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With so many credit card processing companies available to pick from, it can be a daunting task to find the one that is the perfect fit for your business. You want to make sure you find one that will have all the features and services you are looking for. Additionally, you want to make sure you pick a company that is solid and reputable
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It can be a customer service killer. A customer goes on vacation, only to find his credit card has been put on hold due to its sudden use in an unfamiliar location. Because of the massive inconvenience this poses for customers, credit card companies have mostly refrained from this practice, despite the fact that a sudden change in location is a red flag for fraudulent activity. Visa is planning to refine the practice, though, hoping to provide a more accurate way of detecting problems. A new service, called Mobile Location Confirmation, will match the location of a cardholder’s registered mobile device with the location where that card is being scanned. When the system detects the user’s card is in a new location, geo-location technology can be used to confirm the card’s proximity to its owner for more accurate fraud protection. But does it really reduce the risk of fraud or will it only lead to new risks? How It Works To participate in the new service, a Visa cardholder will be required to download a mobile app from his bank… Read more

A data breach can be one of the worst things to happen to a business, causing difficult-to-repair reputation damage and taking a large chunk out of its budget. With data breach insurance, a company has the protection it needs to reduce financial loss in the event of a cyber attack. This insurance usually covers legal, forensic, and business interruption costs in the event of a breach, as well as the expense of providing credit or identity protection as mandated by the court. But data breaches are only one way a business can be impacted by fraudulent activity. Each day, companies accept credit cards as payment from valued customers. Even the most careful business will eventually learn that it has been a victim of credit card fraud. What protections, if any, does data breach insurance offer in this instance? Types of Credit Card Fraud There are multiple ways a company can fall victim to credit card fraud. The most obvious is that a stolen credit card is used to purchase products or services. This can be done in a store or… Read more

When people think of credit card processing, often they associate it with customer-facing businesses like retailers and restaurants. However, as credit cards have become more prevalent, service-oriented businesses have found that it is the best way to process payments, as well. Instead of relying on paper checks, they’ve realized they can now accept credit card payments. Attorneys have long worked on a billing system, collecting hours and sending out invoices at designated periods. Clients traditionally simply mailed a check to pay fees each month, but in recent years new options have emerged. As with other service-based businesses, there are many benefits to offering credit cards as a payment option. Convenience Reduces Procrastination When a client is required to jump through hoops to make payments, he’s more likely to put it off for a later day. For attorneys who send bills electronically, notifications may come through while a client is running errands or racing from one business meeting to another. Paper-based bills arrive in the mail, where they can easily be set aside for payment as the deadline draws closer. When… Read more

As the weather starts to warm up, residents across the country will consider setting their belongings up on tables with price tags, hoping to make a little money while also getting rid of some unused items. If a yard sale is part of your warm-weather plans, you’ll face a few decisions, including one that may not have been a part of your last yard sale. Credit cards have increasingly been making an appearance at short-term events like flea markets and craft sales. Credit card companies now provide mobile card readers that allow anyone with a smartphone or tablet to accept plastic, giving everyone the chance to take credit card payments. This extends to the yard sale table, where homeowners are gradually phasing out the cashbox in favor of the swipe and sign. Make More Money One of the biggest objections homeowners have to credit card is the small fee charged on each transaction. However, research has shown that customers spend more when they’re paying by cash as opposed to credit. Cash-based customers are limited by the amount of money they… Read more

Site analytics have become an essential part of running an ecommerce operation. Unlike brick-and-mortar stores, a website separates a business from its customers, since they can’t personally witness them interacting with their products. Through the use of today’s advanced analytics software, an ecommerce site can determine information like which products are drawing interest, the exact point at which customers abandon shopping carts, and the time of day when customers are most likely to purchase. Payment processing providers have become increasingly aware of the importance of analytics to today’s business owners. If you own an ecommerce site, you may already have analytics in place for that end of things, but what about your payments? There are a variety of options that can help give you the information you need at no additional expense. National Sales Trends Most payment processors offer basic monthly reporting that details income and fees. However, this information is insufficient to make true business decisions. First Data offers its advanced analytics tools to merchants of all sizes through an online portal. These solutions include its patent-protected report that… Read more