United Card Solutions – Your Best Choice of Credit Card Processing Company in America

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United Card Solutions – Your Best Choice of Credit Card Processing Company in America

Thousands of businesses all over the world are switching from traditional payment options to integrated payment platforms and as a business owner, it is important to start looking for a credit card processing company in America if you haven’t found one yet. United Card Solutions has served hundreds of businesses, old and new for years. Our company is widely known for our proven track record in providing seamless payment systems. While there are several companies that offer card payment solutions, these services vary greatly.

Why Customers Prefer Cashless Transactions in America

Many of our clients enjoy the benefits and freedom of doing business on the move. The same is true with mobile card payments. Imagine for a moment a long queue of customers wanting to purchase your products, and your phone lines jammed–how else can you accept payments? Businesses that accept card payments also increase customer satisfaction especially to those who are impulse buying. Card payments encourages customers to purchase anytime they want, therefore helping grow your business. The days of having to pay for goods and services in cash is slowly fading into the sunset.
America Credit Card Processing Solutions for a Fair Price

Aside from the fact that our services and credit card processing fees are affordable, it will also reduce your business costs by eliminating overheads and being able to manage account receivables more easily. Our credit card processing company will make sure that you get your funds on time so it’s easier for you to grow your business. We also recommend the most appropriate type of payment processing terminals, devices, and systems so you avoid spending on products or systems that you don’t need. Accepting card payments is a proven effective way to entice more customers to avail your products or services. However, it may cost you money to process card payments in America; this makes it crucial to find a company that charges the right price. Here at United Card Solutions, we know that you worked hard for years to build your business and that you want to earn more.

No-Fuss Credit Card Processing Solutions in America

Here at United Card Solutions, We have established a reputation in this industry, getting praises for customer service and support, as well as high-quality products and services. In the billing statement we will send, you will find an itemized list of all the fees involved in processing your transactions and streamlining your cashflows. Our customers are required to sign long-term contracts, and setting up their account only takes a business day for us to complete. Before we set up the terminals, devices or payment processing software, we ensure that you have a clear grasp of the costs as well as how the process works.

Professional USA Payment Solutions for Any Type of Business

Whether you sell abroad or locally, we have customized local solutions. Our credit card payment options give you the ability to acquire international customers. We are the best choice of credit card processing company in the USA because we offer customized solutions and fair processing costs. Now you can do business and make it possible to earn from a wider, bigger audience. We understand your needs and that is why we offer you with solutions that offer the best financial savings. Our terminals are remarkably easy to use, and they will be running almost immediately after they are set up. Our pricing is also transparent.

Enjoy Unparalleled Customer Support for Your Payment Processing System in America

When you choose to work with United Card Solutions, you are entitled customer support service. You always put your business first because this is integral to our own success. We are ready to provide step-by-step solutions whenever you need them. Our team is standing by to assist you with any issue as we seek to provide exceptional products and support services to all our partner merchants in America. There is also detailed manufactures’ websites that you can access if you wish to troubleshoot the problem yourself.

Secure, Smooth, and Fast Payment Processing in America

All our client data are secured and protected. Our happy customers in Americacan attest to the exceptional deals that we provide as the top credit card processing company in the USA. Credit card processing reviews that point to our name will prove our commitment in this business. We use the most sophisticated systems that will allow you to transmit, verify and process payment details without a hiccup. We take great pride of our retention rate. Here at United Card Solutions, we care about client confidentiality and security for all our clients in America.

Work with A Card Processing Company in United States of America That Understands Your Needs!

We take pride in the credit card processing services we offer in United States of America because it offers a convenient and easy way for your customers to pay for you. We help innumerable merchants in the USA, and we aim to provide faster and more reliable way to process cashless payments. Our mission is to help you boost your revenue by attracting tech-savvy customers who prefer swiping their cards instead of fumbling around with their cash or signing a cheque. Get in touch with our team of professionals today!

United Card Solutions, America Credit Card Processing Company You Can Fully Trust

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United Card Solutions, America Credit Card Processing Company You Can Fully Trust

Thousands of businesses all over the world are switching from traditional payment options to integrated payment platforms and as a business owner, it is important to start looking for a credit card processing company in America if you haven’t found one yet. At United Card Solutions, you get honest and straightforward advice from professionals and gain access to advanced payment processing devices and terminals. As a merchant, you should be able to set up traditional payment processing and card payment processing whether you have a brick-and-mortar business or an online business. No matter if you operate a brick-and-mortar business or an eCommerce site, we have the perfect solutions that can guarantee a quick and fault-free payment process.

