This document discusses credit card processing fees and options. It provides examples of monthly processing costs for different merchants that ranged from $455-1,313. By switching to a different payment processor, merchants could save between $5,460-15,750 per year in processing fees. The document also outlines various credit card interchange rates and upcoming price increases from Visa and Mastercard.

2. OUR STRATEGIC PARTNERS
Wells Fargo Bank Esquire Bank BMO Harris
Global Processing – First Data – Vantage

3. Traditional Processing
Merchant pays Interchange and Mark
Up

4. Merchant’s Paid
$88 Billion In Fee’s Last Year!
Merchant Average
Rate
2.95%
Card Holder Average Rate
19 %
Issuing Bank’s want you to charge the card holder!

5. The following categories will be effective by the 2018 price increase
Visa MasterCard Announces 2018 Price
Increase
Personal Card from 1.85% plus $0.10 per transaction to 1.90% plus $0.10 per transaction
Corporate Visa Card interchange fees have increased from 2.05% plus $0.10 per
transaction to 2.50% plus $0.10 per transaction
Card-Not-Present interchange fees have increased from 2.65% plus $0.10 per transaction
to 2.70% plus $0.10 per transaction
Visa and MasterCard do not impose fees on businesses. PCI non-compliance fee a pure
profit charge for processors. Range from $10 to $30 a month, but now with increase
to as high as $100 a month for processors interested in leveraging the fee for excessive
Processors set PCI Non-Compliance Fees Individually
First Data announced a new Tokenization software. This bulletin will or already has
been placed on merchant statements. Basically, they require all merchants to have
this new security software. Monthly fees range from $9.95 to $29.95 per month

6. CONSUMER PAY PROCESSING

12. “ We are seeing Cash Sales Increase By 36%!”

14. Monthly Cost Was: $584.00
Yearly Saving
$7,000 per year!

15. 996 15,383.98 00 .00 15,383.98 15.45
R-DOGS RESTAURANT
400 E GRAND AVE
STE C
LAKE VILLA IL 60046
AMOUNT DEDUCTED FROM ACCOUNT: $21.09
------------------------------------------------PLAN SUMMARY-------------------------------------------
------
PL # SALES $ SALES # CREDIT $ CREDIT NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 125 2,102.73 00 .00 2,102.73 16.82 3.80 .00 79.90
VD 496 7,084.98 00 .00 7,084.98 14.28 3.80 .00 269.25
VB 14 249.35 00 .00 249.35 17.81 3.80 .00 9.48
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 63 1,344.06 00 .00 1,344.06 21.33 3.80 .00 51.06
MD 272 4,304.06 00 .00 4,304.06 15.82 3.80 .00 163.55
MB 03 24.44 00 .00 24.44 8.15 3.80 .00 .93
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 00 .00 00 .00 .00 .00 .00 .00 .00
DS 20 254.96 00 .00 254.96 12.75 3.80 .00 9.69
DD 02 10.02 00 .00 10.02 5.01 3.80 .00 .38
DZ 01 9.38 00 .00 9.38 9.38 3.80 .00 .36
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
584.60
---------------------------------------------TRANSACTION SECTION---------------------------------------
------

16. Monthly Cost Was: $779.00
Yearly Saving
$9,348.00 per year!

17. 515 20,504.41 00 .00 20,504.41 39.81
ROSATIS PIZZA
101 E TOWNLINE RD
VERNON HILLS IL 60061
AMOUNT DEDUCTED FROM ACCOUNT: $22.78
------------------------------------------------PLAN SUMMARY-------------------------------------------
------
PL # SALES $ SALES # CREDIT $ CREDIT NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 100 3,649.97 00 .00 3,649.97 36.50 3.80 .00 138.71
VD 216 5,489.07 00 .00 5,489.07 25.41 3.80 .00 208.61
VB 21 4,675.88 00 .00 4,675.88 222.66 3.80 .00 177.69
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 34 952.32 00 .00 952.32 28.01 3.80 .00 36.21
MD 99 2,177.01 00 .00 2,177.01 21.99 3.80 .00 82.74
MB 12 1,664.65 00 .00 1,664.65 138.72 3.80 .00 63.26
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 15 1,360.83 00 .00 1,360.83 90.72 3.80 .00 51.72
DS 18 534.68 00 .00 534.68 29.70 3.80 .00 20.31
DD 00 .00 00 .00 .00 .00 3.80 .00 .00
DZ 00 .00 00 .00 .00 .00 3.80 .00 .00
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
779.25
---------------------------------------------TRANSACTION SECTION---------------------------------------
------

