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Martin Luther King Jr. Day 2018

Now, I say to you today my friends, even though we face the difficulties of today and tomorrow, I still have a dream. It is a dream deeply rooted in the American dream. I have a dream that one day this nation will rise up and live out the true meaning of its creed: — we hold these truths to be self-evident, that all men are created equal.

 

We must learn to live together as brothers or perish together as fools.

 

Call us today!

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider.  Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

 

Address

759 Appian Way Ste 1A
Pinole, CA 94564

E-Mail Us

Info@mchzoom.com

Contact Us

1-844-624-9666

Website

www.mchzoom.com

Facebook

https://www.facebook.com/mchzoom

LinkedIn
https://www.linkedin.com/in/mchzoom

Twitter
https://twitter.com/mchzoom

 

Content Release Date Jan 15, 2018- MerchantZoom Inc.

Press Release by 72 Charms LLC, content is the responsibility of MerchantZoom, 72 Charms simply does it’s work for hire, contact us if you need to promote your business, otherwise, contact, MerchantZoom at http://mchzoom.com to take care of your processing needs.    If you need social media content management or WordPress design reach out us at www.72charms.com

Free Statement Analysis

Reading A Credit Card Processing Statement

It’s not enough to simply read a merchant processing statement; the real goal is to understand what you are reading, where your money is going, and to determine whether your business has competitive credit card processing fees.

The goal of understanding a monthly processing statement is being able to answer the following questions:

  • How much am I paying in base cost?
  • How much am I paying in markups?
  • Can I lower base costs?
  • Is my markup competitive?

 

Each of these components is crucial to ensuring that you’re paying as little as possible for credit card processing.

Barriers to Understanding Statements

The three main barriers to understanding a merchant processing statement are lack of knowledge, lack of consistency, and lack of transparency.  Not knowing what to look for is the main barrier to understanding a processing statement. Fundamental knowledge of how credit card processing fees work is a prerequisite to deciphering charges on a processing statement.  The layout and structure of statements vary widely among merchant service providers, making for many different formats. Not only does this make it tough to understand charges on individual statements, it makes it tough to learn how to read a statement when tutorials such as this one don’t match your processor’s statement format.  Merchant service statements embody the lack of transparency that is a major systemic issue in the credit card processing industry. Tiered pricing (also called “bundled pricing”) makes it possible for processors to completely conceal base processing charges.

We offer statement analysis for free. We are going to need you to send us 1 month’s complete previous processing statement.  We’ll email you a detailed analysis that shows exactly how much we can save your merchant. Turnaround on these is typically 24 – 48 hours.

Please make sure the statement is no more than 3 month’s old. Thank you!

  • Check to see if you have attached every page of the monthly statement.
  • Make sure every page of the statement is legible.
  • Make sure the total Visa, MC, and Discover processing volume is over $1,000 for the month.

 

**NOTE: PLEASE SUBMIT A CREDIT CARD PROCESSING STATEMENT. WE WILL NOT DO A FULL ANALYSIS BASED ON ESTIMATED NUMBERS.

 

Call us today!

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider.  Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

 

Address

759 Appian Way Ste 1A
Pinole, CA 94564

E-Mail Us

Info@mchzoom.com

Contact Us

1-844-624-9666

Website

www.mchzoom.com

Facebook

https://www.facebook.com/mchzoom

LinkedIn
https://www.linkedin.com/in/mchzoom

Twitter
https://twitter.com/mchzoom

 

Content Release Date Jan 9, 2018- MerchantZoom Inc.

Press Release by 72 Charms LLC, content is the responsibility of MerchantZoom, 72 Charms simply does it’s work for hire, contact us if you need to promote your business, otherwise, contact, MerchantZoom at http://mchzoom.com to take care of your processing needs.    If you need social media content management or WordPress design reach out us at www.72charms.com

Happy New Year!

We at Merchant Zoom Inc wish you all the best in 2018.  May it be the best year in business so far for you.  Please contact us if you’d like to lower your expenses and increase your profit margins.  That’s what we do here at Merchant Zoom!

Call us today!

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider.  Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

Address

759 Appian Way Ste 1A
Pinole, CA 94564

E-Mail Us

Info@mchzoom.com

Contact Us

1-844-624-9666

Website

www.mchzoom.com

Facebook

https://www.facebook.com/mchzoom

LinkedIn
https://www.linkedin.com/in/mchzoom

Twitter
https://twitter.com/mchzoom

 

Content Release Date Dec 04, 2017 – MerchantZoom Inc.

