Carl Loder- CEO, CentralRacingParts.com

"Thrive did a great job building my online store.  I wasn't always sure of some of the decisions that were made in the construction process but Michael has won my trust!  Recently, five suppliers I had lined up to purchase from, visited my site.  Normally they require a "buy-in" for an initial order which can be upwards of $10,000.  When they saw my site, they were calling ME to represent them.  They waived their buy-in and are getting in line to be a supplier."

Solution: E-commerce store and credit-card processing

Dave Mace, First Employee, Maverick Creative Group

"Michael combines several talents to create an incredibly valuable service for his clients. He is part designer, part technician and part business strategist, making him a formidable partner. I've enjoyed working with him, and I've learned a lot from him."

Aaron Davis, Sedgwick County Health Department

"What does it for me when it comes to Thrive is their dedication to detail. Thrive takes the time to really listen to what I want and need and then make sure that they produce exactly what i asked for. I really appreciate their customer service, Michael and the team isn't perfect but when they make a mistake their team jumps on it to make sure any problems are resolved in a timely fashion. If you need an web-application built that works, I recommend Thrive!"

Solution: Emergency Responders Registration Database

Marta Curry, Waddell and Reed

“While Thrive Business Solutions is the company name, Michael personifies integrity in his industry. Thrive is genuine in their approach to listen, offer assistance and solutions to your agendas. Strive is one word as they pledge to help others, but they really thrive at it. I am fortunate to collaborate with them regularly through our Chamber Leads Group #3 - where many strategies and business networking goals are shared - and achieved!”

Pat Knolla- Founder / Owner, Knollas Pizza on 13th

“Thrives customer service has really impressed me. When I call they solve whatever I throw at them right away. I have been processing credit cards and have had my website with them for three years now and the rates have always been fair. Most importantly, they have integrity. I have never had to question if Thrive is doing something with my rates or service that I should be concerned about.”

Solution: Website, Online-Ordering, E-mail Marketing and Credit-card Processing

Mark Oelze, Owner, True Life Marriage and Family Counseling

"Michael is not only a man of great vision, but a man who has the mind and ability to take that vision apart and see it happen one step at a time. He does so with a steadfast spirit about him in a confident but gracious manner. When you are around Michael you are caught up in the same confidence that together what has been set out to do will indeed be accomplished. I can't say enough good about this man!"

Mike Steele, Co-Founder, The Galleon Company

“Michael is a man of high character and competence. He accomplishes what he sets out to do. I recommend his services without reservation.”

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Visa and Mastercard "No Signature Required" E-mail

In an effort to increase the number of "Small Ticket" and "Quick Service" Merchants, Visa and MasterCard have increased the "No Signature Required" Program to include several more types.

 

Visa

Transactions that meet the following characteristics will qualify for chargeback protection under reason codes 60 (Requested Copy Illegible or Invalid), 79 (Requested Transaction Information Not Received), and 81 (Fraudulent Transaction – Card Present Environment)

  • U.S.A. Domestic Transactions
  • Transaction qualified at one of the following CPS Interchange Programs:
  • CPS Retail
  • CPS Restaurant
  • CPS Retail Service Station
  • CPS Supermarket
  • Transaction amount $24.99 or less

Must be one of the following Merchant Types:

MCC Code

Description

MCC Code

Description

4111

Local and Suburban Commuter Passenger Transportation, including Ferries

5814

Fast Food Restaurants

4121

Taxicabs and Limousines

5912

Drug Stores and Pharmacies

4131

Bus Lines

5942

Book Stores

4784

Toll and Bridge Fees

5947

Gift, Card, Novelty and Souvenir Shops

5251

Hardware Stores

5994

News Dealers and Newsstands

5331

Variety Stores

7211

Laundry Services-Family and Commercial

5411

Grocery Stores and Supermarkets

7216

Dry Cleaners

5441

Candy, Nut and Confection Stores

7338

Quick Copy and Reproductions

5451

Dairy Products Stores

7523

Parking Lots and Garages

5462

Bakeries

7542

Car Washes

5499

Miscellaneous Food Stores-Convenience Stores and Specialty Markets

7832

Motion Picture Theaters

5541

Service Stations (with or without ancillary services)

7841

DVD/Video Tape Rental Stores

5812

Eating Places and Restaurants

 

MasteCard

  • Transactions that meet the characteristics listed below will be exempt from chargebacks for reason codes 01 (Non receipt of requested item), 02 (Illegible Item), and 37 (No cardholder authorization)
  • Transaction occurred at U.S. merchant location
  • Transaction QPS Qualified
  • Authorization obtained for the full amount of the transaction
  • Transaction amount $25.00 or below
  • Transaction was magnetic swiped or contactless
  • Merchant must process under one of the following MCC codes and meet the specific transaction conditions (i.e., equal to or less than transaction amount and if applicable obtain authorization for the full amount

MCC Code

Description

Amount

Auth
Reqd

MCC Code

Description

Amount

Auth
Reqd

4121

Limousines & Taxicabs

25.00

Yes

5942

Book Stores

25.00

Yes

5411

Supermarkets

25.00

Yes

5994

Newsstands

25.00

Yes

5499

Miscellaneous Food Stores, Vending Machines

25.00

Yes

7216

Dry Cleaners

25.00

Yes