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The Rising Cost of Payment Processing For businesses of all sizes, credit card processing fees can be a significant burden, eating into profit margins and making it difficult to scale. With the increasing use of cashless payments, many businesses feel trapped, forced to absorb these fees just to remain competitive. That’s where Retriever’s Buyer's Choice Program comes in. This innovative solution helps businesses eliminate payment processing fees while staying compliant with industry regulations. If you're looking for a way to keep more of your revenue without raising prices, Buyer’s Choice is the solution you've been waiting for . What is Retriever’s Buyer's Choice Program? Retriever’s Buyer’s Choice Program is a merchant processing solution designed to offset credit card processing fees , allowing businesses to keep more of their earnings. How Retriever’s Buyer's Choice Program Helps Businesses Eliminate Payment Processing Fees For businesses of all sizes, credit card processing fees can be a significant burden, eating into profit margins and making it difficult to scale. With the increasing use of cashless payments, many businesses feel trapped, forced to absorb these fees just to remain competitive. That’s where Retriever’s Buyer's Choice Program comes in. This innovative solution helps businesses eliminate payment processing fees while staying compliant with industry regulations. If you're looking for a way to keep more of your revenue without raising prices, Buyer’s Choice is the solution you've been waiting for . What is Retriever’s Buyer's Choice Program? Retriever’s Buyer’s Choice Program is a merchant processing solution designed to offset credit card processing fees , allowing businesses to keep more of their earnings. Instead of covering these fees themselves, businesses can pass the cost to customers who choose to pay with a credit card while offering an incentive to those who pay with cash or debit. The program ensures businesses remain fully compliant with card brand regulations , offering a seamless and transparent pricing model that both businesses and customers can understand. Unlike traditional surcharge programs, Buyer's Choice is structured to work across a wider range of industries, helping businesses reduce costs without violating any processing rules. How Buyer's Choice Eliminates Processing Fees Credit card companies charge businesses a percentage-based processing fee for every transaction, often between 2-4%. Over time, these fees add up and significantly impact revenue. Retriever’s Buyer's Choice Program helps merchants eliminate these fees by adjusting pricing models based on the type of payment customers use. Here’s how it works: Customers paying with cash or debit receive a built-in discount at checkout. Customers who choose to pay with a credit card cover the associated processing fee as part of their total transaction. The process remains transparent at checkout, with clear pricing displays to ensure compliance and customer awareness. By shifting the cost to those who choose to use credit cards, businesses no longer absorb processing fees , allowing them to reinvest their earnings into growth, marketing, or improved customer experiences. Why Businesses Are Switching to Buyer's Choice Increased Profit Margins Without processing fees eating into every sale, businesses can keep 100% of their revenue on non-credit card transactions. Over time, this adds up to thousands of dollars in savings annually . Compliant and Transparent Pricing Unlike outdated surcharge programs that may violate processing rules, Buyer's Choice ensures full compliance with Visa, Mastercard, and other card networks . The program is built with clear, upfront pricing , ensuring customers understand their options without any hidden fees. Encourages Cash and Debit Transactions Buyer's Choice incentivizes customers to pay with cash or debit by offering a lower price. This helps businesses reduce their reliance on credit card payments, leading to fewer chargebacks and processing-related headaches. Works for a Wide Range of Industries From retail stores and restaurants to service-based businesses and professional practices, Buyer's Choice can be customized to fit different industries. Whether you run an auto repair shop, medical office, or local café , this program helps eliminate unnecessary costs without disrupting operations. No Additional Costs for Merchants Unlike other solutions that require expensive equipment or software upgrades, Buyer's Choice works with most existing payment systems . Retriever handles the setup and compliance , making it an easy and cost-effective transition. How Buyer's Choice Compares to Traditional Credit Card Processing

