Rolling Out the Red Carpet

Customer Loyalty Programs For the Win

Rewarding your loyal customers is a practice that just makes sense.  There are now so many simple ways to track and honor those customers that keep coming back for more.  If your business already has a CloverTM product, then you’re probably already taking advantage of this awesome reporting with the free Rewards app, but what are you doing to treat your VIP customers like royalty?  If you’re stumped on how to get a customer loyalty program started, we can help!


Aside from the obvious, they’ll keep on coming around idea, why should you implement a loyalty program?  Two words:  social media.  It is almost too easy for us to share the ins and outs of our day with hundreds plus people, even strangers.  And when given freebies, discounts, and perks for sticking with you, your customers are going to let their friends and maybe even the world know how awesome you are.  Then those friends, strangers, your customer’s sister’s boyfriend’s grandma, etc. are going to come check out your business and maybe even become VIP customers themselves.  If that doesn’t give you the warm fuzzies, we’re not sure what will.


So, what are you going to offer and how?  Get creative and think like a customer.  If you own a coffee shop, an occasional free cup of coffee will certainly perk up a regular customer.  For spas and salons, add on an additional treatment like a paraffin wax dip or 10 minute extra massage time.  Restaurants owners, treat your regulars with a free appetizer or dessert.  Retail and gift shops, offer free gift wrap or even additional coupons here and there.  On top of offering little freebies or bonuses, go out of your way to acknowledge that customer is a VIP.  A simple, “glad to see you back!” can go a long way.

Saying “thanks” with discounts and rewards is a great way to keep your loyal customers happy and encourage growth, so why not get started today?  Let your VIP customers know they are appreciated and treat their loyalty like royalty!

Business Finance Options

Immediate Working Capital

There are some instances as a business owner when you just need more working capital to accomplish goals and grow your business.  Going through the process of dealing with banks and credit scores and paperwork can be daunting.  We completely understand, and that’s why we offer business finance solutions that will provide your business with immediate working capital without the headache.  A simple 3 minute application is all you need to fill out to get started.  From there, we will discuss your needs and setup the business financing that makes the most sense for you and your business.

You’ve Got Goals; We’ve Got Solutions

There is no reason to hold off on the dreams you have for your business.  You have goals and we have the tools you need to achieve them.  Think about how great it would be to add $10,000 to your marketing program to increase traffic and sales.  Or maybe you need $40,000 to add-on to location to accommodate more customers.  Whatever it is that will help grow your business, our immediate working capital business financing options will get you well on your way to reaching your ultimate business goals.

Take a look at how some of our clients chose to grow with our business finance options:

  • Hire new employees
  • Eliminate debt
  • Add new inventory
  • Remodel
  • Purchase new equipment
  • Increase marketing efforts

Get What You Need

We aren’t here to sell or pressure you.  We will help to make sure that you are choosing the business finance option that best fits the needs of your business.  There is no one-size-fits-all approach, and that’s why we are here to help you from start to finish.  It’s quick and easy to get immediate working capital by offering you unsecured capital based on the future card sales at your business.  The payment is electronically deposited and the payments are completely flexible.

Easy, Smart, and Fast

It’s simple to get started today.  Why wait to reach those goals you’ve been putting off?  Today is the day.  Once approved, cash is deposited within 10 days (often sooner), and you can put that capital to work right away.

Call or Email Us!  (866) 863-2660 or

Give us a call to find out more!  You can even get started with our online application if you know you’re ready to take your business dreams off hold.


The Perfect Fit: Finding the Clover™ Solution for Your Business

Running a business can often times get a little tricky.  Reporting, scheduling, and payment processing are only just a fraction of the daily demands faced by managers and business owners.  No matter what it is you’re selling or how you are selling it, the Clover™ family of solutions has the perfect mix of hardware and software to fit your specific business’ needs.  With 5 options of Clover™ devices available, how do you know which is the best fit?  Let’s talk Clover™ so you can make sure your business gets the perfect fit.

Clover™ Flex

The Clover Flex gives you the same payment and security capabilities as the larger Clover products with the flexibility to accept payments away from the counter.  Wi-fi and optional 3G keep you connected with ease, while the built-in printer and barcode scanner/camera make it simple to check out from anywhere.  The long lasting battery can typically keep up with a full work day, and it can easily integrate to work with other Clover products.

Clover™ Go

If you need to accept mobile payments from your smartphone or tablet, Clover Go is the solution for you.  It is simple to use right out of the box, and you can customize the features for sales tax, employee permissions, receipts, and more.  Accepting all payment types on the go like at the local farmer’s market, vendor shows, or at a customer’s job site has never been easier.

