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From:
PowerPay
Re: Your New Merchant Account

If you are reading this right now, then you already know the importance of accepting credit cards on your website, I don't need to tell you that. What you may not know is the danger of processing with the wrong company or you may be thinking that it's just too complicated. Read on to find answers to these questions and myths.

Let Me Ask you a question... Which Type of Merchant Are You?

I've found there are two types of Internet Merchants.

1. The kind which thinks it's easier to simply use a "third-party" to process credit cards.
2. The merchant who thinks it's too complicated or too expensive to get a merchant account.
3. The merchant who thinks they have it all covered... you have a big surprise.

If You're Using "Third-Party" Processors... You're Losing Money!

Yes, you read it right. If you are using a "Third-Party" credit card processor as you main way to accept payments online, then you are losing money.

We realize many people start their online business using a "Third-Party" processor because it's quick, convenient and many people don't know is that it is also very EXPENSIVE.

Think about it for one minute...

  • What is your processing fee?

  • What is your reserve fee?

  • How about your startup costs?

  • What about your transaction fees?

A "Third-Party" processor charges 5%-7.5% of your transactions. Third parties also charge $.75-$1.00 for each and every transaction as well, no matter what the price of the sale is. Third parties normally charge a setup fee of around $50 just to get setup with them.

Most People Don't Even Know Third Party Processors Have A Reserve Fee!

It's true, most Third Party Payment processors have a "Reserve Fee" which they don't talk about too much. It works like this. For every sale they make hold 10% to 25% of the transaction for as much as 6 months to ensure the customer does not refund. It's true... check your account and you'll see what I mean.

Not to mention the amount of sales you are losing because you CAN NOT control the order process of your customers. Many times, you can't even add your own company logo to the order page.

On many "third-party" processors, you lose most of your sales due to the long drawn out checkout process.

Even worse, some processors want your customers to signup with them just to accept their money. I know you know what I mean. Trust me there's a much better way.

But... Isn't It Too Complicated and Too Expensive
to Get a "Real" Merchant Account"?

That's what many people think, but it's farthest from the truth. You can easily and painlessly get setup for your very own merchant account in just a few days. Most merchant accounts are setup with us in a matter of 48-72 hours.

  • FREE Authorize Net Setup

  • FREE Setup - ($195 Setup FEE is Waived

  • FREE Virtual Terminal

  • Monies are deposited directly into YOUR bank account usually within 3 business days from the date of the online sale

  • 100% Online Control Panel for full control

  • Ability to refund customers yourself

  • Take Phone Orders if you choose

  • Accept Visa

  • Accept American Express

  • Accept Discover

  • Accept Mastercard

  • Process them all right now!

There's nothing for you to lose and certainly everything to gain!

Be Careful Who You Choose For Your Merchant Account

So you've chosen to go with your own merchant account. Great! I have to warn you, if you are not careful who you process with, your choice could be disastrous.

Let me give you a perfect example...

Armand Morin's $4.2 Million Dollar Story

Armand Morin is one of the top Internet Marketers in the world. What many of you don't know is Armand is also a classic case study of what could go wrong with your merchant account if you don't choose correctly.

Here's Armand's own words...

"When I first started on the Internet I happened to do what many people hope and dream to do and this become successful very quick.

To make a long story short... I released a product that did extremely well and we did $4.2 million dollars in the first 12 weeks of launching that product.

That's where the problem started.

During that 12th week I received a phone call from my merchant account and was basically told this...

"Mr. Morin you've processed too much money and we will have to cancel your merchant account and place a hold your funds. We will be withdrawing the remaining balance from your bank account"

They took $2.1 Million Dollars from my bank account and held it for 6 months.

So there I was out $2.1 million dollars and I basically had to shut down operations for that company because I could no longer accept credit cards.

Why didn't I Just Get another merchant account?

What you may not know is, if you have your merchant account cancelled by your merchant account provider, you are essentially put on a BLACK LIST and no other company will want to do business with you.

You have to understand... I didn't do anything wrong, I just processed too much money in too short a period of time. If that's a crime then lock me up!