Customer retention is the foundation of a successful business. While attracting new customers is important, keeping existing ones engaged and encouraging repeat visits is even more valuable. Retriever’s Gift and Loyalty Card Programs give businesses an edge by boosting sales, increasing customer loyalty, and creating long-term brand advocates . Why Every Business Needs a Gift and Loyalty Program Many business owners focus heavily on acquiring new customers but overlook the potential of repeat business . Studies show that returning customers spend up to 67% more than new customers , making them an essential part of any business strategy. A well-structured gift and loyalty program can: ✅ Encourage repeat visits by rewarding customers for their purchases. ✅ Increase revenue by incentivizing higher spending. ✅ Boost brand awareness with gift cards circulating among new potential customers. ✅ Improve customer satisfaction by offering perks and exclusive benefits. Businesses that implement gift and loyalty programs not only increase customer lifetime value but also establish stronger relationships with their audience. How Retriever’s Gift and Loyalty Program Works Retriever offers a customizable, easy-to-use gift and loyalty card system that seamlessly integrates with your existing payment processing setup. Businesses can: Issue digital or physical gift cards that customers can purchase or reload. Track and manage loyalty points for repeat customers. Create special promotions such as birthday rewards, VIP perks, and discounts. Integrate with POS systems for a smooth transaction experience. With Retriever, businesses control their own loyalty program , eliminating the need for third-party apps that take a cut of the profits. The Power of Gift Cards in Driving Sales Gift cards are a proven revenue booster . They work as a direct sales tool and a marketing asset that brings in new customers. 💳 Customers typically spend more than the value of the gift card. On average, gift card users spend 20-50% more than the gift card amount when making a purchase. 🎁 Gift cards introduce new customers to your business. Every gift card purchased is a referral —someone trusts your brand enough to share it with a friend or family member. ⏳ Gift cards create future sales opportunities. Unlike discounts or coupons that expire quickly, gift cards encourage customers to return and make a purchase on their own timeline . Businesses in retail, hospitality, restaurants, salons, and service industries benefit the most from custom-branded gift cards , as they generate ongoing sales and brand exposure . Loyalty Programs: Turning One-Time Customers into Lifelong Fans A loyalty program is more than just a point system—it’s a relationship-building tool that rewards customers for their continued support . Types of Loyalty Programs Retriever Supports 📌 Points-Based Rewards Customers earn points based on their purchases, which they can redeem for discounts, free products, or exclusive perks. 💎 Tiered Loyalty Programs The more a customer spends, the higher the tier they reach , unlocking better rewards over time. 🎟️ Punch Card Style Programs Simple but effective—after a set number of visits or purchases, the customer receives a free item or discount . 🎂 Birthday & Anniversary Rewards A great way to personalize customer engagement by sending special offers on important dates. By offering customized loyalty programs , Retriever helps businesses retain more customers and drive higher spending . Industries That Benefit from Gift and Loyalty Programs Different businesses can leverage gift and loyalty programs in unique ways. Here’s how different industries can take advantage of Retriever’s solutions: Restaurants & Coffee Shops Offer reloadable gift cards for frequent customers. Create a loyalty rewards system that gives a free meal or drink after a set number of purchases. Run holiday promotions where customers get a bonus card with a certain gift card purchase amount. Retail Stores Sell gift cards at checkout to increase impulse purchases. Reward loyal customers with exclusive discounts and early access to sales . Offer tiered loyalty perks based on spending levels. Salons & Spas Sell gift cards for services like massages, facials, and hair treatments. Give loyalty points for referrals , encouraging customers to bring friends. Offer seasonal bonus promotions , such as “Buy a $100 gift card, get a $20 bonus card.” Auto Repair & Service Shops Reward repeat customers with discounts on future services . Offer referral rewards for customers who send new clients to the shop. Use gift cards as incentives for package deals and seasonal promotions. Gyms & Fitness Centers Offer membership-based loyalty programs where members earn perks for consistent attendance. Sell gift cards that can be used for personal training sessions or fitness classes . Provide milestone rewards, such as a free session after a certain number of check-ins. Why Choose Retriever’s Gift and Loyalty Program? With so many third-party apps and generic loyalty platforms, what makes Retriever’s system stand out? ✔ Fully customizable – Design gift and loyalty programs that fit your business model. ✔ Seamless integration – Works with most POS systems and payment processors . ✔ Increases customer engagement – Encourages repeat visits and higher spending. ✔ No hidden fees – Transparent pricing with no third-party commissions . ✔ Branded for your business – Custom-designed physical and digital gift cards that showcase your brand. How to Get Started with Retriever’s Gift and Loyalty Program 1️⃣ Choose Your Program Type – Decide whether you want gift cards, a loyalty program, or both . 2️⃣ Customize Your Design – Create branded gift cards and set up personalized rewards. 3️⃣ Integrate with Your POS System – Retriever will help with setup to ensure smooth transactions. 4️⃣ Launch and Promote – Start marketing your program to boost sales and increase customer retention . Is Retriever’s Gift and Loyalty Program Right for Your Business? If you’re looking to increase customer retention, drive sales, and build long-term brand loyalty , Retriever’s gift and loyalty solutions are the perfect fit. Whether you're a small business, restaurant, retail store, or service provider , this program will help you generate repeat business and keep customers engaged .  Get started today and discover how Retriever’s Gift and Loyalty Card Program can elevate your business and maximize your revenue .

