b'statement if you need assistance understanding it and will help look for possible cost reductions from the card networks.OPPORTUNITIES TO REDUCE COSTListed below are a few ways you may be able to reduce costs for payment acceptance: Review your statements interchange fee section for sales vol- About the Authorume that is being charged at rates over 2 percentthis mayTHEODORE KEITH, JR.be a result of the processing method utilized and perhaps aPRESIDENT AND CEO,good instigator to change it.THRIVE PAYMENTS Look for fees on your statement for PCI non-compliance these are fees for not completing your required PCI com-plianceprocess,suchastheself-assessmentquestionnaire (SAQ) or scanthese are easy to avoid by maintaining prop- Theodore Keith, Jr. is the president and CEO of Thrive Payments, er compliance. a payments company with a 41-year history of serving businesses throughout the U.S. Thrive Payments is an associate memberofthePVAandaproudsupporterofthePassengerVessel Compare your interchange fee expense rates with publicly available rate sheets to ensure these fees are being pass through without an upcharge. Foundation. T.K. Keith Company, Inc., doing business as Thrive Payments, is a registered Independent Sales Organization of Wells SUMMARY Fargo Bank, N.A., Concord, Calif.Payment acceptance, also known as merchant services can be a complex, but necessary, component of your business. Choose a reputable provid-er that is willing to help you understand your costs and work with you towards a mutually beneficial business relationship.KEEPING BAY AREA FLEETS IN SERVICE FOR OVER 40 YEARSBay Ship and Yacht makes it a priority to per-form on-time, quality service for all vessels. We are a full service shipyard cosistently serving Al- 5 1 0 . 3 3 7 . 9 1 2 2 ameda, San Francisco Bay, the west coast andwww.bay-ship.com the worlds maritime industry for over 40 years. A l a m e d a , C A23 JUNE 2022'