Press Release by 72 Charms LLC, content is the responsibility of MerchantZoom, 72 Charms simply does it’s work for hire, contact us if you need to promote your business, otherwise, contact, MerchantZoom at http://mchzoom.com to take care of your processing needs.    If you need social media content management or WordPress design reach o

 

Merry Christmas

From all of at Merchant Zoom Inc we wish you a Merry Christmas!

Business Cash Advance

The Business Cash Advance Program is ideal for businesses that might not want to wait weeks for an answer, or cannot qualify for a traditional loan. By basing the funding amount you qualify for on the volume of your average monthly credit card sales or average monthly Bank deposits, the Business Cash Advance program allows lenders to convert your future credit card receivables or bank deposits into the immediate capital you need today!
Benefits Of Business Cash Advance
More Capital
You may qualify for up to 250% of your monthly credit card processing sales volume or your average monthly bank deposits, and use the funds for virtually any business purpose.
Simple Automatic Repayments
Instead of fixed payments required by most traditional banks, repayments are linked to your businesses daily/weekly credit card sales or your bank deposits. Making the pay back process seamless. When sales are slow, payments are minimal and automatically applied until your balance is satisfied.
Need More. Get More.
Approximately 90% of our Business Cash Advance clients participate in the program more than once. In fact, the average customer renews about 10 times!
If you have any questions, let our experts answer these questions. Call us today!

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider. Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

Address
759 Appian Way Ste 1A
Pinole, CA 94564
E-Mail Us
Info@mchzoom.com
Contact Us
1-844-624-9666
Website
www.mchzoom.com
Facebook
https://www.facebook.com/mchzoom
LinkedIn
https://www.linkedin.com/in/mchzoom
Twitter

Content Release Date Dec 18 , 2017 – MerchantZoom Inc.
Press Release by 72 Charms LLC, content is the responsibility of MerchantZoom, 72 Charms simply does it’s work for hire, contact us if you need to promote your business, otherwise, contact, MerchantZoom at http://mchzoom.com to take care of your processing needs. If you need social media content management or WordPress design reach out us at www.72charms.com

It’s The End Of The Year

Time To Review

Here is your to-do list:

  1. Make sure your rep is reputable.
  2. Understand common pricing models.
  3. Know what customer service is available to you.
  4. Get up to date with your equipment and software.
  5. Understand your existing contract terms.

Ask the right questions.

  • Are you being charged an annual fee?
  • Are you paying a monthly minimum penalty?
  • Are you signing a contract term and what is the early termination fee?
  • What is the monthly service fee
  • What is the statement fee?
  • What is the batch fee?
  • What is my American Express transaction fee? More importantly ask if they are on the new Opt Blue Program – they should be.
  • Is there a setup fee?
  • Is there an application fee?
  • What is the PCI compliance fee?
  • What are my funding times?
  • Will my fees be debited monthly or daily?
  • What type of online reporting will be made available to me?
  • Are there fees to reprogram my existing equipment or payment gateway?  How about integration fees?

If you have any questions, let our experts answer these questions.  Call us today!

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider.  Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

 

Address

759 Appian Way Ste 1A
Pinole, CA 94564

E-Mail Us

Info@mchzoom.com

Contact Us

1-844-624-9666

Website

www.mchzoom.com

Facebook

https://www.facebook.com/mchzoom

LinkedIn
https://www.linkedin.com/in/mchzoom

Twitter
https://twitter.com/mchzoom

 

Content Release Date Dec 11 , 2017 – MerchantZoom Inc.

Press Release by 72 Charms LLC, content is the responsibility of MerchantZoom, 72 Charms simply does it’s work for hire, contact us if you need to promote your business, otherwise, contact, MerchantZoom at http://mchzoom.com to take care of your processing needs.    If you need social media content management or WordPress design reach out us at www.72charms.com

Why Choose Merchant Zoom Inc over them?

Why choose us

Absolute Custom Solutions

Providing card payment acceptance solutions, delivering high performance transaction authorization, routing and settlement acquiring platform across industries. The complete Merchant Services solution provides a competent and cost-effective platform that accepts card payments, safely and securely.

• Superior operational performance
• Superior service level delivery
• Advanced risk + fraud management
• Value added services to make you life as a merchant easier.
• Getting it made easy. Seriously. This is our business. Can we take care of you?
• Call me back and actually get a human in your local area to call you – well – back!

Superior operational performance

Excellent service

Merchant Zoom Inc has demonstrated a more resilient transaction routing and authoirzation platform, due to:
• First Data’s investment in world class systems and a dedicated team of in-house developers and operational staff with 24hr monitoring capability when combined with our local on the scene support team.

