MarketLink TM - Farmers Market

Our Partners
• USDA – Food &
Nutrition Service
• National Association
of Farmers Market
Nutrition Programs
Group, Mobile
• 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
•New iPhone, card reader, and
printer with one-year
warranty to process ALL
SNAP, Debit, and Credit Card
Transactions, wherever you
• Unlimited Mobile
Market+TM data services for 2
• No annual fee for Merchant
processing account with
WorldPayTM the first year.
• World-Class Technical
Support from day one!
Not eligible
- need
terminal &
• Purchase terminal(s) and
card reader(s) and get the
processing plan
Not eligible
- need
• 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
 Best rates for processing electronic
48 hour payment settlement for all
 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
Why Accept SNAP?
 $86.5 billion
National Benefit Totals ($)
program nationwide
 $16m through FMs last
year (less than 2/10%)
 Program expands
number of customers
AND products (beyond
fruits & vegetables).
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
 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
 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
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
 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
 Tailored setup assistance of your iPhone and the
application that processes all transactions – Mobile
 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
Free Terminal Program
 Direct marketing farmer
 Participating in at least one
market that is not already
SNAP authorized
 Farmers market not
currently accepting SNAP
Eligible for Support
from NYS program:
 Direct marketing farmer
 Farmers Market
 Mobile Market
Free Terminal Program:
Fees & Commitments
iPhone with card
Wireless data
(2 years)
Annual fee for
processing (1 year)
License Fee for
Transaction fees
Year 1
Year 2
Year 3
From $30/month*
SNAP: 15 cents per transaction
Credit & debit: 1.79% of sale plus 15 cents
*This varies by provider (Verizon, AT&T, TMobile, etc.)
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
 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
 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
 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
Baked goods
Processed foods
• Non food products
• Wine & alcohol
• Hot foods
• Foods meant to be
eaten on site
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
 Banners
 Signage
 Media kit
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]
You can still contact us!
The Farmers Market Federation of NY still provides
SNAP assistance to all farmers and markets in NYS!
[email protected]
Next Steps
 Applications:
 USDA FNS SNAP certification
 WorldPay third party processor
 Your Options:
 Do now through the work stations set up
 Use on your

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