News and Updates

Stored-value, Gift and Loyalty Solutions


Create meaningful and valuable relationships with your customers through an engaging loyalty program.

Research shows that loyal customers spend more, serve as ambassadors for your brand and are less likely to be drawn to a competitor’s promotion.

  1. BEST PRACTICES FOR BUILDING A LOYALTY PROGRAM – Identifying, rewarding and retaining your best customers. 
  2. Loyalty-Program-Overview

Merchant gift card programs lead customers to spend—on average—60 percent more than the value of their gift cards. In addition, 72 percent of shoppers also shop for themselves when they go online or in-store to purchase a gift card.

Heartland helps you acquire more loyal customers with our innovative gift card program. You can personalize your own gift cards, offer reloading capabilities and use a card-not-present program that allows your customers to use their phone number as their identifier.


Source: Loyalty Programs

Source: Gift Cards

To learn more contact Michael at Introduction

Michael J Rutherford
Direct line: 562.706.3637

Payment Processing

Invested in Your Success

Heartland serves businesses of all sizes and is dedicated to helping you achieve your goals. Fairness and transparency are our core values. We created the Merchant Bill of Rights to promote fair payment processing practices on behalf of small to mid-sized business owners. We focus on customer relationships and take pride in serving as your advocate.

Ready to go beyond accepting major credit cards? Heartland offers the latest in flexible payment processing options from Apple Pay and PayPal to POS, mobile card readers… and more.

Source: Payroll Processing

To learn more contact Michael at Introduction

Michael J Rutherford
Direct line: 562.706.3637

Payroll Services – Heartland Payment Systems

Payroll has to be done on time, and done right.

Heartland provides employee payroll services to entrepreneurs ranging in size from small to large. Whether you are looking for a turnkey payroll service for your expanding employee base or offering a 401(k) for the first time, our full-service employee payroll services and HR services for all businesses offers reliable solutions you can trust.

Payroll + HR

Heartland Payroll+HR takes the guesswork out of processing payroll and managing the intricacies of HR regulations and issues. Payroll+HR is a turn key payroll service with a full range of HR tools to support your business.

Source: Payroll Services

To learn more contact Michael at Introduction

Michael J Rutherford
Direct line: 562.706.3637

Merchant Bill of Rights

Bill of Rights - Heartland Payment Systems.jpg

Source: Bill of Rights

Heartland Payment Systems Calls For Merchant Bill of Rights

Heartland Payment Systems has announced it is launching a major initiative to help owners of small and mid-sized businesses manage the cost and complexity of credit and debit card acceptance. “The Merchant Bill of Rights” is proposed as an industry standard to inform and educate business owners about card processing costs and drive savings for small and mid-sized businesses.

In an environment where card usage by consumers is growing, security issues such as identity theft and identity fraud are commonplace, and card processing has become mission-critical, The Merchant Bill of Rights provides owners of small and mid-sized businesses with the same competitive edge major retailers with sophisticated internal purchasing organizations enjoy.

The centerpiece of this initiative is, an interactive website which will serve as an information clearinghouse. Here, business owners can learn about the mechanics of card processing, receive industry tips, share best practices, ask questions and stay abreast of industry news.

“For many small and mid-sized business owners, credit and debit card processing costs are one of the most significant expense items on their income statements,” notes Robert O. Carr, chairman and CEO of Heartland Payment Systems. “Yet, most business owners and entrepreneurs do not fully understand the factors that drive card processing costs or how to manage them. Today, with the launch of The Merchant Bill of Rights and, Heartland Payment Systems empowers business owners to learn how card acceptance works and take an active role in controlling these growing costs.”

The Merchant Bill of Rights calls for:

1. The right to know the fee for every transaction – and who’s charging it. Today, card processing services can be the third highest expense many small and mid-sized businesses incur, following right behind labor and product costs. Yet, many merchants are confused by the complexity of interchange rates, markups and other related fees. Likewise, because fee structures are rarely clearly disclosed, most merchants are unaware of the many different entities profiting from each transaction. All businesspeople have the right to know exactly who is getting paid – and the total amount.

