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ZZOOM works with Incom Direct, the low-cost AND high-service credit card processor.

A few of Incom Direct's clients are the Colorado Automobile Dealers Association, KFC, Big and Tall Stores, Baskin-Robbins, Kwik Kopy, Taco Bell and 28,000 more businesses, trade and professional associations, charities, political groups, and more.
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Do you accept credit cards? How can you make sure you are not paying the rate of a riskier business?
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The Processing Game -
What No One Wants You to Know

We frequently encounter Merchants who tell us they don't need our services - or don't want to have us check their pricing - because they have a "great, low rate." While there is a chance they do in fact have a great, low rate, the odds are otherwise.

When a merchant service provider quotes you a straight rate, such as 1.2%, it sounds great. Merchants often take the deal, signing a multi-year contract with cancellation fees.

They often discover later, much to their chagrin and after their provider has disappeared, that the "rate" they were quoted - and which prominently appears on their contract - is not the rate they are actually getting.

Why? It is because what we call a "rate jockey" has failed to educate the Merchant. Few Merchants understand how rates actually work and apply. This is not the Merchant's fault - it is the fault of their provider. Providers simply don't want Merchants to know about something called "tiered pricing."

Tiered pricing reflects the simple fact that Visa and Mastercard do not treat all credit cards, or transactions, the same. Different kinds of cards are classed as different types of transactions and different rates apply.

When merchants look at their statements and cannot figure out why the rate they were quoted and that appears on their contract does not seem to apply, it nearly always is because of tiered pricing.

Indeed, merchants sometimes find that less than 10% of all their transactions actually fall into the "too good to be true" rate category that appears on their processing agreement.



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