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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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If you own a small business, you know the dangers of chargebacks and their effect on your bottom line. They can happen for a number of reasons, but let's take a look at which businesses are most at risk for chargebacks, and what you can do to help prevent them altogether. The 4 Major Risk Factors for Chargebacks There are plenty of examples of legitimate chargebacks. In most industries, you're going to occasionally get hit with one of these despite your best efforts. Where chargebacks become a real issue is when they're persistent and related to fraudulent efforts. Since new standards, like EMV, have reduced opportunities for compromising individual credit card data, many fraudsters have turned to techniques like chargebacks as a way to directly target businesses. Experts have identified four different factors that put businesses at the highest risk for chargeback fraud. 1. Location Merchants who do business internationally and support multiple currencies tend to have a higher risk for chargebacks. 2. Risk Factor There are close to two dozen industries that automatically get labeled as having a higher chargeback… Read more

Payment security is an important issue for businesses of all sizes. As past security breaches we've covered demonstrate, even large corporations with dedicated security resources are vulnerable to payment system attacks. Since the stakes are quite high with payment security, it's easy to get overwhelmed. We understand the dilemma of not knowing where to start. That's why we put together an actionable, 5-step checklist to help you get going. By following the steps outlined below, you'll know exactly what to do to protect all of your payment data. 1. PCI Compliance This is a great starting point in ensuring that everything about your payment processing environment follows industry best practices. We have several helpful resources on this topic, including a list of PCI compliance musts for larger businesses. 2. Additional Security Layers When it comes to payment security, there's no such thing as a silver bullet. Instead, the best approach is to protect your business in a number of different ways. By utilizing multiple layers of security, you will have backup protection in place in the event a specific measure fails.… Read more

Over the last decade, software as a service (SaaS) has become the gold standard for technology companies, adding the business model of recurring revenue to the already in-demand tech sector. Since SaaS offerings have the ability to scale into very large businesses, there's no shortage of competition in most niches. However, the demand for great technology offerings continues to grow, which means there's also a lot of opportunity. While SaaS can help a company reach new revenue heights, there's also a common challenge known as the long, slow, SaaS ramp of death. Getting through this period is no easy task. If you're currently in the process of trying to increase your trial signups and then maximizing the number of signups that convert into customers, we have four actionable tips to help you out. 1. Split Test Requiring a Credit Card Should you require a credit card number when signing up for a free trial? It's a hotly debated topic among SaaS owners, especially because SaaS companies can be so different. The answer really does depend on the specific SaaS in question.… Read more

As a merchant, it always feels great when you make a sale. But what doesn't feel as great is having to spend your energy manually uploading those transactions. If you wish there was a more efficient way to handle this aspect of your business, keep reading to learn why batch credit card processing may be exactly what you need. How Does Batch Credit Card Processing Work? Before we dive into the specifics of batch processing, it's worth sharing a refresher on how standard processing works. When a customer is ready to pay, they swipe their card, insert it in an EMV terminal or type their card details onto your website. Then you authorize and accept it in real-time. With batch credit card processing, the experience your customer has is exactly the same, but the backend process is a little different. Instead of accepting payments in real-time, transactions are authorized and then temporarily placed on hold. Each time this happens, a transaction code is stored in a master file. At the end of the day, you send the single file with… Read more

Summer is great, but it can also mean a slowdown in sales across various industries. For new business owners, this slowdown may be completely unexpected, and even for experienced owners who are ready for a slower few months during the summer, dealing with this issue can be very frustrating. Although there's no silver bullet to remedy this seasonal slowdown, there are steps businesses can take to help boost sales and put themselves in a great position to have a strong fall. In fact, we have five tips you can put into action to set you up for seasonal success. Offer Bundles Bundling is a great way to entice customers without devaluing the products or services you're selling. By coming up with interesting bundles and giving them attractive prices, you'll be able to get the attention of potential customers who may have previously overlooked solo offerings. Use Email Most businesses only get a small amount of the potential value that email can provide. Making the most of email starts with having a compelling offer on your website to generate signups. From… Read more