2. The right to know the markup on Visa/MasterCard fee increases. Visa and MasterCard adjust rate categories 1-2 times each year, usually in April and sometimes in October. When rates go up, many merchant acquirers (contracted by the merchant to handle its card transactions) and their agents seize the opportunity to inflate them even more – and then blame the increase on Visa/MasterCard. Small and mid-sized merchants have the right to know the markups added to rate increases.

3. The right to know all Visa/MasterCard fee reductions. Annual fee adjustments by Visa/MasterCard may also include reductions in some card transaction categories as well as incentives for certain categories of merchants and card types. Yet, small and mid-sized merchants often do not receive them. In 2003, for example, Visa/MasterCard settled the Wal-Mart class action suit which called for hundreds of millions of dollars of fee reductions. While all large merchants received their share, most small and mid-sized businesses did not because of a loophole in the settlement agreement that allowed merchant acquirers and their middlemen to keep the reductions. Small and mid-sized merchants have the right to know about these incentives and fee reductions.

4. The right to know all transaction middlemen. Card processing is a fairly simple process that requires four entities at most: a bank, Visa/MasterCard, a telephone or Internet connection, and a processor. In some cases, however, as many as 12 additional, but different, entities get involved … each taking a cut from every transaction. While the transaction process does not change, middlemen only increase costs for the merchant. Small businesspeople have the right to know how many middlemen are receiving a portion of the cash automatically deducted from their checking account.

5. The right to know all surcharges and bill-backs. Visa/MasterCard charge as many as 110 different interchange rates depending on the type of card used and how it’s used. While the rates for different transactions and cards vary, they are set by Visa or MasterCard and cannot be changed by a merchant acquirer. However, many merchant acquirers or their middlemen significantly inflate these set fees with surcharges. These fees – often called “bill-backs” or “enhancements” – frequently are deducted the month following the actual transaction without disclosure, making them difficult, if not impossible, to monitor, reconcile and track. Small and mid-sized merchants have the same rights as big merchants – to know what markups are going to their merchant acquirer and their middlemen.

6. The right to a dedicated local service representative. Without the backing of a sophisticated purchasing organization, small and mid-sized businesses rely on their merchant acquirers for initial and ongoing training, deposit tracking and reconciliation and on-site technical support. Yet, after the initial sale, instead of helping their customers successfully manage the complexities of card processing and build successful programs, many merchant acquirers never visit them again. Small and mid-sized merchants have the right to a dedicated local service representative.

7. The right to encrypted card numbers and secure transactions. Hundreds of thousands of attempted system hacks are foiled every day by large card transaction processors. Yet, not all merchant acquirers guarantee encrypted card numbers and secure transactions. Many have not made the financial investment required to completely protect their systems. This puts every merchant – especially small and mid-sized ones who don’t have internal safeguards – as well as the millions of consumers who use credit and debit cards at risk. Small and mid-sized merchants have the right to encrypted card numbers and secure transactions.

8. The right to real-time fraud and transaction monitoring. Credit and debit card fraud costs American business billions of dollars every year. As such, real-time fraud and transaction monitoring are critical to a merchant’s business success. Unlike large merchants who have entire departments and controls devoted to detecting and preventing fraud, most small and mid-sized businesses rely on their merchant acquirers to provide the tools they need to do this required monitoring. Yet, many merchant acquirers don’t offer these tools and resources, leaving their clients exposed and vulnerable. Small and mid-sized businesses have the right to the same real-time fraud and transaction monitoring systems of larger companies.

9. The right to reasonable equipment costs. Availability of card processing equipment has become widespread – with warehouse clubs, consumer electronics stores and online auctions routinely providing this equipment at very reasonable costs. Yet, many merchant acquirers sell the concept of multi-year leasing, locking business owners into costly, non-cancellable long-term commitments. Small and mid-sized merchants have the right to reasonable equipment costs – and reasonable financing if they need it.

