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How can I negotiate merchant services?
Ask for an “interchange-plus” quote rather than a “tiered” quote. Focus on the “effective markup rate which includes the monthly fee, PCI compliance fee, gateway fee, any annual fee, the equipment warranty fee and the monthly minimum surcharge. Get a list of all of these so you can compare different offers. As with any negotiation, let the merchant processor know that you have offers from other merchant account providers.
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