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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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The PCI Security Standards Council pegs losses from PIN pad skimming at $2 billion a year! The average loss from this crime is $50,000. It’s something that has affected huge retailers like Walmart, along with other businesses of all sizes. Since skimming is the leading type of third-party card fraud and also accounts for 92% of all crimes at ATM machines, we want to cover exactly what it is, along with if it’s possible for businesses to protect themselves against this crime. How PIN Pad Skimming Works If a criminal decides they’re going to execute PIN pad skimming, the first step is for them to install a hidden recording device. What this device does is reads the magnetic stripe on the back of credit and debit cards. The next step is the installation of a fake overlay that looks and feels exactly like an actual terminal keypad. Once those two steps are done, a consumer can swipe their card and then type in their PIN without having any idea that the machine they’re using is compromised. This is just as… Read more

Most businesses are always trying to learn more about their customers. By understanding who their customers are and what they want, businesses can create the best possible products and experiences. When it comes to the different experiences that customers have, one of the most significant is checking out. Whether it’s in person or online, the act of paying is a critical time in any customer journey. Businesses that dial in this experience can ensure that they maximize the number of transactions that are completed and make it more likely that customers will buy again in the future. On the other hand, a business that falls short in this area can lose current and future revenue. If you want to prevent that from happening, it’s helpful to know how customers prefer to pay. Since that’s a big topic to tackle, we’ve found that one of the best ways to break it down is by age group: Millennials With over 75 million people in this generation, it’s one that all businesses need to care about. Even if this demographic currently seems too… Read more

When a customer wants to pay in person with a credit or debit card, you can process that payment by swiping their card through a reader. And when a customer wants to place an order online, they can type their information into your ecommerce site and then submit it for processing. But what if a customer wants to pay over the phone or by mail order? Although these forms of paying for a purchase may not be as cutting-edge as things like Bitcoin, they still account for a significant percentage of the purchases that consumers make. If you want to ensure that you don’t miss out on customers who want to pay over the phone or by mail order, you need a virtual terminal. The simple definition of a virtual terminal is a payment solution that allows a business to manually enter a customer’s payment information into a computer. Since the software used for virtual terminal processing is located online and doesn’t need to be downloaded, a business can access their terminal from any computer with an Internet connection. How… Read more

Most businesses have to pay sales tax on at least part of their transactions. When this type of transaction is paid for with a credit or debit card, a business pays a processing fee for the total amount. That amount includes the required sales tax. Although it may seem like a minor issue, it doesn’t take long for the fees paid on sales tax to add up to something significant. Plenty of businesses have been caught off guard when they realize the impact this is having on their bottom line. Adding to this issue is how these fees come into play when a business needs to do deductions for their taxes. Since plenty of small business owners handle their own taxes, it’s important to fully understand this topic. Digging Into Processing Fees and Sales Tax Whether it’s in person or online, when a customer is ready to make a purchase, the transaction that’s totaled up includes any required sales tax. By paying with a card, the fee for processing the transaction will reflect the total amount that includes the sales… Read more

The majority of people in the United States with health insurance still have to pay for some of their healthcare services out of pocket. Even if it’s just a co-payment, most patients want the option to pay by card. The first thing healthcare businesses need to know about credit card processing is offering this payment method is more than just a convenience for patients. It’s actually a way to help reduce the prevalence of overdue bills. That being said, we understand why some practices are hesitant to accept cards. We’re going to cover those issues, along with why credit cards are a good fit for healthcare practices and how to choose the right processing partner. Healthcare Credit Card Processing 101 The most common pushback about credit card processing in healthcare and other industries is it’s too expensive. While accepting cards does require paying a fee, we’ll explain below how to find the best rates available. And between making patients happy, reducing friction for getting bills paid and improving cash flow by getting paid sooner, the benefits of taking cards outweigh… Read more