The Truth about Merchant Credit Card Processing Fees & Costs

In Today’s Economy it’s all about Price, Price, Price - Right?

USBSwiper.com is Your Best Value in Credit Card Processing – Here’s Why:

Other Merchant Credit Card Processing Companies lure you in with ridiculous teaser transaction rates as low as 1.7%!  They tell you that they have the lowest rates going - right?  Well as we all know from our algebra studies, when one side of the equation is lower the other side has to be higher.  It’s the same thing here.

Now they may just very well offer a low start rate which on the surface appears to be great – that is - until you really understand how it all works.  There are what is called “Qualified” and “Non-Qualified” Transactions.  The “Qualified” transactions are the ones that “Qualify” for the low teaser rates. 

Business cards, International Cards, American Express Cards, Discover Cards, rewards and mileage cards to name a few… These all fall under the “Non-Qualified” transaction rate guidelines, and based on several factors, the rates on those transactions can run you as high as 4% or more!  When you average out your overall monthly transaction rate costs, your “True” rate can actually be well over 3%!  Also, you had better watch out because these companies are very quick to “Lock-You-In” to a long 1 – 3 year contract for that very reason.  They know that once you learn the truth, it’s already too late. 

With USBSwiper.com, there is no such thing as “Qualified” or “Non-Qualified” Transactions. All your transaction rates are priced FLAT for all 4 major credit cards between 2.2% – 2.9%* based solely on your monthly volume of credit card charges.  Remember the algebra equation?  Well the low teaser rates that these other companies throw at you typically get offset by expensive terminal leasing costs and other monthly “junk” fees such as “Statement Fees” that they charge you on the back end.  So in the end, USBSwiper.com may actually save you hundreds of dollars per month on your processing fees over other systems. 

When you compare and know the truth about Merchant Credit Card Processing Systems, You’ll see that USBSwiper.com beats the others “Hands Down”!!

Why is USBSwiper the Best Credit Card Processing System?

True Mobility Allows Credit Card Processing in the Field

You probably already own what you need to accept credit cards using USBSwiper while mobile...a laptop! Combined with our affordable software and USBSwiper magnetic credit card reader you are completely mobile and can process credit cards anywhere you have internet access, even in a corn field!

Because USBSwiper works with both Mac and Windows based computers, you are afforded the utmost in versatility when it comes to equipment you can use. Imagine the ability to take and process credit cards anywhere your business needs to be.  Add more profit to your bottom line by eliminating the need to send out bills and then wait, hoping to be paid later.  Go Mobile with USBSwiper.com!

The USBSwiper’s compact, portable USB credit card reader makes setting up a mobile credit card terminal incredibly easy. Slip it into your laptop carrier, backpack, brief case, or even a coat pocket, and take it anywhere you want to process credit card transactions remotely. A trade show. A training seminar. A street fair. The possibilities are truly limitless. In fact, taxi drivers can even mount the portable USBSwiper card reader on the dashboard of their cabs. The myriad mobile uses include...

• Antique shows
• Art festivals
• Babysitting services
• Church bazaars
• Conventions
• Curbside baggage check-in
• Fairs and carnivals
• Farmers’ markets
• Flea markets
• House cleaning services
• In-home portrait photography
• Mall kiosks
• Seminars
• Souvenir sales at music concerts
• Taxi service
• Trade shows
• You name it!

No Expensive Hardware to Purchase or Lease

Typical credit card merchants require you to buy or lease expensive wireless hardware equipment that can range into the thousands of dollars.  In the end, monthly leasing fees are usually multiple times the amount the equipment would be to buy at the beginning.  In addition, there are often hidden fees such as wireless usage, roaming charges, and network sharing.  With USBSwiper the only hardware you need is a magnetic stripe credit card reader ($49.97).  You purchase the hardware and it’s yours to keep forever.   There are no additional fees associated with the hardware!

You'll Save with a Single, Non-Fluctuating Rate for All Major Credit Cards

With traditional credit card merchant services you’ll often pay a higher rate for American Express, Discover, and other major credit cards. Not so with the USBSwiper card payment processing system featuring PayPal as your credit merchant. The transaction rate’s the same no matter which card your customer uses. You’ll never have to refuse a particular credit card (and discourage a customer) on account of its unprofitably high transaction rate. Better still: you’ll pocket the difference.

You'll Save with Fees Based on Monthly Volumes, Not on Qualified vs. Non-Qualified Transactions

A typical credit card merchant’s base discount rate for qualified transactions may look extremely appealing. But as everyone knows, looks can be deceiving. When the month’s over and you’ve averaged out the qualified, mid-qualified, and non-qualified rates you’ve paid, the outcome can be a disturbingly high average rate per transaction. With the USBSwiper credit card reader and card payment processing software, there’s no such thing as qualified versus non-qualified transactions. Transaction fees based solely on monthly volumes will help keep your costs low and your profits plentiful.