Why Offer Cashless Payments in America?

Many of our clients enjoy the benefits and freedom of doing business on the move. The same is true with mobile card payments. Imagine for a moment a long queue of customers wanting to purchase your products, and your phone lines jammed–how else can you accept payments? Offering card payments options in America is crucial if you want to keep up with the demands of your target market. If you aren’t offering card payments at the moment, you may be losing a big profits for your business. Card payments are the most preferred solution for online shoppers.

Credit Card Processing Services in America That Won’t Break the Bank

Aside from the fact that our services and credit card processing fees are affordable, it will also reduce your business costs by eliminating overheads and being able to manage account receivables more easily. When you call our credit card processing company, expect our staff to provide a detailed price quotation. We also recommend the most appropriate type of payment processing terminals, devices, and systems so you avoid spending on products or systems that you don’t need. Research has it that those businesses that accept cashless payments earn higher income than that of other businesses that do not. But not only do you need access to be able to provide cashless payments in America; it also has to be at a realistic cost to you. Here at United Card Solutions, we comply with all standard in the industry and operate our business in a professional manner, and that includes charging our clients.

No-Fuss Credit Card Processing Solutions in America

United Card Solutions’ straightforward services will also improve your productivity because transactions are done automatically. We are completely transparent with the fees involved in processing each transaction. Our customers are required to sign long-term contracts, and setting up their account only takes a business day for us to complete. Before we set up the terminals, devices or payment processing software, we ensure that you have a clear grasp of the costs as well as how the process works.

Card Payment Solutions for any Business in the USA

We have been the top USA credit card processing company for many years. We will guide you through all complexities of credit card processing. Here at our credit card processing company, we will not just sell you our products we educate you about them as well. The result? Maximized efficiency and customer engagement. We offer some of the most comprehensive credit card processing services in this industry. Our terminals are remarkably easy to use, and they will be running almost immediately after they are set up. Our pricing is also transparent.

Live Help: Creating Real Relationships with Clients in America

Here at United Card Solutions, we believe in creating real and long-term relationships with our customers so we go the extra mile to ensure that they are always happy. Through our technical support, we will be there for you whenever a problem arises, and will efficiently and quickly address your concerns. We are ready to provide step-by-step solutions whenever you need them. Our team is standing by to assist you with any issue as we seek to provide exceptional products and support services to all our partner merchants in America.

Secure, Smooth, and Fast Payment Processing in America

Our happy customers in Americacan attest to the exceptional deals that we provide as the top credit card processing company in the USA. Allowing card payments will give your customers the security and convenience to pay their bills make purchases and do other transactions anytime they need to. We keep our clients informed with information about fraud prevention, fraud tools data security regulations and wide range of payment choices. Here at United Card Solutions, we care about client confidentiality and security for all our clients in America.

Contact Our Card Processing Company in America

There are three things that drive everything we do them – integrity, customer service, and quality. We are passionate in what we do and we aim to provide measurable results and tailored card processing solutions in United States of America that will make a good impact on your business. Cashless payment options through credit cards and debit cards are not only potentially powerful but have become an absolute necessity for businesses today, because it provides unlimited access to an incredible buying power. Our mission is to help you boost your revenue by attracting tech-savvy customers who prefer swiping their cards instead of fumbling around with their cash or signing a cheque. Start growing your business by calling us today!

United Card Solutions – Your Best Choice of Credit Card Processing Company in America

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United Card Solutions – Your Best Choice of Credit Card Processing Company in America

Consumers nowadays prefer paying using their debit or credit cards when shopping, so if you aren’t linked with a credit card processing company in America yet, you need to consider working with one immediately. Here at United Card Solutions, we provide businesses with the ability to accept cashless payments through Mastercard, American Express, Visa, checks, debit cards, etc. There are various terminals and card reading devices that you can choose from, so it’s best to have a dedicated specialist who can explain which options suit your business better. While there are several companies that offer card payment solutions, these services vary greatly.

Why Offer Credit Card Payments in America?

