Novera Payment Solutions

If you are new to LinkedIn, you may not know all of the available tools to help you and your business.  Many social media users view LinkedIn as just the business version of Facebook, but there is actually much more to it.  For example, LinkedIn Groups are powerful online forums for you to use to engage your customers and industry peers. AutoTask users have three active LinkedIn Groups that are worth checking out!

What is a LinkedIn Group?

You can discover like-minded professionals and join discussions with people sharing common interests in LinkedIn Groups.  LinkedIn Groups provide a place for professionals in the same industry or with similar interests to share content, find answers, post and view jobs, make business contacts, and build credibility as industry experts.  Companies can also benefit from LinkedIn Groups by starting or sponsoring a new group.  In doing so, companies can establish relationships with customers, gain access to an audience of professionals, raise brand awareness and position themselves as a thought leader.      

How do LinkedIn Groups work?

Current LinkedIn users have already set up many different online forums that you can join to participate in discussions or make new connections.  Groups reflect a variety of interests, from a group for a company’s customer base to a group for debating emerging industry trends or even just a group based on a specific geographical area.  There are “open” groups that anyone can join and then there are others where the group manager has to approve new members.  Members may start a discussion on any topic, but occasionally it has to be approved by the group manager before it is posted publicly.  All members can typically comment freely on any of the posted subjects.   

How do I find LinkedIn Groups to join?

There are two ways to find LinkedIn Groups you may be interested in.  Click on the “Groups” tab and select “Groups You May Like,” you will then be provided with suggestions based on your personal LinkedIn activity and profile.  Another option for finding groups is using the search tool with relevant keywords for groups you are interested in.  You can also see a complete list of LinkedIn groups by selecting “Group Directories” under the “Groups” tab.          

Now that you understand more about how LinkedIn Groups work and how they can help you and your business, check out some of these popular groups for Autotask users:

• Friends of AutoTask
  This is a public group where AutoTask  users ask and answer questions, discuss features and resources, and promote AutoTask related events.
• AutoTask MVPs
  The Autotask MVP's actively participate in the Autotask online community AND seek to build relationships and engagement with other Autotask community members at a multitude of industry events and conferences. Each has unique perspectives and experiences that they “bring to the table” that add value beyond the Autotask product.
• AutoTask Certified Consulting Partners
  Exclusive to Autotask CCPs, the purpose of this group is to build community by providing a collaborative forum to discuss Autotask functionality as well as business consulting best practices.

Novera Payment Solutions, LLC is an endorsed provider for credit and debit card payment services for Autotask clients.  Novera was selected to guide Autotask users through the complicated world of credit and debit card acceptance.  Novera delivers a unique combination of value, integrity and price transparency that is unparalleled throughout the payment processing industry.  For more information on how Novera can help you, please watch our video at: http://www.noverapaymentsolutions.com/autotask/

Google+ is one of the largest growing social media sites out there.  With over 300 million monthly active users, the site is not quite as large as Facebook yet, but they’re working on it.  One of the main incentives for businesses to join is being active on the site will help your website rank higher in search engine results. 

Do you have a Google+ business page yet?

Follow these simple steps to get your business page set up and see your business start rising to the top!

Step 1: You Need a Personal Page

Google+ is set up so that every business page is tied to someone’s personal page.  You can’t create a business page without first having a personal one.  If you already have one, you can go stright to step 2.  If you don’t have one, simply sign up for one by going to https://accounts.google.com/SignUp.  There you will be asked to enter your name, email, birthday and gender.   You will also be asked to create a username or use an existing email account and create a password.  The cool thing about Google is that you only need one username and password to access all the Google owned sites.  If you already have a Gmail account, you can login, go to Google+ and then click create profile. 

Step 2: Navigate to Pages

Once you are logged into your personal page, towards the left of the screen you will see a Home button.  If you hover over that, a dropdown menu appears.  There you select "Pages"(towards the bottom).  You will see a button that says create a page. 

