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Credit Card Processing Basics: 5 Tips for Success

By |January 22nd, 2020|Categories: Credit Card Processing|

Whether you’re just starting out as a business owner or have been doing this for years, the ability to accept credit cards is a must. That means that you’re going to need a credit card processor – but how can you be sure you’re choosing the right one for you?

Why You Should Be a Mentor

By |January 15th, 2020|Categories: Tips and Tricks, Uncategorized|

In a recent post we talked about why having a mentor isn’t necessary for your professional growth. We also mentioned that one of the ways to continue making progress in your career is to actually be a mentor to someone else. Here are three reasons why all leaders should be mentors to others.

6 Ways to Lower Your Credit Card Processing Fees in 2020

By |January 8th, 2020|Categories: Credit Card Processing|

Your business deserves to pay a fair price for your credit card processing. Many businesses overpay for credit card processing, often without even realizing it. Fortunately, there are a few things you can do to make sure that your credit card processing fees are as painless as possible.

Millennial Spending Habits: Where Do They Spend the Most?

By |January 1st, 2020|Categories: Tips and Tricks|

The word “millennial” has earned itself a bit of a negative reputation in the last few years. For the most part, this is completely unjustified – it’s pretty much the same thing that’s been happening for years, with one generation complaining about the next because they’re doing things differently.

Steve Ciabattoni Featured on Remarkable Results Radio

By |December 25th, 2019|Categories: Company News|

Our Co-CEO Steve Ciabattoni was featured this week on Carm Capriotto’s Remarkable Results Radio podcast. This was Steve’s third appearance on the show, and this time he had the opportunity to talk about our innovative Text-to-Pay feature for the automotive aftermarket.

Merchant Cash Advances Aren’t Perfect – Here’s Why

By |December 11th, 2019|Categories: Credit Card Processing|

When things get lean you may be tempted to look into other ways of bringing money into your business, including merchant cash advances. Think again – merchant cash advances may sound great, but they are more expensive in the long run.

America’s Aging Vehicle Population is Great News for the Automotive Aftermarket

By |December 4th, 2019|Categories: Tips and Tricks|

In 2019, the average vehicle age is 11.8 years – and this is fantastic news for the automotive aftermarket. Here are four reasons why more older cars on the road is cause for celebration.

Four Automotive Aftermarket Trends to Watch in 2020

By |November 20th, 2019|Categories: Technology|

Our team recently returned from SEMA and AAPEX, and we’re still trying to process it all! We always make sure we send someone over to AAPEXedu to listen to Mark Seng from IHS Markit give his take on the four top trends to watch for the automotive aftermarket in the coming year.

Five Big Takeaways from the 2019 SEMA Show

By |November 13th, 2019|Categories: Tips and Tricks|

Last week our team was out in force at the 2019 SEMA Show in Las Vegas. SEMA is a huge show in every sense of the word, and it can be a little overwhelming. We wanted to highlight five key takeaways from the show that will help you have a productive show next year.

Daylight Savings Time is Upon Us!

By |October 30th, 2019|Categories: Credit Card Processing, Technology, Tips and Tricks|

We want to connect with you as time falls back starting Sunday, November 3. Your credit card machine clocks need to be changed to ensure your transaction and batch settings continue to work like normal. We have created a few videos to walk you through changing the time on your machines.

How to Connect with Millennial Customers at Your Auto Shop

By |October 23rd, 2019|Categories: Uncategorized|

Millennials likely represent a significant and growing portion of your customer base. Their spending power is increasing, and if you’re not adjusting your business practices to align with their unique shopping habits, you’re going to start losing them to your competitors who are.

5 Productivity Hacks to Streamline Your Life

By |October 16th, 2019|Categories: Tips and Tricks|

Do you ever feel like you’re working like crazy but getting nothing done? If this describes you, your productivity probably isn’t where it should be. These five productivity hacks will help you make the time you spend at your business as efficient as possible.

Five Ways to Improve Auto Shop Efficiency

By |October 9th, 2019|Categories: Technology, Tips and Tricks|

In business, every wasted minute translates into dollars lost. Fortunately, there are probably some areas around your shop where you could stand to increase efficiency a bit. This post will cover five common ways to improve auto shop efficiency.

Surcharging? You’re Giving Away Your Profits

By |October 2nd, 2019|Categories: Credit Card Processing|

We know that no business owner likes to pay credit card processing fees. Recently we’ve been getting a lot of questions about surcharging, and we understand why. Today we want to focus on the dark side of the surcharging story – sleazy sales tactics.

5 Customer Touchpoints Your Auto Shop Must Improve Today

By |September 25th, 2019|Categories: Tips and Tricks|

How many customer touchpoints does your business have? The answer is more than you think. Every time your customer visits your business physically, calls on the phone, or searches on the web, you have the ability to influence their decision making process.

How Does AVS Help You Reduce Costs When Keying Cards?

By |September 18th, 2019|Categories: Uncategorized|

When a customer makes a card-not-present (CNP) transaction at your business (over the phone, ecommerce, etc.), how do you make sure that the transaction is legitimate? The AVS, or Address Verification Service, is one tool you can use to protect your business from credit card fraud online.

5 Business Growth Strategies You Can Use Today

By |September 11th, 2019|Categories: Startups, Tips and Tricks|

Every business owner wants to get ahead of the competition, and chances are you’re always on the hunt for new ways to do just that. Here are five of our favorite business growth strategies that you can put into practice immediately.

Four Ways to Transform the Customer Service Experience for Auto Shops

By |September 4th, 2019|Categories: Startups, Tips and Tricks|

The customer service experience for auto shops often gets overlooked. Shop owners work hard to make sure their technicians are skilled and knowledgeable so that vehicles get fixed the right way the first time. In order to keep customers coming back, however, there’s much more to it.

Ecommerce Basics for Busy Business Owners

By |August 28th, 2019|Categories: Technology|

While there’s still undoubtedly a place for shopping in-person in today’s world, it makes sense for business owners to consider exploring ecommerce as well. It can be difficult to know where to begin, however. We’ve put together this guide to help you think through some ecommerce basics before you get started.

How to Choose a Credit Card Processor

By |August 21st, 2019|Categories: Credit Card Processing|

You of course want to make a smart decision when choosing a credit card processor for your business, but you can’t do that if you don’t know what to look for. Here are five simple ways to make sure you choose a credit card processor that’s right for you.

Marketing 101: Digital Marketing Basics for Auto Shops

By |August 14th, 2019|Categories: Technology, Tips and Tricks|

The auto industry is built on trust, which leads many shop owners to overly rely on word of mouth for their new customers. What they’re missing is that marketing is key to not only bringing new customers in the door but to keeping current ones coming back. Make sure you understand these digital marketing basics.

How to Maintain Work-Life Balance as an Auto Shop Owner

By |August 7th, 2019|Categories: Tips and Tricks|

As a business owner – and especially as an auto shop owner – you probably spend a significant portion of your week at your business. It can be extremely difficult for auto shop owners to maintain a work-life balance, but it’s essential for the success of your shop.

How to Get More Customer Referrals: A Step-by-Step Guide

By |July 31st, 2019|Categories: Tips and Tricks|

Who are your best customers? Chances are they learned about your business through word of mouth from other happy customers. Customer referrals are like gold to business owners, and everyone wants more of them. How can you set up your business model where referrals keep on rolling in? We’ve got a few tips for you.

How to Bust Out of Your Summer Sales Slump NOW

By |July 24th, 2019|Categories: Tips and Tricks|

You might think of summer as the perfect time to sip umbrella drinks by the pool, but it’s also the perfect time to make your biggest sales of the year. How can that be possible? Here are our top tips to get over your summer sales slump ASAP.

5 Summer Business Growth Strategies You Can Use Today

By |July 17th, 2019|Categories: Startups|

It’s the summer, a time of year when many business owners complain about slumping sales and checked out customers. If this sounds like you, you might be searching for an extra jolt to get things moving again. You’re in luck. Here are five business growth strategies you can put into practice right now.

5 Ways Business Owners Can Save Money Without Going Crazy

By |July 10th, 2019|Categories: Startups|

Every business owner wants to save money – as they should! Even if your profits look great your business will suffer if your expenses are out of control. Here are five areas of your business where you’re probably overspending – and how you can trim the fat.

Secrets the Best Auto Repair Shops Know: Part 1

By |June 26th, 2019|Categories: Tips and Tricks|

There’s no shortage of auto repair shop options available for consumers who need maintenance done on their vehicle. How can you make sure they choose your shop over the others? The best auto repair shops excel in ten key areas. Take a look at the first five below – how does your shop stack up?

Cloud vs. Local Software – Which is Right for Your Business?

