people love gift cards

Great DW wishes for your Fall Season, Agents!

Lots going on in the DW Universe -- reminder:  it's the time of the year to be thinking of our FREE Gift Certificates for your merchants.  And the reminder comes from Electronic Payments (EPI) with a timely note for all of us --


Summer is coming to an end and the holidays will be here before we know it. Plan ahead and improve your gift card sales by preparing your merchants in advance for the busiest shopping season of the year!

To ensure your merchants are stocked ahead of time, holiday orders must be placed by the following deadlines: Black Friday and Hanukkah – November 1st Christmas – December 1st

Need help with a custom holiday design? No problem! Our talented graphic designers can create the perfect branded holiday gift card concept for your clients.

Visit our Facebook page and share with your merchants!

With the holidays quickly approaching, now is the time to prepare your business for the busiest shopping season of the year! The fact remains – people love gift cards! So, whether you own a small retail boutique or local eatery, with a little planning you can improve your profits and expand your reach this holiday season.

To illustrate just how much the gift giving season influences shopping trends, we've made a list – and checked it twice – to help unwrap additional sales with one of the top wish list items, gift cards!

Last year, consumers spent $27.5 BILLION on gift cards leading up to the holidays, with the majority beginning in September through November 1!

 

 

 

 

 

Reside with Residuals

SAYING A PRAYER FOR ALL OF THOSE IN THE PATH OF HURRICANE IRMA:





 



There are many in the Digital World Agent and Merchant family who are vulnerable to Irma's damage -- if that's you, please know that we are all hoping for your safety and protection!

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Great time for your interested merchant to get a Clover system for his shop:

 Note:  sale ends Sept. 30!

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Gratitude for Residual:

For 3 years now Mike and I have gotten residual checks from Digital World (first it was Merchant Guard, remember?) and we have a serious Attitude of Gratitude for John Daniels'

a. pursuing this awesome idea and
b. sharing it with us!

There are a bunch of you who get those monthly checks for something you did months and years ago.  Can't beat true residual income, and Digital World, while requiring a learning curve on our part, COMES THROUGH with consistent financial rewards!

The secret to just doing a little bit and receiving more and more?

Share your DW opportunity video with a bunch of people* and build a growing team of Agents.  You share in the residuals that THEY build and there is nothing in the industry that can surpass that!

Questions or help?  Text Barb at 5598240668!

*Use the link in your DW interface and send it out to people.  For example, here is my link that I copied from there and pasted here:

www.digitalworldagent.com/?agent=mglammon


 There are several different excellent videos you can send... like the "android pay"!

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ONE GREAT THING ABOUT DW RESIDUALS:

At a time of natural disaster such as we are seeing this month, when your home can be destroyed and your place of business, too, and you have to get money to clean up, rebuild, and get your business going again so you have income for all these expenses.....

it is a great comfort to know that you have ONE source of income that remains unaffected from these events ---   if there were no other reason to work our Digital World business, that alone is enough!

We have built a large team that spans many states with businesses from coast to coast.  Although a storm might interrupt one or two merchants, most will be unaffected and that commission on each customer purchase just keeps on  coming.
 

If you haven't been serious about your DW business, isn't it time?


 

Merchant Testimonials

Because we frequently get questions about Digital World merchants and 'are they happy?', today the blog features a picture of the very first merchant that a DW Agent signed, waaay back in 2015.  That was Agent Angelia Harrington (l) and she is with her friend at a small M___Grill in south Georgia.  The ladies are pointing at the Visa/MC/Amex logo that they affixed to the register because the Grill was CASH ONLY until Angelia spoke the truth about the benefits of taking non-cash payments to the Grill owner.

Angie basically said: "Try it: you'll like it."   "And if you don't, I'll come pick it up and send it back-- no harm, no foul."

Guess what:  the Grill DOUBLED their revenue the first month they went live with card processing, and TRIPLED the month after.

THE COMP PLAN IN ACTION:

Angelia is an Agent that Mike and I personally sponsored.

The M_____Grill is her personal merchant account, so the Grill is on our Level 1 (5%) and Angie's personal level (20%).

I just checked my residual statement in the interface for April, 2017 and, sure enough (sho nuff), we got paid a commission on the processing of M___Grill.  Again.  Just like every month since she plugged in her DW terminal and began letting her customers pay for their burgers with credit, debit or other non-cash ways!  This happy merchant is one of hundreds and hundreds across the US who call DW home.

