Here’s the procedure to Accept Credit Card Online, In-Store or Anywhere

Choosing a company that helps you accept credit cards can be challenging, and there are several factors to consider before selecting a service. To find the most convenient and least expensive route between your customer’s credit card and your bank account, you want to look for low rates, few fees and month-to-month service contracts.

First, identify how you do business with your customer:

  • Card present: In-person transactions that use a POS system, credit card terminal or mobile card reader
  • Card not present: Remote transactions conducted online or over the phone

Once you decide that, you can determine what type of processor to work with:

  • ISO/MSP or direct processor: These companies can set you up with a merchant account. ISO/MSPs include companies such as Payline Data, Flagship Merchant Services and Helcim. Direct processors include Chase Paymentech, Vantiv and Elavon. This type of processor is a good choice for a business that processes more than $3,000 per month.
  • Payment facilitator or merchant aggregator: These companies sponsor merchants under their master merchant accounts and are often classified as mobile credit card processors. Generally, this type of processor works best for very

Android 8.0 Oreo is good for business?

Google Pixel Smartphone, business technology, android oA new version of Android looks ready to make workers more productive. Dubbed Android 8.0 Oreo, the update promises longer battery life, improved messaging and time-saving gesture controls.

Here’s a rundown of the features that business users can look forward to.

Even the best business phone won’t get you very far if it’s always running out of juice. Android Oreo is expected to help your smartphone run longer by setting strict limits on what applications can do while they’re running in the background.

Specifically, the software update will cap the number of background services and location updates that can be performed at once, or in a specified period of time, which Google says will help stretch your phone’s daily endurance.

Previously, muting alerts from an Android app was an all or nothing affair. With Android Oreo, a feature called Notification Channels can break alerts down into categories so you can silence only the unnecessary alerts when you want to be free from distractions. For example, a chat app might separate individual conversations

5 ios Applications for Better Business Meetings

1.Apps for scheduling

Scheduling a business meeting is the easy part. Planning and pulling off a productive meeting, however, can be a real challenge. But with your iPhone and the right apps, there are plenty of ways to smooth the process. You can invite employees or colleagues to attend, create and share an agenda, and even run a meeting virtually through your smartphone using video-conferencing software. Read on for five ways to plan and execute a better business meeting with the help of your iPhone.

2.Let them know you’re running late: Tempo Smart Calendar (Free)

Whether you got stuck in traffic or just lost track of time, sometimes you can’t help but find yourself running late for a meeting. Tempo Smart Calendar has a handy remedy for just such a crisis. With this app, you can send out a mass text message, selected from several default messages, to let all attendees know that you’re running late. And you can do this with just a few taps. Of course, it takes a bit of upfront effort to make sure the app knows

The Best All-In-One POS System for Small Businesses

Vend is an affordable, scalable POS system that gives you a choice of payment processors to work with and is compatible with third-party POS hardware, which means if you already own equipment, you may be able to continue using it. It also partners with a variety of companies to offer add-ons, such as appointment-scheduling features that make it a good option for retail stores, salons and other professional service-based businesses.

Vend is packed with features at a price that’s very friendly to small businesses. Like most of the top POS systems, Vend charges a monthly subscription fee for its software and doesn’t require you to sign a long-term service contract, so you can cancel at any time without incurring an expensive fee.

Vend is transparent with its pricing. You can see the subscription rates for its four plans on its website. Vend is one of the few POS systems that has a free plan, which is a valuable service for businesses that are just getting off the ground. This plan is also a good option if you want to test-drive Vend longer than the trial

Best Mobile POS System for iPad

Bindo’s iPad POS system can be used by most small businesses, with one or multiple locations, including those in retail, restaurant and service industries, such as salons and spas. It offers innovative features, such as a product database that streamlines inventory entry and Identity Safeguard technology that ensures accurate timekeeping. It’s also competitively priced, allows you to choose from multiple payment processors and is compatible with third-party POS hardware.

Although Bindo is one of the few mobile POS companies that doesn’t post its pricing on its website, the rates it quoted us in our testing are competitive. For a single location with one register, its monthly software subscription starts at $59 per month.

Like several mobile POS companies, Bindo also offers payment processing. It charges a flat rate of 2.49 percent of each sale plus 15 cents per transaction made with a card reader, or 3.49 percent plus 15 cents if you manually key it in. However, Bindo also gives you the option of working with other credit card processors, such as Chase Paymentech, Vantiv, First Data and Heartland. This allows you to shop around for the best

Does a Hostile Workplace Make Your Employee Miserable?

Imagine waking up every day and going to a workplace where you felt uncomfortable or even unsafe. That’s the reality for 20 percent of the American workforce, according to a survey of more than 3,000 employees.

