Credit Card Interchange/Swipe Fees

Tartan Financial Services, LLC provides merchants with equitable credit card transaction pricing and treatment through a coalition called Merchants Against Unfair Interchange (MAUI). MAUI is 100% focused on enhancing the bottom line of merchants by reducing credit card interchange/swipe fees. This is accomplished by insuring compliance with interchange rules. For additional information about MAUI, visit their web site, www.stophiddenfees.us/ .

We are NOT credit card processors, and do not compete with a merchant's current processor. We actually work with the current processor to insure compliance with the Interchange rules that MasterCard and VISA publish. Most merchants are not treated fairly with respect to these Interchange fees, which flow directly to the card issuing banks. We do not have a fee structure. Our fee is a percentage of the measurable savings. We return at least 50% of these savings to the merchant each month.

All we need to determine if a merchant is being treated fairly or unfairly is a copy of the merchant's most recent monthly credit card processing statement. If the merchant is being treated unfairly, we will develop a Merchant Business Assessment that outlines the potential cost reduction that will impact the merchant's bottom line.

Below is information with respect to how the Interchange/swipe fee reductions are accomplished, why businesses utilize MAUI, what MAUI has achieved, and additional information about credit card Interchange/swipe fees.

How does MAUI achieve the Interchange/swipe fee reduction?

1. By continuous auditing of processor statements to insure compliance with Interchange Rules published by MasterCard and VISA. Interchange Rules change semi-annually.

2. By reviewing merchant ID categories ("MID") set forth in the Interchange Rules in order to effect lower charge rates to the merchant on certain client revenue streams.

3. By reviewing the data exchange between the client's POS device, gateway, processor front end, processor back end, acquiring/issuing bank network and card associations in order to reduce various costs.

Why do businesses join MAUI?

Interchange fees charged to businesses are not regulated by the government, and have tripled since 2001 to around $37 billion per year. Additionally, the transaction fees change every April and October for Master Card and VISA.

Businesses lack the time and expertise to identify and audit unfair Interchange fees that are present in their monthly credit card processing statement.

MAUI has retained Interchange consultants who help merchants realize an 8% - 20% reduction in their Interchange fees without changing credit card processors, current equipment, or operations.

MAUI Interchange consultants are not affiliated with any bank or credit card processor. Our Interchange consultants work with a merchant's current credit card processor to point out and fix unfair Interchange fees.

Our fee is a percentage of the measurable savings. We return at least 50% of these savings back to the merchant each month.

What has MAUI achieved?

Since 2008 MAUI has uncovered $6.4 million of unwarranted Interchange fees for merchants.
MAUI has determined the 93% of businesses analyzed are treated unfairly.
MAUI has returned at least 50% of unfair Interchange fees back to our merchants with no change or effort on their part.

Merchant Interchange Fee Savings

We reduce the core processing costs for our clients through very unique and tested proprietary techniques. In fact, it is our sole purpose to protect the business owners and NOT the banks. Most importantly, we are NOT a credit card processor and therefore, have no conflict of interest in representing you. The easiest way to envision what we do is to think of hiring the best lawyers in America and ONLY paying them on contingency if and only if they win your case for you. That is what we do for business owners on a daily basis and it is truly revolutionizing this industry. Our technology and processes will more than impress you and your bottom line without Change or Effort or the need to switch from your current provider.

Merchant service providers can never pad their margins with your money again.

How are we Different?

100% of our compensation comes from the savings you can measure.

The merchant service industry derives profit margins from your processing volume.

The more transactions you process, the more money they take.

Merchant interchange fee reductions increase your profit.

We are compensated by how much money we help you save.

Our clients enjoy the benefits of using interchange compliance to their advantage, not against them.

Immediate Results - Long Term Benefits

Reduced costs without switching processors.

Interchange management without the effort.

Fraud and charge back protection without the hassle.

Your own team of experts without the expense.

93% of businesses need our help because of unfair merchant interchange fee practices. We find 7% of businesses have been treated fairly.

Scope of Services

Implementation of a program to reduce client's credit card costs and fees:

Continuous auditing of processor statements to insure compliance with Interchange Rules published by MasterCard and VISA, which change semi-annually.

Review merchant ID categories ("MID") set forth in the Interchange Rules in order to effect lower charge rates on certain client revenue streams.

Review the data exchange between the client's POS device, gateway, processor front end, processor back end, acquiring/issuing bank network and card associations in order to reduce various costs.

Processor rate negotiation.

Who benefits most from our services?

Businesses with at least $10,000 or more per month in total credit card transactions (money taken from customers).