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 elandayspas.com.

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 PaymentSource.com, 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 http://www.paymentssource.com/gallery/7-wearable-items-with-payments-potential-3016316-1.html

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.

Mobile Payments are on the Rise

Mobile technology has been on the rise in the last year.  Retailers and consumers both have seen this increase dramatically.  Restaurants in particular are beginning to transition to mobile payments as well.  According to many experts, this is the future of the restaurant business- accepting the mobile payment trend.  Mobile payments are widely being preferred mainly because of convenience.  Not only are mobile payments quick and less hassle, they also offer a secure form of payment for business and consumers.  We know that safety is one of the major concerns when it comes to transactions, and mobile payments give you that.

In a recent report from Hospitality Technology it says just that.  Restaurants, whether big chains or small quick service establishments, want to give their customers the option of paying with mobile payments.  With the use of mobile payments, customers can pay their bill sitting at their table with a wireless device.  There’s no more need for staff to physically handle the customers debit or credit card at all.  We know that this alone will provide your customers with a sense of security because their card never leaves their sight.  Along with the security and the quickness of paying a bill you cannot go wrong with offering mobile payments at your restaurant.

Mobile Payments are the Future for Restaurants Nationwide.

With the Europay, Mastercard, Visa (EMV) chip card technology that just got implemented as a must have for any business, mobile payment options are going to be in high demand.  Most customers haven’t had the greatest experience with the new EMV devices.  With all the confusion with the EMV, mobile payments will be the go-to method for payments.  Mobile payments provide the same security as an EMV transaction but are done quicker.  Time equals money so you can see why most businesses prefer to go with mobile payments as their ideal payment method. According to experts adapting to mobile payments will be on the rise in the future.  So don’t wait be ready now to provide your customers with their preferred payment method.

How?  Here at Targeted Merchant Solutions, we have the answer-Clover Go.  Most businesses don’t have the luxury of sitting or just standing still. Clover Go is perfect for those that find themselves constantly moving all over.

Clover Go goes where you go and is always on hand.

It is the go-to point of sale system.  The security is the same for Clover Go as it is for the stand alone systems.  It accepts debit cards and credit cards either with swipe or the EMV chip.  All you need is a tablet or smart phone and the Clover Go and you are ready to start making money.  Along with accepting payments, Clover Go also can keep track of your business’ sales reports. You can also customize it to set amounts for tips as well as your tax rates.  In addition your customers can choose to have their receipts emailed or sent via text to them rather than a paper copy.  Your customers will thank you for being able to have a copy without the hassle of a paper receipt that might get lost or just stuffed in a wallet or the bottom of their purse.

Clover Go-works well with others.

Clover Go is a great addition to the Clover family.  With a Clover Go and a Clover Station your business will have everything covered.  Targeted Merchant Solutions is now offering a FREE Clover Go EMV Swiper with any Clover Station.  So don’t wait take advantage and let Targeted Merchant Solutions get your business ready.

How Can Clover Help Your Restaurant?

What is one of the top areas that Americans choose to spend most of their hard-earned money?  Food.  According to a recent study on cheatsheet.com, the average American household in a year will spend close to $3,000 on dining out.  This is good news for the restaurant business.  As a restaurant business owner getting customers to choose your establishment to spend their money is key.  Great food alone isn’t enough to ensure repeat business.  Customers expect exceptional service along with superb food.  Making sure your restaurant is excelling at both will boost your sales and encourage customers to return over going to another place to eat.

So what are some ways that you can improve the running of your restaurant?  Using a Clover device is the first step.  Targeted Merchant Solutions can get you set up in no time with a Clover device.  We have a variety of equipment to choose from.  The different ones available are:

Clover Station – Is a single countertop point-of-sale system that takes the place of multiple pieces of equipment.  This is your cash register, payment terminal, scanner, and printer all in one device.

Clover Mini – This is the smaller version of Clover Station.  Clover Mini is perfect for restaurants that have restricted space available.

Clover Mobile – This is ideal for restaurants on the move.  It can be used with the Clover Station or by itself.

Clover Go – The name speaks for itself; this is for restaurants on the go.  It works with a tablet or smartphone.

The next step in getting you on your way to increased sales is taking advantage of the Clover App Market.  There are some great apps available that were designed specifically for restaurants. You can’t go wrong with using any of the following apps.

Clavo Tables app

Helps keep track of all your tables and their activity.  Start using Clavo Tables and your managers will thank you.  It will show exactly what is going on at each individual table.  They will be aware if customers have been seated, ordered, and paid.

Clavo Waitlist

Is another app which works with Clavo Tables.  It allows your restaurant’s hostess to check in customers using simply their name and cell phone.  It provides better accuracy in wait times and it will text your customer when their table is ready.  It can also monitor how long a customer has waited, which in turn will aid in eliminating negative reviews from a customer that been forgotten about.

Clavo Order Pad

Assists in placing orders.  Those complicated orders are a breeze to take when using the Clavo Order Pad.  Now your waiters/waitresses can have the entire menu at their fingertips and will be able handle any off-the-wall order.

Do your restaurant a favor and start using a Clover device today; don’t miss out on all the advantages Clover App Market offers.  Give Targeted Merchant Solutions a call today.

Use Clover Apps to Save Money

If you are like most Americans, money is a topic always in the forefront of your mind. From buying groceries, to having gas in the car,  to ensuring a nest egg for retirement, worrying about money is one of the top stressors people face in today’s world, because let’s face it, money is the one thing that people will always need.  Having financial stability can reduce a large amount of stress, but sometimes that’s easier said than done. Most small business owners have reported that they did not have a large amount of startup money at their disposal when trying to launch their new business. Of course, stretching those available funds as far as possible is a top priority, so using credit is what most new business owners use to get their company up and running.  After all the hard work and long nights of getting your business off the ground, the next step is managing your money in the most effective ways. Learning how to properly handle your business’s money will in turn provide greater success.

So what are some steps that you can take to save time and money for your business?  It’s simple, Clover Apps.  Taking advantage of the different apps that are available on Clover devices is a sure way to increase profits.  If you don’t already have a Clover device Targeted Merchant Solutions is here to help, we are your Clover headquarters.  We have all the different devices available at the lowest costs.  If you aren’t using Clover as your point-of-sale system, don’t wait, call us today and start letting Clover do some of the work for you.

The App Market accessible on Clover devices gives your business a vast array of apps that are beneficial to any business. Adding the apps to your Clover device is simple and straightforward and gives you the ability to choose apps that will best serve the needs of your particular business. Thanks to Clover’s superb technology, once you add an app to once device it will sync on all your Clover devices, eliminating the need to add every app to each individual device.

Check out these apps that may be helpful for your company.

  • Cash Log:  Keeping track of cash can sometimes be difficult since most customers choose to pay with credit or debit cards.  The Cash Log app helps make that easier, because it keeps track of all transactions for you and allows more free time for you to focus on other aspects of your business, time is money.
  • Reporting:   A FREE app that supplies real-time data for your business.  This app is a great asset to any business, it provides metrics and detailed reporting about exact items sold as well as any discounts that may have been given. Having a precise record is a great way to help you manage your money.

There are many key components in maintaining a successful business, and the way businesses keep track of money and business transactions is at the top of that list. Start reaping the benefits of these amazing apps by letting them help manage your money for you.  So whether you already have a Clover point-of-sale system or you haven’t joined the Clover Family yet, Targeted Merchant Solutions can handle everything.  We have a trained staff that is only a phone call away.