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There is true power in numbers. Through your TRA membership, our Association is able to find programs that save you time and money. Retailers need to spend more time on the floor selling and not in the office on issues that are costly and unproductive. Because our members generate volume, TRA is able to find and endorse turnkey, money-saving programs and services to help you run your business. Below are some of the TRA programs that add great value to your TRA membership:

Credit Card Processing Solutions
The TRA Visa/Mastercard discount program is one of our most popular programs. TRA is constantly shopping the market to ensure that our program offers low rates, few fees, and exceptional service. With the volume of business generated by the TRA membership, Global Payments, Inc., continues to be one of the most competitive programs around. For more information, please contact TRA at txretailers@txretailers.org.

Health Insurance Solutions
Affordable health insurance coverage for owners and employees continues to be a major problem for independent retailers. Working with Benefit Designers of Texas, Inc., TRA members have access to an insurance agency that markets traditional health insurance, dental, life, and small employers’ coalition group coverage. They constantly shop the insurance market to find TRA members tailor made plans. For more information, please contact TRA at txretailers@txretailers.org.

Electricity Solutions
Give TRA’s endorsed energy program a try. CETX Energy Agency, an affiliate of Competitive Energy Services, is an established energy services company that has built a solid and remarkable reputation by acting solely on its clients’ behalf. CETX represents the buyers of electricity, not the sellers or suppliers. By forming an agency relationship with our clients, it utilizes the full value of our market intelligence. With its industry experience, proven procurement strategies, and technological processes to assist CETX clients, it obtains the best prices, terms and conditions, and ease of transaction for its customers’ electricity supply. CETX services include: electricity procurement, ongoing client support services, and strategic planning and implementation. For additional information, please contact TRA at txretailers@txretailers.org.
Hot Check Solutions
As a member of TRA, you may now sign up for a service with FEDChex that will enable you to collect non-sufficient fund (NSF) checks more quickly and reliably, with far less effort. FedChex is now offering our members a one-time set up fee of $75, a discount of more than 60% off its lowest rate for non-TRA members. For more information, please contact TRA at txretailers@txretailers.org.
Tax Solutions
Ryan is the leading tax services firm in North America, with the largest transaction tax practice in the United States and Canada. Headquartered in Dallas, Texas, the Firm provides a comprehensive range of state, local, federal, and international tax advisory and consulting services on a multi-jurisdictional basis, including audit defense, tax recovery, credits and incentives, tax process improvement and automation, tax appeals, and strategic planning. With a multi-disciplinary team of more than 750 professionals and associates, Ryan serves many of the world’s most prominent Fortune 1000 companies. For more information, please contact TRA at txretailers@txretailers.org.
Database Management, Demographics, and Market Segmentation Solutions
Since 1994, Buxton has been the industry leader in customer analytics for the retail industry. With more than 450 years of executive-level retail and community management experience, no other company in the nation is more qualified to help you answer the question, “Who is my customer?” Buxton draws from its database of more than 111 million households to identify customer’s lifestyles, behavior patterns, and buying habits to accurately advise retail and restaurant chains where to locate new stores and target their marketing message. Among its more than 1,100 clients are H-E-B, California Pizza Kitchen, Dave & Buster’s, The Container Store, Pier One, and FedEx Kinko’s. For more information, please contact TRA at txretailers@txretailers.org.
Accounts Receivable Services
It starts with a thorough look at your objectives and practices. Based on this information, IC System will tailor a plan that will work for your company. The plan is geared toward automating your collection process and maximizing results. They will also make recommendations to expand or enhance your debt collection practices through several value-added services. For more information, please contact TRA at txretailers@txretailers.org.

Online Education
LearnSomething, Inc. provides online training courses for grocery, retail and pharmacy staff on topics such as loss prevention, food safety and preventing fraud, waste and abuse. For more information, visit TRA's education section.
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