ACS Payments Consulting

05/27/2025

We’ve teamed up with a leading practice-management provider to deliver an all-in-one payments solution built directly into your EMR workflow. Now, you can:

Integrate seamlessly with any Windows-based EMR—no more switching between screens or manual data entry

Accept payments via text, online portal, card-on-file, and contactless tap-to-pay

Cut processing costs with our transparent, interchange-plus pricing model

Automate A/R with real-time tracking and one-click posting to your ledger

Stay compliant with built-in HIPAA & OSHA safeguards

Engage patients through online scheduling, appointment reminders, and post-visit surveys

Stop overpaying on transactions and start freeing up your staff to focus on patient care. Ready to see how it works in your practice? Let’s connect!

12/19/2023

🌟 Hey ACS Payments Family! 🌟

Today, we're diving into 4 smart strategies for high-risk merchants (which can also benefit low-risk businesses) to boost profits and access capital, especially if you're hitting that awesome $5 million annual revenue mark!

1. 💰 Unlock Your Hidden Treasure - Recapture Reserves 🏦 : Typically, high-risk merchants have about 10% of their monthly revenue held in reserve. If your business processes $5 million annually, that’s $500,000 tucked away! With a solid processing history and low chargebacks, you might persuade your processor to release these funds. Think of it as uncovering a buried treasure in your backyard!

2. 🤝 Negotiate for Gold - Rate Reduction : If you’re paying 3.5% in processing fees on $5 million, that's $175,000 a year. Reducing this to 2.5% would bring your fees down to $125,000, saving you a cool $50,000. Or, consider switching to dual pricing, which could boost your profits to an amazing $157,500 annually. Remember, negotiation requires a strong processing history as your leverage.

3. 🚫Turn 'No' into 'Yes' - Decrease Declines ✅: For subscription models, an auto-update feature in your gateway can prevent lost revenue due to expired cards. If you’re experiencing a 10% decline rate on a $5 million revenue, that’s $500,000 slipping away. Also, ensure you have the correct Merchant Classification Code (MCC) to avoid unnecessary declines from banks mistaking your transactions for fraud.

4. 📈 Grow with a Boost - Merchant Cash Advance : Need a quick capital infusion to scale up? Companies like AMEX offer merchant cash advances, usually up to one month of revenue, repayable over a period like 3 or 6 months. This can be a game-changer for growth, but remember, it’s important to use this wisely as it can be costly.

By implementing these strategies, you could potentially unlock substantial funds from your reserves, save on processing fees, and secure additional capital for growth. Remember, a successful business is like a well-oiled machine – every part needs to be working optimally for the best performance. With this example, this merchant would have gained access to about an additional $1m - $1.15m in a year.

Keep aiming high and here's to your continued success! 🚀💸

12/04/2023

You want to learn 2 little secrets about business that’s necessary to survive and thrive?

1️⃣ You must be tenacious.
2️⃣ You must practice lifelong learning day-in and day-out.

It’s simple, not easy; understand the difference.

📸

11/17/2023

Having a craving for those tasty treat or are in search of them for some family in friends?!

👀 Look no more as you have a family-owned bakery in downtown ! Where you see the passion from Kat and Chad in each treat. Come check them out, once you come once you’ll be back again and again! 😋

11/06/2023

When businesses aren’t partnered with ACS Payments for their credit card processing…

09/26/2023

09/24/2023

As a company who sells online, online fitness coaching, sells nutraceuticals, etc… what’s the worst that can happen when you choose the wrong 💳 processing company?

✅ How about your account being setup incorrectly which can lead to overpaying in fees…

✅ Having your account dropped or frozen leading to your business not being able to take digital payments

✅ Funds being held for long durations of time
(Look at Stripe, Square, and PayPal for great examples with this)

📸

09/22/2023

Wisdom = Pain + Insight…

Experience doesn’t provide wisdom as there’s many old fools… so can I not say these are wise words .hacks ?

📸

09/19/2023

Hello to my fellow entrepreneurs! I’m attending an event this Saturday via a live virtual event with Co-founder of Scalable.co Roland Frasier and Jay Abraham the founder of The Abraham Group. This’ll be very valuable for any of you that are investors, business owners or those who are seeking freedom. These may be volatile times, but with so there’s tremendous opportunity!

Roland Frasier boasts a track record as an investor and business strategist, having successfully completed over 1,000 acquisitions and exits on behalf of both himself and his clients.

Jay Abraham, renowned as “The 21.7 Billion Dollar Man” and the highest-paid marketing consultant, is a proven business luminary and esteemed executive coach within the United States.

09/19/2023

“Every man lives two lives, the second starts when he realizes he only has one.”

📸

09/14/2023

💰 Lowering Processing Costs: Insider Insights 💳

1️⃣ Swipe, Tap, Dip: The Winning Trio 💳💃 Whenever you can, opt for card-present transactions. Why, you ask? Well, it’s not just about convenience; it’s about saving on those precious fees. Swipe, tap, or dip – these methods unlock lower processing rates, which means more money in your pocket! 💰💰

2️⃣ VOID vs. Refund: The Fee-Saving Showdown 💸💥 Here’s a little secret for you: VOIDing a transaction can be your financial superhero. Refunds? They come with multiple fees – sale, settlement, and refund charges. VOIDing, on the other hand, is the fee-free hero! By VOIDing before settlement, you dodge those extra expenses and keep more cash in your business. Cha-ching! 💣💥

3️⃣ Staying PCI Compliant: The Security Shield 🔐🛡️ PCI compliance isn’t just jargon; it’s your business’s safety net. Regular scans and that annual SAQ form are your guardians against data breaches. Neglecting this can be a costly mistake – think up to $100,000 a month in fees or even losing your banking relationship. *PCI non compliant fees will range from $9.99 to $49.99 per month. Stay secure, stay compliant! 🚧🔒

4️⃣ AVS (Address Verification System): The Data-Driven Defense 🏠📊 When it comes to payments, more data equals less risk. Collect as much information from cardholders as possible and input it into your system. It may add an extra beat to the transaction process, but it’s a powerful risk mitigator that can help you qualify for lower interchange rates. Safety comes first, even if it slows things down a tad. 🚀📉

5️⃣ Mastering MCC: Your Rate Code Magic 🧙‍♂️🔮 Your Merchant Category Code (MCC) is your ticket to better rates. If your MCC doesn’t match your business type, you might be overpaying. Plus, your customers could miss out on cashback rewards if it’s not set right. Tune it up and watch the savings roll in! 🎟️💰

6️⃣ Level 2 & 3 Processing: The Data-Driven Advantage 📊🚀 Now, let’s talk about Level 2 and Level 3 processing. If you’re in the world of B2B and have the right SIC code, these tiers can be game-changers. They involve collecting more transaction data, which translates to lower interchange costs. 📈💼