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<blockquote data-quote="lowbudgetjunk" data-source="post: 422834"><p>The problem with a restaurant is having to use a pin pad.....unless it is fast food of course</p><p></p><p>But, even if you have a 1% rate, for every $10 it costs you $0.10. On a pin debit, at $0.08, you would be saving 2 cents. At our current rate, which is just under 2% it almost never pays for me to use credit. I think it has to get down to a 4 dollar transaction, in which we deny the sale/give the add a quarter option. This is why I asked. I have read and reread all of the forms, fine print and I am at the point where I halfway understand it. The problem I am having Is finding the good rates and staying out of long term contracts. </p><p></p><p>I may have pissed off the person at first data when I went through my list of transactions I was interested in. They said I thought I knew more than I did and just to send over my statements so they could offer me a deal. I did and their rates were good, but for me personally, I need to hit $0.07 on pin debit and I think they are $0.09. That is a great deal for most, but would cost me between $3900 and $4100 for the year. Argh! TransFirst is my last option for today. The lady quoted me $0.07 a transaction on pin debit, but the credit rate for them was a little higher. Doing the math, it seems like the best deal to date, but I really would like a half a point off to make me quit looking.</p><p></p><p>On a side note, if anyone doesn't mind, post up or PM me your rate. I may be crazy on how hard I am pushing these companies, but it is my money and I spent the time to read up on all of this junk, the least they can do is work with me to get my business.</p></blockquote><p></p>
[QUOTE="lowbudgetjunk, post: 422834"] The problem with a restaurant is having to use a pin pad.....unless it is fast food of course But, even if you have a 1% rate, for every $10 it costs you $0.10. On a pin debit, at $0.08, you would be saving 2 cents. At our current rate, which is just under 2% it almost never pays for me to use credit. I think it has to get down to a 4 dollar transaction, in which we deny the sale/give the add a quarter option. This is why I asked. I have read and reread all of the forms, fine print and I am at the point where I halfway understand it. The problem I am having Is finding the good rates and staying out of long term contracts. I may have pissed off the person at first data when I went through my list of transactions I was interested in. They said I thought I knew more than I did and just to send over my statements so they could offer me a deal. I did and their rates were good, but for me personally, I need to hit $0.07 on pin debit and I think they are $0.09. That is a great deal for most, but would cost me between $3900 and $4100 for the year. Argh! TransFirst is my last option for today. The lady quoted me $0.07 a transaction on pin debit, but the credit rate for them was a little higher. Doing the math, it seems like the best deal to date, but I really would like a half a point off to make me quit looking. On a side note, if anyone doesn't mind, post up or PM me your rate. I may be crazy on how hard I am pushing these companies, but it is my money and I spent the time to read up on all of this junk, the least they can do is work with me to get my business. [/QUOTE]
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