Convert, Edit, Or Compose Bitmap Images @ ImageMagick #convert, #edit, #or, #compose, #bitmap, #images, #imagemagick, #perlmagick, #image #processing, #image, #photo, #software, #magick++, #openmp, #convert


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Use ImageMagick to create, edit, compose, or convert bitmap images. It can read and write images in a variety of formats (over 200) including PNG, JPEG, JPEG-2000, GIF, TIFF, DPX. EXR. WebP, Postscript, PDF, and SVG. Use ImageMagick to resize, flip, mirror, rotate, distort, shear and transform images, adjust image colors, apply various special effects, or draw text, lines, polygons, ellipses and Bézier curves.

ImageMagick utilizes multiple computational threads to increase performance and can read, process, or write mega-, giga-, or tera-pixel image sizes.

ImageMagick is free software delivered as a ready-to-run binary distribution or as source code that you may use, copy, modify, and distribute in both open and proprietary applications. It is distributed under the Apache 2.0 license .

The ImageMagick development process ensures a stable API and ABI. Before each ImageMagick release, we perform a comprehensive security assessment that includes memory error and thread data race detection to help prevent security vulnerabilities.

The current release is ImageMagick 7.0.6-9. It runs on Linux. Windows. Mac Os X. iOS. Android OS, and others.

The authoritative ImageMagick web site is https://www.imagemagick.org. The authoritative source code repository is https://github.com/ImageMagick. We maintain a source code mirror at https://gitlab.com/ImageMagick .

We continue to maintain the legacy release of ImageMagick, version 6, at https://legacy.imagemagick.org .

Features and Capabilities

Here are just a few examples of what ImageMagick can do for you:

convenient access to pixels outside the image region.

Examples of ImageMagick Usage shows how to use ImageMagick from the command-line to accomplish any of these tasks and much more. Also, see Fred’s ImageMagick Scripts. a plethora of command-line scripts that perform geometric transforms, blurs, sharpens, edging, noise removal, and color manipulations. With Magick.NET. use ImageMagick without having to install ImageMagick on your server or desktop.

News

Now that ImageMagick version 7 is released, we continue to maintain the legacy release of ImageMagick, version 6, at https://legacy.imagemagick.org. Learn how ImageMagick version 7 differs from previous versions with our porting guide .

ImageMagick best practices strongly encourages you to configure a security policy that suits your local environment.

Community

To join the ImageMagick community, try the discourse server. You can review questions or comments (with informed responses) posed by ImageMagick users or ask your own questions. If you want to contribute image processing algorithms, other enhancements, or bug fixes, open an issue.

© 1999-2017 ImageMagick Studio LLC


Bachelor of Science in Human Physiology #pre-med, #medicine, #biomedical, #medical, #health, #healthcare, #research, #internship, #study #abroad, #abroad, #exercise, #exercise #physiology, #cardiopulmonary, #pathophysiology, #physiology, #anatomy, #anatomical, #neuroscience, #neuroanatomy, #neurophysiology, #neurobiology, #muscle #biology, #muscle #physiology, #human #physiology, #human #anatomy, #biomedical #science, #nutrition, #cellular #and #molecular, #physiology, #cytoskeletal #biology, #cytoskeletal #signaling, #protein-protein #interactions, #apoptosis, #cognition, #neural #information #processing, #neurodegenerative #disease, #cardiovascular #disease, #muscular #dystrophy, #helen #barbas, #jason #bohland, #sweta #girgenrath, #susan #kandarian, #kathleen #morgan, #judith #schotland


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Bachelor of Science in Human Physiology

Program Director:

Want a head start on medical school? Our BS in Human Physiology program has the premedical courses already built in. With its focus on human biology and additional coursework in anatomy and physiology, it s an excellent alternative to a traditional biology degree for anyone seeking a career in medicine. Graduates who go on to medical school find their extra knowledge of anatomy and physiology gives them a big advantage from the start. The program is also ideal for other health care professions, from dentistry to biotechnology.

