A. The "volume" approach to selling credit card services. PPC sets up 75-100 new businesses each month to accept credit cards. All credit card processing companies have the same costs from Visa/MasterCard. The added fees like application fees, monthly minimums, and cost of supplies are added to offset the cost of losing customers and paying huge commissions to sales people. PPC's strives to keep our customers happy by providing a low cost service that will keep our customers our customers.

A. The most common "unnecessary fees" and their typical costs are:

Annual Fee	($50 - $95/yr.)
Monthly Minimum	($15 - $35/mo.)
Supplies Charge	($10 - $25/order)
Voice Authorizations	($ .75/call)
Termination of Services	($125 - $395)

Q. How do I sign up with PPC?

A. Contact PPC at 888-282-5384 and they will either send you an application if you are already accepting credit cards, or if you are a new acceptor of credit cards they will come to your location (NY State). An application is part of the sign up procedure. The information needed to complete the application is: Company name and address, owner name and address, Federal Tax ID, owner's social security number, a voided check, and two trade references. The approval of your application takes approximately 2 days.

A. 98% of all applications are approved regardless of credit history.

A. Two business days for Visa/MasterCard sales, 2-3 business days for Discover Card and American Express.

A. PPC is Independent Sales Organization acting on behalf of First National Bank of Omaha (FNBO). FNBO wires the Visa/MasterCard funds into your checking account.

Founded in 1863, FNBO is one of the oldest nationally chartered financial institutions in the country. Establishing credit card operations in 1953, FNBO was the first bank west of Missouri to issue credit cards. First Omaha Merchant Processing now ranks among the top seven credit card processors in the U.S., processing over $9 billion dollars in credit card volume last year for more than 33,000 merchants throughout the United States. They were recently honored as a recipient of a Visa USA Member Quality Performance Award. FNBO's senior executives are proud to serve on the board of Visa International.

A. No. All fees, the percentage and the $9.95 statement fee, are deducted from your checking at the end of each month. You will receive a statement that chronicles all the sales you had for a particular month and the rate that applies to those sales. Note: Discover and American Express provide a separate statement.

A. Yes. PPC will sign you up for Discover Card and American Express along with Visa/MasterCard. Signing up for Discover Card and American Express with PPC avoids any "application fees" those cards may impose.

A. It depends on the type of business you have and the volume of charges you may accept. If you conduct business on the Internet, with large corporations, the US government, or have a lot of credit sales each day it may be a necessity. A printer provides a fast receipt for your customer and concise reports for your record keeping. However, if you don't mind filling out credit slips by hand or have infrequent credit sales, you can avoid the added cost of a printer.

A. Yes. PPC sells a machine called a Tranz 420 that has a built in battery. This allows the user to take the machine with them on the road or to a trade show.

A. Yes. PPC leases or sells a machine called a Talento. that can handle 8 different companies and deposits into 8 different checking accounts. This machine is ideal for doctors' offices; massage therapists' offices, or multiple businesses at the same location.

A. No. The credit card machine can be plugged into any existing telephone line. The credit card machine will only be in use for 5 - 7 seconds when it is authorizing a card. If you have call waiting, the telephone will ring once the credit card machine hangs up.

A. Yes. A PPC representative will train you on the complete functionality of your credit card machine. In addition, they will provide you with tips on avoiding credit card fraud.