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Free Terminal
In general, credit card processing companies will provide you with a free terminal, valued at over $400. These terminals are affordable and easy to use; they work with dialup, broadband, or wireless connections.

PIN Debit
PIN transactions are the least expensive of all the fees retailers pay for processing payment card transactions. For example, according to Visa® -- the largest U.S. card network – a typical supermarket pays 24 cents in fees when a shopper buys $40 worth of groceries with their debit card PIN. If that customer switches to their debit card, the fee jumps to 35 cents; with a Visa® credit card, the fee totals more than 50 cents.

Check Processing
The simplest way to increase cash flow is with an electronic check converter that converts paper checks into electronic checks, safely through a reader. Funds are guaranteed – no more returned checks or hassles with bad checks. Funds are automatically deposited into your bank account within two or three days, eliminating time-consuming bank trips.

Rates
Credit card rates vary. The best credit card companies will offer competitive rates and in many cases, rewards as well (for example 0% interest on balance transfers).

Gift Cards
Prepaid gift cards are ranked the most popular gift by women and the third-most wanted gifts by men; they are the second-most given gift in the United States. They are often accepted online or in person at participating retailers (if issued by merchants) or anywhere the card issuer’s brand is accepted.

ACH
The Automated Clearing House (ACH) Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system. You need only call a toll-free number, use the PC software, or go to the Internet and provide specific information to authorize a debit or credit electronically to your account – at no cost to you.

Wireless
Wireless is a web-based product that works seamlessly with other programs and equipment – reducing overhead, lowering costs, and tightening the cash flow cycle when used for credit cards.

Go Payments
The use of the iPhone or online terminal to make credit card payments is known as “go payments.” It is becoming more widely used as a safe payment method.

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