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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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Credit card fraud cost businesses $11.27 billion in 2012, according to the Nilson Report, including the cost of lost merchandise and chargeback fees. As criminals have become more sophisticated, businesses are challenged to protect themselves, catching fraud early to avoid costly losses. If businesses can learn to spot a bad credit card number from the beginning, they can turn suspicious purchases away and avoid problems. But how does a business reduce fraud without turning away valuable income? Spotting credit card fraud has become even more complicated in an era of card-not-present transactions, where businesses can’t verify signatures or check IDs of customers. There are a few ways credit card fraud can be detected, both in store and over the internet. Here are a few tips for detecting fraudulent transactions at the point of sale. Use Verification With Address Verification Service (AVS), the billing address of the customer is compared with the billing address entered online or given by phone. If the two come back as a mismatch, the transaction is declined. While some address mismatches can be due to customer… Read more

A businesses Point of Sale (POS) system is the heart of its operations, processing payments and tracking purchases. Whether a POS is installed in a storefront or attached to a on online store, it’s important that it has the right features to help a merchant maintain its commitment to customer service. Many retailers are discovering the benefits that the right POS solution can bring to other business areas, as well. When integrated with other systems, daily transaction information can be input directly into an organization’s accounting software, CRM, HR management solutions and more. By connecting these systems, a business can streamline operations, removing process to save time and money. Inventory Through POS The best tool for tracking a business’s inventory is its POS. The right processing software ties in with a business’s inventory, removing an item as it is purchased. Many of today’s brick-and-mortar stores also have online presences that require updated inventory lists, as well. Thanks to big-box retailers, customers are growing accustomed to being able to search a business’s website for an item and learn how many are… Read more

Despite the emergence of NFC-enabled payments, cash still remains a relevant player in today’s consumer market. For low-dollar purchases especially, consumers still prefer to pay cash, despite the fact that most retailers have no minimum spending limits on credit card usage. If a purchase’s total comes to only one or two dollars, cash payment is especially likely, even when a customer is earning reward points or cash back for each dollar spent on a credit card. As consumers begin to enjoy the convenience of credit card payment by smartphone, however, the shift away from cash may continue. By just holding a smartphone or smartwatch near a reader, consumers can pay for items without even extracting a wallet. Along with several other benefits, credit and debit cards are continuing to win the payment war. 1. Convenience At one time, cash seemed to be the easiest way to pay at the register, since personal checks required a great deal of writing and credit cards had to be copied using an imprinter machine. As that technology evolved, it became easier for customers to… Read more

When a business sets up an online store, one of the first priorities is finding a way to allow customers to pay. Online payment services like PayPal can be great as a temporary fix, especially for startups building their businesses on sites like Etsy and eBay. However, to truly attract sales, your business’s website should make every effort to give the appearance of a full-scale operation that competes with the biggest names in the business. Accepting all major credit cards directly on your site is an important first step in the right direction for your site. Best of all, it’s the easiest task to accomplish, with processing services often handling the vast majority of the work. Within a matter of hours, a company can have credit card processing functionality on a website, allowing it to move on to other tasks. Here are a few reasons you should set up credit card processing for your website. More Sales The goal of any online store is to sell items. No amount of marketing will help, however, if customers are turned away by… Read more

Whether you’re enjoying happy hour with associates or heading out on the town with your friends for the night, the issue of cash vs. credit always emerges. Should you stop by the ATM machine on your way to the bar or use your credit card to pay for drinks? While cash may seem the easiest way to pay in a bar setting, there are several reasons it’s best to take plastic along. You Won’t Run Out of Money One of the biggest problems you’ll face as you stop by the ATM on your way to the bar is knowing how much money to withdraw. Even if you think you’re getting enough money out, you often have no idea where the evening will take you. Will you run into a long-lost friend and want to buy a round of drinks for the two of you? Will the drinks cost more than you expect? Plastic gives you the flexibility to purchase as many drinks as your credit line can support, allowing you to go through your evening worry-free. You Can Keep a… Read more