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Did you know? Artificial Intelligence is already reshaping the world of payment processing and chances are, it’s affecting your business more than you realize.   AI is doing everything from predicting fraud before it happens to streamlining approval processes for new accounts. That means faster service, safer transactions, and more reliable tools for both you and your customers. Still, AI comes with its fair share of quirks and concerns. While it may help spot chargebacks faster or recommend upsell opportunities based on behavior, it also brings up important questions around privacy, bias, and job automation.   In processing, that means we need to ensure our systems are fair, transparent, and secure. AI can enhance the merchant experience, but only when guided by ethical development and smart oversight.  

Do you have a dream or goal to GROW your business? Partnering with other successful people who have been down that road can remove some of the pebbles along the way.   At Total Merchant Concepts, we have the privilege of working with thousands of business owners across the country. The industries vary, the backgrounds of the owners vary and the credit card processing needs of the businesses we serve vary. But the need for GROWTH is the same for everyone. At TMC, we are committed to assisting the businesses we serve beyond their payment acceptance needs; we are committed to helping you GROW! Gratitude To live in a country where we have the freedom to own and operate our business is truly a blessing. When we are thankful and

Today my team completed a self-reflection activity using some really cool-looking cups from the Dollar Tree.   Spoiler alert: the cups looked great… but a few were a little less than watertight. You know what they say—you really do get what you pay for.   But instead of letting it ruin the moment, we laughed, we improvised, and—of course—we made it FUN. After all, that’s what the “L” in our SMILE core values stands for: Leave a Legacy of Fun. Here are just a few of the “solutions” our team came up with for working with their beautifully flawed cups:   💡 Use the Remote Team Member’s Cup – They’ll never know… unless they read this. 🔨 SMASH it and use a different one—aggressive, but effective. 🍓 Just

One of the great pleasures of our business is the fact that we get to work with so many small businesses across America.   This past week, I had the privilege of spending some time installing new terminals for several of our merchants and I was once again reminded of WHY I love what we do here at TMC.   THE HEARTBEAT OF COMMUNITIES Each of the business owners I worked with this past week reminded me that small businesses are the heartbeat of our communities. These are the places where you can go to connect with your local friends and families. I was in Ridgefield Washington on Friday and got to meet lots of people at the Starliner. Kids shopping around, a lady needing a cardboard box to use at her home, and an older

Today was supposed to go according to plan. I had an early flight to West Palm Beach, heading into a walk-through of a $47M+ company. It was meant to be a Gamechanger experience coordinated by Howard Partridge and the Inner Circle. But weather and airline logistics had other ideas. My connecting flights were cancelled. There were no reasonable options to make it in time. So instead of flying toward “opportunity,” I found myself grounded in Portland. But that’s when the real purpose showed up. I stopped at a little airport bistro for breakfast. An older woman circled a few tables before sitting next to me. Her name was Karen—not that Karen—and she was delightful. We talked about travel, gratitude, and our kids. She gave me a small gift,