Q: How can the company afford giving away 100% interchange pass-through?

A: We've implemented an efficient, unique infrastructure that gives us the ability to return more direct revenue streams back to our independent sales offices and agents.

Q: How many payment processing companies offer this similar pricing?

A: As of today, we're the only payment processing company paving the industry by offering this unique pricing.

Q: What are primary associated fees to receive the 100% Interchange pass-through pricing?

A: We only charge a fixed, nominal fee for using our system.

Q:Is there always a bin sponsorship/assessment fees?

A: All ISO/MSPs usually pays a bin sponsorship/assessment fees to their sponsored banks. Sometimes ISO/MSPs absorbed the minimal basis point costs and recuperating the costs through other split program revenue streams.

Q: What are common pricing programs available for sales office or agents?

A: The two common programs available to sales offices and/or agents are Interchange Split Program or Buy Rate Program.

Q: What is Interchange Split Program?

A: The ISO/MSPs offer sales agents their true cost interchange pricing but requires a split in revenue streams. This equates to impartial revenue streams earned and a lesser valuation of accounts during portfolio sales.

Q: What are the current Interchange Rates?

A: Interchange pass-through are standard rates that card associations (e.g., Visa, Mastercard, Amercian Express, Discover, etc.) pass through to all banks and processing companies.

Q: What is a Buy Rate Program?

A: The Buy Rate Program comprised of offering their agents a flat, teaser buy rate. The agents do not earn any other revenue streams. For example, agents get marked up on transaction fees, mid-qualified, or non-qualified rates. They may also do not generate other revenue streams such as retrieval fees, chargeback fees, statement fees, voice authorization fee, etc.

Q: How come you don't offer free equipment program or bonus commission?

A: Since were provide 100% Interchange pass-through revenue stream, our sales offices/agents can use those revenues to furnish their own free terminal program placement and bonus commission structure for their sub-agents.

Q: Which merchant accounts can we approve?

A:  For liability reasons, we recommend our sales offices/agents to board low-risked accounts.

Q: Why is a reserved balance required?

A: A reserve is required because our sales offices/agents have 100% ownership of the accounts. This is to safeguard you against any liabilities such as chargebacks and insufficient funds on the accounts.

Q: Are we entitled to include the reserve balance during portfolio sales?

A: Yes.

Q: Do we have access to adding, removing, or updating merchant account information anytime?

A: Yes, our sales offices/agents have complete control to managing and monitoring their accounts.