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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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Recently, Mastercard has been experimenting with selfie authentication. Although the idea of Selfie Pay sounded more like a publicity stunt than the future of authenticating credit card payments, a lot of interesting developments have occurred across the technology industry of payment processing over the last 20 months. One of the biggest developments is what Apple announced at the launch event for the iPhone X - instead continuing to use Touch ID to unlock and authenticate, Apple is launching Face ID, making strong headway in the biometrics space. Given this major change by Apple and the fact that Mastercard was ahead of the curve in its exploration of facial recognition technology, the credit card processor is officially moving forward with authenticating transactions through other methods that don't involve a signature. What You Need to Know About Mastercard's New Approach to Authentication Beginning in April of 2018, Mastercard users will not be required to sign receipts for retail purchases they make in the United States. Signing will be an optional decision that merchants can make based on their individual policies. In a statement about implementing this… Read more

If you don't know the differences between Bitcoin and the blockchain, be sure to read up on them - this new industry is changing online payment processing in a major way. Essentially, blockchain is a computer network that functions as a ledger system. This public ledger provides a way to keep perfect records of all transactions. The blockchain is also an important part of other cryptocurrencies, like Ethereum. Visa specifically has been focused on using the blockchain to provide real-time payments for businesses of all sizes. While Visa got a head start, it appears they're not the only major credit card company interested in this space. Recently, Mastercard announced their new Blockchain API. Let's take a look at what exactly that means for you as business owners. Understanding the Mastercard Blockchain API At the Money 20/20 Hackathon in Las Vegas, Mastercard announced this new payment service. Like Visa, Mastercard hopes their Blockchain API is used for B2B transactions. Their official press release included a statement about this solution providing "a new way for consumers, businesses and banks to transact and is key to… Read more

As a business owner, the sooner you get paid for the products or services you provide, the better. Promptly getting paid for what you sell can help solve many of the cash flow issues that plague so many businesses. In the past, getting paid in a timely manner was quite challenging. Fortunately, several changes in recent years have made it easier to promptly get access to the money you've earned. In 2016, same-day credit payments became a reality for many businesses. While that was great news for the third-party collection industry, not all transactions are conducted with a credit card. That made the news of same-day automated clearing house (ACH) debit payments a big deal. Keep reading to learn the specifics of this new development, along with some of the challenges that still exist. Understanding Same-Day Debit Processing This faster processing is made possible by the National Automated Clearing House Association (NACHA). As they explained, this technology was implemented with the goal of allowing financial institutions and businesses to acclimate to faster processing systems. In the not-too-distant past, it took two to… Read more

Data breaches have dominated news cycles recently, so if you own a small business, you should be doing everything in your power to make sure you and your clients don't fall victim to the next big breach. As incidents like the recent Equifax breach demonstrate, there's simply no way to guard against a major hack with 100 percent certainty, but you can have a plan of action ready in the event one occurs. Following the best practices outlined below can greatly reduce the likelihood of your business suffering a breach. Since the worst are those that occur and then aren't addressed for weeks or even months, knowing how you're going to respond is critical. Get a plan of action in place - start with these tips and build out your prevention and response plans today. 1. Stop Additional Damage The most important step to take after discovering your business has been breached by a hacker is to prevent additional attacks and damage. Because this type of incident occurs when a hacker discovers a vulnerability within your business, it's important to lock everything down. Have a message prepared that you can share through… Read more

Last year's Black Friday and Cyber Monday sales were record-breaking and this year will likely be the same. Especially for online stores, the holidays bring tons of increased traffic and sales, so making sure your site and brand are ready is absolutely crucial. As we head into November, now's the perfect time to take stock of what your business needs to do to be successful this holiday season. Not sure where to begin? Here are just a few areas where you can start to make improvements so you're ready to take on more clients and more sales. 1. Segment Your Offers Black Friday and the rest of the holiday season is a great time to rack up sales from both new and existing customers. A great way to encourage both of these customer segments to buy is to provide them with different offers. You can entice new customers with the type of Black Friday deal they expect and then reward existing customers for their loyalty with an exclusive offer. 2. Emphasize Gift Cards Not only do people already want to buy gift… Read more