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We all love our social media accounts. Increasingly, social media is how news is spread, how friends stay connected, and how businesses communicate with their customers. If your business doesn’t have even a basic social media presence, you need to get one set up right away.
Credit card surcharging – the practice of assessing an additional charge or fee on transactions that are paid with a credit card – has become a hot button issue lately. This post will show you how to begin surcharging if you’ve already decided it’s right (and legal) for you.
In today’s data-driven world, there’s no shortage of metrics for business owners to study. Every platform, software program, plugin, app, and vendor you use has an analytics dashboard to let you keep track of what’s going on with your business. You can deep in the weeds fast – really, really deep if you’re not careful.
Data security is a hot topic for business owners and customers alike. No one wants their credit card information in the hands of a criminal, and no business wants to be the one that put it there. Don’t worry, it’s not as painful as it sounds. Here’s how to stay PCI compliant without going crazy.
If you’re looking for some new goals in 2018, why not make 2018 the year you really invest in technology for your business? We’re talking about investing in the technology that’s going to revolutionize the way you do business. Here are five tech opportunities you need to consider this year.
Tired of paying exorbitant credit card processing fees? How can you avoid taking a hit each month on these fees? In some states, you can pass these fees along to your customers – but is this the right call? Let’s break down the pros and cons.
If you’re like many business owners, you love the idea of gift cards. They’re easy to sell, make great impulse buys, and you get to pocket the money upfront without having to part with any inventory. However, with the rising popularity of gift cards comes a spike in fraud concerns. Here’s how to safeguard yourself.
Everyone’s talking about the “sharing economy” these days. The sharing economy has caused renting to take off in a big way. But what if you’re a business owner who sells physical goods? Won’t the sharing economy spell disaster for your business model? Not so fast. Here’s how you can thrive.
At 360 Payments, we love to talk about our great customer service. We think it’s one of the many things that sets us apart from our competition, and our customers agree. But it’s easy to brag – what does that really mean for you, a business owner? Here’s what you can expect from us.
What if we told you that signatures on credit card receipts don’t really matter? In fact, the major credit card companies in the United States have all started to phase them out! Let’s take a look at what prompted this decision and what it means for you.
The follow-up stage is where so many promising deals go to die, particularly because of email. Email is great because it lets you follow up quickly and frequently, but it’s also extremely easy to ignore. Here’s how to make sure that doesn’t happen to you.
If you’re in a sales role in your company, no doubt you’ve got your targets for this month, quarter, and year all planned out. This isn’t an article about fancy hacks that’s going to change your life. It’s about the good old-fashioned things any salesperson can do to make this year their best one yet.
The tax code underwent some major changes recently. The flurry of House and Senate activity at the end of 2017 produced the Tax Cuts and Jobs Act. While the big topic of conversation among business owners was the hefty corporate tax cut, there have been changes for individuals as well.
Your credit card processing application was denied. When you contacted the potential processor to find out why, they told you it’s because your business is on the MATCH list. What does this mean? How did you get on the list, and how can you get off? We’ll answer those questions and more in this post.
As we get ready to launch into a new year, we took a look back at everything we’ve written in this blog over the past year – and we’ve written a lot! Our readers have commented, shared, complimented, and complained. Here are our top ten posts of 2017, according to our readers.
Choosing a new credit card processor is a big decision. Before you make a final call, there are a few questions you absolutely must ask to make sure you’re getting the best deal possible for your business. Here are the top three questions to ask before signing up.
Digital marketing changes so quickly that it can be hard to tell what you should focus your time and money on in the new year. We’ve taken the guesswork out of that. Here are five marketing trends to pay attention to in 2018 and how you can capitalize on them.
Taking payments from your customers sounds simple enough, but it can be pretty difficult to get customers to actually make a purchase. You can help remove the barriers customers face when shopping at your business. Here are four simple ways to do just that.
If you haven’t started planning for 2018 for your business yet, well, you’re a little behind. Don’t despair – there’s still time to get a game plan together for the coming year. Block off a few hours on your calendar and get to work. These five tips will help you plan your best year yet.
