Starting October 1, 2011, debit interchange rates were capped at 0.05% and 0.22 per transaction for regulated banks with at least $10 Billion in assets.

There’s no action needed on your part – the savings will be applied to your account automatically. We hope these savings will help you grow your business and we are happy to be the bearer of good news.

Thanks,

Carrier Swipe, LLC

The biggest winners in this regulation are once again the super retailers who process millions of transactions per year. Small and medium size merchants can expect savings, but it will not likely be anything as monumental as the Walmart’s and Amazon’s out there. There’s going to be a lot of misinformation flying and aggressive marketing over the next year as many processors will take advantage of the turmoil, misinformation, and instability in the merchant account industry. I would strongly suggest exercising caution in anyone making sensational claims about lowering your rates. Major industry changes offer the greatest opportunity to get scammed into a bad merchant account. Just remember that almost every processor has roughly the same hard costs, so if they are unrealistically lowering fees in one place, they have to make them up somewhere else.

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That got our wheels turning inside our heads. and that is how Carrier Swipe LLC was born. Fortunate for us, we have an employee that spent over 20 years in the finance and merchant services field and we have teamed up with two of the largest processing companies in the world so that we can offer the very best cost in rates and superior customer service.

Because of the shear volume (Billions of dollars in sales) of our processing partners we are able to offer FREE WIRELESS CREDIT CARD MACHINES.

If you or your company currently accept credit cards over the phone this is called a MOTO account (Mail Order Telephone Order). MOTO is not the way to go unless it is absolutely necessary. See, with having the wireless machine the driver can swipe the card in front of the customer, hands the card back and customer signs, just like you would do if you walked into any retail store. The benefit to this is that the because the customer is in front of you get what VISA/MC call a Qualified Rate whereas if you took that same credit card information over the phone, that same transaction would be downgraded to what is called a Mid Qualified which costs you more money. The other beauty to accepting credit/debit cards is that no matter what your charge is, if the customer puts his or her pin into the wireless machine you will only be charged about a BUCK! That’s right one dollar. Visa and MC feel that by a customer using their debit/check cards and using their secret 4 digit pin code the chances for fraud are slim and none.

Example:
Transport charge $100 you pay a processing fee of $1.00
Transport charge $800 you pay a processing fee of $1.00
Transport charge $10,000 you pay a processing fee of $1.00

So here are some of the benefits to you:
1: Money from the transaction is automatically deposited into your account
2: Processing fees are low
3: Customer prefers this method
4: Increase your sales when customers knows you accept credit cards
5: Safety
6: Debit/Check cards only $1.00 no matter the charge
7: Cash Advance program up to $150,000
8: No setup fees
9: No annual fee
10: FREE WIRELESS TERMINAL

If you are interested in taking advantage of our free offer please call or fill out the information form at our home page and we will get in touch with you promptly. If you already accept credit cards then you definitely need to call us. Fax us your current statement and we will save you a ton of money. We guarantee that we can save you at least 20% or we will send you a $100.00 Visa® gift card FREE.

Several studies, including one conducted by the accounting firm Price, Waterhouse and Cooper, have shown that the average size of credit card orders is up to three times larger than cash and check orders. People buy more when they pay with a credit card.

No more trips to the bank or bounced checks
By making credit cards your preferred method of payment, you reduce or eliminate bounced checks and decrease the time it takes to process orders. Your payment is guaranteed up front and Carrier Swipes simple transaction entry takes just a few moments. No more trips to the bank or bounced checks.

Customers want to pay with credit cards
Customers increasingly want to pay by credit card. Studies show that credit card payments will overtake cash and check payments within the next few years. Customers often get benefits for paying with credit cards such as frequent flier miles or other affinity points. Paying with a credit card also gives customers more flexibility to manage their cash flow.

What about processing fees?
Many business owners are hesitant to take credit cards because of the processing fees. The fact is, by accepting credit cards you make much more money than you pay in fees because order sizes tend to be larger. Just one increased order size as a result of accepting credit cards could easily pay for the costs associated with accepting credit cards. The example below compares how much money can be made with cash & check payments vs. credit card payments.

Carrier Swipe medical payment processing is ideal for every health care specialty:

• Hospital
• Family and General Practice Doctors
• Physical Therapists, Chiropractors, Sports Medicine
• Orthopedics
• Cosmetic Surgeons and Treatment Centers
• Ophthalmologists and Optometrists
• Obstetrics and Gynecological Offices
• Therapists, Psychiatrists, Mental Health Professionals
• Dentists, Endodontists, Periodontists

Carrier Swipe is a multi tier and interchange provider of payment processing services throughout the United States, operating proprietary on-site data centers, customer service, and custom development for our partners and agent banks. Carrier Swipe provides a full suite of low cost payment processing services within one consolidated merchant account.

Credit Card Processing – Staff will be up and running in no time. Enter patient payments online from your office PC. Attractive discount rate with no hidden fees.

Electronic Check Services – Process patient checks electronically through your Internet enabled computer. Checks fulfill automatically. No more trips to the bank and gaurenteed!

24-48 Hour Payment Fulfillment – Receive funds within 2-4 business days for e-check and credit card payments.

Online Reporting in Real-Time – Staff can easily track patient’s payments online as they arrive in your business bank account.

Friendly In-House Customer Service 24/7/365 – Anytime of day or night, weekends or holidays, if you’re front office ever has a problem, they don’t call you, they call us. Our in-house call center is trained and ready to help.

Carrier Swipe Partners with Health Care Organizations
Carrier Swipe has experience in health care payment processing. Ask about how integrating Carrier Swipe payment processing into custom made solutions, can favorably boost your organizations quarterly reports.