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

4.9 out of 5 stars 25 customer reviews

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Editorial Reviews

Review

"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 - bookshaker.com

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
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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: #1,601,237 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

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.
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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
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Format: Paperback Verified Purchase
The book is really two books in one. The first half, by Bill Pirtle, is an insider's view on the credit card processing/ISO business for the merchant looking to add credit card acceptance to their offering. From how the service works, to how it is sold and priced, Pirtle gives the reader valuable information on signing up for merchant processing.

That's the fist 150 pages or so. The second half of the book is somewhat useful series of 20 "bonus chapters", written largely by business service providers, that are 70% basic knowledge and 30% infomercial. These bonus chapters are very short, and not extremely insightful. They aren't bad - there just isn't much there.

The book is worth the freight just for the section Pirtle wrote. It will pay for itself for the merchant looking to add credit card processing just with the knowledge and tips gained being actionable to immediate savings.
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Format: Paperback
In 1942, my father opened a new retail and service business. The small enterprise supported him and fed his family for over 40 years up until his death in 1986. That era, and the era that followed are so dramatically different, it as if we relocated to another planet.

In the 1970's, companies like Sears and Montgomery Ward laid waste to the independent retailer landscape. Today, Montgomery Ward is long gone and Sears' stores are closing all over America. Yet, most independent retailers continue to operate as my father did and remain oblivious to the threats and perils of the current environment.

When I first read Bill Pirtle's new book, I confess I had little interest in the credit card industry and how it works. I write books on retail inventory control and sell my books on Amazon just like Bill does. However, the retail customers I serve are very much affected by the credit card industry and Bill's knowledge and insight into this area have made me aware of the plethora of attacks affecting my customers.

Whether you're a retailer accepting cards, a student researching economics, or merely a consumer carrying plastic around in your wallet, "Navigating Through the Risks of Credit Card Processing," is the foremost encyclopedia for the industry. I am advising all of my clients to purchase this book, because I believe it can save them hundreds of thousands of dollars in future costs and mistakes.
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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.
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Format: Paperback
If you ever wondered about how the very confusing and intimidating credit card process system works this is a must read book. Bill has in a very simple way explained how it works and how you can save lots of money when you accept credit cards. Thank you Bill!!
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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.
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