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3 best Payment processing companies for retail businesses

Although the 21st century has been a great year for eCommerce, retail businesses still hold a significant degree of importance among customers. Take groceries for example. Households still opt to go to the store and physically pick out fruits and veggies. Other businesses such as dry cleaning and car maintenance services have experienced little shake-ups from the advancement of online retailing. However, there is one business trend they can’t avoid: credit cards.

No one carries significant amounts of cash in the wallet anymore. If yours is a brick-and-mortar business where the customer comes to you, you should be able to accept credit cards as a form of payment. A merchant account is the only reasonable way of enabling customers to make card payments. However, there is a growing number of account providers that give the industry a bad name. The internet is filled with client complaints against high fees, shady sales representatives and poor after-contract customer service.

Nonetheless, good merchant account companies exist, some of which come highly recommended by experts in the field. Below are three of the best providers of payment services for traditional retail stores in the US.

  1. EMerchantBroker (EMB)


EMB gained traction as a payment solutions provider for online merchants, but they now provide excellent processing services to the traditional business types as well. These include point-of sale systems, integrated gateways and mobile payment options. Maintaining a thoroughly satisfied client base is not easy, but the company’s staff is one of the highest rated in the industry when it comes to customer support.


Moreover, high-risk retailers who might find it hard to acquire card payment services have a reliable helping hand with EMB, which has been consistently voted the best high-risk provider by industry experts.


  1. Fattmerchant


For merchants, Fattmerchant offers everything; from traditional payment options and mobile solutions, to an online shopping cart for retail websites. Additionally, Fattmerchant provides EMV-compliant credit card terminals and point-of-sale systems. Clients are also encouraged to buy their own terminals, after which the firm will program them to work with their services for free.


Fattmerchant prides itself in low cost and transparent plans, which involve a higher monthly fee but no markup charges, added PCI compliance payments or other hidden side-fees. This can lead to significant savings in overall costs.


  1. PayJunction


PayJunction’s success is mainly attributed to their unique policy of providing a paperless solution to transaction processing. It achieves this by enabling a merchant to use both a virtual terminal and their proprietary Smart Terminal card reader to send customer receipts via email. This eliminates the necessity to store hard copies of the receipts, as all transaction data is stored online. PayJunction works best for clients that process over $10,000 worth of credit cards, because these clients incur no monthly account fees. All credit card transactions are processed at interchange + 0.75%


Every retail business has its own unique needs, but with the companies profiled above, it is virtually impossible to get it wrong.




Wolfgang Schaeuble Pushes To Stabilise EU

Wolfgang Schaeuble is pushing for stability in the European Union (EU). The German Finance Minister has stated that the recent British referendum should not be allowed to weaken the union. He urged leaders to do everything possible to maintain stability within the union, especially through implementing policies that support it.

Economic stability is one of the main purposes of the European Union. That is backed through trade among European nations, all of which are to benefit equally from the free movement of goods and services through the geographic region. The average annual rate of growth in the region has been 1.70%. The highest rate of growth for any quarter has been 4.60%. Eurozone GDP growth has been less than 1% throughout 2016. ]

Factors such as problems in the French economy have affected the overall growth rate within the union, causing members like Britain to consider pulling out. France is one of the largest economies in the Eurozone, so any decline in its growth rate will significantly affect the overall growth of the region. Joblessness in the zone currently hovers at around 10%.

Although the United Kingdom has voted to exit the union, the process is not simple. It could take as many as five years for Britain to completely withdraw from the zone. For his own part, Mr.Schaeuble has encouraged restraint in spending in Germany. He has developed a budget for Germany which should impart stability in times which often seem unpredictable. With less of a feeling of uncertainty, the Finance Minister seems to be upbeat about the future of Europe’s economy. He is confident that the European economy has never seen better times.

Mr.Schaeuble’s position is based on data which shows unemployment at the lowest it has been in 25 years. He states that wages have also been rising throughout the years, indicating that more people are working and those people are earning more than they have in the past. That means there should, in theory, be more money available for spending on consumer products.

Finance Minister Schaeuble has urged global regulators to avoid punitive measures for Europe and other regions as countries aim to meet new bank capital requirements. He emphasised the common methods of operation of banks in Europe. Being united tends to give banks in the Eurozone more authority to speak as one. This decreases the possibility that an individual bank or single nation may see a sizable increase in capital requirements.