Step 3: Choose a Category

Google+ has several categories that you can choose from: Local Business or Place, Product or Brand, Company, Institution or Organization, Arts, Entertainment or Sports and Other.  If your business fits into any of those categories, select that ... otherwise choose "Other". 

Step 4: Add Basic Information

Depending on which category you choose, the process may be slightly different.  If you choose local business, a map will pop up asking you to locate your business.  If you find it, perfect.  If not, you can click "Let me create my business" at the bottom of the listings.  Sometimes this can be challenging, especially if someone previously used your address for a different business and it is still listed on Google.  If you are having trouble with this step, go back to the category page and choose Other.  Once you have picked a category, a screen will pop-up asking you to enter your Business Name and Website Address.   You will have to accept the terms and conditions and then hit continue.  

Step 5: Customize Your Page

Now that your business page is set up, you start adding your business information.  You will be asked to provide a Tagline of approximately 10 words that describe your page.  You should also upload a profile picture.  Here you should use a nice headshot of yourself or the company logo.  In the introduction section, you should type a short paragraph on what your business core services.  You also want to be sure to add your contact infornation.  In addition to the profile photo , Google+ also allows you to add a cover photo across the top of your profile. The profile image can be as large as 2120x1192 pixels. Google+ is helpful in that it walks you through each step so you can easily add your information.  You can also always go back and edit your profile later. 

Step 6: Be Active 

Now that your profile is complete, you should start posting great content to your page regulary.  Being active on your page is what can help drive your business up in the search engine rankings.  Help your business thrive on Google+ by having your friends and related businesses follow your page, and you follow theirs.

Although no one can guarantee your website will rank number one in search results, growing your social media presence definitely helps.  Since Google recently changed its algorithm for ranking web sites, social media is now an important factor.  And since Google+ is owned by Google, it’s definitely a social media site you should pay attention to!

About Novera Payment Solutions

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative flat fee merchant account pricing model.

Contact Novera to learn more about how we work with businesses  to provide the most fair and transparent pricing structure available on the market today!

LinkedIn is a great social network for meeting other business professionals.  It is also a great place for people to learn about your business.  With the ability to create company pages, you can now put your business in front of all the LinkedIn users.  Setting up a profile is pretty simple and with these steps, your page will be up and running in no time.

Step 1: Navigate Your Way to Companies

From your home screen, hover over “Interests” in the navigation and select “Companies” in the dropdown.  To the right of your screen you should see “Add a Company.”  Click that and you are ready to begin inputting your information.    

Step 2: Enter Name and Email

On the first screen, you will be prompted to enter your company name.  Type this name as you want it to appear on your LinkedIn Company page; this is how others will find your business.  You will also need to enter your email address at the company to prove that you are a current employee of the company. 

Step 3: Basic Information

On the next screen, you will be asked for some basic information about your business.  You can provide a link to your website, choose your industry, add a location and contact information and more.  This step is pretty self-explanatory. 

Step 4: Description

In this section, be sure to be detailed about your business without going overboard.  You want to use keywords that people will be looking for to find your business.  This is also the section where you can build creditability for your business.  You don’t need to talk about every individual product or service you offer in this section; there will be a place to add that later.  This should be a general summary of who you are as a business and what you do.

Step5: Pictures

You are also able to upload your logo which will appear similar to the way a profile picture would on Facebook.  You can also upload a cover photo to be displayed on your company profile page.  Once you have everything filled out and your pictures uploaded, click publish.  You can always come back and edit anything that you need to.     

Step 6: Products and Services

Here is where you can get into detail about the products and services your company offers.  Once you have saved your company profile, you should be on your company’s home screen.  In the navigation at the top, click on the Services link.  From that page you will be prompted to add a service or product.  If you do not see that option, go up to the edit button in the top right corner and in the dropdown you should see add product or service.  Now you can choose a category that your service or product fits into.  You have to name it, add a description and you can also upload a photo of it.  You can add features if you like and also add a link to a specific page on your website or a YouTube video about the product.     

