MarketLink TM - Farmers Market
MarketLink TM - Farmers Market
• USDA – Food &
• National Association
of Farmers Market
• The NOVO DIA
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!
•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!
• Purchase terminal(s) and
card reader(s) and get the
• 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!
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
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?
National Benefit Totals ($)
$16m through FMs last
year (less than 2/10%)
number of customers
AND products (beyond
fruits & vegetables).
FMNP & SNAP:
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
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
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
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!
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
Farmers market not
currently accepting SNAP
Eligible for Support
from NYS program:
Direct marketing farmer
Free Terminal Program:
Fees & Commitments
iPhone with card
Annual fee for
processing (1 year)
License Fee for
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:
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
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!
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
Maintain adequate funds in your checking account to
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
Cheese and all dairy products
• 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
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
Free state-of-the-art technology
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:
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!
USDA FNS SNAP certification
WorldPay third party processor
Do now through the work stations set up
Use http://www.nafmnp.org/marketlink on your