Contactless Payments Are Here to Stay in the Age of Social Distancing by Karla Wilson, Area Vice President, Retriever Payment Systems DOWNLOAD Fact: About 38 percent of consumers now view contactless functionality as a basic feature of payments—up 30 percent from last year.1 What this means for merchants is that the ability to accept contactless […] The post first appeared on Retriever, Advantage Merchant Services.

DOWNLOAD Accreditation Received for Upholding Organization’s Standards of Trust (Orlando, August 12, 2020): Retriever Payment Systems announced today that it has received accreditation from the Better Business Bureau (BBB) serving Central Florida. BBB Accreditation means Retriever Payment Systems is a business dedicated to promoting trust in the marketplace. BBB Accredited businesses must adhere to the […] The post Retriever Payment Systems Earns Better Business Bureau Accreditation first appeared on Retriever, Advantage Merchant Services.

The Small Business Administration’s (SBA) Paycheck Protection Program (PPP) has opened up small businesses to new relationships with community-based financial institutions—and the benefits that come with building business banking partnerships. While the program is not perfect, community banks in particular rose to the occasion, flexing their competitive advantages and value propositions to woo small businesses […] The post Turn PPP Recipients into Lifelong Customers first appeared on Retriever, Advantage Merchant Services.

When it Comes to Vendor Partnerships, You Deserve Personal Service Too by Karla Wilson DOWNLOAD In the current environment of increasing competion from traditional and non-traditional financial services providers, community banks continue to leverage their number-one weapon in the fight to win over the competition: knowing their customers better than anyone else in order to […] The post first appeared on Retriever, Advantage Merchant Services.

DOWNLOAD Mr. T’s Riverside Benefits from Stellar Service—and Best Price—from Retriever Payment Systems About Mr. T’s Riverside Liquor Store & Smoke Shop Mr. T’s Riverside Liquor Store & Smoke Shop has been in the business of keeping customers in Cardwell, Missouri satisfied and happy since 1983, when it was established by Brian Poynor’s grandparents, then […] The post first appeared on Retriever, Advantage Merchant Services.

DOWNLOAD Culinary Classics Saves Time and Money with Unique Program from Retriever Payment Systems About Culinary Classics, Inc. Driven by Larry’s passion for food, Culinary Classics, Inc. (CCI) has operated for over 25 years with a mission to procure and deliver the finest specialty foods to restaurants with superior service. A purveyor of fine foods […] The post first appeared on Retriever, Advantage Merchant Services.

Use Value-Added Merchant Services to Get More Small Business Banking Market Share by Karla Wilson DOWNLOAD As community banks continue to face stiff headwinds caused by increased competition from tradtional and non‐tradtional financial services providers as well as a harsher regulatory and economic environment, they must continually seek new revenue streams and competitive differentiation. Small […] The post first appeared on Retriever, Advantage Merchant Services.

Help Small Business Banking Clients Fight Card Fraud Using Technology by Karla Wilson DOWNLOAD According to Worldpay, card fraud is a $9.5 billion problem in the United States, and with the introduction of EMV technology and the resulting shift in liability from issuing financial institutions to merchants, much of that burden is being thrust upon […] The post first appeared on Retriever, Advantage Merchant Services.