Now your LinkedIn Company Profile is complete.  You can always add to it and update it as your business grows and changes.  Now it’s time to start promoting your page.  Be sure to let all your connections on your page know that you have a new company page and to go follow you.  Then be sure to post relevant content on a regular basis not only to your personal page, but also on your business page.  This will not only help you to be seen within LinkedIn, but having an active social media presence can help your business jump up in the search result rankings.

About Novera Payment Solutions

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card  merchant accounts through our innovative flat fee merchant account pricing model.

Contact Novera to learn more about how we work with businesses  to provide the most fair and transparent pricing structure available on the market today for credit card processing! Contact Novera to request a free quote on your merchant account. We are confident that our flat fee merchant account will provide significant savings over what you are currently paying for your credit card processing fees.

It's no secret to business owners that credit card fees can be extremely confusing.

At Novera Payment Solutions, our goal is to remove the mystery and provide a service that is clear and easy to understand.

The first thing to know about pricing is that MasterCard, Visa and Discover in conjunction with the banks that issue the credit and debit cards to the consumer actually set the underlying transactional cost of credit card processing (known as “Interchange”). They then pass along this transactional cost to the processor, who in-turn adds a profit before providing the retail rate and service to the merchant. The cost or “Interchange” is now public knowledge and posted on MC/Visa/Discover’s respective websites.

Tiered Pricing for Credit Card Processing

Currently tiered and/or a form of cost plus pricing is the methodology most processors still prefer to use in order to preserve the highest profit margins on merchant accounts. Understanding tiered and other forms of pricing  is the key component to determine if your paying more than you should for your merchant account.

Tiered pricing utilizes the 160 +/- individual transactional costs (known as “Interchange”) with each transactional cost comprised of:

1. Unique percent of the sale
2. Transaction fee 


Both are dependent on the type of card used, (i.e. debit, credit, rewards, business etc..) and, how the purchase was made (in person, over the phone etc...). 
These transactional costs (which are the same for all merchants large and small) are categorized into either three or four tiers with each tier housing approx. 40 of the 160 transactional costs (“Interchange”).

Why Understanding Fees is Important

Understanding the challenge with Tiered pricing is the next step in understanding merchant pricing. Twice a year MasterCard/Visa/Discover reviews and adjusts some of the 160 +/- transactional costs and passes this change along to the processor, who in-turn, usually seizes that as an opportunity to raise the tiered retail rates to the merchant and create additional profit made on each of its “tiers” (the difference between the underlying transactional cost and tiered retail rate) thus raising the entire expense for the merchant, even if the underlying transactional cost is never actually applied against the merchant for a transaction.

Ultimately this is what causes the merchants fee to creep upwards over time.

It’s not simple, it’s not transparent and it’s not fair pricing.

Novera Payment Solutions Approach

Novera Payment Solutions has developed a unique pricing format that passes along all the direct transactional costs:

1. Interchange

2. The processor costs
3. A small “FLAT FIXED FEE” per month depending upon the monthly merchant volume (usually between $19.95 per month up to $99.95 per month). This amount is essentially the gross margin on the account.

Since everyone knows we are in business to make a profit, we are not hesitant to let our merchant clients know what a reasonable profit margin will be.

 In addition, this pricing format delivers:

1. Substantial savings based upon volume
2. Transparency in pricing
3. Detailed reporting on statement

4. Best “cost plus format” available
5. Flat fixed fee never changes

Your Savings Can Increase Over Time

The savings can actually increase over time because unlike the “tiered” and / or other forms of cost plus pricing structures, which raises the overall rate of the tiers or markup when MasterCard/Visa/Discover change rates, our program only raises the one line item effected, this is the only true transparent way of offering merchant processing.

Next Day Funding or Weekend Funding for Gross Deposits

In addition, Novera Payment Solutions offers our merchants in most cases the option of either “Next Day” or “Weekend Funding”, and always with “Gross Deposits”. Unlike many processors who deduct their rates/fee’s daily from your deposits, fees for our services are not collected until the month AFTER the month you have been processing. This means your get your money faster and it’s easier to reconcile with your bank statements.

