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AllianZ Consulting Solutions
  • About
  • Get Started
  • Testimonials
  • Step-By-Step Process
  • Breaking Down Your Statement

Let's Break It Down.

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Section(s): Highlighted in green represent the DISCOUNT RATE
Section(s): Highlighted in yellow represent INTERCHANGE
**Be cautious of blended pricing, intertwining interchange with the discount rate can be deceptive**
  • Discount Rates - are Negotiable, and the discount rate is a fee that attaches to the volume being processed. Meaning the more volume you process the more you owe. Pay close attention to these throughout the year as increases are a possibility.
  • Interchange Rates - are NON-Negotiable, and is set by the issuing banks and card brands. This rate fluctuates twice a year in April, and October.  It is the source of all consumer rewards programs. Depending on the cards you accept will dictate the interchange rates being charged to you, as the merchant, to help offset card holder rewards.
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Section(s): Highlighted in green represent Transaction/Authorization Fees
  • Transaction/Authorization Fees - are Negotiable, this rate corresponds to the amount of transactions being ran. These fees are determined through the negotiations of the processing company and the merchant.  
Additional Negotiable Fee(s):
  • Statement Fee - is nothing more than an up-charge.  It is an unnecessary fee that can be removed or reduced.  
  • Batch/Settlement Fee - is a fee accessed for sending closed transactions to the acquiring bank to be processed.  This fee can be removed simply by asking your processing company to remove it.  
  • Processing Minimum - In some unique situations, processors will install a processing minimum. This means if the merchant doesn't hit their minimum sale requirement, they must pay a penalty. Be cautious and aware.
  • Early Termination Fee - is essentially a contract-buyout fee.  This fee guarantees that the processing company is rendered some form of payment if the merchant leaves before the completion of a contract.
    • Additionally, be cautious of a "liquidated damages" clause in the fine print of your contract.  This may be assessed for cancelling/closing a merchant account after a contract is in place.
Schedule A CAll
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"AllianZ is a true source of excellence when it comes to the management of our payment processing systems. Having a trusted source that works in our favor allows us to to worry less about our back-end functions, and more on our business."
                 – Tyson Hunt,  LogBoat Brewing Company
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“These guys want what’s right for their customers. After they did their analysis they came back in and informed me that because I was in such a good situation, they couldn’t help me out. They informed me of this because it was the right thing to do.   I hope they know that they did help me out by giving me very valuable information and a piece of mind.”
              - Sabrina Braden, 
Owner of Maude Vintage

Need Help Reading Your Statement?

Click on your provider below to view a complete breakdown of your statement
Heartland
Tsys
First Data/ Wells Fargo
ElAvon
Vantiv
Chase PaymenTech

Contact

​Headquarters: 2828 Speer Blvd. Suite 200, Denver, CO 80211
Phone: 720.507.8478
Email: bc@ACSwinwin.com
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  • About
  • Get Started
  • Testimonials
  • Step-By-Step Process
  • Breaking Down Your Statement