You've switched from processor to processor, each one promising lower rates, better service, or the latest technology.

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Every time, you entered the relationship believing this time would be different.

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Yet somehow, months or years later, you're asking the same questions.

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"Am I paying too much?"

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"Could someone else do better?"

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"How would I even know?"

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You've probably collected competing proposals, each claiming to offer a lower "rate." But unlike a mortgage, a car loan, or a certificate of deposit, there is no single rate that accurately describes the cost of accepting credit cards.

In payment processing, asking, "What's your rate?" is like asking someone's height in pounds.

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It simply isn't the right measurement.

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The real problem is that no one has ever taken the time to explain to you how payment processing actually works.

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No one explained to you why accepting business cards costs differently than accepting consumer cards.

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No one explained to you who gets paid, why they get paid, and which fees you can actually control.

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No one showed you to you how to reduce chargebacks before they happen.

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No one emphasized to you that protecting cardholder data isn't simply good business. It's an essential responsibility, with consequences comparable to driving without insurance.

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Instead, you've been handed statements that are either so complicated they're impossible to understand...or so simplified that they hide the very information you need.

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After years of frustration, it's easy to conclude that the devil you know is better than the devil you don't.

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But the real problem isn't your processor.

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It's the lack of knowledge.

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And without knowledge, trust becomes impossible.

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Enter SōBōNet.

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We believe merchants deserve something they've rarely been given:

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Understanding.

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We're on your side- not the processor's.

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Our job isn't simply to lower costs. It's to help you understand your payment ecosystem so you can make informed decisions about your business.

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Whether that means reducing expenses, strengthening data security, preventing chargebacks, improving customer payment options, or simply understanding where your money goes each month, we're here to help.

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You don't have to become an expert in payment processing.

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You simply need someone in your corner who already is.

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Our Process

Think of us as your Card-iologist.

(Yes...we went there.)

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Like any good physician, we don't begin by writing a prescription.

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We begin by asking questions.

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What brings you here today?

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Are you looking to lower costs?

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Improve security?

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Offer better payment options?

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Reduce chargebacks?

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Or maybe all of the above?

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Next, we'll learn about your current process.

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​How do you accept payments today?

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What's working?

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What's frustrating you?

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And perhaps most importantly...

How much do you actually want to know about payment processing?

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Some clients want every detail.

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Others simply want someone they trust to explain what matters.

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Either approach is perfectly fine.

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Then comes the part that's different.

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Most processors ask you to send them a statement so they can disappear for a few days, run an "analysis," and return with promises of lower rates.

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We don't.

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Instead, we'll review your statement together.

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Live.

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We'll put it up on the screen like an X-ray, explain every section, identify who gets paid, why they get paid, what can be controlled, and what cannot.

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You'll leave understanding your statement better than you ever have before.

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Only then do we diagnose.

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And only if we identify a genuine problem do we recommend a solution.

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Just like a physician, we write a prescription only after making a diagnosis.

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Whether you choose to follow that prescription is entirely your decision.

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The Goal Isn't to Earn Your Business Today.

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It's to earn your trust.

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We don't celebrate when someone signs with SōBōNet.

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We celebrate a month later...

...when you tell us we've delivered exactly what we promised.

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That your costs are under control.

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That your payment environment is more secure.

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That you finally understand what you've been paying for all these years.

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That's when we know we've earned your confidence.

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And then we work every month to earn it again.

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Because the best business relationships aren't built on promises.

 

They're built on trust.

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A month from now...

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A year from now...

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You'll be glad you asked one simple question:

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"How soon can we fix this?"