I swore off merchant accounts for almost 5 years.

After many years I finally decided I had to have a merchant account to give me more flexibility with my company and I found PowerPay.

I started using PowerPay and during the first 30 days with them we had a huge product launch and processed over $100,000 in a single week.

My Merchant Account Stopped Working - Here We Go Again

I contacted PowerPay and told them my merchant account wasn't working and if they knew why it wouldn't work.

They asked me how could I process so much volume in such a short period of time. I explained to them the power of direct sales and Internet Marketing.

The next thing you know, they wanted to know more.

Unlike many companies who just look at the numbers... PowerPay wanted to embrace this new and emerging market of online sales.

My merchant account was turned back on in 10 minutes. I've since created a great relationship with PowerPay.

I've also referred many of the top Internet Marketers in the world to them.

Do I recommend PowerPay? 100% Absolutely!"

Armand Morin
CEO - GeneratorSoftware
Founder - BigSeminar

Click Here To Start Processing Right Now!

What Makes PowerPay Different Than
The Other Merchant Account Proccessors Online?

The Simple Answer -- They Understand Internet Marketing

With many merchant account providers, the term Internet Marketing or online sales is like talking to them in a foreign language. They don't understand what it is, how it works or the amount of volume an internet company can do in such a short period of time.

PowerPay has embraced this new marketing media. It's common to see their representatives at many of the Internet Marketing seminars all over the country. They network and strive to build not just accounts, but true relationships with their customers and clients.

No other merchant account provider has a better understanding of the world of Internet Marketing than PowerPay.

"Jud Smith and PowerPay are a truly class act! The world of credit card merchant processing can be pretty scary and the pitfalls are real and costly.

If you want a great merchant account with NO hassles, great support, and a fair price... look no further than Jud Smith and PowerPay"

Jim Edwards
http://www.MiniSiteCreator.com

"Jud smith and PowerPay understand ecommerce and internet marketing like no other processor. Secretly some of the largest internet marketers and ecommerce merchants have been using Jud and PowerPay for credit card processing, all the while hoping their competition doesn't find out!"


Yanik Silver

http://www.surefiremarketing.com


"Your merchant account is the most mission-critical part of your online business (other than your hosting account!). Most merchant providers don't understand the internet marketing world very well; many of them make it hard to do business with them. Not so with PowerPay. When I needed my own merchant account, I picked up the phone and called Jud Smith at PowerPay.

The application process was simple & easy, approval was lightning-fast, and Jud made every part of the process seem effortless. In my mind, there is only one logical choice for your Merchant Account Provider: call Jud Smith at PowerPay. That way you can forget about your Merchant Account and focus on your marketing."

Ray Edwards
Copywriter to the Marketing Stars
http://RayEdwardsCopyWriting.com



Judson Smith has helped more Internet / Information Marketers with their merchant account than any other person I know! That's because he understands us, our business - and doesn't "punish us" for the "misdeeds" of the customers. What I mean is he's the REAL deal, and he can help YOU build your business securely. I use him. Most top marketers do. Highly recommended.

Ted Ciuba
http://www.holomagic.com


Judson Smith has saved me hundreds of thousands of dollars and millions more to come by introducing me to PowerPay... it's honestly the most reliable merchant processor I have ever had. They even have the best rates!

PowerPay is so reliable that they are the only processor I use for all of my websites.

Thank you Judson and PowerPay!

Justin Blake - CEO
www.ViralShock.com
www.TheUnblockablePopup.com
www.SpamLockUp.com

What If I Have Huge Spikes In My Processing Volume?

We at PowerPay understand with any business it can grow fast or slow. You should not be penalized because you have succeeded in business. As long as you adhere to the merchant account agreement and are not promoting or selling anything illegal, then we will help you through your growth spikes and product launches.

We have been the merchant account provider behind many of the most successful launches on the Internet.

PowerPay can be behind YOUR next product launch...
Apply Here Today It's FREE

“I should have known better.  I sent a client to another merchant account provider instead of sending her to Jud.  Sure enough, they put her through the standard obstacle course and came back with a mile-long list of reasons she can’t get a merchant account from them.  So I did what I should have done in the first place – I sent her to Jud.”