The research, conducted by Rand Corp., Harvard Medical School and the University of California, Los Angeles, revealed that 1 in 5 workers faces hostile conditions at work, including behaviors like sexual harassment and bullying. This type of abuse is disproportionately directed at public-facing workers who deal with customers and clients directly, researchers found.

Additionally, about 55 percent of workers say they face “unpleasant and potentially hazardous” conditions, which includes frequently inhaling dangerous particles like dust or smoke and handling chemical products. About half of the respondents also reported that their work spills over into their personal lives, either in the form of doing work in their free time or in unpredictable schedule changes.

“To us, it is kind of a very interesting and somewhat striking portrait of what people go through on a daily basis,” Nicole Maestas, an adjunct economist at Rand Corp. and co-author of the study, told Business News Daily.

It isn’t all doom and gloom,

Why Glad to Have a BFF at Work?

Do you have a close friend at work? Research from job hunting platformGood&Co shows that 65 percent of workers maintain a tight-knit friendship with at least one co-worker. These types of relationships can boost employee satisfaction and engagement, and it shows. Good&Co’s researchers found that 54 percent of employers believe strong work relationships help improve company culture.

“Relationships matter because they help us feel connected, making us more motivated and productive,” Catherine Fisher, LinkedIn’s senior director of global integrated marketing and communications, wrote in a blog post. “It’s much easier to share feedback with someone if you have built up a solid rapport, or ask someone for advice if you have invested in the relationship.”

The research showed that employees increasingly value a positive social and cultural environment at work, nearly as much as good compensation. About 36 percent of workers say they look forward to going to work when they work with a friend, and 31 percent feel stronger and more valued. The researchers found that people with a best friend at work are 7 times more likely to be fully engaged and productive. On the flipside, isolated workers tend to harbor negative emotions which

What is Industrial-Organization Psychology?

Industrial-organizational (I/O) psychology focuses on the behaviors of individuals in the workplace. I/O psychologists can be great additions to companies looking to improve the well-being of their employees, as well as increase the efficiency and productivity of their workers across the organization.

As the name implies, I/O psychology is split into two parts: industrial and organizational. While the two sides of this field study similar things, they focus on different perspectives and apply what they’ve learned in different ways.

The industrial side of I/O psychology “examines specific problems and issues that companies have to deal with,” said J. Michael Crant, professor of management and organization in the Mendoza College of Business at the University of Notre Dame.

Industrial psychologists can help organizations with the following tasks:

Hiring. After studying a company’s culture and work processes, industrial psychologists have a well-educated idea of what type of employee will work best with the way the business already works. Industrial psychologists can help with many parts of the hiring process, including creating interview questions that can help hiring managers identify the best candidates for certain positions. When using industrial psychology for hiring, Amy

3 Tips for Training Leaders Working with Remote Teams

Working remotely is becoming more and more popular, which means that leadership now happens virtually for many teams. Whether an on-site manager works with remote employees or the leaders work remotely themselves, leading people you don’t see face-to-face every day requires a slightly different skill set. When you’re working across time zones and everyone’s interacting from behind their screens, communication becomes even more paramount.

Training leaders to manage remote workers effectively is vital to the success of any remote work program, according to Sara Sutton Fell, CEO and founder of FlexJobs. In general, a remote leader’s focus needs to be managing based on results and processes rather than face time, which is so often relied upon in traditional office settings.

Sutton Fell and other leaders of remote workforces offered their best advice on developing managers who work effectively with dispersed teams.

One of the most useful areas of remote leadership training is proactive communication practices amongst teams and colleagues, said Sutton Fell.

“Proactive communication – taking the initiative to reach out when an idea, question or challenge comes up, rather than waiting to be asked or waiting for

6 Strange Businesses That You Did not Know While Already Existing

1.Squirrel Census

Do you want to learn more about squirrels? Specifically, do you want to learn more about the squirrels of Inman Park, Georgia? Pick up a copy of the latest squirrel census. The Squirrel Census organization tells stories of the gray squirrels in Inman Park, their fight for freedom from human suburbia, the jobs they do and their family lives. You can purchase copies of the latest census or buy t-shirts, beanies and other merchandise from the online store. Be sure to also sign the petition for squirrel representation in emojis.

2.Face Slapping Massage

an pay to be slapped in the face for several minutes in order to tighten your skin and remove wrinkles. However, the results aren’t permanent; you’ll have to go back to be slapped around some more. This type of massage, also known as face boxing, is popular in Thailand, but there is only one certified business in the United States, which is located in San Francisco. The company warns against fraudulent slappers who claim that they practice this “Thai wisdom.”

