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Whether you’re a veteran business owner or just starting your first venture, every small business needs a way to process credit card payments. These days, cards are more popular than ever; in fact, many potential customers don’t even carry cash anymore! Although every credit card company does charge a processing fee to use their services, there are multiple ways to take payments while reducing costs to protect your bottom line.

Fraud: Protect Yourself and Getting the Most Bang For Your Buck

Because both you and the credit card company are hurt by fraud, choosing safer transaction types has multiple benefits. For one thing, different ways of entering the credit card information can actually cost you different amounts per transaction. For example, manually entering numbers takes longer and is also more vulnerable to theft. On the other hand, if you scan the card’s strip or chip, you will benefit from the card’s built-in security features, which results in a more secure transaction. Obviously, credit card companies prefer this method, and will often charge you a lower rate if you swipe or read the card’s chip. There’s a low-tech practice that can save you time and money, too. Check IDs against the names on the credit card! Believe it or not, taking 30 seconds to do this could save you a serious headache down the road.

Credit Card Processing for Small Transactions

If your business tends to handle smaller transactions, it might be smart to impose minimum amounts for credit card sales. For example, if you own a convenience store that gets a lot of small transactions under $5 and your profit margin on those products is just 10%, it’s probably not worth conducting the sale after factoring in credit card fees. All it takes is putting up a note that says you accept credit cards, but with a minimum sale of $10 or $20. If a customer doesn’t understand, simply explain that the cost of processing plastic is greater than cash.

Credit Card Fees: Unavoidable, but Controllable!

Credit card processing fees are unavoidable, but they can be negotiated and reduced with the right strategy and execution. Contact us today for a free consultation and let us help you find the best way to process your customers' orders while protecting your bottom line!
Because there are so many constantly changing financial and security factors in the credit card processing world, it’s important to know how just how often providers change FANF amounts. Although on their own, these changes are incremental, it’s important to understand how they could affect your margins, the way you do business, or even your legal responsibilities.

FANF Changes: As Fast as the Seasons

Looking at patterns over the last few years, every major Credit Card Provider made at least a few updates per year, or about one per quarter. Thus, it’s important to pay attention and always read the fine print on your processing agreements.

FANF Changes coming in 2017

Effective January 1, 2017, Visa has announced an increase to the misuse of authorization and the zero floor limit fees. As a result, some merchants will see rate increases. These fees may appear as separate line items on your merchant statement.

October 2016 MasterCard FANF Changes

Effective October 2016, MasterCard introduced new rule changes for Revised Standards for Processing Pre-authorizations and Authorizations. MasterCard will implement improvements to their current rules that are designed to address limitations that are directly related to the processing of pre-authorizations and authorizations. Authorizations will be required to be clearly coded as a pre-authorization, undefined authorization, or final authorization. Additionally, effective October 2016 certain merchants may see the addition of or increases to fees as a result of this mandate. These fees will reflect as a separate line item on the merchant statement.

Upcoming FANF Changes

Although, FANF fees are always changing due to the complex nature of the financial market, US Merchant services is here to help our clients understand these changes and help you find the best payment processing solutions to meet your situation. Contact us today and get an absolutely free consultation.
In today’s business and marketing climate, mobile phone integration is no longer just an asset, it’s a necessity! Besides taking calls and connecting with customers on social media, phones can also be used as a state-of-the-art payment system. Traditionally, small businesses had to rent or purchase a dedicated card-reading machine. There are certainly many times where dedicated credit card processing machines are still needed. However, mobile payments may indeed be right for your business. Keep reading to find out if this method of credit card processing is right for you!

Using Your Mobile Device for Customer Payments: Branch Out without Paying More

As a small business owner, you may be worried about equipment costs eating into your bottom line, If you have limited resources, you can either use an attachment (as in Square) or even take photos of the card with your phone. The upside, of course, is that you don’t have to invest in a dedicated machine, and many modern apps and payment solutions offer integration directly into whichever software you use for bookkeeping. This saves you money on an upfront investment and makes keeping track of purchases and inventory easier. The downside, of course, is that the customer now has your phone! If you also use the device personally, be aware of privacy concerns, or even customers, especially the older generation, being concerned at the ‘informal’ nature of the transaction. Another reason to consider having a separate device is to make it easier to keep financial track of business-related data expenses.

Mobile Payments for Mobile Businesses

For some small businesses, a mobile device may be necessary, even if you have the cash to invest in a dedicated POS machine. Maybe you run a food truck, dog walking business, or other “outside-the-box” enterprise. Up until recently, customers frequenting these types of businesses were often asked to pay in cash. As cards become more and more common, cash-only can be an increasingly difficult requirement and may mean lost customers. Enter the mobile credit card merchant solution to the rescue! There are several ways that mobile solutions can work, and many can even be run without wifi, so that you can truly accept payments anytime, anywhere.

Choosing Which Payment Solutions Works for You

There are a huge variety of payment choices out there, and it’s worth taking the time to research what might be best for you. If you’re trying to start a new retail or food business with minimal upfront investment, consider finding a solution that will allow you to take payments using your current device. If you’re interested in “cordless” solutions because you don’t work out of a traditional office, mobile payment may also be right for you, but you may want to consider getting a phone or tablet specifically dedicated to business tasks if possible. If you’re ready to learn more, contact us for a free consultation from our Merchant Service Specialists.
At US Merchant Services, we service businesses of all sizes. We service government entities through our subsidiary partners at Convenient Payments. We even offer credit card processing for golf courses. But at the end of the day, one of the most important components of the corporate DNA here at USMS is providing the best credit card processing platforms for small businesses. Here are some things to consider when choosing a credit card processing platform for your small business.