With the fluctuations in inflation facing the Eurozone, a number of member states do not think now is the time to be focused on theoretical plans that cannot be supported by changes to existing treaties. The United Kingdom has already made a decision that directly impacts their ability to access employment in other parts of Europe. They did this hoping to have the zone change but are finding that there is a wide disparity between what they want and what the bloc is prepared to give.

Eurozone members aim to find solutions for urgent problems, including the deflationary trap facing the bloc. Together, they aim to find ways of improving the Juncker Fund. This was established in order to remove obstacles to investment. Since 2011, Mr. Schaeuble has emphasised the role that policymakers play in helping to keep the region’s currency stable.

When the Euro faced uncertain times in 2011, he was the one whose pronouncements helped to focus the efforts of leaders across the zone. He asserted that politicians would keep the Euro from devaluing and policymakers would keep the zone unified. Germany is the largest economy in Europe and has always played an important role in guiding policy which manages debt and keeps inflation headed in the right direction. Together, countries in the Eurozone have encouraged each other to overcome crises.

Sometimes tough austerity measures are needed to overcome debt. Each country in the zone has guidelines for the ratio of their debt to their GDP. With supporting policies from other member countries, they have worked hard to meet these and stabilise the currency. Forex traders who buy and sell the Euro through CMC Markets or other providers can be assured that with greater unity, the currency will be backed by increased confidence in all the markets.


The points to consider for good medical device marketing

The CRM systems, various mobile applications and the media can be very good tools for medical device marketing. The competition is increasing in the market and the medical device companies want new marketing models and strategies for the success of their new medical devices.The best factors for the commercial operations in medical device manufacturing industry are the centralized purchasing.The customers, hospitals and medical institutions are giving preference to the lower priced products and better service provider companies.The Medical device manufacturing companies need the better information to know about the needs of customers and their choices.

Today it is not sufficient for sales that you have strong relationships with hospitals and doctors and they will purchase your products for the hospitals and they will recommend your products to the patients.  The purchase analysis teams can have the influence in the decisions of hospitals to buy new medical devices.The good marketing strategies and systems are very important to get the success at this time. The following tools are very useful to plan the good marketing strategy:

  • The relationship with customers: the customer relationship is very important tool for the better marketing of the product. The company should know about the requirements and needs of the customers. Then they should launch the product which can fulfill all the requirements of the customers. the communication tools should be used to know about the demand and then the planning should be made by marketing team.
  • Mobile applications: the mobile is a very important tool these days. Every person uses the mobile and the company should use the mobile applications to interact with the customers. the use of mobile applications can be very effective where the customers can tell about the demand.
  • Services of company: every customer wants the best services. The aftersales service is a very important factor to consider. The customer only attracts to the company which gives the better services. so the support staff should be very polite and supportive.

These medical device marketing tools can make a difference in the better marketing strategy. The technology is allowing the companies that they can communicate with the customers and they can know about the demand in the market.


The company should use the communication tools before launching the medical device. They should provide the product as per the requirements of the customers. the good marketing tools are very helpful in the planning of the medical device marketing strategy.


How Well the Wealth Management Advisors Fit In Your Financial Plan?

While approaching the investors, there are a good number of wealth managers who present themselves as the trusted advisors. Now the biggest question for the investor or the service holder is whether to develop any such relationship with an individual who is compensated for selling a particular product, or should he go for a wealth manager who delivers his service without any conflict of interest between the firm and the clients. Since, more and more of independent advisors grow in the market; the question automatically comes out large and big in front of the investors. It is their decision on which counts how long will they move financially sound in their life.

One of the biggest complaints that reputed wealth management concerns like Dwyer and Associates feel coming their way from the investors is that they are being steered to invest their money on some specific products. Frequently, these products are being managed and manufactured by the firms that employ the relationship manager. These products might be mutual funds, the managed accounts or even partnerships of certain brands or established companies in the market. This policy of working actually holds true for the brokerage firms and investment banks that make their living by reinvesting the same worth again and again on similar products and grounds. In most of the cases, the compensation that these trusted advisors receive depends on the number of the products that they can sell. With such type of motivation working for the brokers, it makes complete sense for the investors to ask if their interest is being prioritized at all.

