Last week, Visa released and posted their April 2011 Interchange Rates on their WEBSITE. If you take a spin on over there, you will find that theirs are quite a bit simpler than the MasterCard Interchange Rate sheets. And, you’ll find it prominently displayed on the main page as “Visa USA Interchange Reimbursement Fees” . Visa has a total of 7 pages (in comparison to 144 pages for MasterCard ) and is laid out in a very simple and straightforward manner so it’s easy to take a comparative look at the current and October 2010 rates. That is precisely what I have done for you and am providing for you here.
When looking at each line item, I discovered that there have been no changes in rates or fees, either up or down (like that ever happens, anyway) across the board. There is, however, one slight change located on page 7 of the report that will likely not affect any reading this. It has to do with Cash Disbursement Transactions (this is Interchange payable from the card issuer back to the Acquirer). And, furthermore it is for merchants in Tier II categories processing more than 26.5 million transactions annually.
As I mentioned earlier, the MasterCard report is much more lengthy and I haven’t had an opportunity to do a comparative analysis and don’t really anticipate doing so. Actually, I have much better things to do with my time like, being available for my family, golfing, putzing in the yard and around the house…well, you get the picture. You can check out my personal WEBSITE if you like, to see what I mean. So, here’s my simple advice to you with this knowledge that you’re acquiring here. The first thing you want to do is take a look back at a few months worth of your current processing statements. Typically, on page 1 of your statement there will be a “Important Information” or “Notification” section. That is where there will be details of upcoming rate change information or other details they feel are important to transmit to you. Unfortunately, I have discovered that very few merchants ever really pay attention to this section, much less than all the rates and fees they are paying. Nonetheless, take a look back to see if there are any “alerts” posted there.
Now, knowing that there were no increases in the Visa Interchange rates and, at this point, we’re uncertain if there were any posted to the MasterCard Interchange rates, you’ll see there really is not much justification for “rate increases” to be passed on to you. If, however, by going over the past couple months worth of statements, or even looking at your most recent March statement, you see that your rates have indeed been increased….get some answers. Call your rep (if you can even find them) or Customer Service and ask for a complete explanation. Tell them that you have been to the Visa and MasterCard sites yourself and want to know how they justify increases in your costs. If you don’t feel satisfied with the answers you are getting, start looking for a new relationship with a different provider.
One more thing I’d recommend that you do. As I mentioned above, “usually” notices of impending rate increases, will show up in that front page section on your statement. However, sometimes (and believe me, I’ve seen this happen), it’s not so “in your face”. So, the best thing you can do is a month to month comparison in the Rates section of your statement. Keep in mind that pretty much all merchant agreements state, somewhere in the fine print, that they have the right to adjust rates as they deem appropriate and justifiable. Since Visa and MasterCard usually make their adjustments to interchange, in April and October of each year, this is typically when processors will make their move, whether there were actual increases or not. So, all I’m saying is, just be alert and pay attention since, after all, it is your bottom-line. As always, if you have any questions or comments, just shoot them my way and thanks for reading.
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Awesome article – are you going to update the site again soon?
Yes, I update as I see information that I feel would be relavent and helpful to merchants
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{
{I have|I’ve} been {surfing|browsing} online more than {three|3|2|4} hours today, yet I never found any interesting article like yours. {It’s|It is} pretty worth enough for
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more|a lot more} useful than ever before.|
I {couldn’t|could not} {resist|refrain from} commenting. {Very well|Perfectly|Well|Exceptionally well} written!|
{I will|I’ll} {right away|immediately} {take hold of|grab|clutch|grasp|seize|snatch} your {rss|rss feed} as I {can not|can’t} {in finding|find|to find} your {email|e-mail} subscription {link|hyperlink} or {newsletter|e-newsletter} service. Do {you have|you’ve} any?
{Please|Kindly} {allow|permit|let} me {realize|recognize|understand|recognise|know} {so
that|in order that} I {may just|may|could} subscribe.
Thanks.|
{It is|It’s} {appropriate|perfect|the best} time to make some plans for the future and {it is|it’s} time to be happy.
