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by several factors.
IMPORTANT QUESTIONS TO ASK A MERCHANT SERVICES PROVIDERWHAT EQUIPMENT IS INCLUDED?DON’T FOCUS JUST ON THE PROCESSING PRICES, BUT ON THE EQUIPMENT INCLUDED FOR THE PRICES. IS ANY EQUIPMENT INCLUDED? IF SO, WHICH EQUIPMENT AND WHAT...WHAT ARE THE TERMS OF THE CONTRACT?KNOW THE CONTRACT TERMS. ARE YOU LOCKED INTO A CONTRACT, OR IS IT A MONTH-TO-MONTH SUBSCRIPTION? IF IT’S A LONG-TERM CONTRACT, ASK ABOUT THE CANCEL...DO YOU OFFER CHIP CARD PROCESSING?TODAY MOST CONSUMERS WANT TO USE A CHIP (EMV) CARD VERSUS MAGNETIC STRIPE CARDS. THIS REQUIRES SPECIFIC EQUIPMENT AND NOT ALL PROCESSORS OFFER IT,...HOW DO YOU PROTECT THE MERCHANT AND CUSTOMER’S PRIVACY?SECURITY IS A BIG ISSUE WITH CREDIT CARD PROCESSING. NOT ONLY ARE CUSTOMERS AT RISK OF HAVING THEIR PAYMENT INFORMATION OR IDENTITY STOLEN, BUT MER...WHAT ARE THE TRUE PROCESSING FEES?MANY MERCHANT SERVICES PROVIDERS OFFER INTRODUCTORY RATES TO LURE YOU IN. ONCE YOU’RE A CUSTOMER FOR A WHILE (A FEW MONTHS), YOUR TRUE RATE APPEARS...WHAT ARE THE CUSTOMER SERVICE OPTIONS?YOU NEED CUSTOMER SERVICE FROM A MERCHANT SERVICES PROVIDER JUST LIKE YOUR CUSTOMERS NEED IT FROM YOU. IF YOUR CUSTOMER HAS A CREDIT CARD QUESTION,...DO I HAVE A DEDICATED SUPPORT SPECIALIST?DEALING WITH PAYMENT QUESTIONS AND PROBLEMS IS URGENT. DEALING WITH DIFFERENT PEOPLE IN EACH SITUATION CAN BE OVERWHELMING, ESPECIALLY IN THE TIMES...ARE YOUR PROCESSING SERVICES COMPATIBLE WITH MY CURRENT SETUP?IF YOU’RE AN EXISTING BUSINESS, YOU MAY NOT WANT TO CHANGE YOUR EQUIPMENT OR E-COMMERCE SETUP. KNOW WHAT YOU HAVE AND WHAT YOU NEED TO MAKE SURE TH...HOW TRANSPARENT ARE THE REPORTS?FIGURING OUT YOUR PAYMENT PROCESSING FEES AT THE END OF THE MONTH CAN SEEM 100 TIMES WORSE THAN LEARNING TO BALANCE A CHECKBOOK. IF YOU CAN’T UNDER...WILL MY RATES INCREASE IF SALES INCREASE?CREDIT CARD PROCESSING COMPANIES USUALLY CHARGE FEES BASED ON YOUR SALES VOLUME. THE MORE SALES YOU DO, THE MORE YOUR RATES MAY INCREASE, WITH SOME... The credit card industry doesn’t have the most solid reputation, but there are many good ‘eggs’ in the basket. You just have to know what questions to ask so you can find the right merchant servicesprovider.
