Love Merchant Guard

LOVE THE NEW MERCHANT GUARD explanation de biznez .ppt.   You should have it in your Inbox courtesy the Amazing Avita.  So much is going on  that we are busier than a gopher on a golf course!  

New Agents are submitting new merchant statements to see how much MG can save them DAILY.  Hourly:  

AND IT'S URGENT:  WITNESS THIS email from the  South Georgia leaders:

Here is the agreement for ____________.     Please let me know right away if there is anything else needed. As they would like to have the equipment by Friday 9/19 before the deadline.   This should include the pin-pad for EBT.

Need your help to get this one FAST.              Thanks

Wayne and Angelia Harrington

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And Agents are submitting new Agents almost hourly!

And sometimes the horse gets before the cart.


...like Mike's friend who isn't an Agent yet but who sat down with his friend and got him to submit his biz for an MG proposal because his current processor is charging him over $500/DAY IN FEES!!  Merchant told friend 'if you can save me even $100/month I'm  yours'.  

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Merchants are tired of getting squeezed to the last drop and that's where YOU come in!  Hitch that horse up right and get things heading in the right direction.

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COME SIT DOWN WITH US this week:


9/16/14 7 PM PST Dennys 710 W Shaw Clovis Ca    Mike & Barb Lammons

9/18/14 7 PM PST Harbor Marina San Diego Ca      Rick Andersen 

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We had a blast in San Diego this weekend.  The trip inspired  Mike to this visual comparison:

6 months in Merchant Guard

 

24 months in Merchant Guard!

 Or maybe less ...  since you are  your own boss we know two things:

1. You will find a way to do stuff wrong as often as possible and
2. You will get sidetracked now and then.

 However, most important thing  of all is that MG is making a lot of folks HAPPY:

“The happiest time in a man's life is when he is in  red hot pursuit of a dollar with a reasonable prospect of overtaking it.” --  Josh Billings

ESPECIALLY when that dollar comes from giving value and getting paid over and over on what you do one time!

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EPI's Michael Nardy

BOILING IT DOWN SO IT CAN EXPLODE!

Greetings from a balmy San Diego where the Pacific breeze woos you and the fishing charters leave all day and night, unloading tons of gorgeous fat tuna (I guess they are tuna) right around the corner from our motel.  Mike is fascinated with the whole process:  I just need coffee!

GREAT TIME LAST NIGHT getting to be with Captain Agent Rick Andersen and his team -- and of course, Papa John!

Rick (standing) started his MG team just 2 weeks ago with only Celeste (in pink blouse/blue capris).

Papa John Daniels shares with crowd why this week is  historic for all of us!

From left, Agent Shelley Hanson, guests Butch and Wendy, great agent Brooke Eldridge and new Agent Tom Bressert.

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ALL WALKS OF LIFE  are represented by just the few people in the room last night:  Navy retirees/civilian contractors, online biz owners, fishing charter boat owners, real estate agents, lawyers, insurance agents, property management, etc. -- that's the power of a network like MG.  The reach into all of US commerce is hugely expanded.  (I know:  hugely?)

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John Daniels had a zippy little gizmo with  him that reads the new emv chip cards AND will read the new Apple iPhones with the NCF antenna.  Chip-reading terminals are going to be REQUIRED by Visa/MC starting in 2015 (4 months away) for a merchant to be covered in case of fraud.  We will furnish those new terminals FREE to our merchants.

Ponder this -- do you need more reason to FLY out the door and build your network and gather some statements?!!

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FROM MIKE:

Inbox 5598243254@mms.att.net Sep 10 (2 days ago) to me One of guests at Santa Cruz mtg last nite has been in CC Professing for 7 1/2 years and earns over $15,000 per month and signs TEN new customers per month. Mike even had him share from front of room and he shared he gets ONLY up front money and very little residual. 100% based on his efforts alone. Mike asked him in front of everyone: "What happens to your income in u r in car wreck tonite and land in hospital?" It stops-he said. I told him we enrolled ONLY Sean and all these folks came from him. They do biz for THEIR reasons and we all enjoy $$$$ from LEVERAGE. He also said his company can not compete with Merchant Guard. He is thinking about joining Sean in MG and walking away from His present company. Gotta luv where we are. Mike Click here to Reply or Forward

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Training tomorrow, 9:30 am, 5000 Harbor Drive, Sun Harbor Conference Room, SD.

