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    <title>Home: Message List - What are the rights of a merchant that accepts credit cards?</title>
    <link>http://smallbusinessonlinecommunity.bankofamerica.com/community/forum/merchantservices?view=discussions</link>
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    <pubDate>Fri, 06 Jun 2008 03:28:23 GMT</pubDate>
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    <dc:date>2008-06-06T03:28:23Z</dc:date>
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    <item>
      <title>Re: What are the rights of a merchant that accepts credit cards?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=27829&amp;amp;tstart=0#27829</link>
      <description>Yes it is important to ask alot of questions when signing up for a merchant credit card account.&lt;br /&gt;
And of course get educated and then compare rates,fees, and service.&lt;br /&gt;
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&lt;br /&gt;
Joe&lt;br /&gt;
&lt;br /&gt;
718-692-CASH&lt;br /&gt;
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RichtonFunding&lt;br /&gt;
&lt;p /&gt;
www.BusinessLoansFast.net</description>
      <pubDate>Fri, 06 Jun 2008 03:28:23 GMT</pubDate>
      <author>MRFINANCE</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=27829&amp;amp;tstart=0#27829</guid>
      <dc:date>2008-06-06T03:28:23Z</dc:date>
      <clearspace:dateToText>Jun 5, 2008 11:28 PM</clearspace:dateToText>
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    <item>
      <title>What are the rights of a merchant that accepts credit cards?</title>
      <link>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=25175&amp;amp;tstart=0#25175</link>
      <description>What are the rights of a merchant that accepts credit cards?&lt;br /&gt;
&lt;br /&gt;
The Credit Card Processing Industry is the last unregulated Finace industry in the United States.  This leaves room for all sorts of unsavory business practices.  This lead to the creation of the Merchant Bill of Rights.&lt;br /&gt;
&lt;br /&gt;
&lt;b&gt;THE MERCHANT BILL OF RIGHTS&lt;/b&gt;&lt;br /&gt;
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1) The right to know the fee for every card transaction-and who's charging it.&lt;br /&gt;
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2) The right to know the markup of Visa/MasterCardfee increases.&lt;br /&gt;
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3) The right to know all Visa/MasterCard fee reductions.&lt;br /&gt;
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4)The right to know all transaction middlemen.&lt;br /&gt;
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5) The right to know all surcharges and bill-backs.&lt;br /&gt;
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6) The right to a dedicated local service representative.&lt;br /&gt;
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7) The right to encrypted card numbers and secure transactions.&lt;br /&gt;
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8) The right to real-time fraud and transaction monitoring.&lt;br /&gt;
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9) The right to reasonable equipment costs.&lt;br /&gt;
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10) The right to live customer support 24/7/365.&lt;br /&gt;
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To learn more about your rights, visit MerchantBillOfRights.com.&lt;br /&gt;
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*&lt;br /&gt;
Charles "Chad" Johnson III&lt;br /&gt;
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Heartland Payment Systems&lt;br /&gt;
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Cell: 304-886-3113&lt;br /&gt;
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charles.johnsonIII@e-hps.com&lt;br /&gt;
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*</description>
      <pubDate>Mon, 12 May 2008 18:01:16 GMT</pubDate>
      <author>chatterboxj</author>
      <guid>http://smallbusinessonlinecommunity.bankofamerica.com/thread.jspa?messageID=25175&amp;amp;tstart=0#25175</guid>
      <dc:date>2008-05-12T18:01:16Z</dc:date>
      <clearspace:dateToText>May 12, 2008 2:01 PM</clearspace:dateToText>
      <clearspace:replyCount>1</clearspace:replyCount>
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