Learn why it isn’t about the rates.

1. Payment Processing, Inc. I have a great rate… NOT! Your Payment Professionals

2. Payment Processing, Inc. I have a great rate… NOT! Your Payment Professionals

3. Transaction Process Issuing Side Acquiring Side Issuers Merchant’s Local Bank Cardholder PPDirect HOST - Back-End, Processor Merchant HOST - Front-End, Processor

5. Monthly Service Fee

7. There are 250 Interchange Rates

8. Interchange Interchange CAN AND WILL be anywhere between 0.00% - 3.10% THIS DOES NOT MATTER!!!

9. Interchange Example How much will a transaction cost if I run a $1,000.00 ticket? What information do we need to answer this correctly?

10. Interchange 1. What type of Business? Utility Company Restaurant Petro New Car Dealer

11. Interchange 2. What type of Card? Rewards Card Consumer Card Check Card Corporate Card

12. Interchange 3. Swiped or Keyed in Transaction

13. Interchange % of total dollar amount of settled sale with no maximum or minimum limits imposed 0.00% - 3.10% Discount Rate Fixed item fee regardless of amount of sale, but can vary by interchange category $0.00 - $35.00 Small % of total dollar amount of settled sale that goes directly to Visa & MasterCard Discount Per Item .0925% - .0950% Dues & Assessments

15. Total Fees / V,MC Sales = Effective Rate

17. $97,354 V,MC Sales & $1,974 Fees

18. $42,962 V,MC Sales & $1,346 Fees

19. $64,397 V,MC Sales & $1,642 Fees2.06% 2.03% 3.13% 2.55%

20. Types of Statements Tiered 1.75% 2.50% 3.21% Mid -Qualified Non -Qualified Qualified

22. FF = $2.00

23. Cheese = $3.00

24. Ketchup =$1.00

25. Lettuce = $1.00

26. Tomato = $1.00

27. Plate = $1.25

28. Napkin = $0.50

29. Pickle = $1.00Actual price = $14.75

31. Our terminal level software is programmed to automatically seek and identify the best possible level of interchange for each specific transaction and assign it appropriately.