'Tis the season ... and if you are a retailer, it's time to get your holiday shopping game plan together!  Start by recognizing essential dates during the holiday season and planning your deals and discounts accordingly.

Here are 6 holiday shopping dates that every retailer must know:

1. National Shopping Reminder Day (Nov 25)
   As if we needed a reminder!  National Shopping Reminder Day is there to remind us that the countdown has started to get your Christmas list in order and get busy! As a retailer, you can take advantage of this national day by promoting early specials or discounts on your website and social media channels.
   
   
2. Thanksgiving Day (Nov 27)
   This is controversial shopping day. With many retailers suffering negative publicity for being open on Thanksgiving Day, consider proceeding with caution if you intend to promote Thanksgiving Day as a shopping day for your business.  That said, there are plenty of people who DO shop on Thanksgiving Day.  How not to miss out? Promote online only specials! That way you aren't encouraging people to ditch their families on this day of tradition, but you are giving them a great opportunity to pick up some deals online while the guys are sleeping on the couch.
   
   
3. Black Friday (Nov 28)
   The most well known of ALL shopping days ... the earlier you open the better! Retailers offer steep discounts in limited quantities and profit from the multitudes of people with open wallets coming through the doors. In recent years, Black Friday has become more of a weekend than a single day. Why not take advantage and tier multiple offers that last Friday, Saturday, AND Sunday?
   
   
4. Cyber Monday (Dec 1)
   Still in the shopping spirit, people head to work the Monday after Thanksgiving and spend their time looking for great discounts online. According to Channelnomics, "55 percent of businesses predict their employees will spend two to four hours a week throughout the holiday shopping season starting Cyber Monday -- and 63 percent expect a greater decrease in productivity compared with last year." Their loss is your gain ... make sure you take advantage of Cyber Monday by promoting your specials and discounts on your website and across all of your social media channels.
   
   
5. Free Shipping Day (Dec 18)
   Not a favorite day for retailers, but HUGELY popular with consumers, Free Shipping Day is not to be overlooked. The idea behind free shipping day is that you don't set a minimum order amount for free shipping. All shipping is free that day and the items being ordered are guaranteed by Christmas. Many consumers WAIT to shop just for this day, so make sure you are in the game. Avoid huge losses by minimizing other discounts and deals ... let your free shipping be the deal.
6. The Weekend Before Christmas (Dec 20 & 21)
   Procrastinators are your best friend. Shoppers who have waited until the weekend before Christmas to get their shopping done tend to price compare less and impulse buy more. You can profit by running specials this weekend, and you can even scale those specials back a touch. Instead of 15% or 20% off, try 12% (for the 12 days of Christmas)!

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 and trasparent flat fee merchant account pricing models. We are confident we can save your business money on credit card processing fees!

Save money on your credit card processing fees this holiday season. 
Contact us today for a free quote!

"Chargeback" is a term  used to describe when a customer disputes a charge on his or her bill. This typically happens when a customer doesn't recognize a charge, the customer is double-billed or charged the wrong amount, or the customer is dissatisfied with the merchandise or service.

Chargebacks can be costly for merchants, so it's important to minimize them as much as possible. We thought we'd share 5 steps you can take NOW to help prevent chargebacks over the busy holiday shopping season. These chargeback prevention tips can be classified in two categories: 1) proactive; and 2) reactive. We recommend the proactive steps first so you can prevent the customer from initiating the chargeback in the first place.

1. Post Your Return Policy and Make it Easy to Find
   
   Your return policy is your best friend when it comes to preventing chargebacks. Make sure it is very clear and it is easy to find on your website and in your store. Your return policy is also part of your defense when you have to dispute a chargeback claim, so if you don't already have something in writing, make sure you create one before the holiday shopping season starts.
   
   
2. Provide Excellent Customer Service
   
   Holiday shopping can be frantic for both merchants and consumers. Merchants are busy beyond capacity at times. Consumers are in a hurry, purchasing products/gifts they wouldn't normally buy, and making lots of impulse buys. Both scenarios can lead to customer service issues and chargebacks.
   