Most of the large investment services find that there’s a growing lack of trust amongst the investors which make them loose their customer base slowly. In order to regain their faith, these firms, create a platform where they put a limited number of outside advisors apart from what they offer. This helps their customers to cross check whether the policies sold by these firms will at all help their financial condition. These services are generally presented in the form of wrap programs which entails a good amount of fee. The wrap fee generally includes the charge of the investment manager, the advisor who comes from outside, and the charges of the advisor’s employer. They might be convenient for a few, but while considered on the fair value, it is indeed an extra charge that is being paid by the investor.

Going by the aesthetic sense of investing, when an investor lands up for some advice, it is the responsibility of the wealth management services to deliver the best that they have in their inventory. If the investor needs to pay extra just to cross check the credibility of the advice delivered to them by the experts, then it makes no sense to avail by the expert service. With multiple choices available in the market, it really gets complicated for the investors to determine which sector to choose and which not. Upon all these, if they need to worry about the credibility of the expert service that they avail for, then it gets lot tougher for them.

Although the market is being filled with nincompoops, there are a few who still believe in being truthful and have some morale, and one such name is Dwyer and Associates. Their reputation stands as their hallmark and they’ve proved their worth. Go for them, make sure you investment is put in the safest hands.

Stem Cells – What are the Potential Uses

If the term stem cell seems unfamiliar to you, it is nothing surprising. World is waking up to the stem cell research and the importance of stem cell production in medical science. These are biological cells which can be turned into specialized cells. Stem cells don’t have any fundamental structure. Due to this unlike other cells these don’t act in certain ways. Also, unlike other cells these can produced specialized cells, including heart tissue, blood cells and nerve tissues.

Alexander Potoczak is a researcher who has spent a lot of time exploring stem cells and its’ various properties. He has gathered ample information about stem cells and its’ use in the modern science. Alex has observed that in mammals two different types of stem cells can be found – embryonic cells and adult stem cell. Embryonic stem cells are separated from the other inner cells. On the other hand adult stem cells can be found in other tissues as well.

When it comes to adult organisms, stem cells act as a repairing system for the body tissues. It can be used to repair the damaged and torn tissues. If it is used properly in a developing embryo the stem cell can differentiate itself into specialized cells. However, it still maintains the actual regenerative organs like blood, skin or other tissues.

Alexander Potoczak says stem cells regardless of its source in the body come with three major properties. Self-renewal is one of them. It has the capability go through various processes of cell division. However, it does not lose its fundamental property while doing so. It still remains unspecialized. Two different organisms ensure that the stem cell multiplication is maintained. Stem cells usually divide into a main cell which is known as the mother cell. This cell is similar to the actual stem cell. Another division of the stem cell is known as the daughter cell. This one is different from the actual one. In case a stem cell gets divided into two different cells, meaning two daughter cells, another stem cell produces two different original cells.

It is not difficult to identify the stem cells. Alexander Potoczak says that usually, they are identified by the fact whether they can produce tissues. There are numerous ways the stem cells can be used in studies and clinics. Exploring different properties of stem cell promises to produce information about many complex human development. The main objective of this study is to find out how unspecialized cell can turn into specialized cells. Also, how such cells can produce tissues of various kind. Most of the complex medical situations including cancer arises due to the abnormal cell divisions.

An in-depth study is sure to produce more information about such serious disease and help the scientists understand how the cell division causes them. Controlling cell multiplication requires more study of molecular signals that ensure cell division. Stem cells that are found in human body are being tested for different purposes. Alex says the most important use of the stem cells is the production of the cells which can help in cell therapy.

Keys to a Successful Marketing Budget

Keys to a Successful Marketing BudgetMarketing budgets can feel like a chore without a dedicated marketing team crunching the numbers, but every business needs one to succeed. Why?

Because every dollar spent differentiating your business from your competition can earn you five to ten dollars in revenue.

That’s how valuable having a marketing budget is, yet, most businesses find themselves marketing by the seat of their pants because budgeting is a challenge.

What’s The Challenge?

The time and resources required to develop an effective marketing budget are usually scarce, especially for small to mid-sized businesses. The budgeting process is more than just picking a dollar amount, choosing your marketing channels and then creating marketing pieces. It also has to account for research, personnel and tracking.