It’s been a big year for the financial industry! From Bitcoin making itself known to the high-profile Equifax breach, there have been many highs and lows. What can we expect going into 2018? In this article we’ll take a look at four emerging trends that will have a big impact on our industry next year.
The tax bill currently pending in Congress could spell major tax cuts for businesses, but it’s not quite that simple. In this article, we break down how the bill as it currently stands could affect your business.
The holiday shopping season is in full swing – is your business ready? This is a busy time of year for our customers in many industries, which means extra revenue but also extra stress. Do these five things to get ready, even if you do nothing else.
Bitcoin is all the rage right now (just like blockchain), but how many entrepreneurs really know what it is? Simply put, bitcoin is a decentralized digital currency that isn’t regulated or owned by any one country or bank. We’ve gathered the top facts you should know to get a deeper understanding of this cryptocurrency.
“Blockchain” is one of the hottest buzzwords in tech this year, and it’s on its way to disrupting numerous industries. Most notably, banks and other financial institutions are starting to show interest. The financial services industry is notoriously slow to innovate so this is a big deal.
Entrepreneurs are a rare breed, with a unique combination of ambition, determination, courage, and a little crazy all mixed together. Many entrepreneurial traits are certainly very desirable, for adults and children alike. Fostering these values at an early age is important to raising kids who will be successful business owners and employees in the future.
We’ve written several blogs about chargebacks recently. Why have we devoted so much time to this topic? Because while hopefully chargebacks won’t happen all that often, when they do they can dramatically affect your business. We’re going to dive into the topic again today, and we’ll also introduce you to a related issue – retrieval requests.
Chargebacks can be a major hassle for business owners, and they can really hurt your bottom line. When a customer disputes a charge with their bank and the money is returned to that customer, they get to keep the merchandise and you get to pay a chargeback fee to the bank – ugh!
Choosing a credit card processor to work with your new business can be a challenging task, but it’s one you have to take seriously. We’ve written a few blogs in the past on how to choose the right one, but in this article we’re focusing on what NOT to do.
As our nation celebrated Veterans Day last week, I took some time to reflect on the traits that veterans embody that make them tremendous assets to any team. Here are just a few of the reasons I believe taking a chance on a veteran isn’t really taking a chance at all.
Accepting credit cards is a wonderful feature for businesses to offer their customers, but it does come with risks. One of those risks is the threat of a chargeback. Let’s dig a little deeper into what happens during a chargeback and how you can protect yourself.
During the holiday season, gift cards are all the rage. They make quick gifts for when shopping time is limited and are the perfect choice for that notoriously hard to shop for someone. If your business is not already offering gift cards, you should probably at least consider them. Here are four reasons why.
One common bonus that credit card processors use to earn your business is the promise of next day funding. It sounds great – make a sale today and get your money tomorrow – but it’s not without tradeoffs. Here’s how to decide if next day funding is really for you.
Choosing a credit card processor important. You’re not just choosing a vendor, you’re picking a partner who will guide you through the complex and sometimes overwhelming world of credit card transactions. Price is obviously a consideration, but it’s far from the only one. Here are four other factors you should take into account.
Accepting credit card payments is a straightforward process for most brick-and-mortar businesses – purchase a countertop or mobile credit card terminal and swipe away. Ecommerce stores require a payment gateway and a shopping cart instead of the physical terminal. What about businesses that don’t fit neatly into either category? A virtual terminal may be the answer.
Starting a business means making a lot of decisions at once. Once you find your groove, however, it’s time to reevaluate some of the decisions you made, particularly with respect to the vendor relationships you’ve built. Here are five key partnerships to review ASAP – you may find significant savings!
Opening the doors to your brand-new retail store is an exciting time. We don’t want to burst your bubble, but we do want to be sure you’re taking care of the details so your business can thrive. Here are five common mistakes we see retail entrepreneurs make in their early months.
You know that your brand’s reputation is important and that being seen as a reputable source of information in your industry is invaluable. How can you accomplish these goals at once? It’s as simple as starting a blog. We’ll walk you through how it’s done.
