Protect Your Business From Card Fraud

When the EMV liability shift made its debut in October 2015, it created a lot of buzz, but it also came with a lot of confusion.  What many small to medium sized businesses didn’t understand was that this shift would cause credit card thieves to target smaller businesses for their crimes.

Unfortunately, we have recently witnessed small businesses suffering monetary loss due to fraudulent card use, and it just proves that criminals are taking aim at small to medium businesses. These businesses accept EMV payments, so how are thieves bypassing this system setup to protect cardholders and businesses alike?  They are making their failed payment attempts look like terminal error causing a business to key-enter the card and eliminating the security steps needed for EMV transactions.

How they do it

After fraudulently obtaining a cardholder’s information, the criminals are creating their own “copy” of the card with a magnetic strip but no EMV chip.  When paying for a transaction, the card gets swiped and the terminal displays that the EMV chip must be inserted.  At this point, the employee completing the transaction will likely manually key in the card thinking the terminal has malfunctioned because this card clearly has no chip.  The transaction is approved, and everything seems fine until you get a chargeback notification for this payment.  Because of the EMV shift, it is now your business’ responsibility to cover any fraudulent transactions.  This means even if you dispute the chargeback with the appropriate information, you will not receive your funds.

Protect your business

As a business owner or manager, you can take many steps to ensure your business is protected from fraudulent card use.  Here’s a list of things you NEED to do to avoid losing potentially large amounts of money.

1. Make sure your EMV equipment is properly working.
Faulty equipment isn’t going to protect you in the event of fraudulent card use. You’ll want to be certain the technology is current and updated.
2. Educate your employees.
Train your team about card fraud and what can happen if they do not follow proper protocol in regards to transactions. If someone is genuinely trying to make a purchase, he or she will not mind providing another card or calling their card provider to determine the cause of any potential card read error.
3. Talk to your merchant provider about updates and current events regarding card acceptance and fraud.
This industry is constantly changing, and keeping an open dialogue with your provider will help you stay aware of potential risks and changes. Join our email list to receive occasional newsletters and information. We will gladly keep you in the know.

 

New in Clover®

One of the greatest advantages to the Clover® family is the fact that it is constantly evolving to better serve merchants.  The automatic updates allow for you to run your business without worrying about scheduling updates, or even having to pay to keep your POS system up-to-date.  Last week, our team learned about new Clover […]

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 […]

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.

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