By |June 19th, 2019|Categories: Technology|

Many of our customers use business management software to help them, well, manage their businesses. These solutions come in two basic flavors – cloud-based and locally hosted. When you’re deciding on cloud vs. local software, here are four aspects of each you should consider.

Why Should My Business Accept Credit Cards? Here Are Three Top Reasons

By |June 12th, 2019|Categories: Credit Card Processing|

If your business does not yet accept credit cards, you’re missing out in a big way. You should stop for a moment to consider what you’re leaving on the table. Take a look at this article the next time you find yourself wondering, “should my business accept credit cards?”

5 Ways to Protect Your Business from Fraud

By |June 5th, 2019|Categories: Startups|

No business owner likes to think about fraud, but it happens more easily than you think. Criminals adapt quickly to changing security strategies and prey on unsuspecting business owners. The best way to protect your business from fraud is to keep from being an easy target. Here are five ways you can improve your defenses.

6 Ways to Take Your Auto Shop Customer Experience to the Next Level

By |May 29th, 2019|Categories: Uncategorized|

It can be hard to figure out how to get that edge, especially when the dealerships seem to be practically made of money. Fortunately, there are a few key principles you can follow to ensure that your auto shop customer experience is the best it can be.

Protect Yourself from Credit Card Processing Fraud

By |May 22nd, 2019|Categories: Tips and Tricks|

How much do you know about credit card processing fraud? This is what happens when a scammer gets ahold of your business information. They open a fake processing account in your name, set up some terminals, and funnel funds to their own bank accounts. Here’s what to look for so you can protect yourself.

4 Keys to a Great Auto Shop Customer Experience

By |May 15th, 2019|Categories: Tips and Tricks|

There’s a lot of competition in the automotive aftermarket these days. There are simple but strategic adjustments you can make to the way your shop does business that will dramatically change the way customers feel about you. Let’s take a look at four key ways you can create a great auto shop customer experience.

Finding the Perfect Credit Card Terminal for Your Business

By |May 8th, 2019|Categories: Credit Card Processing|

There are many different credit card terminals out there. The answer depends on a few factors, including how you generally take payments, the kinds of goods or services you sell, and even where you do business. Here are five common ways to accept credit card payments and the types of businesses best suited for them.

How to Attract and Retain Top Automotive Talent

By |May 1st, 2019|Categories: Startups, Tips and Tricks|

The automotive aftermarket is becoming increasingly competitive. Not only is your shop competing with the dealerships and other local shops for customers, you’re also competing for the automotive labor force in your community. How can you attract and retain top automotive talent? Here are four tips to help you do exactly that.

5 Bogus Merchant Services Fees Explained

By |April 24th, 2019|Categories: Credit Card Processing|

Merchant account services statements are complicated and confusing, and some processors take advantage of this to hide junk fees from unsuspecting customers. While you’ll never see these fees on a 360 Payments statement, it pays (quite literally) to be informed. Here are five bogus merchant services fees you should know about.

5 Ways Automotive Technology Will Transform the Industry

By |April 17th, 2019|Categories: Technology|

Today’s vehicles look and perform very differently from their predecessors. The automotive industry is undergoing another transformation in the 21st century, and this time it’s all about technology. In this post, we’ll cover five of the biggest advancements in automotive technology you need to be aware of in 2019.

4 Reasons to Take Advantage of A DVI Tool in Your Shop

By |April 10th, 2019|Categories: Technology|

The automotive industry has changed dramatically over the past decade. Cars and trucks are now computers on wheels, sensing and responding to all kinds of stimuli. This provides a wealth of information for the auto repair shop. How can you be sure that your shop is on the cutting edge of technological advancement?

6 Reasons Your Business Should Be Taking Text Payments

By |April 3rd, 2019|Categories: Partnerships, Press Releases, Technology|

360 Payments is proud to announce that we’ve made this a reality with our new Text to Pay product. This feature, currently exclusively available through our partners at BOLT ON and, is revolutionizing the credit card processing industry and the way that auto repair shops accept payments.

Is a Virtual Terminal Right for Your Business?

By |March 20th, 2019|Categories: Credit Card Processing|

Having a virtual terminal as a backup to your usual terminal can be a lifesaver if that terminal goes on the fritz. You can even use a virtual terminal as your sole credit card processing system – although there are some pros and cons to that approach.

Mapping the Automotive Customer Journey

By |March 13th, 2019|Categories: Tips and Tricks|

Getting new customers can be easier said than done. Do you know where your customers spend their time, both on and offline? Do you know how to reach them most effectively when they’re in those places? This article will show you how to effectively map the automotive customer journey so you can speak their language.

Five Essential Trade Show Tips for Your Business

By |February 27th, 2019|Categories: Tips and Tricks|

It’s trade show season, which means our team is traveling all over the country in matching shirts. We’ve been going to trade shows for years now, and we’ve definitely learned a thing or two along the way. Here are the top five trade show tips you need to know to have a successful event.

The Independent Auto Shop Owner’s Guide to Beating the Dealership

By |February 20th, 2019|Categories: Technology|

Dealerships do a great job of marketing their services to consumers – the posh experience, etc. The good news is that when you come right down to it, most consumers aren’t in it for the fancy extras. They want quality repair work done at a fair price – and that’s where the independent auto shop comes in.

Streamlining Event Rental Payments: 360 Payments Partners with IntelliEvent

By |February 13th, 2019|Categories: Company News, Partnerships, Press Releases|

360 Payments is proud to announce that IntelliEvent Event Rental Management Software has selected 360 Payments to be a preferred credit card processor. 360 Payments is a payments processor founded on the beliefs and core values of honesty and integrity. Partnering with IntelliEvent is the next step in this vision.

The Smart Shop Owner’s Guide to Servicing Autonomous Vehicles

By |January 30th, 2019|Categories: Technology|

Lately it seems like autonomous vehicles are in the news every day. As an auto shop owner, you have additional concerns regarding how you’re going to service these new and different vehicles. Don’t worry – we’ve put together a short guide to servicing autonomous vehicles to get you prepared.

Three Steps to Jumpstart a Stalled Business

By |January 23rd, 2019|Categories: Startups, Tips and Tricks|

Everyone has a bad day, a bad week, or even a bad month, but if your business slump is dragging on and on, it might be time to take a hard look at some of your business processes. Let’s take a peek at three common culprits when your business is underperforming.

Six Ways to Guard Against Vehicle Hacking

By |January 16th, 2019|Categories: Technology|

Our vehicles are increasingly becoming mobile computers. Infotainment systems, automated driver assistance packages, keyless ignitions, and many more features give us added convenience, but they come at a cost. Since high-tech cars aren’t going away anytime soon, here’s how to protect yourself against vehicle hacking.

The Top Three Reasons Your Software Needs Integrated Payments

By |January 9th, 2019|Categories: Technology|

If you’re like most software vendors, you’re probably always looking for ways to improve your product offerings and gain an edge on the competition. If integrated payments aren’t at the top of your list, they should be. Here are our top three reasons why your software needs integrated payments ASAP.

Understanding Interchange Fees

By |January 2nd, 2019|Categories: Credit Card Processing|

If you’ve looked at your credit card processing statement recently you’ve probably seen a reference to “interchange fees.” While you can’t eliminate interchange fees entirely, there are a few ways you can keep them as low as possible. We’ll review them in this article.

4 More Top Tips to Combat Online Credit Card Fraud

By |December 26th, 2018|Categories: Credit Card Processing|

A few weeks ago, we wrote a post covering five ways to protect your business from online credit card fraud. We promised a part two – and here it is! Once you’ve taken care of the tips and tricks covered in part one, take a look at these ways to improve your online security.

How Integrated Payments Are Changing the Way You Do Business

By |December 19th, 2018|Categories: Credit Card Processing, Technology|

At 360 Payments, we’re fortunate enough to partner with many different software companies to provide integrated payment services to their customers. What are integrated payments, you ask? Simply put, integrated payments bring your payment information directly into the business management software you use every day.

5 Essential Tips for Combating Online Credit Card Fraud

By |December 12th, 2018|Categories: Credit Card Processing|

Scammers are getting craftier all the time, and you have to think fast to stay ahead of them. Fortunately, there are some common-sense steps you can take to combat online credit card fraud. We’ll cover them in a two-part series (this is part one).

What to Do About a Credit Card Processing Rate Increase

By |December 5th, 2018|Categories: Credit Card Processing|

No business owner ever likes to see a credit card processing rate increase. After all, you work hard for your money – why should you part with any more of it than you have to? If you do see a rate increase on your next bill, don’t panic. Here’s how to respond.