But remember:

WHEN A DW AGENT SIGNS A MERCHANT ON TO DW PROCESSING, that Agent is in a fiduciary capacity with that merchant, and confidentiality is of PRIMARY IMPORTANCE.  We do not give out names of merchants, nor in any way compromise their privacy or do anything that might interfere with their business operation.

But trust us when we say, Digital World has many happy merchants, just like Angelia's busy cook above!

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But if you want something on the merchant side to brag about publicly, check this out:

Press Release - For Immediate Release

EY Announces Michael Nardy of Electronic Payments Entrepreneur Of The Year® 2017 Semifinalist in New York

April 21, 2017

Calverton, New York - April 21, 2017 - EY recently announced that Michael Nardy, CEO of Electronic Payments, is a semifinalist for the Entrepreneur Of The Year^® 2017 Award in the New York Region. The awards program, which is celebrating its 31^st year, recognizes entrepreneurs who are excelling in areas such as innovation, financial performance and personal commitment to their businesses and communities.

Michael Nardy was selected as a semifinalist by a panel of independent judges. Award winners will be announced at a special gala event on Thursday, June 22, 2017 at the Marriott Marquis.

"Not only am I honored to be selected as a semifinalist for this esteemed award, but I am proud to represent the payments and point of sale industries as a whole," commented Michael Nardy. "Payment technologies are advancing like no other, and this milestone recognizes Electronic Payments' contributions and ongoing innovations to ensure businesses across the country run smarter, faster and better than ever."

Mike Nardy, EPI

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EPI is here! And here! And here....

A key DW processor is EPI --- ever wonder where they are?  

WHERE IS EPI?

 

Florida Office
7800 Congress Ave.
Boca Raton, FL 33487

 

New York Office
1161 Scott Ave.
Calverton, NY 11933

 

Shipping and Receiving Warehouse
3725 Middle Country Rd.
Calverton, NY 11933

 

Washington Office
330 Diagonal St.
Clarkston, WA 99403

The Un-dead Horse

      IT'S COMING~~

It'll be here before you know it!

Stay tuned for incredible news from the DW/Stryde front.  Some of that news may be from YOUR team!
 
 The easiest approach to a merchant IN THE UNIVERSE surely must be ours with Digital World:  

"Our company helps business owners recover, recapture and reduce business expenses -- over $400 million has been recovered for our clients in the past decade.  Just schedule a NO OBLIGATION 15 min. Discovery Call today."

 There is no upfront cost to the merchant:  if we don't get them MONEY, they don't owe us a dime!  It's Christmas in November already!

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Great training with EPI Exatouch expert tomorrow:   check your interface for details!

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Talk fraud to your merchants:

Point-of-sale credit card theft has remained high in the U.S., where 47 percent of all credit card fraud occurs, though the country only represents 24 percent of worldwide credit card volume, according to CreditCards.com.

A full one quarter of American cardholders have been victims of card fraud.  And it's because here, old credit card technology is still widely in use.
Craig Shearman, vice president of government affairs and public relations at the National Retail Federation, said the U.S. has been slow in adopting the latest and greatest credit card tech and moving on from the magnetic strip.

"That magnetic strip is about as sophisticated as an eight-track tape from the 1980s," he said.
Magnetic strips are relatively easy to copy. And blank magnetic strip cards, at the same time, are easy and legal to come by. The strip technology on your credit and bank card is the same technology hotels use today in throwaway guest room keys.

But there is a better credit card technology out there, said Shearman, and it is  The EMV (short for Europay MasterCard Visa) card, equipped with a more secure data chip, is currently being ushered into wide use by American card users. Chip cards create a unique code at every purchase, making it much more difficult to create a fraudulent copy.

Chip cards also emit a signal at each purchase, signaling legitimate use.  "It's not something that's as easy to create as a magnetic strip," said Shearman.
Retailers across the country were given an October 2015 deadline to begin implementing chip card technology in stores. So far, around 1.6 million stores locations — or one-third of all store locations — are chip card-enabled, according to MasterCard.

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 This horse isn't dead: that's why we keep beating it!

U.S. Credit Card Fraud Could Top $10 Billion by 2020

New card fraud protection technology has been slow to catch on in the United States. 

 Source: http://losspreventionmedia.com/insider

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Get some  merchants set up for a Stryde audit  this week and let them know some of the above info --- that will lead to Good Stuff!  For them and for you! 

