#best swiping machine card swipe machine price Debit Card Swipe Machine

[lucidpayments]

Why Interchange Plus Pricing Is the Best Way to Pay for Payment Processing

If there was an award for the most convoluted industry on the planet, payment processing would probably win by a landslide.

And if we had to choose the most needlessly complex aspect of our industry, it would have to be how processors choose to charge for their services.

Whether they’re using interchange plus pricing, tiered pricing, or flat-rate processing, typically, payment processors aren’t making things any easier for their customers to understand.

What��s more, business owners don’t seem to have any idea what these various fee structures are, how they work, or which one is going to give them the best deal.

As a result of all this confusion, it seems many businesses are just picking a processor at random without even bothering to look into their pricing.

For instance, a Canadian Federation of Independent Business (CFIB) survey found that 54% of respondents have difficulty understanding the contract they have with their payment processor, and 41% are unsure about their pricing model.

The survey also found that credit card processing fees are unaffordable for 78% of respondents.

However, many business owners are unwittingly choosing to partner with processors whose pricing is deceptively expensive, and the reality is they don’t need to be paying this much.

But given the abject lack of clarity in this industry, it’s no surprise that business owners are getting bamboozled like this.

With that in mind, this article will explain the most common pricing models for payment processing, including interchange plus pricing, tiered pricing, and flat-rate processing.

We’ll break down everything in no uncertain terms, exploring the various types of pricing, comparing them, and explaining why interchange plus pricing is your most affordable option.

If you’re new to this topic, and you’re not sure what the term interchange means in this context, you should start by reading our article, What You Need to Know About Interchange Rates in Canada.

And if you’d like a bit of a refresher on how interchange fees are calculated, you should check out our article, What Determines the Cost of Interchange Fees?

Why Is Interchange Plus Pricing the Best Way to Pay for Processing?

This seems like an easy question to answer, but as you may already suspect, it’s not as simple as you might think.

If you want to understand why interchange plus pricing is your best option, first you’ve got to understand the most common methods of paying for payment processing and compare them.

With that in mind, let’s explore the three most common ways to pay for payment processing, so you can understand why your best option is interchange plus.

Tiered Pricing

Tiered pricing is a pricing model where transactions are categorized into different tiers, each with its own interchange rate. The tiers include these three rates:

Qualified Rate: This is the lowest rate, applied to the most standard and secure transactions, such as swiped or chip-inserted debit or credit card payments.

Mid-Qualified Rate: A higher rate than the qualified rate, applied to transactions that pose a slightly higher risk, such as those involving rewards cards or manually entered card information.

Non-Qualified Rate: This is the highest rate, applied to the riskiest transactions, such as those made with corporate or international cards, or transactions that don’t meet certain security criteria.

This model allows payment processors to charge different rates based on the risk and processing requirements of each transaction.

If you’re being charged based on tiered pricing, that means you’ll have to pay a set qualified rate on every transaction, plus a mid- or non-qualified rate that applies to any transaction that doesn’t meet the requirements of the qualified rate.

So, for example, if a customer is paying with a qualified Visa and actually inserting their card into a physical machine, you’ll probably get a rate of around 1.45%.

Then for every transaction that’s mid- or non-qualified, that corresponding rate will get stacked on top of the qualified rate.

In theory, this model could offer some pretty decent pricing if the company gives you a good deal, but unfortunately, that’s rare.

Typically, providers will set their mid- and non-qualified rates high enough to ensure they’ll make the most profit they can, so you’re not likely to get a very good price.

In these situations, businesses will end up paying something like 0.85% on a non-qualified card, plus the qualified rate, which means they’ll be paying a total of 2.30% (1.45% + 0.85%).

But compared to what you’d be charged based on interchange plus pricing, this is a higher rate than what you’d pay for almost any card that’s available to consumers today.

So, as you can see, not only is this pricing model difficult to understand, but it’s also going to cost you more, as well.

Flat-Rate Pricing

One of the most common complaints we hear from potential customers is that they never know how much they’re going to pay in interchange fees each month.

As a result, many business owners choose to partner with a processor that offers flat-rate pricing, as this type of pricing tends to be advertised in a way that makes it seem like it’s more convenient and easier to understand.

But despite the clever marketing, the truth is that this is the most expensive pricing in our industry.

Providers who offer flat-rate payment processing will typically charge a highly inflated rate to make sure that they’re able to turn a profit on most transactions.

For instance, the average flat rate offered in our industry is currently 2.4%, with some processors charging up to 2.65% or even more.

So, while it may sound great to know exactly what you’re going to pay on every transaction, in reality, what this means is that for the lower-end cards and less risky transactions, you’ll have to pay double what you’d pay with interchange plus pricing, or even more.

To give you an idea of how much more expensive this kind of pricing can be, below, you’ll see Visa’s current interchange rates for consumer cards in Canada.

As you can see, only two of the dozens of cards on this list have an interchange rate of 2.4% or higher. And if you look at Mastercard’s rates below, you’ll see that the list looks very similar.

Again, only two of the cards on this list have an interchange rate of 2.4% or more.

Judging by these numbers, if you’re paying a flat fee that’s anywhere above 2%, you could be costing yourself hundreds of dollars per month in extra fees, depending on your volume of sales.

Truth be told, there are only a couple of different card types that cost more than 2.2%, so no matter how you slice it, paying these higher flat rates will cost you more money.

Interchange Plus Pricing

Hands down, this is easily the best pricing in our industry.

You’re welcome to try, but we can guarantee you’re not going to find anything cheaper.

We use interchange plus pricing because it keeps us competitive, it’s transparent and easier to understand, and it aligns with our mission of putting our customers first and always acting in the best interests of business owners.

That being said, rather than having to charge a high enough flat rate to profit on all cards or creating a convoluted tier system, interchange plus pricing allows us to offer you the exact interchange rate set by credit card companies like Visa and Mastercard, plus a small markup (usually 0.20% – 0.40%), which is how we make our money.

This means if your customer pays with a qualified Visa, you’ll pay 1.25% plus a markup of no more than 0.40%. That adds up to 1.65% or less, which is considerably lower than the average flat-rate pricing in our industry.

And that’s it. It’s really that simple.

With interchange plus pricing, you’ll pay whatever the interchange rate is on the card your customer is using, plus our markup.

This allows you to not only save money but also have greater clarity and peace of mind when it comes to your payment processing.

Another great thing about interchange plus pricing is that when credit card companies like Visa and Mastercard lower their interchange fees, this will immediately be reflected on your bill, which isn’t the case with many providers.

But with Lucid Payments, you won’t have to call in to try and get a better deal, or make sure these savings will be reflected on your statement.

The savings will simply be passed on to you the second that rates are lowered.

Interchange plus is also much more transparent, as well, because you’ll be able to see on your statement which cards you processed, what the interchange rates were on those cards, and what our markup is.

Time to Compare

Using the three different types of pricing we’ve covered today, let’s run a scenario to see which one will offer the better deal.

Let’s say your customers purchased $5,000 worth of products this month, and they all paid with a Visa Infinite card, which has an interchange rate of 1.57%.

For the tiered pricing, you’d be paying 1.57% plus 0.85%, so each one of those transactions would cost you 2.42%.

If you were being charged based on interchange plus pricing, you would’ve paid that same 1.57% interchange rate plus our markup of 0.20%, which would cost you 1.77%.

And for flat-rate pricing, you would’ve paid at least 2.4% on each transaction, regardless of what the interchange rate is on the card the customer is using.

So, if we do the math here, the flat rate pricing would cost you $120 in fees for those $5,000 in sales, and the tiered pricing would cost you $115, but the interchange plus pricing would only cost $88.50.

As you can see from this example, clearly, interchange plus is much cheaper.

And if you’re with a processor who charges you anything but interchange plus, you are simply paying too much.

Want to learn how much you can save with Lucid Payments? Book a Free Statement Review or contact us today to find out how we can help.

[sonp49926]

Supermarket POS system for increased efficiency and productivity

Do you own a supermarket business in New Zealand and want to manage it efficiently? If yes, then investing in a POS system is one of the best things you can do. These days, most businesses are connecting with point-of-sale systems which are specially designed for efficient business management. These systems are apt for various business segments that deal directly with customers. These softwares are designed with a varied range of features and functionalities to elevate businesses from ordinary to extraordinary level. These systems are perfectly suitable if you are running:

Retail clothing store

Fruit and vegetable supermarket

Liquor shop

Retail chain of consumer products

Point-of-sale systems are state-of-the-art technologies to make the day-to-day business processes streamlined. They can be used for a single retail store or for a chain of supermarkets. So, whether you are looking to upgrade your business or want a system to attain the technological advantages of these systems, you can search for POS NZ. There are professional companies that provide these systems to an extensive array of businesses. Thus, the experts can visit your business and can handle all technical, mechanical, and operational aspects relating to the successful implementation of the point-of-sale software.

Why should supermarkets invest in point-of-sale systems?

These systems are also referred to as EFTPOS in New Zealand. They are seamlessly configured with the facility of electronic funds transfer at the point of sale. It refers to the machine which can accept debit and credit card payments. Therefore, the systems are focused on processing cashless payments paid by buyers and accepted by sellers. If you own a retail supermarket, your business would depend significantly on regular customers. They will know your place as the most convenient business to find household goods easily. As an owner or manager, you will be adhered to use pen and paper to make bills and for maintaining records for purchases. Thus, it would take a sheer amount of your time and effort to make the offline payment processing and recording on board.

The working of POS systems is centrally focused on making your business process online. It works to take care of the billing of your supermarket business so that you can focus on customer service. What’s more, by saving of more energy and time, you can focus more on expanding and improving your business.

Know the importance of a point-of-sale system

A supermarket eftpos will be in the charge of accepting payments from your customers online. They can pay just by swiping their debit/credit cards in the machine. It enables you to input the prices for every item into the machine. Though, it may seem a time-consuming process in the initial phase. Once the prices for products are stored in the machine, it makes the billing process faster. As a supplier of products, you can easily import the price list of various products into the Point-of-sale system. Consequently, it will eliminate the process of entering the prices for products manually. The POS NZ will also have functioned with a computerized monitor and barcode scanner. Thus, the price of the product can be entered automatically into the system. This makes the billing process faster and more efficient and buyers have to wait for less to pay for the stuff they have bought.

In addition to this, the point-of-sale system can record the details for each product in the shopper docket. This means that the final price will be computed after discount deduction and special offers to tally with the total. Moreover, the price for each item going through the scanner will be displayed to the customers through the customer-facing screen. The software completes the payment processing automatically which turns to the satisfaction of your buyers. Your staff also don’t have to worry about the calculation of prices for multiple items bought by customers. The system will improve their efficiency to make the tedious process complete smoothly in a few minutes.

Use supermarket eftpos for back-office operations

Supermarkets not only deal with customers for selling products and making payment clearances. But these businesses often deal with back-office operations which are challenging to execute. It is the most laborious task for supermarket managers and owners to keep track of stock, invoicing, maintaining records of suppliers, and re-ordering processes. Surprisingly, a POS system can also deal with these tasks online to make the back office work managed and streamlined. The point-of-sale system will subtract each product from the stock which is going through the online payment system. Thus, the record or stock of products will be automatically tallied and managed. Therefore, with a few clicks of the mouse, the stock of products in the supermarket can be viewed. You can check the stock in hand and can re-order it as needed.  

Apart from this, the advanced software of POS NZ can make the re-ordering process automatic. Once the stock has decreased from the set limits, the machine will automatically intimate the supplier with automated mail to send the stock. This functionality of EFTPOS can be used even if you have multiple locations of business.

How to set up the point-of-sale system?

As you can see that enabling a POS system in your supermarket business can transform business operations. Therefore, you should not compromise the quality and efficiency of your business. It is vital to consult with experts who deal with a wide range of point-of-sale systems. They can bring the solution to your table as per specific business types, needs, and goals.

Once you have mentioned your needs for the online payment system, it will be configured with your merchant account. Thus, the payment processed will be directly credited to your account. So, it will save a large amount of your time and let you focus on core business aspects. The team of experts will establish a countertop or portable POS NZ machine as per your convenience. So, it will boost up your business efficiency and also aid facility for your customers.

[halothenthehorns]

How Do You Say Gods

Chapter 18: WE SHOP FOR WATERBEDS

Will, apparently, was a lot more stubborn than Nico would have given him credit for as he persisted, "Hey Nico, you haven't eaten since we've been down here." He hadn't even taken a cookie when Magnus brought them in! He did his level best to sound casual, and unlike Tethys, his clinical tone was pure warmth of concern. "Sure we shouldn't take another break? Hell, we must have been at this most of the day, I sort of want some sleep myself-"

"I said I'm fine Will," Nico said sharply. "We all need to get out of here already."

He expected the son of Apollo to look away and let it go. Instead he was frowning right back and watching him with a very intense expression.

Thalia was sort of worried if she didn't keep reading Nico was going to cut the guys head off, and they were all so busy watching the exchange nobody noticed Alex's guilty look at the bag as Thalia read the chapter title. "That is going to be Percy's idea," she accused.

"You say that like it's a bad thing," Percy gave her a pout, "who doesn't love sleeping on those? Maybe we get a free nap that isn't in a venus flytrap and a time-redo."

"Um, sane people who don't want to get seasick in their sleep," she scoffed before starting.

Will acquitted, for now. He'd let this book finish, they did need to get out of this Titan's palace and Percy back to camp, but he'd take the book away before it was done so that he could talk to Nico and make sure he knew he wasn't fooling anyone. His healing touch worked best skin to skin, but you didn't need the gift of Apollo to sense the darkness coming off of him. He would tell Nico once and for all he did belong at camp and make him promise to get his butt there from where ever he was to give it a real shot, one whole summer, and a checkup at minimum that wasn't administered from Tethys.

It was Annabeth's idea.

"That sentence would never get a chance to end badly if you read it like that," Alex laughed at how proud Thalia sounded for such a start.

"And yet I don't disagree," Percy was still smiling along despite the sarcasm.

  She loaded us into the back of a Vegas taxi as if we actually had money, and told the driver, "Los Angeles, please."

The cabbie chewed his cigar and sized us up. "That's three hundred miles. For that, you gotta pay up front."

"You accept casino debit cards?" Annabeth asked.

He shrugged. "Some of 'em. Same as credit cards. I gotta swipe 'em through first."

Annabeth handed him her green LotusCash card.

"Zeus's socks, that whole thing was actually useful if this works," Thalia said mildly.

Nobody agreed with her, even she wasn't so convinced her status would leave her immune to try and risk such a reward for that price.

He looked at it skeptically.

"Swipe it," Annabeth invited.

He did.

His meter machine started rattling. The lights flashed. Finally an infinity symbol came up next to the dollar sign.

Jason let out a throaty whistle, the magic of that casino really was beyond comprehension.

The cigar fell out of the driver's mouth. He looked back at us, his eyes wide. "Where to in Los Angeles... uh, Your Highness?"

"The Santa Monica Pier." Annabeth sat up a little straighter. I could tell she liked the "Your Highness" thing. "Get us there fast, and you can keep the change."

