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BluePay Blog

5 Reasons to Use the Same Provider for Your Merchant Account and Gateway

Posted on Sep 17, 2018
There are three essential components you need to bring together to accept credit cards:  A merchant account. This is essentially a bank account that allows you to accept incoming credit card payments.  A payment processor. This is the entity that authorizes credit card transactions by connecting your bank with the customer’s card-issuing bank.  A payment gateway. This is the tool that captures credit card data before sending it to your processor. Think of it as an “online” credit card terminal. 
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Topics: E-Commerce and Online Payments, Payment Technology, Small Business Tips, Enterprise Business Tips, Getting Started with Payments, Merchant Accounts

CVV, PCI and Other Payment Acronyms

Posted on Aug 16, 2018
Credit card processing can be complex. Even more so when you’re presented with an industry-related acronym that has you reaching for your smartphone or tablet to Google search the meaning.   In short (no pun intended), an acronym is an abbreviation formed by the initial letters of multiple words, ex. ISV stands for Integrated Software Vendor.
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Topics: Small Business Tips, Getting Started with Payments, Awareness

5 Ways to Be More Financially Responsible for National Financial Awareness Day

Posted on Aug 14, 2018
Financial independence is one of the main reasons entrepreneurs go into business for themselves, but running a profitable company isn’t easy.   There are a lot of unknowns (i.e., risks). You have to manage many moving parts. Competitors are always at your heels.  Worst of all, expenses never seem to end.  But in honor of National Financial Awareness Day (August 14), we wanted to outline some simple tips that can move you closer to financial responsibility. 
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Topics: Recurring Billing and Electronic Invoicing, PCI Compliance and Fraud Prevention, Small Business Tips, Getting Started with Payments

5 Ways to Take the Pain Out of Late Payments

Posted on Jun 11, 2018
Finding clients used to be the most challenging thing about running a small business or freelance operation. However, that challenge has been surpassed by the struggle to get paid by clients. Even one unpaid invoice for the month can lead to problems covering expenses or even getting a paycheck. Now, double those late payments by five or ten invoices and see how quickly your credit and business stability are impacted. 
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Topics: Due.com Partner Posts, Recurring Billing and Electronic Invoicing, Small Business Tips, Getting Started with Payments, Awareness

What are Credit Card Fees?

Posted on May 24, 2018
Roughly 80 percent of American shoppers cite plastic as their preferred payment method. The simple act of hanging credit card logos on your store window or embedding them on your website can help attract more traffic. It’s clear that accepting credit cards can be a great way to boost sales. However, credit card acceptance carries a number of merchant fees. Paid entirely by you (the retailer), these charges are designed to cover payment processing costs such as: 
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Topics: Small Business Tips, Getting Started with Payments, Merchant Accounts

The Importance of AVS and CVV for Chargebacks

Posted on Mar 23, 2018
Whenever customers are unhappy with products or services, they can request a refund directly from you — the merchant.  This is usually an unpleasant experience, and retailers often go out of their way to avoid issuing refunds. The alternative, however, is much worse.  These dissatisfied customers also have the option of disputing purchases and initiating chargebacks through their banks. The banks then credit those users’ accounts before chasing you down for the outstanding balance. 
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Topics: EMV, E-Commerce and Online Payments, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Getting Started with Payments

What is the Difference Between a Chargeback and a Refund - and How to Avoid Them

Posted on Mar 21, 2018
In the retail world, chargebacks and refunds are often used interchangeably to describe situations in which dissatisfied customers want to reverse purchases and get their money back.  As a merchant, you lose the sales either way — which is why these return policies are so often confused.  Although chargebacks and refunds share much in common, there are major differences between the two. As a retailer, it’s important that you understand how they work — and what steps you can take to reduce their frequency. 
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Topics: E-Commerce and Online Payments, PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Getting Started with Payments

6 Steps to Handle Chargebacks

Posted on Mar 19, 2018
For most merchants, issuing refunds is the least pleasant part of running a business. This happens whenever customers are “unhappy” with a purchase and want their money back.  If you sell products, you may be able to repackage and resell any returned items. After delivery expenses, restocking fees and other associated costs, you might be able to recoup some of your losses.  If you sell services, however, refunds typically represent a direct and irretrievable loss.  As unpleasant as refunds are, there are even worse ways to lose money. For example, an unhappy customer can always initiate a chargeback instead. 
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Topics: PCI Compliance and Fraud Prevention, Small Business Tips, Enterprise Business Tips, Getting Started with Payments

The 10 Worst Time Wasters for Small Business Owners

Posted on Nov 17, 2017
As a small business owner, you can always make more money, and you can always find more customers. You cannot, however, create more time. You have exactly 24 hours each day. Once those hours are gone, they’re gone forever. What steps can you take to maximize this precious commodity? 
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Topics: Small Business Tips, Getting Started with Payments, Awareness

3 Business Tools Every Startup Needs (And 3 You Can Do Without)

Posted on Nov 15, 2017
Since there’s no official roadmap for business success, many startups invest in tools and resources that offer the veneer of legitimacy:  They buy business cards with heavy stock and glossy print. They rent office spaces with corporate-looking furniture.  Although these investments can make you feel like you’re moving in the right direction, they’re actually a waste of both time and money. If you haven’t made any sales yet, you’re better off sticking with tools that can help you secure your first customer. Fancy stationery and sleek offices are simply expensive distractions. This is only scratching the surface. 
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Topics: Small Business Tips, Getting Started with Payments, Awareness

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