Industrial Deals Books Gift Guide Books Gift Guide Shop Men's Athletic Shoes Learn more nav_sap_plcc_6M_fly_beacon $5 Albums egg_2015 Fire TV Stick Get Ready for the Winter Gifts Under $50 Amazon Gift Card Offer minions minions minions  Amazon Echo Starting at $84.99 Kindle Black Friday Deals TheGoodDinosaur Outdoor Deals on HTL

Enter your mobile number or email address below and we'll send you a link to download the free Kindle App. Then you can start reading Kindle books on your smartphone, tablet, or computer - no Kindle device required.

  • Apple
  • Android
  • Windows Phone
  • Android

To get the free app, enter your email address or mobile phone number.

Sell yours for a Gift Card
We'll buy it for $2.76
Learn More
Trade in now
Have one to sell? Sell on Amazon
Flip to back Flip to front
Listen Playing... Paused   You're listening to a sample of the Audible audio edition.
Learn more
See this image

Navigating Through the Risks of Credit Card Processing (Savvy Business Owner's Guide) Paperback – April 30, 2010

25 customer reviews

See all formats and editions Hide other formats and editions
New from Used from
"Please retry"
$18.42 $17.25

Best Books of the Year So Far
Looking for something great to read? Browse our editors' picks for 2015's Best Books of the Year in fiction, nonfiction, mysteries, children's books, and much more.

Editorial Reviews


"I encourage you to carefully read Bill Pirtle's master class on every conceivable issue related to credit card processing. It will be well worth your financial and time investment over the long term..."
--Dan Coughlin, The Management 500:

"Few have the courage to write on the challenges of merchant services. You have written an excellent book that should raise lots of eyebrows... I will be recommending your book to my business associates."
--R. T. Pausch. Coffee News Oakland

...the pace and content is in plain english and you've made a subject (that could be dry and stuffy if handled in the wrong way) feel like a conversation with a knowledgable friend. --Joe Gregory -

In his elucidating and detailed book, Bill Pirtle offers merchants a guide on the perils of card acceptance, as well as the benefits for those who do it prudently...
--The Green Sheet V.100602

...Though the book explicitly addresses merchants, it is relevant to the ISOs and merchant level salespeople who serve them- and is a kind of hymn to those who provide merchant services in an honest and transparent way...

--The Green Sheet V. 100602

Hero Quick Promo
Holiday Deals in Kindle Books
Save up to 85% on more than 1,000 Kindle Books. These deals are valid until November 30, 2015. Learn more

Product Details

  • Series: Savvy Business Owner's Guide
  • Paperback: 344 pages
  • Publisher: MPCT Publishing Company (April 30, 2010)
  • Language: English
  • ISBN-10: 0982611609
  • ISBN-13: 978-0982611609
  • Product Dimensions: 6 x 0.7 x 9 inches
  • Shipping Weight: 15.2 ounces
  • Average Customer Review: 4.9 out of 5 stars  See all reviews (25 customer reviews)
  • Amazon Best Sellers Rank: #1,012,525 in Books (See Top 100 in Books)

More About the Author

William (Bill) Pirtle has been in the field of credit card processing since 2004.With 10 years prior experience in retail management, he is an expert in loss prevention and training. In his business, Merchant Processing Consulting & Training LLC, Bill coached business owners on credit card processing procedures, security compliance, and other good business practices. Bill is currently a Regional Sales Manager for MainStream Merchant Services where he hires and trains credit card processing agents and helps business owners accept credit cards.

Bill is an active participant on the Green Sheet, a credit card industry forum sponsored by Green Sheet magazine. He was interviewed in the Green Sheet Magazine column, "AgenTalk," in the April 13, 2009 issue. From April of 2011 to March of 2012, Bill wrote the Street Smarts column for The Green Sheet.

Bill wrote Navigating Through the Risks of Credit Card Processing to assist business owners selecting a merchant services provider. So many ISOs began using the book to train agents, Bill gathered a team of experts writing in their own niche to produce Credit Card Processing for Sales Agents and its Study Guide with the specific purpose of giving companies a method of training and agents a method of learning the industry.

MainStream Merchant Services hired Bill in December of 2014. MainStream is developing a module training program for its employee agents.