Want practical experience? You ll have a wealth of opportunities. Many Health Sciences faculty members hold joint appointments with the BU School of Medicine, Colleges of Arts Sciences, or College of Engineering. So, our students have access not only to our own research and clinical education centers. but also to other research programs in highly specialized areas.

Want to learn by doing and not just watching? You will during your senior year internship or practicum, a semester-long placement at a site of your choice. Our approach is active, involving, and more like a graduate-level clinical program. We also have an array of volunteer opportunities available throughout the Boston area.

Why choose Human Physiology over more traditional majors like biology? With its focus on the study of human function, a major in Human Physiology is an alternative to the traditional biology degree, expanding on the basic premedical requirements with additional classes such as gross human anatomy, exercise physiology, neuroanatomy neurophysiology, and cardiopulmonary pathophysiology. Rich resources are available to our students for their required senior year clinical internship, and breadth of academic preparation is insured by elective distribution requirements in the humanities and social sciences.

Want depth as well as breadth? Besides getting a broad science and health background, you ll learn to analyze specific functions of the human body in a variety of research and clinical settings. During your junior and senior years, you ll take advanced courses—exercise physiology, gross anatomy, and neuroscience, to name a few. Concentrate in specific areas with popular electives like muscle biology and neural systems. And round out your education with other electives from the social sciences, humanities, and any other BU departments you like.

Combined BS/MS in Human Physiology Program

After completing two years of undergraduate study, students can apply for our accelerated Bachelor of Science/Master of Human Physiology (4+1) program. By earning both degrees in five years of full-time study, you can get an early start on a career in research and a great foundation for doctoral-level studies.

The MS in Human Physiology allows you to design a curriculum based on your own academic background, professional experience, and career objectives. Working with a faculty advisor, you ll select the course of study that s right for you with virtually unlimited options for research and specialized study.


International Visa Service – Same day service for visas, passports and other travel documents, located in Atlanta, Georgia #travel #visa, #passport, #u.s., #same #day #service, #document #processing, #visalady, #forms, #atlanta, #sandy #springs, #georgia, #travel #documents, #foreign, #emergency #service, #authentications, #legalizations, #police #clearence #records, #certified #birth #certificates, #civil #records, #apostilles, #photographs, #court #documents, #research #visa #requirements, #translations, #state #department #travel #forms, #24 #hour #service


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Welcome to International Visa Service

Serving Clients
and Documentation Needs Worldwide

International Visa Service provides QUICK SERVICE for documentation from all over the world. This service is efficient and cost effective. Your document problem and its solution is our business .

Services are available in all 50 States. Additional business days may be required in Alaska and Hawaii due to logistics. All Documents are hand-carried by a representative of International Visa Service. If English is not your first language, our staff speaks several languages including Spanish, French, Arabic, Farsi, Greek—just to name a few.

International Visa Service, Inc. is registered, but not affiliated, with the US Department of State and US Passport Services. We are a privately owned company that has been in business since 1976. We charge an additional fee to expedite your passport in 1-10 days.

If you are not in a time crunch, you can obtain a passport directly from the U.S. Department of State in roughly 4-6 weeks, with no additional fee. Please feel free to visit your local post office or the official U.S. Department of State website if you do not require your passport in an expedited time frame. To contact foreign embassies, click here for .PDF list with embassy contact information.

International Visa Service offers emergency same day service, seven days a week for clients who can demonstrate a real emergency. Normal Service is from 24 hours to 10 business days.

Services are available in the 48 States. Additional business days may be required in Alaska and Hawaii due to logistics. All Documents are hand-carried by a representative of International Visa Service. If English is not your first language, our staff speaks several languages including Spanish, French, Arabic, Farsi, Greek—just to name a few.