Novera Payment Solutions is a Great Solution for Your Business Credit Card Processing

The Novera Payments' solution not only offers an integrated credit card processing solution, it also offers a unique transparent pricing model unparalleled in the merchant services industry.

Keyboard shortcuts can be a lifesaver in a time crunch.  The ability to keep your hands on your keyboard rather than switching back and forth between it and your mouse can increase productivity.  You also won’t have to search through all the buttons in the program to find what you need.  Take a look at this list of QuickBooks keyboard shortcuts from the QuickBooks User Guide to make your work simpler. 

General

To start Quickbooks without a company file – Ctrl (while opening)

To suppress the desktop windows (at Open Company window) – Alt (while opening)

Display product information about your QuickBooks version – F2

Close active window – Esc or Ctrl+F4

Dates

Next Day –  + (plus key)

Previous Day –  - (minus key)

Today – T

First day of the week – W

Last day of the week – K

First day of the month – M

Last day of the month – H

First day of the year – Y

Last day of the year – R

Date calendar – Alt + ↓ (down arrow)

Moving Around a Window

Beginning of current field – Home

End of current field - End

Next word in field – Ctrl+→

Previous word in field – Ctrl+←

First item on list or next month in register – Ctrl + Page Up

Last item on list or next month in register – Ctrl + Page Down

Activity

Create invoice – Ctrl + I

Delete check, invoice, transaction, or item from list Ctrl + D

Find transaction Ctrl + F

History of A/R or A/P transaction – Ctrl + H

Memorize transaction or report – Ctrl + M

New invoice, bill, check or list item in context – Ctrl + N

Open account list – Ctrl + A

Open Customer Center (Customers and Job list) – Ctrl + J

Open Help for active window – F1

Open list (for current drop-down menu) – Ctrl + L

Open memorized transaction – Ctrl + T

Open split transaction window in register – Ctrl + R

Open transaction journal – Ctrl + Y

Print – Ctrl + P

QuickReport on transaction or list item – Ctrl + Q

Show list – Ctrl + S

Write new check – Ctrl + W

Editing

Edit transaction selected in the list or register – Ctrl + E

Delete line from detail area – Ctrl + Del

Insert line in detail area – Ctrl + Ins

Increase check or other form number by one –  + (plus key)

Decrease check or other form number by one –  - (minus key)

Keyboard shortcuts are fast and efficient.

Some people may not care for shortcuts because they can be hard to remember; but once you get the hang of it, you realize just how much they can help.  We’re not saying you will never have to use your mouse again, but you can definitely quit reaching for that mouse every other second and actually get some work done!

The Novera Advantage

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative flat fee merchant account pricing model.

Contact Novera to learn more about how we work with businesses to provide the most fair and transparent pricing structure available on the market today for credit card processing and our QBPlugin for QuickBooks!

Our powerful QBPlugin saves your busineses an incredible amount of time and money in reduced labor. When you pair that with Novera's innovative flat fee merchant account pricing model, it's even better!

Introducing the QBPlugin from Novera Payment Solutions

Whether you a new QuickBooks® user, or a power user, you'll love the new QBPlugin from Novera Payment Solutions!

The Plugin for QuickBooks® is a payment software for Credit Cards,ACH (Automated Clearing House), EFT, (Electronic Funds Transfer)and Electronic Check Conversion using a powerful and secure Payment Gateway and Secure Vault Software. You can process through your QuickBooks® software and attach it to your Merchant Accounts.

Finally, you have the freedom to choose the best solutions available to cut your processing costs & accounting times and great merchant accounts.

Benefits & Features

• Process Credit Cards
• Process ACH transactions
• Process paper checks electronically
• Real-time transactions
• Never drive to the bank again
• Reduce accounting stress and time
• Batch processing for Credit Cards, ACH checks through QuickBooks
• Process payments directly from invoices or receipts
• Process multiple invoices
• Automatically applies payments
• Pulls & Posts data to & from QuickBooks®- no double entry.
• Applies address & info updates
• Receipt Printing for Face-to-Face or shipping slips
• Card Swipe – Card in Hand
• Up to 2 Gateways (MID's) 1 Credit Card and 1 ACH
• Works with Pro, Premier, Enterprise
• QuickBooks® Multi-user support
• ISO, SSL and PCI DSS Certified
• Secure PCI Credit Card Vault
• Full Tokenization Security
• Email and Phone Technical Support
• Website and Video Training

The Novera Advantage

The features and benefits of the powerful QBPlugin save your busineses an incredible amount of time and money in reduced labor. When you pair that with Novera's innovative flat fee merchant account pricing model, it's even better!

