05
to $0.25 are applicable to any
submission, a declined credit
card has NO OTHER FEES!
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13. Self Service is The New Full Service™
Tools like the Card Account
Updater help you maximize
first time submissions and
decrease unnecessary
outbound calls.
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14. Key Takeaway:
The cost of an account update
is approximately $0.10. Your
business should not pay a
processor $1.00 per update
per record.
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15. Every Decline Has A Reason
Re-bills and retries of CC and
ACH are regulated by the card
associations and the federal
reserve.
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16. Key Takeaway:
Don’t let your receivable
management company
overcharge your business by
resubmitting multiple times.
Your business will never collect
a hard decline automatically.
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17. Its All About Cash Flow
Your business should never wait
two-weeks to get your deposit.
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18. Key Takeaway:
Once your billing is processed
your receivable management
company has the cash in one to
two-days. Demand that your
business is ACH’d your money
immediately.
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19. Get
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3
Protecting
Your Reputation

20. What You Don’t Know Will Hurt Your Business
1. Late fees
2. Service fees
3. Management fees
4. PCI fees
5. Statement fees
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21. The Company You Keep Matters
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22. Social Media and SEO Results Your Prospects See
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23. The Power Of Elite Reviews
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24. Negative Reviews Impact Your Reputation

25. Ask Yourself…
Does my “software vendor”
makes more money when my
business is making less?
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26. Thank you
Al
Noshirvani
CEO
Mo:onso;
301.255.6400
al@mo:onso;.net
hDp://www.mo:onso;.net
LinkedIn
hDps://www.linkedin.com/in/al-­‐noshirvani/
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