Total Merchant Concepts

08/31/2026

That processing statement in your inbox does not have to feel like a puzzle.

You do not need to know every industry term to spot what matters. Start with one number. Take your total monthly fees and divide them by your total card sales. That is your effective rate.

Watch it month to month. If it climbs, it is worth a closer look.

Our new blog breaks down what else to check on your statement.

Try the rate calculator: https://gettmc.com/rate-calculator/

Read more: https://gettmc.com/tmc-blog/what-is-your-processing-statement-really-telling-you/

08/27/2026

Congratulations Howard! BOOK LAUNCH INFO COMING SOON!!

I work with companies and organizations from coast to coast. I lear...

08/27/2026

Congrats Howard Partridge!! BOOK LAUNCH COMING SOON!
https://www.facebook.com/share/r/19omPPtGZE/?mibextid=wwXIfr

08/27/2026

What happens when your payment terminal stops working in the middle of a rush? 😬

That is one of the questions we hear most.

With TMC, you call a real person. Someone who can look at your account, understand what you are working with, and help your team troubleshoot while customers are still waiting.

Because the support behind your terminal matters just as much as the terminal itself.

Have questions? We are here to help. 💙

https://gettmc.com/contact-us/

08/26/2026

Sometimes the best checkout is the one that comes to your customer.

The **Clover Flex** lets your team take payments beyond the counter, whether that means bringing the device to a table, helping a customer somewhere else in the store, or simply keeping checkout moving when things get busy.

Less back-and-forth. More flexibility. A smoother experience for your customer.

If being tied to one checkout spot is slowing your business down, Clover Flex may be worth a look.

See the Clover Flex here:
https://gettmc.com/services-solutions/credit-card-processing/clover-processing-solutions/clover-flex/

08/25/2026

A shop owner asked us to take a look at his processing statement.

He knew something felt off, but he could not quite put his finger on it.

When we reviewed it with him, we found a monthly fee for a terminal feature he had never used. No one had ever explained what it was or why he was paying for it.

We showed him the line item. He made the call, kept the terminal, dropped the unnecessary fee, and put that money somewhere better.

Sometimes, a second set of eyes is all it takes.

You do not have to figure out your processing statement alone.

**Ask us for a second opinion.** 👀
https://gettmc.com/rate-calculator/

08/24/2026

A customer comes in for an oil change and leaves with a repair bill they did not expect.

That moment is stressful enough. How they pay should not add to it.

Some shops handle every payment at the front counter. Others need to bring the device out to the bay, the lot, or the customer. Both can work. The setup just has to match how your shop runs.

Our new blog looks at payment options built for automotive businesses.

Have questions? We are here to help.

https://gettmc.com/tmc-blog/built-for-the-bay-payment-solutions-for-automotive-businesses/

08/21/2026

**A few seconds at checkout can add up faster than you think.** ⏱️

When business gets busy, a slow payment terminal can turn a short line into a frustrating wait for both your customers and your team.

And sometimes, the problem isn’t your staff. It’s the equipment they’re working with.

Today’s countertop terminals are designed to connect quickly, read cards efficiently, and help keep checkout moving.

If your terminal feels a little slower than it used to, it may be worth taking a closer look.

We’re happy to help you explore your options. 😊

👉 https://gettmc.com/services-solutions/credit-card-processing/terminal-solutions/

08/20/2026

Some counters need a workhorse, not a gadget. 💳

The **PAX A920** makes accepting payments simple. Chip, swipe, or tap, all from one easy-to-use terminal. It connects through Wi-Fi or 4G, has a built-in receipt printer, and gives your team a simple checkout experience without overcomplicating things.

If your current terminal is slow, outdated, or your staff quietly avoids using it, that may be a sign it’s time for something better.

Take a look at the PAX A920 and see if it’s the right fit for your business. 😊

👉 https://gettmc.com/services-solutions/credit-card-processing/terminal-solutions/pax-a920-2/

08/19/2026

When was the last time someone read your processing statement with you?

Not to sell you anything. Just to explain it.

Rates shift. Fees get added. It is easy to miss.

Send us a recent statement and we will show you what you are actually paying, line by line. If everything looks fair, we will tell you that too.

Ask us for a second opinion. https://gettmc.com/contact-us/