Add in Calculators, Rates, Equipment Options, and years upon years of experience you got a solid choice for your business with us. You’ll pay less. Make more. Spend less time. Enjoy better service. In short we do what our name says, make your, Merchant Zoom!
Call us today!

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider. Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

Address
759 Appian Way Ste 1A
Pinole, CA 94564
E-Mail Us
Info@mchzoom.com
Contact Us
1-844-624-9666
Website
www.mchzoom.com
Facebook
https://www.facebook.com/mchzoom
LinkedIn
https://www.linkedin.com/in/mchzoom
Twitter

Content Release Date Dec 04, 2017 – MerchantZoom Inc.
Press Release by 72 Charms LLC, content is the responsibility of MerchantZoom, 72 Charms simply does it’s work for hire, contact us if you need to promote your business, otherwise, contact, MerchantZoom at http://mchzoom.com to take care of your processing needs. If you need social media content management or WordPress design reach out us at www.72charms.com

Pricing Models: Tiered Vs. Interchange Plus

In this blog we go over two of the most common pricing models: tiered pricing and interchange plus pricing.

Pricing Models

In this article, I’ll go over two of the most common pricing models: tiered pricing and interchange plus pricing. There are other pricing models available, such as flat rate and subscription, but they’re essentially variations of these two models, so it’s important to have a solid understanding of tiered and interchange plus.

Tiered Merchant Account Pricing

The most popular method because it’s easy to sell and the most profitable for the processor.

Tiered merchant accounts work on a system of “qualification” to determine which rate tier a merchant’s transaction falls into. These are also called “bins,” “rate buckets” or “buckets.” So, a very simple example might look like this:

  • Qualified Discount Rate: 1.XX%
  • Mid-Qualified Discount Rate: 2.XX%
  • Non-Qualified Discount Rate: 3.XX%

 

At times this is complicated with debit variations creating 4-5-6 tiers  depending upon the processor.  Doesn’t matter, the concept is the same all around if there is a flat 1 tier or 6 tiers or the standard 3 tier.

 

Transactions are frequently “downgraded” to a lower level of qualification, meaning a higher cost of transaction. Whether it’s a private or business card, cash back or rewards card, keying the credit card number as opposed to swiping the card and now days even swiping vs. dipping a chip.  Oh, and lest we forget the zip code or 3 digit code on the back of the card or even the billing address will often cause a downgrade. What’s more, the various rate tiers obscure the actual interchange fees being applied.  It’s impossible to know for certain, and difficult to estimate which rate bucket a transaction will fall into until after the transaction has taken place. That also makes it impossible to avoid paying unnecessary fees when using a tiered merchant account.

Interchange Plus Pricing

Traditionally, Interchange Plus pricing accounts have only been available to businesses that do a high volume of credit card sales — usually $25,000 or more per month. However, the market for merchant accounts is more competitive these days, and now smaller businesses (even startups) can get accounts that work on this pricing structure.  So if Interchange clears at $200.00 then you pay that $200.00.  Plus you’ll then pay your agreed “PLUS” price which would be for example let’s say “$0.25” a transaction and “0.25%”  So you’d simply take your number of transactions by the $0.25 and add that to the total volume you ran times the percentage 0.25% of the volume and add those fees back to the $200.00 interchange and you understand your bill.  99.9999% of the time it will be much lower than any Tier type pricing.

Keep in mind, though, that interchange plug pricing by itself is not a silver bullet. It sets the stage to get competitive pricing, but you’ll still need to ensure you have a competitive quote.

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider.  Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

 

Address

759 Appian Way Ste 1A
Pinole, CA 94564

E-Mail Us

Info@mchzoom.com

Contact Us

1-844-624-9666

Website

www.mchzoom.com

Facebook

https://www.facebook.com/mchzoom

LinkedIn
https://www.linkedin.com/in/mchzoom

Twitter
https://twitter.com/mchzoom

 

Content Release Date Nov 27, 2017 – MerchantZoom Inc.

Press Release by 72 Charms LLC
If you need social media content management or WordPress design reach out us at www.72charms.com

Dealing With A Local Company Vs A Large Out Of State Company

Small local businesses have many advantages over their larger out of state competitors. Larger companies are not as nimble and swift as small businesses.  Small businesses can also be more innovative and try new things because they are not slowed by past experiences and accomplishments. The pace of a small company is often very fast, and this speed is frequently an advantage in getting new products to market.