We Are Ready To Serve You

Visit Our Sandy Springs, Georgia Location

Monday-Friday 8:30 a.m. to 5:00 p.m. We are closed on Saturday during the winter and we are closed on Sunday. While we wish to help every customer with their passport needs, first time and children passport applicants must arrive BEFORE 3:00 PM. We must have two hours before our office closes in order for us to have time to process your paperwork. We are open for pick ups only after 4:00 p.m.

Hartsfield Jackson International Airport, Atlanta, Georgia

The office at Hartsfield Jackson International Airport has been closed.

Do You Need a
Business or Tourist Visa?

Find the Business or Tourist travel requirements for the country you are traveling to using the country selection list below. NOTE: Your web browser must have popups enabled in order for the requirements to be seen. Be sure to contact our office to confirm your visa requirements as visa requirements are subject to change as our website requirements system may not have the latest information.

Business Visa
Requirements Search

Tourist Visa
Requirements Search

WARNING

A major warning is in the front of your passport: “BEFORE YOU TRAVEL ABROAD” In this section there is a warning concerning insurance. “Medical Costs abroad can be extremely expensive! [ Read More ]

Copyright 2000-2015 by T.I.S. Inc. All rights reserved.

No part of this website may be reproduced without written permission by T.I.S. Inc.


Merchant Accounts for Small Business, Credit Card Payment Processing, small business payment processing.#Small #business #payment #processing


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MERCHANT ACCOUNT FOR SMALL BUSINESS

February 9, 2017 by goldpro

MERCHANT ACCOUNT FOR SMALL BUSINESS

Small business payment processing

SOLUTIONS

INDUSTRIES

Small business payment processing

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Your Small Business Will Prosper With Merchant Services LTD

No matter where you are working from, Merchant Service LTD has the right products to outfit your small business. We are professionals at developing tailor-made payment processing solutions to fit the exact demands of your business. Small business merchant accounts, electronic billing, account management, and e-commerce payment gateways allow your business to access the online platform, simplifying the payment process and providing convenient payment methods for your customers. With 24/7 customer support, you can rest easy that any problem can be solved.

Here at Merchant Services LTD, we want your small business to thrive. With our credit card processing solutions you can operate efficiently and securely. With more simple checkouts to mobile and wireless transactions, we have the answer.

All of our devices are PCI compliant to protect both you and your customers. Merchant Services has partnered with premium PCI compliance firms to ensure that, no matter your platform, you will be protected to the highest industry standard.

With our unique Chargeback Management Technology, we can help merchants actively manage their chargeback levels. This technology allows merchants account holders to review chargebacks before they happen, giving them far greater control of their outcome. This incredible tool helps merchants lower their processing costs, and allows them to maintain their chargebacks at manageable levels.

Concerned about cash flow?

We offer a Merchant Cash Advance. Many small businesses have difficulty finding those few extra dollars for their working capital needs. Bank loan dollars have seemingly dried up, and often times merchants don t have anywhere else to look. Buying that new equipment, expanding your franchise or growing your retail storefront should not be so difficult. Merchant Services LTD can provide access to Cash Advance Working Capital loans. We are stakeholders in the success of our merchants, so we do everything we can to facilitate it. You have worked hard to build your volume- let us put your processing dollars to work for you.

Depending on your business structure we feature a variety of equipment to meet your needs. From First Data FD410 Wireless terminal or the traditional terminal PaxS80, both systems deliver high-quality service.

The state-of-the-art Clover systems can be a match made in heaven when looking to custom design your business POS system. We are confident at Merchant Services LTD that your small business will surpass the competition with our premium payment processing solutions.


How to Choose a Credit Card Processing Company #credit #card #processing #loan


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How to Choose a Credit Card Processing Company

If your small business plans to accept debit and credit cards — whether in person, by phone or online — you’ll need to choose a credit card processing company to accept them. Although you’ll pay some upfront costs and ongoing credit card processing fees for doing so, going from a cash-only business to one that accepts credit and debit cards could lead to a big boost in sales.

