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Heartland Payment Systems Processing 101

Heartland Payment Systems ,[object Object],[object Object],[object Object]

It’s Not About Rates! ,[object Object],[object Object],[object Object],[object Object]

How it Works! ,[object Object],[object Object],[object Object],[object Object],[object Object]

How it Works ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

All Cards Are Not Created Equal!

Check Cards ,[object Object],[object Object],[object Object]

Check Cards Base Wholesale Rate ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Consumer Credit Cards Base Wholesale Rate ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Consumer Rewards Cards Base Wholesale Rate ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Corporate Cards Base Wholesale Rate ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

All Cards Are Not Created Equal! Retail (review) 1.12% + $.15 $100 purchase = $1.27 1.67% + $.10 $100 purchase = $1.77 1.99% + $.10 $100 purchase = $2.09 1.99% + $.10 $100 purchase = $2.09 *Plus Processing Fees

Down Grade Rates ,[object Object],[object Object],[object Object],[object Object]

Industry Secrets What They Don’t Want You To Know & Why it’s not about the rates… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Industry Secrets What They Don’t Want You To Know & Why it’s not about the rates… ,[object Object],[object Object],[object Object],[object Object]

Industry Secrets What They Don’t Want You To Know About Statement Practices ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Statement Practices Rate increase not warranted 90% of Volume Surcharged 20% of Volume qualifies for Check Card discounts Quoted Rate is 100% meaningless

The Heartland Difference ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

The Heartland Difference ,[object Object],[object Object],[object Object],[object Object]

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