{I have|I’ve} read this post and if I could I {want to|wish to|desire to} suggest you {few|some} interesting things or {advice|suggestions|tips}. {Perhaps|Maybe} you {could|can} write next articles referring to this article. I {want to|wish to|desire to} read {more|even more} things about it!|
{It is|It’s} {appropriate|perfect|the best} time
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this {post|submit|publish|put up} and if I {may just|may|could} I {want to|wish
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{Perhaps|Maybe} you {could|can} write {next|subsequent} articles {relating to|referring to|regarding} this article.
I {want to|wish to|desire to} {read|learn} {more|even more} {things|issues} {approximately|about} it!
|
{I have|I’ve} been {surfing|browsing} {online|on-line} {more than|greater than} {three|3} hours {these days|nowadays|today|lately|as of late}, {yet|but} I {never|by no means} {found|discovered} any {interesting|fascinating|attention-grabbing} article like yours. {It’s|It is} {lovely|pretty|beautiful}
{worth|value|price} {enough|sufficient} for me.
{In my opinion|Personally|In my view}, if all {webmasters|site
owners|website owners|web owners} and bloggers made {just right|good|excellent} {content|content material} as {you did|you probably did}, the {internet|net|web} {will be|shall be|might be|will probably be|can be|will likely be} {much more|a lot more} {useful|helpful} than ever before.
|
Ahaa, its {nice|pleasant|good|fastidious} {discussion|conversation|dialogue} {regarding|concerning|about|on the topic
of} this {article|post|piece of writing|paragraph} {here|at
this place} at this {blog|weblog|webpage|website|web site},
I have read all that, so {now|at this time} me also commenting {here|at this place}.
|
I am sure this {article|post|piece of writing|paragraph} has touched all the
internet {users|people|viewers|visitors}, its really really {nice|pleasant|good|fastidious} {article|post|piece of
writing|paragraph} on building up new {blog|weblog|webpage|website|web site}.
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Wow, this {article|post|piece of writing|paragraph} is {nice|pleasant|good|fastidious},
my {sister|younger sister} is analyzing {such|these|these
kinds of} things, {so|thus|therefore} I am going to {tell|inform|let know|convey} her.
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like|I like|I love} {your blog|your site|your web site|your website}!
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Way cool! Some {very|extremely} valid points!
I appreciate you {writing this|penning this} {article|post|write-up} {and the|and also the|plus the} rest of the {site is|website is} {also very|extremely|very|also really|really} good.
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{I will|I am going to|I’m going to|I may} {come back|return|revisit} {once again|yet again} {since I|since i have} {bookmarked|book marked|book-marked|saved as a favorite} it. Money and freedom {is the best|is the greatest} way to change, may you be rich and continue to {help|guide} {other people|others}.|
Hi, {I do believe|I do think} {this is an excellent|this is a great} {blog|website|web site|site}.
I stumbledupon it
Woah! I’m really {loving|enjoying|digging} the template/theme of this {site|website|blog}.
It’s simple, yet effective. A lot of times it’s {very hard|very difficult|challenging|tough|difficult|hard}
to get that “perfect balance” between {superb usability|user
friendliness|usability} and {visual appearance|visual appeal|appearance}.
I must say {that you’ve|you have|you’ve}
done a {awesome|amazing|very good|superb|fantastic|excellent|great} job with this.
{In addition|Additionally|Also}, the blog loads
{very|extremely|super} {fast|quick} for me on {Safari|Internet explorer|Chrome|Opera|Firefox}.
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These are {really|actually|in fact|truly|genuinely} {great|enormous|impressive|wonderful|fantastic} ideas in {regarding|concerning|about|on the topic of} blogging.
You have touched some {nice|pleasant|good|fastidious} {points|factors|things} here.
Any way keep up wrinting.|
{I love|I really like|I enjoy|I like|Everyone loves} what you
guys {are|are usually|tend to be} up too. {This sort of|This type of|Such|This kind of} clever work and {exposure|coverage|reporting}!
