Clover™ Go September Special

Accepting payments on the go is becoming the norm for many types of businesses.  Not only is it simpler for you and your customers, but it adds peace of mind to you knowing the payment is accepted and completed.  From in-store retailers to in-the-field services, taking payments when you’re on the move is a sure way to add efficiency and convenience when it comes to easily getting payments and deposits.

Clover™ Go is the solution for your business to accept payments from virtually anywhere.  All you need is a smartphone or tablet and a free hand.

Features:

All-in-One – Accept all payments; contactless (Apple Pay®, Android Pay™, and Samsung Pay™), traditional chip, and swipe transactions.

Inventory Tracking – You shouldn’t have to track inventory separately, and with Clover™ Go, you don’t have to.

Bluetooth® Connectivity – The new Clover™ Go pairs with your phone through Bluetooth® connection.  Wire free is the way to be.

Serious Security – Through the entire transaction process, you can ensure your customers’ data is secure.

Taxes & Tips – Multiple tax rates, set tip percentages

Paperless Receipts – Your customers can choose to have receipts emailed or texted for convenience.

Total Control – Give your employees the access to see the things they need and nothing more.

Constant Support – All day, everyday support to help you when you need it.

No Cost Clover™ Go*

For the month of September, Targeted Merchant Solutions is giving a Clover™ Go at no cost to new merchants!  Aren’t you ready to add convenience and secure payment processing to your day-to-day?  Let us help you get started.

Is it For My Business?

Any business can benefit from having on-the-go payment technology.  Brick and mortar retail stores can step out from behind the counter to engage with customers and eliminate long lines with Clover™ Go.  Service providers that work in the field can simply accept payments right on the job, preventing errors and security issues.  It’s true that your business can benefit from Clover™ Go. 

 

 

 

 

 

 

*Targeted Merchant Solutions will provide a new Clover™ Go device to any new merchant who signs an agreement on or before September 30, 2017. There is a $39 initial setup fee. This promotion is while supplies last. Quantity is limited.

Clover Online for Retailers

Get out from behind the counter and get online.

Your customers aren’t only in your store, they are online also.  When you have a website in place you are offering an online showroom where you can attract new customers into your store and increase sales with an online store.  If you’ve been putting off a website for fear of the unknown, there’s no reason to wait any longer.  Clover Online is a simple method to give your business a professional edge online.  Not only does Clover Online allow you to create an online storefront, but it seamlessly connects with your Clover point-of-sale in your store so all sales are sourced in one place–doesn’t matter if they are in store or online.

Total Integration

Your Clover POS and Clover Online are both fully integrated to work together.  This means that you don’t have to maintain separate inventory reports or keep up with online and store front sales with different reports.  It’s all in one, making your job smoother and business more effective.

Safety First

Encryption and data protection are hot topics when it comes to card payments for businesses.  You want to make sure your customers are protected, as well as your business, and Clover offers innovative data tokenization and encryption to protect every transaction–online and in store.

Support

The support you know and trust from Targeted Merchant Solutions plus a dedicated Clover support team means that you will never have a question go unanswered.  We are here to make sure everything, from setup to processing, is running smoothly for your business.

It’s Really Simple.  Seriously.

Get online fast.

Whether you just need a professional website or a full online store which syncs to your point-of-sale system, Clover Online will get your site online quickly.  The hosting is even included.

The future is mobile.

Now more than ever it is essential that websites be compatible across mobile browsers because more and more customers are utilizing their phones and tablets for online means.  With Clover Online your website will give your customers the convenience they expect, mobile or not.

Payment options for the masses.

The payment options are already built-in, so you can offer your customers multiple options.  These options mean flexibility and convenience for your shoppers.

Let ’em see you.

More and more trends are showing that customers frequent a business’ website before going to the store to make a purchase.  Make sure you’re seen so you can gain new customers.

