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Tag Archive: Credit Card Merchant Services

May 8, 2019

Mobile Wallets Take Center Stage

Mobile wallets are apps on your phone that store payment information from credit or debit cards that allow you to use your device to make purchases. While Americans have been slow to embrace the mobile wallet, people are becoming more comfortable with the concept of making purchases without the need to carry a plastic credit card. Many customers are now expecting the convenience of paying by phone. Rather than calling a business to supply your credit card over the phone, today pay by phone means holding your phone close to a contactless reader and instantly completing a transaction. Why You...Read more


May 1, 2019

Accepting Credit Cards: Which Method is Right for You?

Accepting credit cards in a cashless society is a must. The many methods of accepting credit cards make merchants wonder which method is best for their business. As a merchant, you can accept credit and debit cards in many different ways including website shopping carts or traditional counter terminals that might offer contactless payments. There are Point-of-Sale (POS) systems, specialized industry software, and, of course, cell phone payments. The biggest challenge is understanding how payments work, the types of hardware available, and how to obtain them. Behind The Scenes Credit card processing likely seems like a foreign subject to most...Read more


April 24, 2019

What’s Your Relationship With Your Processor?

As business operators, you likely interact with many vendors who are supplying your goods or services. Vendors you interact with include sales reps, customer relationship managers, and even your neighborhood UPS or FedEx driver who probably visits your office regularly. We even take time to get to know our pest control professional who visits the office monthly or quarterly. But what is your relationship with your credit card processor? Many people take the attitude that their credit card processor is out there doing their thing and there isn’t really any reason to have a relationship with them. In fact, one...Read more


April 3, 2019

Selecting a Credit Card Processor

In the world of plastic we live in, it’s necessary to accept credit and debit cards to succeed in business. Customers are used to using their cards in person, online, or by phone, so merchants who don’t accept a credit or debit card for payment are a turn-off to most consumers. In a sea of credit card processors, how do you find the right one for you? The most logical place to start is by asking your trade association whom they recommend, endorse, or partner with. Support a processor that supports your industry. Do your due diligence before signing on...Read more


March 27, 2019

On the Road Again

Many people comment about how often we at Chosen Payments travel, why we do it, and whether we like it. We LOVE it. We love delivering the Chosen Payments message and spirit. As a company dedicated to very specific industries, we love sharing meals with our clients across the country. We love delivering educational sessions at trade shows teaching people how to slash their credit card processing fees, regardless of who their processor is. Today, we are packing up from the International Luxury Coach and Transportation Show, the world’s largest ground transportation show. We were proud to once again be...Read more


March 13, 2019

Passing on the Cost of Accepting Credit Cards to Customers

We get a lot of questions about whether merchants should pass on credit card processing fees to customers. Is it legal? How much should I charge? Should I charge at all? We wish that there was one single answer that would fit every Chosen Payments merchant. But the truth is, this decision is complicated and merchants must make choices based on their individual businesses. In many cases, passing charges on just doesn’t sit well with customers. If your favorite local grocery store implemented a surcharge for using a credit card, would you continue to shop there? Here are some general...Read more


October 29, 2018

Accepting Credit Card Payments Without a Card Present

With a society on the go, many credit card transactions are completed without ever seeing your customer. Today’s busy customer wants to be able to shop online, place orders by phone or simply make a payment without mailing a check or leaving their house. You can provide convenience for your customers by offering methods to pay from where ever they happen to be at the moment they want to do business with you. This is important today because if they can’t do business with you without coming to see you, they are likely to find a competitor that offers such...Read more