Welcome Restaurant Marketing Group Members Do you fully understand your merchant services program and the fees and charges that you are paying?  The majority of restaurant owners who accept credit cards for payment do not understand their merchant statements and its various charges on the statement. The confusion of the merchant statement is simply for a good reason and that reason is; To enhance the profits of the processing provider If you do not understand the statement then it is quite easy to throw in terms and charges that are actually unrelated to your merchant program just to increase the profits of the provider.  Sad to say this is the majority of the credit card processing industry is to enhance their profits by making their merchant statements confusing. Whenever I analyze a merchant program I find that over 88% of the time the merchant statement is dishonest and the provider is making substantial profits by either hiding charges or moving transactions to other groups of transactions.  Not only do I commonly reduce the merchant program's fees but also eliminate many charges that should not have been there in the first place.  I always present to the restaurant owner a very understandable and simple program with no hidden agendas, and importantly, no enhanced charges to take advantage of the owner. One common practice among others that I find on the merchant statements that are simply dishonest is the program called "multi-tier".  This consists of the processing provider quoting to the restaurant owner an attractive "qualified rate" to accept credit cards for payment and then give to the restaurant owner a rate for a group of transactions what is called "mid-qualified" and also a rate for a group of transactions that is called "non-qualified".  With this type of program, transactions can be easily enhanced with charges without the restaurant owner knowing about it and is very common to make substantial profits.  If your merchant statement has these terms, then your program is not an honest and fair merchant program and many corrections and eliminations must be made which, depending on your volume will; POSSIBLY SAVE YOU THOUSANDS OF DOLLARS PER YEAR! Would you like to see if your credit card processing program is fair or not?  What I can do is completely analyze your present program and tell you what should be changed, reduced or eliminated from your program.  I will explain to you if you simply have a fair program or not and the annual savings that you should expect to receive by having your program changed to our services. I have been in the business of providing the services of credit card processing for many years now.  Because of my industries common practice of taking advantage of restaurant owner's not understanding our industry and presenting dishonest partial merchant programs to enhance their profits, this is why I wrote my book, Merchant Processing 101. As I expected, my book has caused quite a stir in my industry and that stir is from those who present dishonest merchant programs.  Sad to say, this is the majority of my associates and they are making substantial profits at the expense of your bottom line. Because you are a member of Restaurant Marketing Group, I would like for you to read my book at no cost so that you will, more so, understand my merchant program and the savings that I will provide to you.  Just go to the following web page to request the download of my book at no cost; www.merchantprocessing101.com/seminar.html I will then give you a call so that I can do a complete no cost analysis of your present program and show to you the savings by providing our professional services to you.  These savings will be year after year after year. I look forward to hearing from you and if you have any questions or concerns just give me a call on my direct line anytime. Cordially, Bob Becker Comdata Processing Systems 1-866-226-5551 (direct line)