Taking Business to Another Level: Clover Online

We have said it before, and we will say it again, your business NEEDS an online presence.  No matter your industry, an online presence is becoming increasingly vital for any business.  There are many ways that you can setup a website for your business, but now it’s become a part of your payment processing.

Clover Online is an app that come pre-installed on Clover devices.  If you have a Clover device, then you have the ability to utilize Clover Online and the impressive tools it has to offer.  So, the same amazing product that you use to accept payments and run your business will now allow you to setup and manage your online presence with incredible ease!  It really is that simple.

Three Options to Choose From

With Clover Online, you can choose from three different plans to find the one that best suits the needs for your business. Clover Online Basic, Clover Online Plus, and Clover Online Pro are the three plan options that have been developed for businesses.  If you are looking for a simple one page site with contact information and some detail about your business, then Clover Online Basic will provide just what you need.  For those looking for more customization and detail, the Plus and Pro options have the features you will need.

The plans include hosting for your website, more than 20 design templates, and the ability to use 100,000+ professional stock images for your site.  You can even use your own domain.  Each site is mobile-friendly and will automatically render on any device.

What Are You Waiting For?

Clover Users

Restaurants and retailers can have a site that seamlessly syncs with Clover inventory, orders, and customers.  E-commerce and social media integration are also available.  With that said, what are you waiting for?  If you already use a Clover device, then take it a step farther and start your Clover Online web presence today because it is already pre-installed on your Clover Web Dashboard.  There’s no downloading or creating an account necessary.  Find out the quick steps to get started here.

Ready for Clover

If you still haven’t found out what all the hype is about with Clover, it’s time.  Targeted Merchant Solutions is your Clover headquarters.  Demo it, live it, and love it.  It’s that awesome.  Aren’t you ready to kick things up a notch with your business?  Find out how we can help you take it to a new level.

Which plan will fit your needs?  Here’s a handy chart for review:

Find out why our merchants love us

We know choosing a merchant service provider is an important decision.  You want to work with a company that not only works with you, but helps your business run more effectively, and that’s just what we do.  We call it the “Targeted Difference,” and it’s the reason why our merchants love us.

 

Transparent.  Credit card processing fees can be incredibly confusing.  We get it, and we offer education to our merchants to help you understand exactly what you’re paying for.  For our merchants we recommend interchange pricing because it is the most transparent pricing available.

 

No Overselling.  We’ve seen it too many times: a business stuck with technology that’s too big for their goals. That’s why we never oversell to our merchants. We find out your goals and build your service from there. If you grow, we grow with you; but you’re never stuck with overpriced equipment that doesn’t fit your needs.  And we do not believe in costly equipment leases either.  Bonus!

 

We patronize our merchants.  Get used to seeing TMS team members if you’re anywhere near one of our many locations.  We dig patronizing our merchants’ establishments because we believe what goes around comes back around. We love supporting our merchants!  Even online/MOTO merchants will see that we will keep coming back for more.

 

No robots or paid call-centers.  When you call, email, text, snail mail us, you’re reaching US!  Enough said, right?

 

We customize solutions based on your needs.  No two businesses are exactly alike, and that’s why we offer consultative service to determine what your business needs.  From there, we work with you to setup solutions to get your business accepting payments quickly.

 

Continuous Support.  Our support doesn’t end after you’ve started accepting payments.  We continue to offer thorough support and training for our merchants throughout the extent of our relationship.

 

Our merchants choose TMS time and time and time again.  Aren’t you ready to work with a company that goes beyond credit card processing and offers a real difference?  Let’s do this.

Debit Card Fraud Decreases While EMV Adoption Increases

The Study

From 2015 to 2016, financial institutions in the US significantly increased usage of EMV enabled chip cards.  During that time period it was also discovered that the fruad loss rates of debit cards were lowered by about 28 percent from the 2015 levels.  This was all determined in a report PULSE Network (Discover Financial Subsidiary) recently released.