A study by Intuit estimates that businesses that don’t accept credit cards miss out on approximately $7,000 in sales each year, while a 2013 survey by the Federal Reserve says the number of debit card payments increased more than any other payment type from 2009 to 2012. And as mobile payment options such as Apple Pay soar in popularity with younger shoppers, your small business might want to adopt new technologies to meet the needs of your customer base.

However, choosing a credit card payment processor is not a simple task. Just as with any major financial decision, it’s wise to carefully compare the pros and cons of each of your options before signing a contract. Here are five important factors to consider.

1. How much are the fees and other costs?

Credit card processing fees can be up to 5% on everything a company earns from its credit and debit card sales, according to the U.S. Small Business Administration. However, some companies might charge much less than others while offering the same products and level of service.

Here are some of the main credit card processing fees to look out for:

  • Interchange fees: This refers to a fee that is charged for every transaction you process, and it’s paid by the payment processor to the card-issuing bank. The rate you’ll pay for a transaction ultimately depends on several factors, including the type of card accepted (credit, debit or a rewards card), the type of transaction (if it’s done in store, by phone or online), and the size of each transaction (larger and fewer transactions result in lower fees). In-store transactions will cost you less in interchange fees, since the card is physically present, meaning there’s less risk of fraud.
  • Monthly statement fees: The credit card processing company might charge you monthly statement fees to cover the expense of mailing you a statement. It costs about $10 per month on average.
  • Application and setup fees: You may face a fee just for applying for the processing service. Setting up the equipment that’s necessary to accept credit cards may cost you extra, too. This fee can vary widely, depending on company.
  • Monthly minimum fee: This refers to a minimum amount in fees the processing company must collect in any one month. If you don’t meet or exceed this minimum amount, the processing company will charge you to meet the minimum. For example, the company’s monthly minimum fee may be $25; if your total credit card transaction fees one month are $20, the company will charge you $5 to make up the difference.
  • Monthly gateway access fee: Some processors may charge you this monthly fee for providing a payment gateway, which transmits transaction data from your processing system to the credit card companies. Monthly fees cost approximately $10 to $30.
  • Early termination fee: Some processors may charge you this fee for early cancellation of your contract. The fee can cost anywhere from a few hundred dollars to thousands.

As you can see, there are quite a few credit card processing fees your payments company may charge. It’s important to make sure you understand all the fees and service terms; if you have any questions or concerns, ask a company representative for an explanation. If they can’t provide you a detailed explanation on any costs or fees, it might be time to move on to the next processor.

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Practices

Employment and Labor

Security Clearance

Security clearances are an increasingly important requirement for federal government employees, employees of government contractors, military personnel and even private sector employees. Security clearance guidelines and standards over the past 10 years have changed, and the number of individuals who require access to sensitive or classified information has significantly increased. In addition, the federal government has required employees who already have security clearances to upgrade their security clearance levels. The process of obtaining, retaining and upgrading a security clearance over the last several years has become more complex due to the security concerns of the United States Government. Our firm serves as security clearance lawyers for individuals encountering difficulties or questions in the security clearance process. We belong to the Security Clearance Lawyers Association.

Security Clearance Application Process

All employees whose positions require access to sensitive information or restricted areas are required to complete an application form known as the Standard Form 86 Questionnaire for National Security Positions (SF-86) or Electronic Questionnaires for Investigations Processing (e-QIP ). Providing information in the SF-86 or e-QIP is voluntary; however, completing the form truthfully is critical to the process of successfully obtaining a security clearance. Once a security clearance application is completed, it is generally submitted to the Defense Security Service (DSS), the individual federal agency s security clearance review office, or the Office of Personnel Management (OPM) for a review and determination.

Public Trust/Suitability Investigations

Federal employment positions often include important duties that do not require a security clearance but are sensitive in nature. For instance, included in public trust positions are certain types of federal police officers, comptrollers, and public safety and health workers. These positions are referred to as public trust positions. They are subject to background investigations, which include a National Agency Check and Inquiries (NACI) review, and potential personal interview and reference checks.