Why Do Merchants Still Require Signatures for Credit Card Purchases?

By |November 28th, 2018|Categories: Credit Card Processing|

Earlier this year the four major credit card companies announced that they would no longer require customers to sign for their purchases, regardless of the dollar amount. The signature is a long way off from dead, however. We took a look at the top three reasons why merchants still require signatures for credit card purchases.

Top Five Ways to Get Rid of a Credit Card Processing Rep

By |November 13th, 2018|Categories: Credit Card Processing|

Our customers tell us it can be hard to get rid of a credit card processing rep, even when they tell them how happy they are with 360 Payments. We thought we’d help them (and everyone else) out and provide some ways to get reps out of your hair quickly.

Five Big Takeaways from the 2018 SEMA Show

By |November 7th, 2018|Categories: Tips and Tricks|

Last week our team participated in the 2018 SEMA Show in Las Vegas. We’ve had a booth at the SEMA show for the past few years, and it’s definitely become one of our can’t-miss events. If you weren’t able to make it, here are the five big takeaways all automotive aftermarket businesses should know about.

3 Critical Reasons to Invest in a Digital Vehicle Inspection Tool

By |October 24th, 2018|Categories: Technology|

At your auto repair shop, your technicians most likely perform an inspection on each vehicle that comes through the doors. But if they’re still writing their notes on paper, you’re missing an opportunity to make a larger sale. In this post, we’ll describe the three most important reasons to convert to digital vehicle inspections today.

The Pros and Cons of Credit Card Surcharging

By |October 10th, 2018|Categories: Credit Card Processing|

Nobody likes to pay credit card processing fees – we get it! It can be tempting to pass the cost of your credit card processing fees on to your customers – but is that a good idea? Let’s take a look at some of the main pros and cons of credit card surcharging.

3 Simple Ways to Accept Card Not Present Payments

By |October 3rd, 2018|Categories: Credit Card Processing|

Sometimes it just doesn’t make sense for your customer to make a payment in person. Offering ways to pay remotely can send your profits skyrocketing. In this post we’ll explore three common methods of accepting card not present payments so you can decide which one is right for you.

3 Reasons to Invest in Auto Shop Management Software

By |September 26th, 2018|Categories: Tips and Tricks|

We’re fortunate to partner with many excellent auto shop management software companies to help their customers process payments more efficiently. However, we’re often surprised by how many auto repair businesses still aren’t using an auto shop management software solution in 2018. Here are a few reasons to make the investment today.

Expanding the Vision: 360 Payments Opens Second Office

By |September 18th, 2018|Categories: Company News, Press Releases|

360 Payments is excited to announce that we have expanded to Oklahoma! In August 2018 we opened the doors to our second office in Tulsa and welcomed three new members to our team. Opening a second, midwestern location is the next step in our vision.

5 Tips to Get the Most Out of Your Next Auto Trade Show

By |September 12th, 2018|Categories: Tips and Tricks|

We’re gearing up for a busy fall full of auto trade shows, and we know that many of you are as well. We’ve been doing this whole auto trade show thing for a few years now, and we’ve learned a thing or two along the way. Here are our top tips for a successful show.

3 Investing Mistakes that Newcomers Make

By |September 5th, 2018|Categories: Tips and Tricks|

If you’ve chosen to start investing your money, we think we can say with some confidence that you have made a good decision. Investing could be the unsung hero of your future and can lead to consistent and rewarding financial benefits – but watch out for these investing mistakes!

How to Tell if You’re a High Risk for Credit Card Processing

By |August 30th, 2018|Categories: Credit Card Processing|

Being labeled “high-risk” in the credit card processing industry isn’t the end of the world, but it can mean higher processing rates or a little difficulty finding a processor to work with. Here’s how to tell if you’re a high risk for credit card processing.

How to Choose the Best Credit Card Processor for an Auto Repair Shop

By |August 28th, 2018|Categories: Credit Card Processing|

As we visit new shops and meet their owners, we’ve noticed some troubling trends in the way the auto repair industry accepts credit cards. Here are our top three tips to help you choose the best credit card processor for an auto repair shop.

It’s Not Too Late for Your 2018 Marketing Plan

By |August 16th, 2018|Categories: Startups, Tips and Tricks|

Now that there are only four and a half months left of the year, it’s time to take stock of your 2018 marketing plan. Are you on track to achieve your goals? Even if you haven’t done much in the way of marketing this year, there’s still time to capitalize on some trends.

The Data-Driven Business: How to Bend Analytics to Your Will

By |August 9th, 2018|Categories: Startups, Technology, Tips and Tricks|

Everyone loves to talk about data these days – and with good reason. Being data-driven means you make a hypothesis, test it out, analyze the data, and assess what to do differently next time. Here are some ways to start making data part of your everyday life.

The Complete Natural Disaster Business Checklist

By |August 7th, 2018|Categories: Tips and Tricks|

No one wants to think about a natural disaster endangering their home or business. You need a plan to ensure that your business is as protected as possible should the weather turn nasty. We’re prepared a natural disaster business checklist to help you get through it.

The Beginner’s Guide to Video Marketing for Your Business

By |August 3rd, 2018|Categories: Startups|

Video marketing is quickly becoming the next big thing for businesses and advertisers nationwide. However, creating and executing a video marketing strategy can seem overwhelming. Not to worry – we’ll walk you through this step-by-step guide to getting your new video marketing campaign off the ground.

4 Compelling Reasons Your Business Should Accept Credit Cards

By |July 31st, 2018|Categories: Credit Card Processing|

Cash-only businesses are a dying breed – but they still exist. However, businesses who are still refusing to accept credit card payments in 2018 are missing out. Let’s break down the top four reasons why your business should accept credit cards.

Asking for Identification for a Credit Card Sale: Should You Do It?

By |July 19th, 2018|Categories: Credit Card Processing|

We’ve fielded a lot of questions from our merchants recently about the rules and regulations surrounding asking for identification when a customer attempts to pay with a credit card. Let’s break down why and how you might want to ask for identification on a credit card purchase.

4 Reasons Remote Work is a No-Brainer for Your Business

By |July 17th, 2018|Categories: Startups|

More and more companies are embracing the remote work model – and with good reason. There are lots of benefits for businesses that choose to allow their employees to work from home, even just some of the time. Here are four reasons why you can’t afford not to consider this option.

Why You Should Care about Ohio v. American Express

By |July 12th, 2018|Categories: Credit Card Processing|

At the end of June, you probably heard a lot of news about Supreme Court rulings. On June 25 the Supreme Court narrowly sided with American Express in a case that impacts merchants, credit card processors, and the industry as a whole.

4 Ways Artificial Intelligence is Already Changing the World

By |July 10th, 2018|Categories: Technology|

Artificial intelligence, or AI, is a hot topic in tech right now. Most people, however, still think of artificial intelligence as some sort of far-future phenomenon that won’t really become mainstream in their lifetimes. These people would be shocked to read about these four ways that artificial intelligence is already changing the world.

Making Facebook Groups Work for Your Business

By |July 5th, 2018|Categories: Tips and Tricks|

There are countless ways to advertise these days, and countless marketing tools clamoring for your dollars. It’s hard to know where to spend your money. Here’s a novel idea – don’t spend it. There are plenty of free ways to grow your business, including Facebook groups.

Best Business Credit Cards for 2018

By |July 3rd, 2018|Categories: Tips and Tricks|

Our customers often ask us for our recommendations for the best business credit cards. The answer to that question honestly depends on what you’re looking for and what your credit score looks like. There are other considerations, too. Here are some of the best business credit cards to consider.

The Pros and Cons of an Open Office Plan

By |June 28th, 2018|Categories: Startups|

Open office concepts are all the rage right now. It seems like every hip Silicon Valley startup is bragging about their open layout, giving up cubicles in favor of spacious floor plans with few to no physical barriers. Open office layouts are social, collaborative, and fun, but they can also be loud, distracting, and invasive.

Definitely Not Surcharging: How to Properly Offer a Cash Discount

By |June 26th, 2018|Categories: Credit Card Processing|

We’ve written in the past about credit card surcharging and how it’s a gray area in terms of legality and whether or not it’s a great idea. What if we told you that there’s a very similar but distinct option available that has no legal issues? It’s called a cash discount – let’s take a look.

It’s Time to Say Goodbye to TLS 1.0 – Are You Ready?

By |June 14th, 2018|Categories: Credit Card Processing|

Big changes are coming to security for credit card transactions – are you prepared? At the end of June, all digital credit card transactions will be subject to additional encryption protocols to protect the card data. This is great news for your customers and for you – unless your payment system isn’t set up to support it.