Learn more about saving money with USBSwiper and flat rate fees.

You'll Save with Refunded Fees Whenever You Refund Your Customers

Why be penalized for every credit card refund you issue a customer? If your credit card merchant is keeping the original transaction fees on refunds (or worse still, tacking on additional refunding fees) you’re not only being penalized but incurring unnecessary costs. Unnecessary, because with the USBSwiper credit card processing system your original transaction fees will always be reimbursed to you on customer refunds issued within 60 days of the sale.

You'll Save Whenever You Take an Extended Break from Credit Card Processing

Is your business seasonal? Are you planning to close for remodeling or a richly deserved extended vacation? With USBSwiper card payment processing, you can disabl PayPal Payments Pro at any time and save the corresponding monthly fees. Then, when you’re ready to start swiping credit cards again, just plug in the USBSwiper magnetic-stripe credit card reader, enable PayPal Payments Pro, and pick up where you left off. How’s that for a favorable deal?

You'll Save by Avoiding Long-Term Contracts and Cancellation Fees

You don’t have to accept the restrictive provisions of a credit card merchant’s long-term contract, or incur a hefty cancellation fee should your circumstances change. Choosing USBSwiper credit card processing means no more long-term contracts or cancellation concerns. You can cancel at any time without obligation.

Don't Type It, Swipe It!

If you need to take orders over the phone, no worries!  USBSwiper makes it very easy to type in CC information and process orders.  Where it really shines, though, is in your retail store or out in the field.  When your customer hands you their credit card you simply swipe it through our compact, 3.5” USBSwiper credit card reader and your transaction is processed instantly.  No typos, no errors, no time wasted re-entering information.  Just swipe the card and you are paid!

You'll Enjoy Instant Notification of Fraud-Based Chargebacks and Common Transaction Disputes

Nothing like waiting 90 days to find out a customer used a credit card fraudulently and you’re being socked with a chargeback. With some credit card merchants the notification can take that long, leaving you completely in the lurch and powerless to react. But with the USBSwiper card payment processing system and PayPal as your credit merchant, you’ll enjoy immediate chargeback notifications through the PayPal Resolution Center. You’ll also be notified immediately of ordinary transaction disputes arising from such commonplace issues as late delivery, product discrepancies, and more. The result: an unmatched opportunity to take whatever defensive or remedial actions a given situation requires, thanks to the unequaled “early warning system” the PayPal Resolution Center provides.

Quick and Easy Online Application Approved within 24-48 hours and Covers All Four Major Credit Cards

Many credit card merchant processing companies require you to fill out mounds of extensive paperwork.  Often times you’ll be required to fill out the same information multiple times in order to accept different types of cards (ie. American Express, Discover).  Also, approval can take up to a week, wasting valuable time.

USBSwiper utilizes PayPal’s credit card processing services.  To get started, all you need to do is fill out a single online application.  Your application will be processed within 24-48 hours (generally the very next day) and then you’ll be ready to accept all 4 major credit cards using USBSwiper! No additional paperwork, applications, or hassles!

You'll Enjoy Instant Notification of Fraud-Based Chargebacks and Common Transaction Disputes

You'll Also Enjoy the Many Other Problem-Resolving Benefits of the PayPal Resolution Center

Using the PayPal Resolution Center couldn’t be easier, because PayPal guides you through the dispute-resolution process every step of the way. You’ll...

• Review the dispute details
• Exchange messages with the customer
• Reduce the possibility of a dispute escalating into a claim or chargeback
• Issue immediate refunds when warranted
• Retain customer goodwill through prompt and courteous service

Plus, when you use the PayPal Resolution Center to resolve a dispute directly with the customer, you’re protected against any future claim or chargeback related to that transaction.

Learn more using the Resolution Center tutorial

1. Sign in to your PayPal account.
2. Click on Resolution Center under the My Account tab.
3. Go to Resolution Center Tutorials and click on “Seller Tutorial.”

You'll Save by Having a System that Deposits Your Dollars IMMEDIATELY Into Your Account

With USBSwiper, when you make a sale the funds get deposited immediately into your Paypal account.  No more waiting 3 – 5 days or more to see if the money was deposited.  With PayPal's online reconciliation and easy to read statement functions you will literally be able to see your profits in your account the second you make the sale.  Also, if you apply for the Money Market option you will earn interest on your funds as well!

USBSwiper Follows the PCI Data Security Standards

USBSwiper was developed in compliance with PCI Data Security Standards (PCI DSS) by one of only 12 PayPal ACE Certified Developers in the world.  Your Data is encrypted and password-protected within the application, and transactions are securely processed over 128-bit encrypted servers. With USBSwiper, your data will definitely be “Super Safe”.