If you are a high risk merchant, an offshore merchant account is the perfect solution to your processing needs. You have the payment processing power to blaze ahead and meet your goals. Money flows in. Your business prospers and grows.

Click HERE, for pre-application form.

EnablePay Helps Merchants Eliminate Unnecessary Credit Card Transaction Fees

Savvy retailers feeling the economic pinch on their profits are looking for smart ways to reduce unnecessary spending. One such area - credit card and debit card processing fees - has long been a part of "simply doing business." But these merchant card transaction processing fees have recently come under increasing scrutiny as credit and debit card industry rates have been made more transparent. Recognizing the need to provide a better option to merchants, a group of payment card and financial industry veterans launched a new company - EnablePay - in mid 2007, to help retailers and other merchants keep more of their profits. Today the company is announcing that, following the closing of a $2 million private placement last July, it plans to expand by opening additional offices in New York and Indiana. Merchants looking for savings and better customer service are encouraged to contact EnablePay at 1-866-509-1322 or by visiting http://www.EnablePay.com and to send in their most recent merchant services statement for analysis so they can compare and see exactly what type of savings EnablePay can offer.
EnablePay eliminates several layers of resellers and instead provides a direct service for its merchant customers. The company has a direct relationship with one of the largest processing companies in the world which, combined with its efficient infrastructure, enables merchants to save money. Since EnablePay doesn\'t rely on independent sales agents, but services each of its merchants directly, it is able to charge one low fixed fee and pass through other expenses at actual cost.

Industry Veterans
The company was founded in mid 2007 by Stephen Erickson, CEO and Patrick Creaven, Chief Compliance Officer. The executive team is rounded out with Chris Dengler, Chief Information Officer; Jeffrey D. De Petro, Chief Operating Officer; and Trent Williams, Chief Marketing Officer. All the executives have held senior management roles in finance, sales and customer service.

Erickson, a former Chief Financial Officer at credit card processing company EVO, has also held executive level positions at Coopers & Lybrand, Goldman Sachs and Bear Stearns. He is a CPA and holds an MBA from NYU\'s Stern School of Business as well as Bachelors and Masters degrees in accounting from the University of Illinois at Champaign/Urbana.

His vision was to develop a company that could provide a high level of customer service for merchants that wasn\'t based on middlemen who added little real value to the transaction process. That realization led him to develop a new approach for card processing services that makes card processing services directly available to merchants. EnablePay is the embodiment of Erickson\'s realization, and he has focused all his financial skills and experience into transforming the merchant services card processing business model.

FREE Credit Card Machines Offer from Total Merchant Services

Credit cards drive revenue for businesses both online and offline. Yet, many companies are not established with reliable or quality merchant services as they fear that the costs are too substantial.

Total Merchant Services has solved this dilemma for businesses. Now, businesses can select from several credit card terminals for FREE when they become customers of Total Merchant Services. So, with the option of obtaining a free credit card terminal, Total Merchant Services has removed the financial obstacle getting in the way of businesses being able to leverage this tremendous revenue generation tool.

Total Merchant Services understands that no two businesses are alike. So, they pride themselves on working with their clients to select the best credit card machines and services for their business needs.

“We pride ourselves on offering the most competitive rates in the industry, world class customer service and flexible payment options,” says one of the company owners.

So, whether the customer is looking for wireless, handheld or traditional credit card machines, Total Merchant Services has the solutions.

Merchant Services Providers News
Heartland Payment Systems Acquires Controlling Stake In CollectivePOS, a Canadian Merchant Services Provider

Phone: 1-215-942-7843

Call us to find out ALL your options to solve your merchant account problem.

How long does it take to setup a merchant account?
Usually anywhere from a few days to a week if you are located within the US. If your outside of the US you can expect it to take several weeks. The turnaround time frame varies from provider to provider and which banks they are dealing with in order to get your merchant account approved.

Read more F.A.Q.

Match list / Terminated Merchant File (TMF)

Match list / Terminated Merchant File (TMF)

The Terminated Merchants File (TMF) or match file is principally a list of businesses and entrepreneurs (merchants) that have had their merchant accounts closed down by their credit card payments processor on harmful conditions. This list is a stop for all flag that processing banks and companies in America abide by. If your name or your Company name is in the match list, you, whichever partner of your Company, your Company itself, and perhaps any person at your address can not sign up for a merchant account with a US based processing bank. Processors take the TMF list very seriously.