Why Being Honest to a Fault is Always the Best Policy

By |June 12th, 2018|Categories: Company News|

The George Washington cherry tree story is one where the protagonist made a mistake and had to own up to it. Although we know we are certainly willing to own up to our mistakes, the important thing to remember is that mistakes have been made within the payments industry as a whole. Our honesty may not represent the entire industry, but it goes a long way towards cleaning up a long-existing stigma. By being honest to a fault, we earn the right to represent 360 Payments.

The New Rules of Website SEO Optimization

By |June 7th, 2018|Categories: Tips and Tricks|

Forget what you’ve learned about website SEO optimization in the past. Search engines are getting smarter, and your old SEO strategies aren’t doing much good anymore. In some cases, they may actually be hurting your site’s ranking in search results. Here are the five tips you need for successful website SEO optimization in 2018.

This is Scrappy, 360 Style

By |June 5th, 2018|Categories: Company News|

There is no college degree in credit card processing. We all started at the bottom in our company and got scrappy to learn everything about our industry with no manual. We made choices others were not willing to make and sacrificed the “normal” life for ourselves to be able to provide it for our future team members. We built everything out of nothing by digging deep.

New Owner Identification Requirements: What You Need to Know

By |May 31st, 2018|Categories: Credit Card Processing|

If you’re shopping around for a new credit card processor, you may notice a few new questions being asked on the application form. Starting May 1, 2018, the Financial Crimes Enforcement Network (FinCEN)’s new Customer Due Diligence (CDD) requirements for financial institutions are being enforced. Let’s break down the changes and what they mean.

Love at Work? Here’s Why It’s a Good Thing

By |May 29th, 2018|Categories: Company News|

Here at 360 Payments, we’ve put a fair bit of effort into defining what our values are so that we have something of a yardstick with which to measure our own actions. Among those values we’ve identified as most important to us is love. But does love belong in the workplace, and what does it even mean in this context? We believe that love absolutely does belong in the workplace, and below we hope to explore why we feel this way and what we think love means to the 360 Payments family.

The Ultimate Guide to Credit Card Decline Codes

By |May 24th, 2018|Categories: Credit Card Processing|

So you dipped a customer’s credit card, and it was declined. Ugh. In addition to a flustered and potentially indignant customer, you now have to figure out what to do. Here’s our cheat sheet to the decline codes your machine might produce and what to do about them.

Progressive Startup Culture: It’s Not What You Think

By |May 22nd, 2018|Categories: Company News|

Lots of organizations like to claim they are progressive. It’s one of those startup traits that’s so popular in Silicon Valley these days. But how many businesses really get it right? 360 Payments is a progressive company, without a doubt. How can I be so sure of that? Well, because they hired me.

Five Essential Tips to Survive an Open Office Plan

By |May 17th, 2018|Categories: Startups, Tips and Tricks|

So your company has made the decision to go with an open office plan. You’re already looking forward to more interaction with your coworkers and easier collaboration on shared projects. You might also have some trepidation, however, and rightly so. Open office plans can be overwhelming and distracting if you’re not used to them.

Debunking the Top 3 Myths About Leasing a Credit Card Machine

By |May 15th, 2018|Categories: Credit Card Processing|

Chances are at least one slick credit card processing salesperson has come into your business singing the praises of leasing your terminal. They probably fed you a lot of compelling lines to make you sign on the dotted line, but hopefully you were able to resist. Leasing your credit card terminal only benefits your processor.

How to Manage a Badass Remote Team

By |May 8th, 2018|Categories: Startups|

In 2018, flexible working environments are becoming more and more common. While offering flexible working arrangements is great for your employees (and ultimately great for your business), it can be hard to manage all those different people in all those different places. Here are four important tips to help make it easier.

Sales Reps Still Suck: More Tips to Cold Call the Right Way

By |May 3rd, 2018|Categories: Tips and Tricks|

Last week we published some tips to help sales reps stop being “the bad guys” in the eyes of business owners. This week we’re offering a few more – as an organization that employs quite a few outside sales representatives, we’ve thought long and hard about how we can help business owners without playing into stereotypes. Here’s what we’ve learned.

Everyone Is Talking About AI—But Do They Mean the Same Thing?

By |May 1st, 2018|Categories: Technology|

We are only beginning to discover the usefulness of AI applications. Amazon recently unveiled a brick-and-mortar grocery store that has successfully supplanted cashiers and checkout lines with computer vision, sensors, and deep learning. Between the investment, the press coverage, and the dramatic innovation, “AI” has become a hot buzzword.

Sales Reps Suck. Here’s How to Cold Call the Right Way.

By |April 26th, 2018|Categories: Tips and Tricks|

Every business owner’s worst nightmare is yet another salesperson walking in the door. They groan inwardly, torn between telling them to beat it immediately or hearing them out. Most salespeople don’t have any idea how to actually build relationships with potential customers. Salespeople, take note. This is how you do it right.

Has My Information Been Stolen in a Data Breach?

By |April 24th, 2018|Categories: Technology|

Hackers are getting smarter and smarter, and unfortunately business owners and software companies don’t always keep up. As hack after hack comes across our news feeds and TV screens, it can start to feel like there’s no way your data is still secure. While many companies reach out to affected consumers once a data breach occurs, it can be hard to keep up with it all. Here’s how you can figure out if your online account information has been stolen and take steps to make sure it never happens again.

Five More Ways to Launch a Business on a Shoestring Budget

By |April 19th, 2018|Categories: Startups|

Earlier this week, we posted an article about how to launch a successful business without a lot of cash. We received such a great response that we decided to publish a second installment, featuring more of our customers’ favorite tips for turning a few dollars into a successful venture.

Five Ways to Launch a Business Without Breaking the Bank

By |April 17th, 2018|Categories: Startups|

Most entrepreneurs start their businesses with little more than an idea and a few dollars. If you’re smart, dedicated, and a little bit lucky, you can turn these few dollars into a highly successful business. Here’s are the top five lessons our customers have taught us about starting a business on a shoestring budget.

Your Stress-Free Guide to Getting Rid of Toxic Customers

By |April 12th, 2018|Categories: Startups|

Earlier this week we posted an article describing how to tell if it’s time to fire a bad client. If you’ve decided it’s time to cut the cord with one of your customers, you may now be wondering how on earth to do that. This article will show you.

How to Tell When It’s Time to Fire Your Customer

By |April 10th, 2018|Categories: Startups|

As a business owner, you’re scraping for every dollar. However, there’s no reason you have to work with every customer that comes into your business, and you have the right to fire even longstanding clients if they start to become too much to handle. Here are some signs it’s time to cut the cord.

You Don’t Need Credit Card Signatures on All Transactions. Should You Require Them Anyway?

By |April 5th, 2018|Categories: Credit Card Processing|

On April 1, 2018, the payments industry said goodbye, at least in part, to an old friend. Businesses are no longer required to obtain signatures for chip card and contactless transactions, ending a practice that had become a punchline for businesses and consumers alike.

Are Accelerators the Secret to Building Truly Great Startup Hubs?

By |April 3rd, 2018|Categories: Startups|

Since Y Combinator’s appearance in 2005, accelerators have been viewed all over the world as magical catapults for taking tech startups to the next level. But are accelerators the silver bullet solution to turning a city, region, or country into the next Silicon Valley?

Don’t Sign That Contract! Here’s Why

By |March 29th, 2018|Categories: Credit Card Processing|

You should never sign a credit card processing contract. Period. Contracts are just an excuse for payment processors to overpromise and underdeliver once you’ve signed on the dotted line. At 360 Payments, we never ask our customers to sign a contract. Here’s why you should never agree to a contract for credit card processing.

Your Social Media Guide to Avoiding Fake News

By |March 27th, 2018|Categories: Startups|

Everyone is talking about fake news these days – and it’s getting harder and harder to tell the difference between what’s real and what’s not. How can you be sure that your brand doesn’t get sucked into the vortex, especially on social media? Here are five ways to ensure your brand stays authentic.

5 Ways Your Business Can Outsmart Hackers

By |March 22nd, 2018|Categories: Technology|

If you’re not focusing on your business’s cybersecurity in 2018, you’re putting yourself and your customers at risk. Fortunately, there are steps you can take right now to put yourself back on the right track. Here are six must-dos to protect your business from cyberattacks.

Why Your Restaurant Needs to Step Up Its Digital Payments Game

By |March 20th, 2018|Categories: Credit Card Processing, Technology|

Digital payments are taking the restaurant industry by storm. You may have already heard about – and maybe even used – some of the latest advances in your culinary explorations, but technology changes so rapidly that it can be hard to keep up. Let’s take a look at the current trends in digital payments for restaurants.

