Transparency

Transparency – Understanding your Effective Rate

Transparency is the key factor that differentiates me from my competitors. Credit Card processing is a complex business. When I first meet with potential clients their first question frequently is “what is your rate”? This sounds straightforward but due to the numerous variations in rates for different card types, the various fees (statement, transaction, PCI compliance, etc) your actual effective rate is frequently much different that what you are quoted.

I will conduct a complete analysis of your statements to determine your effective rate. I will then walk you through the analysis and teach you how to understand your true costs. As a result whether you decide to do business with me or not, you will be better armed to ask the right questions of the next salesperson that quotes you a rate that seems too good to be true.

My proposal will clearly spell out the costs that I cannot control (Visa, MasterCard charges) and those that I can – my profit. You will literally understand how much I make from your business. After the first month of processing with NoVA PayPros we will conduct an initial analysis of your first statement to ensure I delivered the effective rate, and savings, you expected.

Transparency. It is why I have a loyal customer base that has been with me for many years.

Visa Interchange Rates

Visa U.S.A. Interchange Reimbursement Fees (Download PDF)