Before You Begin

It may be your first instinct, but marketing budgets should not begin with how much you are willing to spend. They begin with establishing who your target audience is and researching who can benefit from your product or service the most. Define what they look like, what they do for fun, where they go for information and what they value.Then ask yourself, “What about my brand will differentiate us from our competitors in the target audience’s eyes?”

With a clearer view of your target audience and vetted differentiators, you may research what marketing channels best communicate your differentiators to your customer. For example, if you’re marketing a professional service to other businesses, you might consider LinkedIn or a robust SEM strategy. If you’re marketing a product to millennials, you might consider Facebook or remarketing.

Set Your Goals

Set expectations and benchmarks to measure your progress, but be realistic. If your target audience is small, can you really achieve $5 million in new sales over the year? Can you truly convert 50% of leads when the industry average is 10%? This is not to say your goals shouldn’t be challenging, but make them achievable for the sake of your employee’s morale, your sanity and your bottom line – this is your opportunity to define what your success looks like.

Just having goals is not enough. You must establish tools and a process for tracking your success and making changes. Facebook provides HTML pixels to help you attribute website conversions to a specific Facebook ad. Landing pages or unique URL’s on your website will help you identify campaign related traffic and leads. Promotion or QR codes will help track the success of promotional offers. The key being, if you can’t measure it, don’t do it.

What’s Your Budget?

Traditionally, your marketing budget should be around 10% of your gross revenue. If you are a newer business with less brand awareness, that number could reach as much as 40%. If you are an established brand, that number may drop as low as 5%. No matter the case, your marketing budget should be built to meet the goals you previously set, and focused on reaching your target audience through the marketing channels you researched.

Luckily for businesses today, the digital age has made marketing much more cost effective. A Facebook ad can reach just as many customers as a newspaper ad for a fraction of the cost. A YouTube video can drive website traffic better than any ad buy for television or radio, and an optimized e-commerce website can move product faster than most high-traffic storefronts.

That being said, digital and social media marketing relies on your understanding of your target audience. If your target audience research is off the mark, your well crafted marketing will fall on deaf ears.

The Bottom Line

Building your marketing budget begins before you budget. Careful planning and thoughtful research will set your marketing up for success, and “(tracking) makes perfect.”


Finding Your Target Market For Your Business

One of the most important aspects of business marketing, especially small business marketing, is knowing who to go after. There’s a wealth of people and groups of people out there vying for your services, but there are many competitors who are looking for the same people. It is important to differentiate yourself and go after a select group of people. There are many articles out there that discuss finding your target market and hopefully this article will provide some fresh insights that do not sound repetitive.

#1: Sit Down And Access Which Group(s) Of People Have A Strong Need For Your Products Or Services

There are many people out there and not all of them need your services. For example, if you are a company that sells weight loss services, those who are slim or in good shape will probably not need your products. You would go after those who are overweight or those who feel that they need to lose weight. This sounds easy enough, but one would be surprised how many businesses miss their target market and decide to cast their net wide open and market to a wide audience hoping to land a sale.

Assessing who has a need for your products requires you to sit down and brainstorm the whole process. You must evaluate: 1) who would benefit the most from the use of your product or service and 2) what you be able to say to them about why they should try your product and service. After all, the art of making a sale is about persuasion and your journey to persuasion will be a lot easier if you know who to go after and what to say to them.

#2: Assess The Price Range Of Your Products And Services And Figure Out What Market Is Best Suited For That Price Range

There is always a high variety of price ranges for various products and services. For example, a shirt store may sell their products for what would be considered lower than the industry average because they want to attract the price conscious shopper. Other shirt stores might sell their products for higher than the industry average because they feel their shirts are of high quality and they are hoping to attract an upper or middle class clientele who want high quality shirts.

The important thing is to sit down and access your price range for your product. There is not necessarily a right or wrong price for a product or service as long as you can justify that price and justify the market you are selling that product or service to.

Different Ways Of Promoting Something

People are talking about the new forms of marketing today. It is no doubt that traditional marketing has been around for quite a very long time already. In fact, some are still being used by business owners today. However, with the Internet becoming popular and having a big role on how successful a business is, more and more entrepreneurs are now looking for ways on how they can market their offerings efficiently.