Our law firm also represents and advises individuals in the related area of suitability and public trust positions, which derive from an individual s completion of the SF-85 (Questionnaire for Non-Sensitive Positions) and SF-85P (Questionnaire for Public Trust Positions).

Security Clearance Investigations

The U.S. Government conducts background investigations and reinvestigations of individuals under consideration for a security clearance or for the retention of their security clearance in national security positions. Applying for a security clearance requires an employee to undergo a comprehensive background investigation into all aspects of his or her personal and professional history. The investigation includes interviewing the applicant, checking state and federal criminal databases, and interviewing other persons. An employee’s full cooperation with all aspects of the investigation is a requirement in order for him or her to obtain a security clearance.

If a federal employee or government contractor employee’s initial application is denied, or his or her existing security clearance is revoked or suspended, he or she will be issued a Statement of Reasons (SOR) or will be provided a notice which outlines the reasons why the security clearance was not granted or continued. When the Defense Security Service (DSS), the individual s federal agency security office, or the Office of Personnel Management (OPM) denies an employee’s security clearance, there are procedures or provisions that allow the employee or government contractor employee to appeal the decision, such as a hearing (often referred to as a personal appearance) before the employing agency or the Defense Office of Hearings and Appeals (DOHA) to adjudicate his or her security clearance matter.

Federal employees have the right to appear in person before an administrative judge in a hearing (or other clearance adjudicator) and respond to the allegations in the SOR. Following such a hearing or personal appearance, the administrative judge or adjudicator will issue a recommended decision to the federal agency s personnel security appeals board (PSAB), which will issue the final determination on the federal employee s security clearance. Government contractor employees in DoD cases have the right to a hearing before a DOHA judge. In cases involving DoD government contractors, the administrative judge will issue the initial ruling as to whether the security clearance is granted. A contractor then has a right to appeal an adverse decision to the DOHA Appeal Board.

Intelligence Agency Security Clearance Holders

Our firm represents security clearance holders and applicants before federal intelligence agencies, governed by Intelligence Community Directive 703 and Intelligence Community Policy Guidance 704.2 such as the National Security Agency (NSA), Central Intelligency Agency (CIA), National Reconnaissance Office (NRO), National Geospatial-Intelligence Agency (NGA), the Defense Intelligence Agency (DIA) and others.

Berry Berry, PLLC are security clearance attorneys that handle federal employee and federal contractor security clearance and public trust matters throughout the United States.

Our experienced attorneys have assisted numerous federal government employees, military personnel, and government contractors in all stages of the security clearance process by providing legal advice or representation. In addition, our attorneys are familiar with the significant differences between individuals seeking security clearances for use as federal employees and individuals seeking security clearances for use as federal government contractors (i.e. industrial security clearances under Executive Order 10865 and Department of Defense Directive 5220.6).

Our attorneys can advise employees on areas of the SF-86, e-Qip or other related security clearance documentation that require additional care and attention. Our attorneys can also provide advice or guidance in the application, interview and polygraph processes for any security clearance levels such as the following:

  • Confidential, Secret or Top Secret
  • Sensitive Compartmented Information (SCI)
  • Special Access Programs (SAP)

If a security clearance is denied, our experienced attorneys can represent the employee through the appeal process before the DOHA, the DSS or the federal agency processing the clearance. It is important that an employee takes the appeal process very seriously as the inability to obtain, maintain or upgrade a security clearance at the appellate stages can mean the loss of his or her position.

Please contact Berry Berry, PLLC to schedule a consultation with a security clearance attorney if you are submitting an initial security clearance application (SF-86), undergoing a background investigation, or having your security clearance denied or revoked.

