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The Merchant’s Guide provides Direct Marketers and Web merchants accepting electronic payments with methods to lower fees and improve revenues by offering informative training guides, payment operations audits, and professional guidance, focusing on the topics of merchant accounts and credit card interchange. We specialize in serving merchants who do their payment processing using Card-Not-Present models including electronic commerce, mail order, telephone order, catalogs, continuity programs and direct response media.
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Featured Publications and Services
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 1-User PDF Download | Understanding Merchant Account Fees. Avoid downgrades. Optimize Interchange rates. Uncover hidden fees. Make wise pricing decisions. Understand what you're really paying in c...
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| |  Payment Operations Audit | How much time and effort has your company spent attempting to decrypt your merchant statements? Let The Merchant's Guide figure it out....
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| | Money Saving Examples |
A Real
Opportunity for Merchants to Save Money on Credit Card Fees
Historically,
information on interchange rates was restricted to members of the Credit Card
Associations and affiliated payment processors. Ironically, Interchange
generally represents the bulk of what merchants are required to pay the credit
card systems! According to an extrapolation of data contained in Visa’s SEC
registration statements, merchants paid over $100 billion of Interchange in
2006.
In
this same year, however, both Visa®
and MasterCard®
decided to publish their respective Interchange rates. For the first time since
the inception of the Associations, merchants were encouraged to “do the math”
and understand their true fee structure. This translated into a real
opportunity for merchants to save money on Interchange fees. The following
three examples are drawn from real-life scenarios, and are designed to
illustrate the profound monetary effects of understanding Interchange
principals.
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