Merchantify - Credit Card + Payment Processing

Si tu empresa está vendiendo $1,000s o millones, tu proceso de cobro NO puede ser lento.

Muchas agencias multi-sucursal siguen cobrando con procesos manuales, llamadas, seguimientos y sistemas desconectados. Esto NO es lo moderno.

El resultado? pagos tardíos, tiempo desperdiciado y cash-flow afectado. Esta es la regla: si cobrar no es rápido y automático, estás perdiendo dinero, garantizado.

Ofrecemos un Audit Profesional Gratuito. Con este servicio tan espectacular no solo te negociamos el rate más bajo sino que con nuestro expertise de tecnología, te eliminamos la lentitud del pago y expandimos las formas de pago para que tus clientes te paguen al instante.

O sea, no solo te bajamos los costos — lo hacemos moderno, digital y rápido. Te ayudamos siempre. Envíanos un mesnsaje.

¿ENTONCES, CUÁNTO ESTÁS GASTANDO EN PROCESAMIENTO?

🔎 Es verdaderamente chocante pero son muchos los empresarios los que no SABEN cuánto pagan en fees de procesamiento de tarjetas de crédito. Osea, cuánto les cuesta aceptar tarjetas en su negocio? La gran mayoría no tiene ni idea.

Clover, FISERV, Banktech, Stripe? Entiendes esos estados de cuenta?

Es triste pero la gran mayoría de los estados de cuenta de procesamiento (merchant statements) están repletos de fees, cargos escondidos y “markups” que aparentan estar diseñados para que NADIE los entienda. ¿Sabías que ni siquiera muchos contables logran descifrarlas completamente?

📈 Y así pasan los años. Tenemos un cliente quien desperdició $350,000 en 6 años y ni siquiera el Controller de la corporación se dio cuenta!

Por eso decidí enfocarme en algo muy valioso. Un servicio de análisis gratuito, un audit, para ayudar a los empresarios a entender claramente lo que realmente están pagando para así poder reducirlo inmediatamente.

⭐️ En Merchantify Payments analizamos tus estados de cuenta de procesamiento profesional y gratuitamente, te analizamos tus costos verdaderos y te recomendamos la mejor manera de eliminarlos, ahorrándole a tu empresa $100s, $1,000s y $10,000s.

A esto nos dedicamos, especializándonos en empresas de alto volúmen. Aquí estoy a tu disposición para contestar cualquier pregunta. Envíame mensaje o llamame directamente. Aprovéchate de mi conocimiento.

— Alicia Suárez
Presidenta, Merchantify Payments
www.Merchantify.com

THE 15 MIN SWITCH THAT SAVED $79K

☎️ If you don’t believe me, I’ll give you their phone number.

1️⃣ A wedding venue came to me with a simple question:
“Do you think we could save anything?”

No panic.
No drama.
Just honest curiosity.

They were humble, open and genuinely unsure if there was any benefit at all.

So we evaluated their statements.
The truth was obvious.

I told them one simple thing:
“You do not need to absorb the credit card fee anymore.”

They flipped ONE switch.

It took 15 minutes.
It saved them $79,000 a year.

No dip in sales.
Not one complaint.

Business as usual, except now they could breathe.

2️⃣ A few weeks later, an engineering company tried the same thing.

The sales team was worried it might affect closing rates.
They expected pushback.

But guess what.
Sales were not affected at all.

They first saved $15,000 a year.
Then their sales doubled, literally doubled, and savings grew to over $32,000 a year.

Zero loss in revenue.
Zero pushback.
Zero negative impact.

This is the reality.
People expect fees now.
Most companies do not realize they are carrying a burden they never needed to carry.

💡 Sometimes financial transformation is not a massive project.
Sometimes it is a 15 minute switch.

And one by one, we are educating CFOs, CEOs and business owners and helping them keep their money where it belongs, in their business.

☎️ Let us help you too!

DON’T LET THE GRINCH STEAL YOUR DECEMBER REVENUE

🎄 December moves fast for service businesses. More calls, more invoices, more last-minute requests. It’s also the month when small errors in your payment flow quietly erode revenue.

Not because of your processor but because of HOW transactions are submitted.

