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Flagship
With so many credit card processing companies available to pick from, it can be a daunting task to find the one that is the perfect fit for your business. You want to make sure you find one that will have all the features and services you are looking for. Additionally, you want to make sure you pick a company that is solid and reputable
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If you’re required to travel or purchase things for your employer, you may have been issued a company credit card to handle the transactions. These cards provide a convenient way to pay for business expenses without impacting your personal accounts. However, they do come with a few drawbacks. By being aware of these on the front end, you can avoid surprises once you’ve issued cards to your entire team. Not All Employees Are Responsible When a business owner applies for credit cards, generally it’s assumed that having these available to staff will make things easier for everyone. Team members will use the cards strictly for business purposes and when the bill comes in, supervisors can review the purchases and make sure the bill gets paid on time. Unfortunately, many businesses find that not all employees are as responsible as they should be. Upon careful scrutiny, a supervisor may find that an employee’s expenditures are questionable, especially if one team member is spending much more than others in comparable positions. When employees are required to pay for the expenses and be… Read more

College is a time when people generally get to experience paying bills for the first time. With so much of the process done electronically these days, it can be jarring when a college student hears his landlord only takes cash or checks. Both of these methods are inconvenient for both parties, with cash payments requiring an extra visit to an ATM, along with the requirement of getting a receipt. Even paying by check is a hassle, since most college students aren’t in the habit of carrying a checkbook around. But there are easier ways. If a college student can talk his or her landlord into it, rent money can be transferred from one account to another directly from a smartphone. Here are a few ways college students can pay rent each month with minimal effort. 1. Direct Deposit This requires more effort on the part of your landlord but if you can talk him into it, it’s the best course of action for both of you. Each month, your money will automatically be moved from your account to your landlord’s. This… Read more

Consumers get mixed messages when it comes to credit card ownership. Multiple cards help build credit. Too many cards can damage a credit score. Whether you have several major credit cards or specialized cards for your favorite department stores and big box retailers, having multiple cards has its advantages and disadvantages. Here are a few things to consider if you’re thinking about adding another card to your collection. A Backup Plan If you’ve ever had your card canceled due to suspicious activity, you’ve likely encountered one of the biggest problems with having only one credit card. Getting a replacement card takes time and, during that time, you’re left without a way to pay. This is especially serious if you’re completely reliant on one debit card that you use for ATM withdrawals. You’ll be left not only without your plastic but without the ability to easily obtain cash, as well. Having at least one extra credit card in your wallet means you’ll always have a backup in place. If you misplace your main card or your bank shuts it down, you… Read more

Gift cards are a great deal for businesses and consumers alike. They give shoppers a great gift option while giving retailers additional sales volume. But there’s one problem with these gift cards. According to a 2014 study, more than $44 billion in gift cards has gone unused since 2008. While this may seem like it would be a good thing for the businesses selling the cards, they actually can’t count the cards as revenue until they’re used. In other words, that Best Buy gift card you bought for your loved one at Christmas is tallied as a liability until the day that loved one walks into a Best Buy and buys something with it.  For this reason, it’s in everyone’s best interests that customers find a way to get unused cards in the hands of someone who will use them. Whether you have a card with a full $50 balance or a partly-used card, here are some options. Sell It The best bang for your buck will likely be to sell it yourself. The gift card section of eBay is… Read more

With every report of a new data breach, consumers grow more concerned about falling victim to fraud. Those concerns won’t stop the average customer from indulging in cybershopping, however, since buying things online offers a level of convenience and cost savings they may not be able to find locally. To address these customer concerns, some financial institutions have set up a virtual card option. Cards like Bank of America’s ShopSafe Visa and CitiGroup’s Virtual Account Numbers issue numbers that only work for a fixed balance and short amount of time. These cards protect the customer’s main credit card number while still allowing them to pay for items freely. If your business sells things online, there are some things you should know about these cards. Product Returns The main complication your business will likely see with temporary credit card numbers will occur during the refund process. Since many businesses now have their systems set up to automatically return the balance to the customer’s credit card, your system may automatically kick back the return, showing that the original payment option has since… Read more