Maybe she shouldn't have told him that. The cab's speedometer never dipped below ninety-five the whole way through the Mojave Desert.

'Guy was trying to outstrip Apollo's bus,' Thalia grimaced to herself at the thought of being in that car, but she was still trying to read robustly, the only one trying to put on a cheery attitude as the last chapter had still seemed to upset all of them for one reason or another.

On the road, we had plenty of time to talk. I told Annabeth and Grover about my latest dream, but the details got sketchier the more I tried to remember them. The Lotus Casino seemed to have short-circuited my memory. I couldn't recall what the invisible servant's voice had sounded like, though I was sure it was somebody I knew.

"Wait, what! You didn't mention that!" More than one person shouted at Percy.

He tapped his temple a few times, really trying to concentrate, but ultimately shrugged and said, "sorry guys, if I did in that dream, it must have been distorted by the time I woke up. It just sounded flat, general, male or female, I got nothing."

"Damn Crooked One is right, being able to mess with that," Alex sighed.

"Thalia sounded off too," he tried to explain. "She sounded, younger, different, it might just be the dream or because of time, I don't know," he spread his hands in apology.

"It's okay Percy, nobody blames you," Thalia assured.

The servant had called the monster in the pit something other than "my lord" ... some special name or title...

"The Silent One?" Annabeth suggested. "The Rich One? Both of those are nicknames for Hades."

Jason smiled absently, Pluto didn't seem so out of character at least.

"Maybe ..." I said, though neither sounded quite right.

"That throne room sounds like Hades's," Grover said. "That's the way it's usually described."

I shook my head. "Something's wrong. The throne room wasn't the main part of the dream. And that voice from the pit ... I don't know. It just didn't feel like a god's voice."

Annabeth's eyes widened.

"What?" I asked.

"Oh ... nothing. I was just-No, it has to be Hades.

Something about this obviously wasn't right. Magnus wished his cousin would trust her instincts more, because this question definitely needed a new angle of approach.

Maybe he sent this thief, this invisible person, to get the master bolt, and something went wrong-"

"Like what?"

"I-I don't know," she said. "But if he stole Zeus's symbol of power from Olympus, and the gods were hunting him, I mean, a lot of things could go wrong. So this thief had to hide the bolt, or he lost it somehow. Anyway, he failed to bring it to Hades. That's what the voice said in your dream, right? The guy failed. That would explain what the Furies were searching for when they came after us on the bus. Maybe they thought we had retrieved the bolt."

I wasn't sure what was wrong with her. She looked pale.

"But if I'd already retrieved the bolt," I said, "why would I be traveling to the Underworld?"

"To threaten Hades," Grover suggested. "To bribe or blackmail him into getting your mom back."

I whistled. "You have evil thoughts for a goat."

"As oppose to the non-evil thoughts of regular goats?" Jason asked.

"Look into the square eyeballs of those things and tell me they have mercy," Percy had seen one on a school trip to a petting zoo, and he wasn't taking it back.

"Why, thank you."

"Compliments?" Will muttered, but hey, whatever worked for him.

"But the thing in the pit said it was waiting for two items," I said. "If the master bolt is one, what's the other?"

Grover shook his head, clearly mystified.

Annabeth was looking at me as if she knew my next question, and was silently willing me not to ask it.

"You have an idea what might be in that pit, don't you?" I asked her. "I mean, if it isn't Hades?"

"Percy ... let's not talk about it. Because if it isn't Hades ... No. It has to be Hades."

Wasteland rolled by. We passed a sign that said CALIFORNIA STATE LINE, 12 MILES.

I got the feeling I was missing one simple, critical piece of information. It was like when I stared at a common word I should know, but I couldn't make sense of it because one or two letters were floating around. The more I thought about my quest, the more I was sure that confronting Hades wasn't the real answer. There was something else going on, something even more dangerous.

"More dangerous than facing down the god of death?" Magnus confirmed.

Nobody answered him, because it existed all around them. If a Titan could hide them away from gods, than clearly even Zeus wasn't the top of the power chain.

Percy was starting to sweat, he had his head in his hands and was shaking it slowly side to side as he longed to hear the obvious out loud, but his friends weren't obliging. Will was fidgeting with guilt, Nico would have loved nothing more than to be the person to explain to Percy for once, but Thalia was stubbornly going on and determined to read this as cheerily as possible if she had to threaten a laugh out of her friend on every page.

The problem was: we were hurtling toward the Underworld at ninety-five miles an hour, betting that Hades had the master bolt.

"You know what I've yet heard," Jason pointed out, "a strategy on how to get it back from him! Ask nicely?"

The sarcasm slipped out of Alex without restraint, "I'm sure if they just confront him, the lord of the underworld will offer it back with an apology."

"Annabeth kept mentioning Persephone might help us," Percy shrugged, speaking to his lap. Not that this idea had ever gone past praying for guidance, it being summer. "In case you hadn't noticed, we were kind of making it up as we went."

"Remind me to never go on a quest with you," Jason rolled his eyes.

"Aren't we technically on one now?" Will grinned.

"Oh gods no, don't even joke about that," Alex scoffed. "This was far from voluntary!"

"We didn't even get our own prophecy," Nico agreed blandly.

Will sighed in relief Nico was still just talking at all while Thalia finally got back to ignoring them properly.

If we got there and found out we were wrong, we wouldn't have time to correct ourselves. The solstice deadline would pass and war would begin.

"The answer is in the Underworld," Annabeth assured me. "You saw spirits of the dead, Percy. There's only one place that could be. We're doing the right thing."

She tried to boost our morale by suggesting clever strategies for getting into the Land of the Dead, but my heart wasn't in it. There were just too many unknown factors. It was like cramming for a test without knowing the subject. And believe me, I'd done that enough times.

Magnus had no clue what he was talking about there, he missed school and spent most of his time in the library when he could just to pretend he still had some normal kind of schedule.

The cab sped west. Every gust of wind through Death Valley sounded like a spirit of the dead. Every time the brakes hissed on an eighteen-wheeler, it reminded me of Echidna's reptilian voice.

At sunset, the taxi dropped us at the beach in Santa Monica. It looked exactly the way L.A. beaches do in the movies, only it smelled worse. There were carnival rides lining the Pier, palm trees lining the sidewalks, homeless guys sleeping in the sand dunes, and surfer dudes waiting for the perfect wave.

Jason swallowed such a feeling of homesickness it should have been palpable. The sense of wrongness for all of this had never truly left him, even after all this time, and now more than ever as he tried to inhale and catch just a tiny wisp of a memory. Nothing, as blank as ever.

Grover, Annabeth, and I walked down to the edge of the surf.

"What now?" Annabeth asked.

The Pacific was turning gold in the setting sun. I thought about how long it had been since I'd stood on the beach at Montauk, on the opposite side of the country, looking out at a different sea.

Hearth smiled at such a small comparison, when he'd had the same thought traveling the world tree. Yggdrasil left no doubts it was all connected.

How could there be a god who could control all that? What did my science teacher used to say-two thirds of the earth's surface was covered in water? How could I be the son of someone that powerful?

"You're really still questioning this, after all you've done so far?" Magnus chuckled.

"Hard to let go of your past," Percy whispered, head still in his hands. He missed his mom like a physical ache, he wished Annabeth were here now to call him a seaweed brain and promise him he hadn't been the cause of the end of the world. He enjoyed Thalia's company, all of theirs, but it wasn't the same.

I stepped into the surf.

"Percy?" Annabeth said. "What are you doing?"

I kept walking, up to my waist, then my chest.

She called after me, "You know how polluted that water is? There're all kinds of toxic-"

"I'm sure it wouldn't make his head any more dense," Thalia smiled like Annabeth was here, she could perfectly imagine that aggrieved look on her face anyways.

"I will find a way to make acid rain chase you," Percy promised, finally looking up with a casual smile. He asked her to pause and went to fetch a coke. He came back with a glass full of blue soda and took several sips before waving her on for whatever was next. (How the beverage was staying in the glass and not being mixed with the ocean was not a question any of them were going to ask anymore than why the food was perfectly cooked and didn't taste like salt before.)

Will watched Nico watch him critically now, actively trying now to figure out what that expression on the son of Hades's face was. Not quite longing, not quite hatred, just something like he was demanding a question Percy was unintentionally ignoring as he sorted his own past out.

The son of Poseidon was a roll with the punches kind of guy, he could laugh and shrug anything off so long as he was the one in danger. Nico most definitely needed to get something off his chest about him though. Will now at least had the start of a suspicion Nico was trying to pretend otherwise and it wasn't working so well for him.

That's when my head went under.

I held my breath at first. It's difficult to intentionally inhale water. Finally I couldn't stand it anymore. I gasped. Sure enough, I could breathe normally.

I walked down into the shoals. I shouldn't have been able to see through the murk, but somehow I could tell where everything was. I could sense the rolling texture of the bottom. I could make out sand-dollar colonies dotting the sandbars. I could even see the currents, warm and cold streams swirling together.

"Wow," Alex said in appreciation. She'd turned into ocean life plenty of times and swam around in Massachusetts Bay, but that was nothing comparable to the notion Percy was connected to the whole sea like this.

I felt something rub against my leg. I looked down and almost shot out of the water like a ballistic missile. Sliding along beside me was a five-foot-long mako shark.

"I'd say cool, but also, gah," Jason pointed out.

"I'm just sticking with cool," Percy grinned.

But the thing wasn't attacking. It was nuzzling me. Heeling like a dog. Tentatively, I touched its dorsal fin.

It bucked a little, as if inviting me to hold tighter. I grabbed the fin with both hands. It took off, pulling me along. The shark carried me down into the darkness. It deposited me at the edge of the ocean proper, where the sand bank dropped off into a huge chasm. It was like standing on the rim of the Grand Canyon at midnight, not being able to see much, but knowing the void was right there.

"Thank you, I now never want to visit there," Jason frowned all the more at falling such a height with no clue when you'd impact.

The surface shimmered maybe a hundred and fifty feet above. I knew I should've been crushed by the pressure.

Alex opened her mouth but Thalia was still reading.

Then again, I shouldn't have been able to breathe.

She nodded and closed her mouth back while Percy rolled his eyes.

I wondered if there was a limit to how deep I could go, if I could sink straight to the bottom of the Pacific.

"We're not actually sure where Oceanus's palace is," Thalia said, "but we think it's somewhere in the Mariana Trench. Of course you could just be under the same protection as us, but I think the answer is just yes," she finished with a shrug, not divulging she was so confident of this because he'd been in Poseidon's palace as well, and as far as she knew, his father had done nothing to increase his gift to safely be down there.

Then I saw something glimmering in the darkness below, growing bigger and brighter as it rose toward me. A woman's voice, like my mother's, called: "Percy Jackson."

As she got closer, her shape became clearer. She had flowing black hair, a dress made of green silk.

The nereid was back, and Percy leaned over Thalia's shoulder eagerly to find out how much she'd share with no catfish and garbage to interrupt the message this time.

She pushed his face back away and threatened, "you try peaking ahead mister and I'll give you a nose piercing, I'll even let you pick the arrow."

He huffed and greatly considered taking the book back just to prove his point, but he also wouldn't put it past Thalia to manage to shoot him before he found out anyways.

Light flickered around her, and her eyes were so distractingly beautiful I hardly noticed the stallion-sized sea horse she was riding.

"You seriously make being the son of Poseidon sound like the coolest thing ever," Magnus sighed.

"I don't think we can trade dude," Percy chuckled.

Jason bit back the snide comment nobody would ever ask to be the son of Neptune, just the idea made him smirk, and yet he'd only heard of Percy in combat and knew him to be a formidable foe without the extra of seeing such creatures. It was the utmost disconcerting.

She dismounted. The sea horse and the mako shark whisked off and started playing something that looked like tag. The underwater lady smiled at me. "You've come far, Percy Jackson. Well done."

I wasn't quite sure what to do, so I bowed.

"Always a safe place to start!" Jason looked relieved he'd finally showed a normal response, and it wasn't even to a god!

"You're the woman who spoke to me in the Mississippi River."

"Yes, child. I am a Nereid, a spirit of the sea. It was not easy to appear so far upriver, but the naiads, my freshwater cousins, helped sustain my life force. They honor Lord Poseidon, though they do not serve in his court."

"And ... you serve in Poseidon's court?"

She nodded. "It has been many years since a child of the Sea God has been born. We have watched you with great interest."

Suddenly I remembered faces in the waves off Montauk Beach when I was a little boy, reflections of smiling women. Like so many of the weird things in my life, I'd never given it much thought before.

Alex was rubbing her temples at this boy. "I swear if we weren't reading your thoughts I'd be questioning if you had them."

"Not everybody can have the magic of Cosmo and Wanda," he snipped right back.

"And you accused me of making bad references," she raised a brow at him.

"You do have sudden-memory-itis quite often," Magnus sided with her.

Thalia cleared her throat heavily while Percy turned to her in betrayal. "I'm under attack and you want to read!" If she was trying to impersonate Annabeth she was doing a great job of it!

"I have faith you can withstand the barrage," she chuckled.

"If my father is so interested in me," I said, "why isn't he here? Why doesn't he speak to me?"

A cold current rose out of the depths.

"Do not judge the Lord of the Sea too harshly," the Nereid told me. "He stands at the brink of an unwanted war. He has much to occupy his time. Besides, he is forbidden to help you directly. The gods may not show such favoritism."

"Even to their own children?"

"Especially to them. 

Jason was staring down at this tattoo again, but he had a feeling like this wasn't really news to him. Just a sense, and not a reliable one since he'd woken up here and hardly anything matched up with the way he was 'supposed' to feel.

The gods can work by indirect influence only. That is why I give you a warning, and a gift."

She held out her hand. Three white pearls flashed in her palm.

"I know you journey to Hades's realm," she said. "Few mortals have ever done this and survived: Orpheus, who had great music skill; Hercules, who had great strength; Houdini, who could escape even the depths of Tartarus. Do you have these talents?"

"Urn ... no, ma'am."

"Ah, but you have something else, Percy. You have gifts you have only begun to know. The oracles have foretold a great and terrible future for you, should you survive to man-hood. Poseidon would not have you die before your time. Therefore take these, and when you are in need, smash a pearl at your feet."

"What will happen?"

"That," she said, "depends on the need. But remember: what belongs to the sea will always return to the sea."

"What about the warning?"

Her eyes flickered with green light. "Go with what your heart tells you, or you will lose all. Hades feeds on doubt and hopelessness. He will trick you if he can, make you mistrust your own judgment. Once you are in his realm, he will never willingly let you leave.

'Ironic, since he doesn't want his own son there,' Nico clenched his hands up, spirits of the drowned made a wailing noise only he heard but they all felt a sudden cold rush. He exhaled slowly and carefully though and it all settled back down to be forgotten again.

He felt Will's eyes on him this time though and studiously ignored the nosy boy.

 Keep faith. Good luck, Percy Jackson."

She summoned her sea horse and rode toward the void.

"Wait!" I called. "At the river, you said not to trust the gifts. What gifts?"

"Good-bye, young hero," she called back, her voice fading into the depths. "You must listen to your heart." She became a speck of glowing green, and then she was gone.