THE BEST CLOVER POINT OF SALE APPS FOR RESTAURANTS The Clover point of sale system is made for restaurants with the Clover Dining feature built into the system. A robust POS, the Clover restaurant point of sale empowers restaurateurs to manage all aspects of the business from one system. Plus, there’s an HOST MERCHANT SERVICES: CREDIT CARD PROCESSINGMERCHANT SERVICESINFOGET STARTEDPAYMENT PROCESSINGCREDIT CARD MACHINESPOINT OF SALE “Host Merchant Services has been an excellent partner for enabling credit card processing services in our gym software. They are a great fit because, in addition to providing technical support for our software integration, they match our focus of providing excellent customer service and cost savings for the gyms that use our software.” – Mike Spencer, RX Gym Software LOGIN - HOST MERCHANT SERVICES Account Login. Sign In to your account. Remember me. Sign In B2B PAYMENTS FIRM AVIDXCHANGE IPO COULD VALUE THE COMPANY AvidXchange is now looking to establish an initial public offering or IPO. Reuters reports that the IPO could give the company a valuation of up to $7 billion. AvidXchange is working with many prominent entities to prepare its IPO. It is working with Goldman Sachs, Bank of America, Barclays, and JPMorgan Chase to get its IPO ready. CURRENT US INTERCHANGE RATES Current US Interchange Rates The term “Interchange rate” refers to the fees charged by the card companies for use of their cards. These card companies include Visa, Mastercard, AMEX, Discover. Interchange rates change twice a year – in April and October. Payment processing companies make money by putting a markup on top QUICKBOOKS DESKTOP SOFTWARE BEING PHASED OUT CURRENT SBA LOAN RATES AND PROGRAMS IN 2021 There are numerous loan programs that the Small Business Administration (SBA) works with lenders to provide to small enterprises. Although SBA itself does not lend money to businesses, the agency guarantees 75%-85% of the principal amount on various loan programs. Thereby reducing the risk borne by its lending partners, micro-lending institutions, and community development organizations INTERCHANGE FEES INCREASING IN APRIL 2021 Interchange Fees Increases Delayed Until April 2022. March 19, 2021. Big changes for interchange fees were on the horizon for both MasterCard and Visa. However, facing some federal scrutiny and recognizing the the US economic recovery is at a fragile stage, both companies decided to delay these increases until April 2022. AVERAGE FEES FOR CREDIT CARD PROCESSING There is a litany of factors that impact the average fees for credit card processing. What merchants pay in processing fees is determinedby several factors.
IMPORTANT QUESTIONS TO ASK A MERCHANT SERVICES PROVIDERWHAT EQUIPMENT IS INCLUDED?DON’T FOCUS JUST ON THE PROCESSING PRICES, BUT ON THE EQUIPMENT INCLUDED FOR THE PRICES. IS ANY EQUIPMENT INCLUDED? IF SO, WHICH EQUIPMENT AND WHAT...WHAT ARE THE TERMS OF THE CONTRACT?KNOW THE CONTRACT TERMS. ARE YOU LOCKED INTO A CONTRACT, OR IS IT A MONTH-TO-MONTH SUBSCRIPTION? IF IT’S A LONG-TERM CONTRACT, ASK ABOUT THE CANCEL...DO YOU OFFER CHIP CARD PROCESSING?TODAY MOST CONSUMERS WANT TO USE A CHIP (EMV) CARD VERSUS MAGNETIC STRIPE CARDS. THIS REQUIRES SPECIFIC EQUIPMENT AND NOT ALL PROCESSORS OFFER IT,...HOW DO YOU PROTECT THE MERCHANT AND CUSTOMER’S PRIVACY?SECURITY IS A BIG ISSUE WITH CREDIT CARD PROCESSING. NOT ONLY ARE CUSTOMERS AT RISK OF HAVING THEIR PAYMENT INFORMATION OR IDENTITY STOLEN, BUT MER...WHAT ARE THE TRUE PROCESSING FEES?MANY MERCHANT SERVICES PROVIDERS OFFER INTRODUCTORY RATES TO LURE YOU IN. ONCE YOU’RE A CUSTOMER FOR A WHILE (A FEW MONTHS), YOUR TRUE RATE APPEARS...WHAT ARE THE CUSTOMER SERVICE OPTIONS?YOU NEED CUSTOMER SERVICE FROM A MERCHANT SERVICES PROVIDER JUST LIKE YOUR CUSTOMERS NEED IT FROM YOU. IF YOUR CUSTOMER HAS A CREDIT CARD QUESTION,...DO I HAVE A DEDICATED SUPPORT SPECIALIST?DEALING WITH PAYMENT QUESTIONS AND PROBLEMS IS URGENT. DEALING WITH DIFFERENT PEOPLE IN EACH SITUATION CAN BE OVERWHELMING, ESPECIALLY IN THE TIMES...ARE YOUR PROCESSING SERVICES COMPATIBLE WITH MY CURRENT SETUP?IF YOU’RE AN EXISTING BUSINESS, YOU MAY NOT WANT TO CHANGE YOUR EQUIPMENT OR E-COMMERCE SETUP. KNOW WHAT YOU HAVE AND WHAT YOU NEED TO MAKE SURE TH...HOW TRANSPARENT ARE THE REPORTS?FIGURING OUT YOUR PAYMENT PROCESSING FEES AT THE END OF THE MONTH CAN SEEM 100 TIMES WORSE THAN LEARNING TO BALANCE A CHECKBOOK. IF YOU CAN’T UNDER...WILL MY RATES INCREASE IF SALES INCREASE?CREDIT CARD PROCESSING COMPANIES USUALLY CHARGE FEES BASED ON YOUR SALES VOLUME. THE MORE SALES YOU DO, THE MORE YOUR RATES MAY INCREASE, WITH SOME... The credit card industry doesn’t have the most solid reputation, but there are many good ‘eggs’ in the basket. You just have to know what questions to ask so you can find the right merchant servicesprovider.