   Most consumers will contact the merchant to resolve a dispute first, then initiate a chargeback if he or she doesn't receive assistance or a refund from the merchant. When contacted by one of your customers regarding dissatifaction with a product, be prompt in responding to the customer and attemp to resolve the dispute. Refunding a customer's money up front could actually cost you less than losing a chargeback dispute down the road.
   
   
3. Communicate with Customers
   
   This is especially important for online merchants. Let your customer know when his or her order is expected to ship and how long the shipping will take. If you have an item out of stock or on back-order, let the customer know immediately.
   
   
4. Practice Truth in Advertising
   
   If you are running deep holiday deals and specials, make sure the terms are clear so you don't surprise your customer. If you run out of a particular item that was on sale, do not substitute another item in its place without the consent of your customer. Surprises lead to chargebacks. Avoid surprises at all costs.
   
   
5. Use Best Practices When Processing Credit Cards
   
   This means swipe the card when possible, get a signature, and verify the signature. If you are online merchant, use address verification and CVV/CVC codes. A short training session with your employees ahead of the holiday shopping rush can help you avoid unnecessary chargebacks.

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 and trasparent flat fee merchant account pricing models. We are confident we can save your business money on credit card processing fees!

Novera Payment Solutions enables merchants to accept credit card payments anywhere. Whether you are on a job-site, on delivery routes, at the office, or even at home, Novera offers business on the go at a very affordable rate!

Our WorldPay Mobile card reader is now available, making accepting credit card payments from ANYWHERE inexpensive and easy to get started.

A few of the benefits of accepting mobile credit card payments include:

• Convenience
  Merchants can accept payments from virtually any location
• Easy to Use
  Simply plug the card reader into the headphone jack of a compatible smartphone
• Faster Checkout
  Use the mobile reader as an additional checkout terminal during peak hours
• Direct Link to the Portal
  Direct link to our http://my.worldpay.us portal
• Security
  Card readers are encrypted with WorldPay's advanced encryption technology
• Next-Day Funding
  Eligible merchants can get the funds they earn as soon as the next day!

Our mobile payments card reader is compatible with the following devices:

• Apple Devices

• iPad Mini (1st Generation)

• iPad Mini 2

• iPad Mini (3rd & 4th Generation)

• iPhone 4/4S/5

• iTouch (5th Generation)

Best when used with iOS 5,6, and 7
iOS 8 is not compatible at this time (release date targeting late October)

• Android
• Samsung Tablet - Lite OS v10.1
• Samsung Galaxy Note II (phone)
• SAmsung Galaxy 4S (phone)
• Google Nexus 10 Tablet
  
  Operating Systems:
  Ice Cream Sandwich (v4.0 and above)
  Jelly Bean

 For more information about about our mobile card reader, contact us!

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 and trasparent flat fee merchant account pricing models. We are confident we can save your business money on credit card processing fees!

Just because we know you've always been curious about what all that "stuff" is on your credit card front and back, we thought we'd give a basic anatomy lesson. A few facts may surprise you, like did you know that VISA card numbers ALWAYS start with the number 4?  Read on!

1. Bank Name
Typically a bank name appears at the top of your credit card. This represents the bank that is lending you money via the credit card transaction, not the company that processes the payments. For exmaple, your VISA or MasterCard will have a bank name at the top ... the bank is the entity lending the money and VISA or MasterCard is the processor.The exception is with American Express or Discover ... they are both the bank lending you money and the processor.

2. Computer Chip
The computer chip is being phased in to United States issued credit cards to improve security and reduce fraud. The credit cards containing chips are called EMV cards. EMV cards are more secure because the computer chip generates a unique code for every transaction you make, whereas the magnetic stripe has static data that can be stolen and re-used. During the phase in, cards will have both, the computer chip AND the magentic strip on the back, but ultimately the magnetic strip will go away.

3. Account Number
The account numer is made up from a series of complex algorithms and each series of numbers has very specific meanings. The details are way too much information to go into here. However, you may be interested to know that the very first number on the card is the "Major Industry Identifier." You can tell what kind of card it is from the first number if you know that all Visa cards start with a 4, MasterCards start with a 5, Discover cards start with 6, and American Express cards start with a 3.

4. Cardholder Name
Credit cards will also have the first and last name of the cardholder or the organization that is associated with the account. Online transactions typically require the name on the card to
exactly match the cardholder name as an added layer of security.