Congratulations, new business owner! You’ve taken the plunge and launched your very own startup. There’s a lot going on and a thousand things to think about, but this is actually a great time to be starting a brand-new company. Here are three big struggles entrepreneurs face, and the technology solutions that will help you succeed.
We all have hobbies and passions. They fulfill us, energize us, and restore us when we’re disenchanted with life. Most of us would love to quit our day jobs and pursue our passions full-time – but how? Here are our top five tips for making your startup dream a reality.
Credit card transactions are not all created equal. There are three levels of credit card processing (Level 1, Level 2, and Level 3), and which one a particular transaction falls under depends on the type of card used. Depending on your business, you may encounter all of these types. Here’s what you need to know.
This kind of credit card fraud preys on well-meaning cashiers and business owners who want to believe that “the customer is always right.” When the customer steps aside and pretends to call their card issuer, they are likely calling no one at all.
Regardless of your feelings on the issue, consumers are still going to leave Yelp reviews, and you really should respond to them. Here are the top five reasons you need to start taking customer reviews seriously, both positive and negative.
Have you ever visited a business and seen two prices posted for the same product or service – a cash price and a credit card price? Charging customers a bit extra to pay by credit card is a way for business owners to fight back against the credit card fees that cut into their bottom lines.
Applying for a new credit card processing account can be a nerve-wracking experience, especially for first-time business owners. The approval process often seems arbitrary, and you may not have a lot of answers if your application gets denied. We’ll explain some of the main reasons why applications get declined, and what you can do.
In recent weeks, the public learned that the sensitive, private data of 143 million Americans (about half the US population) was left vulnerable to hackers by Equifax, one of the three main credit bureaus. If you’re wondering what steps you can take to protect yourself, take heart. Our guide will show you what to do.
We talk with dozens of business owners every day, and if there’s one thing we hear a lot it’s that Yelp is not a fan favorite. It’s time to take a step back and reconsider Yelp. Here are the top eight reasons why playing the Yelp game is essential to business success.
A payment gateway is an important part of a credit card transaction. There’s no shortage of options available, but unfortunately many gateways limit your flexibility to choose which payment processor you will work with or which terminal you will use. An agnostic gateway (like 360’s Velox solution) is the way to go.
Unless you sell your products and services totally online, you’re going to need a credit card terminal to process transactions. You’ll likely be faced with the choice to buy or lease. Hefty upfront costs could tempt you in the direction of leasing, but don’t be fooled. Leasing a terminal isn’t the right answer – here’s why.
A few weeks ago, we wrote a post about the importance of having a LinkedIn profile, no matter what industry you’re in. Building and maintaining an effective profile is easier said than done, however. We’ll show you seven areas of your profile that you should focus on to set yourself apart on LinkedIn.
Credit card fees aren’t fun to pay – we know that as well as you. Consider a minimum purchase requirement to eliminate or minimize the number of sales on which you lose money. While not the right fit for every business, minimum purchase requirements can help ease the burden of credit card fees.
If you’ve had it with high rates, hidden fees, and customer service that runs and hides when a problem arises, you might be thinking about switching to a new credit card processor. Here’s why a contract isn’t a death sentence for your plans to jump ship.
I have worked in the credit card processing industry since I was 21, and while in my early years I was naïve about many things, it was always clear that business owners didn’t like American Express. In fact, many businesses outright refused to accept it! What’s wrong with American Express? Is its bad reputation well-deserved?
Your online profiles say a lot about you. From Facebook to Twitter to Instagram, the snapshots of your life that you choose to share with the world give your audience a distinct impression of you. Having and maintaining a LinkedIn profile is a must for your career, no matter what industry you’re in.
360 Payments is thrilled to announce that VBO Tickets has chosen 360 Payments as an endorsed payment processing partner. Partnering with VBO Tickets is part of our ongoing mission to revolutionize the payments industry for our customers.
More and more shopping is taking place online, and entrepreneurs are itching to get a piece of the action. Looking for ideas on how to launch the perfect online business? You’ve come to the right place.
