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Simplified Payment Processing for Small Business

Posted by Indranil Chatterjee on Fri, Sep 18, 2015 @ 04:02 PM

Whether you have a small business just starting out, and hoping to grow quickly, or you're anestablished business looking to continue to grow month over month. Either way, one of the mostimportant aspects of your business is accepting payments from your customers. This could meanthrough a virtual terminal, through your online store on your website, or via face to face transaction inyour physical store. But how do you know which payment solution is best for your business? This postwill break down the different ways your business can accept payments so you can focus on growingyour business and not worrying about which solution fits your business the best.

 

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IN STORE PAYMENTPROCESSING:

This is pretty straightforward. If you

have a store location where

customers will be paying at a

designated area, you need a

device, or solution to accept these

card present transactions. This

could be a wireless terminal that

runs via Bluetooth or WIFI to your

POS system, or alternatively a

hard­wired terminal that runs via

Ethernet port that remains

attached to your POS system at all times. Either of these solutions will work, and will provide fast and

secure transactions as long as the terminals are EMV and pin and chip ready. There is also another

solution that is made available, which is a virtual terminal that runs through a secure portal via any

computer, laptop or POS, which has a pin pad attached for the customer to insert or tap their card to

complete the purchase.

 

ECOMMERCE PROCESSING:

With a new eCommerce store, there are tons of shopping cart solutions available that will integrate into

your website platform depending on what you are using. Typically, almost every major shopping cart

integrates into Wordpress platform – and if you haven’t build your website yet, there are tons of options

like Shopify and BigCommerce that have a shopping cart already built into the website platform. Once

your website is completed, and you either have an integrated shopping cart completed – now you are

looking for a merchant account. Most API’s for a payment gateway will be simple to integrate into your

shopping cart, but take a look at it before you sign any merchant agreement. Make sure the processor

has worked with your shopping cart already, or has a plugin for the integration ready for you to use.

Today as a small business owner, you have more choices and better choices. Choices that are not only

cost effective but choices that will protect your business and your cardholders credit card data from

fraudsters. With new payment innovations today, your business can securely process through any

laptop, desktop, or POS system rather than having a payment terminal.

 

WHAT IT MEANS FOR YOUR BUSINESS:

As a business owner, the more you empower your customers with options to pay – the more avenues

they will have to make purchases. Whether you choose an online solution with a virtual terminal and

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pin pad in your store location – or a mobile terminal for your employees to walk around your store withto manage line­ups. Today it’s all about convenience. Your customers want to get their valued pointsand miles by using their credit card and you want to ensure that every transaction is secure andefficient.  Before committing to any payment processing solution, take a look at what you think yourbusiness requires. There is always a solution that will fit your business and allow you to grow the wayyou want to. Accepting credit cards should increase your revenue, if done the right way.

 

For additional information about BNA Smart Payment Systems Ltd., or if you have any questions,please feel free to contact us!

 

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