Many of our clients enjoy the benefits and freedom of doing business on the move. The same is true with mobile card payments. As a business owner in America, you must adapt to this latest business trend. Consider the fact that your customers hold a stronger ability to purchase through their debit and credit cards, each with a great potential to be spent for your products or services. Going cashless has a number of benefits and it not only eases our life but also saves time and money, as well as authenticates transactions. Studies have already proven that users with credit cards tend to dabble with impulse buying. Make sure you take advantage of the opportunity.

Credit Card Processing Services in America That Won’t Break the Bank

Our goal is simple; we understand that you aim to get the best credit card processing fees possible in order to maximize your earnings, so we assure you that ours are inline than those of our competitors. As the metro’s number one credit card processing company, our team offers stellar monthly services plus top-quality terminals and POS devices for a fair price. While there will be fees associated with managing and setting up an account with us, it will be much more affordable than others. It is important to avoid companies that have high service charges for every transaction because they add up quickly and before you know it, you’ll be paying expensive monthly fees. In truth, nothing is really free in this world. There are only the best deals available, such as ours. Here at United Card Solutions.

Honest and Transparent Credit Card Processing Services in America

Here at United Card Solutions, we always strive to be a transparent and honest partner to all our clients in America. We are completely transparent with the fees involved in processing each transaction. We have seen other credit card processing not living up to the standards, so we created a business that cares not only about the bottom line, but in helping business owners succeed by cultivating a business built on trust. We aim to help you provide satisfaction to customers who use their cards to settle their payments for your service or merchandise.
Customizable Payment Platform in the USA

Whether you sell abroad or locally, we have customized local solutions. The products and services we deliver are of the highest quality. Here at our credit card processing company, we will not just sell you our products we educate you about them as well. We have grown over the past years largely because of our excellent solutions and the desire to embrace new technologies to be able to serve customers better. We want you to succeed so does our credit card payment processing services. Our terminals are remarkably easy to use, and they will be running almost immediately after they are set up. Our pricing is also transparent.

Unrivaled Customer Support in America

Here at United Card Solutions, we are confident in the quality of services and solutions coupled with customer support. You always put your business first because this is integral to our own success. We have the most up-to-date technology backed up with technical support in America. We will arrange the right equipment and facilities for your business in America to get started.

Everything You Will Ever Need for Your America Business

In an industry where fierce competition dominates, our credit card processing company believes that confidentiality is one of the most important operating principles. Allowing card payments will give your customers the security and convenience to pay their bills make purchases and do other transactions anytime they need to. Here at United Card Solutions, we will provide you with a high level of payment security regardless of the location of your business in America.

Get in Touch With Our Card Processing Company in United States of America

Choose to work with an experienced credit card processing specialist in United States of America. We are always up-to-date with the latest technologies and aligned with industry standards. This is done by having people updating and reevaluating our software integration in order to say serve you better. We have a friendly and highly efficient customer service agents that provides the necessary support needed by our merchants. We can explain the entire process, expenses,and benefits you can get from a card processing service. Start growing your business by calling us today!

United Card Solutions—Your Best Choice if Credit Card Processing Company in America

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United Card Solutions—Your Best Choice if Credit Card Processing Company in America

Consumers nowadays prefer paying using their debit or credit cards when shopping, so if you aren’t linked with a credit card processing company in America yet, you need to consider working with one immediately. Here at United Card Solutions, we provide businesses with the ability to accept cashless payments through Mastercard, American Express, Visa, checks, debit cards, etc. Our company is widely known for our proven track record in providing seamless payment systems. We know what you want and understand what you need from credit card processing solutions.
Why Customers Prefer Cashless Transactions in America

Whether you are running a small business in America or a large one, you want to be able to provide the convenience of using credit card or debit card as a form of payment for your customers. Consumers prefer using credit and debit cards over cash or cheque payments because of the incentives like bonus points and mileageoffered by their card brand. Cashless transactions have become the most preferred payment options by customers today. Card transactions are also authorized and completed in no time, and by the time the customers are out of the door, the funds will be hitting their bank accounts within days.

Credit Card Processing Solutions in America That You Can Afford

At our company, we strive to keep our credit card processing fees affordable by charging reasonable monthly transaction fees compared to other companies. As the metro’s number one credit card processing company, our team offers stellar monthly services plus top-quality terminals and POS devices for a fair price. We also recommend the most appropriate type of payment processing terminals, devices, and systems so you avoid spending on products or systems that you don’t need. Keeping a steady cash flow is often difficult especially for small business owners, so we keep our services affordable for you. Here at United Card Solutions, we know that you worked hard for years to build your business and that you want to earn more.