Keep up the {superb|terrific|very good|great|good|awesome|fantastic|excellent|amazing|wonderful} works guys I’ve {incorporated||added|included} you guys to {|my|our||my personal|my own} blogroll.|
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the information. I’m {book-marking|bookmarking} and will be tweeting this to my followers! {Terrific|Wonderful|Great|Fantastic|Outstanding|Exceptional|Superb|Excellent} blog and {wonderful|terrific|brilliant|amazing|great|excellent|fantastic|outstanding|superb} {style and design|design and style|design}.|
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to {|my|our|my personal|my own} blogroll.|
{Howdy|Hi there|Hey there|Hi|Hello|Hey} would you mind
{stating|sharing} which blog platform you’re {working with|using}? I’m {looking|planning|going} to start my
own blog {in the near future|soon} but I’m having a {tough|difficult|hard} time {making a decision|selecting|choosing|deciding} between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your {design and style|design|layout} seems different then most blogs and I’m looking for something {completely unique|unique}.
P.S {My apologies|Apologies|Sorry} for {getting|being} off-topic but I had to ask!
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letting me know which {webhost|hosting company|web host} you’re {utilizing|working with|using}? I’ve loaded your
blog in 3 {completely different|different} {internet browsers|web browsers|browsers} and I must say
this blog loads a lot {quicker|faster} then most. Can you
{suggest|recommend} a good {internet hosting|web hosting|hosting} provider at a {honest|reasonable|fair} price?
{Thanks a lot|Kudos|Cheers|Thank you|Many thanks|Thanks},
I appreciate it!|
{I love|I really like|I like|Everyone loves} it {when people|when individuals|when folks|whenever people} {come
together|get together} and share {opinions|thoughts|views|ideas}.
Great {blog|website|site}, {keep it up|continue the good work|stick with
it}!|
Thank you for the {auspicious|good} writeup. It in fact was a amusement account it.
Look advanced to {far|more} added agreeable from you!
{By the way|However}, how {can|could} we communicate?|
{Howdy|Hi there|Hey there|Hello|Hey} just wanted to give you a quick heads up.
The {text|words} in your {content|post|article} seem to be running off
the screen in {Ie|Internet explorer|Chrome|Firefox|Safari|Opera}.
I’m not sure if this is a {format|formatting} issue or something to do with {web browser|internet browser|browser} compatibility but I {thought|figured} I’d post to let you know.
The {style and design|design and style|layout|design} look great though!
Hope you get the {problem|issue} {solved|resolved|fixed} soon.
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This is a topic {that is|that’s|which is} {close to|near to} my heart… {Cheers|Many thanks|Best wishes|Take care|Thank you}! {Where|Exactly where} are your contact details though?|
It’s very {easy|simple|trouble-free|straightforward|effortless} to find out any {topic|matter} on {net|web} as compared to {books|textbooks}, as I
found this {article|post|piece of writing|paragraph} at this {website|web site|site|web page}.
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Does your {site|website|blog} have a contact page?
I’m having {a tough time|problems|trouble} locating it but, I’d like to {send|shoot} you an {e-mail|email}.
And, if you are {posting|writing} {on|at} {other|additional} {sites|social sites|online sites|online social sites|places}, {I’d|I would} like to {follow|keep up with} {you|{anything|everything} {new|fresh} you have to post}. {Could|Would} you {list|make a list} {all|every one|the complete urls} of {your|all your} {social|communal|community|public|shared} {pages|sites} like your {twitter feed, Facebook page or linkedin profile|linkedin profile, Facebook page or twitter feed|Facebook page, twitter feed, or linkedin profile}?|
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I’m {bored to tears|bored to death|bored} at work so I decided to {check out|browse} your {site|website|blog} on my iphone during lunch break. I {enjoy|really like|love} the {knowledge|info|information} you {present|provide} here and can’t
wait to take a look when I get home. I’m {shocked|amazed|surprised} at how {quick|fast} your blog loaded on my {mobile|cell phone|phone} .. I’m not even using WIFI, just 3G
.. {Anyhow|Anyways}, {awesome|amazing|very
good|superb|good|wonderful|fantastic|excellent|great} {site|blog}!
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Its {like you|such as you} {read|learn} my {mind|thoughts}!