I wanted to follow her down into the darkness. I wanted to see the court of Poseidon. But I looked up at the sunset darkening on the surface. My friends were waiting. We had so little time...

"What does it say about my life when Ares was the better interaction!" Percy burst out in frustration, he felt like slamming his head against a wall to get rid of this headache. How was it possible river water had cured him of chimera poison but his head was pounding so hard in his own domain!

"I know Percy, I'm so sorry," Thalia sighed, she would find some way to get revenge on whoever had done this to him.

I kicked upward toward the shore.

When I reached the beach, my clothes dried instantly. I told Grover and Annabeth what had happened, and showed them the pearls.

Annabeth grimaced. "No gift comes without a price."

"At least you were handed them and didn't have to hunt those down too," Alex offered.

"I'd still keep the receipt," Jason grumbled.

Magnus had a bad feeling about them though, as he more than anyone vividly remembered what Percy was going to the Underworld to really fetch. There were three pearls, and he intended to come back with four people...

"They were free."

"No." She shook her head. "'There is no such thing as a free lunch.' That's an ancient Greek saying that translated pretty well into American. There will be a price. You wait."

"The one prize Annabeth will not win is most cheerful award," Will chuckled.

On that happy thought, we turned our backs on the sea.

With some spare change from Ares's backpack, we took the bus into West Hollywood. I showed the driver the Underworld address slip I'd taken from Aunty Em's Garden Gnome Emporium, but he'd never heard of DOA Recording Studios.

"Which is really saying something since recording studios have to be a dime a dozen out there," Percy frowned.

"I get the feeling this won't be the kind mortals can find," Thalia kindly reminded.

"You remind me of somebody I saw on TV," he told me. "You a child actor or something?"

"Uh ... I'm a stunt double ... for a lot of child actors."

"Oh! That explains it."

We thanked him and got off quickly at the next stop.

We wandered for miles on foot, looking for DOA. Nobody seemed to know where it was. It didn't appear in the phone book.

Twice, we ducked into alleys to avoid cop cars.

"Can I veto out of my own future quests?" Percy groaned for every part of this being as hard as it was possible to be.

"You wouldn't even if you could," Thalia chuckled.

I froze in front of an appliance-store window because a television was playing an interview with somebody who looked very familiar-my stepdad, Smelly Gabe. He was talking to Barbara Walters-I mean, as if he were some kind of huge celebrity. She was interviewing him in our apartment, in the middle of a poker game, and there was a young blond lady sitting next to him, patting his hand.

A fake tear glistened on his cheek. He was saying, "Honest, Ms. Walters, if it wasn't for Sugar here, my grief counselor, I'd be a wreck. My stepson took everything I cared about. My wife ... my Camaro ... I-I'm sorry. I have trouble talking about it."

"There you have it, America." Barbara Walters turned to the camera. "A man torn apart. An adolescent boy with serious issues. Let me show you, again, the last known photo of this troubled young fugitive, taken a week ago in Denver."

The screen cut to a grainy shot of me, Annabeth, and Grover standing outside the Colorado diner, talking to Ares.

"Who are the other children in this photo?" Barbara Walters asked dramatically. "Who is the man with them? Is Percy Jackson a delinquent, a terrorist, or perhaps the brainwashed victim of a frightening new cult? When we come back, we chat with a leading child psychologist. Stay tuned, America."

"If I can have one good thing come out of this," Percy found himself saying not to anyone in here, "let it be this guy taking a plunger next!" He did not mean the kind with a toilet. He found himself actually thinking of Poseidon, whatever faith he had in his father after that meeting with the nereid, despite his hopeless brain, seemed to have been brought out. His dad hadn't broken a vow in almost seventy years before meeting Sally, surely he must have some care for what his son and beloved mortal were putting up with now that he was taking even the most minor interest in their life?

For just a moment, the water warmed, like dipping your toe into a hot bath as it washed around him. Percy smiled softly, and then blinked in surprise to see nobody seemed to have experienced the feeling. 'Thanks dad,' he grinned for the soft feeling of a promise.

"C'mon," Grover told me. He hauled me away before I could punch a hole in the appliance-store window.

"At least save that for Gabe's store when you get back," Alex agreed vindictively.

It got dark, and hungry-looking characters started coming out on the streets to play. Now, don't get me wrong. I'm a New Yorker. I don't scare easy. But L.A. had a totally different feel from New York. Back home, everything seemed close. It didn't matter how big the city was, you could get anywhere without getting lost. The street pattern and the subway made sense. There was a system to how things worked. A kid could be safe as long as he wasn't stupid.

"Only if you grew up there," Jason argued at once, "sounds more like a map to a deathtrap between every alley." Enemy territory, his mind was whispering, he knew he'd never traveled there before and didn't want to now.

"I'll always take the big apple over the city of angels," Percy said, "considering this mess." He didn't even have all of his memories back and he had uneasy feelings about California, especially as he glanced at Thalia and was very convinced this was not a welcome state for more than this quest.

L.A. wasn't like that. It was spread out, chaotic, hard to move around. It reminded me of Ares. It wasn't enough for L.A. to be big; it had to prove it was big by being loud and strange and difficult to navigate, too.

Jason still looked grumpy for some weird reason, why he would take an attack on this state as personal as Percy had gave a bit of a clue where he might be from at least.

It only made Thalia's skin crawl as she again glanced at that oddly specific scar on his lip, and now he was apparently from California!

She glanced at Nico and wondered if she should be worried about a ghost haunting them thanks to her.

I didn't know how we were ever going to find the entrance to the Underworld by tomorrow, the summer solstice.

We walked past gangbangers, bums, and street hawkers, who looked at us like they were trying to figure if we were worth the trouble of mugging.

As we hurried passed the entrance of an alley, a voice from the darkness said, "Hey, you."

Like an idiot, I stopped.

"Admitting to your idiocy doesn't make you less idiotic," Alex frowned.

"So much for New York smarts," Magnus agreed.

"Don't make me separate you two," Percy grumbled inaudibly while they grinned at each other.

Before I knew it, we were surrounded. A gang of kids had circled us. Six of them in all-white kids with expensive clothes and mean faces. Like the kids at Yancy Academy: rich brats playing at being bad boys.

'Are they going to offer to sell him a water bed?' Hearth smiled.

Magnus rolled his eyes, he knew his friend wasn't that naïve, but he was curious how that was going to play in at this point.

Instinctively, I uncapped Riptide.

When the sword appeared out of nowhere, the kids backed off, but their leader was either really stupid or really brave, because he kept coming at me with a switchblade.

I made the mistake of swinging.

The kid yelped. But he must've been one hundred percent mortal, because the blade passed harmlessly right through his chest. He looked down. "What the ..."

I figured I had about three seconds before his shock turned to anger. "Run!" I screamed at Annabeth and Grover.

We pushed two kids out of the way and raced down the street, not knowing where we were going. We turned a sharp corner.

"There!" Annabeth shouted.

Only one store on the block looked open, its windows glaring with neon. The sign above the door said something like CRSTUY'S WATRE BDE ALPACE.

"Crusty's Water Bed Palace?" Grover translated.

"Ha, it was Annabeth's idea," Percy jubilated as he finally got a shot back at somebody here, even Thalia.

"You started it by stopping, you didn't win anything," Thalia wouldn't give in.

It didn't sound like a place I'd ever go except in an emergency, but this definitely qualified.

"Running from mortals qualifies as an emergency?" Will confirmed.

"World War Three is on the horizon and you're on a deadline, but sure this is the priority," Thalia agreed.

"Let's see you two at this!" Percy sighed, but he had an annoying feeling they would just fine. He really wished Annabeth was down here to argue with them properly, but she also might spend the entire time on a presentation with slides he thought fondly.

We burst through the doors, ran behind a water bed, and ducked. A split second later, the gang kids ran past outside.

"I think we lost them," Grover panted.

A voice behind us boomed, "Lost who?"

We all jumped.

Standing behind us was a guy who looked like a raptor in a leisure suit.

"Hang on!" Magnus raised his hand, paused for a moment with his eyes completely glazed over, before nodding and dropping as he finished processing. "Okay, I'm good, continue."

Alex was laughing remorselessly while Hearth was regretting having asked about dinosaurs right now as odd as that seemed to him too.

He was at least seven feet tall, with absolutely no hair. He had gray, leathery skin, thick-lidded eyes, and a cold, reptilian smile. He moved toward us slowly, but I got the feeling he could move fast if he needed to.

His suit might've come from the Lotus Casino. It belonged back in the seventies, big-time. The shirt was silk paisley, unbuttoned halfway down his hairless chest. The lapels on his velvet jacket were as wide as landing strips. The silver chains around his neck-I couldn't even count them.

"I'm Crusty," he said, with a tartar-yellow smile.

I resisted the urge to say, Yes, you are.

"Explain to me again how you mouthed off to Mars but not wana be mobster number five?" Jason asked.

"No, you guys lost your rights during this chapter," Percy scoffed. "You'll get them back when you stop criticizing the twelve year old's."

"Oh, so, never," Alex shrugged without concern.

"Sorry to barge in," I told him. "We were just, um, browsing."

"You mean hiding from those no-good kids," he grumbled. "They hang around every night. I get a lot of people in here, thanks to them. Say, you want to look at a water bed?"

I was about to say No, thanks, when he put a huge paw on my shoulder and steered me deeper into the showroom.

There was every kind of water bed you could imagine: different kinds of wood, different patterns of sheets; queen-size, king-size, emperor-of-the-universe-size.

"And none of them would still contain some people's inflated egos," Thalia smirked, imagining Hera for starters as someone she wished she could drop from the pantheon for such misfortunes.

"This is my most popular model." Crusty spread his hands proudly over a bed covered with black satin sheets, with built-in Lava Lamps on the headboard. The mattress vibrated, so it looked like oil-flavored Jell-O.

Nico's mouth ticked, just the smallest hint of a smile as he couldn't deny how cool that kind of sounded.

Will let out a sigh of relief he'd deny he'd been holding as his demeanor finally relaxed even just a bit from the cold aura he'd gone back to giving off from back at the start.

"Million-hand massage," Crusty told us. "Go on, try it out. Shoot, take a nap. I don't care. No business today, any-way.

"Um," I said, "I don't think ..."

"Million-hand massage!" Grover cried, and dove in. "Oh, you guys! This is cool."

"I'm gunna kill Grover," Jason frowned, this had trap written all over it, and not just because it was the chapter title.

"Nobody kills my satyr but me," Percy defended, but it was half-hearted at best as he wanted to smack him for this too.

"Hmm," Crusty said, stroking his leathery chin. "Almost, almost."

Crusty, the named nagged at something in Nico's mind, something to do with beds, he was sure he had a card over that- not that he cared.

"Almost what?" I asked.

He looked at Annabeth. "Do me a favor and try this one over here, honey. Might fit."

Annabeth said, "But what-"

He patted her reassuringly on the shoulder and led her over to the Safari Deluxe model with teakwood lions carved into the frame and a leopard-patterned comforter.

Thalia's smile was flickering like a bad reception, that bed sounded awesome and something she'd put into her tent, she might even need it as she tensed up again feeling another fight coming. Annabeth had never mentioned this place at all, which meant nothing too important had happened here...

When Annabeth didn't want to lie down, Crusty pushed her.

That snapped everybody to attention, Magnus's hands balled into a fist as he now easily imagined locking this guy in a freezer no matter what he looked like!

Percy's hand was now fisted around his pen, but his fingers were trembling to much to take the cap off. They hadn't seen how fast this guy moved, he'd never get Riptide out in time. He needed Annabeth for this one!

"Hey!" she protested.

Crusty snapped his fingers. "Ergo!"

Ropes sprang from the sides of the bed, lashing around Annabeth, holding her to the mattress.

"That's not what that means!" Magnus yelped in surprise.

"This is not time for a vocab lesson!" Thalia snapped back.*

Grover tried to get up, but ropes sprang from his black-satin bed, too, and lashed him down.

"N-not c-c-cool!" he yelled, his voice vibrating from the million-hand massage. "N-not c-cool a-at all!"

The giant looked at Annabeth, then turned toward me and grinned. "Almost, darn it."

I tried to step away, but his hand shot out and clamped around the back of my neck. "Whoa, kid. Don't worry. We'll find you one in a sec."

"Let my friends go."

"Oh, sure I will. But I got to make them fit, first."

"What do you mean?"

"All the beds are exactly six feet, see? Your friends are too short. Got to make them fit."

"Procrustes," Nico realized. Ugh, what a useless card, it was only available in the water deck and leveled out the playing field to- he forced his brain to stop, again. Why did such childish thoughts have to keep lingering.

"Mythomagic?" Will confirmed. Nico flushed and didn't answer, but he was sure he recognized that now familiar rise and fall of excitement. "You might have to teach me how to play, sounds like this game could be a lifesaver."

Nico didn't answer, but he was side eying Will again as each wondered of the other what his problem was.

Annabeth and Grover kept struggling.

"Can't stand imperfect measurements," Crusty muttered. "Ergo!"

A new set of ropes leaped out from the top and bottom of the beds, wrapping around Grover and Annabeth's ankles, then around their armpits. The ropes started tightening, pulling my friends from both ends.

"Don't worry," Crusty told me, "These are stretching jobs. Maybe three extra inches on their spines. They might even live. Now why don't we find a bed you like, huh?"

"Percy!" Grover yelled.

My mind was racing. I knew I couldn't take on this giant water-bed salesman alone.

"Not with that attitude!" Alex groaned. "You're surrounded by water in those beds, try drowning him!"

"He might charge me for popping them," Percy said with a straight face, not at all blushing for not even thinking of this.

He would snap my neck before I ever got my sword out.

"Your real name's not Crusty, is it?" I asked.

"Legally, it's Procrustes," he admitted.

"The Stretcher," I said. I remembered the story: the giant who'd tried to kill Theseus with excess hospitality on his way to Athens.

"I'm suddenly thankful Oceanus hasn't tried that tactic," Magnus muttered.

"Yeah," the salesman said. "But who can pronounce Procrustes? Bad for business. Now 'Crusty,' anybody can say that."

"You're right. It's got a good ring to it."

"Procrustean does not mean pandering Percy," Magnus sighed.

"You can read the dictionary to me later," Percy lied.

His eyes lit up. "You think so?"

"Oh, absolutely," I said. "And the workmanship on these beds? Fabulous!"

He grinned hugely, but his fingers didn't loosen on my neck. "I tell my customers that. Every time. Nobody bothers to look at the workmanship. How many built-in Lava Lamp headboards have you seen?"

"Not too many."

"That's right!"

"Percy!" Annabeth yelled. "What are you doing?"

"Don't mind her," I told Procrustes. "She's impossible."

"You're lucky she's being strangled or she would have drop kicked you to that bed," Thalia said confidently.

"She still might if I don't rescue her in time," Percy nodded. 

The giant laughed. "All my customers are. Never six feet exactly. So inconsiderate. And then they complain about the fitting."

"What do you do if they're longer than six feet?"

"Oh, that happens all the time. It's a simple fix."