10. The right to live customer support 24/7/365. Today, card processing is mission critical for all business owners. As such, equipment failure during a busy period can be a debilitating blow to revenues, reputation and customer service. For merchants who don’t have the internal resources to immediately respond to and minimize service disruptions, a simple phone call with a support professional can often quickly resolve an issue. Similarly, emergency access that connects only to an automated phone line can turn a speedy resolution into a disaster. Small and mid-sized businesses have the right to effective, live customer support 24/7/365.

Rob Finley, Senior Vice President of the California Restaurant Association says, “We applaud Heartland Payment Systems in its effort to promote The Merchant Bill of Rights. Since its founding in 1997, Heartland has been a tireless advocate for small and mid-sized business owners. Today, its activism on behalf of our members has been taken to a new level, and The Merchant Bill of Rights gives our members – and merchants everywhere – the right to fair and equitable treatment.”

Carr concludes, “By promoting fair credit and debit card processing practices, The Merchant Bill of Rights will be a driving force for industry change. Its singular objective is to establish a level playing field where owners of small and mid-sized businesses have access to the same card processing resources and cost structures as large national retailers. We look forward to working with our colleagues in the card processing industry, our partners and merchants to standardize best practices and promote acceptance and adoption of The Merchant Bill of Rights.”

The Merchant Bill of Rights was established in 2006 to promote fairness and transparency in credit and debit card processing. The Merchant Bill of Rights provides small and mid-sized business owners with the same competitive edge major retailers with sophisticated internal purchasing organizations enjoy. For more information about The Merchant Bill of Rights, visit

Follow @PaymentsNews on Twitter!

To learn more contact Michael at Introduction

Michael J Rutherford
Direct line: 562.706.3637


Michael Rutherford represents Heartland, a fortune 1000 company and their proven solutions. He is a pro-active, highly-qualified, and self-motivated professional with a history of cultivating and maintaining Win/Win relationships.

Michael provides services for merchants who want to talk about solutions for their business. It is Michael’s intention to understand your needs and recommend solutions that can assist with improving your operations, sales, and financial performance.

Source: Introduction

Expanding Business is my Business

Domain Knowledge Matters



Michael Rutherford started in the Restaurant business in 1977. Since 2000, Michael has been helping restaurants operate, market, and manage their assets more effectively with information technology solutions.  Michael’s resources and management consulting significantly improves the performance for his clients restaurants with increased efficiencies and net profits through automated SaaS business solutions.

Over the past 18 years, he has worked with over 600 clients, independent and chain restaurants with 10 to 5,000 employees.

He is one of three Global Partner Sales Manager’s for Benseron Information Technology, developing partnerships with ISO’s, Resellers, and White Label Partners. Michael co-founded Local Merchant Solutions in 2014, as a Consortium of local technologists to serve the SMB community. These resources help to deliver highly trained and experienced subject matter experts and independent contractors in your local area. These resources are available nationwide who are ready to determine and solve the specific problems and issues in your business. navigation artifacts and project links

Other navigation links Michael’s Social Websites

A sophisticated social learning platform for professional development, performance improvement & capacity development.


To learn more about Michael’s history for introducing kowledge-transfer enterprise solutions visit his [8] ePortfolio webpages below:

  3. Private Social Networks for Associations
  4. Leadership and Developing Diversity
  5. Tracking Education and Credentials
  6. Technology Powered by Accredited Portfolios, LLC – Contents
  7. Technology Powered by Accredited Portfolios, LLC – Video
  8. The Millennial Workforce Development Community – Video

For more up-to-date Articles & Activity visit LinkedIn

PROFESSIONAL BACKGROUND STARTED IN 1985 (it really started back in 1976′-77′, at some point you stop counting)

1985 – Michael’s experience as a certified chef spans over a 7 year period shown in this video. He won several awards, medals and was a mentee under several highly skilled trained mentors. – Read More


1989 –
Michael’s first personal experience with the Internet started back in 89′ –
Read More

2000 –
Michael’s personal experience of automating the World of Commerce
Read More

2011 –
Michael’s personal experience of introducing the World of Web2.0 White Labled Private Social Networks. Read More

Other navigation links

For background information visit: Domain Knowledge Matters

Just Smart Guys


The eCommerce is an ever changing environment as service providers use big data to create ways of buying & selling for seamless integration to digital media & social platforms.

