SOMERVILLE, NJ – Small business owners should benefit from a 90-minute presentation on credit card transactions and the Merchant Bill of Rights hosted by Office Evolution, 50 Division St., Suite 501 on Feb. 13 beginning at 5:30 p.m.

“Credit Cards? How Much Do You Know?” will be moderated by Melissa Hammer, Relationship Manager for Heartland Payment Systems who has been helping customers solve their business financial problems for over 15 years.

“Accepting credit cards may be an essential part of your small business - but how much do you know about security and industry pricing models,” said Suhash Bhavsar, co-owner of Office Evolution.?

Sign Up for E-News

The Merchant Bill of Rights was established to promote fairness and transparency in credit, debit and prepaid card processing. Proposed as an industry standard, it educates business owners about the complexities of card processing and managing the associated costs.
Key components of the Merchant Bill of Rights:

- The right to know the fee for every card transaction - and who’s charging it.

- The right to know the markup of Visa®, MasterCard®, Discover® Network and American Express® fee increases.

- The right to know all Visa, MasterCard, Discover Network and American Express fee reductions.

- The right to know all transaction middlemen.

- The right to know all surcharges and bill-backs.

- The right to real time dedicated service.

- The right to encrypted card numbers and secure transactions.

- The right to real-time fraud and transaction monitoring.

- The right to reasonable equipment costs.

 - The right to live customer support 24/7/365.

Hammer has been working in northern and central New Jersey and Pennsylvania for over 30 years. She is established in many local networking groups including several Chambers of Commerce - Bernards Township Regional, Hunterdon, Phillipsburg, Lehigh Valley and Business Women Networking Involving Charity and Education; she is vice president of the BWNICE Board of Trustees.

Office Evolution is located across the street from the Somerville Post Office.

Seating is limited. Further information is available online at