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AH Merchant Services & Credit Card Processing

Updated: Mar 30, 2023




You can accept all card payments in one terminal. We offer low rate credit card processing for any size business that offers all the features you need With our system, you can accept all major credit cards plus EBT. We provides leading credit card processing that comes with a free credit card reader.

We are very excited to announce our new partnership with NRS Pay. Now we can offer low rate credit processing for all kinds of retailer stores you can accept all major credit cards plus EBT. We provides leading credit card processing that comes with a free credit card reader. We are offering merchant processing to all kinds of businesses like

  • Convenience stores

  • Cell phone stores

  • Liquor stores

  • Tobacco stores and vape shops

  • Delis

  • Supermarkets

  • Grocery stores

  • Retail stores

  • Bakeries

  • Dollar stores

  • Produce stands

  • Meat markets

  • Beauty salons

All Complete Processing Solutions

Accept all the major credit cards and bank ATM debit cards at the lowest cost with NRS pay's direct merchant services with our state-of-the art technilogy and industry affiliations well design a system for you that is custamized for your business needs.Top notch service,low fees and latest technology and equipment.


WHAT WE DO

We provide merchant services to USA based businesses.Our highly trained staff can guide you in setting up the best merchant services program for your business.

WHAT WE OFFER

NRS PAY merchant services optionally integrate seamlessly with the National Retail Solutions point of sale system,as well as other POS systems.

ALL MAJOR CREDIT CARDS

With our platform, merchants can quickly and easily process all major credit cards with next day funding.

INTERNET SOLUTIONS

AH brands provides a secure internet processing gateway for any type of business,

retail, online, phone ordering or mobile. Ask us about our virtual terminal with advanced integration technologies.

Credit Card Processing Rates


We offer true interchange pass through rates plus 5 cents transaction fee with 5 base point.

Custom Pricing For Your Business

If you are processing at least $20000 every month, we may be able to design custom pricing packages for businesses like yours and we can beat your current processor's pricing.

What interchange pass through ?


Interchange pass through is a pricing model used in the payment card industry, where the merchant pays the exact interchange fee set by the card network (e.g., Visa, Mastercard) to the acquiring bank, without any markup or additional fees.


Interchange fees are the fees paid by the merchant's bank to the cardholder's bank for processing a transaction. The interchange fee varies depending on several factors, such as the type of card used, the transaction amount, and the merchant category. The interchange pass-through model is in contrast to the more traditional pricing model, where the acquiring bank charges the merchant a bundled rate that includes the interchange fee, as well as other fees and markups.


By using interchange pass-through, merchants can benefit from more transparency in pricing and potentially lower costs, as they only pay the actual interchange fees for each transaction. However, it may require more effort from the merchant to understand and manage the various interchange rates and categories, and negotiate favorable pricing with the acquiring bank.

Assessment fees

Assessment fees are a type of fee charged by credit card processing companies for the use of credit card networks such as Visa, Mastercard, American Express, and Discover. These fees are also known as interchange fees or network fees, and they represent a significant portion of the cost of accepting credit card payments for businesses.

Assessment fees are charged as a percentage of the total transaction amount or as a fixed fee per transaction. The amount of the fee depends on several factors, including the type of card used (e.g., rewards cards tend to have higher fees), the processing method (e.g., swiped vs. keyed), and the industry in which the business operates.

One reason for the existence of assessment fees is that credit card networks invest heavily in technology and security measures to ensure that their networks are reliable and secure. The fees charged to merchants help to cover the costs associated with maintaining and improving these networks.

Another reason for the fees is that credit card processing companies compete for merchants’ business by offering various features and benefits, such as faster processing times, fraud detection, and chargeback management. These companies, in turn, pay assessment fees to the credit card networks to use their networks and offer these features to merchants.

While assessment fees are necessary for the functioning of the credit card industry, they can be a significant cost for merchants. Some businesses may pass on these fees to their customers in the form of a surcharge or convenience fee, while others may simply absorb the cost as a cost of doing business.

It’s important for merchants to understand the fees associated with credit card processing so that they can make informed decisions about which payment methods to accept and how to price their products or services. By shopping around and comparing pricing and features from different credit card processing companies, merchants may be able to find a solution that works best for their specific needs.

