Over $10 TRILLION --what?? You want more?

HAPPY NEW YEAR, DIGITAL WORLD AGENT!

2017 is poised to break all records in the cash-less world of commerce -- as well as in the unique and lucrative world of getting money back for merchants who are habitually overcharged for almost every facet of their basic business expenses!

Here are some forecasts:


The point of sale and retail industries have been shaken up in recent years with the rise of new payment technologies. From mobile wallets to on-demand apps, and consumer demand for a more personalized and interactive shopping experience, merchants big and small are facing a new wave of expectations from customers.

To stay ahead of the rapid changes in payment technology, merchants need to understand who is driving these changes. At one-fourth the U.S. population, millennials outnumber Baby Boomers and are three times the size of Generation X. Having grown up in the days of instant gratification (e.g. Netflix), the millennial generation wants everything to be ready when they are. This crosses over into their interactions with a retailer or restaurant, which they expect to be as easy as a swipe, click, or voice command.

As each year brings new technological advances, the POS and retail industries will continue to experience the impact of innovations in payment technology.



Mobile Wallets

Mobile wallets could be the single biggest transformation in payments processing if they take off in the way that many analysts expect.
Retailers are particularly excited about mobile payments because they can offer valuable insights about customer transactions that companies can use to enhance the shoppers' experience. The speed of mobile payments can also help increase foot traffic in stores, which in turn would generate more sales.
In 2014, Apple was the only major mobile wallet on the market. But in 2015, Google and Samsung launched their own mobile wallets, and Walmart, Chase, and other major players joined the market. BI Intelligence, Business Insider's premium research service, expects in-store mobile payment volume to grow from $75 billion in 2015 to $503 billion in 2020.

Swiping will disappear

More merchants will adopt systems to accept chip cards in 2017.

Outside of how much you will pay and how many rewards points you’ll earn, another fundamental aspect of the American credit card experience will continue to change in the new year: how you use cards. As more merchants adopt EMV-enabled payment terminals, you won’t have to ask what to do with your card at checkout much longer. However, there is one place where you can still expect to swipe for the foreseeable future: the gas station. Visa just gave gas stations permission to delay the chip rollout until 2020. If you’re concerned about fraud, that’s not exactly helpful; the pump is one of the easiest targets for skimming card numbers.

Source http://thepointsguy.com/2016/12/5-credit-card-predictions-for-2017/#ixzz4UiscA6Vj

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Nilson Report Dec 2016
Purchase Transactions on U.S. Consumer Payment Systems
Purchases of goods and services accounted for $9.550 trillion in 2015. This accounted for 77.75% of all personal consumption expenditures in the United States. 

Waiting on figures from '16 -- but anything over  $10 TRILLION is a fair number, don't you think??

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Notes from Rob Freytag regarding Clover:  (print and keep handy!)

• 1. Clover issues software updates regularly, unlike other POS systems.
• 2. First Data bought Clover a while back for $40 million.
•     2a.  First Data is the largest company of its kind in the US -- 60% of all biz runs thru it 
•     2b.  Clover is now valued at over $200  million with 60,000 merchants using it
• 3.  First Data has invested Millions in Clover and presently has 100 software engineers in Silicon Valley working on Clover with new app updates being issued each week

• 4.  your Clover system can even take a check in payment  (thru Telecheck) --  in addition to cash and debit and credit and other cards.

• 5.  the Clover Go device is a mobile reader which has EMV -- it is $40 for the device and it syncs with a merchant's  Clover account
• 6.  the Clover mobile weighs 1 pound and is very handy for pay-at-the-table in restaurants

• 7. there are an incredible number of marketing programs which Clover can be used for. For example one app enables a merchant to print coupons directly on the receipts -- these coupons can be read by Clover's scanner when the customer comes back in... that app is a mere $4 a month and can be an  extremely lucrative service!

• 8.  if a merchant does not want to use the cloud services,  Clover can be used strictly as a terminal for No Charge monthly --  the pro version has cloud base and is $30 a month. Trans Armor is Clover's  data breach insurance and encrypts every transaction and tokenizes it and that's included in monthly service fee.
• 9.  20% of all Starbucks transactions are mobile transactions and are covered by Trans Armor

• 10.  the cost for Clover placement if the merchant does not want to buy the equipment outright is $99 a month for 24 months which  includes a full Clover station bundle  also includes $30 for the cloud fee which means the the monthly payment on equipment is  $70 for 24 months

• 11.  the $29 a month plan includes remote access,  24 7 tech support,  all upgrades weekly and monthly,  data storage unlimited  of all the merchants data,  breach protection from Trans Armor and everything else that applies
• 12.  there's also a $20  app that pays your  taxes each month for the merchant --   state sales  taxes  etc. and that's very convenient and a big savings over paying a CPA to do it!.
• Clover is an incredible system for Merchants.... Rob encourages anyone who can and who is serious about the business to invest in a Clover mini for themselves so that they can take that with them on calls  to Merchants--  when a  merchant can get his hands on the unit and see a demo,   you have a sale! 

