There is a hot new breakthrough that you have to hear about!

Greetings, DW Agents!

As we are all learning from being in this incredible industry, 'the times they are a'changing'!  Daily.  Sometimes almost hourly.

There is change in technology.  In methods of exchanging payments.  Mediums of payments.  And also in what we are paying for!

One massive change is currently underway in the matter of hemp products.  The efficacy of medical marijuana, Cannabidiol, and hemp oil on a wide array of medical or physical issues and ongoing studies which document those benefits, means that public demand has pushed the industry to the forefront.  Below is a document (from the Documents section of your interface) which is created by DW for your LinkedIn use:  you can personalize and post.

But we recommend you read it here:  it is quite informative!  And motivational, don't you think?!

POST:  Marijuana Dispensaries & CBD Oil

There is a hot new breakthrough that you have to hear about! This is producing massive amounts of leads here on LinkedIn. 

CBD oil & marijuana dispensaries have a very hard time finding credit card processing. We set them up and get paid BIG monthly residuals! Interested?

Follow-up letter:

Hello  (Name)

I just wanted to say thank you for connecting! I also wanted to tell you more about this ground breaking business opportunity. I’ve stumbled across a lucrative niche market in the marijuana and CBD oil industries.

As I mentioned in my previous message, these companies have a very hard time setting up their credit card processing accounts. Most of them do not have merchant services today. We are one of the only processors available to setup their merchant account without complications, which has made it incredibly easy to produce hot leads! 

We’ve done some testing on LinkedIn just connecting and sending letters like this one and have had fantastic success. Once you get one account, you’re almost guaranteed to get referrals!

Legal cannabis is one of the world's fastest growing market sectors. Colorado has more dispensaries than McDonalds, Starbucks, and 7-Elevens combined and the number keeps growing.

With that in mind, remember that 7 states JUST legalized marijuana after the last election. This means that there is a HUGE demand for new dispensaries, and with that comes a HUGE demand for credit card processing! They aren’t calling this the “green rush” for nothing!

But here’s where it gets interesting. 

Commissions for MJ, MMJ, and CBD are much higher than

normal accounts. You can make 0.4% of the amount a merchant processes. So for a company processing $100,000 monthly, you’ll make at least $400 monthly. That’s every month for as long as they use our processing. If you set up just 1 account that size a month for a year -- 12 accounts -- you’d earn $54,000 annually. That’s huge!

The true beauty of this business is the team building side. You’ll have the option of creating a team of people that are all setting up merchant accounts, and you’ll be paid monthly commissions for everything THEY bring in! There are no qualifications or monthly quotas to be paid your

commissions, and residuals are paid for the lifetime of the accounts!

Let’s connect and schedule a telephone chat ---

Consumer and Business noncash payments in the multiple TRILLIONS!

The digital merchant processing industry just keeps rolling along -- it is not an easy train to catch because it is a BULLET TRAIN -- but it is worth getting off to a running start just to have a shot at the residual riches that flow from its path.

How big is it?  Here are some latest growth stats from The Green Sheet and they tend to show that it is still all about the countertop terminal in the small merchant establishments that you frequent -- approach one today!  The numbers are so gigantic that it has me wondering what comes after a Trillion?

Fed details consumer, business noncash payments

Friday, July 7, 2017

Consumers relish electronic payments, and since the turn of the century, they have shifted a significant share of check writing to electronic alternatives such as credit, debit and prepaid cards and the automated clearing house (ACH).

Businesses are weaning off of checks, too, but at a slower pace, and ramping up ACH payments. These are two high-level trends revealed in a new report analyzing the Federal Reserve Payments Study 2016.

The Fed takes a read on noncash payment usage every three years. A report released by the Fed on June 30, 2017, is the first in an expected series drawing on data collected last year from bank and nonbank payment services providers.

Since 2000, noncash payments have been growing rapidly, according to the Fed's analysis. By number, noncash payments nearly doubled, from 72.4 billion in 2000 to 144.1 billion in 2015. That works out to an annual growth rate of 4.7 percent. In that same 15-year span, the total value of noncash payments rose from $75.87 trillion to $177.85 trillion, for a real growth rate of 5.8 percent per year.  (That's Trillion with a T!)