Indeed, there are already many different ways for promoting something.

Types Of Marketing

Internet – This refers to any strategy taking place online. It has a variety of forms such as search engine, video advertisements, and e-mail. It certainly needs a great approach in areas of design, development, and promotion.

Offline – This includes all the marketing efforts that are not done on the online world. Local advertising in newspapers and on radio or television are some of its forms. Today, more and more companies are searching for ways on how they can leverage their offline marketing campaigns with the online one so they can complement each other.

Outbound – This is also known as traditional. This includes any marketing efforts that are taken in order to introduce products or services to someone who is not looking for such product or service. Some examples are sending newsletters, cold calling, banner ads, and billboards.

Inbound – This focuses on having your business found by customers. In other words, the customers reach out to you, not the other way around. The most important thing to bear in mind is that a person determines the product or service he wants and then goes out to find it.

Article – Businesses today are writing articles related to the industry they are in and distribute them offline and online. These copies will educate people about a certain topic and provide the company that wrote it with more credibility in the market. Business contact information can be included in the article so interested individuals can easily contact them.

Trade Show – This is a form of event marketing that allows firms to demonstrate their offerings as well as to examine what’s going on in the industry.

Referral – This relies on the customers of the company. This is also known as word of mouth marketing, which is considered a more spontaneous way of getting new business. Entrepreneurs can’t solely rely on this strategy since results are not very predictable.

Viral – This relies on the marketer’s message being spread quickly on different social networks to boost brand awareness.

Telemarketing – This focuses on reaching consumers through phone. This is also known as cold call marketing. Remember though that this becomes efficient only when the right person is reached on the phone at the right time.

Indeed, there are plenty of ways on how you can promote your business, offline and online. But with today’s competitive market arena, it would be a smart move for you to work with a reliable digital agency.


Tips For Measuring The Success Of Your Marketing And Promotions Campaign

Success Of Your MarketingOne way you can make sure your current marketing and promotions campaign is effective for your business is to measure its success. Even if you think your current plan or strategy is working greatly for your business, without any hard numbers or proof to support this, you can’t afford to be complacent and close-minded. You need to be open to trying new strategies or techniques to ensure that your marketing and promotions campaign is really helpful for your business.

Measuring the success of your marketing and promotions campaign doesn’t have to be an arduous and complicated task. Here are some useful tips you can follow when measuring the effectiveness or success of your business’ marketing and promotions campaign:

Identify the appropriate, measurable goals you have set for your business.

Businesses have various goals they want to achieve. However, you need to identify the ones that are in line with or are the focus of your marketing and promotions campaign. Examples of these measurable objectives are the increase on your website traffic and if your brand reached the specific audience or group you were targeting. Keep in mind that the more measurable the objectives are, the easier it would be to evaluate the success or failure of your campaign.

Determine the specific marketing metrics you want to measure.

Marketing metrics refer to the collection of numerical data which enables you to get some perspective on the current campaign you have to see if it meets the goals your company set for it. Some of the most common metrics you can include or use for this endeavor include your website’s content, lead generation and conversions, page views, bounce rate, social media effectiveness, and search engine referrals.

Take note of or consider key benchmarks.

Documenting present key benchmarks is important to determine the success or failure of your campaign. One way of doing this is to conduct a website analysis and take note of the unique visitors, assess the new visitors compared to recurring visitors, the time they spend on the site, bounce rates, and sales conversions. You can also do the same for your social media sites, online ads, and sales leads and conversions.

Consistently track the results.

Lastly, measuring the effectiveness of your marketing and promotion campaign is not something that you should only do once a year or whenever it is convenient for you. Whenever you will launch a new campaign or strategy, consistently track and evaluate the results. Create a plan or schedule on how often you will document the results since this can help establish accountability. In addition, this will also permit you to adjust the campaign as needed.

Simple and Powerful Marketing Ideas

Keys to a Successful Marketing BudgetA lot of small businesses and especially franchises struggle with marketing. This is especially true when the time comes to decide where and how to invest a limited budget. With the wide variety of marketing tools and techniques out there, it can be tough to be a marketer. One needs to be adept at choosing effective and easy digital marketing for franchises.