Some helpful articles on our website discuss various issues within the security clearance process:

Meeting with Security Clearance Investigators

The Importance of Properly Completing Security Clearance Forms

Polygraph Examinations for Federal Employees and Contractors

Responding to the Statement of Reasons (SOR)

The Whole-Person Concept for Security Clearance Cases

Seeking Information Regarding Security Clearance Incident Reports

A Summary of the Security Clearance Appeal Process

Requesting Reconsideration After a Security Clearance is Denied

Also, please visit our Security Clearance Blog where we discuss current security clearance issues affecting federal employees and government contractors and security clearance specific law firm website at www.securityclearancelawyer.com


Hardware Compliance – Software Compliance – PCI DSS #credit #card #processing, #credit #card #payments, #accept #credit #cards, #compliance, #pci, #pci #dss, #payment #card #industry


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Credit Card Processing: Hardware Software Compliance

Credit card payments are as fundamental to your fiscal stability as customers: you simply cannot do business without them. But are your transactions safe? If your credit card processing equipment is out of compliance, the answer is NO .

Just like your business, the credit card processing hardware and software that you use to accept credit card payments must meet all current government and payment card industry security standards. Meeting these standards helps to ensure that your customers valuable information is safe and that your business is protected against fraud, data theft and penalties.

What s at stake?

If your customers credit card information or other personal information is stolen or otherwise compromised (in what s known as a data breach), the consequences could be disastrous. If you are out of compliance and suffer a data breach, you could see losses in the form of fines and chargebacks. Worse, you could lose your customers trust.

What is hardware/software compliance?

Compliance simply means that all of your credit card processing equipment (hardware and software) meets the requirements set forth by the Payment Card Industry (PCI) Security Standards Council. The council was founded by the five major credit card companies — Visa, MasterCard, Discover, American Express and JCB International — to enforce the PCI Data Security Standards (PCI DSS). To be in compliance, hardware and software must meet the 12 requirements outlined in the PCI DSS, as well as Payment Application Best Practices (PABP).

How do I know if my hardware/software is compliant?

The best way to ensure compliance is to have your equipment evaluated through a compliance scan. Compliance scans check your operating systems, networks, servers and devices for vulnerabilities that could result in a data breach. Because of the sensitive nature of the data involved, quarterly scans are strongly recommended by the PCI Security Standards Council and can only be conducted by an approved scanning vendor.

Terminal Compliance – See where your credit card processing terminal falls on the PCI compliance scale.

Software Compliance – Find out if your credit card processing software is PCI compliant.

How do I maintain compliance?

Once you get compliant you need to stay compliant. That means making sure that your business is virtually and physically secure. To maintain compliance, you must protect your:
network: the operating system you use for credit card processing
terminal: the device you use to take credit card payments
software: the credit card processing program with which you accept payment

Network Compliance

Make it a top priority to ensure that your network is configured for maximum security and compliance. If your system isn t properly configured (including using complex encryption algorithms), all the data within your network is at risk.

Terminal Compliance

Nearly half of the data breaches that occur are through point of sale (POS) terminals that are out of compliance. This has become such a concern that MasterCard has instituted a POS Terminal Security program requiring regular equipment evaluations.

Software Compliance

If your software is not secure, neither is any of the information you re using to process payments, including credit card numbers, expiration dates and customers personal information. Noncompliant software is a data breach in the making.

Get Compliant Today!

The first step to finding out if your equipment is in compliance is to complete a self-assessment questionnaire. By following this process, you will determine whether your equipment is compliant. If not, there are established steps you can take to achieve regulatory compliance.

The information on this page is not intended to be a source of legal advice. Therefore, you should not rely on the information provided herein as legal advice for any purpose, and should always seek the legal advice of competent counsel in your jurisdiction.

