Text to Pay

Ginger HollowellCredit Card Processing/ Merchant ServicesLeave a Comment

Text to Pay is just like sending invoices in an email with a click to pay button, only using text messaging to send the click to pay button.  Just like in an email, the link takes them to a website where they can enter a credit card or debit card for their invoice payment.  The newer technology is now Text to Pay.  Most people are … Read More

Why Get a New Tablet POS?

Ginger HollowellUncategorizedLeave a Comment

Tablet POS

A very good merchant customer of ours has been using a POS system in their retail establishment for many years.  They were processing credit cards in a terminal sitting next to the POS.  Recently they contacted us asking about an updated POS system with integrated payments. Their old POS cost them a ton of money from employees offering unapproved discounts to their friends.  The old … Read More

How a Merchant Can Protect Themselves Against a Chargeback!

Ginger HollowellCredit Card Processing/ Merchant ServicesLeave a Comment

Here is a true story about a furniture store that lost a $5,500 chargeback and how it could have been prevented. The customer paid for the furniture over the phone with an approved credit card. The customer asked if the store could deliver the furniture about an hour outside of town, to which the furniture store complied. When the delivery person arrived with the furniture, … Read More

What is the Newest Hidden Merchant Fee from Credit Card Processors?

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Merchant Services Hidden Fees

The credit card processing industry has upgraded its efforts to protect merchants against fraud.  One of the best advances has been introducing the chipped card versus the older magnetic swipe technology.  That magnetic stripe was easy for fraudsters to extract credit card numbers and even address information to manufacture and duplicate peoples’ credit cards. Chipped cards are challenging for fraudsters to replicate because the transaction … Read More

Can Medical and Recreational Cannabis Stores Accept Credit Cards for Payments?

Ginger HollowellCredit Card Processing/ Merchant ServicesLeave a Comment

Since medical and recreational cannabis sales are not legal at the federal level, the answer is a flat NO. However, dispensaries do have another solution to accept plastic.  They can use a Cashless ATM and process pin debit cards. A cashless ATM looks and feels like a credit card terminal.  In fact, it is a credit card terminal, which is programmed to function and pass … Read More

What are the Visa/MasterCard Rules Regarding Credit Card Payments for CBD Products?

Ginger HollowellUncategorizedLeave a Comment

CBD High Risk Processing

If the THC in a product is less than .3%, credit card processing is allowed under federal rules and regulations.  Customers can purchase CBD in physical locations as well as online.  Merchants selling CBD are considered high-risk merchant accounts.  Applying for card processing with white lies about your products and trying to slide under the radar without divulging the high risk products will someday get … Read More

Are We Ready for the Cashierless Grocery Store?

Ginger HollowellCredit Card Processing/ Merchant ServicesLeave a Comment

Scan for Payment Processing

We will find out as Amazon is now opening its first such store in Seattle with its “Just Walk Out” technology.  It is a full-scale grocery store of 25,000 square feet. Cameras detect when an item leaves the shelf and goes into your grocery cart.  Sensors detect all the items in your cart and add up your bill.  Your credit or debit card is automatically … Read More

To Offer Cash Back on Debit Card Transactions or Not?

Ginger HollowellCredit Card Processing/ Merchant ServicesLeave a Comment

Debit Card Cash Back

Overall, offering cash back to your customers can be a benefit. 1. It provides a service of convenience for your customers and can develop loyalty and an opportunity to spread word of mouth advertising regarding the convenience. 2. Customers appreciate the ability to add cash to their pocket without an additional trip to the ATM and without incurring the ATM fee. 3. Offering cash back … Read More

Attention Business Suppliers with Net 30 Terms!

Ginger HollowellCredit Card Processing/ Merchant ServicesLeave a Comment


Culture in the business-to-business world has dictated a customary practice of offering buyers net 30 terms or even longer.  Giving buyers 30 days is the same as borrowing money at interest for 30 days.  Maybe a business has enough cash sitting in their bank account, but the slow speed of collecting money owed on invoices has an actual cost. Many suppliers offer a net 10 … Read More

Food Delivery Fraud

Angela HudginsScams Against MerchantsLeave a Comment

Food Delivery Fraud

In the restaurant industry, food delivery has grown even more popular during COVID.  Food delivery is not just for pizza, but for all types of meals. Unfortunately, with any new adaptation of digital technology, like online food ordering with delivery, fraudsters are looking for ways to take advantage and find holes in the system to steal other people’s money. There are 3 ways that fraudsters … Read More