The Hilltop Group, LLC is owned by Michael & Kathy McCabe.
Michael works in Emitsburg, MD at the National Fire Academy, and Kathy spends her days as a very busy virtual office assistant to a host of national and international clients. In their off time, they relax by doing various things including Michael's Art Glass, and Kathy's graphic designs, photography, heraldic arts, & Hilltop Herbals.
They live in Fairfield, PA with their Miniature Dachshund children, Mac & Ginger
At The Hilltop Group we promise 2 things:
We will never charge a merchant fee surcharge! We consider it a cost of doing business, and taking credit cards and or using a payment gateway is a convenience that increases our customer base. (More about merchant surcharging at the bottom of the page.)
Specific to Hilltop Herbals products, we are not doctors and cannot guarantee a product's effectiveness for each individual. We can only state what has worked for us and for those who have tested it or purchased it.
More on Merchant Surcharging: Read Kathy's Blog about this.
Merchant Surcharging – Understanding Payment Card Changes
What is a Surcharge?
A payment card surcharge is a fee that a retailer adds to the cost of a purchase when a customer uses a payment card.
Changes to Surcharging Fees in the United States
Beginning January 27, 2013, merchants in the United States and U.S. Territories will be permitted to impose a surcharge on consumers when they use a credit card.
What This Means for Consumers
* Consumers will pay an additional fee when they use their credit card at retailers that decide to surcharge.
* Consumers should be aware there are limits to the amount merchants can surcharge.
* Retailers are permitted to apply a surcharge to only credit card purchases and cannot impose a surcharge for purchases made using a debit or prepaid card.
* If retailers intend to impose a surcharge on credit card purchases, they are required to notify customers before customers make an actual purchase at the store entrance and at the point of sale – or in an online environment, on the first page that references credit card brands.
* Retailers must disclose surcharge fees on every receipt – both in store and online.
* Carefully review receipts where checkout fees should appear.
* Retailers Can Offer a Discount for Cash and Check Purchases
* Retailers can encourage their customers to use other forms of payment, such as cash and checks, and can discount for PIN debit and cash.