18. Monthly Cost Was: $894.00
Yearly Saving
$10,700.00 per year!

19. 936 23,529.07 00 .00 23,529.07 25.14
GRAYSLAKE TOBACCO
1864 E BELVIDERE RD
UNIT 3
GRAYSLAKE IL 60030
AMOUNT DEDUCTED FROM ACCOUNT: $19.29
------------------------------------------------PLAN SUMMARY-------------------------------------------
------
PL # SALES $ SALES # CREDIT $ CREDIT NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 151 4,618.84 00 .00 4,618.84 30.59 3.80 .00 175.49
VD 533 12,148.98 00 .00 12,148.98 22.79 3.80 .00 461.67
VB 08 189.52 00 .00 189.52 23.69 3.80 .00 7.19
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 50 1,553.74 00 .00 1,553.74 31.07 3.80 .00 59.03
MD 162 3,503.42 00 .00 3,503.42 21.63 3.80 .00 133.16
MB 01 155.60 00 .00 155.60 155.60 3.80 .00 5.91
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 15 677.54 00 .00 677.54 45.17 3.80 .00 25.74
DS 14 636.46 00 .00 636.46 45.46 3.80 .00 24.18
DD 02 44.97 00 .00 44.97 22.49 3.80 .00 1.71
DZ 00 .00 00 .00 .00 .00 3.80 .00 .00
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
894.08
---------------------------------------------TRANSACTION SECTION---------------------------------------
------

20. Monthly Cost Was: $1,313.00
Yearly Saving
$15,750.00 per year!

21. 140 34,564.93 00 .00 34,564.93 246.89
J R MUFFLER AND BRAKES
777 BELLE PLAINE AVE
GURNEE IL 60031
AMOUNT DEDUCTED FROM ACCOUNT: $5.79
------------------------------------------------PLAN SUMMARY-------------------------------------------
------
PL # SALES $ SALES # CREDIT $ CREDIT NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 26 7,905.67 00 .00 7,905.67 304.06 3.80 .00 300.43
VD 58 13,919.72 00 .00 13,919.72 240.00 3.80 .00 528.94
VB 06 831.61 00 .00 831.61 138.60 3.80 .00 31.61
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 12 3,557.71 00 .00 3,557.71 296.48 3.80 .00 135.21
MD 26 5,177.17 00 .00 5,177.17 199.12 3.80 .00 196.73
MB 02 332.64 00 .00 332.64 166.32 3.80 .00 12.64
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 00 .00 00 .00 .00 .00 3.80 .00 .00
DS 07 1,871.88 00 .00 1,871.88 267.41 3.80 .00 71.13
DD 01 427.98 00 .00 427.98 427.98 3.80 .00 16.26
DZ 02 540.55 00 .00 540.55 270.28 3.80 .00 20.55
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
1,313.50
---------------------------------------------TRANSACTION SECTION---------------------------------------
------

