By Silver Bullet Logistics December 16, 2011
We needed out website updated, and Jason really took care of that, along with providing us with some serious SEO work. ...read more
By Civil Unrest Clothing November 21, 2011
Mindchip Industries offers great customer service, but more importantly, they get it DONE! My site is moving up the search engine rankings quickly due to their hard work! Excellent web design skills too! ...read more
By Super Happy Client!! September 26, 2011
Fast service, quality design work, Expert and specialist in Search Engine Optimization (SEO)!!! Would recommend to anyone! ...read more
The Credit Card Processing or Merchant Services Industry is made up of five major groups - Associations, Non-Bankcards, Issuing Bank, Acquiring Bank and Processors. Each of these groups plays a substantial role in the process. Associations: Visa, MasterCard and Discover Network each represent an association of member banks. These associations collectively represent thousands of banks who, in turn, represent millions of cardholders and merchants. 2. Non-Bankcards: Non-bankcards differ from the associations in that they rely on their own bank for the issuing of credit cards to consumers as well as processing the credit cards for business owners. Currently, the only non-bankcard is American Express. 3. Issuing Bank: An issuing bank is a member of one of the associations. Their role is to issue credit cards to consumers. When a consumer uses their credit to make a purchase, the issuing bank sends the money to the acquiring bank. They hold the risk of the consumer paying their credit card bill and for that they charge interest. 4. Acquiring Bank: The acquiring bank is basically the clearing house in the transaction process. They loan the money to a merchant for a credit card purchase until the issuing bank reimburses them. 5. Processor: A processor essentially oversees the flow of funds from the time a transaction is authorized until the merchant gets paid. There are many functions that take place to make this happen including the the approval of merchants for merchant accounts, programming credit card processing devices, encrypting debit PIN pads, monitoring transactions for risk,and ensuring the merchant gets paid. The processor has all the operational responsibilities. A processor must be sponsored into the associations by an acquiring bank. United Bank Card is a processor and is sponsored by First National Bank of Omaha.The Credit Card Transaction ProcessThere are two vital components to the credit card transaction process - Front-End Network and Back-End Network. Front-End Network -A front-end network is the communication network for authorizing and capturing a credit card transaction. Most front-end networks process transactions over the phone line, IP connection (i.e. DSL modems, cable modems, etc.) or via a wireless/satellite connection. When a credit terminal "dials out" it is connecting to a front-end network. The front-end certifies the transaction. Back-End NetworK -After a transaction has been authorized and captured by the front-end, it is then transferred to a back-end network. The back-end analyzes the transaction to determine what type of transaction it is (Credit card, check card, rewards card, etc.). There are over a hundred different types of credit crad transactions. The back-end then "scrubs" the transaction and determines what interchange it requires. The interchange essentially becomes the actual cost of the transaction. Finally, the transaction is "settled". At this point the back-end creates an ACH file so that the acquiring bank can pay the merchant for the sale and simultaneously submits a credit request through the association network for the issuing bank to reimburse the acquiring bank. The back-end network also performs other functions including generating merchants month-end statements, performing voice authorizations and managing consumer disputes. For questions regarding this article, merchant accounts, credit processing services and equipment contact CHARLES UDOFIA, United Bank Card, Arizona at 480-414-1378 www.unitedbankcardtempe.com ...read more
By United Bank Card Michigan February 26, 2011
Restaurant Solutions When running a restaurant, café, bar or nightclub, customer service is a critical element in sustaining a successful establishment. Providing fast, reliable payment options is not only an excellent way to maintain customer satisfaction and loyalty, but it also helps you clear tables so that more paying customers can sit down. United Bank Card offers a variety of payment solutions to accommodate all of your customers' needs, many of them specifically suited to the food services and hospitality industry.Adding tips, managing servers and generating custom reports are just a few of the many features that are simplified through United Bank Card's product offerings. Additionally, the Harbortouch POS System offers an affordable Point of Sale system with Hospitality Software tailored specifically for restaurants. Or, if you already have a POS system, UBC provides transaction processing services for virtually every terminal, software application and restaurant system in the industry and offers easy integration for merchants using Micros, PosiTouch, Squirrel, Digital Dining, Aloha, DataCap and other POS systems.QUICK SERVICE RESTAURANT (QSR) SOLUTIONSQuick Service Restaurants rely on quality, speed and efficiency to be successful and United Bank Card is the perfect partner for any QSR because we make these principles our number one priority. Our customer service and technical support departments operate 24 hours a day, 7 days a week, in order to provide you with assistance whenever you need it. Our payment processing equipment, and wireless terminals are specifically designed to process payments quickly, easily, securely and in a way that assures you the best possible return. Restaurant Solutions When running a