3.Reserve a Spot in Heaven

Yes, folks, this is

Free Small Business Accounting Software

Wave Accounting is free, cloud-based accounting software that includes a good mix of features. It’s best suited for service-based businesses that are just starting out or plan to remain small. Specifically, it’s a good fit for the self-employed – entrepreneurs, freelancers and consultants – and very small businesses with 10 or fewer employees that have limited or no inventory.

However, if your business is growing, you plan to expand or you intend to increase the number of items you sell, you could quickly outgrow Wave. In such cases, a paid option like Zoho Books, our top pick for the best accounting software for microbusinesses, may be a better option.

Yes, Wave’s accounting software really is free, as advertised. In the past, you had to pay extra to receive prioritized customer service, but that program has been eliminated, and all customer service is now ticket-based and provided for free.

However, Wave’s software has advertisements within the program. And, like other accounting software, if you add ancillary services, such as credit card processing and payroll, those cost extra. Here’s more detail on these factors:

The Best Microbusiness Accounting Software for business

Really small businesses don’t need complicated, pricey accounting software, but they do need software that can grow with their businesses. Zoho Books is a simple online accounting software that syncs with your accounts and covers all the basics, allowing you to create and send invoices, track time and expenses and generate reports.

It has mobile apps for iOS, Android and Windows devices, allowing you to accomplish various accounting tasks on the go. As your business grows, you can integrate the software with other Zoho products and third-party applications.

Like many accounting software companies, Zoho Books offers three pricing plans. The Basic plan costs $9 per month, supports one user (and an accountant) and allows you to add 50 contacts to the system. With this plan, you can reconcile transactions, create invoices, track expenses, and manage projects and time sheets. The Standard plan costs $19 per month, supports two users (and an accountant) and allows you to add 500 contacts to the system. In addition to the Basic features, you can use the software to track bills and vendor credits, and add reporting tags to your transactions. The

Choosing Some Of The Right Small Business Accounting Software

Accounting software makes it easier for you to track your business’s financial health and monitor the money moving in and out of your accounts. It can create invoices, track expenses and generate a variety of reports that help you analyze your business’s performance from various angles. Many can also help you track your bills and manage your inventory or projects.

Choosing accounting software can be challenging. Each program includes a different set of features, and most offer multiple pricing plans to choose from, which also vary by feature, number of users or another factor. Here are three items to keep in mind when selecting accounting software for your business:

  1. Costs. Would you prefer inexpensive, basic accounting software or an application that costs more but includes extra features?
  2. Usability. How many users need to access the software? Do you prefer a cloud-based system you can access anywhere or desktop software? Do you need it to have a mobile app?
  3. Features. What do you need the accounting software program to do? Do you need both accounts receivable and accounts payable tools? Which reports do you need it to generate? Do you need it to track inventory? Do you need it

Here’s a List of 5 Best Applications for Your Next Work Interview Assistant

A job interview is serious business. Even if you have heaps of experience, and your résumé has been polished until it shines, a rocky interview can dash your chances of landing your dream job. There’s no good way to anticipate what questions you’ll be asked, or whether or not you’ll hit it off with the interviewer. But there are tools that can help you prepare – and lower the chance that you’ll put your foot in your mouth. Put these seven smartphone apps to good use and they could help you ace your next job interview.

Even if you intend to arrive at your interview location early, construction and traffic delays can leave you running late. To avoid a commuting catastrophe, use Google Maps (iOS, Android) to guide you to your destination, even if you already know how to get there. The app offers more than turn-by-turn directions; it also shows local traffic conditions in real time. A route that’s backed up with traffic will be displayed in red, while a clear route will be yellow or green. If you hit a traffic jam, you can discover the quickest

Here are 3 Ways to Prevent Perfection Paralysis in Your Company

Do your employees feel paralyzed by the desire to be perfect? Because of your company’s culture and processes, they feel they must never make a mistake, know how to do everything right away, and outperform their colleagues. Sound familiar?

It shouldn’t be that way.

“In an era where organizations place such high value on disruption, perfection is not the end goal, and actually, it can’t be the end goal,” said Amir Orad, CEO of Sisense, a business analytics software company. “Business success today is focused on agility and innovation.”

While it’s good to aim high, if workers hold themselves to impossible expectations, they’ll always fall short. Their confidence will waver until they feel helpless in their own careers. As a leader, you should focus on making your employees feel supported and encouraged. Here’s how to prevent perfection paralysis in your workplace.

Every part of a company is important, and without communication and teamwork, your business is unlikely to succeed. But while mediums like email and texting are convenient for quick chats, they shouldn’t be the primary form of communication in your company.

