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E-merchants group (EMG) enables merchants both large and small to benefit from their collective account volume and market presence. By joining with fellow merchants, every merchant will be the recipients of better rates and service.
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Link to EMG |
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 | |  Back to Credit Card Processing
Click here to obtain a no obligation comparison
The processors play a revenue game of hide the ball. Sometimes the revenue for them is hidden in chargebacks, statement fees, monthly fees, float time (delay of funding), per transaction fee, batch fees, AVS fees etc. The key is to provide the volume required to affect the result desired by all. Of course, service is as important as savings and this is why EMG is so necessary.
Keep in mind as an EMG member there are no charges for:
1) AVS Fees - ZERO.
2) Batch fees - ZERO.
3) Non - qualified AKA up charges - ZERO.(this can comprise 30% of a merchants monthly costs). Please be advised that mid-qualified (corporate and government cards) are NOT non-qualified.
4) Initiation fee - ZERO.
5) Term of contract fee - waived for members.
6) Chargeback fees ONLY when applicable - $10.00.
7) 24-48 hour funding.
8) No annual fee.
9) ONLY a .02/per transaction convenience fee for Amex or Discover.
10) No set up fee.
11) No application fee.
This plan is really best described as wholesale pricing direct to you. All rates quoted are "per transaction".
For accounts processing $25,000,000.00/yr + please use the contact us link to obtain additonal savings. Please denote in the subject line of your e-mail $25,000,000.00 +.
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The tier structure for card NOT present processing is:
Tier #1 $5,000,000/yr +
1.98% discount rate/.10 for Visa/MasterCard debit cards.
2.04% discount rate/.10 for Visa/MasterCard credit cards.
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Tier #2 $1,000,000 - $4,999,999/yr
2.01% discount rate/.10 for Visa/MasterCard debit cards.
2.08% discount rate/.10 for Visa/MasterCard credit cards.
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Tier #3 $300K - $999,999/yr
2.12% discount rate/.15 for Visa/MasterCard debit cards.
2.19% discount rate/.15 for Visa/MasterCard credit cards.
$5.00 statement fee.
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Tier #4 <$300K/yr
2.16% discount rate/.15 for Visa/MasterCard debit cards.
2.23% discount rate/.15 for Visa/MasterCard credit cards.
$7.50 monthly fee.
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If you are a card present business we offer rates starting at 1.54% and .15/per transaction. Both your card present business and not present business can be combined to obtain the best discount rate for you.
SERVICES AVAILABLE TO EMG MERCHANTS AT NO ADDITIONAL COST:
1) Mymerchantview.com allows an EMG merchant to see all credit card transactions on a daily basis and this makes reconciliation a breeze. With this program you can also do bin look-up on-line. Bin look-up allows a merchant to find the issuing banks telephone number for credit cards that require manual verification.
2) 24/7 customer service.
3) International telex service allows you to verify billing information for "most" countries. This allows EMG members to safely expand their business into the global marketplace.
4) All EMG merchants are assigned their own Account Executive (AE). As an EMG member, you will receive the office and cel phone number for your AE. There is simply no way of emphasizing the value of having your own AE.
5) As an EMG member you are part of a larger group. EMG consists of hundreds of merchants, processing hundreds of millions of dollars a year. Common sense tells you that a group this large yields more influence for its members then any singular individual can ever hope to attain.
6) Our processor is proud to offer a chargeback prevention program. In taking this proactive approach you will not incur needless fees. We call it a chargeback defense system see below:
The Chargeback Defense System is utilized for all chargebacks received. Chargebacks are received electronically from the interchange and passed to the Chargeback Image Processing System from the Automated Chargeback System. CDS compares each chargeback against the full range of Visa and MasterCard association rules and regulations. The item is also checked automatically against the files maintained for:
* Authorizations
* Chargeback within timeframes
* Reason code valid for Merchant Category Code (MCC)
* Reason code valid from card acceptance mode
* Preceding retrieval, if required
* Authorization search if required by reason code
* Automatic check to see if credit has been issued
7) As an EMG member you will find reading your month ending statement to be simple, contrasted to other processors. The additional charges often found with other programs are not found in our program and all fees are deducted at months end. Thus, reconciliation is painless.
Platforms that our processor supports:
Abacus, Assure Buy, Authorize.net, BCE Emergis, Blackboard Inc., Cable & Wireless, Chelsea Interactive, ClearCommerce, CyberSource, QSI Payments, SkipJack, First Atlantic Commerce, IPayment Gateway, Merchant Commerce Inc., Intellipay, Internet Billing, Linkpoint, Logic Communications, MSBill.com, Nauticom, Neovi, Orbit Commerce, Paycom, Plug & Pay, PSiGate, Shift 4, SurePay (B to C), SurePay (B to B), US Internet Working, USAePay, VeriSign, Yahoo!, Ecommerce Group, Thermeon, Transaction Technologies, Eprocessing Network, and Innovative Gateway Solutions.
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| If you are interested in becoming a member of our e-merchants group and would like to join the hundreds of companies already saving money today, please click here. |
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