Ty Hardison
  • Male
  • Atlanta, Ga
  • United States
  • Vantage Card Services, Inc.
Share on Facebook
Share Twitter

Ty Hardison's connections

  • Kevin C. Thompson
  • Jeffrey J Kingman
  • J. Stewart Singleton
  • Elizabeth Aulet
  • Drew Gilbreath
  • Tashana Thomas
  • Kelly Hornbuckle
  • Holly D. Elmore
  • Carl Muth
  • Dani
  • Mark Michelson
  • Michael L. Atkinson
  • FohBoh

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

(404) 784-5095 Mobile

Ty Hardison's Blog

The average restaurateur has no idea exactly what they are paying

Posted on September 27, 2012 at 12:49pm 0 Comments

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…


More Choose Restaurants with Loyalty Rewards

Posted on September 27, 2012 at 12:15pm 0 Comments

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,…


What is your Real Rate for card acceptance?

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

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…


New Visa & MasterCard Fees Announced for April 2012

Posted on February 23, 2012 at 6:30am 0 Comments

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…


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

Posted on October 7, 2011 at 12:30pm 0 Comments

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…


Comment Wall (5 comments)

You need to be a member of FohBoh to add comments!

Join FohBoh

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.





Social Wine Club for Craft Wineries


Kids LiveWell atwitter over Twitter party

In its continuing effort to promote more nutritious and flavorful children's menu options, the NRA will hold a Twitter party  -More

Starbucks could become top on-premise wine seller in U.S.

Starbucks is planning to slowly expand its evening sales of wine, beer and small plates to thousands of selected stores throu -More

The evolving nature of snacks

Snacks have shifted from an after-school treat to a meal alternative as meal times become more fragmented.  -More


Posting a job or finding a job starts here at FohBoh. Call us about special $25 posting packages to syndicate across all major jobs boards.

National News

Wahlburgers Announces Expansion Plans Including Franchise Agreement in Philadelphia

Wahlburgers has signed a franchise agreement with Hingham Associates, LLC that will bring five Wahlburgers to the metropolitan Philadelphia area over the next several years. The franchise group is actively looking at sites and is targeting a late 2014-early 2015 opening for its first restaurant.

Chipotle Mexican Grill, Inc. First Quarter 2014 Revenue Up 24.4%

Comparable restaurant sales increased 13.4% - Restaurant level operating margin was 25.9%, a decrease of 40 basis points

Jamba Juice Announces Grand Opening of New St. Louis, MO Location

Jamba Juice Company announced the brand’s continued expansion in the St. Louis market with the opening of a Jamba Juice® store at 11477 Olive Blvd. on April 16, 2014.

Expert in Real Estate Analytics Joins Luna Grill

Luna Grill, the San Diego-based Mediterranean restaurant chain, is welcoming retail real estate industry veteran Greg Thorburn to its leadership team. Thorburn has been brought on board to fill the newly created position of Vice-President of Real Estate.

Rita's Italian Ice Awards Area Development Agreement for Kansas

Rita's Italian Ice has awarded franchise and area development agreements for Kansas and the Kansas City area, which extends to the Missouri side of the city, to franchisees and local residents Jay Miller, Jeff Miller and Pat Reilly.


If you are looking for capital to start or grow your restaurant, create the next 501c3, develop and launch the next app for the restaurant industry,or want to help your peers in some meaningful way, we want to know about it.


TED: Matthew Carter: My life in typefaces - Matthew Carter (2014)

Pick up a book, magazine or screen, and more than likely you'll come across some typography designed by Matthew Carter. In this charming talk, the man behind typefaces such as Verdana, Georgia and Bell Centennial (designed just for phone books -- remember them?), takes us on a spin through a career focused on the very last pixel of each letter of a font.

TED: Jeremy Kasdin: The flower-shaped starshade that might help us detect Earth-like planets - Jeremy Kasdin (2014)

Astronomers believe that every star in the galaxy has a planet, one fifth of which might harbor life. Only we haven't seen any of them -- yet. Jeremy Kasdin and his team are looking to change that with the design and engineering of an extraordinary piece of equipment: a flower petal-shaped "starshade" that allows a telescope to photograph planets from 50,000 kilometers away. It is, he says, the "coolest possible science."

TED: Norman Spack: How I help transgender teens become who they want to be - Norman Spack (2013)

Puberty is an awkward time for just about everybody, but for transgender teens it can be a nightmare, as they grow overnight into bodies they aren't comfortable with. In a heartfelt talk, endocrinologist Norman Spack tells a personal story of how he became one of the few doctors in the US to treat minors with hormone replacement therapy. By staving off the effects of puberty, Spack gives trans teens the time they need. (Filmed at TEDxBeaconStreet.)

TED: Jennifer Senior: For parents, happiness is a very high bar - Jennifer Senior (2014)

The parenting section of the bookstore is overwhelming—it's "a giant, candy-colored monument to our collective panic," as writer Jennifer Senior puts it. Why is parenthood filled with so much anxiety? Because the goal of modern, middle-class parents—to raise happy children—is so elusive. In this honest talk, she offers some kinder and more achievable aims.

© 2014   Created by FohBoh.

Badges  |  Report an Issue  |  Terms of Service