We're SOLD!  Now all we need to do is go out and start a restaurant!

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If you have time to read this weekend, here's an interesting article from ESPN...

 Just so you know --- it's all the things Digital World IS NOT! 

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Digital World Agents generate income for themselves by saving merchants on their monthly expenses AND by giving merchants access to valuable services they can't get/can't afford anywhere else (see 'Clover notes' above)!

You can buy your life back (e.g. quit your job) with just ONE merchant with DW because an elaborate  recruiting scheme  is not part of the DW comp plan.  The focus, mission and ultimate goal is MERCHANTS!  

So how's that working out for DW Agents?

One new Agent signed a million-dollar merchant in her first 3 months.

A second new Agent is in the process of signing a casino right now -- we were on a conference call with Oracle rep, casino execs and IT, DW and other relevant parties yesterday.

A third Agent has  $30 million/month  in the hopper. (No, we can't' believe it either.)

Several have $50-$100,000/month merchants.

Many more have smaller merchants but helping a smaller merchant feels just as good as helping a larger one -- it just doesn't sound as flashy.

   We see Agents enjoying  merchant success each week.

DW constantly brings new merchant incentives to us to share with merchants and make our mission easier!

For example, how about offering a merchant a Discovery Call with experts who can help that merchant recoup thousands of dollars (and more in many cases) annually?  ... with one very small by-product available to them looking like this:

• Unlimited FREE TeleConsults (phone or smart phone) with MD

• Unlimited access to speak with a Nurse FREE – 24/7

• Doctor Visits – (Guarantees at last 20% Savings)

• Surgical Center Visits - (Savings up to 60%)

• Lab Testing – (Savings up to $300)

• Imaging Studies – (Potential Savings of $750, or more)

• Medical Bill Advocacy – (Avg. Savings of $3,000)

• Dental Treatment (Avg. Savings: 15% to 50%)

• Prescriptions (Mail order & local pick up) (Avg. Savings: 10%- 85%)

• Vision – (Avg. up to 60% Savings)

• Diabetic Supplies – (Retail Packages 60% Off)

• Hearing – (FREE Exam and Up to 60% Off Aids)

• Chiropractic Treatment – Discounts

• Acupuncture Treatment - Discounts

• Patient Advocate Partners - Pathways To Affordable Care (see below)

• Medical Tourism - Domestic & International, Includes Education & Facilitation

PLUS special report....

• Which 9 domestic hospitals provides up to 60% savings on surgical procedures.

• A new hospital where you can save up to 80% on surgical procedures.

• How to easily find the price of any medical procedure in under 1 hour.

• How to save $500 on your next blood test, plus get the results back the next day.

• Secret hacks to negotiate up to 60% reduction on your next hospital bill.

• What you MUST know about your local hospital before you have to visit.

• How to get VIP service from your doctor, while paying less.

• Where to get an MRI for $290 or a CT scan for $190 in your local community.

• The 3 simple magic words that will save you 30% on your next hospital bill.

• How to decrease your wait time in your local E.R. by 80%.

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Think about what U do to earn $125 net IN YOUR DAY JOB.

Tuesday September 15  DWP Business Overview at 110 North Bascom Ave San Jose CA 95128... 5 pm. Bring your guests.

RSVP. Call us and we will have a seat ready for you. 
Robinson 4088769950 DIGITAL WORLD PAY Agent/Pacific Accounts Executive

vimeopro.com/user35631786/dwp-presentations 

vimeopro.com/user35631786/dwp 

savings.digitalworldpay.com 

Watch these links. Decide now. Grow your network. Grow your business!

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GET THIS WORD OUT TO YOUR MERCHANTS!!


 SOURCE: HUFFINGTON POST  9-14-15

The clock is ticking for businesses in the United States that accept card payments - by the end of this month, these merchants must have point of sale (POS) terminals compatible with the new chip-based card technology being rolled out (commonly referred to as EMV). Failure to do so can end up costing business owners greatly, as the cost of fraud is shifted away from banks and onto them. Despite this, most small and midsize business (SMB) owners are not ready, or not planning on upgrading their readers. The reason behind this pushback can be attributed to two major causes.

We surveyed some of the most readily available card readers to merchants, through online providers, and found that the average cost of a card reader that supports signatures to be $556, while the non-signature counterparts cost just $206.