 

 Digital World Co-Founders John and David Daniels, CEO, will be Special Guests Sunday afternoon, March 20, 2016, at the Simi Valley, CA, DW Event!  It will be at the Junkyard: further details posting to interface and blog Monday.

 

 Bring Everyone!

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See what's new to offer  your appropriate merchant in your interface today.   If you want to know more about the Zero Cost Credit, watch the webinar in Video section!

This service allows the merchant to place  the processing cost of each transaction onto his customers and it is a perfect fit for certain businesses.  More info on webinar in interface.

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New to DW and wondering what the DW business is??

Well, we are a team of independent Agents who connect with merchants all across the US and Canada for the purpose of saving each merchant  on his monthly card processing costs. 

We upload  merchant processing statements to DW's cost-analysis experts for a FREE cost analysis and recommended savings plan for each merchant.  Like this:

There are as many different plans as there are merchant needs:  Agents don't have to make the decisions however -- the DW Processing Experts do that!

And we get paid!!

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NOTE FROM EPI:  PAX S80 has a much quicker download time and supports a full 85’ paper roll compared to the Vx520 60’ roll.

Also unlike the Vx520, the PAX S80 has full support for Tip Adjust on EMV.(Tell that to your restaurant or nail salon owner.)

Therefore 
the PAX S80 is now the free terminal offered by EPI -- not the VX520.
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Reason #8 'why all merchants need a new chip-NFC-ready terminal" (whether they think they do or not):

• 
  

- See more at: http://www.emarketer.com/Article/Mobile-Payments-Will-Triple-US-2016/1013147#sthash.Ah5Oh9uq.dpuf

Mobile Payments Will Triple in the US in 2016

Oct 26, 2015

Nearly one in five smartphone users will use mobile payments by next year

The number of people in the US using their phones to pay for goods and services at the point of sale will continue to climb steadily, with 2016 being a year of significant growth for the technology. According to the latest proximity mobile payments forecast from eMarketer, the total value of mobile payment transactions in the US will grow 210% in 2016.

eMarketer defines proximity mobile payments as point-of-sale transactions that use mobile phones as a payment method, via tapping, waving and similar functionality.
In 2015, mobile payments will total $8.71 billion in the US, with users spending an average of nearly $376 annually using their mobile phone as a payment method. By 2016, total mobile payment transactions will reach $27.05 billion, with users spending an average of $721.47 annually. Total mobile payment sales will rise faster than average spending per user in 2016 because of the growth in the number of overall users of the technology.

“Several factors will drive substantial mobile payments growth in the US. Mobile wallets like Apple Pay, Android Pay and Samsung Pay will become a standard feature on new smartphones,” said eMarketer analyst Bryan Yeager. “Also, more merchants will adopt point-of-sale systems that can accept mobile payments, and incentives like promotions and loyalty programs will be integrated to attract new users.”
eMarketer expects there will be 23.2 million people in the US using proximity mobile payments in 2015. By 2016, that will grow 61.8% to 37.5 million.


Source: http://www.emarketer.com/Articles/Print.aspx?R=1013147

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Here are a few DW options for your merchant -- which one should they be on?  It all depends on their needs .... that's why we upload their processing statement to DW:  so DW can tailor a plan for them:

Desktop Terminal Business types that are suitable for this type of program would be a clothing store, auto repair shop, a doctor's office, a diner, etc. They are most often used in retail shops and restaurants, when the merchant has the customers card in hand, to process the credit card transaction. 70% or more of cards processed by merchant are by physically swiping the credit card. more

Desktop Terminal With Mobile Attachement Used in retail shops and restaurants when the merchant has the customers card in hand, to process the transaction. Examples of businesses who would benefit from both a desktop terminal and a mobile attachment would be limo services, towing, pizza delivery, etc. 70% or more of cards are processed by merchant physically swiping the credit card.

Tablet System PayAnywhere This system is great for small mom and pop stores as well and non-complex retail and restaurants. 70% or more cards are processed by merchant physically swiping the credit card. more Online Application (processing over $5,000 monthly)

Tablet System Clover Mini Used in retail and restaurants when a merchant processes face to face customer sales. Examples of merchants that would be a great fit for the Clover Mini would be, clothing stores, small Mom and Pop stores, small non-complex restaurants, and anyone who wants a Tablet system with a built in printer, that can also keep track of inventory. 70% or more cards are processed by merchant physically swiping the credit card. more

Computer Gateway With Megstrip Computer Gateway, also known as a Virtual Terminal, would be used when a merchant wants to process via the computer. Examples of merchants who would process this way would be a doctor's office, hair salon, lawyer's office, etc. 70% or more cards are processed by merchant physically swiping the credit card. more

Clover Station Merchants who want the convenience of inventory management, reporting, and employee clock in/out, will find Clover has specific apps for every merchant type. Restaurants, retail stores, and resale shops, processing over $20,000 monthly, are a great fit for Clover. 70% or more cards are processed by merchant physically swiping the credit card. more ***************** RIGHT ON!!

