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One of the most successful advertisements of all time advised us to Never Leave Home Without It! The American Express Card has long been regarded as a bit of a status indicator and for good reason. While many businesses across America choose NOT to accept American Express cards (due to the higher percentage they charge business owners), American Express cardholders have some unique characteristics that most business owners might find intriguing! AMEX enjoys a leading market share in the lucrative business credit card market due in large part to their affluent cardholders. American Express cardholders average 60% higher incomes than non-Amex customers. American Express cardholders are more likely to charge everyday purchases than pay cash. The average American Express customer charges 53% of all personal spending while those

With all of the changes happening in the financial world these days, it pays to make sure your business is operating in a ‘compliant’ environment. Security, regulation and equipment issues need to be addressed to make sure your business is operating within the guidelines set forth by the card associations. Security: PCI Compliance has been mandated by the card associations and your business is required to have an annual certification. The process includes a questionnaire, requirements for a security handbook as well as quarterly scans for merchants connected to the Internet for processing. Not being compliant can result in pesky non compliance fees, large fines assessed by the card associations or worse- the loss of your business reputation as your name will certainly become front page news in

There are times in life when you really SHOULD follow the rules! Accepting credit cards is DEFINITELY one of those time! The operating rules and regulations are designed to protect the card holders, the financial institutions and lastly- the merchant. When you are aware of the rules as a business owner, you help reduce your risk for having your money held by the processing companies and you play a large part in reducing credit card fraud. Since cash flow is such a critical part of being in business, regulation awareness is also a critical part of protecting your business. VISA REGULATIONS MASTERCARD REGULATIONS AMERICAN EXPRESS REGULATIONS If you have specific questions related to your business, please give our helpful team a call! 1-888-249-9919 Cheri PerryMonday, February 8, 2016

If you’re a movie buff like I am, you’re probably familiar with the line from Stanley Kubrick’s “The Shining” where Jack Nicholson’s character types out several pages of the same sentence: All work and no play makes Jack a dull boy.While the context in the movie is a bit eerie, Jack’s comment is actually truer than you might think! I’ve also heard the old saying “Work is not supposed to be fun ~ that’s why it’s called WORK”. I humbly disagree ~ I believe that work should absolutely be fun! I’m not the only one that feels this way – there has been plenty of research on this topic and many of the studies found quite similar results: it’s imperative for a healthy company to have some fun.SIX

The credit card processing industry has a very confusing set of rates & fees. It is our goal to help our merchants understand what fees are legitimate and what fees are superfluous. This article will address 2 legitimate fees and also offer some Best Practices. Visa Misuse of Authorization $0.045 per The Visa Misuse of Authorization Fee will be assessed to approved and partially-approved electronic authorizations that cannot be matched to a settled transaction within the following time frame: Travel and Entertainment (T&E) merchants = 20 days; all others = 10 days. If an authorization was attempted and received but the transaction was not settled, you must electronically reverse the authorization within 24 hours for all card present transactions and 72 hours for all card not present transactions

From our team to you and yours: Have a FANTASTIC New Year celebration this evening. We would like to share a few of our team’s wishes with you: May 2016 by your strongest and most powerful year ever! I wish you health, happiness and abundance in 2016! Here’s to new friendships, new challenges to overcome and new opportunities to shine! I hope you have your best year ever! May your heart be your guiding light and success be your victorious prize! Fun, Fun, Fun; that should do it! Take the time to enjoy your past successes and line out your 2016 goals. May you wake up each morning KNOWING that what you do makes a difference! We are so thankful for the opportunity to live and work in