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative flat fee merchant account pricing model.

Contact Novera to learn more about how we work with businesses  to provide the most fair and transparent pricing structure available on the market today for credit card processing and our QBPlugin for QuickBooks!

Smartphones are the way of the world. You can now find an app for just about anything.  But with so many to choose from, how do you know which apps will work best for your business?  We have put together a list of 5 popular mobile productivity apps to help you out. 

Quip

Quip is a new mobile document app perfect for collaborating with your team.  You start by creating a draft, then add your co-workers and get a notification when they open the document.  From your phone you can see the edits everyone makes and then finalize the document.  You can even cut down on email with this app.  Instead of sending documents through email, you can create a shared folder with all your team members.  You can create checklists and to-do lists and use the document thread to discuss additions.  You will also receive notifications every time someone adds new material, edits a document or sends a message.  The app can also make your meetings more efficient by sharing your agenda and notes with everyone.  You can even share presentations.  And during the meeting everyone can be looking at the documents at the same time.   

Google Keep

Google Keep is the perfect app for quickly making a note or reminder so you don’t forget later.  You can keep track of your thoughts by notes, lists or even photos.  You can add reminders to your notes and get notified later.  The app can even transcribe voice notes automatically.  You can add checkboxes to your notes to quickly create a checklist and check the items off as you get them done.  Color code your notes to easily find them and then when you are finished with them, just swipe to send it to the archives.  You can access your notes from the app on your phone or online from any computer. 

Tempo Smart Calendar

This calendar app finds everything you need to know for your appointments and gathers it in one convenient place for you to access. Contacts and details are organized by who you are meeting with this week and you can see your network; the company’s latest news and background info is right at your fingertips.  Any emails or documents related to your appointment are available in the app so you can find information quickly.  All the ways to connect are organized within the event and if it is a conference call, you can save the pass code to get in quickly and easily.  You can even send a pre-made “I’m running late text” to the person or people you are meeting.  Type in where you need to go and the app can get you the address, directions and drive time.  You can even get your flight status, terminal and gate within the app.  Use Tempo instead of open many apps such as your calendar, contact book, google maps, airline app, etc.; access everything from one place!          

Talkboard

Talkboard is a collaborative whiteboard app that lets you sketch ideas and work on them with others.  The app is perfect for brainstorming with your group or even just capturing thoughts on the go.  Easily invite others to sketch with you and receive instant feedback on your idea.  The app makes working together fun and effective whether you are in the same building or spread out across the country. 

Mailbox

The inbox allows you to fly through your emails and quickly swipe to archive, delete or even snooze so it will pop back up later!  You can also scan an entire email conversation at once with chat-like organization.  Instead of scrolling through emails that you can’t deal with until later, swipe and tap to snooze your email and have it reappear later that day or the next day or the next week.  Now you can have a clean inbox that is nice and organized.  You can even add multiple email accounts to the app so all your emails are in one place!

These apps (and many others) can help you with every aspect of your business, from getting employees to collaborate to keeping yourself organized.  Businesses just like yours have been using them to increase productivity.  The best part is, many of these apps are free!  Check them out when you get a chance. Here’s to a more productive 2014! 

About Novera Payment Solutions

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card  merchant accounts through our innovative flat fee merchant account pricing model.

Contact Novera to learn more about how we work with businesses  to provide the most fair and transparent pricing structure available on the market today for credit card processing! Contact Novera to request a free quote on your merchant account. We are confident that our flat fee merchant account will provide significant savings over what you are currently paying for your credit card processing fees.

