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Welcome to our Merchant Services Training Site!

Here you will find everything you need to become a successful salesperson in the merchant services industry. Our goal is to power you with knowledge so you can better sell and provide accurate information to your clients. As always, we are here to help! Feel free to reach out if additional clarification is needed.

Agent Channel Program

About All Key Solutions

Thank you for considering All Key Solutions as your partner for your clients’ Payment Solutions. We are a privately-owned payment advisory company offering solutions for payment technology and e-commerce for businesses of all sizes.

All Key Solutions offers a multitude of payment processing and business solutions to meet the needs of business owners. We also provide 24/7 toll-free access to a live representative for all of our merchants. Our organization caters to our clients by utilizing our combined experience of over 15 years in the merchant services industry. All Key Solutions currently operates in 40 states.

Our team’s background is diverse, allowing us to call on experience from a variety of fields including retail, food service, construction, finance, medical and the service industries. No matter what your needs may be, we strive to help you achieve your goals in a cost effective format, using not only the most advanced products available but by offering superior customer service.

Key Points

  • EMV and NFC Ready Terminals
  • No contract
  • No Application Fee
  • No Early Termination Fee
  • Next-Day Funding Available for all Merchants
  • 24/7/365 Live Customer Support
  • Powerful Partner and Merchant Reporting Tools
About All Key Solutions - Services

All Key Solutions offers industry-leading solutions for merchant accounts, credit card processing, integrated payment processing, credit card machines, and a variety of other business needs.

We provide our Clients with fully customizable solutions focused on long-term success. Our company provides world-class service while retaining personal relationships and flexibility.

Your Clients will all receive an inside Sales Consultant and Direct Customer Relationship Manager Support.

  • Electronic Payments
  • Credit Card Processing
  • Social Media Management
  • Website Design
  • Clover Point-of-Sale Devices
  • ACH, eCheck & Retail Check Solutions
  • EMV & NFC/Mobile Ready
  • Industry-leading gateway and virtual terminal
  • Merchant-facing analytics portal
  • 24/7 Customer support
  • Small Business Loans
  • Next-Day Funding Available
  • No Contract Fee
  • No Early Termination Fee
  • No Application Fee
All Key Client Overview

What type of company should I target?

All Key Solutions can help businesses that:

  • Have issues with Payment Acceptance
  • Have Point of Sale issues
  • Are growing and expanding
  • Are having issues with PCI compliance

What type of industries & decision makers does All Key work with?

  • Medical: CFO, CEO, COO, CIO, Practice Administrator
  • Restaurant: Owner, Manager, Controller, Bookkeeper
  • Retail: Owner, Manager, CFO
  • Services and Trades: CFO, CEO, COO, CIO
  • Local Townships: Business Administrator, Controller
  • Banking: CFO, VP, Branch Manager
  • Ecommerce: CEO, CFO

Who does All Key partner with?

  • Business Consultants
  • Outsourced CFO’s
  • Accountants
  • Cost Reduction Companies
  • Technology Partners
  • Payroll Processors
  • Entrepreneurs

Email Scripts


I hope you’re well. My name is XXXX, I’m based in XXXXXX. I came across your company (THROUGH/BY/NOTICED) XXXXXXXXXXXXXXX. My company, All Key Solutions, provides payment processing for companies in your industry. I would truly appreciate the opportunity to stop by, formally introduce myself and see if we may be able to help you with enhancing your current processing solutions. I’ll be in your area on XXXXXXXXXXXX, should you have a few minutes.

Thank you in advance for your time. I look forward to connecting.


*Ive attached some general reference information about All Key below.

Phone Scripts

Initial greeting: Hi, my name is XXXXX from AllKey Solutions, a payment solutions firm that works with businesses such as yours. May I ask who am I speaking with? Thank you, XXXX. Is it possible if I could speak with the business owner or the office manager? Would this be a good time to speak with you/XXX for a quick minute?

IF NO: Oh, alright, thank you for letting me know. Is there a better time to call? (Obtain contact name, time and date for follow up) Or may I send an email with my company’s information and my contact number? Sure, I’ll catch up with you then, thank you for your time and have a nice day.

IF YES: Thank you so much. The reason for my call is so that I may introduce myself and let you know that I am local, and that we serve accounts nationwide and pride ourselves on saving clients’ money, giving the best service and we do not require contract. We look at how you are currently managing payments, and how we can best improve that system to make your life easier and your business more efficient. Is it possible if we could schedule a 5-10 minute quick telephone call to discuss this in more detail? (Obtain date and time and coordinate with Nick and Will) Great! Thank you. May I send you an email confirming the appointment details along with my contact information? Thank you for your time and have a wonderful day.


Hi, my name is XXXXX from AllKey Solutions, a payment solutions firm that works with businesses such as yours. The reason for my call is so that I may introduce myself and let you know that I am local, and that we serve accounts nationwide and pride ourselves on saving clients’ money, giving the best service and we do not require a contract. We look at how you are currently managing payments, and how we can best improve that system to make your life easier and your business more efficient. If you are interested, please give me a call back to XXXXXXXXXXX to schedule a quick 5-10-minute phone call to discuss your account in more detail. If I am sending an email, I am going to be sending over an email with my company information along with my contact details. Thank you and have a wonderful day!