He let go of my neck, but before I could react, he reached behind a nearby sales desk and brought out a huge double-bladed brass axe. He said, "I just center the subject as best I can and lop off whatever hangs over on either end."

"That is a terrible sales pitch!" Jason yelped.

"I agree, let's see if I get through to him," Percy groaned.

"Ah," I said, swallowing hard. "Sensible."

"I'm so glad to come across an intelligent customer!"

The ropes were really stretching my friends now. Annabeth was turning pale. Grover made gurgling sounds, like a strangled goose.

"A true noise of terror I'm sure," Will nodded.

"So, Crusty ..." I said, trying to keep my voice light. I glanced at the sales tag on the valentine-shaped Honeymoon Special. "Does this one really have dynamic stabilizers to stop wave motion?"

"Absolutely. Try it out."

"Yeah, maybe I will. But would it work even for a big guy like you? No waves at all?"

"Guaranteed."

"No way."

"Way."

"Show me."

He sat down eagerly on the bed, patted the mattress.

"I am almost insulted he fell for that," Magnus frowned.

'Monsters still have the same essence we all do, to be seen,' Hearth smiled.

"No waves. See?"

I snapped my fingers. "Ergo."

Ropes lashed around Crusty and flattened him against the mattress.

"Hey!" he yelled.

"Center him just right," I said.

The ropes readjusted themselves at my command. Crusty's whole head stuck out the top. His feet stuck out the bottom.

"What a hypocrite, I was imagining him being six feet perfectly at least," Magnus frowned.

"We don't question the monsters faulty logic of not following their own rules," Percy shrugged.

"No!" he said. "Wait! This is just a demo."

I uncapped Riptide. "A few simple adjustments ..."

I had no qualms about what I was about to do. If Crusty were human, I couldn't hurt him anyway. If he was a monster, he deserved to turn into dust for a while.

"You drive a hard bargain," he told me. "I'll give you thirty percent off on selected floor models.'"

"You've got to admire he's still trying," Alex said.

"I'm almost tempted to take that deal and still lop his head off," Thalia agreed.

"I think I'll start with the top." I raised my sword.

"No money down! No interest for six months!"

I swung the sword. Crusty stopped making offers.

I cut the ropes on the other beds. Annabeth and Grover got to their feet, groaning and wincing and cursing me a lot.

"You look taller," I said.

"Puberty," Will said tragically, "girls are always taller than us when we need it least."

"Yes, I'm so sure that was it," Percy laughed in relief.

"Very funny," Annabeth said. "Be faster next time."

"You're welcome," Percy smirked like she was here now to roll her eyes at him again.

I looked at the bulletin board behind Crusty's sales desk. There was an advertisement for Hermes Delivery Service, and another for the All-New Compendium of L.A. Area Monsters-"The only Monstrous Yellow Pages you'll ever need!" Under that, a bright orange flier for DOA Recording Studios, offering commissions for heroes' souls. "We are always looking for new talent!" DOA's address was right underneath with a map.

"It's the little things about this mess that get me," Jason nodded, "you guys have almost literally stumbled into everything helpful."

"Never underestimate the power of the fates," Thalia shrugged.

"We get none of the credit here?" Percy pouted.

"Three percent," Jason mocked.

"Come on," I told my friends.

"Give us a minute," Grover complained. "We were almost stretched to death.'"

"Then you're ready for the Underworld," I said. "It's only a block from here."

"I wonder if he gave discounts for mileage," Thalia said while looking around at Nico curiously. He'd offered to take the book from her last time, but she didn't want to force him back to talking if he didn't want to yet.

PJOPJOPJO

*Now is the time for the vocab lesson. Ergo means therefor, but in Greek, it means work.

[theimpossiblyseo-blog]

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Understanding How Point Of Banking Systems Work

In the US, dispensaries and similiar businesses use online payment solutions to process their transactions securely. In some areas, credit card payments are restricted according to regulations and purchase types. Understanding how a point of banking system works is the first step to realizing how beneficial the products are for companies and consumers. What is a Point of Banking System? It is an option for processing payments when traditional credit cards aren't available for purchases or restrictions prevent certain purchases due to federal regulations. merchant account are a way to work around major credit card processing and use a PIN-based service to process payments. It is best suited for high-risk credit card processing situations. How Does It Work? The shops use point of banking terminals to process the payments. The consumer swipes their preferred card through the terminal and, instead of the transaction showing as a purchase, it proceeds like an ATM withdrawal. After the consumer enters their PIN number, they type in the exact price of their transaction. The withdrawal is processed through this bypass and the money from the customer is collected by the store. Like ATM machines, the terminals deduct the funds in increments of $5. If the purchase price is less than the amount deducted, the cashier gives the consumer their change in cash. It takes about three days for the funds to transfer from the customer account into the shop's bank account. In some stores, there is a convenience fee that is charged for using the alternative banking option. Why Do Merchants Need PIN Debit Payments or E-Wallet Payments? The solution offers credit card processing for dispensaries with discretion. The payments aren't under scrutiny like most transactions involving major credit cards. credit card merchant fees can transfer funds to alternative payment choices and complete their transactions securely and without prying eyes watching their purchases. Merchants can sell products to consumers who need medications and related items. Managing Complaints and Pricing Merchants review custom packages for the PIN-based payment solutions. The packages offer more affordable pricing for their payment solution. The service provider helps the merchant avoid complaints about their chosen solution and keeps fees to a minimum. In the US, businesses that sell products online and in person discreetly need a payment solution that is helpful for all their customers. The solutions help consumers pay for their purchases in the same way that they withdraw money from their banks. Businesses that want to learn more about the options contact trenchtown processing or visit trenchtownprocessing.com right now.

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The Truth About Credit Card Processing

Many credit card processors or merchant processors claim to offer the best rates in the industry. Let me clarify the matter. Credit card processors all pay the same amount per transaction to Visa Master-Card Amex, Visa Master-Card and Discover. It's similar to a dealership purchasing a car from General Motors. The MSRP of all the cars is the same, but the dealership who is willing to give up a substantial amount of their markup or commission is the one that will sell the most cars because they have lower prices. They don't get cars at a lower price, but they do believe in selling more than price gouging. The Merchant processing industry is the same. Merchant transactions are processed by all credit card processing companies at the same cost. A merchant is you, the customer who owns the shop front or lacation Free Credit Card Processor.

Interchange is the cost involved in doing this. Interchange refers to the charge Visa, Master-Card, etc. make for this transaction. This transaction is subject to a charge. The merchant processing company adds the charge to the transaction, resulting in a small profit. Merchant processing companies divide the charges into Qualified "regular monthly pay credit cards", Middle qualified "Credit card with debit option and most regular cards that can be carried", Non qualified cads ("business cards, flyer miles cards, rewards cards etc.") to make more profit. Debit pin-entered cards "Debit cards that require you to enter your pin number for verification at the point of sale." Qualified cards start at 1.75%, while mid-qualifed cards start at 2.75%. Non qualified cards start at 3.5%. The cost of a debit pin is typically around.35 cents per transaction plus 1%.

This is not the whole As with the pin entered transaction all qualifed-style transactions "mid", non, etc. Transaction fees are charged for swipes of the cards. These transaction fees are 0.25 cents per swipe. This is how merchants "you" can get taken for a ride, just by the transaction and percentage fees. There's more. These fees come with a long list of additional fees. Annual fees to have the account "usually $150", Monthly minimum fee "$25-75 per month" Statement fees "$10-15 per month". There are maintenance fees, reprogramming and late fees. Merchant processing companies offer "FREE Terminals", or credit card machines, to offset the negative feelings one might have from being charged such ridiculous fees.

There is no free in this world. If you look closely, you'll find that most companies that offer a free machine have hidden amounts of fees or high non-qualified rates to compensate for it. They charge between 2.5% and 4.5% for non-qualified fees and mid fees. However, they don't disclose the fees because they are not required to. In a technical aspect, the individual pays monthly for the machine. However, he or she believes the machine was provided free of charge. The merchant can cancel the contract by contacting the company. Nearly all processors charge a cancellation fee, which is usually around $450. The merchant must pay this fee and return the machine to the processor. The merchant processor moves on to the next victim. You can either buy a newer machine or lease it. This will give you the most bang for your buck. If a company offers free upgrades, replacements, and a lifetime warranty, you should only lease. This is the best option because a lease can be written off at 100% and you don't have to buy a new machine that meets all your requirements.

"Complaint: A machine that can accept smart cards and has microchip readers for future cards. It's not fair to be the gas station attendant with three machines at his counter, or the merchant who has to cover the card in plastic to allow the scanner to read it properly. Or even the Wal-Mart register that isn't working because the Credit Card Terminal isn't working correctly. You should only lease when the terms of the agreement are fair.

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Try These 5 Things Once You First Begin BigCommerce (As A Result Of}

Having internet vendors today is quite vital for each business house or for people who want to sell something allow it be services or products.

Now, everybody won't have the technical knowledge to develop the web stores by themselves or won't be in a position to hire professional developers to do the duty. This informative article will discuss about some eCommerce software that will help in developing internet vendors with having hardly any or no knowledge of technical things. Both software will allow you to in building your store that is online it depends in your requirement to choose the type of software. So, why don't we find the difference out between these solutions. They are more user-friendly software that will permit you to build online retailers without having any technical knowledge. So, people who do not want to think about hosting, coding or security associated with store that is online do it now. Shopify : It is regarded as among the best hosted eCommerce software available for sale today that helps in ecommerce web development. This software is known for the scalability and can be used by both small and companies that are big. This has numerous themes in a variety of niche, numerous apps to improve the functionality regarding the store, 24/7 support and qualified ecommerce development company available for hire if you'd like to customize your store. Bigcommerce : It is another eCommerce website builder that gives you the freedom in developing your web store without knowing about background technicalities. It has a few of the amazing eCommerce tools to assist you in building robust online shop. Promotion of the online shop becomes easy with this particular software on various social channels. It also provides various apps to boost the functionality regarding the store. Then this is not your cup of tea because to use this kind of software requires coding knowledge if you are not computer savvy or don't have technical knowledge. Normally, people hire ecommerce web development company to develop their online retailers using these technologies. Whiles using these software you need to manage your own hosting, set up and configure it. Magento : it's the dominant open source shopping cart builder in the market. The real reason for the popularity could be the extent to which one can customize the functions associated with software. In the event that you hire professional and experienced developers who are offering ecommerce website development services, you'll be able to design your store according to your desire. WordPress with WooCommerce : WordPress is generally accepted as the strongest management that is content and when it combines with WooCommerce, it offers most flexible solution for ecommerce website development. However, to utilize this service you need to have understanding of coding and also just how to install, setup and configure it to make it work properly.

An Unbiased View of BigCommerce

Putting a dollar amount on the cost to begin up an eCommerce business is difficult. Some people start up their eCommerce sites on shoestring budgets, although some appears to have bottomless budgets and out go all. But you can estimate simply how much you may need because there are a complete lot of fixed costs involved with starting the business and you will add them in while you go down the directory of needs and requirements. Listed below are a few of the costs that are different you are going to come across while you set about your eCommerce business. You are not an eCommerce site owner without a web presence. That means a hosting is needed by you service that's built to handle eCommerce and the various kinds of eCommerce software platforms available. Additionally you want a service that will offer you cloud storage at a reasonable cost and can react to heavy loads from multiple users on the webpage at the same time. Hosting packages that provide these services typically feature stable prices so that you discover how much you need to devote to services. You should think about going with a hosting service that allows you to head to a lower-priced package when your business slows down if you're a operation that is seasonal. Hosting can cost anywhere from $20 - $250 when starting out. Whenever your e-commerce site starts traffic that is getting gets busier (speed, security, scale, and redundancy), your web hosting costs can move up to $1000 - $2000 per month (cloud website hosting). A business model worth considering is aliexpress dropshipping in case you choose Shopify as your platform. Dropshipping will not need you to store any inventory, as the buyers are connected by you straight to suppliers and pocket the difference. If you do not have a lot of cash to pay upfront on a good eCommerce software suite, purchase a starter package that has the choice to expand into more features when you're able to afford to buy. Understand that right time is money and that the less time you spend building your internet site, the earlier your website could be ready to go and attracting some customers. You will need some kind of payment processing on your site to make sales. A merchant account allows you to accept bank cards, e-checks, and direct debits from a customer's account. This might be made possible via a payment gateway that verifies that the account information is correct, the account holder has provided the best personal information that is from the account, and the money that's being requested is available in the account. In turn, the merchant service provider charges you a fee in the shape of a share associated with transaction and a collection amount for the transaction itself.

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12:36 a.m. Sept. 10, 2020

Ex-Bigcommerce customer

The control panel associated with the platform works along Web

The Owl

Updates ecommerce website automatically, unlike other platforms

It accepts the type of business you're engaging in when you choose a merchant service provider, make sure that. Some companies are deemed risk that is high regarding the merchandise that is being sold. Some banks don't want to cope with the high risk and will deny or close the account when they discover what's for sale. Opening an eCommerce company is exciting and thrilling, but inaddition it means lots of money is certainly going out the door for the startup portion. Spend wisely, buy what is needed, again spend wisely, saving up to you can, and attempt to anticipate needs that are future order to develop. Please enable JavaScript to view the comments running on Disqus. Setting up a web page and listing all your products is just the beginning of one's e-commerce journey. You must adjust, change, and improve several things before that website of yours generates your profitable revenue. These growth that is e-commerce will allow you to effectively frame your site content. Payment gateways are a aspect that is tricky get a hang of. Just whenever you think you get it figured out, it may surprise you against out of the blue. In an payment that is online, they contain the same weight as a credit/debit card swiping machine in a regular brick and mortar store. Magento Maintenance: What Does It Entail? Magento is a popular e-commerce and content management systems (CMS) in the world. The platform that is easy-to-use constructed on a Zend framework and written in PHP language. Then you haven’t yet experienced the pain of retaining them if you think that acquiring new customers is hard. Every business owner understands that it requires a great deal to retain a customer for a prolonged time period. The rise of eCommerce has revolutionized the retail industry significantly. The e-commerce platform plays a significant role into the success of selling products and services online. Most of the companies find it challenging to determine whether to choose an on-premise or an e-commerce platform. Selecting the right eCommerce platform for the web store is pivotal for a business’s success. Multiple open-source eCommerce platforms can be found today to guide you in building and running your eCommerce store conveniently. Ecommerce is the norm that is new it comes to shopping. Ecommerce entrepreneurs like it and a lot of importantly, users love shopping on the web! This post will highlight how eCommerce businesses are boosting their revenue by integrating eCommerce ERP systems. I will give you the details on the significance of ERP integration with an eCommerce platform and exactly how to leverage the greatest advantages. Top 7 strategies for ERP Integration to Revolutionize e-Commerce Retail Business? Today eCommerce is the launch pad for boosting the sales for almost any goods and services by expanding their footprint around the world through the Internet. Most of the businesses are joining this bandwagon by introducing their stores that are online. Copyright 2005-2020 - ArticleCube, All rights reserved. Usage of our service is protected by our online privacy policy and Terms of Service.