Mobile Payments Will Triple in the US in 2016

Nearly one in five smartphone users will use mobile payments by next year

- See more at: http://www.emarketer.com/Article/Mobile-Payments-Will-Triple-US-2016/1013147#sthash.Ah5Oh9uq.dpuf

Mobile Payments Will Triple in the US in 2016

Nearly one in five smartphone users will use mobile payments by next year

- See more at: http://www.emarketer.com/Article/Mobile-Payments-Will-Triple-US-2016/1013147#sthash.Ah5Oh9uq.dpuf

Get to know our Digital World Partners -- today the spotlight is on EPI, a company recognized for outstanding merchant customer service:

Partner with Electronic Payments

Electronic Payments is an industry leader in developing and delivering innovative payment processing solutions and merchant account services to merchants nationwide. At every point of our business, we have a keen attention to detail and build the best technology and tools to ensure that our merchant partners receive the most comprehensive and state-of-the-art processing solutions. As part of our commitment to our merchant partners, we offer:

State-of-the-Art Technology

Wireless Processing, Retail Point of Sale, Supermarket/Multi-lane, Petroleum (Pay-at-Pump), Hospitality, Internet, MO/TO and Restaurant Solutions

Clover^TM Placement Program

With innovative equipment packages, intuitive software and reliable support at no upfront cost, our Clover^TM Placement Program provides feature-rich, affordable, secure solutions for the long-term.

Turn-Key Account Activation

Accounts can be activated nearly instantaneously

Exclusive Access to ProCharge^® Platform

Streamline your entire payments processing system with the most comprehensive, feature-rich payment platform!

Expert Service & Support

Top-notch in-house customer service and 24/7 technical support

Comprehensive Program Options

Customized processing programs for every merchant

Broad Product Selection

Products and services for every need

                           

We've established our Customer Bill of Rights in order to solidify our commitment to you, our merchant, and ensure that you are a satisfied, long-term, customer of Electronic Payments. As part of this Bill of Rights, we guarantee you'll never have to switch processors when the "next best thing" comes along. We'll be here for you every step of the way, and we'll provide your business with programs and services that help you grow your bottom line. As an Electronic Payments partner, you have the right to:

• Fair and equitable pricing and fees for the services we offer.
• Secure data and encrypted transaction processing.
• A direct-processor relationship to cut out the middlemen.
• 24/7/365 technical support.
• Honest and up-front dealings with your processor.

Michael Nardy

Founder & CEO

Michael Nardy, Founder and CEO of Electronic Payments, was exposed to entrepreneurship at a very young age and always had a passion for business.

In 2000, during his vocation as an undergraduate student at Boston College, Mr. Nardy founded Electronic Payments. When not immersed in studies, he focused on selling auction software to global organizations during the height of the Internet and dot-com explosion. He was the only employee and managed the business from his college dorm room; he even missed several classes to assist consumers and international clients.

Mr. Nardy quickly noticed the high demand for payment and transaction processing services. After graduating from Boston College with a dual degree in English and History, he elected to continue his business and raise the bar in the transaction and merchant services marketplace. He moved the company to his home town in Long Island, New York and, within three years, Mr. Nardy hired over twenty staff and developed a network of 400 sales agents and 10,000 merchants across the country.

Today, Mr. Nardy continues to elevate Electronic Payments' products, services and reputation as one of the most respectable acquirers and transaction processing companies in the nation. Since the company's incorporation, he has realized four office expansions, established an unparalleled staff of over 70 in-house employees, a network of 800 agents nationwide, and a portfolio of propriety, innovative products and services. With  a consistent rapid growth rate, Electronic Payments has received numerous industry accolades, including Deloitte & Touch LP and Inc. 500/5000 rankings for five consecutive years. The company now boasts more than 25,000 clients and processes over $6 Billion annually.

