This is our first date…but business.
Unlike most first dates, we won’t talk about ourselves the whole time – we want to hear about you. Tell us what you’re looking for in a processor, bad experiences you’ve had in the past, pain points in your current process and over all, what would an optimal relationship look like with your credit card processor? You can then see what we have to say and if you like it…
This first step is simply your company deciding if you like our company.
Good, you decided you like us!
We will now analyze your current process to see how it could be done more efficiently. To us, more efficient means saving your business money. We can do this in a number of ways: making payments easier, more accessible, less time consuming, protecting you against chargebacks/fraud, new equipment, training to achieve higher data rate qualifications or a simple reduction of current rates.
This analysis will include everything from rate review, basic card acceptance to more detailed parts of your work flow. We put a number to your savings. This will be outlined in detail, listing all areas your business will realize savings, giving you a final itemized monthly and annual savings amount.
We realize every business has very different needs. This will be reflected in the program we create specifically for you and your business’ payment system.
Our industry has trained merchants to think the way to save processing dollars is through the never-ending search for that elusive “best rate.” There are far more savings in the other areas mentioned above; these areas simply take much more time (on the side of the processor) to asses, then educate the merchant. Most sales rep we come across are either not trained to do this, or looking for the quick fix/sale.
This is our favorite part of the process!
Here, we take the time to explain the “how” and “why,” not just show a number. When somebody doesn’t understand exactly how and why they are saving money, it makes it very difficult for them to tell (after switching processors) if they are actually saving the money — this is a favorite trick of the processing industry.
With Smart Pay, you will have detailed understanding from where your savings are coming. We will then show you how to calculate your exact savings, based upon each rate category. This is important to understand your cumulative cost. Lastly and in our opinion most importantly, we will show you how to track your effective rate – this will be the indicator whether you are still saving, or your processor has changed your rate.
We will not increase your processing rate, ever.
You decided to go with Smart Pay… Welcome!
Savings have now been found, explained, and you are ready to start the program we have created for you – It’s time to integrate our technology into your system. Integration is seamless – you will experience no down time.
This process will always happen one of two ways:
A) We use your existing equipment
In this case, we will reprogram your existing equipment to work with the program we created for you. This service will be at no cost to you.
B) You want/need new equipment
We will then program your equipment and have a technician drop off at your business. You and your staff will be trained on all operations of the new equipment.
We view this step very differently than the rest of the industry – This is not the last step in the process, but the beginning of a relationship!
Smart Pay will always follow up with you after your first full month of processing; we call this our “Integrity Check.” There are many promises made before you make the move, and we want to make sure each one has been realized. This integrity check consists of three points:
1. Is everything running smoothly? We will check both technical and operational.
2. We will perform a rate review – sitting down and comparing side by side, the rates we promise (before you switched) and the rates you received (from your first months processing statement). It feels good to know you got what you were promised.
3. Overall satisfaction. Are you happy? We take your feedback seriously and will do what it takes to keep you happy.