Square – Square is becoming more and more popular everyday.  Yet, we can crush their pricing and give better support, equipment, and all around experience.  Aside from their excellent marketing campaigns, they are no match for us.

PayPal – Again, we crush their pricing and Paypal processing always sides with the user in disputes.  Not the type of partner you want, when they won’t have your back if an issue were to arise.  PayPal’s big pull is their trusted name, but it comes at an expense that is flat out not worth it.

Quickbooks – 95% of the time we crush their pricing too.  Quickbooks can custom quote and sometimes wind up in the ballpark, but rarely ever do this.  And besides, the main reason people choose Quickbooks is because they are already using Quickbooks software for their accounting and want the convenience of being able to have payments linked to their account.  And to be able to send invoices with links to click and pay (they charge more for this BTW).  But, we are Quickbooks compatible and and link into their software using a plugin for a one time fee (versus their monthly expense for this feature).

Chase Paymentech – Chase Paymentech’s big thing is that they deposit the funds next day.  So do we.  And they have better pricing than majority of the other major providers out there.  So do we.  But ours is a good bit better.  Other than that, Chase does not actually do the processing themselves, they simply back the money.  Sounds nice, but call in to get some help if an issue were to arise and see how well that goes.  Chase does not actually support this themselves, since this is outsourced to a different company.  The convenience of banking and processing with the same company is lost, but they do not like you to know that.

TRUST.  TRANSPARENCY.  HONESTY.

The owner of the company started the company for a lack of the 3 principles above in a majority of the merchant services providers he had dealt with when on the customer end.  Hidden fees, “Yes-men” telling you whatever you want to hear to close the deal, fine print in contracts that give you a raw deal, and bold faced lies are common place in this industry when dealing with agents/agencies that lack scruples.  This was the foundation upon which this company was built.  He vowed to offer a honest and straight-forward option for customers to choose from.  And along the way established a relationship with one of the largest and most respected processors in the industry giving him the ability to offer some the industries best pricing as well.  With a combination of this trust-worthy and transparent approach mixed with some of the best prices available US Card Runners quickly became a no-brainer choice for many Americans looking for just that.  See what makes us different for yourself.  Start saving money with us today!

Interchange rates change depending on the type of card that you use.  Interchange rates are different between Visa, MasterCard, Discover, AMEX, etc.  But they also differ based on what type of Visa (for example) you may be using.  A Visa debit card has a significantly lower fee than an AMEX corporate card.  There is more risk in a corporate card than there is in a personal debit card, as a company is more likely to dispute a charge that could cost the bank money.  Therefor they charge a higher rate for using those   types of cards.

Company A (let’s call them Rectangle) charges a flat rate fee of 2.75% for swiped cards.  It’s a flat rate of 3.5% + $0.15 for keyed in transactions.  They had a great day and processed 100 $200 orders for a total of $20,000, of which 50 were keyed in and 50 were swiped.  If you do the math, the keyed in orders cost you $380 and the swiped orders cost you $275 for a total of $655 in processing fees.

Company B (let’s call them US Card Runners) charges interchange + for the same orders.  Let’s imagine that 50 users used a Visa debit card and 50 used a Visa corporate card.  The 50 debit card users would come in with an interchange rate of 0.05% + $0.21.  That means the 50 debit cards cost (0.25% + $0.10) + (0.05% + $0.21) = 0.3% + $0.31.  That cost is a total of $45.50 (versus $275).  Now, it is true that we’ve tacked on $0.31 in transaction fees, but we’ve also reduced the percentage by 2.44%!!!  Now, the other 50 orders used a corporate Visa and it’s rate was processed at a VERY high 2.5% + $0.10.  Add our fees of (0.25% + $0.10) + (2.5% + $0.10) = 2.75% + $.20.  That cost is a total of $285 (versus $380).  If you add both the keyed ordered and swiped orders you get a total of $330.50 in processing fees.

The difference between processing credit cards with Rectangle (using a Flat Rate Fee) and US Card Runners (using Interchange + system) is $324.50.  Imagine if this savings was multiplied across the rest of the month.  You could be looking at saving your business close to $10,000/month in processing fees!  That’s a bottom line that can’t be argued with.