Does Your Credit Card Processor Give You Peace of Mind?

As a small business owner, you want a secure way to process credit card payments. At USMS, all of our payment solutions are PCI-compliant and 100% secure. For our merchants, we offer a special insurance program that helps you with compliance. This program offers up to $50,000 worth of coverage. Data breaches, on average, can cost a business up to $38,000. In fact, 86% of breaches happen with smaller merchants. This is why the team at USMS offers this package to protect your business interests. Beyond security, we even offer terminals that protect your business while your vendors are in the field. The Verifone VX 680 lets you set regional boundaries for your vendors, giving you heightened peace of mind to protect your business’s interest.

Does Your Credit Card Processor Give You Flexibility?

If you are a mobile merchant, you do not need a large, clunky credit card machine. We have solutions available for you if you are one of those merchants who does business on-the-go. For example, the Verifone VX 680 is completely wireless. This is one of our many mobile processing terminals that lets you take payments anywhere. Our mobile processing platforms come with industry standard 3G mobility, GPS, and more! Whether you are a small business owner who needs to take payments at the restaurant table or at a trade show booth, USMS gives you the flexibility that you need for your small business.

Does Your Credit Card Processor Give You Convenience?

At USMS, we are committed to making life hassle-free for our merchants. We let you accept all credit cards, including Visa, MasterCard, Discover, American Express, and even Diners Club. Additionally, we also work with the major debit card networks. At USMS, there is no such thing as a high-risk merchant as we support nearly every type of business with our liberal underwriting policy. Here are some of the things that you get from USMS that you will get with no other credit card processor:
  • EBT and Gift Card Processing
  • Payment Platforms That Let You Push Promotions Point of Sale Solutions That Let You Take Your Business Anywhere Interested in joining the USMS merchant community? Contact us today for a free consultation and learn more about how we can serve your needs as a small business owner.
    Why your business needs a check scanner Remote deposit is a way to process payments without sending checks to the bank. With remote deposit, you can scan (or snap) an image of a check, send the image to your bank, and see the funds added to your account more quickly. For small businesses, every opportunity to save time and money is extremely important to your bottom line, which is why you should consider this technology. Let’s cover the basics of remote deposit technology. Do Small Businesses Really Need a Check Scanner? Although personal checks are less-common between individuals, business-to-business transactions, especially in certain fields that collect fees, make these scanners still very much in demand. Getting the money into your account faster is just one advantage of using a Check Scanner for operations. How Remote Deposit works Remote deposit services work with an electronic image of the check. This image is sent to the account holders’ bank. This allows the bank involved to first of all verify funds availability and then proceed with transferring the funds. Part of why this is a great win-win for businesses is that you get your money processed earlier, and the instant verification also provides protection against bad checks. As far as costs are concerned, deposit scanners are priced anywhere from several hundred dollars up to thousands depending on volume of checks your business expects to process. Instead of purchasing outright, check scanners can also be rented, or occasionally provided as part of a promotion packaged for banks that wish to partner with your business. If checks aren’t a huge part of your business, there are also options other than a dedicated check scanner. For example, you may be able to use a plain old consumer scanner for personal remote deposit. Some banks allow you to use a fax machine, and some even allow you to use your mobile phone's camera for remote deposit. Compliance and Security It’s possible that remote deposit will save you time and money. You may be able to skip trips to the bank, armored car services, and time waiting on check float. However, there are tradeoffs. You also have to worry about new legal issues when you switch to remote deposit. Since you’re not sending checks to the bank, you have to know the rules about how to handle the checks after you scan them. Ask your remote deposit service provider for directions on how to stay compliant. Why Banks Offer Remote Deposit Banks and third-party service providers will increasingly offer remote deposit capture services to businesses and consumers. It makes life easy for customers: deposits are faster, and they’re much more convenient. Remote deposit is also less labor-intensive for banks- you’ve created the image so they don’t have to. Most internet banks allow you to make deposits with your mobile device, and small banks and credit unions are also getting in on the game.If you run a business, you may also find that treasury management or lockbox services perform remote deposit capture for you.
    Whether you need a simple credit card machine, an online gateway, debit pin pad, processing for your smart phone, a wireless device, or even an all in one POS...
    Since 1992, we have been providing thousands of businesses with individualized attention. We provide every client with superior service that is unparalleled in the merchant services industry. We understand the importance of having complete trust in your provider, which is why you, our client, are our number one priority. See what some of our valued clients have to say about us: "I researched literally 18-20 companies and it took me about six months. After much thought, I selected USMS. I save an average of $700-$1,300 per month on my processing fees! I have recommended USMS to all of my professional colleagues as they have saved me a tremendous amount of money" Tricia J., San Diego CA icon Read more Testimonials USMS, America’s Trusted Credit Card Processing Service US Merchant Systems provides businesses with top-of-the line equipment, such as the VeriFone VX670 and the VeriFone VX520. Our services will redefine the way that your business does credit card processing. We help businesses of all types, including ecommerce, restaurants, grocery stores, convenience stores, and regional chains. Also, we work with different types of service businesses in their B2B transactions. Our mobile solutions let merchants collect payments virtually anywhere, including credit cards on iPhone.
    Whether you need a simple credit card machine, an online gateway, debit pin pad, processing for your smart phone, a wireless device, or even an all in one POS...