Back Office merchant and charges a separate fee for processing charges. Contact your processor to ensure you are on an interchange-plus pricing model so you can clearly see if card brand fee reductions are truly being passed through to you as this reform intends. 4. Check the terms and conditions of your processing contract. Review your processing agreement to figure out how you can terminate your contract with your provider if you find you are not being credited with the full interchange rate reduction. 5. Evaluate your statement to help control other processing costs. Statements are often rife with hidden “junk” fees that offer you no added value and eat away at your bottom line. Take advantage of this opportunity when you’re evaluating your processing charges to better understand your statement and control your costs. One useful tool is CostofaBurger.com, an educational site that offers a fictional monthly statement to use as a tutorial when reviewing yours. You can also check out the resources available at MerchantBillofRights.org, the online home of a public advocacy initiative designed to enable merchants who don’t have the resources of large purchasing organizations to effectively manage their costs, determine which processor best meets their needs and realize significant savings. Interchange reform will surely be a boon to retailers like you, if you know the facts and how to navigate around potential pitfalls. Take the time to get swipe fee savvy and you’ll be well prepared to reap the financial benefits of reform that was designed to provide you relief. Robert Baldwin is president at Heartland Payment Systems, the fifth largest payments processor in the United States. Heartland delivers credit/debit/ prepaid card processing, gift marketing and loyalty programs, payroll, check management and related business solutions to more than 250,000 business locations nationwide. Heartland is the founding supporter of The Merchant Bill of Rights, a public advocacy initiative that educates merchants about fair credit and debit card processing practices. For more information, please visit HeartlandPaymentSystems.com and MerchantBillOfRights.org. Ad index 3M Thinsulate (www.thinsulate.com) 17 Agion (www.agion-tech.com) 11 ASF Group (www.asfgroup.com) 25 Balconi (www.balconigear.com) 30 Body Glide (www.bodyglide.com) 19 Cam Commerce (www.camcommerce.com) 13 Coast Cutlery (www.coastportland.com) 39 Cocoon by Design Salt (www.designsalt.com) 37 Coghlan’s (www.coghlans.com) 24 CORDURA (www.cordura.com) 3 Cre8 Group (www.Cre8groupinc.com) 45 Durapeg (www.durapeg.com) 37 Full Sail Int’l (www.thepiggybackrider.com) 35 Glacik (www.stonemansports.com) 43 Grip Pro (www.gripprotrainer.com) 34 ISPO (www.ispo.com) 23 Kahtoola (www.kahtoola.com) 35 Kiva Designs (www.kivadesigns.com) 21, 36 Mad Water (www.madwater.com) 41 Modern Postcard (www.modernpostcard.com/samples) 7, 34 Optimer (www.drirelease.com) 9 Outdoor Retailer (www.outdoorretailer.com) 27 Outlast (www.outlast.com) 47 Overboard (www.ROCgearWholesale.com) 43 Schoeller Textiles (www.schoeller-textiles.com) 21 SIA (www.siasnowshow.com) 33 Sorona (www.dupont.com/sorona) 15 SpareHand Systems/Stoneman Avenue (www.sparehandsystems.com) 41 Sterling Business Law (www.sterlingbusinesslaw.com) 29 SuperFabric (superfabric.com) 18 Teflon (www.teflon.com/fabricprotector) Back cover Yaktrax (www.yaktrax.com) 5 Zippo (www.zippo.com) 2, 36 FREE SUBSCRIPTIONS Subscriptions to INSIDE OUTDOOR magazine are free to those working in the outdoor products value chain. Simply go to www. insideoutdoor.com and click on the subscribe link. Fill out the form completely and you will start receiving the magazine within six weeks. PAID SUBSCRIPTIONS Professionals related to the industry but not within the qualification catagories may purchase a one-year subscription. Basic rate: U.S., $59; Canada, $99; foreign, $199. (U.S. funds only). Please call 480-503-0770 to place your order. ADDRESS CHANGES, RENEWALS and CANCELLATIONS Go to www.insideoutdoor.com and click on the subscribe link. For address changes and renewals, simply fill out the form, submit it and your subscription will automatically be renewed with your most current information. To cancel your subscription, go to the “Cancellations” header, click “here” and follow the instructions. CORRESPONDENCE Send letters to the editor via email to Martin Vilaboy at martin@ bekapublishing.com. All other correspondence should be directed to INSIDE OUTDOOR 745 N. Gilbert Rd., Ste. 124, PMB 303, Gilbert, AZ, 85234 PRESS RELEASES INSIDE OUTDOOR magazine welcomes press releases and any other information relating to the outdoor products value chain. Releases should be emailed to Martin Vilaboy at martin@bekapublishing.com REPRINTS For high-quality article reprints, minimum of 100 quantity, please contact the publisher at 480-503-0770. ADVERTISING For a media kit or information about advertising, call Berge Kaprelian at (480) 503-0770, berge@bekapublishing.com 46 | <strong>InsideOutdoor</strong> | <strong>Fall</strong> 2011
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