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If you don’t want to pay hefty credit card processing fees, you may find this article helpful. According to small business owners, it is overwhelming to pay hefty fees for card processing. The statistics released by the Bureau of Labour Statistics tell that half of the startups fail within the first 48 months. According to predictions, there will be a 33% increase in credit card volume by the end of 2024. On the other hand, cash payment volume is going to go down by around 27%. Given below is a description of some common ways that can help you get the best deal. Read on to find out more.

1. Use Merchant Services rather than a Bank

If you work with the merchant service provider, you can use their merchant account for processing credit cards. Some banks do provide merchant services. In the reality, they outsource the services to third parties. As a result, they end up charging you extra fees for the services.

Therefore, if you use a merchant service provider instead, you don’t need to redirect your clients and customers to another provider. In addition, you can enjoy direct protection against fraud. As a matter of fact, more than 80% of startups fail because they have cash flow problems.

2. Go for a PCI-Compliant Payment Gateway

Basically, a payment gateway refers to a cloud-based software program that handles credit card processing. The role of this application is to support transactions conducted through credit cards. Apart from this, it creates a link between the card-issuing bank and the credit card network. After the approval, the funds are transferred from the credit card of the customers to the account of the merchant.

We know that this process involves sensitive data. Therefore, you may want to work with a PCI-compliant payment gateway. In other words, this type of gateway is supposed to use encryption and tokenization technologies.

3. Integrate your Payments

Instead of depending on an outside software program for your payments, we suggest that you hire the services of a provider that provides a means to process transactions inside your accounting software program. The idea is to get rid of double data entry and reduce human error.

If you integrate your payments, you can automate the process and avoid all the hassle and headache in this process.

4. Opt for a Personalized Service

Your time is highly valuable as a small business owner. Therefore, we suggest that you look for a personalized service that can handle the entire process. According to statistics, more than half of customers cannot resolve their problems if they cannot discuss the matter with a real person.

So, we suggest that you work with a processing service that provides personalized customer service. And this is of paramount importance for small business owners.

In short, if you want to reduce your credit card processing fees, we suggest that you try out these four methods. If you look at statistics, you will come to know that these methods have helped small businesses reduce these fees by 21%.

Things to Consider When Looking For a Good Pavement Maintenance Company

Having a pave way or driveway is very convenient for you. But just like normal roads, the pave ways are not immune to damage. Over a period of time, the pavement deteriorates and requires to be maintained. That means that choosing a good pavement contractor is not enough. You should also choose a good pavement contractor. This is because they will come in handy when you need to ensure that the pavement that was constructed doe not get too bad. There are many pavement maintenance companies that are available for one to choose from. But you can never be sure of how good or bad a pavement company is without doing really thorough research on the pavement maintenance company. The following tips will make you choose well.

To start with you should consider the kind of reputation of the pavement maintenance company. You will always be able to get the best of services for a company that has a very good reputation. An ideal pavement maintenance company should be one that not only has a stellar reputation and is also revered in the local community. There is more than one way that one can be able to check for and confirm the kind of reputation that the pavement maintenance company has. One way to do this is to get references. You should be comfortable when you have a lot of references. You should then reach out and make contact with the references. Get to know from them whether or not they liked the references.

Secondly, you should consider the kind of experience that they have in pavement maintenance. You should only choose a pavement maintenance company that has a lot of experience. The more the experience that pavement maintenance company usually determine the quality of work. Get to know the year in which the company began its operations. The more the number of years the company has been in business the better the quality of services. Also since there are different types of pavements, there is a need to find a pavement maintenance company that has ever done maintenance on the same kind of pavement that you have.

The other factor that you should consider is whether the company has been insured or not. In the construction industry, there are many different dangers that one can face. It is therefore crucial that the pavement maintenance company that you choose has been insured. Ideal pavement maintenance is also licensed. You should only work with a pavement maintenance company that is very legitimate. One other thing that you should do is to have look at the kind of pavement maintenance that they have done in the past. You should also get the estimated price of the pavement instance project. Different companies will charge you differently. Choose the one that is able to offer you their services at good prices. You should try as much as possible to stay within your budget.

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