The study found that since the 2015 fraud liability shift was enacted, more and more US debit cards have been made more secure with EMV chip technology.  It’s estimated to be about 80 percent of debit cards that have been converted.

According to the Vice President of Fraud and Risk Management for PULSE, Jim Lerdel, there have been quite a few measures taken by the financial services industry that have resulted in the reduction of fraud losses reported by financial institutions.  He names the EMV chip card conversion, mobile commerce tokenization,and increased investment in fraud-fighting solutions as three top measures helping the cause.

Although fraud loss levels are seeing improved results, the study did reveal that fraud is still quite a large burden financially for debit card issuers.  The study estimates that almost $900 million was lost in 2016 to debit card fraud.

Based on the study’s findings, 2016 showed increased usage in debit cards.  Transactions where a debit card were used rose about 7 percent year-over-year.  The report also found that active customers’ number of debit transactions grew 6 percent to 23.6 transactions each month.

The full results of the PULSE Network study is available here.  It was performed by the independent management consulting firm, Olive Wyman and commissioned by PULSE Network.  The collective information was obtained through 50 participating financial institutions.

Our Take

We knew that the fraud liability shift in 2015 would start to bring about big changes in the industry as a whole, but especially with debit card usage.  This report just goes to verify our past claims.

If your business is still unable to accept chip card payments, you could be held responsible.  Please contact us today to find out how you can easily and quickly accept EMV chip card transactions at your business and avoid costly penalties and fees.

(866) 863-2660

info@targetedms.com

Accepted: Payment Options More Important To Marketing Than Ever

The retail game is ever-changing.  Online and mobile shopping has certainly caused many retailers to adapt their marketing and sales strategies, but there’s even more to consider these days.  Going beyond the current need for a web presence, retailers are having to take into consideration how people are paying for their products.

This is bigger than accepting major card brands, retailers are facing questions of accepting cryptocurrency, loyalty programs, and omnichannel experience.  The best tool you can have in your arsenal when facing these concerns is an educated payment processor.  That alone can add a tremendous value to your marketing strategy.

Omnichannel experience–denoting or relating to a type of retail that integrates the different methods of shopping available to consumers (e.g., online, in a physical store, or by phone).

Cryptocurrency

Maybe you’ve heard of cryptocurrency, maybe not, but you’ve certainly heard of Bitcoin.  Some companies have already jumped on board with accepting Bitcoin.  There are definitely some perks to accepting cyrtocurrencies, like less bank fees and decreased risk of fraud.  The most intriguing aspect, though, is the marketing potential.  Accepting cryptocurrency can reach people across varied socioeconomic backgrounds and regions.  Wise marketers will want to consider what the acceptance of cryptocurrency can mean for the future of their business.

Omnichannel Experience and Loyalty Programs

When you provide a consistent transaction experience across all channels, you can improve customer satisfaction and retention.  This puts the payment processing at the top of your marketing efforts.  Today’s payment processing offers internal loyalty programs, collecting important consumer data even in brick and mortar retail stores.  Combining the e-commerce and in-store payment solution, you can know your customers in the store as well as you know your online customers.  This tracking gives your business the chance to reward loyalty.

Time to Get Ready

Anything that add convenience and value to your customers is something that will certainly grow in support.  The best thing you can do to prepare for these marketing opportunities hidden in your payment processing is to update your current payment technology and tie in processing with loyalty and the ominchannel experience to boost your customer’s experience across the board.

 

What Goes Around Comes Around

What Do We Mean?

When we talk about our “What Goes Around Comes Around” mentality, it goes far beyond us offering card processing and occasionally stopping in to check on our merchants.  We firmly believe in patronizing and supporting our merchants, as well as other businesses right in our areas.  Merchant or not, when local businesses stick together and encourage and support one another, good things happen.  Growth happens.  Support happens.  Community happens.

