PAYware® Mobile for the iPhone® is Here!
There are a TON of credit card processing apps in the iTunes® store for your business, but welcome to the first look at a way to swipe credit cards right on your iPhone®. The last time you were in an Apple® store and purchased something, the people in the store do your checkout right from their iPhones® and now you can do the same for your customers. This is a Payment Application Data Security Standard (PA-DSS) approved solution from the largest and most trusted name in credit card terminals, Verifone®.
PA-DSS Validated Mobile Application Supported Industries: Retail, Moto,
Restaurant
- Supported Payment Transactions, configurable via Gateway:
Sale, Pre-Auth, Voice-Auth, Credit, Tip Adjust, Void
- Customizable Receipt Email Capability
- Non-Sensitive Transactional Log
- AVS- Address Verification Support
- Real-Time Report/Inquiry with PAYware Connect
Last Transaction Processed
Transaction Search
Daily Summary
- Supports all Credit Processors on PAYware Connect
- Online Help
- Supported Devices: iPhone 3G, iPhone 3GS
- Supported OS: 3.0 and higher
When you first began accepting credit cards from your customers, the procedure likely seemed simple. You process the customer's payment, and your merchant account provider charges a few fees for the privilege. However, if you're like most small business owners, you may not have taken the time to read the entire agreement issued by your provider. That can cause problems.
Thousands of business owners routinely violate their merchant account agreements without realizing they're doing so. Unfortunately, this can jeopardize their accounts. If enough customers complain to the issuer about recurring violations, the issuer may close the account. Below, we'll provide a quick overview of 4 credit card processing rules that you must not break.
#1 - Minimum And Maximum Charges
A lot of retail business owners refuse to process credit card payments if the amount of the transaction is lower or higher than a given dollar figure. The reasons they impose minimum and maximum charges are understandable. For example, if a customer's purchase is only a few dollars, the merchant account fees generated by processing the payment may make the transaction unprofitable.
On the other hand, imposing a ceiling over which a customer's purchase cannot exceed seems to provide an added level of security against fraud. However, doing either is a violation of the provider's agreement.
#2 - Adding Fees
You might be tempted to charge your customers an additional fee if they choose to buy something with a certain type of credit card. This is actually a common practice with small retailers. They do it in order to recoup the fees charged by their issuing bank. As you might suspect, charging extra fees places you out of compliance with your provider's agreement.
However, this rule deserves clarification. As a retailer, you can charge your customers a convenience fee under certain circumstances. If you offer customers the flexibility of using their credit cards as an alternative method of paying for something that you don't normally provide, you can charge the convenience fee. Confused? Making matters worse, the major issuing companies (i.e. Visa, MasterCard, etc.) define "convenience fee" differently. Ultimately, check your agreement to make sure you stay in compliance.
#3 - Refunding Cash
This happens surprisingly often. A customer will purchase an item with their credit card and return it for a refund. However, they'll ask the retailer to refund the purchase in cash rather than making it to the card used for the purchase. Retailers will do so because they believe it is not a violation and there is no financial risk.
Both are untrue. Not only does it violate all merchant account providers' agreements, but it provides an opportunity for fraud.
#4 - Making The Payment Choice For Customers
The fees that are charged to retailers for the privilege of processing credit card payments vary between companies. Visa charges different fees than American Express. Discover charges different fees than MasterCard. Business owners will often tell customers which option to use for purchases in order to reduce the retailer's fees. This is a violation of the provider's agreement; customers must make the choice themselves.
Staying In Compliance
There are more rules hidden deeply in merchant account agreements than most small retailers realize. Even so, staying in compliance is essential. If you currently have a merchant account, it's worth spending time to review your agreement. On the other hand, if you're shopping for a merchant account provider, this is the ideal time to make certain you understand what you can and cannot do.
Remember, accepting your customers' credit cards and processing their payments is critical to your business. Don't risk that privilege by unwittingly falling out of compliance.
Six sexy Angelenos play the wildest most-uninhibited game of strip poker ever! With more footage of hot strip-poker action than they showed on cable!System Requirements:Running Time: 90 MinutesFormat: DVD MOVIE Genre: MATURE/ADULT Rating: NR UPC: 025493722697 Manufacturer No: PIP-DV7226
The Departures design is utterly unique and Brand New! Featuring international departures from Los Angeles International Airport, the departures Passport Cover reminds you as you travel that your next trip is right around the corner. This colorful piece of art is sure to accent your travel accessories. Very practical and handy can double as a card holder, carry credit cards, business cards and/ or ID's. Travel in style and make many friends while traveling with this great conversation starter. Measures 3.75" x 5.25" when closed, with two clear pockets inside. Handmade in Los Angeles.