Newtek Business Services Corp #newtek, #newtek #business #services, #the #small #business #authority, #small #business #services, #sba #loans, #small #business #loans, #credit #card #processing, #merchant #processing, #online #payroll #services, #managed #technology, #web #hosting


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Investor Relations

Corporate Profile

Newtek is a direct distributor to the small- to medium-sized business market under the Newtek TM brand. Our mission is to become the premier provider of quality business and financial services to small- and medium-sized businesses throughout the U.S. Newtek focuses on providing over 90,000 business accounts with access to financial, management and technological resources that enable them to better grow and compete in today s marketplace. Newtek s products and services include:

  • Electronic Payment Processing: Credit card, debit card, check conversion, and ACH solutions
  • Web Hosting: Full service web host including domain registration and online shopping cart tools
  • Business Lending: Business loans to start up, acquire, or expand a business
  • Insurance Services: Nationwide commercial, health and benefits, and personal lines of insurance
  • Outsourced Digital Bookkeeping: Bookkeeping and recordkeeping
  • Accounts Receivable Financing: Receivable purchasing and financing services
  • Web Design and Development: Customized web design and development services
  • Payroll: Payroll management processing and employee tax filing

Small Business
Loans Get the capital needed to help grow your business, advertise, build inventory or pay expenses. Quick approval process!

Payroll
Services Save time, money and eliminate liability for calculation errors or mis-payment. Manage Payroll easily online with just a few clicks. Free 60-Day Test Drive!

Merchant
Processing Accepting Electronic Payments made simple. Reduce your cost with extremely competitive rates and cutting edge processing technology.

Cloud
Services Web services for small to medium size businesses. Save 60% or more on your current I.T. costs with the Newtek Cloud.

The Newtek
Advantage Our FREE application that delivers real time powerful business intelligence to your mobile device.

In the Media

Company Information: NEWT

Newtek is a brand of Newtek Business Services Corp. (NASDAQ: NEWT). Newtek Business Services has been in business for over thirteen years, servicing over 100,000 business accounts in all 50 states.

The Small Business Authority brand has been established to provide real-time state-of-the-art content and business services in order to become the definitive destination for small business owners across the United States.

COPYRIGHT 2017 NEWTEK. ALL RIGHTS RESERVED. PRIVACY POLICY

The Small Business Authority is a registered trade mark of Newtek Business Services Corp. and neither are a part of or endorsed by the U.S. Small Business Administration.


The 4 Best Credit Card Processing Options for Small Businesses #credit #card #processing #for #small #businesses


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The 4 Best Credit Card Processing Options for Small Businesses

Cash is no longer king. To stay relevant and competitive, credit card processing for small business owners is no longer a nice to have but a must. Sponsored by National Bankcard

Cash is not always king. As our society steadily moves towards becoming more digitalized and reliant on technology, we are seeing less physical money exchange hands.

However, keeping up with the times is not the only reason to upgrade your small businesses payment system. Here are just some of the advantages accepting credit cards will have on your bottom line:

  • Increase in overall sales
  • Improve customer service
  • Broaden your customer base
  • Save time with fewer trips to the bank.

So if you are ready to take the plunge and provide more value to your customers, here are four of the best credit card processing solutions for small business owners.

1. Terminal Processing

A payment terminal, also known as a point of sale terminal, is a device that allows customers to make payments with their credit cards in store. It is a reliable and secure method of accepting credit and debit payments.

Advantages

The main benefit of credit card terminals for small business owners is its direct link to improved customer satisfaction. With a card machine payment option, you will be able to reduce wait times with faster checkout, give your customers a secure way to pay for their purchase and more options to pay that suit their needs such as contactless payments and digital wallets.

There are also a few vendors that give small business owners a free terminal processing system on sign up. This value add helps to reduce initial setup costs and is something to look into if your budget is tight.

Disadvantages

The downsides to accepting cards are minimal, but most of them can be avoided. While credit card fraud is still a common problem, merchants can train their staff to spot a fake debit or credit card. Another disadvantage is the unavoidable cost. However, business owners should look at it simply as a cost of doing business and realize the device will pay itself off in no time.

It s easy to see that the cons associated with terminal processing are minimal and can be easily avoided. The benefits will not only help your business grow but drive customer loyalty and deliver a positive in-store experience.