Clover™ Mini

Are you looking for a terminal with a sleek design to make your counter look nice?  Or do you want a full-powered POS system compact in size?  Either way, with Clover Mini, you’ve got it!  If you’ve been wondering if a Clover product can fit the needs of your business, the Clover Mini is a great place to start.  The Clover Mini can grow with your business.

Clover™ Mobile

If your business is fast-paced and in need of a system to keep up, the Clover Mobile is a great fit.  You can even pair it with a Clover System or Clover Mini for even more power!  The Clover Mobile is perfect for food trucks, gives customers the opportunity to quickly pay at the table, and provides a simple option for any business where your customers are in a hurry.

Clover™ Station

All of your business operations are combined into one powerful system.  You can accept payments, track inventory, incentivize loyal customers, manage personnel, and much more.  If you own a small to medium sized business and want a solution that will fit all your needs and grow as your business grows, then the Clover Station will be the perfect fit.

Ready to get started?  Have more questions?  Let us know.  We love the Clover family of products, and we know that you will too!  Targeted Merchant Solutions is your Clover headquarters.

Contact us today: (866) 863-2660 or


Featured Merchant: Élan Day Spa

When we say “we love our merchants,” we aren’t joking.  Targeted Merchant Solutions and Élan Day Spa have been partnered together since our inception.  Our Myrtle Beach, South Carolina merchant service team goes to Élan Day Spa for relaxation, rejuvenation, and amazing services.

The amazing team at Élan Day Spa specializes in massage and body care, nail treatments, and skin care.  Massage is only the beginning when it comes to body treatments.  They also offer aromatherapy, mud baths, body wraps, and scrubs.  You cannot go wrong when you choose from one of the many facials on the spa’s menu as well.  You can even speak with your esthetician to determine the best option for your specific skin card needs.  Relaxing while your hands and feet get pampered and your nails get the five star treatment they deserve is icing on the cake.  Élan Day Spa has got a menu that will suit the needs of all.

The collective owners of Élan Day Spa have a total of 85 years experience in the spa industry.  They know the true benefits of self care, massage, and relaxation.  You can trust Élan Day Spa to provide you and others with the true spa experience that you have been looking for.  We cannot recommend this spa enough.  So if you happen to be in the Myrtle Beach area looking for a perfect spa retreat or even a gift card for someone, we suggest stopping by Élan Day Spa.  Be sure to checkout their website for even more information on their treatments, team, and testimonials at

Élan Day Spa

1105 48th Avenue North Suite 107
Located in the Parkway Office Plaza
On the corner of Robert Grissom Parkway & 48th Ave.

I can not say enough to express how much Élan Day Spa appreciates Targeted Merchant Solutions. Jennifer King and her staff are second to none with respect to customer service. We have been doing business with them for 9 years and wouldn’t consider switching to anyone else.

Melanie C. Thompson



Clover App Market Spotlight

Always Evolving

One of the greatest aspects of the CloverTM family of products is the app market. With additional apps, you can go from basic customization to an incredibly one-of-a-kind experience for your business. The app market is an open market so developers can introduce new apps, allowing the market to always evolve and offer solutions to fit the needs of many business types.


Targeted Merchant Solutions gets super excited when we find out about new apps that will offer a tremendous benefit to our merchants and sharing them with you is our top priority. We will keep you updated through our Clover App Market Spotlights. If you see an app you want or want to know more about, let us know! We will even demo it for you to make sure it has all the functionality you’re looking for. So, without further ado, here are the three newer apps that have got us pumped…

Sell Online

With just one click from your Clover, you will have an instant online store on your website. You know how valuable it is to have an online presence, but you also know how much time it can take to do so (and did we mention the cost to hire a developer)? The Sell Online dashboard manages everything and allows you to simply add your online store to your blog, website, and/or Facebook page. Find out more!

Top Up:  Purchase Orders

Who wants to spend time constantly dealing with purchase orders?  The Top Up:  Purchase Orders app adds awesome automation to your business’ purchasing/receiving protocol.  After you’ve added vendors, you can choose to have an automatic purchase order created when your most popular items get low in inventory.  You can manually create purchase orders, also.  Simple receiving will automatically enter received purchase order items to your inventory.  Easy peasy lemon squeezy. Find out more!

Cleaning & Laundry

Now, dry cleaners can really customize their Clover experience like never before.  This app is still in BETA, but it has great features for dry cleaner/laundry services.  Keep up with your customers and orders with tools like pay now/pay later support, rack number support, customer/employee print tickets with customer information and notes, and order due dates.  You can even text customers once their order is ready!  Forget overpriced hard-to-use software because with the Cleaning and Laundry app, you can make the sleek Clover Station work perfectly for you. Find out more!

But Wait!  There’s More!

These are just three of the cool new Clover Apps that we are really digging.  Browse all the available apps in the Clover App Market, and you will see that there is so much out there to make your Clover the perfectly customized solution for your business.