Mobile payment applications like Apple Pay, Samsung Pay, and Android Pay are generating a whole lot of buzz these days – but should you pay attention to it? Let’s take a look at five reasons why mobile payment providers are feeling optimistic.
So you’ve decided to take your career into your own hands by starting your own business. Congratulations! With lots of hard work and devotion to making your customers happy, you’ll find your own path to success. Follow these six simple steps to starting your business in the right direction.
In today’s busy and tech-driven world, consumers research and shop for products and services using a multitude of channels. How can you leverage today’s multichannel sales world to increase your revenue? It all starts with payments.
You’ve got a great idea that’s going to revolutionize your industry. All you have to do now is build your business before someone else does. Here are ten ways you can keep your intellectual property from becoming someone else’s success story.
360 Payments is proud to announce that Winworks Auto Shop Management Software has selected 360 Payments to be a preferred credit card processor. 360 Payments is a payment processor founded on the beliefs and core values of honesty and integrity. Partnering with Winworks is the next step in this vision.
Congratulations! You’ve come up with the perfect startup idea, and you’re ready to launch your brand-new company. But should you form your entity as an LLC or a corporation? You’ll need to choose the right type of business entity to protect yourself and keep your taxes low.
Is a lack of funding stopping you from starting your own business? It doesn’t have to. You can still make this happen, even if you don’t have a lot of money to contribute from your personal savings.
Sometimes, the various sides of the payment industry don’t play well together – for instance, your dream POS system that meets all your needs may only be supported by one or two processors, significantly limiting your choices for with whom you can partner. That’s where middleware comes in.
The concept of employee morale is the belief that employees deserve to be satisfied with their jobs. It’s is a combination of how employees feel about their job positions, whether they feel respected by their managers, and how happy they are throughout the day while they’re at work.
Customers are abandoning their online shopping carts at an alarming rate – nearly 70% of the time, to be exact. The key to cutting down on cart abandonment on your site is making payment as easy as possible. Here are our top ten tips for streamlining the process.
It’s not your imagination – today’s cybercriminals are getting smarter. And even though everyone thinks they are tech-savvy enough to identify a phishing scam when they see one, that’s not always the case. In fact, Verizon’s 2016 Data Breach Investigations Report found that a whopping 30 percent of phishing emails are opened by the recipient.
Conventional hiring practices have always favored outgoing employees who excel at group work. These outdated ideals cut out brilliant candidates who would make exceptionally valuable employees. Think outside the box when you’re on the lookout for high-performing team members. That’s the only way to find the hidden talent that other employers so callously reject.
Entrepreneurs and innovators are always pushing forward, always saying yes, and often getting in too deep. Steve Jobs understood the importance of saying no to the thousands of things that don’t matter so you can focus on the ten you and your team have identified as crucial to your mission.
In today’s fast-paced business world, it’s easy to get caught up in the newest apps and forget about people. Technology connects us like never before, but it also makes it easier to hide behind computer screens, separating us from each other. The credit card industry is no exception – it’s suffering from a transparency crisis.
Everyone gets 24 hours a day - even the busiest entrepreneurs. If you want to get ahead, master the art of managing your time. When you manage it poorly, you can never relax. You might feel busy, but you won’t actually get much done until you learn to use your time purposefully.
When it comes to ecommerce, you have plenty of options – sometimes too many. From security to shipping to payment processing, there’s a lot to think about! As you’re designing your perfect ecommerce site, you’ll need to decide how you want to collect and process payments. We break down four options to help you decide.
PCI compliance is a term that often fills business owners with dread. While maintaining PCI compliance is essential for protecting your business and your customers from fraud, it can be aggravating if your system receives a failing grade on its quarterly scan. Here are five common reasons your scan might have failed.
First things first: learn the difference between busy and productive. Being busy means packing as much work as possible into your workday. Being insanely productive means completing big, important tasks without hesitation. Productivity is about being mindful of the work you take on, having few priorities, and making time, instead of managing it.