In conclusion, assessment fees are a necessary component of the credit card industry, as they help to cover the costs associated with maintaining and improving credit card networks. While these fees can be a significant cost for merchants, understanding and comparing pricing and features from different credit card processing companies can help businesses make informed decisions about how to accept payments and manage their costs.

Discount Rate:

The discount rate is a fee charged by credit card processing companies to merchants for the processing of credit card transactions. It is calculated as a percentage of the total transaction amount and varies based on several factors, such as the type of card used, the processing method, and the industry in which the business operates.

The discount rate is a crucial component of the credit card processing industry as it allows credit card processing companies to earn revenue for their services. The discount rate includes various fees, such as interchange fees, network fees, and processor fees, and covers the costs associated with processing the transaction, including fraud prevention, chargeback management, and other operational costs.

The discount rate can vary significantly based on the type of card used for the transaction. For example, rewards cards tend to have higher discount rates than standard credit cards because of the additional benefits and rewards that come with these cards. Similarly, business credit cards tend to have higher discount rates because they often come with higher credit limits and more extensive fraud protection features.

The processing method used can also affect the discount rate. For example, transactions that are processed online or over the phone tend to have higher discount rates than those processed in person because of the higher risk of fraud associated with these methods.

The industry in which the merchant operates can also impact the discount rate. High-risk industries such as travel and entertainment tend to have higher discount rates because of the higher risk of chargebacks and fraud associated with these industries.

While the discount rate is an essential component of credit card processing, it can be a significant cost for merchants. To reduce this cost, merchants may negotiate with their credit card processing company or explore alternative payment methods such as ACH transfers or eChecks.

In conclusion, the discount rate is a fee charged by credit card processing companies to merchants for the processing of credit card transactions. The rate varies based on several factors, including the type of card used, the processing method, and the industry in which the merchant operates. While the discount rate is a necessary cost for merchants to accept credit card payments, they can explore alternative payment methods or negotiate with their credit card processing company to reduce this cost.

How to Reduce Credit Card Processing Rates

Credit card processing fees can be a significant expense for businesses, especially for those with high volumes of credit card transactions. Fortunately, there are several strategies that businesses can use to reduce their credit card processing fees and save money. Here are some tips on how to reduce credit card processing fees:

  1. Shop around for a better deal: Credit card processing companies have different pricing structures and fee schedules. By shopping around and comparing pricing and features from different providers, businesses may be able to find a more affordable solution that meets their needs.

  2. Negotiate with your current provider: If you are happy with your current provider but feel that you are paying too much in fees, it may be possible to negotiate a better deal. Contact your provider and ask if they can offer you a lower discount rate or waive certain fees.

  3. Implement fraud prevention measures: Fraudulent transactions can result in chargebacks and other fees that can add up quickly. By implementing fraud prevention measures, such as address verification, card verification, and transaction monitoring, businesses can reduce their risk of fraud and save money on fees.

  4. Encourage customers to use debit cards: Debit cards typically have lower fees than credit cards, so businesses can save money on processing fees by encouraging customers to use their debit cards instead of credit cards.

  5. Set minimum transaction amounts: Some credit card processing companies charge a minimum fee per transaction, which can be costly for businesses processing small transactions. By setting a minimum transaction amount, businesses can reduce the number of small transactions they process and save money on fees.

  6. Use a payment gateway: Payment gateways, such as PayPal and Stripe, offer lower processing fees than traditional credit card processing companies. By using a payment gateway, businesses can save money on fees while still accepting credit card payments.

  7. Switch to an interchange plus pricing model: Interchange plus pricing is a transparent pricing model that separates interchange fees and processor markup. By switching to an interchange plus pricing model, businesses can see exactly what they are paying for and may be able to save money on fees.

  8. You can contact AH Brands team to look at your current rates and They can help you to save money.

In conclusion, credit card processing fees can be a significant expense for businesses, but there are several strategies that businesses can use to reduce their fees and save money. By shopping around, negotiating with providers, implementing fraud prevention measures, encouraging debit card use, setting minimum transaction amounts, using a payment gateway, and switching to an interchange plus pricing model, businesses can reduce their credit card processing fees and improve their bottom line.


Contact us for detail:

Tel: 209 297 3200

Email: info@ahprepaid.com

Wechat:A2095596108

Whats App: 209 890 8006

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