Merchant Resources

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Resources to Help Run Your Business

We are pleased to offer further information on our products, as well as ideas to help you run your business. If you have topics you would like explored in a future blog post, please send us an email.

What to Know About the Correlation Between Your Personal and Business Credit

Having and using credit are virtually inescapable parts of life today. You don’t just utilize it to make purchases with a credit card machine as a consumer; credit is also an integral part of funding and running your business. Therefore, it is necessary that you understand the often complex relationship between your personal and business […]

Tips for Spotting Credit Card Skimmers

You have probably heard of credit card skimmers, the diabolical little devices that criminals attach to ATMs and other credit card scanners for the purpose of stealing card information and PINs. It’s almost enough to make you wary of the entire credit process. Instead of giving up the option to accept plastic at your business, […]

Managing Your Business During Off-Season Slumps

Any business that depends on seasonal customers must find ways to deal successfully with the dreaded off-season. Whether you sell boogie boards on the Jersey Shore, Christmas trees in Vermont or have any other enterprise that is more profitable at certain times of the year than others, it behooves you to make the most of […]

The Differences Between a Payment Gateway and a Virtual POS

The terminology attached to credit and debit card payments can be hard to decipher, particularly if you are new to the world of accepting plastic. Nevertheless, it is important to understand how specific products and services differ from each other before you sign your name on the bottom line of a contract. A case in […]

What you need to know about the EMV migration

The EMV transition mandate is just days away. As of October 1, 2015, merchants who aren’t using EMV-ready terminals will be held liable for any fraudulent credit/debit card transactions at their business. So it’s critical for business owners like you to update your equipment as soon as possible. If you have any questions about the […]

Loyalty Programs – A Year-Round Reason to Celebrate

  With graduations, Father’s Day and Fourth of July quickly approaching, this means it could be a very busy time for your small business. But it’s equally important to leverage these high-traffic periods for the long-term and convert a transaction into a relationship. One great way to do this is with Groovv Offers. Groovv Offers […]

EMV and five other ways to guard against credit/debit card fraud

In 2014, credit card fraud cost U.S. merchants $32 billion, a jump of $9 billion from 2013. This is one of the main reasons for the EMV mandate – to protect merchants and consumers alike from card thieves. EMV is the global standard for credit and debit cards, where embedded microprocessors are used instead of […]

Is Your Small Business Ready for Tax Season?

With April 15 just weeks away, small business owners like you are looking for ways to keep your taxes down, file correctly and steer clear of audits. The Small Business Administration, a part of the federal government that helps and protects the interests of small businesses, offers no shortage of information on their website ( […]

NFC, Mobile Wallet and Your Business (Part 3 of 3)

Our most recent blog posts have focused on helping you understand what NFC is and how it works in the mobile wallet. Additionally, we explained the growth of mobile payment and the benefits it can bring to your business. Now that you’re up to speed, you’re probably wondering how your company can get the equipment […]

NFC, Mobile Wallet and Your Business (Part 2 of 3)

In our last post, we discussed emerging NFC technology and how it’s changing the payment industry in the form of the “mobile wallet.” Industry experts predict massive growth of mobile payment platforms like Apple Pay over the next few years. But as a business owner, you’re probably wondering what are the benefits of this form […]

NFC, Mobile Wallet and Your Business (Part 1 of 3)

The payment industry is in the midst of a major transition. Driven by technological advancements and the power of the Internet, merchants and consumers alike are benefitting from faster and more secure transactions as well as a variety of new payment methods. The mobile wallet, where consumers pay just by using their cell phone, is […]

The ABCs of EMV (Part 3 of 3)

Now that we’ve discussed the history of EMV, the security it offers and what it means for your business, you’re likely wondering what you need to do to prepare for October 2015.  As a reminder, this is when all U.S. merchants will have a liability shift for chargeback protection if they are not using EMV-enabled […]

The ABCs of EMV (Part 2 of 3)

As we discussed in our most recent post, Total will be offering Ingenico Group’s terminals in our free terminal placement program.  This means our merchants will have access to the latest in EMV-enabled devices.  Using an embedded microprocessor instead of the traditional magnetic stripe, EMV has been extremely successful in reducing instances of fraud. Let’s […]

The ABCs of EMV (Part 1 of 3)

As you know, Total recently announced we’re offering Ingenico Group’s terminals in our free terminal placement program.  This means that merchants will now have devices that are EMV capable – delivering the latest in fraud prevention technology.  It’s also important to note that effective October 2015, all U.S. merchants will have a liability shift for […]

Social media and your small business

Social media is great tool to help small businesses grow. With the low barrier to entry (often times, free) and how easy it is to get started, companies can begin to set up their social media footprint in no time. But just because their Twitter, Facebook and LinkedIn pages are easy to set up, this […]

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