Merchant Account Blog & Credit Card Processing Blog

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Nurit 2085 Credit Card Machine

The Nurit 2085 was an indusrty work-horse, supporting multipule merchant accounts and multiple applications. With the introduction of newer credit card terminals, the cost has dropped signifigantly, creating a great value for consumers. With many refurbished units on the market, an even greater savings is available for those who seek refurbished models. Merchants seeking value, should take a look at the Nurit 2085 credit card machine for a great return on their investment.

The Nurit 2085 can support most value-added programs, such as Check Prrocessing, Gift Cards, Pre-Paid Cards, EBT Food Stamps, just to name a few. Most of all, this unit will provide fast and reliable credit card processing for years to come. With recent changes in security issues, the Nurit 2085 can be PCI DES compliant by simply adding a newer Pin-Pad, for those merchants wishing to accept “Pin Based Debit” transactions.

In conclusion, the Nurit 2085 will be around for many years to come. We offer a satifaction guarantee with all credit card equipment, at the lowest possible price.

MARK SANDS
http://www.usa-merchantaccount.com/Nurit_2085.html

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Payment Gateways & Shopping Carts

Merchants selling products online need an E-Commerce Merchant Account to process credit card transactions from theirr website. Customers can use a Buy-It-Now button taking them to a payment platform to check-out or you can add a complete shopping cart allowing customers to add multiple products into the shopping cart, before check-out. Buy-It-Now would be the simplest check-out.

Shopping carts can very in scope with many different options. We offer a free shopping cart with simple instalation and can be upgraded with options as needed. The problem with connecting your shopping cart with your merchant account, is that not all shopping carts are compatable with the different payment gateways offered today.

Payment Gateways are the secure connection between your ecommerce merchant account and your shopping cart. This is where your customers credit card data is securely transmitted to your merchant account from your website. We offer multple gateway platforms, such as Authorize.Net Gateway, Eprocessing Network’s Gateway, and the LinkPoint Gateway. These are the major gateways and your shopping cart should be compatible with at least one of these secure payment gateways.

Merchant account approval is necessary processing your customers credit card transaction. The data is transmitted via secure payment gateway, from your shopping cart or buy-it-now button, to your merchant account. Merchant account approval’s can also vary from different providers, as ecommerce transcations are of “Higher Risk”, than a brick and morter transaction.

We specialize in E-Commerce Merchant Accounts and also can approve some High Risk Merchant Accounts, as well. We also do alot of High Volume Merchant Accounts, as well. If your website is new with very little traffic and sales you may want to consider Google Checkout, as an alternative untill your website begans to be profitable. Google Checkout offers a simple solution and is affordable. If you advertise with Google Adwords, they even offer you a discount on credit card processing with Google Checkout. A simple solution for new websites.

If you have any questions, please feel free to contact me for advise with E-Commerce Payments.

Mark Sands
http://www.usa-merchantaccount.com

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EBT | Electronic Benefit Transfer

Accepting food stamps at your business can increase your sales, by openning the door to people that receive government benefits. Food stamps (EBT) can be accepted at any grocery store or convenience store that is approved by the US Department of Agriculture with a Food Stamp Permit. Vist the USDA’s website for qualifications and a application.

Once approved by the USDA, you will be issued a terminal identification number which will be used to identify your business in the transaction process. You will also need a Pin-Pad, for the customer to enter their EBT Number. The transaction is processed just like a debit-card transaction with the sale amount being debted from their balance.

Best of all these transactions are much cheaper that accepting credit cards, with a low transaction fee and no discount rate percentage being charged to the merchant. Most any terminal could be programmed to accept food stamps (EBT), including the Nurit 2085 which seems to be the most popular equipment for EBT Transactions.

Increase customer loyalty and repeat business by welcoming EBT Food Stamps !!! Perfect choice with your new merchant account.

Feel free to give me a call to discuss your Electronic Benefit Transfer needs.

MARK SANDS
http://www.usa-merchantaccount.com

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ELECTRONIC CHECK CONVERSION

Accepting payments at the point-of-sale is not simply credit card processing anymore. Electronic check conversion is swiping the nation, by allowing merchants to accept checks and convert them into electronic deposits, at the point-of-sale. Many merchant account providers fail to offer these new technologies and only focus on the ability to accept credit cards.

Imagine welcoming your customers check without the risk of losing your shirt in the transaction. Electronic check conversion will allow you to “Scan” the papercheck and convert it into an electronic deposit, right at your counter. Check info is passed electronically and you are prompted to “Accept” or “Decline”. Customers check is then stamped void and returned to the customer. Your funds are deposited electronically into your business account. It’s that simple.

Our affordable solution will allow you process checks in 48 hours. Call us today to discuss your needs.