QuickBooks® pitches itself as "a better way to run your business", allowing you to do more in less time, work anywhere, anytime, including all the essentials from bookkeeping and billing to payments and payroll.

No matter what type of business you have, keeping track of all your financial information is very important.  Having a reliable accounting system that is easy to use is essential.  QuickBooks® was created for use by small business and provides many features to cover your accounting and payroll needs. 

6 Possible Advantages of Using QuickBooks® for your Business

1.  It's User Friendly.

QuickBooks® is probably one of the easiest accoutning programs out there to use.  Sample companies are available for you to practice using the program with, allowing you to navigate through all of the features without messing up any of your company's real data.  And of course, there are tips and help features to get you through any challenge that may come your way. 

2.  It's extrememly customizable.

A nice feature in QuickBooks® is the ability to customize it to fit your business.  You can upload your logo to use on letterhead, invoices and reports.  You can setup your own layout for documents to make them work the way you want them to.  You can remove unecessary fields and edit the Greeting, Salutation, and more.  There are also several different versions of QuickBooks for you to choose from depending on the type of business you have.

3. It's compatible with other popular software for business.

Since QuickBooks® is a widely used product, it is compatible with many other programs you may already use for your business.  QuickBooks® was designed to be compatible with Microsoft Excel and Acrobat Reader.  This allows you to import and export data for use in reports, presentations and more.  If you are currently using Excel for your accounting, you can easily switch to QuickBooks without losing any of your work or having to re-enter everything; simply format your Excel document and upload your current data into the QuickBooks® system from Excel to get started. 

4. It's inexpensive.

The price of QuickBooks® is very affordable compared to a lot of the other accounting programs on the market.  Prices start at about $250 for the basic boxed package and as low as $12.95 per month for the online version.  They even offer a 30-day free trial so you can try it out before purchasing. You don’t even have to go to the store for the box version because they offer the program as a download on their website. 

5. It keeps your data organized.        

QuickBooks® can store a lot of information.  It tracks all of your checks, bills and invoices and can even keep track of your inventory and send you an alert when it’s time to re-order.  This feature will not only save you time, but will also increase accuracy and reduce errors.  You will always know where your business stands financially and you can even project forecasts. 

6. If you accept credit cards, you can integrate your merchant account.

Using Novera Payment Solutions' QBPlugin, you can easily integrate your merchant account with QuickBooks. This eliminates duplicate data entry, streamlines your process, and saves you money on credit card processing fees.

From billing and payroll to statements and reports, QuickBooks® has you covered.  Whether you are a small business or a larger enterprise, QuickBooks has designed a program just for you.  If you are looking to get rid of that old ledger or are just looking for a change in your accounting software, QuickBooks could be your solution.

About Novera Payment Solutions

Novera Payment Solutions is a leader in the credit card payments industry. We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative flat fee merchant account pricing model.

Contact Novera to learn more about how we work with businesses  to provide the most fair and transparent pricing structure available on the market today for credit card processing and our QBPlugin for QuickBooks!

Unfortunately, the holiday season is also a big season for scams and fraudulent activity. We often think of these in terms of email phishing attempts and fraudulent credit card transactions, but did you know gift cards are a prime target for this kind of activity, as well?

According to the IC3 (Internet Crime Complaint Center), gift card tampering and balance theft should be of concern to merchants. Because of their anonymous nature, "gift cards offer multiple outlets to turn them into cash, and can be used as a way to launder money."

We've all received gift cards in one form or another .... either an actual physical gift card, via e-mail, and even via social media or mobile.  Because gift cards are available in such a variety of forms there are multiple ways to commit fraudelent activity that not only harm consumers, but merchants as well.

One of the most "popular" forms of gift card fraud occurs when a theif steals an inactive card from a store display, then records the card number and access code and returns it back to the display. Once the card is purchased by a consumer and activated at the checkout register, the funds are then available for the thief to use online. All the thief has to do is regularly check the available balance to determine when the card is active.

