How and Why to Accept Credit Cards With Your iPhone iPad iPod Touch or Android Device

As the world keeps changing everyday, with new technology coming out every few weeks, merchants now have the ability to accept credit cards via their phones or tablets, on the spot, from anywhere! This article will describe the steps regarding to how to start accepting credit cards using this technology and will evaluate GlobalPay, one of the leading companies in the field.

Convenience and Benefits of Accepting Credit Cards On-The-Go

Many businesses today are expanding and more and more companies begin to service their customers at home, as technology have changed dozens of fields are offering service at home. A few good examples include; computer technicians, physical therapists, carpet cleaning, locksmith, dry cleaning delivery, and mobile mechanic. if you are one of those merchants, or belong to another field that service their customers at home this article will show you how to start accepting credit card payments at your customer’s house.

Accepting credit cards has a lot of benefits for both the merchant and the customer,

Increase Sales – Studies have shown that businesses who accept credit cards see an increase of 50% – 70% in sales .
Build Trust – Studies have shown that merchants that display credit card logos as a form of payment you accept gives a sense of trust and loyalty to the customers, therefore chances are they will do business with you.
Increase Cash Flow – as your sales will increase so will your cash flow, you won’t have to be waiting for a check in the mail anymore as the credit card payments will be deposited to your bank account within 24 hours.
Get Impulsive Buyers – Credit cards holders typically buy more than non-card holders, studies say 250% more merchandise!
Convenience – more and more people carry less cash on them and use credit cards every day as it is much more convenient and secure for them. Many customers want to use their credit cards because of reward points or cash back they receive from their bank or credit card company. Customers are more likely to buy from a merchant that accept credit cards as a form of payment. Don’t lose a customer to one of your competitors for that reason.
So after explaining the benefits of accepting credit cards at the customer’s location, how to we start accepting credit cards as a form of payment? Many companies offer this unique service, some of them charge fees that are making it just not worth it for the merchant to accept credit cards. Others, such as GlobalPay built plans with low monthly cost and low discount rate for merchants that are on-the-go.

Find a company that specializes in the mobile payment inustry and get in contact with them. Usually they will request information such as Tax ID number or Social Security number (if you are a Sole-Proprietorship) and bank account information in order to get approved. From there on the company’s representative will direct you as to how to receive the credit card reader and beginning using the Apple / Android app.

GlobalPay – Get Paid Anywhere!

One of the leading companies in mobile payment solution is GlobalPay, they specialize in mobile credit card processing for merchants that are on-the-go. They are one of the few companies out there that offers a Bluetooth operated card reader that is very comfortable and safe to use. Their app is compatible with Apple, Android and Blackberry devices, phones and tablets. The company have built three plans that it offers its merchants, with charges ranging anywhere from 1.69%-2.39% starting at just $8.95 a month. A free card reader is given to each merchant, and no extra fees are charged (such as gateway fees or app fees).

Requirements Clauses and Changes in Issue 4 of BRC Packaging Standard

The format of the Requirements has been updated to be consistent with other BRC Global Standards and therefore does not include Best Practice Guidelines. The Requirements have been reviewed and expanded and several new sections have been incorporated in light of industry requirements. The number of clauses now total a maximum of 242 (from 178) and include more detailed guidance and clarity to facilitate interpretation for certification bodies and companies. Particular reference is made to the following:

* Management Commitment and Continual (clause 1)

Management Commitment and Continual Improvement has been extensively revised to ensure that a high priority is placed on clear evidence of senior management commitment in the provision of resources and communication. Continual improvement shall be effected through comprehensive management reviews. Additional requirements specific to the audit process include having the current issue of the Standard and ensuring effective corrective action for non-conformities is undertaken.

* Hazard and Risk Management (clause 2)

Hazard and risk management has been comprehensively reviewed and contains guidance to companies to ensure a thorough hazard and risk analysis is undertaken. Now split into 3 subsections it contains requirements for a trained multidisciplinary team and annual review.

* Customer Focus and Contract Review (clause 3.3)

Customer Focus and Contract Review is now included which specifies the requirement to identify and review customer requirements and those individuals who communicate with customers.

* Site Security (clause 4.2)

In response to current issues, Site Security has been pulled together as a stand alone section, requiring controlled access and training of staff and secure storage of materials.

* Product Design and Development (clause 5.1)

A new section of Product Design and Development has been incorporated which requires customer design requirements to be defined and agreed and used to develop procedures and specifications.

* In-line Testing Equipment (clause 5.2)

The control of In-line Testing Equipment is now covered, where the need shall be based on hazard and risk analysis and controlled by documented procedures. The BRC will be working more closely with certification bodies and accreditation bodies to improve the infrastructure through training and the development of performance monitors.

From the above mention clause following are the Fundamental requirement of this standard (Any major NCR in below clauses lead to non certificate)

Clause No.