Hassle-free and Completely Transparent Credit Card Processing Solutions in America

United Card Solutions’ straightforward services will also improve your productivity because transactions are done automatically. We believe that customer focus is our key to a successful business, and that is why we make sure that our processes are straightforward. We have seen other credit card processing not living up to the standards, so we created a business that cares not only about the bottom line, but in helping business owners succeed by cultivating a business built on trust.

Choose a USA Payment Platform that Truly Meets Your Needs

Credit card processing has become a hit with many retailers. The products and services we deliver are of the highest quality. We are the best choice of credit card processing company in the USA because we offer customized solutions and fair processing costs. Now you can do business and make it possible to earn from a wider, bigger audience. Whether you operate a small café or you own a chain of restaurants anywhere in the USA, we can meet your needs as to any payment solution you think is best for your business.

Live Help: Creating Real Relationships with Clients in America

Here at United Card Solutions, we are confident in the quality of services and solutions coupled with customer support. Through our technical support, we will be there for you whenever a problem arises, and will efficiently and quickly address your concerns. Our team is always on standby so they can address your concerns immediately whenever needed. If you have questions on how to use the device or troubleshoot simple card processing problems, you can also easily contact our staff at United Card Solutions.

Everything You Will Ever Need for Your America Business

The last thing you want is a data breach and a payment processing system failure. Our America credit card processing company always goes the extra mile, so you can complete business transactions, secure money and audit your revenue without a hitch. It is no secret that credit card payments may involve security risks, but protected because we apply strong security measures in order to protect our customers from theft or any type of fraud. Here at United Card Solutions, we will provide you with a high level of payment security regardless of the location of your business in America.

Get Help in Setting Up Your Card Payment Processing System in United States of AmericaToday!

Choose to work with an experienced credit card processing specialist in United States of America. We help innumerable merchants in the USA, and we aim to provide faster and more reliable way to process cashless payments. Our mission is to help you boost your revenue by attracting tech-savvy customers who prefer swiping their cards instead of fumbling around with their cash or signing a cheque. Get in touch with our team of professionals today!

United Card Solutions – Your Best Choice of Credit Card Processing Company in America

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United Card Solutions – Your Best Choice of Credit Card Processing Company in America

Thousands of businesses all over the world are switching from traditional payment options to integrated payment platforms and as a business owner, it is important to start looking for a credit card processing company in America if you haven’t found one yet. Here at United Card Solutions, we can have your business set up to receive card payments anytime of the day. Our company is widely known for our proven track record in providing seamless payment systems. We can confidently install terminals and devices that can facilitate safe transfer of data.

Perks of Offering Credit Card Payments for Your America Business

Customers today are more confident in buying from a shop that offers cashless payments because it means faster and safer transactions. They will only need to swipe the card and enter the PIN to complete their purchase. As a business owner in America, you must adapt to this latest business trend. Providing safer and more secured payment platforms enable you to build trust among your clients. Card transactions are also authorized and completed in no time, and by the time the customers are out of the door, the funds will be hitting their bank accounts within days. The days of having to pay for goods and services in cash is slowly fading into the sunset.

Most Affordable Credit Card Processing in America

At our company, we strive to keep our credit card processing fees affordable by charging reasonable monthly transaction fees compared to other companies. As the metro’s number one credit card processing company, our team offers stellar monthly services plus top-quality terminals and POS devices for a fair price. We are also willing to structure our pricing according to your needs so that we can earn your business for the long term. It is important to avoid companies that have high service charges for every transaction because they add up quickly and before you know it, you’ll be paying expensive monthly fees. The quality of information on the Internet can be overwhelming but here at United Card Solutions, it’s simple, easily understandable and best of all, affordable.

Hassle-free and Completely Transparent Credit Card Processing Solutions in America

Here at United Card Solutions, our services in America have no gimmicks or catches. We offer long-term commitment. This way we get to focus on providing the most convenient services possible and work our way towards keeping our clients. We never insist on using devices or services that won’t be useful for your operations. By accepting credit card processing in America for your goods and services, you build credibility in the eyes of existing and potential customers. This means increasing customer loyalty and therefore bigger profits for you. We tell our pricing up front when you call us.