Another method being used by criminals is copying the bar card information off of a merchant gift card. They then create duplicate/matching bar code stickers and attach them to multiple gift cards on the display. These gift cards are then purchased by unsuspecting consumers.  When activated, the actual funds are added to the thiefs original card rather than to the actual gift card purchased by the consumer.

A third method used by fraudsters is searching online for people who have gift cards listed for sale. They call the seller and ask the seller to confirm the balance available on the card via a three-way call between the seller, the "buyer", and the merchant's IVR. The seller then enters the card number and pin using their keypad during the three-way call. What they don't realize is that the "buyer" is using software to capture the card number and pin in the background. Armed with that information, they can use the funds online to make a purchase without ever paying the seller for the card.

Many retailers find that the biggest source of fraudelent activity is found in employees. A customer comes in to pay for merchandise using a gift card. When the transaction is complete, the customer's card still has a remaining balance, but the employee switches and gives them a card back that has no balance available. The employee then takes the customer's card and spends the remaining balance.

The best way to prevent fraud as a retailer is to be educated about the methods that thieves are using. This enables you to be proactive. A few suggestions for retailers:

• If you use a card display, place it near your registers or where it always has a team member nearby.
• Make certain that zero balance cards from customers are destroyed.
• Keep close track of blank cards.
• When purchasing gift cards for your business, be sure to talk with your provider about security measures included with the card. The small added cost for additional security can save you money over the long term from losses due to fraudulent activity.

About Novera Payment Solutions

Novera Payment Solutions is well known as a leader in the credit card payments industry and is committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative flat fee merchant account pricing model.

Novera Payment Solutions Advantange

• Novera Payment Solutions's consultative approach allows us to thoroughly educate our clients, equipping them to better understand this complicated industry.

• We take the mystery out of the credit card processing business.

• We work with all types of businesses across the country.

Contact Novera to learn more about how we work with businesses  to provide the most fair and transparent pricing structure available on the market today for credit card processing and gift card program strategies!

Home Helpers has teamed up with Novera Payment Solutions, LLC (Novera) to offer cost saving credit and debit card payment services for Home Helpers franchisees. Novera was selected to guide franchise owners through the complicated world of credit & debit card acceptance. Novera delivers a unique combination of value, integrity and price transparency to Home Helpers franchisees that is unparalleled throughout the payment processing industry.

About Home Helpers

Since 1997, Home Helpers has been a leader in home care services.  Their dedicated caregivers provide one-on-one care to seniors, new & expectant mothers, working parents, and individuals right in the comfort of their home.  Home Helpers senior care services allow individuals to live independently in their home instead of an assisted living complex or nursing home.  They provide elder care from a few hours a week to 24/7, and tailor a flexible care plans to fit the needs of their clients. Learn more about Home Helpers at http://www.homehelpers.cc.

Home Helpers Franchisees Can Now Accept Credit Cards with Flat Fixed Fee

Novera Payment Solutions provides a simple flat fixed monthly fee structure for credit card processing. Many companies don’t fully understand credit card processing rates. The underlying cost to accept credit cards and debit cards is the same for all merchants,  and consists of Interchange fees and processor costs. Interchange fees make up the majority of the cost of a monthly bill, and is never negotiable. Variable inflated rates and other transaction-based fees account for most of the difference. This is where most processors make their profits. Under the arrangement with Novera, Home Helpers Franchise Owners can now receive a transparent, flat fixed monthly fee pricing model to save money of their credit card processing for the life of the account.

Grow Your Home Health Care Business with Savings & Added Efficiency

Novera Payment Solutions will also offer Home Helpers franchise owners the opportunity to access software tools designed to help franchises run more efficiently and cut costs. This includes virtual terminals, mobile payments devices, website payments portal, and a “QBplugin” that integrates with QuickBooks to ensure a seamless interface and posting tool.

Novera’s Director of Business Development, John Wisniewski, reports, "By utilizing Novera's flat fee pricing structure, Home Helpers franchisees will never pay more than they should for credit card processing services."

Novera Payment Solutions is excited about our partnership with Home Helpers to provide their franchise owners with solutions that help them grow and succeed!