"They Laughed When I Told Them
I Could Provide Fair Credit Card Processing
Without All The Scams, Tricks, Traps and
Hidden Fees - But When They Saw My
"Try Us, You'll Like Us" GUARANTEE …"

Dear Fellow Small Business Owner,

Are you sick and tired of getting nickel-and-dimed to death with all the hidden rates and fees your credit card processor charges? How about an honest change?

Are you fed up with calling for customer support and getting stuck on hold in "voice menu hell" - and if you ever get through to an actual person, it sounds like they're speaking "geek" instead of English? And then it takes an hour of your precious time to fix an issue!

Maybe it's time for a refreshing change!

But I'm jumping ahead. Let me tell you what this is all about…

We decided early on that we were going to be different than the typical credit card processing sales people. We were going to be honest, and disclose all the rates and fees. We were going to answer the phone instead of forcing you to call 1-800-IGNORE ME when you need help.

Remember the TV show Batman? Commissioner Gordon could reach Batman in an emergency by calling the "Bat Phone."  Well, we have our own Bat Phone for our customers! You don't have to suffer the frustration of wading through the maze of voice menu options to try to get an actual person on the phone! You call us directly on the Bat Phone and we're there for you when you need help.

Not only that, but if you do need additional technical support, we personally patch you in to our national technical support specialists and stay on the line for a three-way call until we get the problem solved!

My strong hunch is, if you're like most merchants, you've probably had the experience of getting ripped off with a bunch of hidden fees, "fake" low rates and a lot of other scams that, unfortunately, are a hallmark of the credit card processing industry. Like Tom Coughlin:

In fact, we're so confident that we here at Electronic Money Company can provide the best combination of fair rates, honest disclosure of rates and fees, local and personal customer service, technology that will save you and MAKE you money-in short, the best possible merchant services experience-that we offer this unprecedented GUARANTEE:

If you decide to let us help you with your credit card processing - and I bet you will, once you see how genuinely different we are than all those other guys - you can use our service for as long as you like. If at any time you're not absolutely thrilled with our rates and service and added value - for any reason at all - you can cancel your agreement and there is absolutely NO EARLY TERMINATION FEE! Other processing companies lock you in for years, and if you're not happy, you're stuck-unless you pay an early termination fee of up to $3000! You can't lose with me. Any risk is mine. This is a win-win situation for you. Could any offer be fairer than that? Try us, you'll like us-GUARANTEED!

But our Guarantee is not the only way we're different:

• EDUCATION: We educate you until you completely understand every item on your statement.

• ANALYSIS: We analyze the way you collect payments and make suggestions on the system that will qualify your transactions at the lowest rate with the most efficiency!

• TRAINING: We train you and your employees at the beginning of our relationship. And we also provide you with ongoing training when you hire new employees!

• ONLINE ACCESS TO CRUCIAL INFORMATION: You can have 24/7 real-time access to your transaction data and fraud alerts. And we train you and your employees how to use all the benefits of this online tool.

• FREE SOFTWARE TOOLS: Our online gateway gives you the ability to capture customer data that makes marketing to your customers easy as pie!

• VALUE-ADDED RESOURCES: Since our goal is to always help you grow your business and thrive even during a down economy, we provide you with additional resources: FREE Business Booster Tele-Seminars with small business expert guest speakers, Email Tips, our monthly customer newsletter, Electronic Money Examiner, and more!

• MARKETING CONSULTING: Not all credit card processors are created equal. We have been studying small business marketing for years and we can help you with a variety of strategies and techniques-like newsletters done for you that you send to your customers and ready-made marketing systems-that will explode your business and have you dominating the competition in no time!

• SERVICE: Did we mention our great customer service? Don't forget that just like Commissioner Gordon, you can reach us on the Bat Phone whenever you need help!

