Dear Valued Merchant,

As a business owner, it's important to recognize the hidden fees associated with check processing, especially because these costs are typically overlooked – and can be costly to your bottom line. This issue outlines how to review your check processing system and what you can do to cut costs, gain efficiencies and improve your cash flow from deposit through collection.

You'll also be introduced to Heartland Gift Marketing – an innovative, easy-to-implement program that turns ordinary gift cards into marketing tools that can help you acquire and retain new business – as well as recognize and reward existing customers.

As always, if you have any questions about payments, industry news and best practices, call your relationship manager, account manager or your Heartland servicing team at 888.963.3600. Feel free to also email us at Heartland@e-hps.com.

Best regards,

Tony Capucille, Director of Check Management
Jeffrey Lipp, Executive Director, Loyalty

Heartland Payment Systems


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If you do, you may be paying hidden fees and don't even know it. When you receive checks as payment for your products and services, you expect to deposit the exact amount written on the check. Reality is, you're depositing less than you think. Between the fees you knowingly pay your bank and hidden expenses – the costs can really add up. Exactly how much profit you're losing depends on your knowledge of the various check processing costs... and what you do to control them.

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If you're looking for fresh, engaging ways to bring more business through your door, a strong gift marketing program could be your answer. Using innovative and proven techniquest, Heartland Gift Marketing can provide you with powerful gift marketing tools that increase sales, promote your business and expand your customer base.

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