All Key Contacts

Nick Fiocchi

CEO & Co-Founder

Will Gruccio

CEO & Co-Founder

Yami Rabelo


Jim Worden

Solutions Manager




Transaction Processing

Authorization – Credit card machine requesting permission from the issuing bank to accept or decline a card for payment

Settlement – Daily transaction data that is sent to the host in order for the merchant to be funded. Funded usually occurs with 24-48 hours of settlement.

Transaction Flow — Sales Clerk (Store Front) —> Processor (All Key Solutions) —> MasterCard/Visa/Discover —> Issuing Bank (Check consumers account to approve or decline) —> Processor (All Key Solutions) —> Sales clerk

  • Basis point – 1/100 of a percentage point
    0.10% = 0.0010 = 10 Basis Points (BP)
  • Discount Rate – Includes fees, dues, assessments, markups and network charges that merchants must pay for accepting credit and debit cards. Interchange is often the largest component of the discount rate
  • Interchange – The fee paid to the card issuing bank by the acquiring bank. Interchange rates vary widely based on card type, transaction amount along with risks.
  • Qualified – The percentage rate merchants are charged when they accept regular consumer cards. Qualified is typically the lowest rate merchants incur while accepting credit cards.
  • Mid-Qualified – The percentage rate merchants are charged when accepting cards that do not meet qualified requirements for qualified classification. Example: Card number is keyed rather than swiped. Some rewards cards also fall under mid-qualified.
  • Non-Qualified – Often the highest percentage rate merchants are charged for accepting credit cards. The majority of non-qualified transactions are corporate cards along with card not present transactions in which address verification (AVS) was not performed. If a batch is not settled within 24 hours of authorization transactions will downgrade to non-qualified.
  • Payment Gateway –E-commerce service that authorizes payments for online business
    Two components – (1) Virtual terminal to securely key in credit card information (2) Website shopping cart and Internet Secure are the two main online payment gateways
  • Void – Ability to cancel a transaction. Can only be done if the batch has not been settled.
  • Refund – Ability to refund money to a customer. A refund cannot be processed on an open batch.
  • Chargeback – Used when a customer disputes a charge on their credit card bill.
    The issuing bank will refund the balance of a disputed   transaction to the customer. Then the acquiring bank will deduct the amount owed from the merchants account.
  • Issuing Bank
    Issues credit/debit card
    Approves or declines purchases and bills cardholder for charges
  • Acquirer – Acts as communication link between the merchant and issuing bank
Pricing Options

Interchange Plus Pricing

Interchange plus pricing is basically “cost” plus. As you know, interchange are the rates established by Visa and MasterCard for each credit card type. With interchange plus pricing we pass those fees to the merchant and charge a small percentage on top as our fee. This pricing structure is typically the easiest to explain to merchants.

Example: ($100 transaction)

  • Interchange = 1.50% + $0.05
  • Our Fee = 0.10% + $0.10
  • Total fee to merchant = 1.60% + $0.15
  • Fee paid to Visa = $1.55
  • Fee paid to All Key Solutions = $0.20
  • Total cost to merchant on $100 transaction = $1.75

Tiered Pricing

The 3-Tier Pricing is the most popular pricing method and the simplest system for most merchants to understand, if not the most transparent. In 3-Tier Pricing, the merchant account provider groups the transactions into 3 groups (tiers) and assigns a rate to each tier based on a criterion established for each tier. A possible drawback from the merchant’s perspective, is that these “tiers” or “buckets” are variable from one processor to the next prohibiting any direct comparison from a Tier 1 provided by one provider to a Tier 1 provided by another provider.​

Electronic Check Service

Deposit and Verification — Verifies that the check is valid and automatically converts the check to an electronic transaction
Deposit and Guarantee —  Guarantees the funds and automatically converts the check to an electronic transaction

Services We Offer
  • Wireless credit card terminals (process over cellular data)
  • Mobile card readers for smartphones
  • Remote check deposit and check guarantee
  • Merchant Cash Advance (loan against monthly credit card volume)
  • Gift Card and Loyalty programs
  • Retail/Quick Service Restaurant point of sale solution (Clover or iConnect)
  • Ability to integrate with MOST retail and restaurant Point of Sale equipment
  • E-commerce Solutions
About Interchange

​Interchange is a term used in the payment card industry to describe a fee paid between banks for the acceptance of card based transactions. Usually it is a fee that a merchant’s bank (the “acquiring bank”) pays a customer’s bank (the “issuing bank”).

In a credit card or debit card transaction, the card-issuing bank in a payment transaction deducts the interchange fee from the amount it pays the acquiring bank that handles a credit or debit card transaction for a merchant. The acquiring bank then pays the merchant the amount of the transaction minus both the interchange fee and an additional, usually smaller fee for the acquiring bank or ISO, which is often referred to as a discount rate, an add-on rate, or pass-thru.