THE BEST CLOVER POINT OF SALE APPS FOR RESTAURANTS The Clover point of sale system is made for restaurants with the Clover Dining feature built into the system. A robust POS, the Clover restaurant point of sale empowers restaurateurs to manage all aspects of the business from one system. Plus, there’s an TRAVEL AGENCY MERCHANT ACCOUNT Travel Agency Merchant Services. Our work at Host Merchant Services is about ensuring you’ll receive the help you need in planning and establishing a travel agency merchant account. Take note of what we’ll provide: We offer sensible rates for your travel agency. Our LOGIN - HOST MERCHANT SERVICES Account Login. Sign In to your account. Remember me. Sign In HOW SELF-SERVICE RETAIL HAS ADVANCED AND HELPED CONSUMERS Self-service kiosks and other devices have become a commonplace at many retail sites over the years. From kiosks at fast food restaurants that accept orders to self-checkout aisles at grocery stores, self-service retail has never been more visible than now. LARGE TICKET PROGRAM Large Ticket Program Special Rates for Large Transactions The Large Ticket Program is a specially designed program for merchants who accept high dollar transactions on credit or debit cards. Visa, MasterCard, and Discover all have their own Large Ticket Programs with different Interchange rates and requirements for merchants.Visa’sLarge Ticket
A COMPLETE GUIDE TO MERCHANT CATEGORY CODES The banks that issue the cards don’t assign the codes and have no control over them, so it doesn’t help to ask your bank what code they’ll assign you. There are literally hundreds of MCCs, but some of the most common include: 5411 – Grocery stores. 5541 – Service stations. 5812 – Restaurants. 5942 – GOOGLE PAY ADDS GROCERY AND TRANSIT SERVICE DEALS Google Pay is already a popular mobile payment system, as it supports wireless payments on various Android-enabled devices. It is flexible enough to work on any Android-powered tablet, phone, or watch. It uses a secure approach to paying that can link to a credit card or anotherpayment source.
BANKS USE OF AI TO MANAGE CREDIT RISK TRIPLED IN THE LAST Banks are using artificial intelligence or AI more than ever to interact with customers. Banks can use AI to produce chatbots that let banks interact with people at any time. They can also use AI to identify fraud and other potential threats. It can even work for mobile banking purposes, as banks can help customers send money to other accounts based on signals and reports they receive. CURRENT US INTERCHANGE RATES Current US Interchange Rates The term “Interchange rate” refers to the fees charged by the card companies for use of their cards. These card companies include Visa, Mastercard, AMEX, Discover. Interchange rates change twice a year – in April and October. Payment processing companies make money by putting a markup on top HOW DOES AN EMV TRANSACTION WORK? (STEPS OF AN EMV The chip and transaction are confirmed. An EMV certificate will work in this process. The card chip sends a public key to the terminal. The terminal then reviews the key to confirm the chip data. The transfer of data allows the card chip to work as necessary. The cardholder will verify one’s identity. The cardholder still needs to confirm one CASH DISCOUNT MERCHANT SERVICES VS. SURCHARGING The cost of that coffee when paying by credit card is $5.20. The difference between the two is that customers pay less than the price posted in-store with cash discounting. With surcharging, customers pay more than the price posted. Different processors may use other terms, fee reversal, service charge, etc. The bottom line is, if merchantsare
LOGIN - HOST MERCHANT SERVICES Account Login. Sign In to your account. Remember me. Sign In A COMPLETE GUIDE TO MERCHANT CATEGORY CODES The banks that issue the cards don’t assign the codes and have no control over them, so it doesn’t help to ask your bank what code they’ll assign you. There are literally hundreds of MCCs, but some of the most common include: 5411 – Grocery stores. 5541 – Service stations. 5812 – Restaurants. 5942 – Book stores. QUICKBOOKS DESKTOP SOFTWARE BEING PHASED OUT INTERCHANGE FEES INCREASING IN APRIL 2021 Interchange Fees Increases Delayed Until April 2022. March 19, 2021. Big changes for interchange fees were on the horizon for both MasterCard and Visa. However, facing some federal scrutiny and recognizing the the US economic recovery is at a fragile stage, both companies decided to delay these increases until April 2022. CURRENT SBA LOAN RATES AND PROGRAMS IN 2021 There are numerous loan programs that the Small Business Administration (SBA) works with lenders to provide to small enterprises. Although SBA itself does not lend money to businesses, the agency guarantees 75%-85% of the principal amount on various loan programs. Thereby reducing the risk borne by its lending partners, micro-lending institutions, and community development organizationsand
IMPORTANT QUESTIONS TO ASK A MERCHANT SERVICES PROVIDER The credit card industry doesn’t have the most solid reputation, but there are many good ‘eggs’ in the basket. You just have to know what questions to ask so you can find the right merchant servicesprovider.