“Individuals today shouldn’t be afraid to meet with

Small Business Snapshot of Les Lunes

Les Lunes creates ethically-made, stylish clothing for men and women from eco-friendly fabric sourced from bamboo. We’re also known for ethically manufacturing goods in Shanghai that we design in Paris, and educating the public on why shopping slow fashion is so important.

As a busy business woman jet-setting everywhere, I was frustrated with my fashion choices. Women’s business attire was either shapeless or constricting and uncomfortable. I wanted clothing that would work for me, not against me. I love the way French women always look so effortlessly elegant, and I wanted this look in fabric that felt like a caress. This was a void in women’s lives, and I decided to fill it. From the beginning, the concept proved to be very challenging, which made me even more determined to do it.

I lived in Shanghai for almost 20 years working in branding, sourcing and manufacturing, and know the local culture there very well. I wanted to connect the talented seamstresses I’d worked with in Shanghai to the vision I’d had for clothing – an incredibly soft fabric that was ecologically friendly.

I wound up finding a jersey rayon sourced from bamboo and fell in love with

Giving the Best Alternative Loans to the Credit Line

Kabbage’s automatic online approval process and easy repayment terms set it apart from many of its competitors. Here is a breakdown of why Kabbage is our best pick.

While some alternative lenders have you go through a lengthy application and underwriting process, application and approval for Kabbage is completed almost instantly, and totally online.

To get started, you provide some basic information about your business, including the following:

  • Business name and address
  • Company structure
  • Industry type
  • Month and year established

Instead of sending in financial statements, such as tax returns and debt structures, you link your application to a business checking account or other online service that you use, such as QuickBooks or PayPal. Kabbage’s platform automatically and instantly reviews the data on those sites to determine if you meet Kabbage standards for a loan. The company looks at this information to determine your average monthly revenue, time in business and transaction volume, among other things. 

The banks and online services you can connect with are Chase, Bank of America, Wells Fargo, PNC, U.S. Bank, Regions, BB&T, TD Bank, USAA, Citibank, Capital One, SunTrust,

The Best Alternative Loans for Bad Credit Loans

OnDeck has low credit score requirements, a fast funding process and excellent customer service. Here is a breakdown of why it’s our best pick.

While a poor credit score will eliminate you from consideration with many alternative lenders, it doesn’t with OnDeck. While the majority of OnDeck borrowers have a credit score of at least 660, the lender considers everyone with a credit score above 500. This is one of the lowest minimum credit scores we found among all the alternative lenders we analyzed. Most of the other lenders we considered require credit scores between 550 and 600.

However, the low credit score requirement doesn’t mean OnDeck approves loans for floundering businesses. It just means that instead of using credit scores as a primary factor in lending decisions, the company focuses on how businesses perform financially in terms of monthly revenue and cash flow. To be considered for a loan, you must have been in business for at least a year and have at least $100,000 in revenue over the past 12 months.

Of all the alternative lenders we looked into,

Giving the Best Alternative Loans for Startup Loans

After conducting much research and analysis, we recommend Accion as our 2017 pick for the best alternative lender for startup loans. To understand how we selected our best picks, you can find our methodology, as well as a comprehensive list of alternative lenders, on our best picks page.

Accion is one of only a few alternative lenders to offer affordable loans to startup businesses, and its customer service was among the best we found. Here is a breakdown of why it’s our best pick.

Whereas most alternative lenders don’t work with startup businesses, Accion, a nonprofit microlender, has a loan program specifically for businesses that have been open for less than six months. Most of the other lenders we analyzed require businesses to be open for more than a year to even be considered for a loan.

Because startups don’t have an established track record for lenders to evaluate, Accion assesses both business and personal finances. The company considers the business’s cash flow, as well as personal income from your job if you have one, when determining whether to approve you for a loan. The lender needs to see

How to Create a Positive Workplace

The power of positivity is something we hear and speak of quite frequently. But how often do we practice what we preach?

Because negativity can spread like the flu throughout an office, you should focus on ways to restore energy and passion in your workers. Learning to see the sunny side of a situation can save employees from anxiety and burnout.

Don’t allow a few letdowns to hurt your company’s overall culture and performance. Chris Haroun, founder and CEO of Haroun Education Venturesand a Udemy instructor, outlined three tips for achieving a positive workplace.

When hiring new talent, you should focus on more than just an applicant’s skills, experience and qualifications. Personality is a major factor to consider, and a worker’s character should complement the company’s values.

“One bad apple can spoil an entire firm’s culture and productivity,” said Haroun.

He noted that it’s important to hire people who will strengthen your company’s productivity and culture. You’ll want a team player who is willing to tackle any problem that might surface – and can do it with confidence. Rather than backing down in the face of adversity, your