1.2 – Senior Management commitment

2.2 – Hazard and Risk analysis

3.3 – Internal Audits

3.7 – Specifications

3.9 – Traceability

4.9 – Housekeeping and Cleaning

5.3 – Process Control

6.1 – Training and Competence

To allow time for retailers, producers and certification bodies to become fully familiar with the new requirements and for the BRC to develop their support and infrastructure the BRC had recognize certification against the revised Standard for Issue 4 from August 2011. the user of this kit are suggested to purchase the BRC standard from BRC site and now it is BRC standard requirement to have original copy of BRC standard in the companies going for BRC. Read all the requirements of BRC from the standard and it is self explanatory and discussed by point wise in the slides. For your ready reference we are giving key requirements of BRC standard as below.

* KEY BRC requirements to take care

1. Quantity Measurement

Quantity Measurement looks at both food and non-food products that are subject to the weights and measures regulations. The Guideline reviews the documentation evidence needed to record the manufacturing process of a product.

2.Metal Detection

Metal Detection ensures all necessary steps are taken to identify, avoid, eliminate or minimise the risks of metal or other foreign body contamination by covering how a metal detector works, what type of metal detector to install, positioning, calibration, production line checks and frequency, rejected products and maintenance.

3. Internal Audit

Systems and procedures which are critical to product safety, legality and quality need to be audited to ensure they are in place, appropriate and complied with. The guidelines cover determining the frequency of checks, auditor training, auditor reports and corrective action.

4. Pest Control

A pest control contractor or appropriately trained personnel should regularly inspect and treat premises to deter and eradicate infestation. This guideline covers the level of pest control needed, necessary inclusions for a contract with an external contractor, installation, routine monitoring, bait takes, determining frequency of checks and the field biologist’s role.

5. Process Validation – Low Acid Canning

This Guideline explain process validation point by point for low acid canning, it also covers product areas that require validation and how to conduct process validation with the aim to produce safe and legal products.

6. Complaint Handling

Sources of complaints that impact on both the retailer and the supply chain are examined. The Guideline looks at the systems needed to handle them, how to respond to the customer, investigations of complaints and includes all necessary complaints documentation.

7. Shelf-Life Determination

Proper shelf-life determination analysis is critical to ensure the longevity of the product. This Guideline reviews all the necessary procedures and documentation that both the retailer and supply chain will need.

8. Product Recall

Product recall and withdrawal procedures should be regularly tested to ensure effective operation. This Guideline provides information on product recall simulation,

9.Traceability Testing

Systems need to be regularly tested to make sure tractability can be determined from raw material to finished product and vice versa. This publication looks at the benefits of Tractability Testing, determining the frequency of checks and dealing with non-conformances.

The importance of fees in determining the best bookkeeper to choose

One of the biggest traps that small businesses face is how to balance the resume of their prospective bookkeepers and the cost. Major firms are very expensive, but provide a peace of mind that a smaller low-cost option may not provide. On the other hand, a more inexpensive option can free up capital to be invested in the business. It’s very easy to get a false sense of security from bookkeepers that have low fees compared to the industry, but they may not be a good fit and they may end up costing more in the end.

The most important feature in determining what makes for a good fit is how relevant and how much experience that bookkeepers nyc have. An inexpensive option may often be new to the industry and doing anything to build a client base. While that has its benefits, it can also be problematic because saving a small amount of money is not worth a tax audit, both financially and in the stress that it would cause and how that would negatively impact the business. A bookkeeper must be evaluated like anything else and everything must be viewed through an objective lens. One or two factors cannot be enough to start a relationship with bookkeepers or anyone else that will be interacted with on a daily basis.

Individuals starting a small business have a plan and tend to put all of their focus and energy into that. That kind of drive is what makes these businesses succeed, but overlooking seemingly small issues like bookkeepers can be disastrous. The point is that most individuals want to focus on their business and not on mundane issues such as taxes and financial prep. Too many people assume that bookkeepers are interchangeable. The same business would never feel that way about their suppliers or other close partners, but they feel bookkeepers are like cleaning ladies and that attitude can lead to major problems.

The biggest safeguard comes from finding a good reference from a bookkeeper nyc and their clients. That reference that comes from a company that does the same kind of work can be critical, even if it is a competitor. That said, even similar companies have different needs, let alone those in different verticals. Therefore, what works for the huge and very experienced company is unlikely to work for that brand new company. Bookkeepers can serve as a partner and provide a very valuable service to their clients, but as stated above, no two clients are the same and they can’t be directly compared.

How important are bookkeepers to the success or failure of a new business? A new business is unlikely to survive a tax audit their first year and bookkeepers that are properly vetted can avoid this. That can be the difference between success and failure. Even further, having competent representation can truly be the difference between a business that can keep its head above water and one that thrives. For that reason, having a good bookkeeper that has experience working with similar businesses is a necessity because there a lot of unique issues faced by new businesses that existing companies don’t always have to deal with.