5. Hologram
The hologram displays a three-dimensional image on the two-dimensional surface. This was introduced to help prevent counterfieting of credit cards.

6. Expiration Date or Valid Thru Date
This indicates the last month and year the credit card can be used. Some banks include a day of the month, but typically it's just the month and year.  The day (not shown) is the last day of the month.

7. Magnetic Stripe
Magnetic stripes on credit cards come in three colors colors black, brown or sliver.  They have up to three tracks. The first two tracks contain the card holder data necessary to complete the transactions.  With the new EMV credit cards, magnetic stripes will ultimately be phased out.

8. Signature Strip
Credit cards must be signed to be valid. When you sign the strip it gives businesses an extra tool to guard against fraud, because they can see whether the signature on the cardmatches the one on the receipt.

The signature stripe also includes the credit card security code (CVV or CIV code) on Visa and MasterCard cards. This also provides additional security against credit card fraud because you have to have the card in hand to see the code.

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 and trasparent flat fee merchant account pricing models. We are confident we can save your business money on credit card processing fees!

There seems to be several myths surrounding credit cards, their use, and how they may (or may not) impact your credit score as a consumer. We thought we would debunk some of the more common misconceptions.

Myth #1. Applying for multiple credit cards will hurt your credit score.

When you apply for a credit card it does result in a "hard" inquiry which can cause a temporary dip in your credit score. However, for most people, opening a new credit card card can actually help your credit score (over time) because it helps you establish more credit history and reduces your debt-to-credit ratio.  Of course, the exception is when someone applies for multiple cards in a very short period of time and has limited credit history. The dip in credit score from the multiple hard inquiries may not be so temporary.

Myth #2. If you need to improve your credit score, cancelling credit cards helps.

Cancelling credit cards can actually HURT your credit score. The reason is, when you cancel a card you are reducing the amount of credit available to you. This can increase your debt-to-credit ratio (the amount of debt you have compared to the amount of credit available) and thus have a negative impact on your credit score. It's better to pay off the cards, but leave the accounts open if you are trying to improve your credit score.

Myth #3. My card has no spending limit ... cha-ching!

Many of the "exclusive" credit cards (Platinum, Signature, Black, etc.) appear on the consumer side not to have spending limits. Don't be fooled if have one of these cards ... you do not have cart blanc to spend whatever you'd like. Every credit card has a spending limit, some higher than others. What the credit card companies aren't telling you is that non-disclosure of their NPSL (Non-Preset Spending Limit), is how they attract consumers and make them think their card is more "exclusive" than other cards.

Myth #4. Ordering a credit report will hurt my credit score.

There are two types of inquiries associated with your credit report, "hard" and "soft". A hard inquiry is generated when you are applying for credit, seeking pre-approval for a loan, or an inquiry used to determine rates you will pay (e.g. insurance). Hard inquiries require your signature authorization and can ding your credit score temporarily by a few points. Soft inquiries are generated by credit report requests, "pre-approved" credit card offers, employer inquiries, etc. Soft inquiries do not impact your credit score.

Myth #5. People who use credit cards all the time must have a lot of debt.

While it's possible that someone who uses credit cards all the time may have a lot of debt, this should not be your immediate assumption. There are a large number of people who use credit cards for practically everything and pay them off in full each month.

Myth #6. I pay my bill in full each month, so I pay no interest. That means my credit card company probably doesn't like me very much.

This is not true at all. While they may not be earning monthly interest fees from your account (good for you), the credit card company earns a fee from the merchant each and every time you use your credit card. Trust us, you are a valued customer to your credit card company ... whether you pay your bill in full each month or not.

About Novera Payment Solutions

Novera Payment Solutions is a leader in the credit card payments industry.

Why do we care about credit card myths?  Because while you may be a business owner, you are also a consumer who uses credit cards. We care about the success of our clients and strive to provide information and content which can be useful not only in their business but in their personal lives, as well!

We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative and trasparent flat fee merchant account pricing models.

At Novera Payment Solutions, we serve clients nationwide providing credit card processing solutions, but many of our customers own very local businesses. We all know that getting your business website found in the search engines can be very challenging, especially in large markets where there is a lot of competition. They key is to optimize your website for LOCAL search. There are several elements to this and ensuring you have a presence in local directories is one of them.

