There is One Simple, Powerful Thing You Can Do to
Reduce Your Monthly Credit Card Processing Surcharges

It doesn't involve changing software, changing processors or changing banks. You don't even have to change your billing policies.

The only thing you have to do is make sure you have the accurate billing address for all of your clients - and ServiceCEO will take care of the rest for you!

It has become clear that many ServiceCEO users are paying significant surcharges and fees each month to cover non-qualified, mid-qualified and non-market data, EIRF, and other processing categories. Those terms are "industries speak", and they all come to one simple error - not having the correct address and zip code for a client's credit card account.

How can you fix this? You can ask them for the correct info and then use it!

Here what you'll do going forward:

New Clients

When signing them up and collecting their credit card number, be sure to ask them specifically if their credit card billing address for the card they give you is the same as their account's primary address.

If it is - say thank you and you're done!
If it isn't - collect the proper billing address and add it to their account as the billing address (to be explained later).

After completion of their first job/billable event, follow the process outlined for existing clients.

Existing Clients

Finish your completions and process your credit cards from the To Do section in ServiceCEO every day (just as you always do).

After processing your credit card transactions, open X-Charge and run a report with the transaction detail for the day.

Print and review this report, focusing specifically on the AVS column .

Review this sample document and focus on all line items that have a code other than 'Y' in the AVS column.

Review this sample document and use the result code key to determine what the specific error was for each transaction with an AVS result other than 'Y'.

Make a notation on your report for each non-Y transaction. Note what needs to be updated in your records: Zip Code, Address or Zip Code and Address.

Take your transaction report and cross reference it with your completions for that day. For each transaction with a non-Y AVS code find the client's name and make a note on the report next to the transaction. Now, for each non-Y transaction, you know what data was incorrect and who the client was - making it easy to update your records.

All you have to do now is call the client, indicate primary address that the (likely their service address) does not match their billing address . Ask them to please provide the proper billing address for their credit card on file.

Update the client's record - with the correct billing address - as follows:

Open the customer record and you will notice that the gray bar above the street address states Primary, indicating that the displayed address is the primary address :

Next, click on Edit Address and in the Address Information window look to see if the Primary and Bill To address boxes are both checked off:

Click Cancel and close the Information window.
On the Customer Record, click on the New Address button.
A blank Information Window opens:

This is where the updated information you received from the client is needed. In the blank Information Window fill in the clients billing address (the address that matched the credit card on file), and select the Zone in which they get serviced (this may be different than the billing address).

Give the address a name ( Billing is recommended):

Now click in the checkbox next to Bill To:

In the confirmation box asking if your want to mark this address as the Bill To address, click Yes.

Click OK at the top right of the Address Information window.

To confirm that the billing address is entered, go to the grey bar above the address in the client record and click on the arrow - this will expose Primary Billing and , click on Billing :

The address displayed in the record should be the updated Bill To address:

Click Save and Close at the top of the record.

At this point, you've successfully updated the client information with the correct billing address. If this address and zip code match those on record with the credit card provider, the next time you process the client's card, the X-Charge report will come back with a 'y' in the AVS field - and you will be paying less to process that client's card!