The credit card processing industry is in desperate need of an overhaul. There’s a distinct lack of transparency, and credit card processors and banks alike often hide behind complex regulations and legalese to take advantage of customers. These attempts to hide the truth are frequently illegal and always inappropriate.
Employee fraud is an expensive problem for businesses both large and small. An ACFE report shows that organizations around the world lose an estimated 5% of their annual revenue to fraud – that comes out to about $3.7 trillion!
If the only thing holding you back from going after your entrepreneurial dream is the high cost of launching a startup, don’t panic. Starting a new company doesn’t require millions of dollars. If you’re willing to start small and make sacrifices when you need to, you can launch your startup on a shoestring budget.
Business owners have a lot to keep track of, and your credit card transactions are no exception – there are fraud concerns, customer satisfaction issues, and processing costs to worry about. Understanding and using credit card pre-authorizations to your advantage just might be the best business move you’ve made all year.
If you’re a business owner who accepts credit cards, you’ve likely heard the terms “authorization” and “capture” before, but how much do you know about the delay between them? Let’s talk some more about this very important step in the credit card process.
As a nation, stress is kicking our butts. Anywhere from 75% to 90% of doctor visits are stress-related, and our busy workspaces and overpacked schedules are to blame. And yet, you can’t help but notice that easy-breezy coworker who thrives under stress. How do they do it? Better yet, how can you do it?
It doesn’t take a news junky to realize that many of Silicon Valley’s top startups have serious challenges with ethics. Whether you’re talking about the latest “Uber firestorm” or the data concerning women and minorities holding down jobs, the landscape is not pretty. It has led some to describe the problem as potentially fatal.
There is nothing better than leading a company that you are passionate about. You have big dreams, and rightly so – there’s no one better equipped to change the world than a highly-motivated entrepreneur. But what, exactly, is it that your company sells?
Ever since that time you woke up in the middle of the night with your life-changing idea, you haven’t been able to get it out of your mind. You know you can build a better mousetrap, so to speak. If this describes you, it’s time to make a plan to turn those dreams into reality.
Running a company is a ton of fun, especially when your sales are good and you have lots of happy customers. Unfortunately, you can run into a snag if you do not handle what some refer to as “admin stuff” and others call necessary evils.
Popularized by David Kelley who founded design firm IDEO that developed a human-centered approach to driving innovation to organizations, the design thinking method can be used for addressing problems as a team rather than one person making decisions in a bubble.
How much do you really know about that little piece of plastic you pull out to pay for everything from candy bars to cars? Where does your card data go, who has access to it, and how does the whole thing even work? Let’s take a look at the process from start to finish.
So you’ve got an awesome idea for a new startup that will change the world and become the Uber of your industry. When it comes to your startup, the answer to “what’s in a name?” is “a whole heck of a lot!” Here are 5 steps to choosing a kickass company name.
Last Friday, a fire at a PG&E substation caused a major blackout to roll through San Francisco. With up to 90,000 customers without power at the height of the chaos, everything from public transit to hospital operating rooms ground to a halt. Many businesses closed, turning away valuable revenue for lack of power.
You’ve assembled an awesome team, designed a fabulous product, and even found some investors to back your efforts. That’s all great! But without customers, your whole startup concept falls apart. That sounds overwhelming, but don’t be alarmed. You can acquire your first customer in just three easy steps.
Getting funding for your startup is hard! You’ll need more than a great idea for investors to sit up and take notice. Follow these six tips for finding and securing business funding, and you’ll be launching the next chapter of your startup’s history in no time.
We’ve all had that one boss – you know the one. They’re the one we all remember as the kind of leader we don’t want to be. If you’re in a leadership role at your startup, here are four ways to be the other kind – a superboss, if you will.
Choosing a credit card processing partner for your business is a big deal. At 360 Payments, we want to help you make an informed decision – and help you evaluate your choice if you’ve already signed up with a provider! How many of these mistakes are you making?
