As everything we purchase these days has seemed to go up in price, credit card processing services have become more necessary in all restaurants, retail stores and other establishments. But another place where credit cards are being accepted may seem a bit more strange: vending machines. So really? No one has 50 cents in their pocket to grab a can of soda anymore? Well, the problem is that inflation has hit vending machines as well, and that soda that used to cost 50-75 cents, now costs upwards of $2.00 in some locations.
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Credit Card Processing,
Credit Card Processing Services
When you are in a financial crisis, sometimes it may seem simpler to just take out a loan now, whatever the cost, and deal with any consequences later. However, it’s important to remember that making quick, uninformed financial decisions is probably what caused your initial financial problems. So when you decide to take out a personal loan, especially if your credit score is less-than-favorable, be sure to keep the following things in mind:
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Uncategorized
In today’s economy many people have lost their jobs, and many have struggled to pay bills, which often ends up adding more debt to their pile. Trying to get debt-free can be a hassle, it can cause headaches and arguments in the household. You need to sit down and make a spreadsheet of all your bills and daily expenses. Then, take into account what your paycheck averages and see where you can move some money around and what you can cut down on in order to save more money.
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Posted in
Credit Cards,
Debt Reduction,
Uncategorized
There are key things you need to look at before buying a house. I am going to discuss them in this article. First you need to truly understand that buying a house is one of the largest forms of debt you can acquire, so you need to make sure that buying a house is for you. Once you have made this decision, it is a big commitment and responsibility, so with that you need to make sure the following steps are taken before purchasing a home:
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Posted in
Financial Management,
Loans
Many businesses can quickly become overwhelmed with expenses when they first start, yet most businesses fail. Perhaps there is a correlation between money management and a business’s ability to succeed. This article has a few short tips to help get you over your financial hill so you can succeed in the long run.
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Posted in
Credit Card Processing Services,
Financial Management,
payment processing services
There is so much skepticism among people today about the safety of managing their finances online with third party companies in fear that computer hackers may obtain access to their information and be able to steal money form their accounts. This legitimate concern is the single greatest obstacle for financial service providers to overcome. So of course they are going to tell you it’s safe and secure, but is that really the case? Continue reading →
Posted in
Data Security,
Financial Management,
Money,
Security
Question:
Jennifer from KIRSCHENBAUM & KIRSCHENBAUM, P.C. was asked the following question:
Thank you for yesterday’s newsletter. I am really interested in collecting no-show fees but I’m concerned about keeping cards on file and charging for no-shows. What if the patients dispute the charges? What are my risks?
Thanks,
Dr. C
Answer:
Dr. C, thank you for the pragmatic follow-up. Unfortunately this falls outside my area, so I have asked Tom Aronica, President of Sky Bank Financial to comment. Tom has provided the following:
In recent years, the card associations have been becoming more strict regarding chargeback and dispute issues, requiring specific documentation to validate transactions. To protect against liability for disputes on no-show fees charged, the card associations recommend written approval from the customer with their acknowledgement of the fee along with an imprint of the clients credit card. Although we can fight these disputes without the imprint, it makes winning the case significantly more difficult. Also, when storing the card imprints and well as the cardholder information electronically, it is extremely important to make sure you are doing so within the guidelines of the Payment Card Industry Data Security Standard (PCI-DSS).
SkyBank Financial specializes in processing for doctor’s offices and medical practitioners and provides all the forms required by the card associations as well as best practices for accepting payment cards from your clients. In addition, we have a full service dedicated chargeback resolution department which will fight chargebacks and disputes on your behalf and we offer all clients a free virtual gateway which is fully PCI Compliant where you can store customers credit card information in a secure online environment. For a more detailed explanation or a free analysis of your current processing relationship, please contact SkyBank Financial at 800-617-9980 or visit our website at www.skybankfinancial.com.
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Q & A
We all need some extra cash sometimes, and many of those times, we don’t have anywhere to get it except to take out a personal loan. These are not always easy to obtain, especially if your credit is less than perfect, and they often come with unreasonable interest rates or short-term repayment periods. So how can you obtain the personal loan you need, with as little of the negative attachments? Here are some tips on how to do so:
1) Shop Around – As with anything that involves a large sum of money, it is good to shop around. Check out multiple companies, take notes and compare rates and fees. The lowest Continue reading →
Posted in
Loans
Unemployment often comes without reason or any warning. For these reasons, very few people are ever prepared for how to navigate the complex nature of being unemployed, back on the job market and somehow trying to maintain the bills and lifestyle they previously had. Hopefully you do have some money set aside that can get you through. Apply for unemployment if you qualify, and start looking for work. Hopefully it comes sooner rather than later, but in the mean time, use these tips to help you stretch any money you have left.
1) Buy Store Brands and Use Reward Cards – Most supermarkets offer some type of loyalty program. Their reward cards can allow you to save quite a bit of money on groceries. Also, don’t Continue reading →
Posted in
Debt Reduction,
Money,
payment processing services,
Prepaid Debit Card Program
We all know that how we used to save money is no longer relevant. The economy has been stuck in a downward spiral for many people for quite some time now, so the old tricks to save money are no longer good enough. There is a need for more relevant tips that consumers living in the year 2012 can abide by to save cash. Here are some of the best ones:
1) Do Not Be Ashamed to Use Coupons – It’s easy to remember the days when the 85 year old lady with 60 coupons in front of you was just the most obnoxious situation in the world. However, couponing has become so popular, there are even reality shows based completely upon it. The fact is, even the people that were not hit as hard by the economic woes of the past several years are still learning Continue reading →
Posted in
Credit Cards,
Debt Reduction,
Money