TODAY through the use of the Cloud we have developed Community-based Directories for implementing discount loyality programs.

Our services encompasses the design, scope and management when assisting Merchants witb digital content media.

Our customers based on our sit down interviews have shared their thoughts of the need for useful tools for restaurant managers to help to determine who are their ideal customer and what they enjoy.

“Create the best experience possible.”

Recruite more local buyers.

A merchant handing out a business card to every customer and letting them know they are available for these specific services goes a long way.

Imagine if more people shared this attitude.

Just ask Mike; “hand me a card”.

What is unique about this technology from your average free coupon app is:

You register as a member

You enter a 10 digit number assigned to your contact information

The consumer opts into the most awesome rewards marketing program that allows the consumer to search for rides and venues that offer incentives at their favorite restaurant, lounge and venue.

The App is real-time. Where each venue and taxi service can turn on or off the open or closed sign. It is like real-time billboard advertising on steroids.

The data allows different platforms and receivers (3rd party apps) to interface through an API.


“Invest Locally – Buy from a locally owned business”




Merchant Digital Marketing – Help Center, Web Services, Social Media and Email Marketing.

Visit the following link for information on the Features, Functions & Benefits: The Source CARD TECHNOLOGIES


Does your Brand Communicate?
We manage online media, organize data, analytic tracking, commercial email advertising, SMS, media marketing, mobile marketing, web development, web hosting, web design, video creative and production. We also offer viral media, business branding, custom software services, PHP development, print media and new business strategies. We cover just about everything and work with all types of local businesses and startups who want to grow fast. We offer fortune 500’s ideas with the best solutions at the right price.

Talk with us, we have a solution for you

All advertising media solutions are turnkey programs for companies and resellers with complete plug and play applications that are up and running in a few days. We support your needs and the personalization of your identity.

For the most advance local solutions ask about our network marketing to get the most from your investment.

Our concierge media service can assist and manage any arrangements for services that include TV, radio, PPC, billboard, magazine and print publications.

We do extensive research before we open up vendor negotiations with our media partners. We not only build strategies to benefit your outsource advertising investments, we do it right.

Our advanced data verticals that allow us to target and market products or services, capture people of interest and obtain orders at a lower cost than traditional advertising.

Digital media with managed data creates complete accountability with tracking reports and a call to action movement for a higher ROI.

Project Management /SaaS Deployments

As a leader for sales, marketing, accounts, and project management we deployed 30 to 40 projects per month. The specific technology served the needs for process management, cash control, marketing, customer CRM tools, financial accounting, and labor scheduling, inventory, and order entry for product preparation. The enterprise solutions included modules for above store reporting, performance improvement and business intelligence.

The projects & deployments represented the following technology:

Web 2.0 – Performance improvement services
Web 2.0 – Resource management services
Enterprise – Business Intelligence services
Enterprise – Business process management services


Sales Manager – Western Region

Company NameRadiant Systems /Acquired by NCR

Dates Employed 2003 – 2011

Employment Duration 8 yrs

Location Irvine, California

• Annual revenue contribution went from $2.5MM to $17.5MM in less than 3 years
• Achieved 100% quota each year – as high as 125% from 2004 through 2009
• Sales Manager/Trainer for coaching and developing sales people in a consultative selling environment
• Responsible for partnering with resellers, project & program managers
• Developed regional tactical plans to successfully sell, service and support enterprise software, hardware, professional services to independent, franchised and corporate chain accounts.
• Sales processes using CRM, KPI, and territory management strategies (SPIN, TAS, Miller Heiman)
• Managed client & IT Engineer relationships to maximize service expectations by aligning strategies with service expectations through RFP, SOP, SLA’s & MSA’s
• Developed and manage financial projects, incentive plans, forecasts, budgets, territory schedules, application specialists for CRM, HRM & Enterprise managed services
• Managed and designed graphics and print production for sales & marketing.
• Received numerous awards and commendations for superior sales performance and contributions.

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Source details: Project Management /SaaS Deployments