IMPULSE BUYING Credit cards give customers freedom to spend for previously unplanned merchandise.

LARGER VOLUMES Offering credit cards helps you achieve higher cash sales and extra orders.

MORE EXPENSIVE MERCHANDISE Credit cards intice customers to purchase more expensive merchandise than they had originally planned to buy.

COMPETITIVE WEAPON Credit card customers are often less conscious of slight price differences, and will seek out the business that offers credit rather than the discounter or wholesaler who does not extend credit.

ENHANCED ADVERTISING Since customers are more likely to shop at businesses where they have credit acceptance, they tend to look for and read these advertisements.

STEADIER SALES Credit smoothes out business peaks. Cash shoppers buy heavier only on paydays and just before holidays; credit customers buy whenever the need arises.

CUSTOMER LOYALTY Research shows customers who spend on credit tend to return to the same business where they spent before.

CREDIT CARDS ISSUED Of the 220 million Americans, 144 million have Visa, 93 million have MasterCard, 41 million have Discover and 25 million have American Express. 80% of all credit cards are Visa and MasterCard.

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A MERCHANT ACCOUNT IS KNOWN TO HELP INCREASE BUSINESS VOLUME AS MUCH AS 30-100%! THEREFORE YOUR PROFITS! 

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REASONS TO CHOOSE OUR MERCHANT ACCOUNT SERVICE

We are your single source for all non-cash transactions: Visa, MasterCard, Discover, Novus, American Express and Diners Club International.

We are your single source for equipment, service, and support

Toll free 24 hour Customer Service 7 days a week, including holidays

Free temporary replacement of equipment within 24 hours

Customer Service department speaks 17 different languages

Monthly itemized Merchant Statements

Electronic transfer of funds within 24 to 48 hours

Daily and Monthly totals

Every day you do business without electronic payment processing is a day you miss out on a significant business-building opportunity. So do not wait any longer to sign up for our service. We are here to put technology, expertise, and extraordinary service to work for you. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

COSTS INVOLVED WITH ACCEPTING CREDIT CARDS THOUGH OUR SERVICE ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ APPLICATION FEE--The fee paid to process the application is $95.00. JOY LANE PRODUCTS has made arrangements to waive this fee.

INSTALLATION & TRAINING--There is a normal $50.00 fee for this service. JOY LANE PRODUCTS has made arrangement to waive this fee.

EQUIPMENT WARRANTY--There is a normal $50.00 fee for the lifetime warranty on the equipment you select. JOY LANE PRODUCTS has made arrangements to waive this fee.

DISCOUNT RATE--The discount rate is paid to credit card company for the ability to accept their cards. 1.65% for swiped transactions; 2.50% for keyed transactions

TRANSACTION FEE--The transaction fee is paid for the toll free communication for electronic authorizations. 20 cents for swiped transactions; 30 cents for keyed transactions.

STATEMENT FEE--The statement pays for 24 hour customers service 7 days a week in 17 different languages. It allows us to maintain your account and provide you with an itemized statement every month. $10.00 monthly flat fee.

EQUIPMENT LEASE--The lease to own equipment ranges from $39.95 to $89.95 depending on the equipment of your choice. Lease runs for 48 months

FOUR PACKAGES TO CHOOSE FROM

Package ONE: P.O.S. terminal with manual imprinter Lease to own for $39.95 month This package consists of one electronic terminal with draft imprinter, to accept credit cards in person or by phone

Package TWO: PTC software, IBM or MAC available, Lease to own for $49.95 month This package is the most effective for mail and phone order businesses. It features a simplified and automated method of credit card processing. Perfect for the novice as well as the experienced IBM or MAC user

Package THREE: POS terminal with electronic printer, Lease to own for $59.95 month This package is the same as package one but with an electronic printer. A printer can be very useful to print transaction records for you for easier accounting and receipts for your customers

Package FOUR: Mobile system, Lease to own for only $89.95 month This package is the most effective for portable use and people on the go. It features the electronic terminal and printer in one unit, thus eliminating having to transport a manual imprinter and transaction receipts.

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ACT NOW! IF YOU RESPOND WITHIN 10 DAYS--WE WILL WAIVE $195.00 TO GET YOU STARTED IMMEDIATELY! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 

All you have to do to get started is fill in the Mini-application, fax it to (919) 266-5145 or e-mail it to Joylane311@juno.com.