Don’t Think You Need to Accept Mobile Wallet Payments?

Think Again.

Mobile payment methods, also known as contactless payments, like ApplePay are becoming more and more commonplace.  This is certainly the case for larger, franchise businesses, but it seems like small businesses aren’t quite on board with this newer technology.  We wanted to know why, so we asked around and found the primary reason small biz isn’t making the change because they don’t want the hassle of having to change technology and train staff.

We get it.  But if you’re holding back on making the switch to accept contactless and mobile forms of payment, you are missing out.  This is true no matter the size of your business–from big to small and in between, you have to be ready for what the consumer wants.  And consumers are taking it mobile.

Mobile Wallet Payments Are Growing

In a survey by Accenture, they found that consumers are looking for there to be a 60% increase to mobile wallet payments by the year 2020.  Even cash payments, which still reigns supreme, fell from 67% in 2015 to 60% in 2016 with larger use of mobile and contactless payment options.  As consumers continue to implement mobile wallets, businesses need to be ready to accept these payment types.  Are you ready?

You Want These Customers

Currently, it’s about 1 in 5 consumers that wants to be able to use technology like ApplePay.  These consumers are likely young with higher education and a bank account, so they are good customers to get and retain.  Millennials and Gen-X consumers like receiving email receipts for purchases and loyalty tracking through mobile apps because they always have their smartphones.  It just makes sense to appeal to these eager consumers.

You’ll Look Good.  You’ll Look Real Good.

No one likes to be the last to jump on board an awesome trend, and this is your chance to get while the getting is good in regards to mobile payment technology.  Consumers will like that you are ahead of the curve, and it is an added convenience for those who are already taking advantage of the easy-to-use mobile wallets.

Worried About the Unknown?

Don’t be.  Seriously, we’ve got you covered.  The CloverTM family of products gives your business the upper hand when it comes to accepting all types of payments, including mobile payment acceptance like ApplePay.  The system looks super modern, which may scare off small businesses, but it is incredibly user-friendly.  We have worked with countless small businesses to put one or more of the Clover technology in place, and not one has wanted to go back to their old point-of-sale system or terminal.  Let’s get your business ready for anything, especially mobile payment acceptance.

There is a sort of fear of the unknown with small business owners when it comes to updating the way they accept payments.  We completely understand, and that’s why we provide support and training with not only the initial change but for as long as they are our merchant.  Our continuous and thorough support is the primary reason our merchants choose us time and time again.

Jennifer King, President at Targeted Merchant Solutions

When Chip Cards Hurt

For Some Businesses and Customers the Pain of Chip Card Transactions Cuts Deep

With the adoption of EMV chip card readers across the country still going strong, more and more people are concerned about the awkward and confusing interaction than the increased security features.  Honestly, if you’ve had the chance to use your “newish” chip card, you’ve likely wondered:  “Do I swipe?  Do I enter the card?  Why is it taking so long?”  So, while this added feature might help make card purchases more secure, people aren’t loving it and some are turning away from retailers because of the confusion and wait time.

In a recent survey by Cayan, almost 25% of customers say if their wait time is 5-20 seconds, they will skip that retailer in the future.  The average EMV chip card transaction is about 14 seconds.  Bad news, right?  So, as a business owner what are you to do?  You have to have the EMV readers to avoid costly liabilities, but you also want happy customers.  (Please note:  a customer who can avoid silent staring contests with your cashiers will likely be happier than one forced to participate in the silly waiting games.)

Speed It Up

  1.  Check your connection.  In today’s world, there are very few reasons for a business to still be operating a credit card terminal through dial-up.  However, a lot of businesses are still relying out outdated dial-up equipment.  If you’re one of them, it’s time for an upgrade to an internet connection, and perhaps some new technology overall.
  2. Go Mobile.  Retailers that go out of their way to make lines faster get top marks from customers.  One way many retailers do this is to have mobile payment acceptance so the employees can quickly and efficiently check out the customers already in line.  Think about it…you’re waiting in a seemingly endless line during the holidays when an employee comes to greet you and processes your transaction right there on the spot.  Smooth, right?
  3. Find a better overall solution.  Your dad’s old terminal isn’t cutting it, you need some mobile options, and let’s fire up that chip card reader wait time while we’re at it, shall we?  Welcome, CloverTM.  The Clover family is a customizable solution for any business, and it is killing the EMV chip card game with an average 3 second wait time from the initial “dip” to the “remove card” screen. That’s a heck of a lot better than 14 seconds. Oh, let’s add some icing to this Clover cake: the Clover Mini averages 2.93 seconds!

Don’t Go There

While you’re looking into keeping your customers coming back for more, there are also a few don’ts when it comes to EMV chip card transactions.