You {seem|appear} {to understand|to know|to grasp} {so much|a
lot} {approximately|about} this, {like you|such as you} wrote the {book|e-book|guide|ebook|e
book} in it or something. {I think|I feel|I believe} {that
you|that you simply|that you just} {could|can} do with {some|a few} {%|p.c.|percent} to {force|pressure|drive|power} the message {house|home} {a bit|a little bit}, {however|but} {other than|instead of} that, {this is|that is} {great|wonderful|fantastic|magnificent|excellent} blog. {A great|An excellent|A fantastic} read. {I’ll|I will} {definitely|certainly} be back.|
I visited {multiple|many|several|various} {websites|sites|web sites|web pages|blogs} {but|except|however} the audio {quality|feature} for audio songs {current|present|existing} at this {website|web site|site|web page} is {really|actually|in fact|truly|genuinely} {marvelous|wonderful|excellent|fabulous|superb}.|
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Greetings! {Very helpful|Very useful} advice {within this|in this particular} {article|post}! {It is the|It’s the} little changes {that make|which will make|that produce|that will make} {the biggest|the largest|the greatest|the most important|the most significant} changes. {Thanks a lot|Thanks|Many thanks} for sharing!|
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{Hi there|Hello there|Howdy}! This {post|article|blog post} {couldn’t|could not} be written {any better|much better}! {Reading through|Looking at|Going through|Looking through} this {post|article} reminds me of my previous roommate! He {always|constantly|continually} kept {talking about|preaching about} this. {I will|I’ll|I am going to|I most certainly will} {forward|send} {this article|this information|this post} to him. {Pretty sure|Fairly certain} {he will|he’ll|he’s going to} {have a good|have a very good|have a great} read. {Thank you for|Thanks for|Many thanks for|I appreciate you for} sharing!|
{Wow|Whoa|Incredible|Amazing}! This blog looks {exactly|just} like my old one! It’s on a {completely|entirely|totally} different {topic|subject} but it has pretty much the same {layout|page layout} and design. {Excellent|Wonderful|Great|Outstanding|Superb} choice of colors!|
{There is|There’s} {definately|certainly} {a lot to|a great deal to} {know about|learn about|find out about} this {subject|topic|issue}. {I like|I love|I really like} {all the|all of the} points {you made|you’ve made|you have made}.|
{You made|You’ve made|You have made} some {decent|good|really good} points there. I {looked|checked} {on the internet|on the web|on the net} {for more info|for more information|to find out more|to learn more|for additional information} about the issue and found {most individuals|most people} will go along with your views on {this website|this site|this web site}.|
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I {simply|just} {could not|couldn’t} {leave|depart|go away} your {site|web site|website} {prior to|before} suggesting that I {really|extremely|actually} {enjoyed|loved} {the standard|the usual} {information|info} {a person|an individual} {supply|provide} {for your|on your|in your|to your} {visitors|guests}? Is {going to|gonna} be {back|again} {frequently|regularly|incessantly|steadily|ceaselessly|often|continuously} {in order to|to} {check up on|check out|inspect|investigate cross-check} new posts|
{I wanted|I needed|I want to|I need to} to thank you for this {great|excellent|fantastic|wonderful|good|very good} read!! I {definitely|certainly|absolutely} {enjoyed|loved} every {little bit of|bit of} it. {I have|I’ve got|I have got} you {bookmarked|book marked|book-marked|saved as a favorite} {to check out|to look at} new {stuff you|things you} post…|
{Hi|Hello|Hi there|What’s up}, just wanted to {mention|say|tell you}, I {enjoyed|liked|loved} this {article|post|blog post}. It was {inspiring|funny|practical|helpful}. Keep on posting!|
I {{leave|drop|{write|create}} a {comment|leave a response}|drop a {comment|leave a response}|{comment|leave a response}} {each time|when|whenever} I {appreciate|like|especially enjoy} a {post|article} on a {site|{blog|website}|site|website} or {I have|if I have} something to {add|contribute|valuable to contribute} {to the discussion|to the conversation}. {It is|Usually it is|Usually it’s|It’s} {a result of|triggered by|caused by} the {passion|fire|sincerness} {communicated|displayed} in the {post|article} I {read|looked at|browsed}. And {on|after} this {post|article} April 2011 Visa Interchange Rates | Understanding Credit Card Processing. I {{was|was actually} moved|{was|was actually} excited} enough to {drop|{leave|drop|{write|create}}|post} a {thought|{comment|{comment|leave a response}a response}} {:-P|:)|;)|;-)|:-)} I {do have|actually do have} {{some|a few} questions|a couple of questions|2 questions} for you {if you {don’t|do not|usually do not|tend not to} mind|if it’s {allright|okay}}. {Is it|Could it be} {just|only|simply} me or {do|does it {seem|appear|give the impression|look|look as if|look like} like} {some|a few} of {the|these} {comments|responses|remarks} {look|appear|come across} {like they are|as if they are|like} {coming from|written by|left by} brain dead {people|visitors|folks|individuals}?
