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.

What is the Terminated Merchant File or TMF?
The Terminated Merchant File or TMF listed merchants whose merchant accounts were terminated for cause. Though the Terminated Merchant File (TMF) no longer exists, its name is still commonly used to refer to the MATCH file.

Read more F.A.Q.

What is the Terminated Merchant File or TMF?

If you have had your merchant account terminated by the merchant account processor, your business name might end up on this list. Visa and MasterCard members both contribute to the combined MATCH list; however, MasterCard hosts and regulates the use and access of the system.

The system works by manually entering or batching data through MasterCard's online system for inquiry. When a merchant is identified on the system, there is one of two replies: Exact Match or Partial Match.

Exact Match: Business Name, Tax ID#, Phone Number, Owner Name, SS#.
Partial Match: Business Address, Owner Address

Merchant account providers are not prohibited from accepting a merchant that has matched or partially macthed. It is discouraged though and it is considered an unnecessary risk.

The merchant account provider / acquirer who places a merchant on the file has the sole ability to remove the merchant. This is uncommon yet happens more than one would expect. Placing a merchant on MATCH may seem excessive in some circumstances, but it is mandated that a merchant terminated for one of the reason codes listed below is placed on the MATCH file. If the acquirer fails to do so, and the merchant causes another member bank monetary losses, the original member can be liable for those damages.

Merchants can be added to MATCH for any one of the following reason codes:

Excessive Counterfeit
Unauthorized Cardholder Charges
Laundering/Factoring
Excessive Chargebacks
Excessive Fraud (8% violation rate)
Violation of Merchant Agreement
Fraud Conviction

Most reason codes are very specific; some leave room for interpretation. The possibility of a good merchant or otherwise not deserving merchant being placed on MATCH cannot be denied. The ratio still makes MATCH a necessary defense for the acquiring industry
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