Sure, you can go out and research all the different digital marketing ideas for franchises. You can spend a few years trying to implement all the conflicting advice and eventually get results. Alternatively, you can hire a small business marketing consultant to save you years of trial & error.

Whatever option you choose, you still need to understand the commonalities behind any successful marketing strategy. Getting your basics in order will help you choose effective and easy digital marketing for franchises.

The crucial point in marketing is to take some time to research trends in your industry, and discover your customer needs and behaviors. Based on the information you gather you will be able to make a plan and develop a strategy for effective and easy digital marketing for franchises. This way, you can make the most of any budget you dedicate to promoting your business.

You have the opportunity to use numerous digital marketing campaigns for franchises, for a small amount of money. Word of mouth and referral marketing are practically free, but at the same time they are some of the most powerful marketing strategies.

It’s important to remember that whatever you do to spread the word about your business, it has to touch your customers on an emotional level. It’s the secret of effective and easy digital marketing for franchises. Some of the most successful companies in the world have achieved their best results when they’ve used experiential marketing. It’s because they managed to reach deep into people’s emotions.

Give your customers an outstanding brand experience and you’ll make them your ambassadors.



Regardless of the type of business you run, good online presence is a must. The hectic modern lifestyle leads people to search for products and services online and make their purchasing decisions on the go. Moreover, studies show that more than 70% of internet users do their shopping through mobile devices, so you need to make sure that your website is mobile-friendly.

Another crucial point that you need to take into consideration is the optimization of your website. SEO is one of the most powerful tools for a successful online marketing strategy. Taking your place on the first search engine results page will wipe out your competition in no time. It will improve your image and bring the customers to you.

Look at your website as a place where customers can find solutions for their needs. Provide as much helpful information as you can, and do it in a language that your customers will understand. Assure them that you are there to help, not sell.


Social media can be your greatest asset if you know how to use it. It gives you the opportunity to show some personality regardless of how serious your products or services are. It enables you to get to know your customers and connect with them on an emotional level. With social media, your brand can easily become your customer’s trusted friend.

Memes, comics, and infographics are some of the most powerful social media tools. They are visually appealing, aren’t time-consuming, and allow for people to get the message at a quick glance. Find a way to incorporate them into your brand tone and entertain your customers. People like and share this type of content, so it will drive up good referral traffic.

Real time marketing is another insanely powerful technique to grab your customers’ attention and go viral on social media. Choose an event that can be somehow related to your business and use it for promotion; it’s great local digital marketing for franchises. Just be careful with this and make sure that you won’t insult anyone with your witty marketing move. Otherwise, you may end up with tons of negative publicity.


If you want to convince people that you are a leader in your industry, you need to demonstrate your expertise. The easiest way to do this is to start a blog and share your blog posts through social media. Use catchy headlines and write on trending topics related to your industry to show that you’re in the know.

You can also use an opportunity to be a guest speaker at an event or a class, or host your own event. This will boost both your personal credibility and your company’s credibility. Just remember to direct your online and offline demonstration of expertise to your key audiences. Address their pain points and offer your expert solutions.


You can’t develop a real connection with your customers with one-way communication. Use every opportunity to listen to what your customers have to say. Encourage reviews on your website and comments on your social media profiles. This will eliminate the anxiety of the unknown for the prospective customers, and show your current customers that you really care.

Develop a strong customer service. It’s one of the best and the most overlooked ways to ensure spreading a good word about your business. Try to provide customer service through every possible channel – live chat, Skype calls, phone calls, and emails. Ensure your customers that you are there at any time.


Start a loyalty program and use it to show your kindness. Treat your loyal customers as if they are your closest friends. Send them handwritten thank-you notes, seasonal greetings, birthday cards, and small surprise gifts. These small and kind gestures will make them your loyal and active ambassadors. You’ll have their families and friends as your customers in no time.

Show kindness to people who are not your customers, too. Give them the opportunity to experience your product or service and the chances are they will want to purchase it. You can also produce creative, branded items and use them as giveaways.

Give something back to society and your company will be associated with these good deeds. You will surely feel good while doing it and people will appreciate it. Donate some of your product or services to a non-profit organization sponsoring a charity live auction. You can also sponsor other charity events such as marathons, or sponsor a little league in your neighborhood.