EMV CARD AUTHENTICATION: OFFLINE (SDA) Offline static data authentication (SDA) card authentication is a protocol for verifying that an EMV card is legitimate. Offline card authentication is performed without an internet connection. EMV cards are pre-loaded with digitally-signed certificates and keys. Terminals have complementary keys provided by accepted payment brands at the time of terminal configuration. AMERICAN EXPRESS ACCEPTANCE IS INCREASING American Express Acceptance is Increasing. September 23, 2020. Overcoming the impression that American Express acceptance is rare among merchants, especially compared to Visa and MasterCard, the credit card company is in the middle of a five-year campaign to increase acceptance at merchants across the globe. From increasedfraud protection to
THE BEST CLOVER POINT OF SALE APPS FOR RESTAURANTS The Clover point of sale system is made for restaurants with the Clover Dining feature built into the system. A robust POS, the Clover restaurant point of sale empowers restaurateurs to manage all aspects of the business from one system. Plus, there’s an THE ERR PRICING TRAP In recent weeks I have personally spoken with numerous merchants who want to try and understand their monthly statement better. It seems like some providers of credit card processing have come up with a game: “confuse the merchant”. Different LOGIN - HOST MERCHANT SERVICES Account Login. Sign In to your account. Remember me. Sign In A COMPLETE GUIDE TO MERCHANT CATEGORY CODES The banks that issue the cards don’t assign the codes and have no control over them, so it doesn’t help to ask your bank what code they’ll assign you. There are literally hundreds of MCCs, but some of the most common include: 5411 – Grocery stores. 5541 – Service stations. 5812 – Restaurants. 5942 – Book stores. QUICKBOOKS DESKTOP SOFTWARE BEING PHASED OUT INTERCHANGE FEES INCREASING IN APRIL 2021 Interchange Fees Increases Delayed Until April 2022. March 19, 2021. Big changes for interchange fees were on the horizon for both MasterCard and Visa. However, facing some federal scrutiny and recognizing the the US economic recovery is at a fragile stage, both companies decided to delay these increases until April 2022. CURRENT SBA LOAN RATES AND PROGRAMS IN 2021 There are numerous loan programs that the Small Business Administration (SBA) works with lenders to provide to small enterprises. Although SBA itself does not lend money to businesses, the agency guarantees 75%-85% of the principal amount on various loan programs. Thereby reducing the risk borne by its lending partners, micro-lending institutions, and community development organizationsand
IMPORTANT QUESTIONS TO ASK A MERCHANT SERVICES PROVIDER The credit card industry doesn’t have the most solid reputation, but there are many good ‘eggs’ in the basket. You just have to know what questions to ask so you can find the right merchant servicesprovider.