Rooted in Community

Our local businesses can be an incredible tool for growth, but the sense of community is really what drives and inspires Targeted Merchant Solutions.  We make sure to go the extra mile in order for our merchants to know just how important they are to us, and we are certain to always lift up and recommend small local businesses when the chance arises.  Heck, we’ve even been known to run terminal paper over to a nearby restaurant because while we were grabbing lunch we overheard they were running low.

Let’s Do This Together

Imagine the possibilities if all local businesses firmly believed and practiced “What Goes Around Comes Around…”  We see the trend in shopping local and supporting one another locally, and we want to keep that momentum going.  Won’t you help us?  Support your local shops.  It can make awesome things happen.

Keeping It Local

Find Our Crew Out & About

Myrtle Beach, SC

Our President, Jennifer King, can be found all over Myrtle Beach and the surrounding area.  (We think there might be some kind of magic involved because she seems to be everywhere at once).  You can catch her getting a manicure with Melanie at Élan Day Spa, getting her hot yoga on at OM Yoga, or jetskiing on the ICW courtesy of  Myrtle Beach Watersports during her downtime.

Southern Pines, NC

Kimmi Fifield, the Sales and Support Lead, holds down the fort at our headquarter office on Broad Street in Southern Pines.  She is typically fueled by Swank Coffee Shoppe and grabs a quick bite from Nature’s Own or Sweet Basil anytime she gets a chance.  Hot Asana helps both Kimmi and Paisley find their calm with a once a week hot yoga session.

The Director of Marketing, Paisley Downing, is rarely spotted without her toddler sidekick, Finn, when around town.  The Country Bookshop is a favorite spot for her and Finn.  She gets her caffeine fix (to keep up with her little guy) at the Roast Office in nearby Pinehurst and her wine fix (“he whines, I wine,” she says) at the Wine Cellar.

St. Petersburg, FL

Director Jan is living the dream in St. Petersburg, FL.  She works hard and plays hard…when it’s time for a cold one, she can be spotted at Mastry’s Brewing Company.  When it’s time to eat, Ichiban Japanese Restarurant & Sushi Bar is a go to for her.

 Ready to Feel the Difference?

If your current merchant service provider isn’t giving your local small business the support you were expecting, why not find out about the Targeted Merchant Solutions difference?  We are all about a local consultative approach, and we know that through our local support, our communities can truly thrive!

Clover Cash Advance

The New & Simple Way to Get Capital for Your Business

In the past if you wanted to expand your business, add new inventory, or upgrade equipment without tapping out your cash resources, you had to get a loan.  For many, the word “loan” means loads of paperwork, waiting, and headaches.  Who wants to deal with all that?  As a business owner, you just want quick capital to get the ball rolling, and that’s just what the Clover Cash Advance offers.

Read enough and ready to get cash?  Get Started Now!  

Need more information?  Read on!

Why A Cash Advance?

Loans aren’t easy.  On top of that, making fixed loan payments can sometimes prove difficult.  A cash advance is based on your future sales, so you’re borrowing what you can pay back.

It can help you increase and add new inventory, renovate your business, or even increase your marketing budget.  You use your cash advance how your business needs to.  It’s quite simple.

Clover Cash Advance Benefits

  • Quick approval with minimal documentation
  • High approval rates
  • Receive funds within 3-5 business days
  • Cash advance gets paid daily through your merchant processing
  • Options for renewal

The Process

  1. Apply.  All that’s needed is a little information about you and your business.  Get the one page Clover Cash Advance Application Here.
  2. Qualification.  The amount of your cash advance is based off your monthly Visa and MasterCard sales
  3. Repay.  Based on your monthly sales, your cash advance will be repaid.

What are you waiting for?

So, you know the extra cash could be great things for your business…why not apply now?  The process is incredibly simple.  You won’t have to worry about wasting precious time because the paperwork required is minimal.  The approval rates are high, and you will not have to worry about borrowing more than you can pay back because it is based off your merchant processing.  Repayment is even simple.