EMV technology has been around for a few years now, but many retailers have been slow to adapt to the change. Delaying your transition to EMV technology is an unnecessary risk and sets you up to take the fall for fraud. Read on to learn why EMV compliance is a must for your business.
If you sell your goods and services online, you probably use some kind of ecommerce platform to handle your transactions. Regardless of which one you use, there are a few elements you’ll want to consider when setting it up. Here are five ways to delight your customers and keep them coming back again and again.
In our last post, we shared 3 bad habits that are hurting your business. Once you’ve updated your website, surveyed a few customers, and put some time into your customer service strategy, read on to kick three more bad habits that are holding your business back.
It’s easy to get caught up in the mundane, urgent tasks that make you feel like a hamster on a wheel and ignore those important big-picture items that will keep your business heading in the right direction for the long haul. Here are three bad habits to quit right now.
Mobile technology is everywhere! As customers and businesses move faster and faster, apps and software that can travel with your sales team or around your facility are logical choices to help you keep up. We’ll explain five ways mobile technology will propel your business to the next level.
360 Payments is proud to announce that Protractor Software has selected 360 Payments to be a preferred credit card processor. 360 Payments is a payments processor founded on the beliefs and core values of honesty and integrity. The credit card processing industry is very competitive and can be confusing to business owners. 360 Payments began its journey with the intentions of unveiling the misconceptions of the industry, providing excellent customer service, giving back to the community, and providing a unique opportunity for individuals to make an honest and extraordinary income. Partnering with Protractor is the next step in this vision.
As a small business owner, you know what it feels like to be a small fish swimming among sharks. Keeping costs down is a must, but don’t be tempted to skip accepting credit cards! Even in the age of Apple Pay and PayPal, here’s why your business must absolutely 100% accept credit cards.
All businesses that accept credit card transactions worry about fraud, but if you’re one of the many businesses that sells its goods and services online, you’ll want to pay extra attention – we’re talking to you.
We want to connect with you as time FALLS BACK starting Sunday, November 5. Your credit card machine clocks need to be changed to ensure your transaction and batch settings continue to work like normal. We have created a few videos to walk you through changing the time on your machines.
Every month, your credit card processing company sends you a statement that summarizes the transactions and charges for your business during the previous month. Knowing how to read and understand the components of this statement is the first step toward taking ownership of your business’s transactions.
For too long the credit card payment processing industry has been a disaster. It’s been compared to a commodity with competitors undercutting each other and racing to zero. Sales reps typically employ an archaic turn and burn style, and customer service has historically been almost nonexistent. 360 Payments is different. Here’s why.
When accepting payments, whether in person, over the phone or over [...]
By Steve Ciabattoni, Co-CEO Payment processing integration with bus [...]
The goal of this piece is to make business owners armed a [...]
360 Payments is proud to announce that Remedly Practice Management Software has selected 360 Payments to be a preferred credit card processor. 360 Payments is a payments processor founded on the beliefs and core values of honesty and integrity. Partnering with Remedly is the next step in this vision.
360 Payments is thrilled to announce that Oak Valley Community Bank has chosen 360 Payments as an endorsed payment processing partner. Partnering with Oak Valley Community Bank is part of our ongoing mission to revolutionize the payments industry for our customers.
360 Payments is proud to announce that ProfitBoost Auto Shop Management Software has selected 360 Payments to be a preferred credit card processor. 360 Payments is a payments processor founded on the beliefs and core values of honesty and integrity. Partnering with ProfitBoost is the next step in this vision.
Empowering Our Customers to Succeed: 360 Payments Partners with Omnique Auto Shop Management Software
360 Payments is very pleased to announce that Omnique Auto Shop Management Software has chosen 360 Payments as its preferred payments provider. 360 Payments is a credit card processor that lives by the principles of transparency and great customer service. The credit card processing industry is opaque and can be difficult for entrepreneurs to understand. 360 Payments launched in 2011 with the goal of unmasking the dirty little secrets of the industry, offering superior customer support, being active in the local community, and providing a fantastic chance for team members to make a real difference while earning a fair income. Partnering with Omnique is only natural as this vision continues to develop.