{Hi there|Hello}, I enjoy reading {all of|through} your {article|post|article post}. I {like|wanted} to write a little comment to support you.|
I {always|constantly|every time} spent my half an hour to read this {blog|weblog|webpage|website|web site}’s {articles|posts|articles or reviews|content} {everyday|daily|every day|all the time} along with a {cup|mug} of coffee.|
I {always|for all time|all the time|constantly|every time} emailed this {blog|weblog|webpage|website|web site} post page to all my {friends|associates|contacts}, {because|since|as|for the reason that} if like to read it {then|after that|next|afterward} my {friends|links|contacts} will too.|
My {coder|programmer|developer} is trying to {persuade|convince} me to move to .net from PHP. I have always disliked the idea because of the {expenses|costs}. But he’s tryiong none the less. I’ve been using {Movable-type|WordPress} on {a number of|a variety of|numerous|several|various} websites for about a year and am {nervous|anxious|worried|concerned} about switching to another platform. I have heard {fantastic|very good|excellent|great|good} things about blogengine.net. Is there a way I can {transfer|import} all my wordpress {content|posts} into it? {Any kind of|Any} help would be {really|greatly} appreciated!|
{Hello|Hi|Hello there|Hi there|Howdy|Good day}! I could have sworn I’ve {been to|visited} {this blog|this web site|this website|this site|your blog} before but after {browsing through|going through|looking at} {some of the|a few of the|many of the} {posts|articles} I realized it’s new to me. {Anyways|Anyhow|Nonetheless|Regardless}, I’m {definitely|certainly} {happy|pleased|delighted} {I found|I discovered|I came across|I stumbled upon} it and I’ll be {bookmarking|book-marking} it and checking back {frequently|regularly|often}!|
{Terrific|Great|Wonderful} {article|work}! {This is|That is} {the type of|the kind of} {information|info} {that are meant to|that are supposed to|that should} be shared {around the|across the} {web|internet|net}. {Disgrace|Shame} on {the {seek|search} engines|Google} for {now not|not|no longer} positioning this {post|submit|publish|put up} {upper|higher}! Come on over and {talk over with|discuss with|seek advice from|visit|consult with} my {site|web site|website} . {Thank you|Thanks} =)|
Heya {i’m|i am} for the first time here. I {came across|found} this board and I find It {truly|really} useful & it helped me out {a lot|much}. I hope to give something back and {help|aid} others like you {helped|aided} me.|
{Hi|Hello|Hi there|Hello there|Howdy|Greetings}, {I think|I believe|I do believe|I do think|There’s no doubt that} {your site|your website|your web site|your blog} {might be|may be|could be|could possibly be} having {browser|internet browser|web browser} compatibility {issues|problems}. {When I|Whenever I} {look at your|take a look at your} {website|web site|site|blog} in Safari, it looks fine {but when|however when|however, if|however, when} opening in {Internet Explorer|IE|I.E.}, {it has|it’s got} some overlapping issues. {I just|I simply|I merely} wanted to {give you a|provide you with a} quick heads up! {Other than that|Apart from that|Besides that|Aside from that}, {fantastic|wonderful|great|excellent} {blog|website|site}!|
{A person|Someone|Somebody} {necessarily|essentially} {lend a hand|help|assist} to make {seriously|critically|significantly|severely} {articles|posts} {I would|I might|I’d} state. {This is|That is} the {first|very first} time I frequented your {web page|website page} and {to this point|so far|thus far|up to now}? I {amazed|surprised} with the {research|analysis} you made to {create|make} {this actual|this particular} {post|submit|publish|put up} {incredible|amazing|extraordinary}. {Great|Wonderful|Fantastic|Magnificent|Excellent} {task|process|activity|job}!|
Heya {i’m|i am} for {the primary|the first} time here. I {came across|found} this board and I {in finding|find|to find} It {truly|really} {useful|helpful} & it helped me out {a lot|much}. {I am hoping|I hope|I’m hoping} {to give|to offer|to provide|to present} {something|one thing} {back|again} and {help|aid} others {like you|such as you} {helped|aided} me.|