USA Card Payment Solutions for Business Owners

Credit card processing has become a hit with many retailers. People love how easy it is to use their cards to pay for the products they buy. And business owners love how funds can become available in days once their customers purchase from them. Our credit card pocessing company in the USA is a popular choice and that is because our services come with a vast selection of features. No matter if you wish to offer card payments for an online business or a physical shop, we have the most extensive selection of terminals and card reading devices that can choose from. We want you to succeed so does our credit card payment processing services.

Access Quality Support Service from Friendly Payment Specialists in America

Here at United Card Solutions, we are confident in the quality of services and solutions coupled with customer support. Our service does not end after we install the payment processing devices and systems. Our team is always on standby so they can address your concerns immediately whenever needed. We offer customer service line, which exemplifies our commitment in our business.

Secure and Confidential Transactions in America

The kind of services we provide reflect on the credit card processing reviews we constantly receive. We get credit card processing reviews from clients that prove the quality and confidentiality of our services. When you choose us here at United Card Solutions, you are assured that every time a customer uses his or her card to purchase a service or product, whether off-line or online, all personal information are kept confidential and protected.

Get in Touch With Our Card Processing Company in United States of America

We want your business to grow. We help innumerable merchants in the USA, and we aim to provide faster and more reliable way to process cashless payments. In case you aren’t sure how accepting credit cards can level up your game, you can consult our friendly and approachable staff. Contact us today!

Systems to accept EMV enabled credit cards

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It has been 17 months since retailers were asked to upgrade their point of sales systems to accept EMV enabled credit cards. The benefits of the EMV chip card are numerous, making information harder to steal, lessening the ability for fraudulent sales and hacking. In fact, right now, only 58{1e9709ef5f3333ae7d8fe6a31af5d3933317716445c13c35f37bf4f9d8e83538} of eligible business have made the switch to the new terminals.
Why?
Well some merchants purchased payment terminals two or three years ago and are not willing to invest in new terminals. Yes if you lease them they will cost a bit more over the course of a lease, but we are talking about $400 dollars for a basic terminal that can run most businesses. The Mom and Pop shops have invested in a perfectly good terminal that they will probably get another 10 years out of, and in their mind, why should I spend that kind of money when the odds of me getting a fraudulent card are very slim.
And hardware is not the only stopping block. There are many chip enabled terminals that are in place across the country that do not take the chip cards. Why? Because they do not have the programming and software installed to be able to accept the new chip cards. Taking the chip card is a 2 part process for the merchant. First, the merchant must load the newly developed software from a third party to allow the terminal to accept EMV chips. The second process is the certification process that each of the card networks need the merchant to go through. This is coordinated by the merchants acquiring bank. This que to be certified has been very long with weeks waits for merchants.
The third issue that merchants are dealing with the new EMV terminals is the time of transaction. You have probably noticed, these terminals can be a little cumbersome, and clumsy. People pulling their cards out too soon is a common problem. Time of transaction is another issue. EMV transactions are typically 3-5 times longer than a traditional mag stripe card. In a high volume business, this translates to slower sales and lost volume.
But not being compliant has its risks. The biggest risk is being responsible for fraudulent transactions. If your business processes a mag stripe card that is stolen or counterfeit, your business can and will be responsible for the amount stolen, not the banks as it has been in the past. For some merchants, this can amount to 1000’s of dollars for one transaction. Is that worth the wait?

Emv chips and processing is here to stay. It is both the norm and the future of credit card processing. If you are not part of the EMV world, do you really want to take that risk? It is time to take the steps to become compliant.

What to Expect when Working with a Merchant Services Provider

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When a business owner begins their venture into eCommerce, it will be crucial that they contract with a merchant services provider. While there are many merchant services providers out there, picking the right one will take some research and a solid foundation of knowledge. Merchant services providers are all different; it is crucial to figure out your requirements to identify the best fit for your business.

Payment Processing

Will your business require batch payment processor real-time payment process? With batch processing, the order is then handled by an individual either by getting in touch with the payment processing company to confirm the legitimacy of the credit card number or by utilizing a point-of-sale terminal to swipe the card. The customer is notified immediately that the order is accepted when the credit card is verified, and the money is moved from the client’s account to the merchant’s account. When deciding, consider some transactions that may occur. If you are anticipating a low volume of sales, then this type of processing is something to consider. It is not as pricey as real-time processing. The main drawback to batch processing is the time factor. Real-time processing is more suited for bigger volume sales and for certain items that are sent over electronically.

