Abstract: A method for implementing a flat fee structure for credit card processing, which simplifies the fees charged to a merchant from an ISO. The flat rate processing fee may cover processing for a particular merchant for a specified period of time.

Abstract: A method for discounting costs of credit card processing for merchant participants is disclosed. A first account is associated with a first one of the merchant participants, and a unique referral identifier may be assigned thereto. A request to process one or more credit card transactions on behalf of the second one of the merchant participants is transmitted along with the referral identifier. The credit card transactions have a cost differential, from which a first fee reimbursement value is derived. The first account is credited based upon the first fee reimbursement value.

Abstract: A disposable insulated drinking cup includes an inner liner, an outer annular shell, and an air-filled spacer between the liner and shell. The spacer includes a corrugated wall adhered to a backing sheet. Both the corrugated wall and backing sheet are of thin-wall construction to maximize the air volume and insulation properties of the spacer.