Transaction Processing & Electronic Payment Solutions

Membership has benefits

ChamberCharge^®

How do your rates compare?
Let us provide you with a no obligation payment processing analysis today.

Why Choose ChamberCharge?

• No Application Fee

• No Reprogramming Fee

• No Monthly Minimums

• Free Online Statements

• Special Card Processing Rates

• No Long Term Lease

• Dedicated Customer Support

• Meet or Beat Pricing Policy

Merchant Solutions for your business.

Discount Rate

What Determines your Discount Rate?

There are three primary components that make up your Discount Rate:

Interchange

Interchange pricing consists of a percentage rate plus a per-item transaction fee and comprises the single largest component of your rate. Interchange is the single largest component of your discount rate pricing. All merchant processing companies operate from the exact same card association Interchange.
Network Fees

Front-end processing networks charge fees to operate and keep their networks up 24x7x365. These networks are the backbone for delivering an authorization message as well as the transmission of batch settlements.
Service Fees

Back-end processing expenses include statement reporting and mailing cost, ACH (automated clearing house) funding to the merchant's business checking account, merchant account maintenance, and customer service.

It is important to remember that the difference between rate and actual merchant cost can be significant. Especially with a pricing structure weighted toward fees. Unlike other industries, where sales volume drives price, in the credit card industry, the average transaction size drives the merchant pricing. The reason is, there are more resources and therefore fees associated with processing transactions than there are for simply maintaining a merchant account.

Work with First National Merchant Solutions and let us help you manage your Interchange qualifications and set your price structure to make the most of cost factors everyone must pass along to you if they are going to remain a viable company with quality service and support.

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