22. Monthly Cost Was: $455.00
Yearly Saving
$5,460.00 per year!

23. 03 11,978.15 00 .00 11,978.15 3,992.72
TRUE WOODS CABINETRY
1050 ENSELL RD
STE 100
LAKE ZURICH IL 60047
AMOUNT DEDUCTED FROM ACCOUNT: $2.14
------------------------------------------------PLAN SUMMARY-------------------------------------------
------
PL # SALES $ SALES # CREDIT $ CREDIT NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 02 4,469.32 00 .00 4,469.32 2,234.66 3.80 .00 169.83
VD 00 .00 00 .00 .00 .00 3.80 .00 .00
VB 00 .00 00 .00 .00 .00 3.80 .00 .00
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 00 .00 00 .00 .00 .00 3.80 .00 .00
MD 00 .00 00 .00 .00 .00 3.80 .00 .00
MB 01 7,508.83 00 .00 7,508.83 7,508.83 3.80 .00 285.34
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 00 .00 00 .00 .00 .00 3.80 .00 .00
DS 00 .00 00 .00 .00 .00 3.80 .00 .00
DD 00 .00 00 .00 .00 .00 3.80 .00 .00
DZ 00 .00 00 .00 .00 .00 3.80 .00 .00
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
455.17
---------------------------------------------TRANSACTION SECTION---------------------------------------
------

24. CREDIT CARD MERCHANT STATEMENT
DATE : 09-17
MERCHANT : 3-899000003-460332
GUARANTEED MUFFLER AND BRAKE
3200 CHICAGO RD
STEGER IL 60475
AMOUNT DEDUCTED FROM ACCOUNT: $4.18
------------------------------------------------PLAN SUMMARY-------------------------------------------
------
PL # SALES $ SALES # CREDIT $ CREDIT NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 10 2,572.51 00 .00 2,572.51 257.25 3.80 .00 97.74
VD 08 701.74 00 .00 701.74 87.72 3.80 .00 26.67
VB 00 .00 00 .00 .00 .00 3.80 .00 .00
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 03 1,750.47 00 .00 1,750.47 583.49 3.80 .00 66.51
MD 08 1,964.90 00 .00 1,964.90 245.61 3.80 .00 74.67
MB 00 .00 00 .00 .00 .00 3.80 .00 .00
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 02 429.63 00 .00 429.63 214.82 3.80 .00 16.33
DS 02 559.67 00 .00 559.67 279.84 3.80 .00 21.27
DD 00 .00 00 .00 .00 .00 3.80 .00 .00
DZ 00 .00 00 .00 .00 .00 3.80 .00 .00
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
303.19
Three Month Statement

25. 34 7,893.76 00 .00 7,893.76 232.17
CREDIT CARD MERCHANT STATEMENT
DATE : 10-17
MERCHANT : 3-899000003-460332
GUARANTEED MUFFLER AND BRAKE
3200 CHICAGO RD
STEGER IL 60475
AMOUNT DEDUCTED FROM ACCOUNT: $3.90
MINIMUM DISCOUNT FEE:
------------------------------------------------PLAN SUMMARY-------------------------------------------
------
PL # SALES $ SALES # CREDIT $ CREDIT NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 05 1,800.47 00 .00 1,800.47 360.09 3.80 .00 68.42
VD 06 597.86 00 .00 597.86 99.64 3.80 .00 22.72
VB 01 75.72 00 .00 75.72 75.72 3.80 .00 2.88
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 03 604.95 00 .00 604.95 201.65 3.80 .00 22.99
MD 09 1,786.74 00 .00 1,786.74 198.53 3.80 .00 67.90
MB 01 528.25 00 .00 528.25 528.25 3.80 .00 20.07
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 05 942.71 00 .00 942.71 188.54 3.80 .00 35.83
DS 04 1,557.06 00 .00 1,557.06 389.27 3.80 .00 59.17
DD 00 .00 00 .00 .00 .00 3.80 .00 .00
DZ 00 .00 00 .00 .00 .00 3.80 .00 .00
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
299.98
Three Month Statement