Knowing Your Business

A business owner should be well-versed in their financial reports; because these statistics are going to weigh heavily on what merchant services provider is chosen.

Additionally, some banks have a set amount of transactions a month. Thus, if you do not meet this minimum, you could be required to pay a separate fee. Other banks will ask you to project how many transactions you think will occur on your site. Your business’s strengths and weaknesses will also influence the type of services you need from your provider. For example, if you lack state-of-the-art resources, then it would be in your favor to choose a merchant account provider that emphasizes customer service.

Rates and Fees

Web-based e-tailers and other eCommerce ventures need to be aware of the rates and fees they will be assessed when contracting with a merchant services provider. Typical costs include transaction fees, discount rates, and set-up or application fees. Fees vary among the merchant services providers based on credit history, type of business, and transaction volume. Merchant accounts have several fees, some that are time-based, and others that deal with a percentage format.

Assess your technology and service requirements. When an entrepreneur makes the jump to eCommerce, selecting a merchant services provider is only one of many aspects that have to be integrated together. Utilize a shopping cart solution and locate a merchant services provider, although many providers feature shopping cart solutions of their own.

Also required is payment system that processes transactions and a payment gateway to securely capture and process payments. Several merchant services providers offer systems that include each of these aspects. Many will bundle merchant services and other eCommerce services into their packages. Working alongside a merchant services provider that provide integrated services indicates that each level of the transaction works in conjunction with the other, meaningless difficulties on your end.

If the merchant services provider does not offer this type of service, the exact software that is used should be discovered. On occasion, a dealer account company will provide more affordable merchant services and then overcharge on software. A reputable merchant services provider will provide guidance about which type of software would be best for this situation.

Information such as this can be crucial to a business just starting out, that can not afford to make a mistake early on. Finding the right companies to partner with is a big step in the process of operating a successful business. Starting up an eCommerce venture is no easy task. If it were, everyone would do it! It is critical to know your own business inside and out; it will inevitably save you tons of time, effort, and money.

Choosing a credit card processing company

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When your business plans to accept debit and credit cards-either at your brick and mortar, online or by phone, you will need a merchant services processor so you can accept them. There will be some upfront costs and fees for doing so.  Fees if you have been a cash only business, that you are not accustomed to paying.  But the extra costs that are associated with taking credit cards far outweigh the disadvantages of you not taking them.

The biggest change you will see almost immediately is the boost in sales.  Credit card purchase encompass almost 80{1e9709ef5f3333ae7d8fe6a31af5d3933317716445c13c35f37bf4f9d8e83538} of all purchases in the US marketplace.  By being cash only, you have been excluding these customers from your business.  People have a different mindset when they purchase with plastic.  Cash is a physical action you have to take to make a purchase.  You pull your wallet out of your purse or pocket, you pull your physical money out and you see it transferred directly to the merchant.  It is difficult, it can be painful.  One minute you have $200 in your pocket, and the next minute you have $25.00 and the goods you just purchased.  With plastic, you hand your card over to the business attendant, they process the payment, you sign for it, get a receipt that you barely look at and put it in your pocket.  Not until the end of the month will you receive your statement that gives you your payment balance.

Choosing a credit card processor can be a difficult task.  It is wise to compare the pros and cons of your options before signing a contract.  Here are several factors to consider.

Fees and Costs

Processing costs can range from .025{1e9709ef5f3333ae7d8fe6a31af5d3933317716445c13c35f37bf4f9d8e83538} to 5{1e9709ef5f3333ae7d8fe6a31af5d3933317716445c13c35f37bf4f9d8e83538} on all transactions a company processes through their terminals.  There are many companies available to you who offer products that are competitive and offer the same level of service as those who are charging a higher percentage.

How much are the fees and other costs?

Credit card processing fees can be up to 5{1e9709ef5f3333ae7d8fe6a31af5d3933317716445c13c35f37bf4f9d8e83538} on everything a company earns from its credit and debit card sales, according to the U.S. Small Business Administration. However, some companies might charge much less than others while offering the same products and level of service.

