Credit Card Processing
We offer a comprehensive line of payment solutions for all types of businesses. We guarantee competitive pricing, because we provide our merchants with access to “Interchange Plus” Pricing.
An interchange plus (I/C+) pricing structure may sound intimidating, but it’s actually much more transparent and less expensive than tiered accounts. On an I/C+ pricing structure, the merchant pays the exact interchange fee in addition to a flat markup to their merchant service provider. This eliminates inconsistent buckets and overpaying for inflated tiers. Unlike tiered accounts that can have several different rate categories, I/C+ accounts only have two rates: the interchange markup percentage and a transaction fee.
For example, a business with an I/C+ merchant account with a rate of 0.35% and an authorization fee of $0.25 would pay the wholesale processing rate for every transaction plus 0.35% and $0.25 per transaction. The percentage part of I/C+ pricing is referred to as basis points. A basis point is equal to 1/100th of a percent.
Until recently, I/C+ pricing was only available to businesses that processed high volumes of credit card sales each month — usually $25,000 or more. Increased competition in the industry has begun to make I/C+ pricing available to low volume and even new businesses. Vesity Financial, Inc offers I/C+ and flat rate pricing quotes, even to new businesses with no prior processing history.
We’re partnered with three of the most respected merchant service providers in the nation, Capital Bankcard, Total Merchant Services and North American Bancard. Let us provide you with a detailed quote and cost-comparison simply by evaluating a copy of your current processing invoice.
After we received notification from our health insurance company that they were cancelling our existing group plan due to the ACA, Chris helped us navigate toward the best plan for our employees. We r… Read more
Chris was a great help, and setup a retirement plan specific to our unique needs.”
Chris set up a retirement plan that met our company’s unique requirements”
Chris did an amazing job helping my company setup a retirement plan that was very specific to our company and our industry. We have been very pleased with the results and the level of service Chris pr… Read more
When Gregg and Chris first met with us, they took the time to listen to our needs, to understand our family situation and what we hoped to do in terms of our financial future. They then came back with… Read more
We are very grateful to Chris for the assistance he provided during the process of securing a group health insurance policy. Chris was thorough and competent in answering all of the questions we had … Read more
I cannot thank you enough for your quick response and site visit. Our Site Manager called today to thank me, and let me know what a great service you provided, and what a great person you are. I just … Read more
I had experienced several public financial seminars through the years, but when I attended the Fortress seminar, I instinctively decided to pursue Chris & Gregg’s services over others, and I’m glad I … Read more
Through Chris Nesbitt’s committed leadership, Vesity Financial Inc has brought both excellent service and exciting opportunities to the Gilson Daub portfolio. Chris’ attentive ear and innovative i… Read more
I have known Chris Nesbitt for over 15 years. He is a man of integrity, with whom I would entrust any of my worldly possessions, including my life savings. He has provided expert advice regarding m… Read more
Chris was diligent in finding us just the right plan to fit our needs and our business. And we found a great relationship in him as well. Thanks Chris!”
Chris Nesbitt is the best. I have worked with several financial consultants over my 30 years as an attorney and as an investor. Chris explained the available options, answered our questions and found … Read more
After attending one of their social security workshops, I met with Chris and Gregg to discuss my retirement plan. They provided helpful advice about social security, and showed me creative ways to fil… Read more
Chris provided an amazing way for my artists to save money and reduce costs. Chris has taken each individual artist and customized a plan according to their specific needs.”
After attending one of the social Security workshops we met Gregg and Chris to discuss our retirement and 401k plan. They were very patient and took the time to listen to us and answer all our questio… Read more