26. CREDIT CARD MERCHANT STATEMENT
DATE: 11-17
MERCHANT: 3-899000003-460332
GUARANTEED MUFFLER AND BRAKE
3200 CHICAGO RD
STEGER IL 60475
AMOUNT DEDUCTED FROM ACCOUNT: $4.06
------------------------------------------------PLAN SUMMARY-------------------------------------------
PL # SALES $ SALES # CREDIT $ CREDIT
------
NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 09 3,768.20 00 .00 3,768.20 418.69 3.80 .00 143.19
VD 11 2,359.32 00 .00 2,359.32 214.48 3.80 .00 89.66
VB 01 55.59 00 .00 55.59 55.59 3.80 .00 2.11
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 04 3,220.08 00 .00 3,220.08 805.02 3.80 .00 122.37
MD 08 3,709.87 00 .00 3,709.87 463.73 3.80 .00 140.97
MB 00 .00 00 .00 .00 .00 3.80 .00 .00
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 05 960.95 00 .00 960.95 192.19 3.80 .00 36.51
DS 01 562.55 00 .00 562.55 562.55 3.80 .00 21.38
DD 00 .00 00 .00 .00 .00 3.80 .00 .00
DZ 00 .00 00 .00 .00 .00 3.80 .00 .00
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
556.19
Three Month Statement

29. 140 34,564.93 00 .00 34,564.93 246.89
J R MUFFLER AND BRAKES
777 BELLE PLAINE AVE
GURNEE IL 60031
AMOUNT DEDUCTED FROM ACCOUNT: $5.79
------------------------------------------------PLAN SUMMARY-------------------------------------------
------
PL # SALES $ SALES # CREDIT $ CREDIT NET SALES AVG TKT % DISC PI DISCOUNT DUE
VS 26 7,905.67 00 .00 7,905.67 304.06 3.80 .00 300.43
VD 58 13,919.72 00 .00 13,919.72 240.00 3.80 .00 528.94
VB 06 831.61 00 .00 831.61 138.60 3.80 .00 31.61
V$ 00 .00 00 .00 .00 .00 3.80 .00 .00
VL 00 .00 00 .00 .00 .00 3.80 .00 .00
MC 12 3,557.71 00 .00 3,557.71 296.48 3.80 .00 135.21
MD 26 5,177.17 00 .00 5,177.17 199.12 3.80 .00 196.73
MB 02 332.64 00 .00 332.64 166.32 3.80 .00 12.64
M$ 00 .00 00 .00 .00 .00 3.80 .00 .00
ML 00 .00 00 .00 .00 .00 3.80 .00 .00
AM 00 .00 00 .00 .00 .00 3.80 .00 .00
DS 07 1,871.88 00 .00 1,871.88 267.41 3.80 .00 71.13
DD 01 427.98 00 .00 427.98 427.98 3.80 .00 16.26
DZ 02 540.55 00 .00 540.55 270.28 3.80 .00 20.55
D$ 00 .00 00 .00 .00 .00 3.80 .00 .00
DJ 00 .00 00 .00 .00 .00 3.80 .00 .00
DB 00 .00 00 .00 .00 .00 .00 .00 .00
EB 00 .00 00 .00 .00 .00 .00 .00 .00
1,313.50
---------------------------------------------TRANSACTION SECTION---------------------------------------
------

30. Sales Volume
Processing Fees
Yearly Fees:
$15,756.00
Current Rate New Rate
New CostCurrent Cost
Cash Discount
Monthly Saving
Annual Saving
Flat Fee Pricing
100% of your processing cost
GONE GUARANTEED!
Free Placement
Preferred Customer
C F Credit Card Sale
Terminal Fee
$34,564.00
$1,313.00
3.79% 2.75%
$1,313.00 $950.00
$363.00
$4,356.00
$99.00
$1213.00
$14,556.00
STOP PAYING – TO GET PAID!
$400 4%-$16.00
$384 4% - $15.36
$416.00
$399.00
Annual Saving
$14,556-$58,264
after 48 months your Fees go to “0”
Free Terminal
JF Muffler and Brakes

34. Thank You For The Opportunity To Earn Your
Business!

37. Consumer Pay POS First Data POS
Flat Pricing
$199.99
Zero Cost Processing
Pay No Fees