restaurant, café, bar or nightclub, customer service is a critical element in sustaining a successful establishment. Providing fast, reliable payment options is not only an excellent way to maintain customer satisfaction and loyalty, but it also helps you clear tables so that more paying customers can sit down. United Bank Card offers a variety of payment solutions to accommodate all of your customers' needs, many of them specifically suited to the food services and hospitality industry.Adding tips, managing servers and generating custom reports are just a few of the many features that are simplified through United Bank Card's product offerings. Additionally, the Harbortouch POS System offers an affordable Point of Sale system with Hospitality Software tailored specifically for restaurants. Or, if you already have a POS system, UBC provides transaction processing services for virtually every terminal, software application and restaurant system in the industry and offers easy integration for merchants using Micros, PosiTouch, Squirrel, Digital Dining, Aloha, DataCap and other POS systems.QUICK SERVICE RESTAURANT (QSR) SOLUTIONSQuick Service Restaurants rely on quality, speed and efficiency to be successful and United Bank Card is the perfect partner for any QSR because we make these principles our number one priority. Our customer service and technical support departments operate 24 hours a day, 7 days a week, in order to provide you with assistance whenever you need it. Our payment processing equipment, and wireless terminals are specifically designed to process payments quickly, easily, securely and in a way that assures you the best possible return. ...read more
By United Bank Card Michigan February 18, 2011
Harbortouch With two customized POS systems, Harbortouch Hospitality and Harbortouch Retail, we can provide the ultimate tool to help make running your business easier and more profitable. STREAMLINE YOUR BUSINESS Harbortouch will simplify the way you manage your business by combining multiple operations into one easy-to-use application. Retail merchants will be able to manage inventory, set multiple pricing structures, integrate electronic payments, identify best selling items and monitor employee productivity. Harbortouch Hospitality will allow you to prepare orders more quickly, serve customers faster and reduce the time you spend on day to day office management. This system provides useful tools such as table tracking, a graphical table map, customized menus and multiple time keeping features. ADVANCED REPORTING Retail merchants will be able to take advantage of more than 30 interactive reports, which will provide detailed data about your entire store. You will be able to exchange this information with Microsoft Word, Excel, Outlook and Microsoft Accounting as well as Intuit QuickBooks®. Harbortouch Hospitality provides a wide range of real time reports to help you run your business more efficiently, including financial reports, discount receipts, manager voids, charge accounts, hourly productivity and refunds. Also, sales reports allow merchants to predict volume and schedule employees appropriately while order reports allow you to see which items are the most popular and which generate the most profit. EASY-TO-USE, RELIABLE HARDWARE The Harbortouch POS System is easy to use, easy to maintain and features an extremely durable, high clarity 15" touch screen display. It has a small footprint, allowing it to be placed anywhere in your business and its rugged design is built to resist water, oil, acids, dirt and other foreign particles. Additionally, unlike standard PCs, which generally last 2-3 years, the average life span for a Harbortouch POS System is 7-9 years. Each unit is tamper resistant and has been especially designed to stand up to the demands of even the most severe hospitality and retail environments, including extreme heat and humidity as well as power fluctuations and radio interference. Available peripherals include a Cash Drawer, Tilt Swivel Customer Display, Thermal POS Printer, Single Line Hand Held Scanner, Omnidirectional Scanner, Wireless Scanner, Kitchen Video Controller and Dot Matrix Printer as well as many other useful accessories. ON-SITE INSTALLATION&TRAINING; Our experienced installation professionals are certified to install your POS hardware and software so that your system will be set up correctly the first time. Harbortouch will also provide an extensive training session to ensure that you are able to utilize your POS solution from day one. ENVIRONMENTALLY FRIENDLY The Harbortouch POS System minimizes its carbon footprint over the entire lifecycle of the product, from its carbon neutral manufacturing at the factory through its low energy usage at your location. The low voltage CPU provides optimal performance with minimal power consumption and heat output, allowing you to save money and the environment. IMPROVE EFFICIENCY AND INCREASE SALES AT YOUR BUSINESS Contact your Harbortouch Sales Representative today and let us equip you with a dynamic POS system that will automate your daily management activities so you can concentrate on keeping your customers satisfied and spending. CONTACT CHARLES AT 480-414-1378 REGARDING THE FREE HARBORTOUCH POS PROGRAM. ...read more
By United Bank Card Michigan February 18, 2011
Small businesses can benefit from accepting credit cards. Credit card processing companies now recognize that you may need to take a credit card while away from your office and have made that easy to do with your phone. Credit card machines come in a number of sizes, and small businesses have a variet... ...read more
Making a living from home offers independence and unlimited potential. To improve a home business strategy, explore the areas of your business that might benefit from a change. Home office organization, marketing strategies or communication with clients may be areas in need of improvement. ...read more
