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Nearly every business receives payment by credit card,

but that doesn’t mean every business wants to.

Credit Cards are now the preferred form of electronic payment. This is due to the REWARDS incentives. For the first time in history points issued by a

Visa Card (Chase) exceeds American Express.

According to a survey conducted by MagnifyMoney:

44.5% of the people surveyed said they opened their rewards card accounts because of a sign-on bonus.

But 85.4% of the people surveyed said that the ongoing features and benefits of the product were most important in their decision.

In Q1 2017, credit card issuers spent $6.2 billion on rewards, compared to $5.1 billion in Q1 2016 — a 22% year-over-year growth rate.

In Q1 2017, credit card issuers spent $6.2 billion on rewards, compared to $5.1 billion in Q1 2016 — a 22% year-over-year growth rate.

  • Consumer

  • Bank

  • Visa, MasterCard, American Express

  • Merchants

How and Why did things get this way?

In 2010 congress passed the Durbin amendment, which essentially capped rates on ALL pin entered debit fees. Banks retaliated with aggressively promoting the use of credit cards by giving huge incentives through “Rewards” programs.

The amount of rewards issued is on the rise!

The six largest credit card issuers - Amex, BofA, Capital One, Discover & JPMorgan Chase issued an estimated $110+ billion in card rewards from 2010 thru 2016.

The “Rewards” credit card now exceeds the use of common credit cards.

It’s ironic that the banks claim merchants have pocketed more than $42 billion in profits

since the Durbin amendment was passed in 2010.


So what does all of this mean for businesses across America?

Rates and additional fees will continue to rise more frequently. Merchants must learn to adjust to these trends to survive.

Wouldn’t it be great if there was an alternative? A solution that enabled a business owner to have more control over rates and fees?

Here is some GREAT NEWS!

Businesses across America are Taking Charge of their credit card processing fees!

Take Charge is a flat rate payment processing plan that evolved from the Durbin Amendment. Through the Take Charge plan merchants will provide consumers the option of receiving a CASH DISCOUNT on purchases.

The fuel industry has been offering a Non-Cash Adjustment for years. We are seeing a migration by various industries to a payment model that issues their own form of a “reward” to consumers that pay in cash.

Key Benefits of The Take Charge Program

  • The average merchant saves over $3500 per year.

  • Our standard processing terms include NEXT DAY funding.

  • NO More Hidden Fees.

  • Your business no longer funds Rewards programs.


The Take Charge Process

Your Take Charge terminal or POS system will itemize the non-cash Adjustment on the customer’s receipt. This is a requirement.

The Take Charge Public Disclosure

When you receive your Take Charge terminal you will also receive two very important items.

The disclosure sticker that must be displayed on your door/window and the sign must be visible at the checkout/payment location.

One Flat Fee!

No catch, no gimmicks, no hidden fees…just one simple process.

Imagine being able to save thousands of dollars per year.

The opportunity to be more competitive and reinvest in your business is only a

few days away.

Will you be one of the many businesses across America that will virtually eliminate their processing fees?


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