Everywhere Small Business Owners Are Raving About
Finally Finding An Honest Credit Card Processing Company
That Gives YOU Real Customer Service    

Maybe I'm getting ahead of myself here, but I'm pretty sure I can help you like I've helped Jake Finkelstein and Tom Coughlin and these other folks:

"I should be able to pick up the phone and talk to a person live, not a machine. I like the straight forwardness of dealing with Electronic Money Company. The other reason I switched is because I wanted to have a user friendly online interface to see my transactions, daily.  ~ Nashoda Naidoo, Owner Anapurna Vegetarian Restaurant, Albuquerque & Santa Fe, NM "The things that I like about Electronic Money Company are that the service is prompt and courteous.  I have needed that service a couple times per year.  The switch over to EMC was timely and good and the expenses were less than the other company." ~ Frank Basset, Owner, Wingbasket and New Mexico Pinon Coffee, Albuquerque, NM "I have been with Electronic Money Company for over 6 years. Other processors call me all the time but I tell them I would not change. My sales rep takes the time to come to my place of business and explain to me all the charges in detail and how to keep my rates low.  Every time I call, she is always helpful and gets back to me right away."   ~ Christian Dimery, Owner, Morningside Antiques, Albuquerque, NM "I am so glad we contacted you for a review before signing up with one of those telemarketing offers. You have given us good service over the years. It is so nice to be able to reach a real person if there is any problem at all. Hope to continue with you for a long time. Thanks."   ~ Jean Taylor, Owner, Tom Taylor's Belts and Buckles, Santa Fe, NM

The merchants you just heard from and many others have one thing in common …

They appreciate the personal service and added value they get
from working with us here at Electronic Money Company.

See, we do not have the "lowest rates." If we did, we couldn't afford to offer the support and service we do. We have no interest in being the "Wal-Mart" of credit card processors!

We don't have the highest rates, either. We believe in offering fair rates. We don't want to gouge our customers.

Here's the bottom line. Just like you, we have to make a profit to stay in business!

If you've read this far, you're probably ready to find out if it makes sense to work with Electronic Money Company for your credit card processing and merchant services.

Here's what you need to do:

Send an email to  or send a fax to 505-298-6304 with the following information:

• Contact Name
• Business Name
• Business Address
• Email Address
• Type of Business
• What products/services you offer
• Current or anticipated average monthly credit card volume
• If you're already processing credit cards, email or fax every page from one of your three most recent merchant statements

And that's it! I'll be in touch via email to let you know if I think I can help you and what the next step is. No pressure, no obligation. Just an honest assessment of your situation.

Of course, you might not be ready to do that yet. If not, you should at least be aware of…

Credit Card Processing Secrets
My Competitors Don't Want You To Know About

If you're sick and tired of getting cold calls from sleazy, lying, cheating, scumbag credit card processing salespeople-or you just want to better informed-then you'll want to get my FREE Report that reveals all the traps, lies, half-truths and scams of the "We Have the Lowest Rate" credit card processing salespeople:

"11 Traps of 'We Have the Lowest Rate'
Credit Card Processing Salespeople"

Here's just some of what you'll discover in this eye-opening FREE Report:

• Why their "low rate" will never really be that low

• Why different types of credit card transactions have different rates and how to tell the difference

• Why a flat rate might actually be a surcharge

• How to never again get hit with an "early termination fee"

• The one piece of equipment you might NOT need, that you think you do

• The Annual Fee and 7 other hidden fees Bob won't tell you about

• Why a free machine or free paper is never really "free"

• The one thing you MUST do when signing a new equipment lease

• The costliest trap of all and how to get out of it-forever

• And much, much more

To get your copy of this eye-opening new Report, "11 Traps of the 'We Have The Lowest Rates' Credit Card Processing Salespeople," valued at $47, now - yours FREE!


Or, grab your telephone right now, and call the 24-hour toll-FREE "11 Credit Card Processing Traps" voice mail hotline at 1-866-338-1314 ext. 104.

There is absolutely no charge for this service and no one will be on the telephone to hassle you or try to sell you anything either.

If you want to stop getting ripped off and start protecting every dollar that's rightfully yours, then this FREE Report is right up your alley.

"After reading this report and having been around the block myself with other credit card processors, I found that there are more ways than one to scam a customer. There is no reason not to read this FREE Report before making a long term commitment regarding the control of your money and livelihood. This valuable report could compute into $1000+ of savings over the course of the contract."

How Much Is A Bad Credit Card Processing Arrangement
Hurting You And Your Company?

Obviously I believe my company can take care of you like no other merchant services company out there.

