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Tailored Tips

Reviewing Your Merchant Account Could Lead To Big Savings

These days, accepting credit cards is a virtual necessity for any business, however small or large it may be. Dealing with a merchant services company comes with the territory. However, that doesn’t mean you shouldn’t regularly review your monthly processing statements to be sure you are keeping as much of your money in your pocket as possible. Here are a few helpful tips to consider.

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Why Are The Card Brands Dropping The Signature Requirement

The swipe-and-sign credit card ritual has been a staple of retail shopping for decades. In fact, it’s as American as apple pie. Swiping your plastic initiates the transaction. Signing the receipt authorizes the transaction. Yet retailers don’t employ teams of handwriting experts to verify the authenticity of these signatures. Neither do the major credit card brands. Further, even when fraudulent transactions do occur, checking for forged signatures isn’t realistic or feasible.

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Tips For Managing After-Christmas Gift Returns

The holiday shopping season — from Nov. 1 to Dec. 31 — is the most lucrative time of year for American retailers. This is especially true between Thanksgiving and Christmas Eve. In fact, the holiday shopping season is often used as a litmus test to assess the health of America’s economy.

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Protect Your Business From Gift Card Fraud

Most retailers love the idea of gift cards — and for good reason. However, the convenience that makes e-gift cards so popular among consumers and merchants alike also attracts criminals. In fact, e-gift card fraud is a nearly $1 billion industry.

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What Is Level 3 Payment Processing?

If your business is selling a product or service directly to a customer, then you’re operating a Business to Consumer (B2C) company. This means that when it comes to processing credit card payments, Level 1 processing is sufficient. However, if you’re selling products or services to other businesses (B2B), or to government entities (B2G), then the ideal and most cost-effective solution is Level 3 Payment Processing.

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Understanding Point-To-Point Encryption

Whenever a customer’s credit card is swiped, the data is sent to your payment processor for verification. This transmission is instantaneous. But because the information is maybe sent over unsecured Internet connections, it is still vulnerable to hacking. A determined thief can easily get his or her hands on this information and begin racking up fraudulent credit card charges.

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How Is The U.S. Adapting To EMV?

EMV, also known as chip-enabled credit and debit cards, are continuing to gain momentum in 2017 among card users and merchants. Despite the responsibility placed on merchants to adopt EMV-compliant solutions since October 2015, not every merchant has complied. Visa has continued to push the date back for complete compliance to give businesses more of a chance to make the changeover.

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Start Accepting Apple Pay On Your Website

Last year, Apple introduced Apple Pay for the Web as a way to compete with online payment services like PayPal. This additional payment option is something you should consider for your business website -- and it's not just because hundreds of thousands of major brands and recognizable retail websites are already supporting this new online payment method.

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How New Chargeback Policies Could Impact Your Business

Credit card chargebacks are never a good thing. They happen whenever a dissatisfied customer initiates the refund process. As the merchant, not only do you lose the sale, but you also pay fees for each chargeback. The best way to protect yourself is to become proactive.

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3 Advantages of Mobile Invoicing

If you’re still sending paper-based statements to your customers, you’re probably not a fan of the monthly invoicing ritual. If you use electronic billing, your feelings about invoicing are probably different. That’s because the process is much faster, cheaper and greener across the board.

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