The other seldom spoken about cost of EMV is the time lost on upgrading/training. Before they can be put to use, these new POS will need to be linked up with existing computer systems (if any), and installed. After that is done, all register attendants will need to be shown how to use and troubleshoot these readers, so they can show customers the "new way of paying". The larger the business, and the more employees these business owners have working POS terminals, the larger the time cost will become.

Nearly 1 in 4 SMB Owners Think EMV Is Unnecessary. A recent study put out by Justin Guinn, a Market Research Associate with Software Advice, found that 23% of businesses they surveyed consider EMV terminals to be unnecessary. Furthermore, 10% haven't even heard about this new technology before. This study was not the only one to demonstrate the lack of readiness on the part of US businesses. Just last month, Wells Fargo reported that only 49% of business owners are aware of the upcoming liability shift.

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EVEN IF THE MERCHANT DOESN'T 'RESPECT EMV',
he must surely respect the new payment options like Apple Pay and Google Wallet.  They are wrapped up in the FREE emv terminal you can provide him!   Just let him know.

Need brochures?  Contact Barb.

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FROM THE INBOX:

Think about what U do to earn

$125 NET IN YOUR DAY JOB.

We had new Agent join last December and she had not done anything or sponsored anyone - as agent or merchant.

Two weeks ago, she casually mentioned to a biz owner about EMV.

He did his own research and decided to buy a new terminal from this sleeping agent.

When he discovered he could get a FREE terminal PLUS 20% monthly commission, he went to her website, signed as agent and enrolled himself as his own customer.

Sleeping agent made $125.00 so it helps to open your mouth -at least once every 9 months.

And merchant still does not believe he will make $50.00 for enrolling himself as his own merchant.

Mike

Michael R. Lammons
Global Sales Manager
Digital World Pay

559 824 3254 Cell & Text

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"Yes, emv.  Spelled e for elephant, 
m for mommy, and v for vitamin. 
Have you heard of it?"

 

DEALING WITH A MERCHANT who gets a lot of international business and would like to reduce the 1% cross-border fees on that business?  Pivotal's Global One is for them.  Get flyer from your interface, Pivotal section.   (See 'optimize interchange below').






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EPI Clover webinar this afternoon

Clover™ Mobile & Clover™ Mini

The Clover family of solutions is making point of sale more and more convenient! Clover Mobile includes all the benefits and security features of Clover Station and is a smart accessory. Likewise, its sister, Clover™ Mini is the ideal countertop solution for small businesses with tight work spaces and works in conjunction with the full line of Clover products.

We're addressing a complete overview of Clover Mobile and Mini and their impressive family tree in our next webinar:

Wednesday, May 13th – 11am & 4pm ET

Clover Mobile and Mini Overview

Don't miss out! Register online today at: https://electronicpayments.webex.com

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INCREDIBLE NEWS!
Any Pivotal Payments merchant apps that are submitted from May 10^th through May 30^th and activate by June 20^th will receive an EXTRA $50 in upfront bonuses on your personal level! Did your jaw just hit the floor? We are ECSTATIC to make this announcement and anticipate many more merchant applications!

Now available for Pivotal Payments in the interface is marketing materials, applications and much more!

Reminder: Pivotal Payments has a true NO CONTRACT / NO ETF!

 

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Is the whole world going crazy or is it just Digital World Pay? People are getting so excited they're  lining up to get in. We haven't seen this much excitement in business in years.  And we're still under 200 agents! 

 

It's amazing to me the number of  people who make money with Digital World Pay-- not big incomes yet, of course,  but they are all making it. That's  the proof  that it's working:  it is   setup for everybody to earn from their start and to  maximize income  as it grows.  If you have a plan that people can grow -- that's economic magic!

 

Then there's the fact that the  $195 dollar training  packet a new Agent purchases is worth a fortune and it doesn't stop! I hope that you're getting today into the training in your interface. The clips are  short and simple and they've done  a masterful job of the videos--most of them are 2 to 5 minutes so when you have time alone for a few minutes you can hop on your cellphone and watch a whole section. 

 

And then there's also  training webinars and conference calls  continuously. Have you done the excellent Clover training -- and now there's a mini-Clover POS!  Who knew? 

 

And Pivotal's  Jessica gives us ongoing  training which is really thorough and Pivotal has some features your merchant can't get anywhere else.  

 

MOST OF ALL, YOU DON'T NEED TO MAKE THE CHOICE FOR YOUR MERCHANT!  Just collect the processing statement from your merchant, email it in, and let the Digital World Pay experts propose the very best plan for him. 

 

The way/time to start is get serious about your Digital World Pay biz --  it has everything you need to make a professional career income.  We have fallen into a  bowl of cherries here,  guys!

 

 

 

 

 YOU: AGENT FOR