Credit Card Services for Business Merchants

If you own a business, whether large or small, you know the necessity of credit card processing for a successful sale. For products and services sold online, by mail or phone, or in person at a retail location, you need the most up to date credit card merchant services available. Internet savvy customers and people in this fast paced modern world do not like to be kept waiting. They also expect a flexible spending option like credit cards to be available anywhere they shop.

Most businesses with an online presence, or a website, require a way to gain online credit card approval. With this function, you can sell goods and services from your website. The credit card processing allows you to accept any charge payment from customers with online credit card approval. Some people are intimidated by this process, but with the simple online merchant services available on the internet, the success of your credit card business can be simple and hassle free.

Where to find credit card merchant services

When looking for someone to assist you in setting up credit card processing, start online by entering a search term that relates to your business needs. For instance, if you are a small business owner, you might enter something like credit card processing. But if you have an online presence for your business in the form of a website, you would need to search for online credit card approval. For all your credit card needs, search for credit card merchant services, and you will get an extensive list of resources.

Which service is right for you

After you have some search results, visit several different sites, even if they seem to offer the same services. You need to compare the options, prices, and customer services offered. One of the most important things to look for right away is how much you have to pay on a monthly basis to keep your credit card processing up and running. Most sites will represent their fees as fairly straight forward, but several companies charge hidden fees that can inflate your bill and put a kink in your operation. Keep an eye out for notices about late fees, a quota of credit card processing per month, and other limitations that could conflict with your needs. Also note what the company will charge you if you violate the terms of service. Remember that business can sometimes be unpredictable. If you get in a bad spot financially, you do not want your credit card merchant services to drag you down even further with high penalties or cancellation of service if you fail to meet a quota.

Also look for the extras that each service offers. For example, if you are processing credit cards on your website, you will need a built in way to accept card payments. This usually takes the form of a shopping cart that is written into your html code. The ideal merchant service will give you step by step instructions on how to set up your online shopping cart.

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How To Create A Small Business Marketing Strategy That Will Triple Your Profits This Year

What does a small business marketing strategy mean to you? Some people automatically think in terms of their company’s long-term goals. When they start their small business, they create a long-term business plan, including a marketing strategy, that will help them develop their company over time. Others think of a small business marketing strategy as a single campaign. They create a marketing campaign for one product or service they offer, and create a series of marketing tools that will help them sell that product or service.

While both may technically be correct, there is a distinct difference between the two. One creates a stream of income for a short period of time (typically a few weeks to a few months), while the other ensures you have a stream of income coming in on a regular basis.

In order to ensure an effective small business marketing strategy, you must have three things in place.

1. Multiple marketing tools in place. Every day a person is marketed to 60-100 times. You see banners on the sides of busses, advertisements in newspapers and magazines, and coupons in your mailbox. It’s easy to see why marketing tends to become almost non-existent in our minds.

But the thing that a good marketer realizes is that he has to use different marketing tools to reach different target audiences. Everyone has a different attention span. Everyone is searching for different products and services at different times. A good small business marketing strategy has multiple tools in place to capture a prospects attention when he or she is ready for our product or service.

The key is to knowing who your ideal clients are. The more you know about them, the more you’ll be able to reach them in a manner that’s best for them. Good marketing tools are:

* direct mail postcards

* direct mail letters

* advertisements in magazines

* advertisements in newspapers

* neighborhood postcard packs

* door hangers

* flyers

* brochures

* promotional products

* tradeshows

* billboards

* bus stops

* school buses

* regional transportation systems

* sponsorship of school athletics

* and much more

An ideal small business marketing strategy will encompass many of these types of tools, and have campaigns set up using select tools at different times throughout the year.

2. Use those marketing tools over long periods of time. Once you have your marketing tools in place, continue to use them again and again. Probably the biggest mistake a small business owner makes is to grow tired of his own marketing campaign, and abandoning it before it’s realized its full potential.

The average campaign takes a person 8 – 12 times of viewing the same material to recognize the information and take action. If you quit running a campaign before you reach the 8 – 12 times average, you won’t achieve your desired results.

An ideal small business marketing strategy will provide goals to seek out longevity in marketing campaigns. While nuances of a campaign can change (i.e. changing ad advertisement to showcase seasonal products) the structure of the campaign should always remain the same.

3. Use those marketing tools in many different places. Your prospects come from a variety of different sources, and have a variety of different interests. Mailing your brochure out to prospects is a great way of marketing; but you may also do well by placing your brochure in offices of complimentary businesses. Advertisements may work well in your local newspaper; but they may do just as well in an industry trade publication. Direct mail postcards may inspire a lot of people to pick up the phone and call you; but it may motivate more people to visit your website.

Creating a handful of tools to use in your campaigns provides you with the resources. Getting those tools into the hands of your prospects is what requires a plan.

An ideal small business marketing strategy will be a long-term plan that involves creating marketing tools, putting them into the appropriate places, and leaving them in place long enough to let them work.

Copyright 2006 Vision Business Concepts Inc

Small Business Brokers

Buying or selling a business can be a very laborious undertaking, regardless of the size and profitability of the business. Fortunately, there are business brokers and business transfer agents who can help you find either a buyer or a seller. These business brokers are also very helpful in arranging the sale of a business to ensure that everything goes as smoothly as possible.

If you are considering buying a small business, or if you have a small business and you wish to sell it, there are brokers who specialize in small businesses. For small businesses, finding the right buyer or seller can be difficult.

A small business broker helps you gain access to a bigger group of buyers and sellers and increases your chances of success. Small business brokers work just like any other broker or transfer agent. They are similar to real estate agents in that they match sellers and buyers. Moreover, a good business broker can help your business achieve its maximum value. Not all business brokers, however, are right for small businesses. Thus, the trick is to find the best broker to handle your small business.

There are some tips you can follow to help you find the right business broker. One of the best methods in finding a good broker is getting referrals. Ask around for recommendations from your contacts and acquaintances.

You can also consult the International Business Brokers? Association (IBBA). This trade association of brokers has over a thousand members and can provide you with professional certification. Once you find a broker, research his/her credentials, background and experience. You can also check the Better Business Bureau for further investigation.

Choose a broker who is knowledgeable and experienced. Whether you are selling a small business or looking for a new business opportunity to acquire, a good small business broker can streamline the process and ensure the success of the purchase.

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