Ty Hardison
  • Male
  • Atlanta, Ga
  • United States
  • Vantage Card Services, Inc.
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Ty Hardison's Discussions

New York Restaurant Loses Its Appetite for Cash
6 Replies

Started this discussion. Last reply by Peter Andromalos Oct 29, 2009.


Ty Hardison's Page

Profile Information

Business Development
Vantage Card Services, Inc.
Personal Quote
Ideas are one thing; Execution is everything.
Read my Linkedin Profile.
Years in the Industry
Payment Services since 1989

Helping Restaurnats Get Paid

I've been working with restaurants to provide payment services since 1989 (back then, if you can remember, most restaurants were making manual imprints of credit cards and depositing sales draft slips with a teller).

A lot has changed and while the technology has made things more efficient at the point of sale, it has also created new challenges (think data security compromises and different Interchange rates for every card type).

With little barrier to entry, just about everyone can represent that they provide merchant services (oh, and can lower your rate). Unfortunately for us all, most don't have much experience or training. The complexity of the payments industry is packaged in the simple form of a "rate as low as".

If you've been caught up in chasing the elusive better deal, I've posted an article on Work.com titled a "Guide to Merchant Rates, Shopping Merchant Account Rate Quotes" that may be of interest to you.

I also operate various web properties for my company, Vantage Card Services. VantageCard.com provides educational resources and information on the credit and debit card processing industry as well as payment technology, gift card and payroll card services for restaurants. MerchantRates.com is calculator application that delivers an instant proposal and Interchange rate quote for MasterCard, Visa and Discover. myRealRate.com is a rich internet application that can help you calculate what you are really paying for merchant services and then benchmarks your cost against other restaurants of similar size.

I look forward to contributing, attempting to add value and making myself available as a resource to the FohBoh community.


Ty Hardison


(800) 397-2380 x14

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Ty Hardison's Blog

The average restaurateur has no idea exactly what they are paying

The National Restaurant Association opposes the current swipe fee settlement saying "The current payments system is so convoluted, the average restaurateur has no idea exactly what they are paying and why they are paying large amounts to accept credit and debit cards, which are necessary in today's marketplace." 

While the NRA and card companies fight it out with lobbyist and attorneys, one thing the average restaurateur can do right now is calculate and compare their cost to accept…


Posted on September 27, 2012 at 12:49pm

More Choose Restaurants with Loyalty Rewards

According to the National Restaurant Association’s Restaurant Industry Forecast, 57% of adult consumers are more likely to choose restaurants that offer a loyalty rewards program.

Now restaurants can easily turn their customer's existing credit and debit cards into your loyalty card, gift card or coupon.  

A new service from vPromos will help you engage new customers with offers and nurture your loyal customers with rewards. vPromo helps you harness the power of social media,…


Posted on September 27, 2012 at 12:15pm

What is your Real Rate for card acceptance?

Information is more readily available today than at any time in the past. Yet making smart decisions based on that information is not always easy. One problem is separating the useful information from the hype.

For example, what are the average monthly credit card merchant fees in the restaurant industry?  Are your merchant card processing fees above average or below average?

At myrealrate.com you will find valuable information on the cost of accepting card payments using free…


Posted on August 22, 2012 at 7:37am — 1 Comment

New Visa & MasterCard Fees Announced for April 2012

A significant number of Acquirer Pass Through fees and Interchange modifications have been announced that will impact restaurants.

Visa will initiate a new pass through Fixed Acquirer Network Fee (FANF) on a merchant Taxpayer ID basis (TIN) beginning April 1, 2012. The rate assessed to each Taxpayer ID will be determined based on channel and MCC with quarterly collection by Visa beginning in July 2012 for the previous calendar quarter.

For merchants primarily operating as Fast…


Posted on February 23, 2012 at 6:30am

Interchange pricing is the key to merchant savings on Fed regulated debit card transactions

Have you noticed the media blitz over what’s being referred to as ‘Durbin Dollars’, the savings from lower Fed regulated debit Interchange rates?   Of course the best way for merchants to realize the benefits of this legislation is to have an Interchange pass through pricing plan. 

Your card processor is not required to pass the reduced rates for the Fed regulated debit transactions (and the associated savings) on to your business.  Therefore it is very important that merchants have a…


Posted on October 7, 2011 at 12:30pm

Comment Wall (5 comments)

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At 7:46am on June 3, 2009, Tammy Monroe said…
Hi Ty. You can email me at tammy.monroe@gyrohsr.com. Thanks,
At 7:35am on May 31, 2009, Dani said…
Hi there -
I don't believe so - if you have more info, email me at marketing@centralrestaurant.com
At 1:26pm on January 19, 2008, Carl Muth said…
Ty, I sent you a "Friend Request" and you haven't accepted. What's Up?
At 6:15pm on January 15, 2008, Holly D. Elmore said…
Hi there! I think this is going to be fun and great for business once it gets built up. Over the next weeks I am going to encourage restaurateurs to join so it can serve its purpose.

We are still working on those website passwords ~ you will be the first I contact when we get this glitch worked out.

Have fun!
At 6:12pm on January 15, 2008, Ty Hardison said…
Hi Ty, Welcome to FohBoh! Feel free to start or join a group, comment on a forum, or post a blog on any topic of interest to the FohBoh community. Our members are from over 102 countries and all interested in communicating and connecting. Don't forget to check out our hot new Rewards Program where you can actually earn stock in FohBoh as you participate.





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