Could you have the ability to make an extra $300 each month? Sure. Think about a supplementary $1000 each month? How would that completely improve your life? To most, it might make a monumental effect.

But imagine if we were thousands that are talking for each month if not many thousands more? How would that produce a positive change? Clearly, you possibly can make cash on the internet and sell products/services. You simply have to choose just how much of your energy it is worth. With more than 3.2 billion people now actively utilising the internet and some popular ecommerce platforms, we're well into a monstrous transformation in how the world does business. We are located in an age where there are not any longer limitations about what you can accomplish predicated on too little financial resources or location that is geographic. You can find quite really a huge selection of clever techniques to make money online using an ecommerce builder like Shopify, Bigcommerce, and Builderfly. From building online websites to selling your old clothes and phones, as well as buying low-cost products locally, just to resell them for a greater price on marketplaces. There's no shortfall of suggestions to generate income. If there is a distinct segment you're keen on and you may build a decent audience around it, starting a blog and utilizing affiliate marketing online to build income is a mind-boggling approach to produce money online. When you have launched your site (or niche website), the next thing is to check out which products and companies it is possible to collaborate with as an affiliate to simply help facilitate sales of related, useful items for the future readers. More or less, affiliate marketing online is selling another person's product by referring customers to their online shop. Info products. You promote products like video series, ebooks, membership sites, etc. This kind of affiliate marketing can earn you up to half or higher in commission, has barriers that are relatively low entry, and it is very easy to discover products to promote. Amazon partners. Many online marketers are successful with Amazon. There are so products that are many choose from, also it very well may be very beneficial. Dropshipping is once you create an store that is online sell other individual's products. Then, you obtain a commission for every single sale. The benefit here is you don't need certainly to risk buying up stock in a product and losing money if it doesn't sell. The entry barrier is lower and you also don't have to contribute so a lot to begin. If you wish to work out how to dropship, Drop Ship Lifestyle is probably the resource that is best to obtain started.

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The Best Credit Card Processing Companies (In-Depth Review)

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.

There are many touchpoints along the customer journey. The transaction is of course one of the most important, if not the most important.

So, the way in which you accept payments matters for both you and the customer. You need to have the right software and/or hardware in place to make sure transactions are simple and secure for both parties. 

Not only that, as a business owner you need to know that you’re not shelling out cash on inferior services or unnecessary additional fees.

Therefore, this post will cover everything you need to know about choosing the right credit card processing company. Plus, I’ll introduce my top picks for a wide range of businesses of different sizes and with different needs.

The Top 10 Credit Card Processing Companies

Square

PayPal

FIS

Stripe

Payline Data

Fiserv

BitPay

Adyen

Dharma Merchant Services

Fattmerchant

How to Choose the Best Credit Card Processing Company for You

Here are some key elements to consider when choosing the right credit card processing company for you:

1. Fees

Look at the payment terms and fees carefully. Different companies offer different pricing models and things can start to get a little complex.

Firstly, there are interchange fees, which is the percentage taken by the company on every transaction made. Full-service credit card processing companies also take a monthly fee. There may also be additional costs, such as setup or monthly minimum fees.

2. Accepted Payment Methods

Nowadays, you need a payment processing company that accepts more than just debit and credit cards. Digital wallets like PayPal, Google Pay or Apple Pay have become extremely popular. 

3. Customer Experience

When shopping, customers want the entire experience to be quick and easy. This is particularly important in e-commerce where the checkout process needs to be streamlined. 

In fact, a long and complicated checkout process is the number three reason why consumers abandon their carts in 2020.

It’s also vital that the payment gateway is secure because obviously we’re dealing with sensitive data here. So, look for elements such as PCI compliance and encryption.

4. User Experience

Of course, you or your staff are going to be the ones actually using these systems. Thus, the software, apps and/or hardware need to be user-friendly.

Furthermore, with tech, there’s likely to be a glitch or an issue at some point. This means that you need a credit card processing company that offers superior customer support. The reason being, the longer your payment processor is down, the more sales you lose.

Now you know what you need to consider when researching credit card processing companies, let’s take a look at how they work.

The Different Types of Credit Card Processing Company

There are two main types of credit card processing company. Here’s the 411:

Credit Card Processor

A credit card processor is the go-between that takes care of transactions. The processor takes the funds from the customer’s account and deposits them in your merchant account. It also ensures that the transaction information is correct, the customer has sufficient funds and notifies the payment gateway that the transaction was successful.

Full-Service Credit Card Processor & Merchant Account

Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. These providers tend to offer lower interchange fees but also charge a monthly fee and additional fees, such as the above-mentioned setup fees and so on.

Depending on the size of your operation and the volume of payments you receive, you’ll have to calculate which type of credit card processing company is going to keep costs low overall. Look for companies that are transparent and straightforward about the way in which they operate and take fees.

#1 – Square — The Best for Ease of Use

Square is a hugely popular, low-fee credit card processing company for online and brick-and-mortar stores.

Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems:

Bonus: you can get the software and Square Reader for free.

The beauty of Square truly lies in its simplicity. The company offers a transparent, straightforward pricing model: 2.6% + 10¢ for every tap (mobile payment), dip (chip card) or swipe (magstripe card) on the POS and 2.9% + 30¢ for e-commerce transactions.

Other benefits include active fraud prevention, end-to-end encryption, a quick sign-up process and live phone support.

Essentially, Square is an easy-to-use all-rounder that would be an excellent choice for a wide range of businesses.

#2 �� PayPal Commerce Platform Review — The Best for Individuals & Low-Volume Sellers

You’re no doubt familiar with PayPal (unless you’ve been living under a rock), but you may not be as familiar with its commerce platform.

With the PayPal Commerce Platform you can take payments online, in-store, on-the-go with an iZettle card reader, by QR code, over the phone and via social shopping links:

If you’re a solopreneur or small business just starting out then the platform is a fantastic choice for you. PayPal offers a flat-rate system where you only pay for the processing services you use.

The other great thing about PayPal is that it’s a highly recognizable and trusted brand. Therefore, advertising the fact that you accept PayPal payments could lead to more conversions.

Overall, the PayPal Commerce Platform is a secure, user-friendly and low-cost solution for beginners, individuals and low-volume sellers.

#3 – FIS — The Best for Small Businesses

FIS (formerly Worldpay) is a global banking software provider that offers payment processing solutions for large enterprises, small businesses and e-commerce stores.

However, this company puts most of its focus on small businesses, serving a range of industries including grocery, retail, restaurants, personal and professional services: 

And this is where FIS really shines as they work directly with small businesses to give them competitive terms and rates. You must contact FIS for a quote.

FIS also stands out as a great provider because of their superior 24/7/365 customer support. Furthermore, their software integrates with 1000+ POS systems which is great if you don’t wish to purchase one of their smart terminals.

FIS is the choice for you if you own a small business and want a customizable solution.

#4 – Stripe — The Best for Internet Businesses

Stripe was designed with a range of online businesses in mind, including e-commerce, mobile commerce, subscription services, marketplaces and other platforms. So, if you’re primarily a web-based business then Stripe is the choice for you.

What also makes it the best choice for online businesses is that the company provides tons of pre-built integrations and ready-made checkout forms for major e-commerce platforms, subscription services and the like:

There’s a simple pay-as-you-go pricing model of 2.9% + 30¢ with no additional monthly or setup fees. 

Stripe is also one of the most technologically-advanced solutions out there with its dedication to improving the platform and machine learning models for intelligent optimizations.

If you’re looking for a competitively-priced credit card processor that will integrate easily with your online business, choose Stripe.

#5 – Payline Data — The Best for High-Risk Merchants

Payline Data offers in-person, online and mobile payment solutions for companies of varying sizes. 

It’s the best option for high-risk merchants that struggle to get approved for accounts elsewhere. Thanks to its partnerships with major banks and premiere support team, Payline Data is able to simplify high-risk account management.

Payline Data’s pricing model is a little more complex than other options with setup, monthly and other additional fees involved. Take a look:

However, you can work out exactly what your monthly costs will be using their payment calculator tool.

Another advantage of using Payline Data is its integrations with major POS, shopping cart and accounting software providers, along with developer APIs for a customizable solution.

As long as you consider the costs carefully, this could be the simplest and cheapest option for those looking for a high-risk merchant account.

#6 – Fiserv — The Best for High-Volume Retailers

This company provides a convenient, secure and reliable payment processing service as well as end-to-end accounting services, if you require them.

What makes Fiserv the best choice for high-volume retailers is the fact that you can negotiate favorable interchange-plus pricing and terms. Or you can opt for flat-rate pricing via its Clover platform.

Having recently merged with international payment processing leader First Data, Fiserv is also a great option for those who operate globally. 

Seven out of the ten largest digital merchants trust Fiserv. Plus, retailers can accept a range of payment methods that are popular around the world, such as Alipay.

Fiserv is the right choice for more experienced, high-volume and global retailers.

#7 – BitPay — The Best for Accepting Crypto

Though technically not a credit card processing company, BitPay is a forward-thinking payment processing company for those who want to add crypto into the mix.

Owned by Shark Tank powerhouse, Mark Cuban, BitPay allows you to accept a range of cryptocurrencies online, via email and in-store. 

The way it works is simple – the customer gets an invoice, they pay in crypto at a locked-in exchange rate, BitPay converts the payment into your local currency and you receive the payment in your account the next day:

Due to the nature of crypto, you can accept payments from around the globe without having to worry about fraudulent purchases. What’s more, BitPay promises a flat rate fee of 1% and no hidden fees. 

So, if you’d like to expand your reach and gain access to the crypto market, BitPay is for you.

#8 – Adyen — The Best for Growing Enterprises

Adyen isn’t for newbies. It counts the likes of Uber, Virgin Hotels, Hunter and Spotify among its customers. So, it’s perfect for growing enterprises that are ready to take their business to the next level. 

You can benefit from transaction optimization to help you get the most revenue from your sales, as well as in-depth reporting on the platform to better understand your customers and aid growth:

Fees vary depending on the payment method used. Yet, Adyen provides a transparent list of all fees for each payment method on their site.

Other benefits include data-driven security, fraud prevention and access to a dedicated team of payment specialists who will provide you with expert advice.

Overall, if you’re focused on growth, Adyen is the perfect partner.

#9 – Dharma Merchant Services — The Best for Quick Service Payments

Dharma is a low-fee credit card processor that specializes in retail and quick service transactions. In other words, if you own a restaurant, bar, fast food joint or other quick service business then this is a great choice for you.

The company offers a low fee of 0.15% and $0.07 per transaction above interchange for storefronts and restaurants:

Plus, the virtual terminal and app are free. The e-commerce rate is slightly higher at 0.20% + $0.10.

With Dharma, you also benefit from exceptional customer service. If you’re new to credit card processing you can get a free consultation and ask all of the questions you need to. Plus, they offer 24/7 tech support.

Choose Dharma if you own a quick service business and need support along the way.

#10 – Fattmerchant — The Best for Professional Services

Fattmerchant provides a range of smart payment processing solutions, but really nails it when it comes to professional service providers.

The reason being, the platform offers the ability to send invoices and retrieve recurring payments quickly and easily. There’s also the option to create payment links and even buttons to take payments for subscription services.

The platform has features which will speed up your business processes through automation, e.g. automated payment reminders:

Fattmerchant offers a different pricing model to many other credit card processing companies. There’s a flat rate subscription fee starting at $99 but 0% markup on interchange and no pesky additional fees.

Essentially, Fattmerchant’s software is a fantastic choice for a range of businesses, but especially for those in professional services or that take recurring payments.

Summing Up

Naturally, there are several criteria to consider when choosing a credit card processing company. Often it will depend on the type of business you run and the volume of payments you take.

Furthermore, some options are better suited to smaller businesses or beginners while others provide more advanced solutions for experienced, higher-volume companies.

Above all, you want a company that offers transparency, security, strong customer support, great software and hardware and the right pricing model to suit your needs.

Now it’s over to you to explore these top providers further and make the right choice.

The post The Best Credit Card Processing Companies (In-Depth Review) appeared first on Neil Patel.

The Best Credit Card Processing Companies (In-Depth Review) Publicado primeiro em https://neilpatel.com

[remelitalia]

The Best Credit Card Processing Companies (In-Depth Review)

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.

There are many touchpoints along the customer journey. The transaction is of course one of the most important, if not the most important.

So, the way in which you accept payments matters for both you and the customer. You need to have the right software and/or hardware in place to make sure transactions are simple and secure for both parties. 

Not only that, as a business owner you need to know that you’re not shelling out cash on inferior services or unnecessary additional fees.

Therefore, this post will cover everything you need to know about choosing the right credit card processing company. Plus, I’ll introduce my top picks for a wide range of businesses of different sizes and with different needs.

The Top 10 Credit Card Processing Companies

Square

PayPal

FIS

Stripe

Payline Data

Fiserv

BitPay

Adyen

Dharma Merchant Services

Fattmerchant

How to Choose the Best Credit Card Processing Company for You

Here are some key elements to consider when choosing the right credit card processing company for you:

1. Fees

Look at the payment terms and fees carefully. Different companies offer different pricing models and things can start to get a little complex.

Firstly, there are interchange fees, which is the percentage taken by the company on every transaction made. Full-service credit card processing companies also take a monthly fee. There may also be additional costs, such as setup or monthly minimum fees.

2. Accepted Payment Methods

Nowadays, you need a payment processing company that accepts more than just debit and credit cards. Digital wallets like PayPal, Google Pay or Apple Pay have become extremely popular. 

3. Customer Experience

When shopping, customers want the entire experience to be quick and easy. This is particularly important in e-commerce where the checkout process needs to be streamlined. 

In fact, a long and complicated checkout process is the number three reason why consumers abandon their carts in 2020.

It’s also vital that the payment gateway is secure because obviously we’re dealing with sensitive data here. So, look for elements such as PCI compliance and encryption.

4. User Experience

Of course, you or your staff are going to be the ones actually using these systems. Thus, the software, apps and/or hardware need to be user-friendly.

Furthermore, with tech, there’s likely to be a glitch or an issue at some point. This means that you need a credit card processing company that offers superior customer support. The reason being, the longer your payment processor is down, the more sales you lose.

Now you know what you need to consider when researching credit card processing companies, let’s take a look at how they work.

The Different Types of Credit Card Processing Company

There are two main types of credit card processing company. Here’s the 411:

Credit Card Processor

A credit card processor is the go-between that takes care of transactions. The processor takes the funds from the customer’s account and deposits them in your merchant account. It also ensures that the transaction information is correct, the customer has sufficient funds and notifies the payment gateway that the transaction was successful.

Full-Service Credit Card Processor & Merchant Account

Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. These providers tend to offer lower interchange fees but also charge a monthly fee and additional fees, such as the above-mentioned setup fees and so on.

Depending on the size of your operation and the volume of payments you receive, you’ll have to calculate which type of credit card processing company is going to keep costs low overall. Look for companies that are transparent and straightforward about the way in which they operate and take fees.

#1 – Square — The Best for Ease of Use

Square is a hugely popular, low-fee credit card processing company for online and brick-and-mortar stores.

Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems:

Bonus: you can get the software and Square Reader for free.