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Today, chillin', sharin', talkin', lovin' this life!  It's a good time to be an entrepreneur of modest talents -- if you are a Merchant Guard Agent!

HEY, for scanning help, Avita uses Genius scan app... download to your cell phone and you can scan statements, or app documents and email to Avita STRAIGHT from your cell !!  Be sure you are getting good scans to send in so that EPI has a legible copy to analyze. 

 

 You don't have to analyze smaller accounts however, Brooke shared.  Just take an app and sign merchant up -- the benefits they get trump the processor they have currently without getting bogged down.  As he pointed out last night, for a small merchant you're talking pennies compared to free equipment, no PCI charge, free gift cards and free processing, and the rest!

 

 

Merchant Guard ON YOUR SIDE

We're OFF to San Diego!  One of the things we love about this type of biz is we are self-employed, whiich this weekend means a few days meeting great folks by the sea with a nice tax deduction.  (Check out the relevant section of IRS.gov!)

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FROM THE EVER-VIGILANT AVITA to the Harringtons regarding one of their submissions:

As you can see this merchant is doing an extremely low amount. 

They processed 423.23 total. 

On this particular statement they paid 146.86 which is outrageous! 

They paid 35% in fees. Average is 2-3%

They were charged a $79 PCI fee that is one of the reasons it is soo high. 

If you take off that fee they would have been charged about $64.

They are on 0% rate over visa/mc/disc.

We can save them the batch fee which is 25 cents so we can save them $7.25 plus if you take the $79 divide it by 12 it is $6.58.

So total we would have saved them is about $14 doesn't seem like much but when your only paying $64 it is 21%! Plus you will be saving them on the annual fee. NAB usually has a contract so just make sure they are not still in it so they can have a smooth transfer. Being that they are such a small account I would hate to see them have to pay an ETF.

Reminder they are taking PIN DEBIT so they will have to either swap out their terminal for $25 or purchase one for $100.

I have attached the application for you. 

Please let me know if you have any other questions.

Thank you,

Avita Pizano

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No account too large or too small for MG to be on their side and save them money!

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Is our parent EPI awesome?  Here's a happy merchant:

Provoke something GOOD WITH ProCharge!

AWESOME time in  Santa Cruz last night --- powerhouse budding team including Chan, Ileen, Evelyn and brand-new David  -- and guests.  Ideas, excitement and strategies were flowing!  Watch out for these incredibly talented and motivated Agents.

It's Mike's fault we didn't get a picture!  I was forced to gripe all the way home because I wanted to post today -- 

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TONIGHT:  don't miss Papa John's webinar training on Statement Analysis

JOHN DANIELS' TRAINING on Statement Analysis
Wednesday, Sept. 10   6pm Pacific/9pm Eastern
Agents Only so we won't post link on this public site see ur inbx

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WHAT IS PROCHARGE?  Get on your mobile phone and download free Procharge app to play around with and demo;  MG supplies gizmo FREE to your merchant:

here is one  flyer of how it stacks up to  square:

Stop tyranny!  Help a local business today!

How to bring up Merchant Guard to others

TUESDAY GREETINGS from the West Coast Merchant Guard Status Room!

FROM MIKE:  I have a copy of a 2010 Federal Reserve payments study. In 2009 total purchased volume on credit and debit cards was $3.663 Trillion.  Total processing fees  paid that year:  $62.06 Billion.  Folks, that was five years ago!

Merchant Guard is the sole company marketing for a major full-service processor in this industry. 

There are others re-selling -- which means higher fees for the merchant --, and one other at least that we've found that are web only -- no live customer service for the merchant --  but as a subsidiary of a company of the stature of EPI that can give each merchant real savings and service?  Just us!

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JOHN DANIELS' TRAINING on Statement Analysis
Wednesday, Sept. 10   6pm Pacific/9pm Eastern
Agents Only so we won't post link on this public site

You should already have the webinar link and code -- check your inbox and  email Barb or Avita if  you can't find it!  

"John will be doing a meeting on following up with a merchant once you have done a cost comparison/analysis for them.
In the training he will give you the tools that will ensure to close a sale! 


Many of you know business owners so we have faith that you can get them to process with you. Why would they not want to if you are saving them money along with setting them up with a great company!


