[Winning]

No way your effective rate is 1.6 with 99% card not present.... Unless you are not receiving other value added services from your current processor

There are Fees stuck in there somewhere

Again, no way that is right. You are missing some other fees.

Since he states 99.9% is CNP, I agree with you he is not @ 1.573

Your agent probably only makes $5 a month off of you in residuals. He probably dodges your phone calls lol!

What's up with all the negativity & the assumptions?
Be honest, For the most part do you all think your clients are "not to sharp" (to put it nicely), and most of the time don't know what they are talking about?

To me, it seems like a better way to respond would have been something like..
"Wow, that is a great rate. Do you mind sharing one of your statements? Would love to see exactly how your processor is acheving that for you." VS "You don't know what you are talking about, it's no way in hell you are at a 1.573".

Just Saying... Sometimes it's not what you say, it's how you say it..

[DonMcGrath]

What's up with all the negativity & the assumptions?
Be honest, For the most part do you all think your clients are "not to sharp" (to put it nicely), and most of the time don't know what they are talking about?

To me, it seems like a better way to respond would have been something like..
"Wow, that is a great rate. Do you mind sharing one of your statements? Would love to see exactly how your processor is acheving that for you." VS "You don't know what you are talking about, it's no way in hell you are at a 1.573".

Just Saying... Sometimes it's not what you say, it's how you say it..

I think it’s less negativity and more just experienced businessmen hearing numbers that don't "seemingly" make sense and just responding with their input. Of course, you can have a lot of experience doing something a long time, but the wrong way, so what do I know.

I'd love to meet your processing agent though. I'm also curious how you're getting so many debit card transactions with the card not present.