Merchants Group Inc.

Every business is unique and has different elements of risks and as such discount rates differ. Additionally picking the right equipment and the program helps the business achieve higher productivity and accountability. Our customer service department is trained and experienced in suggesting you the best options for your equipment and software needs to give you cost effective efficient solution for your payment processing.

Credit Card Processing – What is my rate?
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PIN PAD
As you will notice from the rate chart that the rates are different for debit and credit cards. The rates for debit cards are much lower than that of credit cards. Due to this fact it is very important that the merchant having face to face transactions should have pin pad to enable the customer enter the pin number. We have noticed that majority of merchants are not aware of this and they don't have pin pads. We at Merchants Group are able to supply a free pin pad to any business wishing to setup processing with us.

RETAILERS
Visa / MC Consumer Debit Card	1.09% plus 25 cents
Visa / MC Consumer Credit Card	1.69% plus 20 cents

RESTUARANTS
Visa / MC Consumer Debit Card	1.39% plus 20 cents
Visa / MC Consumer Debit Card	1.69% plus 20 cents

MOTELS / HOTELS
Visa / MC Consumer Debit Card	1.49% plus 25 cents
Visa / MC Consumer Debit Card	1.79% plus 20 cents

PROFESSIONALS
Visa / MC Consumer Debit Card	1.79% plus 25 cents
Visa / MC Consumer Debit Card	1.99% plus 20 cents

TRADES
POS Terminal
Visa / MC Consumer Debit / Credit Cards	1.99% plus 25 cents
Visa / MC MOTO (Manual Entry)	2.35% plus 25 cents
Touchtone Capture (Land or Cell Phone)
Visa / MC MOTO (Manual Entry)	2.99% plus 25 cents

FLEA MARKET VENDORS
POS Terminal
Visa / MC Consumer Debit / Credit Cards	1.99% plus 20 cents
Touchtone Capture (Land or Cell Phone)
Visa / MC MOTO (Manual Entry)	2.99% plus 25 cents

GAS STATIONS / PAY AT PUMPS
Visa / MC Consumer Debit / Credit Cards	1.59% plus 20 cents
Visa / MC Consumer Debit / Credit Card	2.49% No transaction fees
American Express	3.25% plus 10 cents
Discover	2.95% plus 10 cents
Voyager	2.95% plus 10 cents
Wright Express	3.40% plus 10 cents

AUTO GARAGES
Visa / MC Consumer Debit / Credit Card	1.89% plus 20 cents
American Express	Based on Volume
Discover	3.25% plus 20 cents
Voyager	3.40% plus 10 cents
Wright Express	3.50% plus 15 cents

CAR DEALERSHIPS
Visa / MC Consumer Debit / Credit Card	1.59% plus 20 cents
American Express	Based on Volume
Discover	2.95% plus 20 cents

TAXIES AND LIMOS
Touchtone Capture (Land or Cell Phone)
Visa / MC Consumer Debit / Credit Card	2.99% plus 25 cents

MAID SERVICES
POS Terminal
Visa / MC Consumer Debit / Credit Cards	1.99% plus 25 cents
Visa / MC MOTO (Manual Entry)	2.35% plus 25 cents
Touchtone Capture (Land or Cell Phone)
Visa / MC MOTO (Manual Entry)	2.99% plus 25 cents

AMBULANCE SERVICES
POS Terminal
Visa / MC Consumer Debit / Credit Cards	1.99% plus 25 cents
Visa / MC MOTO (Manual Entry)	2.35% plus 25 cents
Touchtone Capture (Land or Cell Phone)
Visa / MC MOTO (Manual Entry)	2.99% plus 25 cents

FLOORING STORES
POS Terminal
Visa / MC Consumer Debit / Credit Cards	1.79% plus 20 cents
Visa / MC MOTO (Manual Entry)	2.35% plus 25 cents
Touchtone Capture (Land or Cell Phone)
Visa / MC MOTO (Manual Entry)	2.99% plus 25 cents

BEAUTY SALONS AND SPA
Visa / MC Consumer Debit Card	1.49% plus 25 cents
Visa / MC Consumer Credit Card	1.79% plus 20 cents


CAR RENTALS
Visa / MC Consumer Debit / Credit Cards	1.69% plus 20 cents
Visa / MC MOTO (Manual Entry)	2.35% plus 25 cents

MAIL ORDER / HOME BASED
Visa / MC Consumer Debit / Credit Cards	2.25% plus 25 cents
Visa / MC MOTO (Manual Entry)	2.35% plus 25 cents
Touchtone Capture (Land or Cell Phone)
Visa / MC Consumer Debit / Credit Cards	2.99% plus 25 cents

ASSOCIATIONS / UNIIONS
Visa / MC Consumer Debit / Credit Cards	1.79% plus 20 cents

E - COMMERCE / SHOPPING CART
Visa / MC Consumer Debit / Credit Cards	2.25% plus 25 cents
Visa / MC MOTO (Manual Entry)	2.35% plus 25 cents
Touchtone Capture (Land or Cell Phone)
Visa / MC Consumer Debit / Credit Cards	2.99% plus 25 cents

LAND LORD
Visa / MC Consumer Debit Card	1.79% plus 25 cents
Visa / MC Consumer Credit Card	1.99% plus 20 cents

SCHOOLS AND UNIVERSITIES

As the requirements for each institution differ the rates are quoted based on the processing solution needed.

CITY, COUNTY, STATE AND FEDERAL GOVERNMENT

As each arm of the government has different kind of requirements the rates are based on the solution needed. As most solutions are cost free to the government a convenience fee is charged to the user.

UTILITIES - CITY - MUD - COMPANIES

The utilities payments have to be customized according to the needs of the provider, the rates are quoted based on the solution sought. Many solutions are cost free as the consumer is charged a convenience fee,


American Express and Discover rates are based on volume and type of business. NO OBLIGATION COMPARISION Like every thing else rates are based on the volume and risk of business. Please fax us at 713-981-5507 your present statement and let us give a no obligation analysis of the present cost with our proposed cost and your net savings. Some times Merchants are hesitant to provide the statement and ask for the "RATE". As the total cost is not dependent on one "RATE" alone and there are various other factors which make up the total cost, the "RATE" it self is really irrelevant unless all other charges are analyzed. It is just like asking for a price of a car and it is compared without knowing the options and additional equipment it has. THIS IS MERCHANTS GROUP'S GUARANTEE THAT IF WE HAVE SOME THING TO COMPARE WITH, WE WILL GIVE YOU SOME SAVINGS ON YOUR TOTAL COST OF PAYMENT PROCESSING. PLEASE FAX YOUR MERCHANT STATEMENT TO 713-981-5507 SEE US GO TO WORK TO PASS ON THE SAVINGS TO YOU.

Toll Free	:	877-981-5501
Local	:	713-981-5500

Merchants Group Inc is a registered ISO/MSP of HSBC Bank USA, National Association, Buffalo, NY and Wells Fargo Bank.

American Express and Discover Card require separate approval.

Copyright 2007. All rights reserved by Merchants Group Inc.
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