Credit Card Fees Are Changing: What It Means for Your Business

4/15/2026

A message from Merchant Owl, a TNLA Endorsed Service Provider

If your business accepts credit card payments, especially if you work with contractors, municipalities, or other businesses, a recent change from Visa could impact your costs.

Effective April 16, 2026, Visa is discontinuing its Level 2 data program. While the name may not sound familiar, this program allowed many B2B businesses to qualify for lower credit card processing rates when certain transaction details were included.

With this change, some businesses may see higher processing fees when accepting purchasing cards.
There is still an opportunity to reduce costs but it now requires capturing additional information at the time of the transaction and using the right systems to properly process that data.

What this means for you:

If you’re not set up correctly, you could be paying more than necessary in card fees especially during your busiest season.

The good news is that there are ways to minimize the impact. Working with the right payment provider can help ensure your transactions are structured to qualify for the best possible rates.

Merchant Owl, a TNLA Endorsed Service Provider, has worked alongside the green industry for over 20 years and helps businesses evaluate their current setup and identify opportunities to reduce costs.

TNLA members can receive a free consultation no current relationship required.

More information can be obtained by contacting Rich Kling at Merchant Owl. We can help evaluate your current situation and make recommendations as needed to assist you in qualifying your transactions at the best level (cost) possible.

[email protected]
888-996-4695
Book a meeting
www.merchantowl.com/tnla

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What’s Blooming at TNLA: Member Benefits That Help Your Business Grow

3/6/2026

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Spring is one of the busiest seasons for the green industry. As work ramps up across Texas nurseries, landscape companies, and garden centers, it’s also a good time to take a fresh look at the resources available through your TNLA membership.

Many members know TNLA for its events, advocacy, and education—but another important benefit is access to exclusive savings and vetted service providers designed to help your business operate more efficiently.

Over the years, TNLA has partnered with companies that provide services our members rely on every day. These Member-Endorsed Service Providers and Benefit Partners offer tools, discounts, and services that support your business operations while helping reduce costs.

Thanks to the collective buying power of TNLA members, we’re able to negotiate competitive pricing and programs on your behalf.

So this spring, here’s a quick refresher on what’s blooming in TNLA member benefits.

TNLA Endorsed Service Providers

TNLA carefully evaluates companies that provide essential services for businesses in the nursery and landscape industry. Endorsed providers are selected because they offer strong service, industry understanding, and meaningful savings for members.

Current TNLA Endorsed Service Providers include:

Texas Green Industry (TGI) Safety Group
Workers compensation insurance designed specifically for the Texas green industry.

Merchant Owl
Special member discounts on credit card processing services. Rich Kling, 407-883-2246 | [email protected].

Spectrum VoIP
Cloud-based VoIP phone systems designed to support growing businesses. Contact Justice Hill 469-384-2402

These providers help TNLA members access reliable services while potentially lowering operational costs.

TNLA Member Benefit Partners

In addition to endorsed providers, TNLA also partners with organizations offering discounts and programs that support your team and your business.

These partnerships include savings on everything from fuel to office supplies and employee benefits.
Examples include:

SiteOne Landscape Supply
New 2026 TNLA members qualify to receive a FREE Pro-Trade long-handle shovel at participating branches.
View printable flyer HERE or visit their website for a general overview HERE

Coast Pay Fuel Card
Earn up to a $2,000 sign-up bonus, with many businesses reducing fleet fuel costs. Learn more: https://coastpay.com/lp/tnla-member-offer/

Office Depot / OfficeMax
Members can receive up to 75% off thousands of office supply products. For in store purchases use Account #80124841998 - For online purchases go to tnla.savingcenter.net

Avis & Enterprise
Discounted rental car rates for business travel. Use the AWD code U059686 for up to a 25% discount. Enterprise-Use code 65A1840 and Company name (TEX) for a 10%discount on the lowest internet rate. Fleet services include discount on fuel and new vehicle purchases.

Group Management Services (PEO)
Access competitive HR, payroll, and employee benefits solutions. Learn more at group-mgmt.com or call Jared Kosser-Smith at 737-999-1604.

Irrigation Association
TNLA members receive $100 off contractor membership dues.

Texas RX Prescription Savings Card
Up to 75% savings on prescriptions for members and their families. For questions, contact Debra Adler [email protected] or call 770-313-7261

LegalShield
Business legal solutions with waived initiation fees for TNLA members. Call George Ellison at 512.791.8791

AAA Membership
TNLA members receive $30 off AAA membership. Contact Todd Alexander at [email protected] or call 832-339-3605.

These programs are designed to deliver real value for members and their employees.

Why TNLA Vetting Matters

Every endorsed provider and benefit partner is reviewed to ensure they offer high-quality services, strong value, and reliability for our members.

This means you don’t have to spend time researching vendors or negotiating rates on your own—TNLA has already done the work to identify trusted partners.

The goal is simple:
✔ Help members save money
✔ Provide reliable business solutions
✔ Support the success of Texas green industry companies

Take a Fresh Look This Spring

As the busy season gets underway, it’s worth taking a few minutes to explore the programs available through your TNLA membership. You may discover a benefit that helps streamline operations or reduce expenses for your business.

👉 Explore all TNLA Endorsed Service Providers and Benefit Partners here:
https://www.tnlaonline.org/endorsed-services--discounts.htm

endorsed_services_-_member_benefit_partner_flier_3-3-2026.pdf
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Because when members grow stronger, the entire industry grows stronger too.

TNLA… Helping you do business better

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Upcoming Events

Credit Card Fees Are Changing: What It Means for Your Business

What this means for you:

What’s Blooming at TNLA: Member Benefits That Help Your Business Grow

TNLA Endorsed Service Providers

TNLA Member Benefit Partners

Why TNLA Vetting Matters

Take a Fresh Look This Spring

Meet TNLA’s New Chairman, Devin Guinn

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Upcoming Events

Credit Card Fees Are Changing: What It Means for Your Business

What this means for you:

What’s Blooming at TNLA: Member Benefits That Help Your Business Grow

TNLA Endorsed Service Providers​

TNLA Member Benefit Partners

Why TNLA Vetting Matters​

Take a Fresh Look This Spring​

Meet TNLA’s New Chairman, Devin Guinn

Author

Archives

Categories

TNLA Endorsed Service Providers

Why TNLA Vetting Matters

Take a Fresh Look This Spring