The American Non Profit Merchant Union
Developed By The American Merchant For The American Merchant.
We are the first ones to admit we are not large enough yet to have a
impact on the way the credit card companies treat the average
American Merchant (business). That is why we need your support.
Together we can push back. We are a non-profit organization that
believes that just because a customer calls their credit card
company stating that they want there money back, even a year after
their purchase, and without even returning the product they
purchased, should that customer simply be given their money back.
Yet the credit card companies do give it back to them that easy and
that quickly. If you are the merchant, (the company the customer bought
from) then the money is removed right out of your account without notice.
Again, that quick, that easy. Now in many cases, if you the
merchant, and want to contest the charge back; the credit card companies
are now charging you, the merchant, a huge fee of up to $500. dollar’s
or more just to contest or present their side of the story. Fact: in
some cases the credit card companies just facilitated fraud,
allowing the customer to steal from you. Help give us the strength
we need to fight back by joining the Non Profit American Merchants
Union and show that we are not the only ones that believe that the
credit card companies" policies toward the average American merchant
are out of hand. There is never any charge for becoming and
remaining a member. of the American Merchants Union. We are a Non Profit Organization. This
organization is not about making money, it is about protecting the
American Dream (The Small Business) and the people that run small
businesses. We need to be able to push back. When you join the
American Merchant Union, you will receive a wall certificate and a
"Letter
Of Notice" notifying your credit card company that you are a proud
member of the American Merchant Union. We have found, that just by
your credit card company learning you are a member, that they are
less likely to treat you as if you have no rights.
The Credit Card Companies Visa, Master Card, Discover and American
Express have become larger than the US Government itself. They
Write their own policies and follow their own laws.
Are You Tired Of Being Abused.?
Are You Tired Of Unjustified Chargeback's.?
Are You Tired Of Fees Just To Contest A Chargeback.?
Credit Card Companies Have All The Power
The power to freeze all of your recent merchant activity and more.
For example, your company grosses $50,000 in sales for one week. You
then discover that your credit card company or merchant company did
not deposit any of these funds into your account; instead they have
chosen to hold or freeze these funds for a minimum of six months.
Well, here is the trick, there could be several reasons they
have chosen to do this. However, they don't have to have any reason at
all. They can simply say that they feel something is going on with
your company. For example, you decide to cut back on your advertising
and your overall sales go down slightly; Your merchant company has
the power to simply take these funds hold them for a minimum of six
months and say it is because they are concerned your company is in
trouble, because your sales went down. Now if your company wasn't in
trouble it is now.! You now have $50,000. in orders you have to fill
and you do not have the money to fill them. Oh, by the way, the credit
card companies will not return these funds to
the customer either. That's right they did not give you the funds
and they refuse to give it back to the customer or card holders. Now
you are expected to fill these orders regardless. What happens if
you do not have the $50,000. to cover these sales? The customer
feels you have taken their money, although you never actually
received it
because the credit card company took it and again they will not give
it back to the customer. So what happens now. A lot of damage to
your company's image, your personal reputation, in addition to the
damage, to morale of your company employees. Hard to believe I know,
however, thousands and thousands of American companies have been put
out of business from this action by the credit card companies. The
American Merchant Union was just founded in 2011 however, we were
able to confirm that over the past twelve months there has been over
54,000. companies put out of business from the direct actions of the
credit card companies. It gets even worse, much worse. What if your
company carried an average bank balance of say $250,000.00?. And one morning you woke up to find out not only did the credit card
company freeze the $50,000., in gross sales for that week, in
addition they also went into your business account and withdrew
every penny, that’s right you have a zero bank balance! If you had any check pending, even payroll checks, they are going to
bounce. I know your thinking they can not do that.. (You're wrong. They
Can, They Have and They Do.) Now, not only do you have to somehow
come up with the $50,000. to fulfill the orders from the prior
weeks' sales, in addition you have now have no way to pay your employees
or suppliers. It gets even worse, when those customers do not get the
product you charged their credit card for (and remember the credit
card companies refuse to refund the customers their money) You can be
criminally prosecuted. The circumstances I have described above has
happened time and time again to American business owners, putting
thousands of businesses "OUT OF BUSINESS". By the way, when the credit
card company took all the gross sales and go into your bank account
and take out all of the money, they have the right to hold it for
a minimum of six months without paying you any interest or fees and if
one of your previous customers processes a chargeback (say one that
did not get their product because the credit card company took the
money) then the credit card company gets to start the six month hold
all over again from that date forward potentially allowing them to
hold the money interest free for years. Meanwhile you and your
business have been destroyed. Hard to believe this could happen,
however, it
is happening every single day to American Businesses. We need your
help to fight back.
Becoming a member of the American Merchant Union is free. There is
no charge for becoming a AMU member, however the American Merchant
Union is a non profit organization that was just founded in 2011. Therefore we are asking for donations of $9. Again this donation is
not required as your membership is free. Yet we sure could use your
support. Donating members will receive a framed wall certificate so
they may proudly display their certificate of membership as well as
our dos and don'ts booklet on how to defend your company. The
American Merchant Union does not accept any donations larger then
what is offered above as our cause is not about making money, it is
about protecting the small American business as well as the men &
women that run these companies.
By becoming apart of the American Merchant Union
you are doing five
things:
1) Helping To Protect The Average American Small Business.
2) Empowering and protecting your own business.
3) Automatically receiving assistance in the event your business is
attacked.
4) Receive guidance and even assistance in responding to
chargeback's.
5) Receive advise on the best steps to protect yourself and your business from
an attack
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