Chargeback Rules are Changing – Here’s Why That’s Great News

By |March 15th, 2018|Categories: Credit Card Processing|

Over the past month or so you may have seen a new message on your credit card processing statements. Changes are coming to the way Visa handles its chargeback and retrieval requests process, and we’re excited to share that it will significantly streamline the process for our customers.

Here’s Why No One is Reading Your Content

By |March 13th, 2018|Categories: Startups|

If you’ve read some of our other blogs, you know that we’re big advocates of creating quality content that informs and educates your audience. Sometimes, however, it can feel like you’re talking to no one. Here are four reasons why your content might be missing the mark and what to do about it.

PCI Basics: Your Essential Guide to Compliance

By |March 8th, 2018|Categories: Credit Card Processing, Technology|

We’ve written several blogs about PCI compliance recently, and we’ve had some requests that we take it back to the basics. In particular, our customers want to know what PCI compliance is, anyway? We're glad they asked! PCI compliance is an important part of your business's data security strategy, but it can get confusing.

5 PCI Compliance Myths That Are Totally Wrong

By |March 1st, 2018|Categories: Credit Card Processing, Technology|

There are a lot of myths out there concerning PCI compliance. Many business owners don’t really understand what PCI compliance means or why it matters. It seems like just another requirement – maybe even one you can ignore. We’ve heard all kinds of myths over the years. Don’t worry, we’re here to set the record straight.

How to Build a Totally Kickass Partnership Program

By |February 27th, 2018|Categories: Partnerships|

The team at Winworks was not looking for a new credit card partner. They had already invested significant time and energy into integrating with one processor, and while things weren’t perfect they were good enough. So when Marketing Manager Luke Folsom was approached by Steve Ciabattoni and Jesse Meddaugh from 360 Payments, he was surprised.

5 Business Security Essentials You Can’t Afford to Ignore

By |February 22nd, 2018|Categories: Technology|

Data security is a big deal for business owners, and if you’re not already taking steps to improve yours, you’re missing the boat. Fortunately, following a few commonsense tips will go a long way toward making sure that you’re keeping yourself and your customers safe.

The Top Three Reasons Why Your Business Needs a Social Media Strategy

By |February 20th, 2018|Categories: Startups, Tips and Tricks|

We all love our social media accounts. Increasingly, social media is how news is spread, how friends stay connected, and how businesses communicate with their customers. If your business doesn’t have even a basic social media presence, you need to get one set up right away.

The 360 Payments Guide to Credit Card Surcharging

By |February 15th, 2018|Categories: Credit Card Processing|

Credit card surcharging – the practice of assessing an additional charge or fee on transactions that are paid with a credit card – has become a hot button issue lately. This post will show you how to begin surcharging if you’ve already decided it’s right (and legal) for you.

7 Key Metrics All Business Owners Must Know

By |February 13th, 2018|Categories: Startups|

In today’s data-driven world, there’s no shortage of metrics for business owners to study. Every platform, software program, plugin, app, and vendor you use has an analytics dashboard to let you keep track of what’s going on with your business. You can deep in the weeds fast – really, really deep if you’re not careful.

5 Steps to PCI Compliance for Your Business

By |February 8th, 2018|Categories: Credit Card Processing, Technology|

Data security is a hot topic for business owners and customers alike. No one wants their credit card information in the hands of a criminal, and no business wants to be the one that put it there. Don’t worry, it’s not as painful as it sounds. Here’s how to stay PCI compliant without going crazy.

5 Technology Trends to Watch in 2018

By |February 6th, 2018|Categories: Technology|

If you’re looking for some new goals in 2018, why not make 2018 the year you really invest in technology for your business? We’re talking about investing in the technology that’s going to revolutionize the way you do business. Here are five tech opportunities you need to consider this year.

Surcharge Laws Are Changing. Here’s Why That Matters.

By |February 1st, 2018|Categories: Credit Card Processing|

Tired of paying exorbitant credit card processing fees? How can you avoid taking a hit each month on these fees? In some states, you can pass these fees along to your customers – but is this the right call? Let’s break down the pros and cons.

Gift Card Fraud: Is Your Business at Risk?

By |January 30th, 2018|Categories: Credit Card Processing|

If you’re like many business owners, you love the idea of gift cards. They’re easy to sell, make great impulse buys, and you get to pocket the money upfront without having to part with any inventory. However, with the rising popularity of gift cards comes a spike in fraud concerns. Here’s how to safeguard yourself.

Will the Sharing Economy Be the End of Your Business?

By |January 25th, 2018|Categories: Startups|

Everyone’s talking about the “sharing economy” these days. The sharing economy has caused renting to take off in a big way. But what if you’re a business owner who sells physical goods? Won’t the sharing economy spell disaster for your business model? Not so fast. Here’s how you can thrive.

Customer Service That Actually Cares: Why 360 Payments is Different

By |January 23rd, 2018|Categories: Company News, Credit Card Processing|

At 360 Payments, we love to talk about our great customer service. We think it’s one of the many things that sets us apart from our competition, and our customers agree. But it’s easy to brag – what does that really mean for you, a business owner? Here’s what you can expect from us.

Coming Soon: No More Signatures on Credit Card Receipts

By |January 18th, 2018|Categories: Credit Card Processing|

What if we told you that signatures on credit card receipts don’t really matter? In fact, the major credit card companies in the United States have all started to phase them out! Let’s take a look at what prompted this decision and what it means for you.

Stop Sending Terrible Follow-Up Emails

By |January 16th, 2018|Categories: Startups, Tips and Tricks|

The follow-up stage is where so many promising deals go to die, particularly because of email. Email is great because it lets you follow up quickly and frequently, but it’s also extremely easy to ignore. Here’s how to make sure that doesn’t happen to you.

Three Simple Ways to Crush Your Sales Goals This Year

By |January 11th, 2018|Categories: Startups, Tips and Tricks|

If you’re in a sales role in your company, no doubt you’ve got your targets for this month, quarter, and year all planned out. This isn’t an article about fancy hacks that’s going to change your life. It’s about the good old-fashioned things any salesperson can do to make this year their best one yet.

Your Guide to the New 2018 Tax Brackets

By |January 9th, 2018|Categories: Company News|

The tax code underwent some major changes recently. The flurry of House and Senate activity at the end of 2017 produced the Tax Cuts and Jobs Act. While the big topic of conversation among business owners was the hefty corporate tax cut, there have been changes for individuals as well.

MATCH List Misery: Here’s What Went Wrong

By |January 4th, 2018|Categories: Credit Card Processing|

Your credit card processing application was denied. When you contacted the potential processor to find out why, they told you it’s because your business is on the MATCH list. What does this mean? How did you get on the list, and how can you get off? We’ll answer those questions and more in this post.

The Top Ten 360 Payments Blog Posts of 2017

By |January 2nd, 2018|Categories: Tips and Tricks|

As we get ready to launch into a new year, we took a look back at everything we’ve written in this blog over the past year – and we’ve written a lot! Our readers have commented, shared, complimented, and complained. Here are our top ten posts of 2017, according to our readers.

3 Questions to Ask Your New Credit Card Processor

By |December 28th, 2017|Categories: Credit Card Processing|

Choosing a new credit card processor is a big decision. Before you make a final call, there are a few questions you absolutely must ask to make sure you’re getting the best deal possible for your business. Here are the top three questions to ask before signing up.

5 Marketing Trends You Can’t Live Without in 2018

By |December 27th, 2017|Categories: Startups|

Digital marketing changes so quickly that it can be hard to tell what you should focus your time and money on in the new year. We’ve taken the guesswork out of that. Here are five marketing trends to pay attention to in 2018 and how you can capitalize on them.

4 Steps to Better Payment Processing

By |December 21st, 2017|Categories: Credit Card Processing|

Taking payments from your customers sounds simple enough, but it can be pretty difficult to get customers to actually make a purchase. You can help remove the barriers customers face when shopping at your business. Here are four simple ways to do just that.

Five Steps to Planning Your Startup’s Best Year Yet

By |December 19th, 2017|Categories: Startups, Tips and Tricks|

If you haven’t started planning for 2018 for your business yet, well, you’re a little behind. Don’t despair – there’s still time to get a game plan together for the coming year. Block off a few hours on your calendar and get to work. These five tips will help you plan your best year yet.

Four Fintech Trends to Watch in 2018

By |December 14th, 2017|Categories: Technology|

It’s been a big year for the financial industry! From Bitcoin making itself known to the high-profile Equifax breach, there have been many highs and lows. What can we expect going into 2018? In this article we’ll take a look at four emerging trends that will have a big impact on our industry next year.

