BUDGETING FOR DIRECT AND INDIRECT COSTS
Wireless SNAP/EBT and Credit/Debit POS Equipment MarketLink offers direct-marketing farmers and farmers markets access to a smart device-based app that can process multiple payment types, including SNAP/EBT, eWIC, and credit/debit all within a single system. MarketLink operates as a bring-your-own-device program, meaning participants must use their own smartphone or tablet with a compatible data plan (iOS or Android, all major carriers supported). Participants receive free access to the TotilPay Go mobile application for the first year, along with a complimentary card reader. Additionally, the printer waiver extends beyond the first year all as a result of a grant funded by USDA. If a threshold of $500+ in SNAP sales is met each year, the grant can renew each subsequent year. Service and Transaction Fees Payment processors, which facilitate SNAP/EBT and credit/debit transactions, typically charge annual processing fees, transaction fees, and wireless data costs. With MarketLink, there are no fees for the card reader, and SNAP/EBT transactions are always free. The TotilPay Go app is provided at no cost for the first year and can be covered by the grant in subsequent years as long as $500+ in SNAP sales have occurred during the prior year. Credit and debit transaction fees depend on the chosen payment processor. Costs for other POS systems vary, and while processors often charge transaction fees for SNAP/EBT, they may be lower than the fees to process credit and debit transactions.
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