EMV CARD AUTHENTICATION: OFFLINE (SDA) Offline static data authentication (SDA) card authentication is a protocol for verifying that an EMV card is legitimate. Offline card authentication is performed without an internet connection. EMV cards are pre-loaded with digitally-signed certificates and keys. Terminals have complementary keys provided by accepted payment brands at the time of terminal configuration. AMERICAN EXPRESS ACCEPTANCE IS INCREASING American Express Acceptance is Increasing. September 23, 2020. Overcoming the impression that American Express acceptance is rare among merchants, especially compared to Visa and MasterCard, the credit card company is in the middle of a five-year campaign to increase acceptance at merchants across the globe. From increasedfraud protection to
THE BEST CLOVER POINT OF SALE APPS FOR RESTAURANTS The Clover point of sale system is made for restaurants with the Clover Dining feature built into the system. A robust POS, the Clover restaurant point of sale empowers restaurateurs to manage all aspects of the business from one system. Plus, there’s an THE ERR PRICING TRAP In recent weeks I have personally spoken with numerous merchants who want to try and understand their monthly statement better. It seems like some providers of credit card processing have come up with a game: “confuse the merchant”. Different HOST MERCHANT SERVICES: CREDIT CARD PROCESSING “Host Merchant Services has been an excellent partner for enabling credit card processing services in our gym software. They are a great fit because, in addition to providing technical support for our software integration, they match our focus of providing excellent customer service and cost savings for the gyms that use our software.” – Mike Spencer, RX Gym Software LOGIN - HOST MERCHANT SERVICES Account Login. Sign In to your account. Remember me. Sign In GOOGLE PAY ADDS GROCERY AND TRANSIT SERVICE DEALS Google Pay is already a popular mobile payment system, as it supports wireless payments on various Android-enabled devices. It is flexible enough to work on any Android-powered tablet, phone, or watch. It uses a secure approach to paying that can link to a credit card or anotherpayment source.
BANKS USE OF AI TO MANAGE CREDIT RISK TRIPLED IN THE LAST Banks are using artificial intelligence or AI more than ever to interact with customers. Banks can use AI to produce chatbots that let banks interact with people at any time. They can also use AI to identify fraud and other potential threats. It can even work for mobile banking purposes, as banks can help customers send money to other accounts based on signals and reports they receive. BONSAI POINT OF SALE Bonsai Point of Sale Cutting Edge POS Systems Lifetime warranty on all hardware EMV, contactless (NFC), and magstripe Equipped Features Bonsai Point-of-Sale operating system Includes Bonsai Restaurant Analytics app Cloud-based POS system- access from anywhere Smart software easily customized to your needs Intuitive updated interface Optimized sales analytics dashboard Free AUTO MECHANIC PAYMENT PROCESSING Automotive Business Merchant Accounts At Host Merchant Services, we are experts in payment processing for automotive-related fields. We supply merchant accounts to service, repair, and custom shops big and small. We guarantee the lowest rates, the best software available, and free equipment tailored to improving performance and customersatisfaction.
AVERAGE FEES FOR CREDIT CARD PROCESSING There is a litany of factors that impact the average fees for credit card processing. What merchants pay in processing fees is determinedby several factors.
TIPS FOR ENTREPRENEURS RUNNING A LIQUOR STORE Liquor stores are one type of business that continues doing well throughout the pandemic. It’s a source of relief and excitement for people and if you can serve what they want, you’ll do big business. Running a liquor store means more than stocking some liquor and throwing up a business CASH DISCOUNT MERCHANT SERVICES VS. SURCHARGING The cost of that coffee when paying by credit card is $5.20. The difference between the two is that customers pay less than the price posted in-store with cash discounting. With surcharging, customers pay more than the price posted. Different processors may use other terms, fee reversal, service charge, etc. The bottom line is, if merchantsare
WHAT IS A MERCHANT CATEGORY CODE (MCC)? A merchant category code (MCC) is a 4 digit number used to classify businesses by the type of goods and services they offer. The MCC is the main category in which the merchant does business. Some businesses might have more than one appropriate MCC, but the primary one isusually
HOST MERCHANT SERVICES: CREDIT CARD PROCESSINGMERCHANT SERVICESINFOGET STARTEDPAYMENT PROCESSINGCREDIT CARD MACHINESPOINT OF SALE “Host Merchant Services has been an excellent partner for enabling credit card processing services in our gym software. They are a great fit because, in addition to providing technical support for our software integration, they match our focus of providing excellent customer service and cost savings for the gyms that use our software.” – Mike Spencer, RX Gym Software LOGIN - HOST MERCHANT SERVICES Account Login. Sign In to your account. Remember me. Sign In B2B PAYMENTS FIRM AVIDXCHANGE IPO COULD VALUE THE COMPANY AvidXchange is now looking to establish an initial public offering or IPO. Reuters reports that the IPO could give the company a valuation of up to $7 billion. AvidXchange is working with many prominent entities to prepare its IPO. It is working with Goldman Sachs, Bank of America, Barclays, and JPMorgan Chase to get its IPO ready. CURRENT US INTERCHANGE RATES Current US Interchange Rates The term “Interchange rate” refers to the fees charged by the card companies for use of their cards. These card companies include Visa, Mastercard, AMEX, Discover. Interchange rates change twice a year – in April and October. Payment processing companies make money by putting a markup on top A COMPLETE GUIDE TO MERCHANT CATEGORY CODES The banks that issue the cards don’t assign the codes and have no control over them, so it doesn’t help to ask your bank what code they’ll assign you. There are literally hundreds of MCCs, but some of the most common include: 5411 – Grocery stores. 