This officially licensed trifold wallet is made of durable nylon and features a full size team logo printed on the middle fold. Complete with three sewn in pockets and four plastic display pockets, this high quality wallet has enough room for cash, change, pictures, and credit cards. Measuring approximately 4 7/8" x 3 1/8" when folded, a large velcro strip helps keep your wallet closed and contents safe. All of our items are brand new from the manufacturer, and have never been used. We have been in business since 1987 and have been selling online since 1999. We will be listing many more items in the days and weeks to come! Please come back to our Amazon store, and look for our other Sports Collector's items.
This officially licensed trifold wallet is made of durable nylon and features a full size team logo printed on the middle fold. Complete with three sewn in pockets and four plastic display pockets, this high quality wallet has enough room for cash, change, pictures, and credit cards. Measuring approximately 4 7/8" x 3 1/8" when folded, a large velcro strip helps keep your wallet closed and contents safe. All of our items are brand new from the manufacturer, and have never been used. We have been in business since 1987 and have been selling online since 1999. We will be listing many more items in the days and weeks to come! Please come back to our Amazon store, and look for our other Sports Collector's items.
Kia Carson, a Los Angeles district attorney with beauty, brains, taste, and style, is about to turn thirty-five. There's just one problem with her picture-perfect life -- she's not got one eligible man in sight. Well, thank God she has her career . . . at least until she gets suspended from her job. To regain her sense of purpose, she plans a restorative girl's night out -- all the way to Europe. In this fresh and funny Los Angeles Times bestseller, Kia embarks on what becomes a defining journey to London, Paris, and Greece, where she finds a little bit of trouble, a whole lot of laughs, and what she didn't even know she was looking for -- herself.
This officially licensed trifold wallet is made of durable nylon and features a full size team logo printed on the middle fold. Complete with three sewn in pockets and four plastic display pockets, this high quality wallet has enough room for cash, change, pictures, and credit cards. Measuring approximately 4 7/8" x 3 1/8" when folded, a large velcro strip helps keep your wallet closed and contents safe. All of our items are brand new from the manufacturer, and have never been used. We have been in business since 1987 and have been selling online since 1999. We will be listing many more items in the days and weeks to come! Please come back to our Amazon store, and look for our other Sports Collector's items.
UCLA - University of California - Los Angeles - Leather Passport Wallet - Made of soft Nappa Leather, zippered closure, outside ticket pocket. - Dimensions: 5" x 9 1/4" closed. Packaged in a gift box. - All items are custom assembled by our skilled craftsman, personally for you - Returns are Not Accepted for this item unless the item is defective.
Los Angeles is an amazing city with hundreds of things to do. One of the most popular activities is hitting the beach. But what beach should you go to? If you live in LA you can check them all out but if you do not live in LA, you probably do not have that much time. Here is some information on one of the more popular beaches, Dockweiler Beach.
Dockweiler beach is a three mile section of beach complete with a beachfront RV park. Visitors will find such niceties as showers, picnic areas, public restrooms and food vendors. Activities at the beach include bike trails, walking trails, skating, surfing and volleyball. If you do not have a bike or skates, don't worry, there are rentals available. If you have an urge to try something different, consider taking surfing or hang gliding lessons. Another great thing about this beach is that it is the only one in L.A where you can have an open bonfire.
This beach does have a few negatives, one of which is that it is very close to LAX airport so the sound of jets overhead can be distracting. You will learn to tune the noise out though. It also does not have the clearest water and you will be treated to the view of oil tankers anchored off of the coast. If you can get over that, it is still a great beach.
If you would like to get to Dockweiler beach, the address is 12000 Vista del mar and it is located in Playa del Rey. If you would like to reserve an RV spot, call 1-800-950-7275. Make reservations as far in advance as possible.
The author operates a site where you can find Los Angeles carpet cleaners. Learn about caret, upholstery and rug cleaning in Los Angeles.
The Pussycat Dolls perform When I Grow Up at Macy's Passport Los Angeles, 2008
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