Here are practical adjustments you can apply immediately if you run an automotive shop, med spa, consulting practice, home services business, wellness center, legal firm or accounting practice.

These are simple, fast and make a real difference.

1. Reduce keyed transactions
Keyed entries fall into higher-risk categories and increase fees.
Guide clients to:
• secure payment links
• emailed or texted invoices
• chip or tap in person
Clean, simple and less expensive.

2. Always enter AVS + CVV
For phone or virtual terminal payments, these two fields matter.
AVS and CVV lower fraud risk and help avoid downgrade categories that cost you more.

3. Write clear invoice descriptions
December is the month when people forget their charges. Vague invoices create disputes which drain time and money. Be specific about the service performed. It prevents unnecessary chargebacks.

4. Close your batches daily
Unclosed batches can trigger settlement delays which lead to additional fees.
Daily habit:
✔ confirm the batch closed
✔ reconcile the day
✔ check for duplicates
Five minutes that protect your deposits.

5. Automotive and repair: add detail
This industry sees a spike in disputes during the holidays.
List labor hours, parts replaced, diagnostic notes and dates.

Clear documentation strengthens your position instantly.

Bottom line
The “Grinch” in December isn’t the processor. It’s small workflow errors that add unnecessary cost. You don’t need to switch systems during the holidays.

You simply tighten the flow so your revenue stays intact.
If you want a quick review of your payment setup or need clarity on any fee, message me. I’ll walk you through it step by step.

We can help you with all of this at Merchantify Payments
Boutique. Concierge. Ethical. Fast
Payments done right.

🏢 EL FIN DEL MONOPOLIO EN PR

Por años, procesar tarjetas en Puerto Rico ha sido un monopolio. Operado como si fueran los únicos. Es que ERAN los únicos.

Rates inflados. Nadie nos contesta. Contratos imposibles de entender. Semanas para recibir servicio. Pero NO nos podíamos cambiar.

Las empresas puertorriqueñas se acostumbraron a no tener alternativas. ¿Cierto por cuantos años?

Pero no. Solo ha faltado competencia real y ética en esta industria. Faltaban las alternativas.

🟩 Se acabó.

Hemos traído lo que no existía.
✅ Negociaciones feroces por ti
✅ Tecnología de pagos ultra moderna
✅ Servicio concierge
✅ Atención el mismo día
✅ Contratos sin penalidades.

Trajimos a Puerto Rico lo que algunas compañías ofrecen con excelencia en Estados Unidos. ¿Y por qué no darle al empresario puertorriqueño la misma libertad, transparencia y cuidado que allá se da por hecho?

Vengo de empresarios serios.

🟩 Suárez Toy House transformó la isla con servicio ejemplar en los juguetes. Salvamos la Navidad! Mi hermano Frank Suárez al dia de hoy ofrece ayuda gratuita a más de 11 millones de personas, salvando vidas.

¿Por qué no dar esa misma calidad de servicio al empresario puertorriqueño en la industria de pagos?

Esa es mi misión! Por eso traje Merchantify Payments a Puerto Rico, para devolver respeto, justicia y tranquilidad a nuestras empresas. Después de más de 20 años en la industria de software tengo claro que la verdadera modernización no es solo ofrecerle a las empresas la capacidad de procesamiento, es ética y seguridad aplicada al negocio.

Puerto Rico ya tiene otro procesador de pagos.

💠 Bilingüe. Boutique. High-tech. El mismo día. Negociamos tus rates ferozmente para que jamás tengas que cambiarte.

El monopolio ya pasó a la historia. Tienes alternativas.

-Alicia Suárez
Presidente, Merchantify Payments
www.Merchantify.com

_____________________

THE END OF THE MONOPOLY

For years, credit card processing in Puerto Rico has been a monopoly. Run as if they were the only ones.

Inflated rates. No answers. Impossible contracts. Weeks to get service.

Puerto Rican businesses got used to thinking there was no alternative. But no. What’s been missing is real, ethical competition in this industry.

It's over.

We brought what didn’t exist. Ultra-modern payment technology, concierge-level service, fierce negotiations on your behalf, same-day attention. We brought what works with excellence in the United States.

Why not give Puerto Rican entrepreneurs the same freedom and care US businesses take for granted?

