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In this FAQ section, you’ll find precise and transparent information to help you understand how Merchantsheaven works, what you can expect, and how we help your business eliminate unnecessary fees. Clarity starts here.
A zero-fee program allows businesses or professional service providers to eliminate credit card processing fees. This can be achieved either by slightly adjusting the final prices to cover these fees or by using a dual-pricing terminal, which ensures these fees aren’t deducted from profits. Essentially, it enables business owners or professionals to receive 100% of their sale without the deduction of credit card processing fees.
There are two main programs
A specialized program is designed to help merchants eliminate credit card processing fees by slightly adjusting their prices. This ensures that fees are covered for those transactions and not deducted from profits. With this approach, businesses can bypass credit card charges. Additionally, merchants have the option to offer cash discounts as customer benefits. These can also serve as loyalty incentives, store gift cards, and other marketing strategies
A system that presents two prices for the same product or service based on the customer’s payment method: a regular price that accounts for credit card processing fees and a slightly lower cash price. Both prices are displayed at the terminal during checkout. This approach provides customers with diverse payment options they might value, while ensuring businesses cover credit card processing fees without affecting their profits.
Most industries benefit from these programs, positively affecting businesses, customers, and local economies.
Businesses cut out credit card processing fees, boosting profits and cash flow, while offering varied payment options that can attract more customers, particularly if competitors don’t. Customers appreciate the clear choice between cash savings and credit convenience.
Moreover, when businesses avoid these fees, local economies prosper. Savings may be passed on or reinvested, stimulating economic activity. Also, credit card payments often prompt clients to buy more.”
Various industries can benefit from this program, with professional services seeing the most advantages. This includes auto repair shops, independent contractors, freelancers, and professionals such as doctors, lawyers, dentists, and accountants, among others.
Various industries can benefit from this program, with retails, bars and restaurants, seeing the most advantages. Cash discount programs are most beneficial for industries that have a high volume of credit card transactions.
No. Surcharge is where additional fees are added on top of the posted price for customers that pay with a card, whereas cash discount programs offer a different price for cash or credit card payments.
This practice is legal in the U.S. The key is that the regular prices should be those that customers pay using credit cards. Any discount offered from that regular price is lawful. The Durbin Amendment, a component of the Dodd-Frank Act, clarifies merchants’ rights to offer discounts based on payment methods, effectively embedding into federal law the option for merchants to provide cash discounts.
Gas stations have utilized this program in the US for over 15 years. Moreover, numerous national, state, and local entities like the DMV, IRS, Post Offices, Schools, and Courts have adopted the cash discount program.
In essence, the foundation for cash discount programs rests on federal legislation (primarily the Durbin Amendment), evolving card network rules, and state laws. Merchants keen on adopting a cash discount program should always ensure compliance with all pertinent regulations.”
With MERHCANTSHEAVEN you will get the necessary indications when starting the service.
The equipment will be according to program and the monthly credit card sales of the business. We work with Clover, Aldelo and Paradise family equipment, among others.
The transition is simple and quick. Depending on the program, it’s even as easy as connecting the equipment and you’re set.
No. The percentage that covers the fees, already cover our service.
With MERCHANTSHEAVEN you don’t have to pay any extra fees, nor for installation, set-up or other services.
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