Fees to watch out for and compare: Interchange fees, monthly statement fees, application and set up fees, application and set up fees, monthly minimum fees, monthly gateway access fees, and early termination fees.  All of these fees are subject negotiation and are offered in tier pricing by different companies based on your volume of processing. Make sure you understand all of these fees and service terms.  Make sure they can provide you with a detailed explanation on all costs and fees and if they cannot, then find another processor.

What is the setup time?

Many companies have the ability to set you up in as little as 24 hours after your application.  The normal amount of time is usually 3-5 days from application until approval.

What are the accepted payment types?

You will want to make sure that your new processor accepts all major credit and debit card so you do not have to turn away any possible customers. Also, you may want to include a system that accepts prepaid cards and gift cards.

Is your system up to date with new payment procedures:

Most customers are very tech savvy now.  NFC (Near field technology) is the latest payment processing that will allow you to accept digital wallets like Apple Pay, Samsung Pay, or Google Wallet. This technology allows customers to make a payment with a simple touch of their cell phone.

Is customer support reliable?

If you run into processing, terminal, or technical problems how reliable is their customer support. Make sure you hire a processor that offers 24/7 support and you will need direct support from an account rep who can solve your issues. There may be an extra cost for this service, but it will be some of the best money you can spend.

Good luck with your search for a reputable merchant services provider.  There are many solid companies available for you to contact.  Find the right one and then good luck in the new world of credit card processing.

Accepting Credit Cards Pays Off for Small Business

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One of the biggest challenge any small business can face is finding the resources, time and money,  to compete with the larger, more established enterprises they compete against.  One tool that the small business has in its arsenal is the ability to accept credit cards.  According to sources in 2014 72{1e9709ef5f3333ae7d8fe6a31af5d3933317716445c13c35f37bf4f9d8e83538} of all American consumers owned at least one credit card.  And that number is higher now.  There is not a small business in this country that can afford to ignore those numbers. Neither can they afford to ignore the new move to mobile payment systems.

By accepting credit cards the small business can benefit in many ways.  Their business become an immediate consumer shopping option for those people who prefer to use their cards instead of cash. Seeing the logos that you have posted in your windows gives the customer the confidence that you offer superior service.  This also legitimizes our business and puts you in the league with your larger competitors.

The convenience of accepting credit cards for your customers either dipping or swiping, cuts down on transactions time and lets your customers have more time for themselves.   Your business will also benefit.  With shorter transaction times, you will have time to work with and sell to more customers. Then at the end of the day, you can send all of your transactions to the crecit card processing system in one batch for settlement.

Security in transactions has been the major part of discussion for the last several years.  Several security breaches at companies like Target, Petsmart, and even the IRS have made security for electronic transactions one of the most important topics in todays merchant society.  Because of fraud, because of hacking, in October of 2015, the United States merchant processors mandated that EMV or smart chips be required on all credit and debit cards.  Also, merchants were also mandated to be able to take these new EMV chip cards.

Magnetic swiping technology on their credit card machines

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As the journey for small businesses to transfer from magnetic swiping technology on their credit card machines continues to evolve, we can learn one thing.  The system is getting better. Last year’s back orders of EMV terminals is not affecting us right now.  The software techs to program the machines have worked out most of the bugs and your machines can be programmed in a matter of hours now instead of days, and there is a program in place for business now, who have not changed from swipe to EMV, to forgo any fraudulent charges on your account under the magic $25-dollar line.  That is all good news for the businesses who have not switched to EMV technology yet.

 

But the question still begs, why have you not switched?  You have not found the right program, you are comfortable with the system the way it is?  You like gambling with your businesses money?  As a former owner of a bicycle shop in Arizona, I would take charges for bicycles that cost thousands of dollars.  If I was using old technology, and I took a fraudulent card and was held liable for that sale, it would take me months to recover from that loss.  Forget about if it happened to me two or three times in a month.  That kind of loss would have hurt our business.   So why are you playing roulette with   your business and credit card transactions?

 

The main stumbling block right now is time of transactions.  High volume businesses have long complained that they do not want to use the chip EMV technology because the time to make an approval is 3 – 4 times longer than the magnetic strip swipe.  This will be a problem of the past soon.  Both major credit card providers Mastercard and Visa have been working on updates to speed up the transaction response time.   By the middle of December, these updates will be running and transaction times should be cut in at least half if not more.

 

Now is the time for your small business to make the change to EMV.  You can expect the process to be much smoother for you, and you will be protecting your business from chargebacks of fraudulent card usage by switching to the dip.