But don't take my word for it. Read what these other merchants have to say about working with me and Electronic Money Company. Then decide for yourself if it makes sense to get the process started.

Dedicated to your success,

Ginger Hollowell

P.S. Here are the comments from other merchants who were sick and tired of all the scams, traps and tricks and are happy to be working with us now:

"Trust is the reason we are happy with Ginger Hollowell and Retriever Payment Systems for our merchant services contract at our bank. We have realized that we don't really know enough about the industry to best advise our merchants on equipment and give them the best price quotes on card processing. We also realize that we don't have to learn all the complicated ins and outs of the industry to service our merchants well.  Ginger Hollowell, President and her staff are the experts and are always quickly available, responsive and professional. We simply call Ginger and give her our clients as a referral and she takes the ball and rolls with it. We are totally confident that our clients are in their good hands. They make us look good and grow our portfolio of merchant accounts." ~ JoAnna Romero, AVP/Cashier, Valley National Bank, Espanola, NM You came in and rescued us from the current provider that we were with and about to lose customers over and you and Retriever rescued those customers from that high priced product and allowed us to keep and maintain those customers at our bank. You turned a cost center into a profit center.  We are confident in referring our customers to you for their merchant services, because we know that your support to us and prompt customer service to our clients has not only kept the current customers with our bank, but also helped bring new customers into our bank."   ~ Sean Ormand, President, 1st New Mexico Bank of Silver City, NM "I have to say that in the several years since you first approached us about Retriever, we have been extremely happy with the service we have received.  We have received good service from Retriever, but what counts even more to us is the service we have received from you personally over the years.  You have always been there with a quick response, and we have been impressed that you stay in contact with us just to see how things are going.  I wish all our vendors treated us the way you do.  We've always been important to you.  I remember the time when our machine went out.  One call to you and we quickly had a new machine all set up.  There was very little business interruption time.  Again, those things really count with us." ~ Judy Lukens, Bookkeeper, Barnett Carpets, Ruidoso, NM "I'd rather have somebody local to talk to and invest back in the local community. I should be able to pick up the phone and talk to a person live, not a machine. I like the straight forwardness of dealing with Electronic Money Company. The other reason I switched is because I wanted to have a user friendly online interface to see my transactions, daily.  ~ Nashoda Naidoo, Owner Anapurna Vegetarian Restaurant, Albuquerque and Santa Fe, NM  "I am so happy to be back with your credit card processing and I am so sorry I let some stranger snow me with promises he didn't keep.  I really missed your customer service and my bookkeeper is thrilled also because the statement is easier to reconcile." ~ Char De Vasquez, Char Designer Suedes and Leathers, Santa Fe, NM since 1976 "This is the second bar I have done business with Walt of Electronic Money Company Inc.  First was The Tavern Pub and now Crazy Croc's Tavern.  We use electronic age verification and credit card processing from EMC Inc.  I find the rates to be fair and the service to be top notch.  Having a local salesman and office for support is very important.  If I have a problem with equipment or understanding my paperwork, Walt is quick to respond to my needs.  I would gladly recommend the services of Electronic Money Company Inc., to other companies." ~ Stephen Pitt, Owner, Crazy Croc's Tavern, Rio Rancho, NM "The things that I like about Electronic Money Company are that the service is prompt and courteous.  I have needed that service a couple times per year.  The switch over to EMC was timely and good and the expenses were less than the other company." ~ Frank Basset, Owner, Wingbasket and New Mexico Pinon Coffee, Albuquerque, NM "After ten years with the same processor, I listened to Ginger Hollowell of Electronic Money Company (EMC). She demonstrated my potential credit card processing savings based upon my numbers. Within 24 hours the system was running and processing credit cards without a problem. I immediately started saving on the credit card charges. The support is excellent.  No more lost charges because of malfunctioning credit card machines. CP-Cal is grateful for her help processing the charges for this event. Thank you, Ginger, for a great service."   ~ Kathleen M. O'Connor, Esq. and Incoming President of CP Cal, Pasadena, CA "I have been with Electronic Money Company for over 6 years. Other processors call me all the time but I tell them I would not change. My sales rep takes the time to come to my place of business and explain to me all the charges in detail and how to keep my rates low.  