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Accepting credit cards is second nature for most businesses and we’ve become so used to taking the cards, that we sometimes forget that they are most certainly NOT the same as cash. Here are a few reminders: Credit cards cost more to take than cash- so if you can get your customers to pay with cash GO FOR IT! (strange advice from a credit card processor but the right advice for any business) Stay within your approved limits- accepting credit cards for more than you were approved for can cause problems with your cash flow. Processing substantially more than your annual approved volume can also cause problems. While we cannot speak to how other processing companies handle volume variances, we can give you advice based on how we

When you travel abroad, it wakes you up to the many advantages we have here in the United States of America! I was thinking of a 9 day trip out of the country and was touched, once again, by the overwhelming gratitude and joy of the Fijian people! They sing, dance, smile and are always quick with a greeting (BULA!), no matter what they are doing. You would think that they were the richest people in the world; and when you visit their villages, you realize very quickly that their joyous spirit and gratitude comes from something other than their worldly possessions; because they have very little. What they do have, is the ability to see wealth and riches as they really are. The love of a family

Choosing what card you will use can make a big difference especially if you are one of the millions of Americans who experience fraud! At TMC, we encourage you to make your online purchases and your overseas traveling purchases with a credit card that is NOT attached to your checking account. This minimizes your exposure to fraud. We also love what Clark Howard has to say about Debit versus Debit card useage! Be careful out there! Guest BloggerMonday, October 26, 2015

Doing just enough to ‘get by’ is a COSTLY way to do both business and LIFE! In the Merchant Services industry, we are pretty used to seeing that mediocre mantra played out every day by many of our competitors. Here are a few of the ways that our team delivers an And Then Some experience! STELLAR STAFF: There is simply no way to deliver an exceptional experience without a Stellar Staff! Take a few moments to Meet Our Team and NO- you can’t have them . Working with individuals who dig in each day and literally LOOK for ways to under promise and over deliver is just part of an AND THEN SOME mentality. WHAT YOU SEE IS WHAT YOU GET: The pricing in our industry is complex

This past week we made the decision to close our office for a day and have our team attend the Live2Lead simulcast put on by John Maxwell. The event itself was a huge success however determining what the return on investment (ROI) was will be more difficult! With a product or service, the ROI is easy to calculate. You spent X number of dollars on a product, which resulted in increased sales or productivity. Comparing the sales numbers or productivity before and after the purchase of the product will give you your ROI and all of your number crunchers are happy. With staff training, it is much more difficult to calculate the true ROI. How do you know if your investment paid off? How long do you wait

Last week we fielded TONS of phone calls regarding the Fraud Liability Shift and terminals. Here are a few things to consider this week! You are NOT out of ‘compliance’ just because you do not have an EMV reading terminal! You can decide when you upgrade and you do not have to be RUSHED. Some industries have higher ‘Liability Shift’ risks than others. Some industries do not have EMV solutions that can be used yet (the platforms are busily working!) BEWARE of terminal pricing on the internet! We had a merchant call us because they bought their new terminal online and guess what: it was not able to handle EMV or NFC. Our team is available to answer a Liability Shift, Terminal, EMV or NFC questions! 1-888-249-9919 Cheri