5541 – Service stations. 5812 – Restaurants. 5942 – CAYAN CHARGES PCI NON-COMPLIANCE FEE Cayan Charges PCI Non-Compliance Fee Cayan processing, one of the largest payment processors in the country, has just informed its customers that they will be charged a $125 PCI non-compliance fee in March 2020 if they are not PCI compliant. The fee is not one-time but monthly. This means customers CASH DISCOUNT MERCHANT SERVICES VS. SURCHARGING The cost of that coffee when paying by credit card is $5.20. The difference between the two is that customers pay less than the price posted in-store with cash discounting. With surcharging, customers pay more than the price posted. Different processors may use other terms, fee reversal, service charge, etc. The bottom line is, if merchantsare
QUICKBOOKS DESKTOP SOFTWARE BEING PHASED OUT EMV CARD AUTHENTICATION: OFFLINE (SDA) Offline static data authentication (SDA) card authentication is a protocol for verifying that an EMV card is legitimate. Offline card authentication is performed without an internet connection. EMV cards are pre-loaded with digitally-signed certificates and keys. Terminals have complementary keys provided by accepted payment brands at the time of terminal configuration. WHAT IS THE MISUSED AUTHORIZATION FEE? The major credit card networks — Visa, MasterCard, Discover and American Express — join together to set the fees for Interchange. As part of this process, every six months they review those fees and adjust them as needed. One of the fees that Visa has is the Misused Authorization Fee. On HOST MERCHANT SERVICES: CREDIT CARD PROCESSINGMERCHANT SERVICESINFOGET STARTEDPAYMENT PROCESSINGCREDIT CARD MACHINESPOINT OF SALE “Host Merchant Services has been an excellent partner for enabling credit card processing services in our gym software. They are a great fit because, in addition to providing technical support for our software integration, they match our focus of providing excellent customer service and cost savings for the gyms that use our software.” – Mike Spencer, RX Gym Software LOGIN - HOST MERCHANT SERVICES Account Login. Sign In to your account. Remember me. Sign In B2B PAYMENTS FIRM AVIDXCHANGE IPO COULD VALUE THE COMPANY AvidXchange is now looking to establish an initial public offering or IPO. Reuters reports that the IPO could give the company a valuation of up to $7 billion. AvidXchange is working with many prominent entities to prepare its IPO. It is working with Goldman Sachs, Bank of America, Barclays, and JPMorgan Chase to get its IPO ready. CURRENT US INTERCHANGE RATES Current US Interchange Rates The term “Interchange rate” refers to the fees charged by the card companies for use of their cards. These card companies include Visa, Mastercard, AMEX, Discover. Interchange rates change twice a year – in April and October. Payment processing companies make money by putting a markup on top A COMPLETE GUIDE TO MERCHANT CATEGORY CODES The banks that issue the cards don’t assign the codes and have no control over them, so it doesn’t help to ask your bank what code they’ll assign you. There are literally hundreds of MCCs, but some of the most common include: 5411 – Grocery stores. 5541 – Service stations. 5812 – Restaurants. 5942 – CAYAN CHARGES PCI NON-COMPLIANCE FEE Cayan Charges PCI Non-Compliance Fee Cayan processing, one of the largest payment processors in the country, has just informed its customers that they will be charged a $125 PCI non-compliance fee in March 2020 if they are not PCI compliant. The fee is not one-time but monthly. This means customers CASH DISCOUNT MERCHANT SERVICES VS. SURCHARGING The cost of that coffee when paying by credit card is $5.20. The difference between the two is that customers pay less than the price posted in-store with cash discounting. With surcharging, customers pay more than the price posted. Different processors may use other terms, fee reversal, service charge, etc. The bottom line is, if merchantsare
QUICKBOOKS DESKTOP SOFTWARE BEING PHASED OUT EMV CARD AUTHENTICATION: OFFLINE (SDA) Offline static data authentication (SDA) card authentication is a protocol for verifying that an EMV card is legitimate. Offline card authentication is performed without an internet connection. EMV cards are pre-loaded with digitally-signed certificates and keys. Terminals have complementary keys provided by accepted payment brands at the time of terminal configuration. WHAT IS THE MISUSED AUTHORIZATION FEE? The major credit card networks — Visa, MasterCard, Discover and American Express — join together to set the fees for Interchange. As part of this process, every six months they review those fees and adjust them as needed. One of the fees that Visa has is the Misused Authorization Fee. On LOGIN - HOST MERCHANT SERVICES Account Login. Sign In to your account. Remember me. Sign In TRAVEL AGENCY MERCHANT ACCOUNT Travel Agency Merchant Services. Our work at Host Merchant Services is about ensuring you’ll receive the help you need in planning and establishing a travel agency merchant account. Take note of what we’ll provide: We offer sensible rates for your travel agency. Our RESTAURANT MERCHANT SERVICE ACCOUNTS Restaurant Merchant Service Accounts Anyone who operates a restaurant knows there’s always something to deal with. The last thing you need to worry about is payment processing. Reliability and security are paramount. Host Merchant Services has vast experience working with restaurants to develop the best payment processing solutionsavailable.