Every time I call, she is always helpful and gets back to me right away." ~ Christian Dimery, Owner, Morningside Antiques, Albuquerque, NM "I have had a very favorable business relationship with Walt and Electronic Money Company Inc. I started with electronic age verification services and equipment in 2002 to protect our liquor license and our servers. I found electronic age verification to be a useful tool in defending our liquor license. In 2005 I switched my credit card processing and added electronic check processing. I have been happy with the rates, upgraded equipment and local service. Walt also researched and cleared up some old leases from previous processing companies, which has saved us a lot of money. I highly recommend Electronic Money Company Inc., as a quality merchant services provider. ~ Janet Tanner, President, Leisure Bowl & Ed's Pub, Albuquerque, NM "Ginger at Electronic Money Company was a lifesaver for us in a time of crisis while changing web masters. She was an extremely responsive and easy to work with professional in setting up our online business system for CP Cal. EMC was easy for our web master to work with and the online billing processing was efficient. I highly recommend working with Electronic Money Company. You saved us. Thank you Ginger." ~ Randy Cheek, Board Member and Chair of Website Committee of CP Cal, Walnut Creek, CA "We have used Ginger Hollowell, who owns Electronic Money Company, for credit card processing at our Gala and Silent Auction Event with the Del Norte Club for several years. It helps our charity raise more money because people spend more with credit cards. Ginger provides a turnkey solution for us that is smooth with no hassles or problems. We get 3 machines so the check out line is fast and that makes our guests even happier. I have recommended Ginger and her turnkey solution to other charities who hold events. They were so pleased that they decided to keep their merchant account open all year, as we do, in order to make it easy to accept donations through out the year. Ginger, by the way, is an industrious member of our rotary chapter." ~ Fred Bryant, Lt Gov District 5520 Central Area and Past President, Rotary of Albuquerque del Norte, Albuquerque, NM                          "I am thrilled to find a company that actually provides hands on live support to their customers.  Carolyn, the office manager for Electronic Money Company, is a great help in straightening out issues, and after being neglected for over 2 years by my former company. Thanks so much." ~ Jake Finkelstein, Spectrum Auction LLC, Placitas, NM "We were talked into moving our business away from Ginger by our bank.  We made the move and discovered that the rate they charged was higher than our rate with Ginger.  We also did not receive the personal service and attention Ginger has always given us.  We are very pleased to be back in such good hands, not to mention we are saving money." ~ Chuck and Sharon Lutheran, Owners, The Mechanic Inc., Albuquerque, NM "EMC held my hand in helping me set up my credit card processing.  In the process I also dealt with NPC.  NPC's customer service is extremely helpful and a LIVE person.  I know that I will always have LIVE assistance from EMC and/or NPC - priceless." ~ Cathy Rypma-Dixon, Synergy Networking, Albuquerque, NM "I am so glad we contacted you for a review before signing up with one of those telemarketing offers. You have given us good service over the years. It is so nice to be able to reach a real person if there is any problem at all. Hope to continue with you for a long time. Thanks." ~ Jean Taylor, Owner, Tom Taylor's Belts and Buckles, Santa Fe, NM "Electronic Money Company has been working with us now for 3 years plus and has done a phenomenal job of dealing with us on any of our concerns, issues, and handling of our equipment.  I would highly recommend them for any merchant service or equipment.  We get several calls per week from other credit card processors that are pushy and demanding, only wanting to scam us, saying they are going to save us money.  I have told my employees that flat out we don't want to change because of the service we get from Electronic Money Company.  They're aren't too many honest credit card processors like them anymore, that you can trust you're getting the honest truth about all the 'hidden fees'."    ~ Tom Coughlin, Owner, Tom's RV Service and Sales, Albuquerque, NM "We have been using Retriever (Electronic Money Company) at our hotels for three years. After using their services, I was impressed with their customer service and the responsiveness to our needs. They are willing to work with large groups of businesses to give the best processing rates possible. With the rates we have received from Retriever, we have no need to consider another processing company for our hotels. All our hotels are using Retriever: Hampton Inn, Holiday Inn Express Hotel & Suites, Days Inn and Comfort Suites. We are please to have local representation with Helen Thompson for our properties."  ~ Pete Desai, Owner, Hampton Inn, Alamogordo, NM