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In 1730, the first advertisement for credit was placed allowing furniture to be purchased over time. Almost 200 years later, Western Union issued a metal plate to their employees instead of a paycheck. Of course this card was only good in company owned stores. It was not until the 1950s that Bank of America issued the first revolving credit card.

Technology in the payment card industry has grown tremendously in just the last 5 years. Merchants are able to accept payment using any java enabled cell phone, and can even turn their laptop into a credit card terminal. But the best is yet to come.

Continue reading "Technology Trends and Card Processing"

When starting a business, most business owners hope to quickly grow. After all, more customers mean more revenue. But if you aren’t prepared, expanding could put your business at risk. Obviously, having enough inventory, staff and equipment is critical to expanding operations. One area that many merchants overlook is processing credit card transactions. Continue reading "Scalability: Building Your Business for Transactional Growth"

Some lists you want to be on-like the VIP list. But the TMF is one list you don’t want to be on. We’ll talk about what this means for your business, how to avoid getting on the TMF list and what to do if you end up on it. Continue reading "TMF MATCH List or Terminated Merchant File (TMF) List"

We’re here to help marketing and finance executives solve the biggest problems in your commerce model, and understand best practices associated with fraud management, customer retention and attrition. TM&S can help you build online revenue with our on-demand billing solution designed for recurring and real-time transactions. Manage fraud and minimize chargebacks with the highest levels of compliance and flexibility.