TM Our Partners • USDA – Food & Nutrition Service • National Association of Farmers Market Nutrition Programs (NAFMNP) • The NOVO DIA Group, Mobile Market+TM • WorldPayTM What Is MarketLinkTM ? MarketLinkTM is a Complete Technology Solution. MarketLinkTM provides new state-of-the-art equipment to direct-marketing farmers and farmers markets to increase sales and build customer base. MarketLinkTM is a national program with a solution for ALL farmers and farmers markets! MarketLinkTM Options Eligible for FREE terminal T M •New iPhone, card reader, and printer with one-year warranty to process ALL SNAP, Debit, and Credit Card Transactions, wherever you sell. • Unlimited Mobile Market+TM data services for 2 years. • No annual fee for Merchant processing account with WorldPayTM the first year. • World-Class Technical Support from day one! Not eligible - need terminal & service • Purchase terminal(s) and card reader(s) and get the processing plan Not eligible - need service • Sign up for the processing plan if you have a compatible terminal already Why MarketLinkTM ? Expanded customer base Less than 40% overlap of FMNP and SNAP clients; so 60% of SNAP participants are new customers! Increased sales Largest reason why purchases are limited at markets is people run out of cash. Best rates for processing electronic payments 48 hour payment settlement for all transactions Nationally negotiated rate on behalf of farmers and markets SNAP Facts Supplemental Nutrition Assistance Program Who is eligible: any person who qualifies based on income and household factors 46 million Americans (13%) received SNAP in FY12 Eligible foods: All fruits and vegetables; meats, fish, and poultry; cheese and dairy products; eggs; baked goods; processed foods; honey, cider, juices; herbs (plants and bunched); plants & seeds that bear fruit Ineligible foods: Non-food products, wine and alcohol products, hot foods, foods meant to be eaten on-site Why Accept SNAP? $86.5 billion National Benefit Totals ($) program nationwide 800 $16m through FMs last year (less than 2/10%) 700 Program expands number of customers AND products (beyond fruits & vegetables). 500 600 400 2012 300 200 100 0 FMNP SNAP FMNP & SNAP: Complementary Programs FMNP and SNAP are programs with similar goals – to expand access to food. With the addition of SNAP at your market or stall, you can help more customers access more food beyond fruits and vegetables. SNAP participants can use their benefits for fruits and vegetables PLUS other foods. By using FMNP and SNAP together, a market shopper can buy foods from all of the food groups. FMNP + SNAP = more sales for farmers. Grow Sales with Electronic Payments Community Merchants USA, reported in Forbes Magazine that only 27% of sales today are completed in cash. Cash sales are estimated to drop to less than 23% in the next four years. In Washington State Research – only 6% transactions were in cash! The Bottom Line This program is a great opportunity for you to try accepting electronic payments without investing your own money for equipment. This is Your Opportunity This is your opportunity to see how accepting SNAP, credit & debit grows your bottom line! No other program exists today to give direct-marketing farmers or farmers markets: New, state-of-the-art technology, A free payment processing account for SNAP, debit, and credit cards for one year, Significantly lower transaction fees, and only pay the per transaction fees!, and Not spend a penny for the equipment or the data plan for two years! MarketLinkTM is your best opportunity to sell your products the way most consumers want to pay for them! Support from Market Link TM Technical support from initial sign-up through USDA SNAP-authorization from the MarketLinkTM Team! Tailored setup assistance of your iPhone and the application that processes all transactions – Mobile Market+TM Technical Support Help Desk available Commitment from MarketLink’s TM own Customer Support Team—people who understand directmarketing farmers and farmers markets! USDA Funding This is a program for directmarketing farmers and farmers markets that are not currently SNAP-authorized. Eligibility Free Terminal Program Direct marketing farmer Participating in at least one market that is not already SNAP authorized OR Farmers market not currently accepting SNAP Eligible for Support from NYS program: Direct marketing farmer Farmers Market CSA Mobile Market Free Terminal Program: Fees & Commitments iPhone with card reader Wireless data service (2 years) Annual fee for payment processing (1 year) License Fee for MobileMarket+ application Transaction fees Total Year 1 Year 2 Year 3 $0 $0 $0 $0 $0 From $30/month* $0 $120 $120 $0 $0 $100 SNAP: 15 cents per transaction Credit & debit: 1.79% of sale plus 15 cents $0 $120 *This varies by provider (Verizon, AT&T, TMobile, etc.) $220 NYS Program adds on: Training Promotional materials Signage Tokens Fee reimbursement: Transaction fees ((SNAP only) Annual processing fee Annual licensing fee Market LinkTM Signup First, you must have a working email address and a bank account. Email is the primary method for communication. Your bank account is how you receive payments. Complete the on-line NAFMNP Eligibility Questionnaire: Your answers will determine your eligibility to qualify for the free terminal program. Submit your USDA application to become SNAP-authorized. Submit copies of photo ID and Social Security card. Complete the payment processor application. Setup terminal once it arrives. Our expedited process through USDA means that you have the best opportunity to be up and running in a month or less! Terminal Set-Up Once approved by USDA and after you have completed WorldPayTM Merchant Agreement, you will receive your new iPhone from MobileMarket+TM. Unpack and charge your iPhone. Use the QuickStart Guide to prepare to accept transactions or contact MarketLinkTM Customer Support Desk for Training and Orientation. Using Your Terminal Use it at the farmers markets where you sell. Use it at your farm stand, PYO, or anywhere you sell. Your terminal is easy to use and your Quick Start Guide will show you step-by-step how to complete a sale. You will print a receipt for all of your electronic payments. Each transaction sends to WorldPayTM. Your payments are processed and deposited to your bank account within 48 hours. Your responsibilities Maintain adequate funds in your checking account to cover fees Reconcile your account monthly Farmers market mandatory training via webinar Farmers must accept payment ONLY on SNAP eligible products Treat SNAP customers with dignity and respect Be prepared to accept SNAP payments throughout the market hours, each market day SNAP Eligible Products All fruits and vegetables Meats, fish and poultry Ineligible Products: Cheese and all dairy products Eggs Baked goods Processed foods • Non food products • Wine & alcohol products • Hot foods • Foods meant to be eaten on site Maple/honey/cider/juices Herbs – plants and bunched Plants and seeds that bear food Data Available to You Ability to retrieve a transaction Weekly, monthly, annual sales data Great tool to track all of your electronic sales Promotion Banners Signage Media kit Snaptomarket.com Nylocalfood.com 6050W Rule • Must provide FIS with a Taxpayer ID Number • FIS must issue 1099K for total sales data with copy to IRS and to merchant • 1099’s to farmers – Except: • • • If a nonprofit: report on 990 with offsetting expenses • • Unredeemed tokens are maintained as an accounts payable If under a personal SSN: report on Schedule C-EZ • • not required if total # of farmers is less than 50 Not required if total number of reimbursements per farmer is less than 200 and total reimbursement per farmer does not exceed $20,000 Show income with offsetting expenses Seek advice of your own tax accountant/attorney Program Advantages Free state-of-the-art technology Expedited approval The best overall value Unmatched support from a partner team that understands direct-marketing farmers and farmers markets and who want you to succeed! Contact the team at: Phone: 443-212-8084 Email: [email protected] Paul Darby, [email protected] Amy Crone, [email protected] www.marketlink.org You can still contact us! The Farmers Market Federation of NY still provides SNAP assistance to all farmers and markets in NYS! [email protected] 315-637-4690 Next Steps Applications: USDA FNS SNAP certification WorldPay third party processor Your Options: Do now through the work stations set up Use http://www.nafmnp.org/marketlink on your own. Questions?