GOOGLE PAY ADDS GROCERY AND TRANSIT SERVICE DEALS Google Pay is already a popular mobile payment system, as it supports wireless payments on various Android-enabled devices. It is flexible enough to work on any Android-powered tablet, phone, or watch. It uses a secure approach to paying that can link to a credit card or anotherpayment source.
BANKS USE OF AI TO MANAGE CREDIT RISK TRIPLED IN THE LAST Banks are using artificial intelligence or AI more than ever to interact with customers. Banks can use AI to produce chatbots that let banks interact with people at any time. They can also use AI to identify fraud and other potential threats. It can even work for mobile banking purposes, as banks can help customers send money to other accounts based on signals and reports they receive. CAYAN CHARGES PCI NON-COMPLIANCE FEE Cayan Charges PCI Non-Compliance Fee Cayan processing, one of the largest payment processors in the country, has just informed its customers that they will be charged a $125 PCI non-compliance fee in March 2020 if they are not PCI compliant. The fee is not one-time but monthly. This means customers WHAT IS THE GOLDEN CIRCLE AND WHY DOES IT MATTER? To understand the importance of the Golden Circle in your business, let’s go back to Apple’s strategies. Apple’s “Why”: We believe in “thinking differently” and “challenging the status quo” in everything we do. Apple’s “How”: Our products are designed beautifully and are quite simple to use. Apple’s“What”: “We
AMERICAN EXPRESS ACCEPTANCE IS INCREASING American Express Acceptance is Increasing. September 23, 2020. Overcoming the impression that American Express acceptance is rare among merchants, especially compared to Visa and MasterCard, the credit card company is in the middle of a five-year campaign to increase acceptance at merchants across the globe. From increasedfraud protection to
EMV CARD AUTHENTICATION: OFFLINE (SDA) Offline static data authentication (SDA) card authentication is a protocol for verifying that an EMV card is legitimate. Offline card authentication is performed without an internet connection. EMV cards are pre-loaded with digitally-signed certificates and keys. Terminals have complementary keys provided by accepted payment brands at the time of terminal configuration. IMPORTANT QUESTIONS TO ASK A MERCHANT SERVICES PROVIDER The credit card industry doesn’t have the most solid reputation, but there are many good ‘eggs’ in the basket. You just have to know what questions to ask so you can find the right merchant servicesprovider.
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* Sales Tools
* Management Tools
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* Supported Payment Gateways and Point of Sale * International Merchants * Ecommerce Payment Integration * About Site Inspections*
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Why Choose HMS?