If you have any questions please feel free to contact John or myself. Hope you can make the meeting!"  -Avita

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We haven't gotten asked yet   how to bring up Merchant  Guard to others because we sure haven't found it difficult so you guys must not either.  But Berry Woods (San Diego Agent) shared what he's sending his friends and we LOVE IT!  Berry makes some good points here -- enjoy:

I know that Financial Freedom is a rather strange concept for most, but please rest assured it can be obtained.  No, it's not EASY, AUTOMATIC, programmed for the LAZY or IGNORANT -- but -- it is obtainable to those who are willing to work toward the goal of independence.   When you "stumble upon a key" to the door of success, it serves you well to "turn the key & open the door!"

52 years ago Ron Stout (with the encouragement of Jim Anderson) put a key in my hand & I used it to support my Family & help my Friends.   Later I was helped by others & most recently by Rick Andersen in San Diego.

I now hold a key that will allow you to help business people save money on a service that they already use daily -- You don't have to "SELL" anything!  -- You don't have to pressure anyone to do anything!  If you speak to anyone who doesn't understand "saving money on their daily business costs" -- don't get upset, as they will soon be out of business & we will all have to pay for their support under the new "American System."

If you want to join me -- it will cost you $195.00 if you do nothing -- If you get your "rear in gear" you could make one hell of a lot of money!  My  new "Best Friend" is now making approx. $36,000.00 per mo. -- one of my other best friends just completed his first week & has made over $600.00.  Please Note:  Both folks did work!

This "Key" allows you to work when you want to -- not when someone orders you to! -- it allows you to work in any city, or town, in the U.S.A.  If you understand the Tax System in the U.S.A. you should by able to find a dramatic amount of tax deductions!  If you control a NonProfit you should be able to easily get your Business Donors to "Climb Aboard!"

Please e-mail, or call, if you are interested in improving your financial situation.  If you already have total control over finances during this past 6 years, please call, or write, and let me know what the hell I've missed.

Best Wishes

Berry

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 ROAD TRIP!  Santa Cruz/Capitola tonight.  Let's get together!

JUMP!

Merchant Guard offers a hand up to those willing to make an effort

                                                       YA'LL COME!

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THIS WEEK MIKE AND I HIT THE ROAD covering the California coast from North to South!

Tuesday - Capitola
Thu - Sat - San Diego  (Get details  from MG Agent Rick Andersen  or MG Agent Mike Lammons)

Captain Rick (in red) hosts training session for new San Diego Agents!

Thursday nite is information and Saturday a.m.  is training.  We will cover the blow-you-away comp plan that can be your part of this THREE TRILLION $$ INDUSTRY.

YESSSS you have to learn something:  but it is what you need to know anyway and it isn't that hard!  Mike and I are BOTH terrible with math and numbers, so you have NO excuse. 

UP TO THIS POINT IN MOST OF OUR FINANCIAL LIVES WE HAVE BEEN TREATED LIKE MUSHROOMS BY THE BANKING INDUSTRY:  kept in the dark and fed cow patties. 

Merchant Guard offers a hand up to those willing to make an effort - and training that will benefit the rest of your income-producing life.

I get it!!

Merchant Guard brings VALUE TO MERCHANTS

Lots of value going on in MG today -- take a look:

SAN DIEGO regular Saturday MG Agent training headed up by Super Agent Rick Andersen and team, with headliner JOHN DANIELS.   This follows up the weekly Thursday night intro get-together.  San Diego is OFF THE HOOK!


MACON, GA, called in:  Wayne and Angelia Harrington are at a huge 40 ac. flea market having fun in the sun demo'ing the Merchant Guard ProCharge app on their mobile phones to merchants.  

Wayne also said he has 6 appointments set for Monday just from dropping in to small retailers on the outskirts of Dublin.

AND GET THIS:  he walked in to one establishment yesterday and introduced himself and the subject of EBT and the owner grabbed him: "I was just online trying to find out what to do!  I got a notice about a deadline for accepting the cards but don't know what to do!  Can you help me?"     HELLO!  Wayne here to help.

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GIFT CARDS

Had a great Friday visit with Sean Krohn from Santa Cruz and Fresno's Leslie Juencke -- both with people to share the  MG career opportunity.  Learned this via Leslie's merchant appointment:   one of her merchants is in a poor neighborhood, so the 15-20% savings MG can get him  is a big deal.  BUT we called on our Expert and Founder, John Daniels and he said, 'Don't forget about gift cards.'