The beauty of Square truly lies in its simplicity. The company offers a transparent, straightforward pricing model: 2.6% + 10¢ for every tap (mobile payment), dip (chip card) or swipe (magstripe card) on the POS and 2.9% + 30¢ for e-commerce transactions.

Other benefits include active fraud prevention, end-to-end encryption, a quick sign-up process and live phone support.

Essentially, Square is an easy-to-use all-rounder that would be an excellent choice for a wide range of businesses.

#2 – PayPal Commerce Platform Review — The Best for Individuals & Low-Volume Sellers

You’re no doubt familiar with PayPal (unless you’ve been living under a rock), but you may not be as familiar with its commerce platform.

With the PayPal Commerce Platform you can take payments online, in-store, on-the-go with an iZettle card reader, by QR code, over the phone and via social shopping links:

If you’re a solopreneur or small business just starting out then the platform is a fantastic choice for you. PayPal offers a flat-rate system where you only pay for the processing services you use.

The other great thing about PayPal is that it’s a highly recognizable and trusted brand. Therefore, advertising the fact that you accept PayPal payments could lead to more conversions.

Overall, the PayPal Commerce Platform is a secure, user-friendly and low-cost solution for beginners, individuals and low-volume sellers.

#3 – FIS — The Best for Small Businesses

FIS (formerly Worldpay) is a global banking software provider that offers payment processing solutions for large enterprises, small businesses and e-commerce stores.

However, this company puts most of its focus on small businesses, serving a range of industries including grocery, retail, restaurants, personal and professional services: 

And this is where FIS really shines as they work directly with small businesses to give them competitive terms and rates. You must contact FIS for a quote.

FIS also stands out as a great provider because of their superior 24/7/365 customer support. Furthermore, their software integrates with 1000+ POS systems which is great if you don’t wish to purchase one of their smart terminals.

FIS is the choice for you if you own a small business and want a customizable solution.

#4 – Stripe — The Best for Internet Businesses

Stripe was designed with a range of online businesses in mind, including e-commerce, mobile commerce, subscription services, marketplaces and other platforms. So, if you’re primarily a web-based business then Stripe is the choice for you.

What also makes it the best choice for online businesses is that the company provides tons of pre-built integrations and ready-made checkout forms for major e-commerce platforms, subscription services and the like:

There’s a simple pay-as-you-go pricing model of 2.9% + 30¢ with no additional monthly or setup fees. 

Stripe is also one of the most technologically-advanced solutions out there with its dedication to improving the platform and machine learning models for intelligent optimizations.

If you’re looking for a competitively-priced credit card processor that will integrate easily with your online business, choose Stripe.

#5 – Payline Data — The Best for High-Risk Merchants

Payline Data offers in-person, online and mobile payment solutions for companies of varying sizes. 

It’s the best option for high-risk merchants that struggle to get approved for accounts elsewhere. Thanks to its partnerships with major banks and premiere support team, Payline Data is able to simplify high-risk account management.

Payline Data’s pricing model is a little more complex than other options with setup, monthly and other additional fees involved. Take a look:

However, you can work out exactly what your monthly costs will be using their payment calculator tool.

Another advantage of using Payline Data is its integrations with major POS, shopping cart and accounting software providers, along with developer APIs for a customizable solution.

As long as you consider the costs carefully, this could be the simplest and cheapest option for those looking for a high-risk merchant account.

#6 – Fiserv — The Best for High-Volume Retailers

This company provides a convenient, secure and reliable payment processing service as well as end-to-end accounting services, if you require them.

What makes Fiserv the best choice for high-volume retailers is the fact that you can negotiate favorable interchange-plus pricing and terms. Or you can opt for flat-rate pricing via its Clover platform.

Having recently merged with international payment processing leader First Data, Fiserv is also a great option for those who operate globally. 

Seven out of the ten largest digital merchants trust Fiserv. Plus, retailers can accept a range of payment methods that are popular around the world, such as Alipay.

Fiserv is the right choice for more experienced, high-volume and global retailers.

#7 – BitPay — The Best for Accepting Crypto

Though technically not a credit card processing company, BitPay is a forward-thinking payment processing company for those who want to add crypto into the mix.

Owned by Shark Tank powerhouse, Mark Cuban, BitPay allows you to accept a range of cryptocurrencies online, via email and in-store. 

The way it works is simple – the customer gets an invoice, they pay in crypto at a locked-in exchange rate, BitPay converts the payment into your local currency and you receive the payment in your account the next day:

Due to the nature of crypto, you can accept payments from around the globe without having to worry about fraudulent purchases. What’s more, BitPay promises a flat rate fee of 1% and no hidden fees. 

So, if you’d like to expand your reach and gain access to the crypto market, BitPay is for you.

#8 – Adyen — The Best for Growing Enterprises

Adyen isn’t for newbies. It counts the likes of Uber, Virgin Hotels, Hunter and Spotify among its customers. So, it’s perfect for growing enterprises that are ready to take their business to the next level. 

You can benefit from transaction optimization to help you get the most revenue from your sales, as well as in-depth reporting on the platform to better understand your customers and aid growth:

Fees vary depending on the payment method used. Yet, Adyen provides a transparent list of all fees for each payment method on their site.

Other benefits include data-driven security, fraud prevention and access to a dedicated team of payment specialists who will provide you with expert advice.

Overall, if you’re focused on growth, Adyen is the perfect partner.

#9 – Dharma Merchant Services — The Best for Quick Service Payments

Dharma is a low-fee credit card processor that specializes in retail and quick service transactions. In other words, if you own a restaurant, bar, fast food joint or other quick service business then this is a great choice for you.

The company offers a low fee of 0.15% and $0.07 per transaction above interchange for storefronts and restaurants:

Plus, the virtual terminal and app are free. The e-commerce rate is slightly higher at 0.20% + $0.10.

With Dharma, you also benefit from exceptional customer service. If you’re new to credit card processing you can get a free consultation and ask all of the questions you need to. Plus, they offer 24/7 tech support.

Choose Dharma if you own a quick service business and need support along the way.

#10 – Fattmerchant — The Best for Professional Services

Fattmerchant provides a range of smart payment processing solutions, but really nails it when it comes to professional service providers.

The reason being, the platform offers the ability to send invoices and retrieve recurring payments quickly and easily. There’s also the option to create payment links and even buttons to take payments for subscription services.

The platform has features which will speed up your business processes through automation, e.g. automated payment reminders:

Fattmerchant offers a different pricing model to many other credit card processing companies. There’s a flat rate subscription fee starting at $99 but 0% markup on interchange and no pesky additional fees.

Essentially, Fattmerchant’s software is a fantastic choice for a range of businesses, but especially for those in professional services or that take recurring payments.

Summing Up

Naturally, there are several criteria to consider when choosing a credit card processing company. Often it will depend on the type of business you run and the volume of payments you take.

Furthermore, some options are better suited to smaller businesses or beginners while others provide more advanced solutions for experienced, higher-volume companies.

Above all, you want a company that offers transparency, security, strong customer support, great software and hardware and the right pricing model to suit your needs.

Now it’s over to you to explore these top providers further and make the right choice.

The post The Best Credit Card Processing Companies (In-Depth Review) appeared first on Neil Patel.

Original content source: https://neilpatel.com/blog/best-credit-card-processing/ via https://neilpatel.com

See the original post, The Best Credit Card Processing Companies (In-Depth Review) that is shared from https://imtrainingparadise.weebly.com/home/the-best-credit-card-processing-companies-in-depth-review via https://imtrainingparadise.weebly.com/home

[jjpocketbook]

The Best Credit Card Processing Companies (In-Depth Review)

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.

There are many touchpoints along the customer journey. The transaction is of course one of the most important, if not the most important.

So, the way in which you accept payments matters for both you and the customer. You need to have the right software and/or hardware in place to make sure transactions are simple and secure for both parties. 

Not only that, as a business owner you need to know that you’re not shelling out cash on inferior services or unnecessary additional fees.

Therefore, this post will cover everything you need to know about choosing the right credit card processing company. Plus, I’ll introduce my top picks for a wide range of businesses of different sizes and with different needs.

The Top 10 Credit Card Processing Companies

Square

PayPal

FIS

Stripe

Payline Data

Fiserv

BitPay

Adyen

Dharma Merchant Services

Fattmerchant

How to Choose the Best Credit Card Processing Company for You

Here are some key elements to consider when choosing the right credit card processing company for you:

1. Fees

Look at the payment terms and fees carefully. Different companies offer different pricing models and things can start to get a little complex.

Firstly, there are interchange fees, which is the percentage taken by the company on every transaction made. Full-service credit card processing companies also take a monthly fee. There may also be additional costs, such as setup or monthly minimum fees.

2. Accepted Payment Methods

Nowadays, you need a payment processing company that accepts more than just debit and credit cards. Digital wallets like PayPal, Google Pay or Apple Pay have become extremely popular. 

3. Customer Experience

When shopping, customers want the entire experience to be quick and easy. This is particularly important in e-commerce where the checkout process needs to be streamlined. 

In fact, a long and complicated checkout process is the number three reason why consumers abandon their carts in 2020.

It’s also vital that the payment gateway is secure because obviously we’re dealing with sensitive data here. So, look for elements such as PCI compliance and encryption.

4. User Experience

Of course, you or your staff are going to be the ones actually using these systems. Thus, the software, apps and/or hardware need to be user-friendly.

Furthermore, with tech, there’s likely to be a glitch or an issue at some point. This means that you need a credit card processing company that offers superior customer support. The reason being, the longer your payment processor is down, the more sales you lose.

Now you know what you need to consider when researching credit card processing companies, let’s take a look at how they work.

The Different Types of Credit Card Processing Company

There are two main types of credit card processing company. Here’s the 411:

Credit Card Processor

A credit card processor is the go-between that takes care of transactions. The processor takes the funds from the customer’s account and deposits them in your merchant account. It also ensures that the transaction information is correct, the customer has sufficient funds and notifies the payment gateway that the transaction was successful.

Full-Service Credit Card Processor & Merchant Account

Full-service providers do the same as credit card processors but also provide a merchant account, meaning you don’t need an additional merchant account with a bank. These providers tend to offer lower interchange fees but also charge a monthly fee and additional fees, such as the above-mentioned setup fees and so on.

Depending on the size of your operation and the volume of payments you receive, you’ll have to calculate which type of credit card processing company is going to keep costs low overall. Look for companies that are transparent and straightforward about the way in which they operate and take fees.

#1 – Square — The Best for Ease of Use

Square is a hugely popular, low-fee credit card processing company for online and brick-and-mortar stores.

Its POS app is rich in features and easy-to-use. Square is also known for providing an exceptional, frictionless range of POS systems:

Bonus: you can get the software and Square Reader for free.

The beauty of Square truly lies in its simplicity. The company offers a transparent, straightforward pricing model: 2.6% + 10¢ for every tap (mobile payment), dip (chip card) or swipe (magstripe card) on the POS and 2.9% + 30¢ for e-commerce transactions.

Other benefits include active fraud prevention, end-to-end encryption, a quick sign-up process and live phone support.

Essentially, Square is an easy-to-use all-rounder that would be an excellent choice for a wide range of businesses.

#2 – PayPal Commerce Platform Review — The Best for Individuals & Low-Volume Sellers

You’re no doubt familiar with PayPal (unless you’ve been living under a rock), but you may not be as familiar with its commerce platform.

With the PayPal Commerce Platform you can take payments online, in-store, on-the-go with an iZettle card reader, by QR code, over the phone and via social shopping links:

If you’re a solopreneur or small business just starting out then the platform is a fantastic choice for you. PayPal offers a flat-rate system where you only pay for the processing services you use.

The other great thing about PayPal is that it’s a highly recognizable and trusted brand. Therefore, advertising the fact that you accept PayPal payments could lead to more conversions.

Overall, the PayPal Commerce Platform is a secure, user-friendly and low-cost solution for beginners, individuals and low-volume sellers.

#3 – FIS — The Best for Small Businesses

FIS (formerly Worldpay) is a global banking software provider that offers payment processing solutions for large enterprises, small businesses and e-commerce stores.

However, this company puts most of its focus on small businesses, serving a range of industries including grocery, retail, restaurants, personal and professional services: 

And this is where FIS really shines as they work directly with small businesses to give them competitive terms and rates. You must contact FIS for a quote.

FIS also stands out as a great provider because of their superior 24/7/365 customer support. Furthermore, their software integrates with 1000+ POS systems which is great if you don’t wish to purchase one of their smart terminals.

FIS is the choice for you if you own a small business and want a customizable solution.

#4 – Stripe — The Best for Internet Businesses

Stripe was designed with a range of online businesses in mind, including e-commerce, mobile commerce, subscription services, marketplaces and other platforms. So, if you’re primarily a web-based business then Stripe is the choice for you.

What also makes it the best choice for online businesses is that the company provides tons of pre-built integrations and ready-made checkout forms for major e-commerce platforms, subscription services and the like:

There’s a simple pay-as-you-go pricing model of 2.9% + 30¢ with no additional monthly or setup fees. 

Stripe is also one of the most technologically-advanced solutions out there with its dedication to improving the platform and machine learning models for intelligent optimizations.

If you’re looking for a competitively-priced credit card processor that will integrate easily with your online business, choose Stripe.

#5 – Payline Data — The Best for High-Risk Merchants

Payline Data offers in-person, online and mobile payment solutions for companies of varying sizes. 

It’s the best option for high-risk merchants that struggle to get approved for accounts elsewhere. Thanks to its partnerships with major banks and premiere support team, Payline Data is able to simplify high-risk account management.

Payline Data’s pricing model is a little more complex than other options with setup, monthly and other additional fees involved. Take a look:

However, you can work out exactly what your monthly costs will be using their payment calculator tool.

Another advantage of using Payline Data is its integrations with major POS, shopping cart and accounting software providers, along with developer APIs for a customizable solution.

As long as you consider the costs carefully, this could be the simplest and cheapest option for those looking for a high-risk merchant account.

#6 – Fiserv — The Best for High-Volume Retailers

This company provides a convenient, secure and reliable payment processing service as well as end-to-end accounting services, if you require them.

What makes Fiserv the best choice for high-volume retailers is the fact that you can negotiate favorable interchange-plus pricing and terms. Or you can opt for flat-rate pricing via its Clover platform.

Having recently merged with international payment processing leader First Data, Fiserv is also a great option for those who operate globally. 

Seven out of the ten largest digital merchants trust Fiserv. Plus, retailers can accept a range of payment methods that are popular around the world, such as Alipay.

Fiserv is the right choice for more experienced, high-volume and global retailers.

#7 – BitPay — The Best for Accepting Crypto

Though technically not a credit card processing company, BitPay is a forward-thinking payment processing company for those who want to add crypto into the mix.

Owned by Shark Tank powerhouse, Mark Cuban, BitPay allows you to accept a range of cryptocurrencies online, via email and in-store. 

The way it works is simple – the customer gets an invoice, they pay in crypto at a locked-in exchange rate, BitPay converts the payment into your local currency and you receive the payment in your account the next day:

Due to the nature of crypto, you can accept payments from around the globe without having to worry about fraudulent purchases. What’s more, BitPay promises a flat rate fee of 1% and no hidden fees. 