DOWNLOAD Merchants and Planters Uses Value-Added Merchant Services to Fulfill Mission of Supporting Small Business Clients with Help from Retriever Payment Systems About Merchants and Planters Bank Merchants and Planters bank was founded in 1946 in Newport, Arkansas as the nation was recovering from WWII. During this economic recovery period as businesses and agricultural operations […] The post first appeared on Retriever, Advantage Merchant Services.

DOWNLOAD Farmers Bank & Trust Elevates the Business Experience with Help from Retriever Payment Systems About Farmers Bank & Trust Farmers Bank & Trust (FB&T), headquartered in Blytheville, Arkansas, was founded in 1908 with a small amount of capital and a big vision for delivering personalized service and innovative banking to Blytheville, Mississippi County and […] The post first appeared on Retriever, Advantage Merchant Services.

DOWNLOAD     First National Bank of Lawrence County Exceeds Revenue Goal with Retriever Payment Systems About First National Bank First National Bank (FNB) was founded in March 1919 and serves Lawrence and Randolph Counties in Northeast Arkansas. The bank has strong roots in the primarily agricultural and industrial communities it serves. As a testament […] The post first appeared on Retriever, Advantage Merchant Services.

In light of all the market and regulatory pressures community banks and credit unions face which threaten to chip away at your margin, it is more important than ever to remain on the lookout for new revenue streams. Small businesses present the opportunity for FIs to capture more market share as well as a greater […] The post Use Value-Added Merchant Services to Get More Small Business Banking Market Share: Arkansas Community Banker, Summer 2019 first appeared on Retriever, Advantage Merchant Services.

Part of being an entrepreneur or business owner is that you must become knowledgeable about topics that may not be that closely connected to what your business does. For example, if you opened a restaurant, it’s probably because you have experience in the industry and enjoy providing quality food to your guests. Or, you’re an […] The post Simplifying Your Merchant Processing first appeared on Retriever, Advantage Merchant Services.

With all the enthusiastic shopping that takes place during the holiday season, there is no shortage of thieves who want to steal your hard-earned money from you. While a lot of the problem involves packages that are stolen from people’s porches, you also have to be very careful about protecting yourself from credit and debit […] The post Protecting Yourself from Credit and Debit Card Fraud first appeared on Retriever, Advantage Merchant Services.

Even though it’s been three years since retailers have been able to switch to new chip-based credit and debit cards, a recent study shows that payment fraud is still a major concern in the United States as criminals take advantage of remaining vulnerabilities at point of sale, while also focusing more on online merchants. And […] The post Expecting a Holiday Rush? Here’s How Merchants can Protect Themselves from Fraud first appeared on Retriever, Advantage Merchant Services.

As a small business, you may be wondering if it’s worth your while to get into offering gift cards to your customers. You may think it involves giving out free money to people, and that’s bad business – right? The thing is, investing in gift cards isn’t nearly as bad as you may think. In fact, […] The post The Merchant Processing Implications for Gift Cards: A Small Business Guide first appeared on Retriever, Advantage Merchant Services.

People are less sensitive to their spending when they’re holding a gift card. It’s a simple fact, and it’s one of the reasons that you should implement a gift card program for your business. There are many reasons that gift cards bring an increase in sales. There are close to no reasons that you shouldn’t […] The post How Do Gift Cards Work? Here’s Why Your Business Needs Them to Increase Profit (Easily) first appeared on Retriever, Advantage Merchant Services.

Customers rarely carry cash these days, and they expect merchants to accept debit and credit cards, no matter where they are. That’s why it’s more necessary than ever that businesses have mobile point-of-sale (mPOS) terminals.     A mobile point-of-sale terminal can be a tablet, smart phone, or similar wireless device, equipped with point-of-sale apps  that act as a traditional POS system. There are many options, […] The post Get Ready for Mobile POS first appeared on Retriever, Advantage Merchant Services.

For years, we lived by the cash-is-king philosophy. With the rise of mobile payment options, cashless systems continue to be more important.   Mobile payments come in many different forms: e-checks, Apple Pay, bank apps,  and more. Mobile wallets are one cashless trend that has really taken off in recent years. Since 2015, the number people in the U.S. using mobile wallets increased […] The post Mobile Wallet Will Continue to Grow first appeared on Retriever, Advantage Merchant Services.