The Fed counts as noncash payments all check, ACH and card payments that clear through the banking system and card networks.
The newly released Federal Reserve Payments Study 2016: Recent Developments in Consumer and Business Choices details differences in household and business payment habits, as well as trends in the usage of alternative payment initiation methods such as mobile and online. Data collected for the study represent 2015 totals.

In 2015, checks accounted for 13.4 percent of all noncash payments and 15.4 percent of the total value of those payments, the Fed reported. This compares to 57.8 percent of all noncash payments and 66.7 percent of the total value of those payments in 2000. Households averaged just 7.1 checks per month in 2015, compared to 19.3 checks per month in 2000.

While business check writing also fell, businesses continue to be prolific check writers, averaging 24.1 checks per month in 2015, down from 66.0 checks per month in 2000. They also are big users of the ACH. But business use of card payments is modest, averaging just 19.7 transactions a month in 2015. The "combined value of business ACH transfers and business checks reached $148.54 trillion in 2015, which alone was more than double the real value of total ACH transfers and checks written in 2000 ($73.78 trillion)," the Fed wrote.

Consumer card payments growing strong

Growth in general-purpose credit and debit cards outstripped growth in all other noncash payment types, driven largely by consumer demand, according to the Fed's analysis. Debit cards are most popular with consumers, followed by credit cards, checks and ACH debits. Here's the breakdown for all consumer noncash payments in 2015 and increases since 2012:

• 57.4 billion by debit card, an increase of 11.7 billion
• 26.9 billion by credit card, an increase of 6.0 billion
• 10.7 billion with checks, a decrease of 1.8 billion
• 10.3 billion using ACH debit transfers, up 2.1 billion
• 6.2 billion by private label prepaid debit card, an increase of 100 million
• 3.6 billion using general purpose prepaid debit cards, an increase of 500 million
• 2.0 billion with private label credit cards, up 400 million
• 300 million using ACH credit transfers, up 100 million

Among all types of consumer payment cards, prepaid debit was the only category with a "significant drop in intensity of use" between 2012 and 2015, the Fed reported. While the number of active prepaid debit cards grew at 26.3 percent a year during that period, the number of payments made increased just 5.3 percent per year.

Meanwhile, alternative payment methods posted significant gains between Fed surveys, although the total number and value of these payments remain low. "When viewed in the context of the total number of noncash payments, these methods, while gaining traction, do not collectively constitute a significant number of payments at the current time," the Fed wrote.

Payments using mobile wallets, for example, grew 71.9 percent a year between 2012 and 2015, but at 1.3 billion, the 2015 total was small compared with other methods of noncash payments. Online payments grew from 1.8 billion in 2012 to 3.4 billion in 2015. Most online and mobile payments clear through the card and ACH networks.

How big is the mm industry?

This from Forbes:

North American marijuana sales grew by an unprecedented 30% in 2016 to $6.7 billion as the legal market expands in the U.S. and Canada, according to a new report by Arcview Market Research.

North American sales are projected to top $20.2 billion by 2021 assuming a compound annual growth rate of 25%. The report includes Canada for the first time as it moves towards implementing legal adult use marijuana.

To put this in perspective, this industry growth is larger and faster than even the dot-com era. During that time, GDP grew at a blistering pace of 22%. Thirty percent is an astounding number especially when you consider that the industry is in early stages.

Arcview's new editor-in-chief Tom Adams said, "The only consumer industry categories I've seen reach $5 billion in annual spending and then post anything like 25% compound annual growth in the next five years are cable television (19%) in the 1990's and the broadband internet (29%) in the 2000's."

ArcView's analysis uses data provided by BDS Analytics that has access to millions of individual consumer transactions from dispensary partners.


Arcview has helped its investors place $91 million with 135 companies since 2013 and primarily focuses on private companies. The industry with its legalization risks does not attract institutional investors in the same amount that other sectors do. “You will not find another multi-billion dollar market growing at a 25% compound annual growth rate anywhere in the world that is not already filled with multi-national companies and institutional investors,” said Troy Dayton, Chief Executive Officer of Arcview Market Research. “That's part of what makes the cannabis industry such a unique opportunity for investors and entrepreneurs.”


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Though controversy surrounds the hemp product, pubmed.gov research searches show an impressive array of CBD or hemp positive results in a wide variety of diseases and illnesses.

It is a great avenue for study -- and a great revenue stream for merchant processing for an enterprising DW Agent!