  1.  Sticky Note Mayhem.  You’ve seen it–those terminals with notes plastered all over them with instructions.  It’s impersonal, and does anyone else notice how dirty the paper gets?  Ew.
  2. That’s Weird.  There’s nothing like making an uncomfortable situation even more cringe-worthy.  Watch what you say about your chip reader to strangers, okay?

Happy Customers = Happy Business

Do your business a favor by doing your customers a favor…speed up those EMV chip card reader transactions.  You would be surprised at how much you and your employees can accomplish with updated technology, and we are here to help.  The Clover family has all that you need to effectively manage and run your business, while keeping the transaction process smooth and simple for your customers.  Let’s get your business running with Clover today!


“Wearables” are the Future of Mobile Payments

Mobile payments are a must have for any successful business.  It’s a fast and secure payment method for you and your customers. How it works- customers use their smartphone while checking out.  They simply use the payment app with a business’ terminal and the transaction is complete.

Manufacturers want to take this a step further.  Now they want to allow customers to pay using a smartwatch in place of a smartphone. For businesses nationwide this is a trend that will do nothing but increase over time.

Wearable technology is the mobile payment method for the future.  It is believed that this will be a reliable and convenient payment method.  As a business you need to be ready to keep up with the demands.  In addition to smartwatches there will also be other types that will quickly be an available means of mobility-wristbands, stickers and rings.

Mobile payments are in high demand with wearables growing on customers.  The wearables industry still has a few kinks to work out.  Near field communication (NFC) technology is a must have for this particular payment method to be a success.  NFC is needed to be able to have wireless signals.  Payment terminals that are NFC capable are slowly being inaugurated.  However some businesses are already accepting payments via smartphones that are NFC ready.  These businesses are one step ahead of those that are not.  Processing mobile payments with wearables will be a breeze after the right training.  Right now the specific wearable devices are limited.  But over the next few years it is expected to increase into new brands.  Wearable devices are still scary for some customers.  Over time though, customers will become steadily more comfortable with them as their preferred payment method and will no longer view them as a thing of the future but as a norm for the now.  There is still some worry over the easiness of wearable payment devices.  According to many financial institutions, experts are worried that customers will begin exceeding their spending because of the new convenience.  Over time the hope is there will be a balance for customers.

In a recent article from, there are 7 wearable products that will have the potential to be a mobile payment method:

  • Google Glass
  • Smartwatches
  • Rings
  • ‘Ordinary’ Watches
  • Disney MagicBands
  • Clip-on NFC
  • QR Codes

For specific information regarding these wearbles visit

By 2020 Frost & Sullivan, a growth partnership company, is convinced that wearables will be in strong competition with smartphones as the go-to mobile payment method.  Don’t let this scare you.  Targeted Merchant Solutions is always available to help answer any of your questions and concerns.  We will be here to assist you in every step along the way.

Clover Has Changed How One Restaurant Does Business

Having a business of any size, it is necessary to have a good foundation.  So what point-of-sale system is your business currently using?  Clover is the answer.  Just ask the Castaways Bar & Grill located in Georgetown, South Carolina.  Using the Clover has transformed their business. The right point-of-sale system is vital in promoting a rise in revenue, happy customers and less hassle over all.  The wrong, well that’s not something any business wants.  Switching over to the Clover will be one of the smartest business decisions you will make.

Clover is one of the top, most efficient countertop point-of-sale systems available for any business.  Its design alone will make you want it and question why you waited so long.  Sleek on the outside and the latest state of the art software on the inside.  It takes up minimal counter space, eliminates clutter and leaves your business looking more like a professional establishment.

So what’s included with the Clover Station?  Included in the standard package is your cash drawer, touch screen tablet, receipt printer (and printer paper), and color coded cables.

Whatever your specific business needs, Clover has you covered. From full service restaurants, to quick in and out eateries and retail businesses, it will be no time at all you realize how much the Clover can do for you. Here a just a few:

  • Track inventory
  • Make payments
  • Manage Employee’s time sheets
  • Reduce processing wait times

Set Up

The Clover is a quick and easy set up. All you have to do is open the box and viola it’s done.  It comes ready for you to plug it in and start making your business money.  There is no more need to worry about if the internet goes out, and let’s face it sometimes it just does for no reason.  Clover makes it possible to still receive payments without the internet, even fast and secure.


But what about its security features?  Clover is backed and protected by First Data, one of the top payment processing companies.  Clover’s technology ensures protection of your customer’s data.   From swipe debit and credit cards to EMV chip cards, Clover reduces the risk of fraud for your business and your customers.  So instead of worrying about how secure your transactions are, you can rest assured that they indeed are.  Now you can just simply focus on your customer’s needs.

Don’t wait any longer, go ahead and get Clover today.  Just like the Castaways Bar & Grill, turn your business into a success and let Clover be the cornerstone of your foundation.