 Close to the Customer

Being close to the customer is important for success in business, and a small business is frequently much closer to the customer than a large one.  A small business can meet with the customer more frequently and develop more of a personal relationship than a large company. A large company has many layers and departments and often has procedures that prevent close contact with the customer. Customer complaints can be handled faster and on a more personal level in a small company, making long-term customer relations easier and more profitable.

Lean Structure

A small business is, by nature, very lean. There are fewer employees than in a larger organization and also fewer layers of management. With fewer employees, a smaller company has less need to lay off associates in hard times and can keep business operating more efficiently. Having fewer layers of management makes decision times much quicker, allowing for flexibility and adaptability that a larger company does not have. Your lean structure means that every employee can be much closer to the business and the customer, allowing for both an understanding of how your company works and increased customer satisfaction.  This also means that you can often deliver the product at a cheaper rate because you have less overhead than the larger national companies that are forced to carry the overhead of large offices and real estate burdens.

Last but not least.  Your support of a local business puts money back in to your community which in turn is spent three more times in your community.  This will help you in your business and your customers in their jobs.  It’s just smart.  So support Small Business Saturday this year and move  your processing to Merchant Zoom Inc if you are in Northern California.

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider.  Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

 

Address

759 Appian Way Ste 1A
Pinole, CA 94564

E-Mail Us

Info@mchzoom.com

Contact Us

1-844-624-9666

Website

www.mchzoom.com

Facebook

https://www.facebook.com/mchzoom

LinkedIn
https://www.linkedin.com/in/mchzoom

Twitter
https://twitter.com/mchzoom

 

Content Release Date Nov 11, 2017 – MerchantZoom Inc.

Press Release by 72 Charms LLC, content is the responsibility of MerchantZoom, 72 Charms simply does it’s work for hire, contact us if you need to promote your business, otherwise, contact, MerchantZoom at http://mchzoom.com to take care of your processing needs.    If you need social media content management or WordPress design reach out us at www.72charms.com

Tis’ The Season For Rate Reviews

With credit card interchange fees constantly changing, many merchants have some difficulty reading and understanding what they are paying for their credit card processing.  How much time do you spend looking at merchant statements?  If you are like most merchants the answer is probably almost never.  Be honest, do you even open the statements, or stack the envelopes in a pile?  Ok, maybe you aren’t that bad.  But hey, this is one of those no fun tasks of being a business owner.  It’s kind of like going to the dentist, no one wants to do it.  Your annual checkup should be now.  Let me tell you why:

 

The holiday season is upon us.  2018 is fast approaching.  We just completed the first month of the fall Interchange rate hike in October.  The next increase won’t be till Spring 2018.  That makes this the season to have your October 2017 statement reviewed by your credit card merchant services professional.  You need to do it now, in order to maximize savings.

 

Getting your statement analysis done is free and without obligation.  All you need to do is give us a call and will discuss your business and how you take payments.  Next, you’ll fax or e-mail your statement from October 2017 (any will do but this would be preferred as it shows the rate increase) over.  Give us a little bit and we’ll be back in touch with your results.  If you like what you see you can take advantage of the savings.  If not you’ve got peace of mind that you already have the best rate.  You nothing to lose and everything to gain.

 

Let’s face it, it’s easy as a business owner to make mistakes when buying and maintaining credit card.  We service merchants anywhere in the USA.  Contact Merchant Zoom today and we’ll consult with you on your best options.

Headquartered in Pinole California, MerchantZoom, Inc. was founded by Wally Arakozie. Previously employed by one of the largest merchant processing companies here in California for nearly a decade. Since the company’s beginnings MerchantZoom, has grown into a reputable national merchant provider.  Along with delivering state of the art technology and competitive rates, MerchantZoom, thrives on personalized local customer service and support. In order for your business to ZOOM!

Address

759 Appian Way Ste 1A Pinole, CA 94564

E-Mail Us

Info@mchzoom.com

Contact Us

1-844-624-9666

Website

www.mchzoom.com

Facebook

https://www.facebook.com/mchzoom

LinkedIn https://www.linkedin.com/in/mchzoom

Twitter https://twitter.com/mchzoom

 

Content Release Date Nov 11, 2017 – MerchantZoom Inc.

Press Release by 72 Charms LLC, content is the responsibility of MerchantZoom, 72 Charms simply does it’s work for hire, contact us if you need to promote your business, otherwise, contact, MerchantZoom at http://mchzoom.com to take care of your processing needs.    If you need social media content management or WordPress design reach out us at www.72charms.com