We looked at each other :  he must not have heard the part about this being a poor neighborhood.

But he heard us all right --- and taught us  some of the gift card  benefits to merchants.  Here are a few:

1. MG will give merchant 50 free gift cards.
2. Gift cards can be used over and over again because they are rechargeable.
3. There is almost always breakage on gift cards:  lots of folks leave some change on then which is profit to the merchant.
4. Gift cards are a handy way to advertise (come to training for this: register in your back office).
5. MG charges no processing fee on gift cards so they are free to merchant, unlike the universal fee on debit cards (22 cents/transaction) or credit cards (variable --see schedule)!

So you can see gift cards  bring value to EVERY merchant.  Register for the upcoming training webinar today!

 
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 LAST NEWS:   I do not have permission to share this but let it serve as your confidence-builder.  

MG Super Agent Rick Andersen has been busy training his Agents and building his team.  Decided yesterday to try his hand at gathering a merchant statement to submit for processing.  He went out.

And came back with just one:  for over $300,000/mo. in processing -- way  over.

Why should this impact you?

Mike Lammons pointed it out:  "Makes you wonder about the tiny biz doing under $5K/month who won't let you see his statement!  Don't stop with him.  The next merchant you approach might be looking for savings on his HUGE statement."  
 

Rick must have worn his Issy Miyake! 

Merchant Guard = passionate analysis of a merchant statement

Entire blog today is Avita's passionate analysis of a merchant statement sent in by Leslie Juencke - MG029.  Print off and keep close.  The processor here is a major bank -- just sayin':

Ok this one is a little tricky because it is a bill back which means they are charging some stuff one month and some the next. They also do not have amounts on the rewards card, mid qualified cards and non qualified cards -- that is really shady.

What I Can tell you is that they are charging them an annual fee next month so if he wants to avoid that charge they need to sign up asap. They also are not saying how much the annual fee is. It usually runs $100-$200 a year so breaking down to $8 to $15 monthly. So you will save him that right off the bat plus whatever they are charging him for PCI.

As far as his rate they are ripping him off big time on it. They are charging him 1.65% for his qualified credit and debit. 

He took $6942 in debit cards and  $548 in credit cards. 

On his Qualified cards he is paying $131.01 in fees with them. With us it would have only been $49.01.

(breakdown Credit $548 x 1.58% = $8.65 plus Debit $6942 x .58% = $40.26)

SAVINGS OF $82! That is just on the qualified rate!

We will also save him $23.53 on his transaction fees (they are charging him 18 cents a transaction --ours is only 5 cents!)

Batch fee: they are charging him 20 cents we charge nothing! Savings on batch fees monthly $5.80.


This guy is really getting taken advantage of. 


Total savings on what their statement shows us is 

$111! 

That is almost half of what he is paying! I bet if we could see his mid and non qualifieds we would save him more. 
You can also add it the PCI and Annual Fees lets say average about $15 a month! 





Tell him he is getting charged a 1.65% for 98% of his cards and our rate is only .58%! 


I attached what you sent me along with the application for the split program which this merchant should be on. Even if we put him on a bundled program we would still be killing their rates! 

Get this guy signed up and saving money today! This is what makes me mad seeing someone take advantage of someone! 
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Thank you,

Avita Pizano
Office Manager

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And you thought credit card processing was boring!

Merchant Guard: Saving American Business one Merchant at a Time!

Today's TIP FROM AVITA:

Barb:  put something on the blog about how they can download the app on their phone and try out a test sale. If they are trying to sell a business owner on the smart phone attachment they can pull out their phone and show them how easy it is...
The app is called PROCHARGE.

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Thanks, Avita!  Mike and I have already done it and it is TOO COOL! 


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Congrats to Agents Rick Andersen - MG025, Leslie Juencke - MG029, and Sean Krohn - MG025 for their GROWING Agent teams!

Rick & Barb's first love is sailing!

Sean's  a talented guy!  Wanna win American Idol?  Sean's the coach you want in your corner.  Or save on your merchant processing:)

 

Leslie is a seasoned and successful businesswoman -- here she is with whathisname....

 Makes me think we need a slogan:

MERCHANT GUARD:  WE'RE NOT ALL NUMBERS GUYS!