Gain a step on your competition by ensuring you have claimed your business listing on the following seven websites. 

1. Google+

With Google being the MacDaddy of all things search, you should start here. It's simple to claim your space on Google+. Simply create the page here (https://plus.google.com/pages/create?ppsrc=bupg8), complete your profile, then verify your page and vanity URL, Add the Google badge to your site (to grow your following), then link your YouTube channel to your page (if you have one). Google walks you through each and every step of the process!

2. Yelp!

Yelp! helps millions of visitors every month find local businesses. To claim your free business page on Yelp! go to https://biz.yelp.com/claiming and click the "Claim my Business" button. Yelp! will walk you through the process of setting up your page listing. You'll be able to enter your business name, address, hours, description, and even add photos to the listing.

3. Yahoo

In spite of Google's dominance in online search, Yahoo remains competitive in local search and news. Yahoo recently made several changes to it's local business listing area and has broken it's listing opportunities into three types: 1) Yahoo Local Basic Listing; 2) Yahoo Local Enhanced Listing (paid monthly); and 3) Yahoo Localworks (paid monthly). With the free basic plan you have all you need. You can add information about your business’ products, include a link to your website, and provide your business contact information. To setup your free business listing, go to https://smallbusiness.yahoo.com/local-listings, then scroll down to the center area of the page and click on "Try Local Basic Listing for free".

4. Facebook

If you don't already have a Facebook business page, it's time to make the move. Facebook has millions of users and they check their Facebook news feeds multiple time per day. To create or claim your Facebook business page, go to https://www.facebook.com/pages/create/.  As with all the other sites, the most important thing to fill out your business profile completely.

5. CitySearch

Citysearch has provided local reviews for about a decade. Citysearch partners with InfoUSA for local business data. They offer an Express Update service that allows merchants to update their listing data as well as add new businesses. Once you’ve added your business it can take  1 – 2 months for the information to be on Citysearch. Find out more at: http://www.expressupdateusa.com.

6. SuperPages

SuperPages is top online resource for finding information and insights on businesses and retailers. Every month they help millions of consumers find local business information, including driving directions, hours of operation, and customer reviews. To claim or edit your business listing with Superpages, go to http://www.superpages.com/about/new_chg_listing.html.

7. Foursquare

FourSquare learns what it's users like and leads them to places they'll love. A presence on FourSquare is critical if you have a brick and mortar busineses. To add your business or claim your listing on FourSquare, go to http://business.foursquare.com/claim. FourSquare does a nice job of guiding you through the proces os setting up your business listing.

Make Your Listings Consistent

As you work through the process of claiming and verifying your business listings, the key is to ensure that your business information is consitent across each of them. That means your business name, business address, and business phone should be listed exactly the same on each website. For example, if your address 4325 Smith Parkway, don't spell out "Parkway" on one directory and then abbreviate it on the other. Make all listings exactly the same for best results.  While writing this blog post, we logged in on each of these sites and create a business listing ... it took about 90 minutes.  That should give you a feel the time investment for your business in getting your local listings claimed.

About Novera Payment Solutions

Novera Payment Solutions is a leader in the credit card payments industry.

Why do we care about your business' local search engine rankings?  Because your business success is our business success. We care about the success of our clients and strive to provide information and content which can be useful in growing and promoting your business online and offline!

We are committed to helping businesses improve their bottom line by providing significant savings on credit card processing fees through our innovative and trasparent flat fee merchant account pricing models.

What is an EMV Credit Card?

In light of several recent major data breaches, you may have heard the term "EMV credit card" used in news reports. When it was created, EMV stood for Europay, MasterCard and Visa. It is a global standard for credit cards equipped with computer chips, as well as technology used to authenticate chip-card transactions. Simply put, this technology better protects consumers and makes it more difficult for people to counterfeit cards and commit fraudulent activities.

According to EMV Connection, today EMVCo manages, maintains and enhances the EMV specifications. EMVCo is jointly owned by American Express, Discover, JCB, MasterCard, UnionPay, and Visa, and includes other organizations from the payments industry participating as technical and business associates. Information on the specifications and organization is available at http://www.emvco.com.