The Business Holiday Shopping Survival Guide

By |December 7th, 2017|Categories: Startups, Tips and Tricks|

The holiday shopping season is in full swing – is your business ready? This is a busy time of year for our customers in many industries, which means extra revenue but also extra stress. Do these five things to get ready, even if you do nothing else.

The Startup’s Guide to Bitcoin Basics

By |December 5th, 2017|Categories: Technology|

Bitcoin is all the rage right now (just like blockchain), but how many entrepreneurs really know what it is? Simply put, bitcoin is a decentralized digital currency that isn’t regulated or owned by any one country or bank. We’ve gathered the top facts you should know to get a deeper understanding of this cryptocurrency.

Why Banks Are Betting Big on Blockchain

By |November 30th, 2017|Categories: Technology|

“Blockchain” is one of the hottest buzzwords in tech this year, and it’s on its way to disrupting numerous industries. Most notably, banks and other financial institutions are starting to show interest. The financial services industry is notoriously slow to innovate so this is a big deal.

4 Ways to Raise Entrepreneurial Kids

By |November 28th, 2017|Categories: Startups|

Entrepreneurs are a rare breed, with a unique combination of ambition, determination, courage, and a little crazy all mixed together. Many entrepreneurial traits are certainly very desirable, for adults and children alike. Fostering these values at an early age is important to raising kids who will be successful business owners and employees in the future.

Chargebacks vs. Retrieval Requests: What’s the Difference?

By |November 22nd, 2017|Categories: Chargebacks|

We’ve written several blogs about chargebacks recently. Why have we devoted so much time to this topic? Because while hopefully chargebacks won’t happen all that often, when they do they can dramatically affect your business. We’re going to dive into the topic again today, and we’ll also introduce you to a related issue – retrieval requests.

13 Tips to Guard Your Business Against Chargebacks

By |November 21st, 2017|Categories: Chargebacks|

Chargebacks can be a major hassle for business owners, and they can really hurt your bottom line. When a customer disputes a charge with their bank and the money is returned to that customer, they get to keep the merchandise and you get to pay a chargeback fee to the bank – ugh!

4 Ways to Choose the Wrong Credit Card Processor

By |November 16th, 2017|Categories: Credit Card Processing, Tips and Tricks|

Choosing a credit card processor to work with your new business can be a challenging task, but it’s one you have to take seriously. We’ve written a few blogs in the past on how to choose the right one, but in this article we’re focusing on what NOT to do.

Why Hiring Veterans is a No-Brainer

By |November 14th, 2017|Categories: Startups, Uncategorized|

As our nation celebrated Veterans Day last week, I took some time to reflect on the traits that veterans embody that make them tremendous assets to any team. Here are just a few of the reasons I believe taking a chance on a veteran isn’t really taking a chance at all.

Your Guide to Conquering Chargebacks

By |November 9th, 2017|Categories: Credit Card Processing|

Accepting credit cards is a wonderful feature for businesses to offer their customers, but it does come with risks. One of those risks is the threat of a chargeback. Let’s dig a little deeper into what happens during a chargeback and how you can protect yourself.

4 Reasons to Start a Gift Card Program in Time for the Holidays

By |November 7th, 2017|Categories: Credit Card Processing, Tips and Tricks|

During the holiday season, gift cards are all the rage. They make quick gifts for when shopping time is limited and are the perfect choice for that notoriously hard to shop for someone. If your business is not already offering gift cards, you should probably at least consider them. Here are four reasons why.

Is Next Day Funding Right for Your Business?

By |November 2nd, 2017|Categories: Credit Card Processing|

One common bonus that credit card processors use to earn your business is the promise of next day funding. It sounds great – make a sale today and get your money tomorrow – but it’s not without tradeoffs. Here’s how to decide if next day funding is really for you.

4 Traits Your Credit Card Processor Must Have

By |October 31st, 2017|Categories: Credit Card Processing|

Choosing a credit card processor important. You’re not just choosing a vendor, you’re picking a partner who will guide you through the complex and sometimes overwhelming world of credit card transactions. Price is obviously a consideration, but it’s far from the only one. Here are four other factors you should take into account.

Virtual Terminals: Are They Right For You?

By |October 26th, 2017|Categories: Credit Card Processing, Technology|

Accepting credit card payments is a straightforward process for most brick-and-mortar businesses – purchase a countertop or mobile credit card terminal and swipe away. Ecommerce stores require a payment gateway and a shopping cart instead of the physical terminal. What about businesses that don’t fit neatly into either category? A virtual terminal may be the answer.

5 Business Relationships to Reevaluate Today

By |October 24th, 2017|Categories: Credit Card Processing, Startups|

Starting a business means making a lot of decisions at once. Once you find your groove, however, it’s time to reevaluate some of the decisions you made, particularly with respect to the vendor relationships you’ve built. Here are five key partnerships to review ASAP – you may find significant savings!

5 Pitfalls New Retail Entrepreneurs Must Avoid

By |October 19th, 2017|Categories: Credit Card Processing, Startups, Tips and Tricks|

Opening the doors to your brand-new retail store is an exciting time. We don’t want to burst your bubble, but we do want to be sure you’re taking care of the details so your business can thrive. Here are five common mistakes we see retail entrepreneurs make in their early months.

The Beginner’s Guide to Business Blogging

By |October 17th, 2017|Categories: Startups, Tips and Tricks|

You know that your brand’s reputation is important and that being seen as a reputable source of information in your industry is invaluable. How can you accomplish these goals at once? It’s as simple as starting a blog. We’ll walk you through how it’s done.

3 Vital Technology Tips for New Entrepreneurs

By |October 12th, 2017|Categories: Startups, Technology|

Congratulations, new business owner! You’ve taken the plunge and launched your very own startup. There’s a lot going on and a thousand things to think about, but this is actually a great time to be starting a brand-new company. Here are three big struggles entrepreneurs face, and the technology solutions that will help you succeed.

5 Steps to Launching Your First Startup

By |October 11th, 2017|Categories: Startups, Tips and Tricks|

We all have hobbies and passions. They fulfill us, energize us, and restore us when we’re disenchanted with life. Most of us would love to quit our day jobs and pursue our passions full-time – but how? Here are our top five tips for making your startup dream a reality.

The Smart Startup’s Guide to Credit Card Processing Levels

By |October 5th, 2017|Categories: Credit Card Processing|

Credit card transactions are not all created equal. There are three levels of credit card processing (Level 1, Level 2, and Level 3), and which one a particular transaction falls under depends on the type of card used. Depending on your business, you may encounter all of these types. Here’s what you need to know.

The Customer Isn’t Always Right: Avoiding Forced Transaction Scams

By |October 3rd, 2017|Categories: Credit Card Processing|

This kind of credit card fraud preys on well-meaning cashiers and business owners who want to believe that “the customer is always right.” When the customer steps aside and pretends to call their card issuer, they are likely calling no one at all.

5 Reasons You Need to Reply to Yelp Reviews

By |September 28th, 2017|Categories: Startups, Tips and Tricks|

Regardless of your feelings on the issue, consumers are still going to leave Yelp reviews, and you really should respond to them. Here are the top five reasons you need to start taking customer reviews seriously, both positive and negative.

Everything You Need to Know About Credit Card Surcharges

By |September 26th, 2017|Categories: Credit Card Processing|

Have you ever visited a business and seen two prices posted for the same product or service – a cash price and a credit card price? Charging customers a bit extra to pay by credit card is a way for business owners to fight back against the credit card fees that cut into their bottom lines.

Why Was My Credit Card Processing Application Denied?!

By |September 21st, 2017|Categories: Credit Card Processing|

Applying for a new credit card processing account can be a nerve-wracking experience, especially for first-time business owners. The approval process often seems arbitrary, and you may not have a lot of answers if your application gets denied. We’ll explain some of the main reasons why applications get declined, and what you can do.

4 Ways to Fight Back After the Equifax Breach

By |September 20th, 2017|Categories: Tips and Tricks|

In recent weeks, the public learned that the sensitive, private data of 143 million Americans (about half the US population) was left vulnerable to hackers by Equifax, one of the three main credit bureaus. If you’re wondering what steps you can take to protect yourself, take heart. Our guide will show you what to do.

8 Reasons to Stop Hating Yelp

By |September 14th, 2017|Categories: Startups, Tips and Tricks|

We talk with dozens of business owners every day, and if there’s one thing we hear a lot it’s that Yelp is not a fan favorite. It’s time to take a step back and reconsider Yelp. Here are the top eight reasons why playing the Yelp game is essential to business success.

