CREDIT CARD PAYMENT PROCESSING
The industry and what we do
Today, in the United States, more than half of all purchases are made using credit cards. Therefore, it is more important than ever that you choose a payment processor carefully, as the processor you choose will handle more than half of your total revenue! Without fully comprehending the merchant service industry, business owners all-to-often choose a merchant service provider based on misinformation, exaggerations, and false promises of lower rates made by unscrupulous salespeople who are desperate to qualify for a commission check and far more concerned with padding their commissions than they are concerned about the business they are contracting!
While the vast majority of business owners are confident that they are receiving "great rates" from their provider, their lack of comprehending the processing industry often leaves them vulnerable and paying far more than they would ever imagine. For example, while business owners still like to discuss rates, the industry has long-since moved away from rates and now makes the majority of their profits on an ever increasing menagerie of fees creatively hidden within complex monthly statements that are purposely designed so that neither business owners, nor their accountants, will ever really understand.
So, even if you are quoted "great rates" the contract you sign allows the bank, processor, and even the sales company to raise those "great rates" and fees as soon as your contract was signed. As we learned early on in disgust, the industry-wide philosophy has long been "take as much as you can for as long as you can!" So, since we understand that the entire industries' short-term goals are to maximize their profits, those "great rates" and fees you are told to expect begin to rise, often times even before the first month of processing is complete! This certainly explains why industry standard 3-year merchant service contracts are terminated by business owners in less than half that time as a result of their finally realizing what happened! Unfortunately, with the exception of working with AGMS, this same scenario is destined to repeat itself as the same short-term philosophy permeates the entire industry!
The AGMS philosophy is the exact opposite. Our primary goal is to establish long-term relationships with our clients and make "A little off a lot, rather than a lot off a little!" We are constantly contacted by banks and processors suggesting that we work with them to increase the rates and fees of our clients knowing AGMS will receive a percentage of the profits. While this is a common practice in the industry, we remain true to our commitment and refuse to allow those increases unless mandated by Visa/MasterCard/American Express.
So, if you're sick of being lied to, tired of being overcharged, frustrated having to deal with outsourced customer service, and annoyed at changing processors, it's time you rely on: AGMS. Where you will discover Honesty, Integrity, Great Rates, Minimum Fees, In-House Customer Service & Technical Support, Hardworking Responsible People who Care about YOUR Business, Total Transparency, and a Hassle-Free experience. Every aspect of AGMS is designed to keep you and your business a part of the AGMS family of satisfied clients for eternity!
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