What Makes EMV Cards Different

When you look at your credit card, if you see a small metallic square, that's a computer chip and it is what makes the card an EMV card. The basic difference between traditional credit cards with magnetic stripes and EMV cards with computer chips is that the magnetic strip cards hold static data and the computer chipped EMV cards hold dynamic data.

If the magnetic stripe card is compromised, the data can be used over and over again because it doesn't change. This makes it easy for fraudsters to profit from stolen card holder data. For the EMV card computer chip, with each transaction, a unique transaction code is generated and cannot be used again. That means if the credit card data is stolen from a single sale or transaction, the next time it is used, the card would simply be denied because the transaction code is no longer valid. This makes it much more difficult for nefarious people to profit from stolen card holder data.

What Does this Mean to Me?

For merchants and financial institutions, the switch to EMV means adding new in-store technology and internal processing systems, as well as complying with new liability regulations. For consumers, the switch to EMV means receiving and activating new credit cards and learning new payment processes.

The fundamental difference in the way the cards are used is with the magnetic stripe the consumer swipes the card through a terminal for the data to be read. With the new EMV cards, the consumer will "dip" the card in a terminal slot and wait for it to be processed. It is a little slower than the magnetic stripe swipe, so consumers will need to get accustomed to it. Technology also exists called "contactless card reading" where the consumer taps the card against a terminal scanner to be read. However this "contactless" technology is not as prevalent in the United States as of today.

When is the EMV Shift Going to Happen?

The shift to EMV technology has already started. This first issuance of EMV cards will have both technologies, magnetic stripe and the computer chip, but will ultimately transition to the computer chip only. The deadline set by major U.S. credit card issuers MasterCard, Visa, Discover and American Express is October 1, 2015. That doesn't mean that EVERYONE is going to be transitioned by then, but what it does mean is that the fraud burden shifts on that date. Any parties not EMV-ready by October 2015 may face much higher costs in the event of a large data breach. Basically the liability will shift to whoever is the least EMV-compliant party in a fraudulent transaction.

Are You Ready for EMV?

Novera Payment Solutions will continue to publish blogs on this topic because it's important for you as a merchant to be aware of your requirements and your potential liabilities. If you have questions about EMV, please don't hesitate to contact us. Our job is make the transition as easy as possible for merchants.

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 and trasparent flat fee merchant account pricing models.

What is Slideshare?

SlideShare launched several years ago with the goal of share knowledge online. Since then, SlideShare has grown to become the world’s largest community for sharing presentations and other professional content.

How Does Your Business Benefit from Slideshare?

According to the SlideShare website:

SlideShare consists of more than 15 million uploads from individuals and organizations on topics ranging from technology and business to travel, health, and education. Share the content that matters to you with your colleagues, customers, friends and followers. SlideShares can be embedded into websites and blogs, and are easily shareable on LinkedIn, Twitter, Facebook, and other popular social media platforms. They can be viewed publicly and privately. Connect with other SlideShare users via comments, “likes,” and profile pages.

Have content, presentations, photo collections or expert knowledge on a topic?
Upload it to SlideShare and you'll reach a wide audience!

A few tips for making the most of your SlideShare marketing:

1. Use the lead capture capabilities of SlideShare (You have a couple options for this)

• If the viewer wants to download the original presentation, he/she is prompted to fill out a short contact form first.
• When the viewer is browsing the presentation, the contact form displays at an increment specified by you (on a specific slide, at the end, or via a button that's displayed throughout) 

2. Upload White Papers to Showcase Your Expertise

SlideShare is more than PowerPoint. You can also upload documents, including PDFs. Why EVERY business doesn't take advantage of this feature is beyond us. It's simply another way to publish your information and make it easy for people to share. TIP: Be sure that you include your contact information on EVERY business piece you publish, as well as a call to action!

3. Promote Your SlideShare Content Across Other Social Channels

Don't stovepipe your marketing efforts across the social channels ... be sure to share and promote across all of them. Certain segments of your audience may only be on Facebook and may have never heard of SlideShare. If you aren't promoting your SlideShare channel on your business Facebook page, you could be missing an entire group of people.