So, if you’d like to expand your reach and gain access to the crypto market, BitPay is for you.

#8 – Adyen — The Best for Growing Enterprises

Adyen isn’t for newbies. It counts the likes of Uber, Virgin Hotels, Hunter and Spotify among its customers. So, it’s perfect for growing enterprises that are ready to take their business to the next level. 

You can benefit from transaction optimization to help you get the most revenue from your sales, as well as in-depth reporting on the platform to better understand your customers and aid growth:

Fees vary depending on the payment method used. Yet, Adyen provides a transparent list of all fees for each payment method on their site.

Other benefits include data-driven security, fraud prevention and access to a dedicated team of payment specialists who will provide you with expert advice.

Overall, if you’re focused on growth, Adyen is the perfect partner.

#9 – Dharma Merchant Services — The Best for Quick Service Payments

Dharma is a low-fee credit card processor that specializes in retail and quick service transactions. In other words, if you own a restaurant, bar, fast food joint or other quick service business then this is a great choice for you.

The company offers a low fee of 0.15% and $0.07 per transaction above interchange for storefronts and restaurants:

Plus, the virtual terminal and app are free. The e-commerce rate is slightly higher at 0.20% + $0.10.

With Dharma, you also benefit from exceptional customer service. If you’re new to credit card processing you can get a free consultation and ask all of the questions you need to. Plus, they offer 24/7 tech support.

Choose Dharma if you own a quick service business and need support along the way.

#10 – Fattmerchant — The Best for Professional Services

Fattmerchant provides a range of smart payment processing solutions, but really nails it when it comes to professional service providers.

The reason being, the platform offers the ability to send invoices and retrieve recurring payments quickly and easily. There’s also the option to create payment links and even buttons to take payments for subscription services.

The platform has features which will speed up your business processes through automation, e.g. automated payment reminders:

Fattmerchant offers a different pricing model to many other credit card processing companies. There’s a flat rate subscription fee starting at $99 but 0% markup on interchange and no pesky additional fees.

Essentially, Fattmerchant’s software is a fantastic choice for a range of businesses, but especially for those in professional services or that take recurring payments.

Summing Up

Naturally, there are several criteria to consider when choosing a credit card processing company. Often it will depend on the type of business you run and the volume of payments you take.

Furthermore, some options are better suited to smaller businesses or beginners while others provide more advanced solutions for experienced, higher-volume companies.

Above all, you want a company that offers transparency, security, strong customer support, great software and hardware and the right pricing model to suit your needs.

Now it’s over to you to explore these top providers further and make the right choice.

The post The Best Credit Card Processing Companies (In-Depth Review) appeared first on Neil Patel.

Original content source: https://neilpatel.com/blog/best-credit-card-processing/ via https://neilpatel.com

The original post, The Best Credit Card Processing Companies (In-Depth Review), has been shared from https://imtrainingparadise.wordpress.com/2020/09/04/the-best-credit-card-processing-companies-in-depth-review/ via https://imtrainingparadise.wordpress.com

[taxielbow04-blog]

What's The Most Affordable Method To Borrow Money?

What's The Least Expensive Means To Borrow Money?

#toc background: #f9f9f9;border: 1px solid #aaa;display: table;margin-bottom: 1em;padding: 1em;width: 350px; .toctitle font-weight: 700;text-align: center;

Content

Do You Need To Borrow Money?

Making a decision Whether You Ought To Be Loaning Money

Do You Actually Required To Spend The Money In Any Way?

Can You Save Up Or Make Use Of Some Savings As Opposed To Loaning Money?

Good Money Borrowing Versus Bad Cash Loaning

Do You Required To Borrow Money?

Your choice to borrow money means that have to be repaid-with interest on top when you take out a personal loan to pay off credit cards or to toss the ideal wedding celebration. Individual financings are a fantastic method to combine debt and also make major purchases, yet you need to always utilise this funds sensibly.

Determining Whether You Need To Be Loaning Cash

Can I get a 0 interest loan?

Bad credit is OK. Loans of $1,500 are typically easier to qualify for than higher amounts, even with credit below 580.

Simply see an ATM MACHINE, swipe your card, enter your PIN and also you have cash. It's much like taking money out of your bank account with your debit card.

Do You Really Required To Invest The Cash Whatsoever?

You can after that use this details to make an educated decision regarding what to obtain. Your history with credit is summarised right into your credit history. Having a lengthy history of paying your fundings, costs and charge card in a timely manner indicates you're more probable to have a high credit report. Skipping or missing payments on car loans, borrowing and also costs is likely to lead to a lower score.

How can I get a 50000 loan?

Borrowing money from friends and family is usually a terrible idea. It puts a strain on your relationship and can cause guilt, resentment, and a loss of trust. No one wants to be in a situation where they need to rely on someone else to pay their bills.

If you've repaid all your financial debt as well as are wishing to borrow a little amount of cash in order to begin restoring your credit rating, it is very important to be realistic with what you look for. Opportunities are, if it's taken you a while to settle your debt and also your credit rating endured as a result, you are not mosting likely to be accepted for a ₤ 10k loan from the bank even if you're debt-free now. And also, obtaining a lot of fundings and various other credit lines that you are decreased can damage your credit ranking in the temporary. The best method to make sure that you don't get refused for credit is to make use of a qualification checker tool beforehand. These tools will certainly not influence your credit report in any way as well as will allow you know how much of a possibility you have of being accepted for a specific loan, credit card, or an additional kind of financing.

Peer to peer lending is a relatively brand-new sensation that enables individuals who want to borrow money to be taken into touch with people who want to lend cash.

If you decide that this is the type of loan that is ideal fit to your very own individual scenario, then all you need to do next is look for the credit from the bank or building society or your selection.

When somebody borrows from a credit union, they are urged to save too, meaning that by the time they finish repaying the loan their savings will certainly have expanded too.

You might want to take into consideration looking into peer to peer borrowing if you begin to discover that this is the case.

Lending institution financings included no hidden costs and no penalties for paying back the loan early.

Excellent Money Loaning Versus Bad Money Borrowing

Personal student lendings come from private financial institutions, consisting of banks, cooperative credit union and online lending institutions. You might be able to use online or face to face, normally a couple of months prior to the school year begins. While they may have larger student loan restrictions, private loans commonly come with less customer securities and also repayment alternatives than government trainee lendings. Personal loanscan be made use of for nearly anything-- from repaying credit cards to settling debt to covering emergency situation costs. At Greater Partnership, we are offering the option to avoid a repayment, if required, due to monetary difficulty during the coronavirus dilemma.

How can I get a 10000 loan?

1) You're a last resort Most loans to friends and family have a very low or nonexistent interest rate. So by loaning a loved one money, you're taking on a ton of risk for a fraction of the payout a bank would normally get.

Bank card rates of interest are usually high (balancing 17% APR), however cash loan rates are even greater (typically as long as 25% APR). The advantage of a charge card cash loan is that it is fast and also very easy. , if you need monetary recommendations you must talk to a qualified financial advisor. . As a broker we process the info you offer us and we may pass this onto our relied on third party lending institutions and also brokers.

With this record, comprehending the influence of lendings and also credit is instantaneously simplified for the majority of borrowers that are aiming to cash loan and also payday advance as alternatives for credit. As long as you remain in fulltime employment and you recognize why you are borrowing cash, obtaining from a liable loan provider is straight forward.

You can applyonlineor over the phone at, ext. 290, as well as close on the loan online-- no need to personally see a branch. Charge card cash loan are another fast means to borrow money.

As seen, there are many different reasons to obtain an individual loan. However, remember that regardless of the scenario, it should be paid back at some point.

Explore grabbing side work, obtaining cash from a buddy or simply asking for even more time to repay your debts. These will help you stay clear of expensive interest rates and the prospective spiral of debt some individuals get involved in with temporary financings.

All borrowing goes through you being a UK resident, matured 18 or over and also your individual situations. All loan providers run accountable financing policies and as such what you would like to borrow goes through an affordability evaluation. Peer-To-Peer Loan - Provided by the alternate financing sector where you borrow money from capitalists who are actively seeking some degree of return on their investment. While small business loan can take time to prepare, P2P borrowing can be much quicker, with competitive rates (depending on your credit history) and very early repayment chances.

However, unlike your debit card, charge card cash advances come with a high price. Foreach development, you pay a deal fee( typically 3% to 5% of the amount borrowed), plus passion.

[pipepencil02-blog]

What's The Most Inexpensive Way To Borrow Money?

What's The Cheapest Way To Borrow Money?

#toc background: #f9f9f9;border: 1px solid #aaa;display: table;margin-bottom: 1em;padding: 1em;width: 350px; .toctitle font-weight: 700;text-align: center;

Content

Do You Required To Borrow Money?

Deciding Whether You Should Be Borrowing Money

Do You Truly Need To Spend The Money Whatsoever?

Can You Save Up Or Utilize Some Cost Savings Rather Than Borrowing Money?

Do You Required To Borrow Money?

Your choice to borrow money suggests that have to be repaid-with rate of interest on top when you take out a personal loan to pay off credit cards or to toss the best wedding event. Personal loans are a great means to consolidate debt and make major purchases, however you ought to constantly use this funds properly.

Choosing Whether You Must Be Borrowing Cash

Can I get a 0 interest loan?

Bad credit is OK. Loans of $1,500 are typically easier to qualify for than higher amounts, even with credit below 580.

Simply check out an ATM MACHINE, swipe your card, enter your PIN and also you have cash. It's similar to taking cash out of your savings account with your debit card.

Do You Truly Required To Spend The Cash At All?

You can then utilize this details to make a notified decision concerning what to look for. Your history with credit is summed up right into your credit score. Having a long background of paying your loans, costs as well as credit cards on time suggests you're most likely to have a high credit report. Missing repayments or failing on car loans, borrowing as well as expenses is likely to lead to a lower score.

Can You Save Up Or Utilize Some Cost Savings Rather Than Loaning Cash?

How can I get a 50000 loan?

Borrowing money from friends and family is usually a terrible idea. It puts a strain on your relationship and can cause guilt, resentment, and a loss of trust. No one wants to be in a situation where they need to rely on someone else to pay their bills.

If you have actually settled all your financial obligation and are wishing to borrow a tiny amount of cash in order to start rebuilding your credit score, it's important to be sensible with what you request. Opportunities are, if it's taken you a while to pay off your financial debt and your credit score suffered because of this, you are not mosting likely to be authorized for a ₤ 10k loan from the financial institution even if you're debt-free now. And, obtaining too many lendings and also other lines of credit that you are declined can hurt your credit score in the temporary. The very best means to make sure that you don't obtain turned down for credit is to use an eligibility checker tool beforehand. These devices will certainly not influence your credit history whatsoever as well as will allow you recognize how much of a chance you have actually of being accepted for a certain loan, charge card, or an additional form of financing.

Nevertheless, it might be tough to find such an organisation that agrees to provide an established as flexible as that.

If you determine that this is the kind of loan that is best matched to your own personal scenario, then all you need to do following is get the credit from the bank or structure society or your option.

When someone obtains from a credit union, they are motivated to save as well, suggesting that by the time they end up settling the loan their financial savings will have grown as well.

Lending institution lendings included no concealed fees as well as no fines for paying back the loan early.

Great Cash Borrowing Versus Bad Money Loaning

Exclusive student lendings originated from personal banks, consisting of banks, credit unions and also online loan providers. You may be able to apply online or face to face, typically a few months prior to the academic year begins. While they may have larger trainee loan limitations, exclusive finances normally include less customer protections and also settlement alternatives than federal pupil finances. Individual loanscan be utilized for nearly anything-- from repaying credit cards to combining financial obligation to covering emergency situation expenditures. At Greater Partnership, we are offering the choice to avoid a payment, if required, due to monetary challenge during the coronavirus crisis.

How can I get a 10000 loan?

1) You're a last resort Most loans to friends and family have a very low or nonexistent interest rate. So by loaning a loved one money, you're taking on a ton of risk for a fraction of the payout a bank would normally get.

Charge card rates of interest are generally high (balancing 17% APR), however cash loan rates are also higher (commonly as much as 25% APR). The benefit of a bank card cash advance is that it is simple and also fast. If you need financial guidance you need to speak with a qualified economic advisor. As a broker we process the details you give us as well as we might pass this onto our relied on 3rd party lending institutions as well as brokers.

With this record, recognizing the impact of finances as well as credit is quickly made easier for most of customers that are looking to cash advances and also payday advance loan as choices for credit. As long as you are in fulltime work and also you know why you are borrowing cash, obtaining from a responsible lending institution is straight forward.

You can applyonlineor over the phone at, ext. 290, and close on the loan digitally-- no requirement to personally go to a branch. Charge card cash loan are one more rapid means to borrow money.

As seen, there are many different factors to get an individual loan. However, keep in mind that despite the situation, it must be repaid at some point.

Explore grabbing side work, obtaining money from a good friend or just asking for even more time to repay your financial obligations. These will certainly help you avoid costly rate of interest and the potential spiral of debt some people enter into with short-term financings.

All loaning is subject to you being a UK citizen, aged 18 or over and also your personal circumstances. All loan providers run liable lending policies and also therefore what you wish to obtain undergoes a cost assessment. Peer-To-Peer Loan - Used by the alternative financing sector where you borrow money from capitalists who are actively searching for some degree of return on their investment. While small business loan can take some time to set up, P2P loaning can be much quicker, with affordable prices (dependent on your credit rating) and very early payment opportunities.

Nevertheless, unlike your debit card, charge card cash advances come with a high expense. Foreach development, you pay a transaction charge( usually 3% to 5% of the quantity borrowed), plus rate of interest.

[creekraven13-blog]

What's The Most Affordable Method To Borrow Money?

What's The Least Expensive Way To Borrow Money?

#toc background: #f9f9f9;border: 1px solid #aaa;display: table;margin-bottom: 1em;padding: 1em;width: 350px; .toctitle font-weight: 700;text-align: center;

Content

Do You Need To Borrow Money?

Determining Whether You Ought To Be Loaning Money

Do You Actually Required To Invest The Money At All?

Good Money Borrowing Versus Bad Cash Loaning

Do You Need To Borrow Money?

When you take out a personal loan to pay off charge card or to toss the excellent wedding celebration, your choice to borrow money indicates that must be repaid-with passion on the top. Individual car loans are a great means to settle financial debt and make significant acquisitions, yet you must constantly utilise this financial resource responsibly.

Deciding Whether You Need To Be Loaning Cash

Can I get a 0 interest loan?

Bad credit is OK. Loans of $1,500 are typically easier to qualify for than higher amounts, even with credit below 580.

Merely check out an ATM MACHINE, swipe your card, enter your PIN as well as you have cash in hand. It's similar to taking money out of your checking account with your debit card.

Do You Truly Need To Spend The Money Whatsoever?

You can then use this information to make an informed choice regarding what to obtain. Your history with credit is summarised right into your credit history. Having a lengthy background of paying your financings, costs as well as credit cards promptly indicates you're more likely to have a high credit report. Missing out on settlements or skipping on fundings, borrowing and also costs is most likely to result in a lower rating.