FOUNDED ON FANTASTIC SERVICE Host Merchant Services was founded in 2008 and was structured around a strong backbone of customer service. 11 years and thousands of happy merchants later, customer service is still our number one priority. In fact, our merchant support team is 4x larger than our sales team! We don’t believe in hold queues either, so you’ll never have to wait in line. When you’re with Host you’ll get first-class treatment! 95% OF CALLS ANSWERED IN 3 RINGS OR LESS Test Us! (877) 517-4678 MERCHANT SERVICES MADE FOR BUSINESSES LIKE YOURS WE PROVIDE BUSINESSES OF ALL TYPES WITH PAYMENT PROCESSING AND POINT OF SALE SYSTEMS. WE USE STRAIGHTFORWARD PRICING, NO CONTRACTS OR OBLIGATIONS, AND FANTASTIC CUSTOMER SERVICE MAKING US LAST MERCHANT SERVICES COMPANY YOU WILL EVER WANT.* __
NO TERM COMMITMENT
Our excellent customer service and low rates retain customers, not our contracts. Cancel anytime free of charge.* __
24X7X365 CUSTOMER SERVICE We are always here for you with access to industry leading customer service 24 hours a day – 7 days a week – 365 days a year.* __
PAYMENT PROCESSING
Accept all credit and debit cards at your business with the lowest transaction rates on the market with your Host Merchant account.* __
NO UP FRONT OR HIDDEN FEES No application, no setup fees, and no hidden charges.* __
LIFETIME RATES
Experience the freedom of locked in rates that will not increase overtime.
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POINT OF SALE
We offer state of the art POS systems for every type of business. From retail to restaurants and everything in-between.* __
LOWEST RATE GUARANTEE We are so confident our rates are the lowest that we’ll give you a $50 gift card if we can’t save you money.* __
FREE EQUIPMENT PROGRAM Qualify for a free EMV compliant mobile swiper or terminal with amerchant account.
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BUSINESS TOOLS
Get more for your business with Host Merchant Business Solutions – from websites and email to customer analytics and more. MERCHANT SERVICES CUSTOMIZED FOR BUSINESSPAYMENT PROCESSING
GET THE SOLUTION THAT FITS YOUR BUSINESS We have payments systems for all business types. Get a system customized to your needs with full confidence that it will be perfect for your business. We guarantee that you will spend less and be happier with your service than with anyone else. Go ahead and select a processing type below for more info -or- submit the “quick form” and a payment specialist will reach out to answer any questions and help you get set up.RETAIL PROCESSING
Simple low cost in-person credit/debit card processing with or withouta POS.
Retail
RESTAURANT PROCESSING Restaurant processing through a POS, terminal, or mobile device.Restaurant
ECOMMERCE PROCESSING Accept credit and depit card payments on your online store.eCommerce
MOBILE PROCESSING
Process anywhere, with or without service on a plethora of devices.Mobile
TOP-RATED MERCHANT SERVICES OUR MERCHANTS LOVE US AND IT SHOWS. WE ARE TOP RATED IN THE BETTER BUSINESS BUREAU, CONSUMER AFFAIRS, AND CARD PAYMENT OPTIONS. OUR #1 PRIORITY IS MERCHANT SATISFACTION. Read customer testimonials here. GET YOUR FREE MERCHANT SERVICES ACCOUNT REVIEW AND QUOTE! Click Here to Get Started__ OR CALL US! 877-517-HOST (4678) INTEGRATE PAYMENT PROCESSING INTO YOUR SOFTWARE So, you’ve created an app but need payment processing for your app users… You’ve come to the right place! We offer custom direct integrations into all types of software on all platforms whether it’s made for Windows, Mac, web-based, or for Android or IOS apps.GET STARTED NOW!
EXCELLENCE IN SERVICE INTEGRATED CUSTOM SOLUTIONS“Host
Merchant Services has been an EXCELLENT PARTNER for enabling credit card processing services in our gym software. They are a great fit because, in addition to providing technical support for our software integration, they match our focus of PROVIDING EXCELLENT CUSTOMER SERVICE and cost savings for the gyms that use our software.” – Mike Spencer, RX Gym Software MERCHANT SERVICES AND CREDIT CARD PROCESSING NEWS SLUGGISH HOLIDAY SALES FOR KOHLS DESPITE HELP FROM AMAZON * __On January 16, 2020 SPEED OPTIMIZATION AT THE POINT OF SALE * __On January 15, 2020 CFPB FILES LAWSUITS AGAINST STUDENT LOAN DEBT RELIEF FIRMS * __On January 14, 2020 STILL NOT SURE? GIVE US A CALL. YOU’LL HAVE A REAL LIVE PERSON ONTHE PHONE QUICKLY!
(877) 517-4678
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PRODUCTS & SERVICES
* Payment Processing * Bonsai Point of Sale * EMV Credit Card Machines * Merchant Cash Advance * Gift & Loyalty CardsFOLLOW HMS!
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PARTNER PROGRAM
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2019
Host Merchant Services Host Merchant Services is a registered ISO of Wells Fargo Bank, N.A.,Concord, CA
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