4. Post your Presentations to LinkedIn

Add your SlideShare content to your LinkedIn profile summary page. LinkedIn has really become the go to platform for business to business marketing, network building, and reputation growing. Tying your SlideShare presentations to your LinkedIn profile can only enhance your credibility in your field.

5. Write "How To" Guides for your Area of Expertise and Share them on LinkedIn

People learn visually. Any time they need to know how to do something these days they Google it. This is a perfect combination for your business! A great "how to" guide featuring something in your service arena or area of expertise on SlideShare can be indexed by Google and findable by your prospects. This type of content is highly popular and very sharable.

6. Use audio in your slides

Did you know you can add voice-overs in PowerPoint?  If it makes sense for your content, include a voice-over in your slides. When you upload the presentation to SlideShare, the voice-over stays with the presentation and can be listened to by anyone viewing it. Talk about powerful!

7. Embed Your SlideShare Presentations on your Website

When you upload a presentation to SlideShare, they offer you a nice little "widget" that you can send to your webmaster to add to your website. This literally embeds the presentation right on your website. Visitors don't have to leave your website to view the presentation. If you've added a lead generation form to the presentation in SlideShare, this carries over to the embedded presentation too.

Shhh ... it's a secret!

SlideShare is "best kept secret" of professional marketers ...but it's actually free for any business who wants to use it!  Of course, there is a paid option available that unlocks additional features. We encourage you to check it out and use this powerful tool in your content marketing plan for your business! Visit their website at http://www.slideshare.net

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!

Novera Payment Solutions and WorldPay offer businesses the most reliable and affordable payment processing services in the industry.

Who is Novera Payment Solutions?

Novera Payment Solutions, LLC  is based in Atlanta and is a registered Member Service Provider (MSP) of WorldPay. Novera is also a registered Independent Sales Organization (ISO) with Visa & MasterCard.  We represents an innovative approach to doing business in an industry where integrity and a positive customer experience is absent at many levels.

What does this mean to you?

Our payment processing services are designed to bridge the gap between the  brand and buying power of WorldPay, combining that with the sales and service experience of your smaller home town business.

Who is WorldPay?

WorldPay is one of the most reliable and affordable credit card processors in the industry. WorldPay offers fast, reliable payment processing for the full range of card types, including credit, debit, prepaid, loyalty, and payroll. WorldPay provides access - and advocacy on its customers' behalf - to the credit card associations including Visa®, MasterCard®, Discover®, American Express® and all of the major PIN-secured debit networks. Its customers are also on the forefront of new payment acceptance, including RevolutionCard®, the nation's first PIN-secured credit card.

WorldPay acquires transactions coast to coast and around the globe ranging from brand name companies you already know to independent businesses in your own community. Point of sale authorization through settlement of funds, WorldPay provides the highest standard of payment processing to businesses ...businesses just like yours. WorldPay also offers seamless support and integration with industry-leading point-of-sale platforms and middleware providers, and it works with POS providers to certify new systems to their network on a ongoing basis.

What Makes Us Different?

Our flat fee pricing for payment processing saves merchants thousands and tens of thousands per year over other merchant account providers. If you are looking for a credit card processing program that can deliver maximum savings for your business (or for your  merchants) we can provide the guidance and know how to help you accomplish your objectives, save money on fees, and be as competitive as you want to.

Novera has a unique pricing format that passes along all the direct transactional costs; a) interchange, b) the processor fees (including mark-up) and features a c) TRANSPARENT FLAT FIXED FEE per month depending upon the monthly merchant volume.  

This flat fee merchant account pricing format delivers:

• Substantial savings based upon volume
• Transparency in pricing
• Detailed reporting on statement
• One of the best “cost plus formats” available

Contact Novera Payment Solutions today!  We'll do a free, no obligation cost/savings analysis with your current merchant processor and let you know how much money Novera's flat fee merchant account can save you annually.

There's no doubt that Twitter is one of the largest and most influential social media platforms.  Business owners know they they need to be on Twitter, but too many of them create an account, start tweeting, and then crickets ... no one is hearing them, following them or interacting with them.

If this sounds like you, don't despair! 

Here seven tips to help you gain more followers on Twitter.
 

About Novera Payment Solutions