If you have actually paid off all your debt and are wishing to borrow a little amount of money in order to begin rebuilding your credit score, it is essential to be reasonable with what you make an application for. Possibilities are, if it's taken you a while to repay your debt and your credit score experienced because of this, you are not mosting likely to be approved for a ₤ 10k loan from the financial institution even if you're debt-free today. As well as, requesting way too many lendings as well as other lines of credit that you are declined can damage your credit rating in the short-term. The best means to see to it that you don't get denied for credit is to make use of a qualification checker device ahead of time. These devices will certainly not influence your credit rating in all and also will certainly allow you recognize just how much of an opportunity you have actually of being approved for a particular loan, charge card, or one more type of finance.

Peer to peer loaning is a fairly brand-new sensation that allows people that intend to borrow money to be taken into touch with people who agree to provide money.

If you make a decision that this is the type of loan that is finest suited to your very own individual scenario, after that all you require to do next is get the credit from the financial institution or building society or your selection.

When a person obtains from a credit union, they are urged to save too, suggesting that by the time they end up paying off the loan their financial savings will have grown also.

Lending institution finances come with no covert costs and also no penalties for repaying the loan early.

Private student car loans originated from private banks, including banks, cooperative credit union and on the internet lending institutions. You might have the ability to use online or personally, normally a few months prior to the academic year starts. While they might have bigger pupil loan limitations, private lendings usually come with fewer customer protections and also repayment choices than government trainee lendings. Personal loanscan be made use of for nearly anything-- from paying off charge card to consolidating debt to covering emergency situation costs. At Greater Partnership, we are supplying the alternative to skip a payment, if required, as a result of financial hardship throughout the coronavirus situation.

How can I get a 10000 loan?

1) You're a last resort Most loans to friends and family have a very low or nonexistent interest rate. So by loaning a loved one money, you're taking on a ton of risk for a fraction of the payout a bank would normally get.

Charge card interest rates are normally high (balancing 17% APR), but cash advance prices are also greater (usually as much as 25% APR). The advantage of a bank card cash advance is that it is fast and very easy. If you need monetary suggestions you must speak to a certified economic advisor. As a broker we process the details you offer us and we might pass this onto our trusted third party lending institutions and also brokers.

With this record, comprehending the effect of car loans and also credit is promptly made easier for most of borrowers who are wanting to cash advances as well as payday advance loan as choices for credit. As long as you are in fulltime employment as well as you know why you are obtaining cash, borrowing from a liable lending institution is straight ahead.

You can applyonlineor over the phone at, ext. 290, and close on the loan digitally-- no demand to personally check out a branch. Credit card cash loan are an additional quick means to borrow money.

As seen, there are several factors to secure a personal loan. Nonetheless, remember that despite the situation, it has to be paid back ultimately.

Explore grabbing side job, obtaining money from a buddy or simply asking for more time to repay your financial debts. These will help you prevent expensive interest rates as well as the prospective spiral of debt some individuals enter with short-term car loans.

All borrowing undergoes you being a UK local, matured 18 or over and your individual situations. All lenders run liable lending policies and because of this what you would like to obtain undergoes a cost analysis. Peer-To-Peer Loan - Used by the different lending industry where you borrow money from investors that are actively trying to find some level of return on their investment. While bank loans can require time to set up, P2P loaning can be much quicker, with competitive prices (dependent on your credit rating) and very early payment possibilities.

Nonetheless, unlike your debit card, bank card cash advances come at a high price. Foreach advancement, you pay a purchase cost( typically 3% to 5% of the quantity obtained), plus interest.

[creditscoreuae-blog]

10 Best Ways To Manage Credit Cards For Personal Gain In UAE

A credit card can be quite a valuable tool if it is used effectively but do you know easy and effective ways to manage your credit cards for your personal gain? Credit cards, if used, ineffectively, can lead to a world of harmful consequences. You may have the best credit card in UAE, but to use it well, it is essential that you follow a few simple steps. MoneyMall, brings you 10 easy tips and tricks to make credit cards in UAE work for your personal gain.

 Pay your credit card bill on time

Paying all of your bills on time is a great way to keep your interest rates low and improve your credit score. To avoid missing your due date, set a reminder on your phone a few days beforehand or mark the date on your calendar. You can also adjust your online account settings so your bill is paid automatically on a certain day of the month through a direct bank draft.

 Pay your bill in full every month

It’s often mistakenly believed that making the minimum payment on your card dues is sufficient. To avoid penalties, you must pay your bill on time. But to avoid heavy interest rates, you must also pay the bill in full. Don’t pay attention to the minimum dues, and make it a point to clear your full card balance every month.

 Take advantage of the rewards 

Credit cards give you reward points for specific kinds of spending. Your accumulated points, thereby, can be redeemed for rewards in cash or kind. Use your card in a manner that helps you get the best out of the rewards and benefits you are eligible for.

 Keep your credit card details secured

Scammers keep finding new ways to defraud credit card users. As a basic measure, always keep security details such as security pin, CVV number, OTP, and expiry date private and secure. Be careful not to swipe your card in any place except POS machines and ATMs. An unsecured swipe could lead to your card being cloned and misused.

 Avoid using your card at an ATM 

Credit cards also let you withdraw cash from ATMs. Avoid using this facility because even though they are allowed, ATM withdrawals attract heavy charges. You wouldn’t want to pay that, would you? 

 Choose cards with extra perks

 Even if you’re not interested in credit card rewards per se, you can still leverage the benefits of a credit card. For example, some of the best credit cards out there offer perks such as free travel insurance, primary and secondary rental-car coverage, price protection, and extended warranties. Some premium cards come with guaranteed gift vouchers and benefits, such as free access to airport lounges. Some gifts may also be provided as joining benefits, others as periodic benefits. 

 Only use your card for the big purchases

Sometimes, the little $10 and $20 purchases can, over time, build up to a huge credit card debt when left unchecked. Consider using your card just for big purchases instead. The best way to do this is to save up for your purchase in cash first. Then, after you make the big purchase with your credit card (and reap the rewards points), you’ll have the funds to pay it off right away. 

 Pay attention to the fee structure

Credit cards often have joining and renewal fees. However, there are cards that have no fee. When looking for a card, pay attention to the fee structure. The fee should be reasonable and should be outweighed by the card’s benefits. Moreover, many cards allow a fee reversal if you spend a certain amount annually. Look out for this reversal benefit to save on the annual fees.

 Avail a loan if required 

Credit cards also allow unsecured personal loans based on your credit history. If you require financial help, don’t look for loans elsewhere. Use your credit card to avail of one.

  Know your limits

If you’re worried that you might overspend, ask your credit card company to lower your credit limit to something you know you can manage on a monthly basis. They should be more than happy to oblige since they ultimately want you to pay the money back, and they can often make the credit limit change effective immediately. 

 Credit cards in UAE are a necessity in many ways. They score over debit cards because of the reward points as well as the ease of conducting transactions even during a financial crunch. Therefore, it is always advisable to understand your card’s fee structure, rewards, interest rates, and penalties. Also, make sure that you do your research well and compare various cards to determine the best one for yourself and your lifestyle.

 Source: https://dailygram.com/index.php/blog/699632/10-best-ways-to-manage-credit-cards-for-personal-gain-in-uae/

[blake-noble]

Without Surprise, Brands and Retailers Still Should Focus On Courting Millennial Customers

Ready to read something that will absolutely, positively, certainly, definitely shake you right to your very core? In the world of low-prices and cheap imported goods that is retail, it turns out that brands and retailers still need to figure out ways to appeal to the demographic that has never failed to be a buzzword for roughly the last 10 years and change.

What’s that? No, it isn’t Generation Z. Of course, I’m talkin’ ‘bout my generation here — Millennials. 

All hyperbolic sarcasm aside, it’s actually a downer that retailers still need to think of strategies on how to best stick their hands down our pockets. If you hit “read more” (which you were going to do anyway, right?), I’ll tell you why.

Oh... you actually followed through the jump? 

Well I’ll be durned. On with it then, I s’pose.

So, first, a little recap: Back on October 4th, the blog for Multichannel Merchant.com ran a piece written by Ingenico Group’s director for go-to-market strategies, Mark Bunney. Titled “Millennials, Not Gen Z, Are Still Defining the Future of Consumer Loyalty,” Bunney discussed ways in which brands and retailers might try to appeal to Millennials going forward, even as they’re trying to focus on Generation Z.

That’s all well and good, I guess, but there’s something Bunney specifically said  in the opening paragraph of the article that certainly caused an eyebrow to raise. And I quote-eth (emphasis in bold-eth mine):

Gen Z has dominated headlines lately as brands work through how to market to these emerging buyers. But why are we focused so heavily on these new consumers when we’ve barely started feeling comfortable with millennials? Looking ahead is important, but in the case of Gen Z, brands are just chasing the shiny new object. Millennials now have the buying power to cause seismic sales shifts for brands and, most importantly, have changed how we’ll understand loyalty forever.

In other words, Bunney is trying to tell brands and retailers to slow their roll a bit. A significant percent of Gen-Z’ers might be finally coming of age, yeah, and you’re going to want to reach out to them and try and make them life-long customers, sure. But us filthy Gen-Y’ers finally have us all some of that there “buying power” (industry-speak for credit and cash) now and we’re gonna wanna use it.

Bunney then went on to write somewhere around 600 words that just, well, made me feel icky about myself. And, you know, I really wanted to use this space to rant a bit about that. I wanted to rant about how I felt he was grossly over-generalizing how a generation of around 95 million people likes to shop, and trot out all sorts of articles from around the webs that would make him look silly. 

But... I can’t.

It’s not because I don’t think I can find anything to the contrary of what he wrote. Nope. It’s because I really can’t move beyond what he wrote in his opening paragraph.

Bunney, if you’ll recall, works for Ingenico Group. Ingenico Group is a pretty significant company in the world of retail, in case you didn’t know. You know those machines, those “readers” you swipe and/or insert your debit and/or credit card into at the store? Yeah, they make those (aggravating piles of crap you’re forced to use when a store fails to realize it’s almost 2020 and we have this thing called “Apple Pay” and “Android Pay” now that works from the darn smartphone we carry everywhere with us and just getting on board with that would save everyone so much headache when the system takes a big dirt nap, or you had to spend the extra spot of cash you keep on you). Bunney works for them.

Bunney is a big wig at a big name in the world of retail then, to put it another way. And as much as I think I could be the David to Mr. Bunney’s Goliath and challenge, if not slay how he thinks I like to shop and buy the junk I buy, I know there's no challenging anything he wrote in that opening paragraph. If anything, that opening paragraph is probably one of the single most depressing things I’ve encountered all week, and I’ve been binge watching OG Unsolved Mysteries, which is sadder than Jason Alexander at the Emmies when it isn't busy being max-creepy.

And, no, it isn’t depressing because I can’t argue with what he wrote. I mean, that’s a bummer, sure, but no.

The youngest Millennial is around 25 years-old, from what I gather. More and more of us are actually, truly getting old. And yet now, only now, does someone in the retail industry recognize the fact that we have some actual “buying power.”

Between spending what should have been the brightest days of our youth in the midst of the Great Recession’s darkness, and going through college accumulating enough student loan debt that roughly equals half a stinkin’ mortgage, is it any wonder that only now do some of us have some credit and cash to spend; now that we’re so old that retailers think its time they moved on to attracting the generation after us and need one of their own to remind them to slow down and go back to us? Really, you know, I’m surprised more than — I dunno? — maybe two or three of us apparently have a significant amount of money lying around somewhere now, let alone actually want to spend it.

Getting old sucks, as they say. Being a Millennial and getting old, though? That sucks even worse. Here’s another reason why, as if we needed one.

Sources: Multichannel Merchant, Kasasa.com, Ingenico.com, US News

Image from Forbes, defaced with an Apple Pencil by yours truly

[buyfreecoupons]

Samsung India Pay Offers: Get Rs 100 Cashback on 3 Transactions

Hello friends, today I am sharing the latest running post Samsung pay offer and Loot tricks. This app is supported on all Samsung Galaxy mobile devices, Samsung always provides the best price in India and now offering Rs 100 cashback on First 3 transactions worth Rs 250 or more. Currently, this offer is available on some selected Samsung Handsets only. It accepts almost Bank debit/credit card like SBI or Axis, Icici etc.

How to Avail Samsung Pay App Offers 2018

Firstly, Download Samsung Pay app 

Now Install it & open Samsung pay App.

After all that fill your all Details and Create UPI Address

Now make three debit transactions with a value of INR 250 (Minimum) per transaction within the period of the Campaign.

You can send money to a VPA contact or an IFSC Contact or through Scan and Pay feature.

Supported Device for Samsung App

Samsung Galaxy S7 edge, Galaxy S7, Note 5, S6 edge+, Galaxy A7 (2018), Galaxy A5 (2018), A5 (2016) and A7 (2016), this app is coming with newer models of Galaxy.

Samsung India App Features 

Pay anywhere in all over India or Foreign also.

All cashback offers and latest discount deals.

Instant Pay facility less than 10 seconds by 3 easy steps

You can use 3 Level Security in anywhere.

Steps to Pay Via Samsung Pay

First of all open app & now Select Your Card.

After that Swipe Up.

Now put your finger on Fingerprint scanner or use swipe your card using swipe machine.

Congrats! Your payment has been done.

Popular Post: Latest Ola Money Wallet Offers & Promo Code 

Samsung Pay Cashback Offers

Get upto half Cashback up to Rs. 400 pay via Icici Bank Debit/Credit Cards.(Expired) 

Make exchanges above Rs. 500 from VPA connected Account & Get 500 Rs BMS Movie Voucher.

Get 5% Cashback up to Rs. 150 on Hdfc Credit Cards.(Expired) 

Include Standard Chartered Bank Credit/Debit Cards and Get 20% Cashback on initial Five Transactions. (Lapsed) 

Include pivot Bank Credit/Debit Cards and Get Rs. 1000 Cashback on 4+ Transactions of Rs. 250+.(Expired) 

(first 4 just) Add Sbi Bank Debit Cards and Get Rs. 300 Cashback on Transactions of Rs. 500+.(Working) 

 Get Rs. 1500 Cashback just Pay by Citi Bank Credit Cards, You will get Rs. 100 Cashback also on each exchange up to 15 however Minimum Transaction You need to do Rs. 500+. 

Terms & Conditions: 

On the off chance that the client is now enlisted yet plays out the three (3) exchanges for the first time amid the crusade time frame, such client would be qualified. 

This offer is non-transferable to some other individual and can't be traded with some other offer. 

The Eligible User would run over the offer at Google Play store page, Facebook, Twitter and so forth. 

The 100 Rs Credit would be given to the clients inside a month from the date of the charge exchange made by the client

The user should have made the three transactions from his VPA linked account to Samsung Pay app within (27th April 2017) to ( 24th June 2017). 

If the user makes any transaction before and after the campaign date then it wouldn't be eligible.

If you have any doubt or suggestion regarding post so please comment below, we will happy to solve your problem

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