That’s my mission.

I come from serious entrepreneurs. Suárez Toy House transformed the island with toys. My brother Frank Suárez delivers free help to over 11 million followers.

That’s why I brought Merchantify Payments to PR to restore respect and justice to our businesses.

Puerto Rico has payment processing alternatives. Bilingual. Boutique. Same-day service. We negotiate your rates so you’ll never have to switch again.

🟩 Saludos! Si me conoces socialmente, por el legado de mi familia (Suárez), por los negocios o quizás eres uno de mis coleccionistas de arte, qué bueno que nos conocemos, y quería que supieras esto.

Desde hace año y medio, mi compañía Merchantify Payments ha estado ofreciendo servicios completos de pago y procesamiento de tarjetas de crédito a empresas y organizaciones puertorriqueñas.

🇵🇷 Esto es grande para la isla porque que se acabó el abuso de esta industria en nuestra isla! 🇵🇷

☑️ Tarifas ultraeconómicas, negociamos por tu empresa.
☑️ Servicio boutique bilingüe, el mismo día.
☑️ Tecnología de pagos moderna, NextGen.

Para todas la industrias, como sea que aceptes la tarjeta. Si eres CFO o propietario y aceptas pagos con tarjetas, somos para ti.

Contáctanos hoy para una evaluación gratuita.

🟩 Los NICE de la Industria de los Pagos!
(787) 945-2111
https://www.merchantify.com/

Atentamente,
Alicia Suárez Marroig

_________________

🟩 Hello! If you know me socially, because of my family’s legacy or maybe you’re one of my art collectors, I’m so glad we know each other, and I wanted you to know this.

For the past year and a half, my company Merchantify Payments has been offering full payment and credit card processing services to Puerto Rican companies and organizations.

🇵🇷 This is big for the island because that means the abuse in this industry in Puerto Rico ends here! 🇵🇷

☑️ Ultra-competitive rates, we negotiate on behalf of your business.
☑️ Same-day bilingual boutique service.
☑️ Modern, NextGen payment technology.

For every industry, no matter how you take cards.

If you’re a CFO or business owner and you accept credit card payments, we’re for you.

Contact us today for a free evaluation.

🟩 The NICE ones!
(787) 945-2111
https://www.merchantify.com/

Sincerely,
Alicia Suárez Marroig

💰 THE HIDDEN ECONOMICS OF CREDIT CARD PROCESSING 💰
(and why most businesses overpay without realizing it)

Most owners think their “rate” is what determines how much they pay. It isn’t.

The real story is that your total cost comes from three layers and understanding them gives you control most companies never have.

Let’s break them down for you 👇

1️⃣ INTERCHANGE — The Industry Cost Everyone Pays
Every processor from Stripe to your local bank pays a base cost to Visa, Mastercard, Amex or Discover. It’s called interchange and while you can’t negotiate it you can influence it.

When your transactions include billing ZIP codes, CVV or Level 2/3 data (common in B2B) they qualify for lower interchange categories.

In other words your setup determines how much you pay — not your volume or size.

2️⃣ PROCESSOR MARKUP — The Quiet Profit Zone

This is the layer no one explains clearly.

Processors add their own margin on top of interchange. Sometimes it’s reasonable. Other times it’s buried under confusing terminology that makes it impossible to track.

Small differences: a few tenths of a percent or an extra 5¢ per transaction, can easily add up to thousands per month.

That’s why transparency here is everything. If you can identify your markup you can negotiate or restructure it.

3️⃣ JUNK FEES — The Obvious Waste
Then there’s the clutter: “PCI compliance,” “batch,” “statement,” “regulatory,” “service,” even “optimization” fees.

These are not mandatory. They’re just revenue generators for processors — small line items that quietly become major overhead.

The good news: they’re the easiest to eliminate once you know what to look for.

They don’t just ask “What’s my rate?” — they ask “What makes up my rate?”

When you understand interchange, markup and fees, you see where every dollar goes — and which parts you can actually control.

That’s when real savings begin. Not because someone gave you a “deal,” but because you finally understand the system.

💚 At Merchantify Payments, we decode your statements, expose the junk fees, and help you keep more of what you earn.

www.merchantify.com

☎️ Call us today!