Michael Nardy is recognized as one of the industry's top leaders. His success, dedication and contributions to the industry have earned him the honor of being named “Industry Leader” by the Green Sheet and one of "America’s Coolest Young Entrepreneurs under 30" by Inc. magazine. He was also nominated as a finalist for the Ernst & Young Entrepreneur of the Year^® 2011 New York award. Mr. Nardy has been featured in both print and broadcast media, including Newsday magazine, Long Island Business News, the East Hampton Star as well as FoxBusiness News and Sky Radio Network.

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Rest assured your merchant has the BEST service  in processing with EPI!

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Tomorrow:  NAB 

Hilites from 2015

Good Last Week of  2015 -- the FIRST CALENDAR YEAR of Digital World is 'in the books'!

It has flown by and it has been chock-full of surprises.  Here are a few:

DW continually grows without hype or high-pressure meetings...for example, 5 new Agents signed on 2 days before Christmas -- at the invitation of another new Agent... no hoop, no la, no slick big-time guru present (or wanted)!

Training support continues to be excellent, live (thanks, Clover and EPI), and getting ever-easier.

First million-dollar-month-merchant began in September -- with a few more in the works.  That merchant was signed by a new, part-time Agent.

Our monthly residual check on merchant accounts has grown steadily, month after month!  We are now on 3 digits left of the decimal and working on 4!  (Part-time Agent above is at 4 digits working on 5!)

More observations during the week... check back --

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IN THE MEANTIME, set your calendars for

#1 OPPORTUNITY & You're Invited...

Digital World  "Get Together" at Round Table Pizza in San Leandro Plaza

at 1359 Washington Ave. San Leandro CA 94577

Friday...January 8th at 7:00pm...

Host Sean Krohn...with National Directors Mike & Barbara Lammons...

Contact Sean 831-212-5755...Bring Guests!

 


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Payments Industry News:

From The New York Times:

In Sweden, a Cash-Free Future Nears

Few places are tilting toward a cashless future as quickly as Sweden, which has become hooked on the convenience of paying by app and plastic.  

For details:

http://www.nytimes.com/2015/12/27/business/international/in-sweden-a-cash-free-future-nears.html?mwrsm=Email

And now, this hemisphere:  PERU establishing Peru Digital Payments with Bim mobile payments system.  

 Peru, a beautiful country with over 30 million people, has decided to boost the efficiency of bank services available within, due to the fact that in every five Peruvians, only one has a bank account. However the country has over 32 million cell phone users. This is why major Peruvian banks in their wisdom have come together to get cash in on this medium. One of the country’s leading financial institutions, Peru Digital Payments, launched a mobile payment program called Bim on Dec. 15. This program is meant to help unify all their online customer interfaces on a single system.

http://www.thetrendler.com/2015/12/24/peru-to-open-a-nationwide-mobile-wallet/

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This is a great time for teaching your home-merchant friends the convenience and power of accepting mobile payments.

1. No bounced checks.
2. No waiting for payments.
3. No invoicing, etc.
4. Easy bookkeeping.
5. FREE device.

and more...

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$100 extra bonus on merchants extended through 12-31-15 --  SUBMIT NOW!

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NEW YEAR'S MESSAGE FROM ND MIKE LAMMONS:

What a fun biz in an industry that has never allowed "outsiders" to share in it.

Digital World is the first and only  opportunity for you and us "outsiders" to garner some of this biz.

Barbara and i started this biz with John Daniels in Sept, 2014.  At that time,  John had 19+ years in Credit Card Processing and we had ZERO.

However, we had almost 22 years full time in MLM, and helped John implement "The perfect marketing plan for the masses" -- because we had a long list of things we'd like to see in a home biz and a longer list of what we never wanted to see again!!!  

This in an industry that increased from $4 trillion in 2013 to over $5 trillion in 2014.  In the USA.   China market just opened to USA processors in June, 2015 and Wall Street Journal says that market exceeds $72 trillion annually.

At end of Dec. 2014, we had 98 Agents and 27 Merchants using our processing service.

As of this date, we have 478 Agents and more than half that number of  Merchants using our processing service.  Smallest is $1,100 per month and largest is over
$1,000,000 +/- per month.  Our team is now generating almost $2,100,000.00
Monthly in Credit Card Processing Revenue and the residual commission is unreal.

The true residual in this opportunity is like nothing in the entire 120+ years of MLM.

2016 will be the most financial exciting time for each of us.  It all starts by enrolling your friends as Agents during your first 90 days as a new Agent and making Fast Start bonuses.   During this time you  learn the Credit Card Processing biz.

Read Barbara's Blog every day and we wish you great success in 2016.

Mike

Mike & Barb Lammons

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