MasterCard has recently announced that it is creating a new BIN (Bank Identification Number) for their cards. They will start issuing cards beginning with the number “2,” to supplement the existing 5 series of BIN numbers.     This not only expands the number of available cards, by creating additional secure and unique numbers, but also meets the need […] The post MasterCard Adding BIN first appeared on Retriever, Advantage Merchant Services.

Point-of-sale (POS) systems are evolving, and merchants are moving to these systems in droves as technology makes them more accessible and cost effective.   New tablet and mobile products have made POS technology even more affordable and easy to use. In the past, POS systems were so cost prohibitive that only big retailers could afford them. Units ranged from $10,000 to $100,000, making it impossible […] The post Point of Sale Evolving first appeared on Retriever, Advantage Merchant Services.

The EMV chip is the biggest trend in credit card payments. Merchants have been trying their best to migrate to EMV since the liability shift in 2015. However, a major roadblock has existed in the certifications of their systems.    While many merchants had new payment acceptance devices installed by 2016, they couldn’t accept chip cards because they were still […] The post Credit Card Chargebacks first appeared on Retriever, Advantage Merchant Services.

Fraud has been an ongoing problem with credit card payments since the beginning, and it’s likely not going away any time soon. The use of EMV is the first step in combatting credit card fraud.     Other countries have had EMV credit cards for several years and, as a result, experienced dramatically reduced rates of credit card fraud. Face-to-face fraud has decreased […] The post Combat Credit Card Fraud with EMV first appeared on Retriever, Advantage Merchant Services.

The use of prepaid cards as a payment method has grown exponentially over the past decade. This alternative form of payment eliminates the need for a bank account, because funds are connected directly to a card. Unlike other types of cards that require a credit check, income verification, or bank account, prepaid cards are more easily accessible. […] The post Prepaid Cards first appeared on Retriever, Advantage Merchant Services.

Apple recently announced the launch of a new money transfer service that will allow iPhone and iPad users to send and receive money digitally using iMessage. The new feature will be automatically included with Apple Messages in the company’s newest operating system, iOS 11, which will be available this fall.   The money transfers will be funded with credit or debit cards, but […] The post Apple Announces a P2P Service Tied to Apple Pay and iMessage first appeared on Retriever, Advantage Merchant Services.

Meet our Newest Product Vantiv Mobile Checkout Vantiv Mobile Checkout, powered by NCR Silver, is an all-in-one point of sale (POS) solution that makes it easier for business owners to market to customers, track sales and profitability, manage inventory and process sales onsite or at any location. Vantiv Mobile Checkout is a tablet-based, cloud-connected POS […] The post Our Newest POS; Vantiv Mobile Checkout first appeared on Retriever, Advantage Merchant Services.

In response to government regulations and the needs of our merchants, in 2012, our company developed and released the RAAP program.  Since implementation, this program has provided a seamless reporting tool for our merchants. RAAP is an online, web-based portal  integrated with NPC’s existing web reporting (www.MyNPCData.net) that provides merchants with tax reconciliation and reporting […] The post March Newsletter Regulatory Accounting Assistance Program (RAAP) first appeared on Retriever, Advantage Merchant Services.

Everybody is Talking about EMV Europay, Master Card and Visa There is an Upgrade in our FUTURE.  Sometimes it is as simple as upgrading some software and other times the change is dramatic.  This time the way we transact business is being changed to help protect against fraud.  Over 1 Billion EMV credit cards are […] The post Everyone is Talking About EMV first appeared on Retriever, Advantage Merchant Services.

With the increase in use of plastic as payment, it’s no wonder credit card fraud has begun to run rampant throughout the country. Many people believe certain myths about the safety of their credit cards that can put them at a higher risk for fraud. Here at Retriever, we know the importance of credit card […] The post Three Credit Card Security Myths You Shouldn’t Believe first appeared on Retriever, Advantage Merchant Services.

The old saw about  “I have some good news and some bad news… which do you want first?” is alive and well in processing world.  PCI (Payment Card Industry) has made some changes that allow a transaction to complete for a partial amount instead of declining which was the way things happened in the past.  […] The post Train Your Staff to Check Receipts CAREFULLY! first appeared on Retriever, Advantage Merchant Services.

