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TRI’s Manager of Operations, Wicker Morenus, has been enjoying cooking for the guests and staff of the Ronald McDonald House in Burlington, VT for his TRI volunteer week. Wicker says, “Everyone can use a good meal, and this is a great way to help out”. "It is a good policy offered by TRI to allow employees paid time to do good works for the community”. The Ronald McDonald House matches volunteers skills and interests with their varied needs, so they make the most of volunteers’ talents and experience. Volunteers may help monitor and staff the House and Family Room; prepare meals; assist in fundraising and special events; or run needed errands. In Wicker's case, he was needed in the kitchen - and no reports of any complaints about his cooking have reached the ears of TRI staff!

You've likely heard the name, the Ronald McDonald House, but are you aware of the services they provide? Ronald McDonald House Charities of Burlington, Vermont is a "home away from home" for families with seriously ill children seeking treatment at Vermont Children's Hospital at Fletcher Allen Health Care. Their aim is to be a refuge "for families experiencing the stress and anguish of their loved one's illness". "Whether for a short stay, or for weeks at a time, we provide families with the comforts of home as well as the support of our dedicated staff and volunteers." The Vermont Chapter's history is steeped in volunteering and donations from many individuals and organizations in their community, including plumbing and electricity support, website work, food donations; anything that would outfit a clean, safe and welcoming "home".


Ronald MacDonald House

If you are inspired to lend a hand, check out a Ronald MacDonald House in your area. To discover one local to you please visit and click on "Chapter Search". Read more about the VT House link in their blog.

David-Frick-in-Haiti-photo-1David Frick, TRI's President, enjoyed his annual trek to Haiti to help with building construction in a program that functions very similarly to Habitat for Humanity. The Fuller Center for Housing partners with Grace International (Haiti) for local Haitian support of the Lambi Village land use projects. David can't rave enough about how uplifting this volunteer experience is for him and his companions, consisting of a group from the Main Street Congregational Church in Amesbury, MA and some friends.

Local Haitian contractors normally perform the professional level construction work, including masonry and framing, while volunteers like David gladly assume the tasks that require minimal or no training. For example, David refers to the "Bucket Brigade" with a grin. Participants carry buckets of cement down through a line of volunteers to fill the house's foundation form (fortified with rebar). Though dusty and tiring, David's account of the trip resounds with enthusiasm. It's an exhilarating experience to witness the homes being built through this team effort - and Haitian hospitality! The houses completed with this program now number in the dozens.



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Back in July we hadn't considered that there might be a Visa MasterCard Settlement Explained (2)


perplexed-judgeIn July of 2013 we provided an overview of the Visa and MasterCard litigation with merchants who accept their cards, and the subsequent settlement, one which might have ended the over 10-year disagreement between the parties. It didn’t.


We’ve returned to share some of the highlights of the progress made in recent months, and perhaps offer hope of an outcome that will fairly serve the interests of our merchants of all sizes as they await possible news of a more reasonable and predictable fee basis.


The settlement's final approval was granted on December 13, 2013. In addition to a more precise breakdown of a monetary remuneration, the 55-page ruling offered merchants the following:


"The settlement agreement provides for two cash funds totaling approximately $7.25 billion... to be distributed to merchants after reduction for opt-outs and the payment of fees and expenses. It also provides for certain prospective relief – notably the right of merchants to apply surcharges to recoup interchange fees. Other provisions included a requirement that Visa and MasterCard negotiate interchange fees with merchant buying groups and that they permit merchants to decide whether to accept or not accept cards separately for each business owned by the merchant, provided that the businesses are operated under different trade names." [reference]

Back in July, we offered reason to be skeptical that the topic had taken its last breath in major news media, and asking the question, "Why are Visa and MasterCard continuing their trek in the limelight after so many years?" Doubts now confirmed: some of the largest retailers are ramping up to squash what is viewed as detrimental to their ability to conduct business fairly.


Nearly 30-big-name retailers have banded together to file a joint lawsuit against MasterCard and Visa claiming the card companies colluded with banks to fix credit card swipe fees. They claim that they have unreasonably restricted competition. The recent settlement allows credit card companies to "artificially inflate interchange fees from each plaintiff."..."Aside from seeking reimbursement, the suit also has a goal of eliminating the targeted restraints that Visa and MasterCard imposed on retailers barring them from charging different prices based on the costs imposed by Visa and MasterCard." [reference


To better assure their success against Visa and MasterCard this time, many merchants are opting out of the multi-billion dollar settlement as proposed (thereby discouraging limits on future lawsuits against Visa and MasterCard). But Visa took immediate steps to secure the provisions they fought years to earn. After Home Depot opted out of the settlement last month, Visa Inc. sued them, seeking to bar the hardware store chain from filing its own antitrust suit over the alleged plot to fix credit-card swipe fees.


The new suits suggest an additional long future of challenged relations between Visa, Master Card and merchants everywhere  - and more headlines along the way.


What do merchants require of Visa and MasterCard to optimize their business development? What should they do?


If you have an interest in the recent settlement's details and access to documents, please go to the official page that outlines the legal terms, paymentcardsettlement.com. For information about ongoing litigation and outcomes, there are many reputable research resources. Among others, you might review those organizations that represent large retail merchants, normally beholden to support their interests. Understanding the credit card companys' positions is also helpful.


In no way, does Transaction Resources, Inc. encourage or discourage participation in legal action. The article is for information purposes only.


*To read more of the July article, including the final approval of the settlement mentioned at that time, click here.

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With PAYware Mobile’s secure card reader, merchants can swipe a credit card and capture a signature and email receipts with security and reliability. 


The Simplicity and Flexibility Merchants Want in A Mobile Payment Device: PAYware Mobile. Easily and conveniently, it accepts credit cards and signature-based debit card transactions.


Process credit cards on your Google device or iPhone today! Turn your iPhone 3G®, iPhone 3GS®, iPhone 4G®, iPhone 4S® and iPhone 5® into a mobile credit card processing machine. It’s just like adding another terminal in your store or restaurant. The iPhone connects neatly into the VeriFone encrypted card reader. Card swiping is quick and efficient. Customer receipts are sent via email.


• Simply insert card reader into an audio jack
• Works in conjunction with PAYware Connect, Verifone’s hosted gateway service. It offers real-time reporting with extensive transaction detail and search capabilities
• Perfect for today’s popular smart devices; compatible with iPhone, iPad, Android products and Blackberry
• Identifies transaction location with transaction geo-tagging to help resolve disputes and analyze sales trends


PAYware Mobile sleeveThe Security Businesses Demand


• Fully encrypted card reader ensures credit card numbers are never passed through the device
• Secures customer data and significantly reduces liability risks for merchants
• Allows account administrators to activate, manage and even deactivate gateway access of devices that are lost or stolen
• Designed to meet PA-DSS requirements for application security


The Cost Efficiencies Merchants Need


• Saves time and reduces transaction fees with swiped, card present transactions
• Eliminates manual entry errors and reduces deposit slips and printed receipts
• Enables merchants to efficiently manage their business with extensive reporting via the gateway portal, including transaction detail, post-settlement and transaction search
• The only mobile payment application that draws upon the extensive and experience of Verifone.


Optimize every sales opportunity. Call your TRI sales representative or email us today to get set-up and begin mobile processing!