A Barter or Trade Exchange is a very simple concept and has been part of the world economy since the beginning of time. Like Visa, Mastercard, American Express and your own bank TradePays acts as a third party record keeper for transactions between business owners. Except! Instead of using cash or credit the business owners buy and sell using Trade Dollars. For instance, If a clothing store provides $1,000 in goods to a TradePays member, the clothing store now has $1,000 in Trade Dollars that they can spend with another business who belongs to the exchange. This allows each business owner in the exchange to purchase goods & services at their wholesale cost, that means everything you buy with Trade Dollars is bought at a discount. Your goods and services are sold for Trade Dollars at their retail value, so those Trade Dollars only cost the selling business owner the cost of the good & services.