MARK SANDS
http://www.usa-merchantaccount.com

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Selling Gift Cards = Profits

Selling gift cards can increase your bottom line by, adding new customers, putting advance cash into your business, and profiting from un-redeemed values. Lets take a look at each, strating with new customers. Gift card purchasers must think highly of your products or services to consider giving them as a gift. This is kind of like a recomendation to their freinds and family. As these gift cards are redeemed you will introduce your business to these new customers.

Secondly, a gift card sale is a “Cash Advance” for the possiblity of a future sale. You can use this cash advance as you like. For example to re-invest in inventory, advertising for your business, overhead expenses, ect. The greatest bennefit is that it is interest free money.

Thirdly, is the profit you will receive from “Breakage”. Breakage is value of the gift cards which are never redeemed. Most times the full-value of the gift card is not redeemed and many times the gift card will neverr be redeemed at all. A conservative estimate would be 15% of all gift card sales are never redeemed. Keep in mind, that is pure profit.

Many gift card programs vary in cost including statement fees, transaction fees, and discount rates. We offer the Valutec Jumpstart Program, which highlights a Flat Fee of $39 with includes 100 Free Crads, no transaction fees, and no discount rate. We feel our giftcard program is the most cost effective on the market today. We also offer programs for larger businesses doing high volume gift card sales.

Call us today to discuss your gift card needs.

MARK SANDS
http://www.usa-merchantaccount.com

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Value Added Payment Solutions

Merchant accounts are a must for most business types these days, as people prefer to use their plastic rather than cash. Regardless of the ticket size, large or small, people have embraced the technology. Most credit card processing providers have adapted a one-size-fits-all mentality, that offers you a couple of payment options and limit you to credit & debit card acceptance.

We have embraced many different specialized technologies which set your business apart from your competition and offer more than just merchant accounts. Customer loyalty and repeat business are the keys to your success and these payment options technologies will create both customer loyalty and repeat business. Consider the following payment solutions:

Value Added Products:

GIFT CARD SALES
CHECK PROCESSING
“TAP & GO” CONTACTLESS
EBT FOOD STAMPS
PRE-PAID CARDS
AGE VERIFICATION
PAY-AT-PUMPS
MERCHANT CASH ADVANCE
ATM MACHINES
E-COMMERCE SALES
POS SOFTWARE

Over the next few days we will highlight different payment solutions, that can set you apart from your competition. Feel free to call us with any questions or suggestions.

MARK SANDS
www.usa-merchantaccount.com

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Level 4 Merchants:

According to Visa’s Website, a level 4 merchant is described as: Any merchant processing fewer than 20,000 Visa e-commerce transactions per year, and all other merchants-regardless of acceptance channel-processing up to 1,000,000 Visa transactions per year. Please keep in mind that this reffers to Transactions Processed, not dollar volume processed.

PCI Compliance Requirments:

An annual PCI Self-Assessment Questionnaire is to be completed ans signed by the Principal or Officers of the company. Questionaire should be available by contacting your merchant services provider.

A Quarterly Network Scan provided by an Approved Scan Vendor, is also required.

Again, please direct any questions to your merchant services provider, as failure to become compliant could result is termination of your credit card processing agreement.

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Level 3 Merchant:

According to Visa’s Website, a level 3 merchant is described as: Any merchant processing 20,000 to 1,000,000 Visa e-commerce transactions per year. Again keep in mind that this reffers to Transactions Processed, not dollar volume processed.

PCI Compliance Requirments:

An annual PCI Self-Assessment Questionnaire is to be completed ans signed by the Principal or Officers of the company. Questionaire should be available by contacting your merchant services provider.

A Quarterly Network Scan provided by an Approved Scan Vendor, is also required.

Again, please direct any questions to your merchant services provider, as failure to become compliant could result is termination of your credit card processing agreement.

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Level 2 Merchant:

According to Visa’s Website, a Level 2 merchant is described as: Any merchant-regardless of acceptance channel-processing 1,000,000 to 6,000,000 Visa transactions per year. Again, please keep in mind that this is Transaction Volume, not dollar volume.

PCI Compliance Requirments:

An annual PCI Self-Assessment Questionnaire is to be completed ans signed by the Principal or Officers of the company. Questionaire should be available by contacting your merchant services provider.

A Quarterly Network Scan provided by an Approved Scan Vendor, is also required.

Again, please direct any questions to your merchant services provider, as failure to become compliant could result is termination of your credit card processing agreement.

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Level 1 Merchant:

According to Visa’s Website, a level 1 merchant is described as: Any merchant-regardless of acceptance channel-processing over 6,000,000 Visa transactions per year. Any merchant that Visa, at its sole discretion, determines should meet the Level 1 merchant requirements to minimize risk to the Visa system. Keep in mind that is any merchant type, processing over six million individual transactions, not $6,000,000 in sales. Also keep in mind that Visa, at it’s sole discretion may require any merchant to meet Level 1 Requirements, to be deemed in compliant.

Contact your merchant account provider for more information. Failure to become PCI Compiant could result in termination of your credit card processing agreement.

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