{Hello|Hi|Hello there|Hi there|Howdy|Good day|Hey there}! {I just|I simply} {would like to|want to|wish to} {give you a|offer you a} {huge|big} thumbs up {for the|for your} {great|excellent} {info|information} {you have|you’ve got|you have got} {here|right here} on this post. {I will be|I’ll be|I am} {coming back to|returning to} {your blog|your site|your website|your web site} for more soon.|
I {always|all the time|every time} used to {read|study} {article|post|piece of writing|paragraph} in news papers but now as I am a user of {internet|web|net} {so|thus|therefore} from now I am using net for {articles|posts|articles or reviews|content}, thanks to web.|
Your {way|method|means|mode} of {describing|explaining|telling} {everything|all|the whole thing} in this {article|post|piece of writing|paragraph} is {really|actually|in fact|truly|genuinely} {nice|pleasant|good|fastidious}, {all|every one} {can|be able to|be capable of} {easily|without difficulty|effortlessly|simply} {understand|know|be aware of} it, Thanks a lot.|
{Hi|Hello} there, {I found|I discovered} your {blog|website|web site|site} {by means of|via|by the use of|by way of} Google {at the same time as|whilst|even as|while} {searching for|looking for} a {similar|comparable|related} {topic|matter|subject}, your {site|web site|website} {got here|came} up, it {looks|appears|seems|seems to be|appears to be like} {good|great}. {I have|I’ve} bookmarked it in my google bookmarks.
{Hello|Hi} there, {simply|just} {turned into|became|was|become|changed into} {aware of|alert to} your {blog|weblog} {thru|through|via} Google, {and found|and located} that {it is|it’s} {really|truly} informative. {I’m|I am} {gonna|going to} {watch out|be careful} for brussels. {I will|I’ll} {appreciate|be grateful} {if you|should you|when you|in the event you|in case you|for those who|if you happen to} {continue|proceed} this {in future}. {A lot of|Lots of|Many|Numerous} {other folks|folks|other people|people} {will be|shall be|might be|will probably be|can be|will likely be} benefited {from your|out of your} writing. Cheers!|
{I am|I’m} curious to find out what blog {system|platform} {you have been|you happen to be|you are|you’re} {working with|utilizing|using}? I’m {experiencing|having} some {minor|small} security {problems|issues} with my latest {site|website|blog} and {I would|I’d} like to find something more {safe|risk-free|safeguarded|secure}. Do you have any {solutions|suggestions|recommendations}?|
{I am|I’m} {extremely|really} impressed with your writing skills {and also|as well as} with the layout on your {blog|weblog}. Is this a paid theme or did you {customize|modify} it yourself? {Either way|Anyway} keep up the {nice|excellent} quality writing, {it’s|it is} rare to see a {nice|great} blog like this one {these days|nowadays|today}.|
{I am|I’m} {extremely|really} {inspired|impressed} {with your|together with your|along with your} writing {talents|skills|abilities} {and also|as {smartly|well|neatly} as} with the {layout|format|structure} {for your|on your|in your|to your} {blog|weblog}. {Is this|Is that this} a paid {subject|topic|subject matter|theme} or did you {customize|modify} it {yourself|your self}? {Either way|Anyway} {stay|keep} up the {nice|excellent} {quality|high quality} writing, {it’s|it is} {rare|uncommon} {to peer|to see|to look} a {nice|great} {blog|weblog} like this one {these days|nowadays|today}..|
{Hi|Hello}, Neat post. {There is|There’s} {a problem|an issue} {with your|together with your|along with your} {site|web site|website} in {internet|web} explorer, {may|might|could|would} {check|test} this? IE {still|nonetheless} is the {marketplace|market} {leader|chief} and {a large|a good|a big|a huge} {part of|section of|component to|portion of|component of|element of} {other folks|folks|other people|people} will {leave out|omit|miss|pass over} your {great|wonderful|fantastic|magnificent|excellent} writing {due to|because of} this problem.|
{I’m|I am} not sure where {you are|you’re} getting your {info|information}, but {good|great} topic. I needs to spend some time learning {more|much more} or understanding more. Thanks for {great|wonderful|fantastic|magnificent|excellent} {information|info} I was looking for this {information|info} for my mission.|
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