Gateway Basics: Finding Your Perfect Payments Match

By |September 12th, 2017|Categories: Credit Card Processing, Technology|

A payment gateway is an important part of a credit card transaction. There’s no shortage of options available, but unfortunately many gateways limit your flexibility to choose which payment processor you will work with or which terminal you will use. An agnostic gateway (like 360’s Velox solution) is the way to go.

Leasing Your Credit Card Terminal is a Terrible Idea

By |September 7th, 2017|Categories: Credit Card Processing, Technology|

Unless you sell your products and services totally online, you’re going to need a credit card terminal to process transactions. You’ll likely be faced with the choice to buy or lease. Hefty upfront costs could tempt you in the direction of leasing, but don’t be fooled. Leasing a terminal isn’t the right answer – here’s why.

7 Steps to the Perfect LinkedIn Profile

By |September 6th, 2017|Categories: Tips and Tricks|

A few weeks ago, we wrote a post about the importance of having a LinkedIn profile, no matter what industry you’re in. Building and maintaining an effective profile is easier said than done, however. We’ll show you seven areas of your profile that you should focus on to set yourself apart on LinkedIn.

Credit Card Minimums: Will They Work for You?

By |August 30th, 2017|Categories: Credit Card Processing|

Credit card fees aren’t fun to pay – we know that as well as you. Consider a minimum purchase requirement to eliminate or minimize the number of sales on which you lose money. While not the right fit for every business, minimum purchase requirements can help ease the burden of credit card fees.

Got a Contract? Here’s Why You Can Switch Payment Processors Anyway

By |August 29th, 2017|Categories: Credit Card Processing|

If you’ve had it with high rates, hidden fees, and customer service that runs and hides when a problem arises, you might be thinking about switching to a new credit card processor. Here’s why a contract isn’t a death sentence for your plans to jump ship.

Forget What You Think You Know About American Express

By |August 24th, 2017|Categories: Credit Card Processing|

I have worked in the credit card processing industry since I was 21, and while in my early years I was naïve about many things, it was always clear that business owners didn’t like American Express. In fact, many businesses outright refused to accept it! What’s wrong with American Express? Is its bad reputation well-deserved?

Why LinkedIn Matters More Than Ever

By |August 22nd, 2017|Categories: Tips and Tricks|

Your online profiles say a lot about you. From Facebook to Twitter to Instagram, the snapshots of your life that you choose to share with the world give your audience a distinct impression of you. Having and maintaining a LinkedIn profile is a must for your career, no matter what industry you’re in.

There’s a New Show in Town: 360 Payments Partners with VBO Tickets

By |August 17th, 2017|Categories: Company News, Partnerships, Press Releases|

360 Payments is thrilled to announce that VBO Tickets has chosen 360 Payments as an endorsed payment processing partner. Partnering with VBO Tickets is part of our ongoing mission to revolutionize the payments industry for our customers.

Build the Perfect Online Business with These 6 Tips

By |August 15th, 2017|Categories: Technology, Tips and Tricks|

More and more shopping is taking place online, and entrepreneurs are itching to get a piece of the action. Looking for ideas on how to launch the perfect online business? You’ve come to the right place.

It’s Time to Stop Ignoring Mobile Payment Apps

By |August 10th, 2017|Categories: Credit Card Processing, Technology|

Mobile payment applications like Apple Pay, Samsung Pay, and Android Pay are generating a whole lot of buzz these days – but should you pay attention to it? Let’s take a look at five reasons why mobile payment providers are feeling optimistic.

Startup Survival Guide: 6 Tips for New Entrepreneurs

By |August 8th, 2017|Categories: Startups, Tips and Tricks|

So you’ve decided to take your career into your own hands by starting your own business. Congratulations! With lots of hard work and devotion to making your customers happy, you’ll find your own path to success. Follow these six simple steps to starting your business in the right direction.

Why Your Business Needs a Multichannel Sales Flow Now

By |August 3rd, 2017|Categories: Credit Card Processing, Technology|

In today’s busy and tech-driven world, consumers research and shop for products and services using a multitude of channels. How can you leverage today’s multichannel sales world to increase your revenue? It all starts with payments.

10 Smart Ways to Protect Your Intellectual Property

By |August 1st, 2017|Categories: Startups|

You’ve got a great idea that’s going to revolutionize your industry. All you have to do now is build your business before someone else does. Here are ten ways you can keep your intellectual property from becoming someone else’s success story.

Helping Our Customers Thrive: 360 Payments Partners with Winworks Auto Shop Management Software

By |July 27th, 2017|Categories: Company News, Partnerships, Press Releases|

360 Payments is proud to announce that Winworks Auto Shop Management Software has selected 360 Payments to be a preferred credit card processor. 360 Payments is a payment processor founded on the beliefs and core values of honesty and integrity. Partnering with Winworks is the next step in this vision.

LLC vs. Corporation: Which is Right for You?

By |July 25th, 2017|Categories: Startups|

Congratulations! You’ve come up with the perfect startup idea, and you’re ready to launch your brand-new company. But should you form your entity as an LLC or a corporation? You’ll need to choose the right type of business entity to protect yourself and keep your taxes low.

Three Reasons to Choose a Middleware

By |July 18th, 2017|Categories: Credit Card Processing, Technology|

Sometimes, the various sides of the payment industry don’t play well together – for instance, your dream POS system that meets all your needs may only be supported by one or two processors, significantly limiting your choices for with whom you can partner. That’s where middleware comes in.

The Number One Secret to a High-Performing Team

By |July 13th, 2017|Categories: Startups, Uncategorized|

The concept of employee morale is the belief that employees deserve to be satisfied with their jobs. It’s is a combination of how employees feel about their job positions, whether they feel respected by their managers, and how happy they are throughout the day while they’re at work.

Ten Ways to Make Online Payments a Breeze

By |July 11th, 2017|Categories: Credit Card Processing|

Customers are abandoning their online shopping carts at an alarming rate – nearly 70% of the time, to be exact. The key to cutting down on cart abandonment on your site is making payment as easy as possible. Here are our top ten tips for streamlining the process.

5 Tips for Steering Clear of Phishing Scams

By |July 6th, 2017|Categories: Startups, Technology, Tips and Tricks|

It’s not your imagination – today’s cybercriminals are getting smarter. And even though everyone thinks they are tech-savvy enough to identify a phishing scam when they see one, that’s not always the case. In fact, Verizon’s 2016 Data Breach Investigations Report found that a whopping 30 percent of phishing emails are opened by the recipient.

You’re Hiring the Wrong Team – Five Steps to Fixing It

By |July 5th, 2017|Categories: Startups|

Conventional hiring practices have always favored outgoing employees who excel at group work. These outdated ideals cut out brilliant candidates who would make exceptionally valuable employees. Think outside the box when you’re on the lookout for high-performing team members. That’s the only way to find the hidden talent that other employers so callously reject.

How to Say No Like Steve Jobs

By |June 29th, 2017|Categories: Startups, Tips and Tricks|

Entrepreneurs and innovators are always pushing forward, always saying yes, and often getting in too deep. Steve Jobs understood the importance of saying no to the thousands of things that don’t matter so you can focus on the ten you and your team have identified as crucial to your mission.

360 Payments is A Different Kind of Credit Card Processor

By |June 27th, 2017|Categories: Company News, Credit Card Processing|

In today’s fast-paced business world, it’s easy to get caught up in the newest apps and forget about people. Technology connects us like never before, but it also makes it easier to hide behind computer screens, separating us from each other. The credit card industry is no exception – it’s suffering from a transparency crisis.

10 Steps to Your Most Productive Day Ever

By |June 22nd, 2017|Categories: Startups, Tips and Tricks|

Everyone gets 24 hours a day - even the busiest entrepreneurs. If you want to get ahead, master the art of managing your time. When you manage it poorly, you can never relax. You might feel busy, but you won’t actually get much done until you learn to use your time purposefully.

Four Ways to Dominate Your Ecommerce Sales

By |June 20th, 2017|Categories: Credit Card Processing, Startups, Technology, Tips and Tricks|

When it comes to ecommerce, you have plenty of options – sometimes too many. From security to shipping to payment processing, there’s a lot to think about! As you’re designing your perfect ecommerce site, you’ll need to decide how you want to collect and process payments. We break down four options to help you decide.

5 Reasons Your PCI Compliance Scan Failed – And What to Do About It

By |June 15th, 2017|Categories: Credit Card Processing, Technology|

PCI compliance is a term that often fills business owners with dread. While maintaining PCI compliance is essential for protecting your business and your customers from fraud, it can be aggravating if your system receives a failing grade on its quarterly scan. Here are five common reasons your scan might have failed.