2. Mobile Processing

Mobile credit card processing also referred to as mPOS (mobile point of sale) gives small businesses the ability to accept card payments with a phone or tablet instead of a terminal or point-of-sale (POS) system.

Advantages

The main benefits of choosing a mobile credit card processor are its versatility and the low-cost factor. For small business owners that attend local farmer s markets or trade shows, this option lets you accept credit cards wherever you are. This capability can also benefit stationary business owners who can mobilize their sales team by adding more checkout lines without purchasing additional registers.

Mobile processing companies also tend to charge fewer fees than traditional credit card processors and take the guesswork out of tipping by providing preset percentages for customers during checkout.

Disadvantages

There are two main concerns that small business owners should consider before purchasing a mobile credit card processor is how it will negatively affect customer service and getting a robust estimate on costs.

If you choose not to add a printer with your mobile processor, it will take extra time to capture an email address to send the receipt electronically. Depending on how busy your shop is or if your customer is in a rush, this might lead to some dissatisfaction.

While mobile credit processors are less expensive than standard credit card terminals for small business owners, they do come with a bunch of small costs that add up. Before biting the bullet with a vendor be sure to inquire about the fees that will be charged per transaction, per day, per month and even year so that you can get a holistic cost estimate.

Mobile credit card processing for small business owners are ideal for merchants who are on the go and want an affordable solution. The disadvantages above can easily be avoided with some careful planning, and there are numerous ways to lower your mobile credit processing costs if you are prepared to negotiate your rates and ask the right questions.

3. POS Processing

POS credit card processing for small business owners is a reliable, affordable and flexible way to manage POS operations. It transforms an ordinary tablet into an all-in-one payment solution that can complement a range of add-on applications as well as cash drawers, scanners, printers and more.

Advantages

One of the key advantages of a POS processing system is the ability for small business owners to access their sales data no matter where they are. By using a cloud-based system, you can see real-time inventory levels and customer information as you go about your day.

A POS processing system also lets merchants take advantage of a cloud-based integration and offer services that are not possible with a traditional POS platforms. Besides allowing payments to be processed anywhere on the business premises, business owners can also use this system to set up check-splitting, loyalty programs and integration with external accounting platforms.

Disadvantages

Before you make the big switch to a POS processing system, there are a few things to consider. Firstly, it is important to remember that as your POS system is hosted in the cloud, it is only as good as your internet connection. Do your research and make sure you either choose a vendor that offers offline services or that you have a backup plan in place in case your connection goes down.

By embracing cloud computing technology like POS and setting up systems to combat possible downtime, small business owners can operate just as efficiently as bigger organizations.

4. Online Processing

It is not enough to just have a brochure, these days you have to sell online to stay relevant, and that means accepting credit cards. An online processing system lets merchants accept online payments from buyers worldwide. It is a safe, reliable and seamless way to manage payment processing while you focus on making the best possible product or service.

Advantages

Online payment systems give your customers a convenient way to place an order with your business. Instead of having to drive to your storefront, an online POS lets them shop from the comfort of their own home. By offering this functionality on your website, you can easily increase sales by not giving your customer the chance to look at a competitor that does offer online sales or forgetting about visiting your store altogether.

Disadvantages

With an online payment system, you will be dealing with sensitive information such as credit cards numbers that be stolen or altered. As a result, you need to make sure you have adequate security to protect your customer s details as well as your company s reputation. Before choosing a vendor, find out what systems they have in place to minimize fraud and their guarantees on data protection.

In short, an online processing system is a necessary payment option for small business owners who want to remain relevant and competitive. By ensuring your business partners with a service provider that complies with high-security standards, you can increase your revenue and take your business to a global market.

Conclusion

Before you decide which of the four credit card processing solutions is the best decision for your small business, make sure you weigh up all the factors and consider which service vendor will be the best fit for not just you, but for your customers as well.

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