David Garfinkel
Co-founder, The Copywriters Guild


I just wanted to take a few minutes to talk to you about the merchant services that you've provided for my company.

Rather than spin or wax or pontificate poetic, I'll simply come to the point - my business simply would not be possible without the full support of your financial instruments. And while my needs are often complicated, you and your team have consistently and rapidly stepped up to deploy your services without hesitation and in a thoroughly effective manner.

Your counsel on matters of merchant services has been second to none - and I say that having had the unfortunate experience of putting my trust in other so called merchant services - the result of their actions being complete disappointment and in some cases outright fraudulent business practices.

In a vertical that has its share of snake oil salesmen and con artists, you've constantly risen to the occasion, and exceeded my every expectation.

So, on this holiday season, I decided to do something that many customers don't do enough - acknowledge excellence. Jud, thank you for having my company as your customer - I look forward to being able to fully realize my business' potential because of your invaluable service.

Best Regards,

Andy Jenkins
A Squared Artifacts, LLC.
StomperNet, LLC.

I met Jud Smith from PowerPay at a seminar right before I launched my first site.
 
After finding out that most of the top marketers at this seminar was using PowerPay as a credit card processor I decided to also use them for my first project.
 
They were extremely helpful when it came to setting up that first account and got me up and running in no time at all.
 
I highly recommend Jud and PowerPay to anyone that is going to take credit cards online.
 
Jeff Dedrick
http://www.SecretPageSpy.com

Like most online entrepreneurs, I've been around the block with a number of merchant providers, having had one bad experience after the next.  That makes it easy for me to say that I'm completely satisfied with Powerpay.  These guys are different -- they do exactly what they promise, they have never frozen our funds, and have never fooled with our account in any way.   I recommend them without hesitation.
 
Paul Lemberg
President, Quantum Growth Coaching, LLC
The worlds only fully systemized program for business acceleration

PowerPay is a fantastic service - very customer service oriented. I have had only positive experiences, always get paid right away, the fees are reasonable, no holds on my money... in the past I have had big problems with other companies. These guys are trustworthy. Jud has been there since I started - this speaks volumes cause there is low turn-over in this company. Feel free to contact me if you have any questions.

Wendy Robbins
www.nowheretomillionaire.com

Already Have A Merchant Account? No Problem...
Get a
FREE Backup Account With PowerPay

We understand you may already have a merchant account. It's quite natural and even reco

mmended you have a backup account in case something should ever happen or your limit is hit.

The last position you want to be in is without a merchant account. Let's say, for whatever reason, you primary merchant account goes down or worse yet temporarily frozen or you've hit your monthly limit. What happens?

For most people... you're totally out of luck. Without a merchant account you've out of business!

If you have a backup merchant account in place, you can switch over to it in less than 5 minutes and start taking orders again. Why put yourself in that position if you don't have to.

Click Here To Get Your Backup Merchant Account

PowerPay Merchant Account** Rates and Fees:
Discount Rate for Internet, Mail Order, Auction: 2.39% Visa/MasterCard *
Transaction Fee: (no additional AVS fees) $.35 per transaction
Statement Fee: includes 24/7 Customer Service $10.00 per month
Monthly Processing Minimum: $25.00
American Express/Discover Card: Quoted Separately
Application Fee: FREE (for a limited time only)
Authorize.net Gateway Fee $20.00/Mo.
Annual Fee: $59.00

* Rates are guaranteed not to increase except upon instances of industry-wide increases by either Visa or MasterCard.

**Applies to accounts with acceptable Merchant and Applicant criteria. Merchants or Applicants falling outside PowerPay ordinary guidelines will still be approved, but may be subject to fee modifications. Any modifications will be provided to Merchant/Applicant in writing.

"As an internet marketer, finding a merchant processor who understands the ebb and flow of our industry can be difficult, if not impossible. After all, quite often, our product launch cycles can be a processing nightmare for most merchant providers who don't understand the business.

