Financial Reform Brings INTERCHANGE FREE Processing

 

ReCAPTURE 99% of your processing expense

In 2016, merchants paid over $88 billion to the card brands in credit and debit card fees.

May 2017 Nilson Report

ReCAPTURE your lost revenue and time

 

There are hundreds of reward cards offered in the marketplace with varying interchange rates. How much time do you lose a month reconciling your transactions and fees?

Technology that Works

Intuitive Credit Processing offers the latest technological solutions in the cash discount space that save you money.

ReCAPTURE Reclaims Your Business Interchange Free

Interchange Free Process

  • All current prices represent a 4% cash discount for customers who choose to pay with cash.
  • Electronic payments which will show the non-cash adjustment detail printed on your receipt reflecting the standard price.
Intuitive Obligation

  • Equips the Merchant with EMV/PCI compliant Cash Discount devices or software
  • Dashboard that provides daily and monthly transaction information
  • Onsite, Phone and Back Office Support
  • Provide Program Compliance
Merchant’s Advantage

  • *Our software reconciles DAILY to the merchant bank account
  • We save your accountant hours/days of time as they no longer have to reconcile hundreds of interchange fees
  • You no longer have to haggle with your merchant service provider over fees
  • Intuitive truly becomes a support for your business instead of your current system which is a necessary evil and expense black hole

WIN… WIN!

Win For Customers = Product or Service Discount
Win For Merchants = Paid 100% for their Product or Service

Intuitive has ReCAPTURED the profits of your products/services, increased your net income, offered your customers a discount, and freed your back-office employee to be utilized elsewhere. All accomplished in one simple process: INTERCHANGE FREE.
*Many other cash discount programs are a hassle to reconcile because of their confusing funding process. Intuitive is simple and will always tie back to your demand deposit account.

Why Did I Get Into Credit Card Processing Business?

 

In 2017, I was approached with a unique business opportunity. On the face of it, the concept was pretty simple, but it was inside the complicated world of credit card processing. As I dissected the payment industry, I found that not much had changed. You first rolled a carbon piece of paper over a card. Then you swiped, and now you dip. Throw in a hand full of mobile transactions, and in three short sentences, you have summed up the technological advancements inside the payment industry. Our goal is to start changing the status quo; thus, Intuitive Card Processing was born. Obviously, we do not offer traditional processing. We are here to put hard earned revenues back into the pocket of the people that earned it.

We Have You Covered

Need just one solution or do you need to expand your business to a new payment sector?

ReCAPTURE is a complete solution across all platforms

Terminal

PCI/EMV Compliant
Fast & Reliable
Gift Card

Virtual Terminals

EMV capable
Detailed Reporting
Process Anywhere
Level II & III Processing

eCommerce

Easy Integration
ACH Processing
Recurring

Mobile

Phones & Tablets
EMV Capable
User-Friendly
Process Anywhere

Tailored For Your Industry

Through ReCAPTURE, Intuitive offers a simple and merchant friendly cash discount payment program.

We have solutions for every industry.

Medical

  • Chiropractor
  • Dentist
  • Alternative/Holistic medicine
  • Vein Clinic
  • Cosmetic surgery
  • Dermatologist
  • Nursing Home

Retail

  • Liquor Stores
  • Consignment Stores
  • Antique Shops
  • Specialty stores
  • Jewelry Stores
  • Appliance Stores
  • Bakery
  • Book Stores
  • Ice Cream Parlor

Hospitality

  • Event Planner
  • Bed & Breakfast
  • Hotel/Motel
  • Coffee Shop
  • Arcades
  • Theme Parks
  • Restaurant/Bars

Professional Services

  • Lawyer
  • Accounting
  • Insurance Companies
  • Apartment Complex
  • Auto dealer/detail/repair
  • HVAC
  • Hair/Nail Salon
  • Churches

Health & Fitness

  • Health clubs
  • Day Spa’s
  • Yoga Studios
  • Gymnastics
  • Kid’s Camps
  • Recreational Adult/Youth Sports
  • YMCA

Other Services

  • Plumber
  • Landscaping
  • Massage
  • Daycare Center
  • Funeral Parlor

Merchant Processing On The GO!

NEW! Intuitive CP Anywhere App

ReCAPTURE Anywhere is our mobile processing solution built exclusively for cash discount.  Compatible with iOS and Android devices.

What did it cost you to process credit card payments last year?

ReCAPTURE saves you almost 100% of that amount. This savings goes straight to your NET INCOME as a possible double digit growth to your company.

Small Business Example – $1,000,000 in Revenue

20% profit margin = $200,000 in Net Profit
Total = $24,500 in processing fees

ReCAPTURE adds 12.25% to their BOTTOM LINE. What can ReCAPTURE do for your business?

What Does This Add To My Bottom Line

Find Out Now!

Frequently Asked Questions

How did the cash discount program evolve?
The ReCAPTURE Cash Discount program was developed using the legal and regulatory authority provided under the Durbin Amendment. The Durbin Amendment is Section 920 in the Dodd-Frank Wall Street Reform and Consumer Act, which is part of the broader Financial Regulation Reform and Consumer Act passed by the Senate in May 2010. Over the next few years, the card brands added the verbiage to their contractual agreements bringing them into compliance with the new federal mandates.

Thus, this program by federal law and card brand rules allows you, the merchant, to steer your customers to use cash instead of a card by offering a discount for goods or services offered.

How does the cash discount program work?

Obviously, this is the most common question that we receive.  The program is very simple.  The merchant is able to incentivize their customers to use cash by offering their products or services at a discount (around 4%).  Understanding that electronic payments are convenient and a go to source for payment, our merchants have the ability to accept card payments of all types.  These payments will show a non-cash adjustment percentage that will be detailed on your receipt reflecting the regular price of a merchants good or service.  In other words, the merchant will have a discounted cash price and a regular price for all other transactions.

What if I sign up and find that ReCAPTURE just doesn’t work for me?
We have created a very easy solution for this. When you sign up for ReCAPTURE, we record the discount rates that you are currently paying. If you decide this program is not for your business, we will facilitate the revision back to paying your old rates. This process can be done overnight. The only thing we can not guarantee is the interchange rate. Of course, Visa and Mastercard set those rates.

What are the rules for implementing the ReCAPTURE program?

Currently, there are very few rules when it pertains to cash discounting.    First, there must be an immediate discount off of the regular price.  Secondly, there must be posted information explaining to the customer which clearly states the cash discount offer.  Intuitive will supply the signage, which will be posted both at the entrance to the business and at the point of sale, necessary to be compliant while participating in the program.  Thirdly, the customers must be informed of the reasonable estimated or actual costs incurred by the merchant.  We accomplish this compliance through a detailed printed receipt.  Intuitive desires to be proactive where we can in following card brand core rules.

How does this benefit the merchant?
ReCAPTURE lost revenue

  • Simple reconciliation back to your merchant bank account
  • Your back office no longer has to verify hundreds of differing interchange fees
  • PCI/EMV compliant
  • 24 to 48 hour funding

Can I use my existing equipment?
The answer to this is truly maybe. We can currently reprogram many of the Ingenico or Dejavoo terminals. This is just going to be on a case by case basis. As stated above, whether we reprogram or supply new equipment, you will have the software necessary to run ReCAPTURE and be PCI compliant.

ReCAPTURE Is a Risk Free Solution. Why Wouldn't You Give It A Shot?

ReCAPTURE What Is Rightfully Yours

High-rate rewards cards are costing merchants a fortune. Start saving by virtually eliminating those fees and rewarding your cash paying customers.