How to get on the list.
What time a merchant ends his contract with a merchant service provider because of any violation and/or any other negative reasons, their name can be placed on this list. Sadly, not all companies placed on the list yet recognize they are on it until they attempt to open new merchant account to process credit cards with another processor. The regulations to put a merchant on the TMF list are reasonably limited, but appear regularly abused.

The simplest manner to appear in the TMF list is to close your merchant service contract with a processing bank and not pay your last statement. Failing to accomplish your credit cards processing deal is almost a guarantee that you will get put on the match file. The closing invoice includes any processing costs that you owe, but also includes any monthly, yearly, or termination fees that were specified on your merchant contract (this is one of the reasons to read each and every word in Merchant Service Contract before you’ll sign it).

There are few more reasons to become listed in TMF file, like high chargeback ratios, processing fraudulent transactions, breaking their merchant account contract, and some more. Running your own credit card through your own merchant account can also get your account closed and listed in TMF.

What to do to get off the file.
Depending on why you are on the TMF, it can be easy to impossible to get off the TMF. If you are on it for committing fraud yourself through your own merchant account, don\'t count on ever getting off. Processors do not like fraud in any way, and if you as a business owner were the cause of it, they will not ever want to provide services to you again.

The only company in the world that can get you off the TMF is the company that put you on it. Does not matter who you talk to, what they promise, who they are, or anything else; it always comes down to the company that put you on it. But we are in the business to open for you new merchant account, when you are in TMF file. For this, you need to fill out our pre-application form and our specialists will contact you in 2-5 days.

The company that puts a merchant on the TMF is the processor that is taking on the risk of allowing the business to process with them. These are often the back end companies that you may have never had any personal contact with. FDMS, Nova, Global, and others are back-end processors. Merchant Service Providers and resellers are not normally the companies that can put a merchant on the TMF, unless they are taking on the risk of your credit card processing, so calling them may have no effect, but regardless, the company you signed up your merchant account with is who you should contact first.

After you find that you are placed on the TMF, you should first call your former merchant account provider. You are going to be on phone with different departments in the company. You may finally be referred to the processing bank itself, but in either case, after some diligent calling you should be able to track down someone who can inform you of your situation. The most important thing is to remain calm and courteous to every person you talk to, no matter how upset or angry you may be. Yelling and acting aggressively toward people at this state is only going to create problems. It is understandable that you are frustrated with the situation, but most of the people you talk to do not have the ability to directly change things. Once you reach someone that can explain your situation to you, possibly in the risk department, they should be able to tell you why you are on the match file and what you need to do to get off the file. At this point make sure you get a more direct phone number for someone that you can correspond with about the situation.

If a business was placed on the match file for a high chargeback ratio, time is normally the only thing that will get the business off. The processor needs to know that they aren\'t going to get stuck with any unanswered bills from the merchant\'s former customer\'s Charge backs.

If you didn\'t pay your final bill, it may just be a matter of making good on your debt with your former processor. I have seen this as low as a few dollars, and the merchant was removed about a week after they made payment.

Unfortunately the majority of the time it is not that simple to get off the match file. It normally takes several weeks to get off the match file. Sometimes it takes negotiations to get charges cleared up, or fees removed. At this point every case is unique. If after a few weeks you are not making any headway, you may need to consult a lawyer. Processors normally use a system called arbitration to avoid taking individual cases to court. It is cheaper than going to a court, and the results are often better for both parties.

It is a good idea to have a clear understands the rules of Visa and MasterCard. Knowing about the match file and the general regulations of Visa and MasterCard can help a lot when trying to get off of it.

If you need legal assistance in getting of the Match file, you will unquestionably need a lawyer that has experience in bankcard law.

How to stay off the match file.
Signing up with the wrong processor greatly increases a businesses chance to ever get put on a match file, especially for incidental reasons. I personally recommend signing up for a merchant account with reputable processors, as businesses with these companies are much less likely to experience problems with the match file. In any case, make sure the provisions of the merchant account application, particularly the contract period and any associated termination fees are well understood before signing.

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