Fortunately, Jud Smith and PowerPay are on our side. Their knowledge of our industry has created total peace of mind, knowing that our best interests and finances are handled as if we were family. I highly recommend Jud to handle all of your processing needs!"

Dave Bernstein
Phoenix, AZ
www.HiFiWebGuy.com

"I've been online for over ten years and have worked with several merchant account providers during that time. Our best experience, by far, has been with the folks at PowerPay. Jud Smith and his team there understand the needs of information marketers and Internet marketers better than anyone else in the industry."

 

Bret Ridgway
www.SpeakerFulfillmentServices.com


"I've been selling online for over 8 years and let me tell you, choosing the 'wrong' credit card processors for my business has cost me literally HUNDREDS OF THOUSANDS of dollars in unnecessary lost profits.

I've seen and heard it all. One merchant provider went bankrupt, and literally pulled the plug overnight without so much as a word. I had $20K+ in monthly client orders stored in their system that I couldn't get out - my business vanished with them.

Another well-known company gave excuses for weeks why they stopped paying me... they put it down to technical glitches. In the end, the truth came out- they had problems with their own banking connections, and MILLIONS of dollars of their merchants money is still tied up in the system -- almost 3 years later.

Another still randomly closed my account. Why?
They told me I was processing TOO MUCH money!
Unbelievable!

I've tried an endless number of merchant providers, credit card processors, third-party accounts, electronic gateways, offshore credit card deals, you name it -- I've had the rug pulled from underneath me 9 times out of 10 and those that didn't, charged such extortionate fees, I was literally handing over a six-figure check every year simply for taking my customer's payment.

Then one day, I was lucky enough to stumble across Jud Smith of PowerPay at a business conference in LA. I explained my situation... told him my volume... and for the first time ever, I heard 2 words that are unbelievably rare in this industry:

"No problem!"

Within days, I was up and running. That was over two years ago. Since then, I've processed over $1.5 million in sales without a glitch, hiccup or even a SINGLE second of downtime the whole time.

They pay on time every time and what's more, if I get a spike in sales due to a successful promo or ad campaign, they process it without flinching-- unlike other providers, who would sooner CLOSE YOUR ACCOUNT than congratulate you on your sales!

I cannot recommend PowerPay enough. Jud is an excellent guy too, a realpleasure to work with.

If you simply want to take cards and get paid on time without hassle and without worrying about all the other stuff, give them a call -- you absolutely won't regret it!

Lee Benson.
http://LeeBenson.com

"Doing business online presents its share of challenges, and none are greater, or potentially more important, than processing order payments. That's why I couldn't be happier with Jud Smith and PowerPay.biz.These guys have made my life SO much easier. Seriously, as far as payment processors go, I can't imagine a better option for anyone needing to take credit card payments online. Jud, thanks so much for your service!"

Joel Comm
http://www.adsense-secrets.com

It Takes Just a Few Minutes and You Will Have
Your NEW Merchant Account In Less Than 72 Hours!

Here's What To Do In Order To
Expedite The Application Process...

Four Simple Steps To Receive Your Merchant Account

1 Click on the link below and follow the instructions on the next page. Make sure you read and fill out all the blanks asked for. If you don't it may delay the process.
2 Gather the appropriate documents which PowerPay will ask you for during verification purposes.
3 Watch for the email from PowerPay with your approval information and your initial setup instructions. This will include all your login information you need.

Save this email in a safe place for future reference.

4 Enter your Authorize.net details into your shopping cart or payment processing system and you're DONE!

You are now ready to accept online credit cards!

IMPORTANT VISA/MASTERCARD UPDATE

Due to some recent changes in Visa/Mastercard policies, PowerPay has issued a release of these changes. We will have further information as we are given notice.

Click Here To Download The PDF Policy Updates

It's FREE Just Click This Link Right Now

Click Here To Start Processing Right Now!

PowerPay is a registered MSP/ISO of: HSBC Bank USA, National Association, Buffalo, NY and BancorpSouth, Tupelo, MS

Click Here For The iPowerPay Affiliate Program


Copyright © 2006 PowerPay LLC All rights reserved. Questions Contact: support@ipowerpay.com
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