Crush Your To-Do List Without Going Crazy

By |June 14th, 2017|Categories: Startups, Tips and Tricks|

First things first: learn the difference between busy and productive. Being busy means packing as much work as possible into your workday. Being insanely productive means completing big, important tasks without hesitation. Productivity is about being mindful of the work you take on, having few priorities, and making time, instead of managing it.

Before You Take Out a Business Loan, Read This!

By |June 7th, 2017|Categories: Credit Card Processing|

The credit card processing industry is in desperate need of an overhaul. There’s a distinct lack of transparency, and credit card processors and banks alike often hide behind complex regulations and legalese to take advantage of customers. These attempts to hide the truth are frequently illegal and always inappropriate.

Stop Stalling! Launch Your Dream Startup Right This Minute

By |June 1st, 2017|Categories: Startups, Tips and Tricks|

If the only thing holding you back from going after your entrepreneurial dream is the high cost of launching a startup, don’t panic. Starting a new company doesn’t require millions of dollars. If you’re willing to start small and make sacrifices when you need to, you can launch your startup on a shoestring budget.

Your Guide to Becoming a Pre-Authorization Master

By |May 30th, 2017|Categories: Credit Card Processing|

Business owners have a lot to keep track of, and your credit card transactions are no exception – there are fraud concerns, customer satisfaction issues, and processing costs to worry about. Understanding and using credit card pre-authorizations to your advantage just might be the best business move you’ve made all year.

Capture vs. Authorization: Here’s What You Need to Know

By |May 25th, 2017|Categories: Credit Card Processing|

If you’re a business owner who accepts credit cards, you’ve likely heard the terms “authorization” and “capture” before, but how much do you know about the delay between them? Let’s talk some more about this very important step in the credit card process.

Stressed at Work? That’s Not Always a Bad Thing

By |May 23rd, 2017|Categories: Startups, Tips and Tricks|

As a nation, stress is kicking our butts. Anywhere from 75% to 90% of doctor visits are stress-related, and our busy workspaces and overpacked schedules are to blame. And yet, you can’t help but notice that easy-breezy coworker who thrives under stress. How do they do it? Better yet, how can you do it?

The Ultimate Startup Ethics Cheat Sheet

By |May 18th, 2017|Categories: Startups, Tips and Tricks|

It doesn’t take a news junky to realize that many of Silicon Valley’s top startups have serious challenges with ethics. Whether you’re talking about the latest “Uber firestorm” or the data concerning women and minorities holding down jobs, the landscape is not pretty. It has led some to describe the problem as potentially fatal.

From Prototype to Profit: How to Turn Your Ideas into Products

By |May 11th, 2017|Categories: Startups|

Ever since that time you woke up in the middle of the night with your life-changing idea, you haven’t been able to get it out of your mind. You know you can build a better mousetrap, so to speak. If this describes you, it’s time to make a plan to turn those dreams into reality.

Your Startup Needs Design Thinking Right Now

By |May 4th, 2017|Categories: Startups, Tips and Tricks|

Popularized by David Kelley who founded design firm IDEO that developed a human-centered approach to driving innovation to organizations, the design thinking method can be used for addressing problems as a team rather than one person making decisions in a bubble.

Five Things You Didn’t Learn in School About Credit Cards

By |May 2nd, 2017|Categories: Credit Card Processing|

How much do you really know about that little piece of plastic you pull out to pay for everything from candy bars to cars? Where does your card data go, who has access to it, and how does the whole thing even work? Let’s take a look at the process from start to finish.

How to Choose the Perfect Name for Your Startup

By |April 27th, 2017|Categories: Startups, Tips and Tricks|

So you’ve got an awesome idea for a new startup that will change the world and become the Uber of your industry. When it comes to your startup, the answer to “what’s in a name?” is “a whole heck of a lot!” Here are 5 steps to choosing a kickass company name.

5 Things Your Boss Wants You to Do During the Next Power Outage

By |April 26th, 2017|Categories: Credit Card Processing, POS, Startups, Tips and Tricks|

Last Friday, a fire at a PG&E substation caused a major blackout to roll through San Francisco. With up to 90,000 customers without power at the height of the chaos, everything from public transit to hospital operating rooms ground to a halt. Many businesses closed, turning away valuable revenue for lack of power.

3 Steps to Finding Your Startup’s First Customer

By |April 19th, 2017|Categories: Startups|

You’ve assembled an awesome team, designed a fabulous product, and even found some investors to back your efforts. That’s all great! But without customers, your whole startup concept falls apart. That sounds overwhelming, but don’t be alarmed. You can acquire your first customer in just three easy steps.

Becoming a Superboss: 4 Leadership Traits to Cultivate Today

By |April 13th, 2017|Categories: Startups, Tips and Tricks|

We’ve all had that one boss – you know the one. They’re the one we all remember as the kind of leader we don’t want to be. If you’re in a leadership role at your startup, here are four ways to be the other kind – a superboss, if you will.

5 Critical Payment Processing Mistakes You’re Making

By |April 11th, 2017|Categories: Credit Card Processing|

Choosing a credit card processing partner for your business is a big deal. At 360 Payments, we want to help you make an informed decision – and help you evaluate your choice if you’ve already signed up with a provider! How many of these mistakes are you making?

EMV Compliance: You Can’t Afford to Skip It!

By |April 6th, 2017|Categories: Credit Card Processing, POS, Technology|

EMV technology has been around for a few years now, but many retailers have been slow to adapt to the change. Delaying your transition to EMV technology is an unnecessary risk and sets you up to take the fall for fraud. Read on to learn why EMV compliance is a must for your business.

5 Ways to Take Online Payments to the Next Level

By |April 4th, 2017|Categories: Technology, Tips and Tricks|

If you sell your goods and services online, you probably use some kind of ecommerce platform to handle your transactions. Regardless of which one you use, there are a few elements you’ll want to consider when setting it up. Here are five ways to delight your customers and keep them coming back again and again.

3 More Ways You’re Dooming Your Startup

By |March 30th, 2017|Categories: Startups, Tips and Tricks|

In our last post, we shared 3 bad habits that are hurting your business. Once you’ve updated your website, surveyed a few customers, and put some time into your customer service strategy, read on to kick three more bad habits that are holding your business back.

3 Ways You’re Dooming Your Startup

By |March 28th, 2017|Categories: Startups, Tips and Tricks|

It’s easy to get caught up in the mundane, urgent tasks that make you feel like a hamster on a wheel and ignore those important big-picture items that will keep your business heading in the right direction for the long haul. Here are three bad habits to quit right now.

Mobile Tech Will Revolutionize Your Business – Here’s How

By |March 23rd, 2017|Categories: Technology|

Mobile technology is everywhere! As customers and businesses move faster and faster, apps and software that can travel with your sales team or around your facility are logical choices to help you keep up. We’ll explain five ways mobile technology will propel your business to the next level.

Empowering our Customers to Succeed: 360 Payments Partners with Protractor Software

By |March 21st, 2017|Categories: Company News, Partnerships, Press Releases|

360 Payments is proud to announce that Protractor Software has selected 360 Payments to be a preferred credit card processor. 360 Payments is a payments processor founded on the beliefs and core values of honesty and integrity. The credit card processing industry is very competitive and can be confusing to business owners. 360 Payments began its journey with the intentions of unveiling the misconceptions of the industry, providing excellent customer service, giving back to the community, and providing a unique opportunity for individuals to make an honest and extraordinary income. Partnering with Protractor is the next step in this vision.

Why Accepting Credit Cards is a No-Brainer for Every Business

By |March 16th, 2017|Categories: Credit Card Processing|

As a small business owner, you know what it feels like to be a small fish swimming among sharks. Keeping costs down is a must, but don’t be tempted to skip accepting credit cards! Even in the age of Apple Pay and PayPal, here’s why your business must absolutely 100% accept credit cards.

5 Steps to A Bulletproof Business: Preventing Credit Card Fraud Online

By |March 14th, 2017|Categories: Credit Card Processing, Tips and Tricks|

All businesses that accept credit card transactions worry about fraud, but if you’re one of the many businesses that sells its goods and services online, you’ll want to pay extra attention – we’re talking to you.

How to Read Your Credit Card Statement Like A Pro!

By |March 9th, 2017|Categories: Credit Card Processing, Tips and Tricks|

Every month, your credit card processing company sends you a statement that summarizes the transactions and charges for your business during the previous month. Knowing how to read and understand the components of this statement is the first step toward taking ownership of your business’s transactions.

Why I Chose 360 Payments

By |March 7th, 2017|Categories: Company News|

For too long the credit card payment processing industry has been a disaster. It’s been compared to a commodity with competitors undercutting each other and racing to zero. Sales reps typically employ an archaic turn and burn style, and customer service has historically been almost nonexistent. 360 Payments is different. Here’s why.