Bill has a B.A. in Multi-disciplinary Social Science (economics, history, and political science) from Michigan State University. You can contact Bill by email:

Customer Reviews

5 star
4 star
3 star
2 star
1 star
See all 25 customer reviews
Share your thoughts with other customers

Most Helpful Customer Reviews

3 of 3 people found the following review helpful By Coach Laura on May 18, 2011
Format: Paperback
Bill tells you everything you need to know to make an informed decision about choosing the right credit card processing for your business. I've seen many Merchant Account reps tell you one price and leave out all the fees. Then you're locked into a contract with no way out. Refer to this book before signing a merchant services contract. Find out whether you should go with an Interchange Plus or Tiered pricing system. What? You didn't know there were two systems of pricing on merchant accounts. Neither did I! Bill's book changed all that. Plus, he's added a myriad of bonus chapters to help the business owner set up right and market well. Great reference book for every business owner.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
2 of 2 people found the following review helpful By Michael Angelo Caruso on February 4, 2011
Format: Paperback
Navigating Through the Risks of Credit Card Processing

Pennies. Fractions of pennies. It all adds up when you're running a business for the long haul.

Credit card processing is fraught with peril. Complicated monthly statements, fluctuating policies, and boring procedures make things even worse--especially for busy entrepreneurs who barely have time to make sales calls.

Read this book to deputize expert, Bill Pirtle. I've learned a lot from Mr. Pirtle, both from reading his great book and as his client.

"Navigating Through the Risks of Credit Card Processing" will help you save money, negotiate better rates, avoid dishonest vendors, and generally stay out of trouble.

I'm glad to have Bill as part of my team and you will be, too! -Michael Angelo Caruso
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
2 of 2 people found the following review helpful By Bigred_dave on July 31, 2011
Format: Paperback
As a Manager and trainer I know all to well how important education is to a successful sales team. Merchant processing is a convoluted and treacherous industry. If not trained correctly, a sales professional is doomed to fail no matter how experienced or motivated they happen to be.
Bill Pirtle's book, Navigating Through The Risks of Credit Card Processing, is a great resource that explains in terms that are easy to understand and follow. It should be required reading for any sales pro looking to enter the merhant services arena.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
4 of 5 people found the following review helpful By Richard E. Chelten on June 18, 2010
Format: Paperback
What a great business primer! Yes, I got the information my wife and I needed for her new art business-who knew that artists' credit card needs were different?

Surprisingly, the ideas in the book went far beyond just credit card processing-the original reason I bought the book. The "bonus" chapters are simply terrific segments that are helping my other businesses that don't even use credit card processing!

This book is so good that I carry it with me in my car and reread sections of it every day. I can't say this is the only business book you should ever buy, but if you are a small business owner who wants to sell more business, retain more clients, and become more profitable without having to "reinvent the wheel", then this book is a definite "buy"!
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
Format: Paperback
I'm a fifteen year veteran in the merchant services industry and I enjoyed reading this book because I loved the author's approach to the business. I appreciate his consultive and educational style and his integrity above all. Although this book is written to educate the merchant (and it does that in detail) I was amazed at the things I learned, as well as how well he communicated the things I had previous knowledge of. I find myself tempted to make copies of certain pages and hand them out to specific merchants to educate them against unscrupulous agents. I definitely think the book is a must read for all new agents coming into this industry that want to make a long term career in this field.
From a merchant stand point, it's alot of information to digest, but learning some of the basic points of this could very well mean thousands of dollars in savings, in fees, equipment leases and even potentially fines. Every merchant should understand the basics so they know if they are working with a representative that has his best interest at heart for the long run, as well as the knowledge to help him avoid the potential pitfalls of credit card processing.
Beyond all of this, the bonus chapters could be a book of their very own. With all the great business information, I find this book sitting on my business desk for easy access to consult again and again.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
Format: Paperback
So the phone rings last week and it's the seventh call in three week I get from some credit card processing company or bank trying get me to switch. It's become worse then the cell phone wars. Every one of these callers pitches the same thing, lower rates, lower rates and lower rates. No benefits of using their services.

Each disembodied voice, asks the same lame question about my present credit card processing service, then promise the moon, stars and massive savings.

The problem is how do your know which processor can actually deliver on what they promise?

We've all heard the horror stories of switching credit card processing providers.

In fact, one of my business partners was tasked with just that. And he went with the processor that offers the lowest sign-up costs. The lowest rates. The lowest everything he could get. Well after the first statement arrived, he hit the roof. There where so many unexplainable additional fees that the credit card processing bill had more than doubled our last provider.

With all that said we had to do something. So, we searched the Internet and found "Navigating Through the Risks of Credit Card Processing" by Bill Pirtle. Ordered it and waited impatiently during the four days it took to arrive. Should have had it overnighted.

Now, having this new book in hand, we dug in and learned about what to look for when choosing a credit card processor. This book was so well organized and easy to follow and most importantly, understandable. Not too much technical gibberish. I wish every guru, author and expert books was this organized and to the point. In fact, this is more than a book on credit card processing; it's a guide, roadmap and a power tool.
Read more ›
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse

Most Recent Customer Reviews