You can verify your deposits from your cell phone or mobile device.     Pull up your statements, retrievals, charge backs and batches   MDAS is provided FREE to my merchants.  Your peace of mind is my continuous promise.  This app is “Read–only”. No updates to your information are performed via the application except for password […] The post Announcing Merchant Data Activity Summary (MDAS) The Mobile App to Monitor Your Account! first appeared on Retriever, Advantage Merchant Services.

Everything YOU need for just $99.00*! Limited time savings from our regular $189 Starter package of 100 cards! Retriever provides our merchants with an easy way to offer Gift Cards to their customers. Some important facts about Gift Cards that you may not be aware of. Gift Cards are MOST requested Gift item! Average customer […] The post Gift Cards Mean Business first appeared on Retriever, Advantage Merchant Services.

Are you using this awesome tool? Retriever offers our merchants an easy way to get all the info you could ever want about your processing at the touch of a mouse! Here is how to log in for first time users. Go to www.mynpcdata.net Step 1. Enter Merchant ID number under username. Step 2. Enter […] The post MyNPCData an incredible Complement to Your Account With Retriever! first appeared on Retriever, Advantage Merchant Services.

Need Money For Your Business? Retriever offers an often overlooked source of short-term financing. Generate the working capital you need to improve your business without having to negotiate with a bank or worry about long-term credit card interest. Instead, your company may qualify for a cash advance of $5,000 to $1,000,000 by leveraging an asset […] The post June Newsletter Cash is King? Do You Need Some Capital? first appeared on Retriever, Advantage Merchant Services.

New EMV Terminals… Upgrade SOON? You may or may not have heard but Euro Pay, Master Card, Visa (EMV) terminals will be required by the Payment Card Industry to enable merchants to handle the new chip enabled cards. This will be mandatory for all merchants by October 2015. This is a good thing because of […] The post May Newsletter… Don't Be Fooled first appeared on Retriever, Advantage Merchant Services.

You can register to attend either one or both of these Tech Match events at WWW.FACEBOOK.COM/ACTIONCHAOS/EVENTS   Look forward to seeing you soon! The post Retriever Sponsors Two Events at the Citrus Club in May first appeared on Retriever, Advantage Merchant Services.

Each year our Sales team meets and has a series of professionals present at our annual meeting and this year we decided to open it up to our B-2-B Comrades.  If you can attend, I guarantee a terrific ROI for you professionally!  Please contact Bobbi at Bobbi@localCCprocessing.com  or call the office 321.251.6693 to reserve your […] The post Retriever Hosts Annual Meeting and Invites B-2-B Professionals to attend! first appeared on Retriever, Advantage Merchant Services.

No matter whether you are selling a service or a product… these days you may find yourself wishing you could take a payment while you are out and about.  Capturing credit card data and closing the sale has become easier with the proliferation of Smart Phone technology.  I-Phones, Blackberry, Android and I-Pads give you the […] The post How to get PAID When You are On the GO! first appeared on Retriever, Advantage Merchant Services.

We at Retriever Payment Systems spend a lot of our time selling Credit Card Processing.  The second focus point in our presentations is education.  It is a scary world out there with FRAUD and compromised data a daily news item.  There are mistakes that many organizations make related to web application security. First, many businesses […] The post What PCI Compliance Means for Your Business! first appeared on Retriever, Advantage Merchant Services.

The members of PCI Security Standards Council (American Express, Discover, JCB, MasterCard, and Visa) continually monitor cases of account data compromise. These compromises cover the full spectrum of organizations, from the very small to very large merchants and service providers. A security breach and subsequent compromise of payment card data has far-reaching consequences for affected […] The post Why Is Compliance with PCI DSS Important? first appeared on Retriever, Advantage Merchant Services.

Great info here but some things have changed.  Lots of Big banks have decided against the $5 monthly fee for Debit Cards.  In MANY cases there are other fees popping up to replace their lost revenue.  Hope you find this article helpful. The Durbin Amendment Explained by Anisha on October 3, 2011 The Durbin Amendment, […] The post Reprint of Article: The Durbin Act Explained first appeared on Retriever, Advantage Merchant Services.