Let’s Get Started.  

Questions?
Call us:  (866) 863-2660
Email us: info@targetedms.com

3 Steps to Accept Payments and Boost Business: Step 3

Step 3:  Online Presence

At this point in the game, your business should be equipped with your checkout counter point-of-sale and a solution like Clover™ Flex.  The third step in accepting payments and boosting business is to have an online presence.  You can easily set up a simple online store for an added convenience for your customers and to attract new customers from practically anywhere.

Retailers

While your primary focus may be sales in your brick and mortar store, you can’t deny that having an online presence will allow for new growth that the storefront just can’t attain.  When you have a Clover POS in your business, you can seamlessly integrate your current inventory into an online store.  Once your store is up and going, payment processing is also a breeze.  Your customers will be able to enter their payment information and checkout quickly and simply.

Restaurants

Menu, please.

It’s true what they say, “if there’s no online menu, I’m not going there.”  Oh, you’ve never heard that?  Well, believe it!  In July 2015, a whopping 86% of diners said they check out a restaurant’s menu online before choosing to go.*  That was two years ago, so those numbers are likely even higher now.  Your online presence can mean big business for you, even if it is just a simple website with your current full menu.

Go beyond the menu.

You don’t have to stop at the menu–think bigger and boost your business by offering online reservations and ordering.  According to Business Insider**, “Orders placed via smartphone will make up more than 10% of all quick-service restaurant sales by 2020, Business Insider Intelligence projects. At that point, mobile ordering is expected to be a $38 billion industry.”

…mobile ordering is expected to be a $38 billion industry.

Let’s Do This

So, what are you waiting for?  Whether you’re only at step one, accepting payments at the counter in your business, or you’ve got your countertop POS and on-the-go payment solutions but are without an online presence, you can accept payments and boost your business with ease.  Let Targeted Merchant Solutions help you get started today!

*http://press.opentable.com/releasedetail.cfm?releaseid=922416

**http://www.businessinsider.com/mobile-orderings-major-fast-food-impact-2016-4

3 Steps to Accept Payments and Boost Business: Step 2

Step 2:  On-the-go Payments

In the previous Smooth Operations post about the 3 steps to accepting payments and boosting your business, step 1 focused on your in-house POS/terminal.  Step 2 is on-the-go payments.  Being able to accept payments away from the counter can be very advantageous for your business because it can help keep lines short and keep customers moving quickly.  It can also offer increased customer interaction, which studies have found is an important element of the checkout experience according to most patrons.*  Whether a retail store or restaurant, your business can benefit from accepting payments away from the counter and on-the-go.

Retailers

When your business is faced with busyness, it can sometimes seems like the checkout counter(s) aren’t enough to get the job done.  Customers lined up waiting can be overwhelming to employees and annoying to customers.  Now, imagine if you could take the checkout to the customer…eliminating the chaos and annoyance.

Restaurants

At-the-table checkout is not just a huge convenience for customers, but it also prevents the risk associated with servers having to carry around customers’ cards to and from the point-of-sale system or terminal.

CloverTM Flex

So, how do you start accepting on-the-go payments at your business?  Allow us to introduce the Clover Flex.  It might be small in size, but it packs a mighty punch.  It allows you to accept all forms of payments wherever you are:  cash, gift cards, credit, debit, EMV, ApplePay, Android Pay, and NFC payments.   It also accepts signatures and prints the receipt on the spot, so there is no need to go back and forth to the counter at any point during the transaction.

Clover Flex even tracks sales in real time and manages your inventory and communicates with your other Clover family products.  Flex can be the tool to take your business to the next level.  No matter your business, being able to accept payments away from the checkout counter is your step 2 for payment acceptance.

*http://www.cstoredecisions.com/2015/07/21/what-do-customers-want-from-their-checkout-experience/