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Mike is  making a few EBT calls to local merchants right now.  He told them he's local so I am printing MG's EBT offer for him to take to the merchants as soon as he hangs up!  Which brings up.....


GREAT STORY FROM WAYNE HARRINGTON - MG028:

I called on a merchant the other day, a fish restaurant that we go to quite a bit.  I approached the merchant processing subject and he told me proudly that he has been with a processor for 9 years.  He indicated that he wasn't interested in letting me bid on his business.

So I asked him if his processor eats there often.

He said he had never met him -- it was all done by telephone.

I told him "well, remember I brought a group in here just last week. And my wife and I are regular customers.  It seems to me you'd want a local person to at least bid on your business."

Merchant was stunned:  he had never thought of it that way.

Sometimes you just have to 'splain it to 'em!

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Merchant Guard: Saving American Business one Merchant at a Time!

Great training webinar on how to fill out a merchant app  -- with Avita this morning.  If you missed it, or want to see it again (like me) Avita will conduct another session:  

"I will be hosting another application training tomorrow (Tuesday) at 2PM CST for those of you who were unable to join today.


If you are unable to join this one as well please get with the person who signed you up in Merchant Guard and have them go over the application process with you. 


Please read all of the training in the dropbox and what the videos asap.


If you still have not received your dropbox invite please respond to this email and I will invite you to it. 


We are happy you have joined the MG family. Remember I am here is the office 5 days a week and am happy to help you anytime! " -- Avita

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If you did not receive this email, contact Barb, Avita, or your enrolling Agent to get in the loop!

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FROM THE INBOX:

Like the look of the proposal by the way!!! VERY professional :-)  Leslie Juencke MG029

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Have you logged in to your isointerface account?  SOME GREAT STUFF in there -- a treasure-trove of flyers, brochures, apps, pointers and training in the merchant account category! 





 

How to: FILL OUT APP

Great  30 min. training webinar on how to fill out a merchant app  -- with Avita this morning.  If you missed it, or want to see it again (like me) Avita will conduct another session:  

"I will be hosting another application training tomorrow (Tuesday) at 2PM CST for those of you who were unable to join today.


If you are unable to join this one as well please get with the person who signed you up in Merchant Guard and have them go over the application process with you. 


Please read all of the training in the dropbox and what the videos asap.


If you still have not received your dropbox invite please respond to this email and I will invite you to it. 


We are happy you have joined the MG family. Remember I am here is the office 5 days a week and am happy to help you anytime! " -- Avita

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If you did not receive this email, contact Barb, Avita, or your enrolling Agent to get in the loop!

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FROM THE INBOX:

Like the look of the proposal by the way!!! VERY professional :-)  Leslie Juencke MG029

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Have you logged in to your isointerface account?  SOME GREAT STUFF in there -- a treasure-trove of flyers, brochures, apps, pointers and training in the merchant account category!  Like this, for example:

They will GET, register and SET UP a website for your MG biz!!! There is a form with complete instructions!!

 AND this:

WOO HOO!  And we're just getting started.....

Merchant Guard can't be beat!

Greetings and Happy Hot Dog Day, Laborers!

Sean Krohn  MG026 says he heard from a merchant who had been contacted by 5 random card processing agents (Sean being one of them).  Merchant was asked by the last one: "What companies have contacted you?"  Merchant rattled off the list -- when she said 'Merchant Guard' last agent said "Oh.  Well, we can't beat them." 

FROM THE INBOX:

9/1/14  I talked to a biz owner last nite who guaranteed me she had best rate on her credit card processing. I asked her this question::: How much commission do u make on what u pay your current processor??? WAIT FOR ANSWER She said WHAAT? None! and asked how to get commission. Told her: Join us as Agent for one time fee of $195 with no further fees, dues, or autoship. Sign yourself up as your own customer and receive $50.00 Instantly PLUS 20% of monthly processing profit with Merchant Guard.

GUARANTEED u will be paying LESS for processing fees. Biz owner got so excited as asked if she could get commission signing up her biz friends as customers-YES - same $50 PLUS 20%. If your biz friends want comm on their fees, they spend $195.00 and YOU make $100.00 PLUS 5% RESIDUAL on processing profit. Mike told her to sleep on it and think of merchants she knows. Labor Day and biz owner called and Mike helping her complete paperwork now. I think we're on to something! 

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