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great advice for issuing refunds

Chargeback Advice – Merchant Returns

Due to the holiday season and a number of refunds being issued, please keep the following information in mind to help protect your merchants.

– If a cardholder is being issued a credit back, the merchant MUST issue the credit to the card originally used.

– If the cardholder says the card is closed, the merchant should still attempt the credit. The system will record a credit attempt was sent to the cardholder to protect them from a potential chargeback.

– If a reject occurs, a credit reversal will be issued and the credit amount will be refunded back to the merchant. They can then go back to the cardholder for an alternate card of the same card type (i.e. if original card was a Visa-use another Visa…Master Card- use another Master Card and so on.)

– If they do not have another card to use of the same type, the merchant should get them to sign off on a form that they are accepting a check refund in place of a credit card refund. The cardholder should sign the form prior to the merchant issuing the check.

– If the cardholder is not able to collect their refund in person, the merchant will need to fax or mail the form. Upon receiving the signed form back, the merchant should then issue the check via signature required mail. Without a signature proof, the cardholder can still issue a chargeback for “refund not issued”.
– Under no circumstances is a cash refund to be issued regardless of what type of card is used.


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

Bill Hoidas of Matrix wins Best of Barrington award

Press Release

FOR IMMEDIATE RELEASE

Matrix Payment Systems Receives 2008 Best of Barrington Award

U.S. Local Business Association’s Award Plaque Honors the Achievement

WASHINGTON D.C., December 14, 2008 — Matrix Payment Systems has been selected for the 2008 Best of Barrington Award in the Credit Card & Other Credit Plans category by the U.S. Local Business Association (USLBA).

The USLBA “Best of Local Business” Award Program recognizes outstanding local businesses throughout the country. Each year, the USLBA identifies companies that they believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and community.

Various sources of information were gathered and analyzed to choose the winners in each category. The 2008 USLBA Award Program focused on quality, not quantity. Winners are determined based on the information gathered both internally by the USLBA and data provided by third parties.

About U.S. Local Business Association (USLBA)

U.S. Local Business Association (USLBA) is a Washington D.C. based organization funded by local businesses operating in towns, large and small, across America. The purpose of USLBA is to promote local business through public relations, marketing and advertising.

The USLBA was established to recognize the best of local businesses in their community. Our organization works exclusively with local business owners, trade groups, professional associations, chambers of commerce and other business advertising and marketing groups. Our mission is to be an advocate for small and medium size businesses and business entrepreneurs across America.

SOURCE: U.S. Local Business Association

CONTACT:
U.S. Local Business Association
Email: PublicRelations@USLBA.net
URL: http://www.USLBA.net


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

12 people you need to fire!

Article printed from SiteProNews: http://www.sitepronews.com

HTML version available at: http://www.sitepronews.com/archives.html

The Campaign Killers: 12 People You Need To Fire
By Jerry Bader (c) 2008

Sometimes it seems like the hardest thing to do in business is
to get things done: so little time, so many obstacles. And when

it comes to marketing it gets even worse, after all there are
all those administrative details that need to be dealt with,
emails, inquiries, suppliers, and on and on. Finding the time to
devote to creating a sustained, focused marketing effort seems

like it’s near impossible. But the biggest obstacles of all are
some of your trusted colleagues and advisors; you know the ones
I’m talking about, the ones that are a royal pain-in-the-ass.
So lets just call them on the proverbial carpet and fire their

butts; but first let’s check the files and find out who they
are.

File One: Mr. Inertia
Everybody knows this guy. He’s the one who hasn’t had a new
idea in five years. This is the fellow who thinks everything is

just fine the way it is, so let’s not rock-the-boat, everything
is just hunky-dory, thank you very much.

You have to treat your business like it’s a shark: no standing
still, if you don’t keep moving forward, you won’t survive.

It’s a competitive world out there, and in the Web-centric
marketing environment, you’re not only competing with the shop
down the street, you’re competing with the whole world, so
standing still is not an option. Mr. Inertia, you’re fired!

File Two: Mr. Know-It-All
I love this guy, he knows everything, he’s done everything, and
if you ask him he’ll tell you he invented it. It doesn’t
matter what it is or even if it relates to your business, he’s

done it all and seen it all, or so he says. This is Mr.
Know-It-All; he stopped learning, stopped improving, and stopped
listening years ago.

Despite all his self-proclaimed knowledge and insight, this guy

hasn’t contributed anything meaningful to the marketing effort
since a Blackberry was something you ate. Mr. Know-It-All,
you’re fired!

File Three: Mr. My-Business-Is-Unique
We all like to feel that we have created something unique,

something different, something that no one else does. The fact
is business is business; it’s very dangerous to think that your
company is so unusual that it’s irreplaceable, so different
that you don’t need to market, so special that branding isn’t

required, and so singular that positioning is a waste of time.

Don’t be fooled, finding your ‘mark of differentiation’ is
just as much an exercise in marketing as it is an exercise in
product development. Mr. My-Business-Is-Unique, you’re fired!

File Four: Mr. We-Always-Do-It-This-Way
At one point in my career I ran a company that manufactured
photo albums. We had a large competitor who always undercut our
price no matter what we sold our product for. In an effort to

find out how they were gaining this advantage, we cut open one
of their new albums and found that they were using cheap
corrugated cardboard as a stiffener instead of the more
expensive traditional 80-point board everybody in the industry

used.

Our sales manager made an appointment with a major photo chain
known for only buying quality. He made a dramatic presentation
by cutting open our competition’s product illustrating the
superior nature of our product and demonstrating how they were

being duped into buying the inferior junk our competitor was
selling them. The buyer, who was also one of the owners looked
at the products on his desk, uttered an expletive-deleted and
laughed, “Yea,” he said, “but they are cheaper.”

Just because things were done the same way forever, doesn’t
mean that you can keep doing it that way. Keep innovating,
experimenting, challenging the status quo. Mr.
We-Always-Do-It-This Way, you’re fired.

File Five: Mr. Everybody-Is-Stupid (But Me)
This clown’s a real buzz-kill. In brainstorming sessions this
is the guy who shoots down every idea that comes up without
offering any alternatives. If some idea is actually adopted he

immediately begins to try and change it. You’ll usually find
him with a coffee in one hand and a donut in the other, standing
over someone who is actually trying to work, telling them to
move it a pixel to the right or add a little blue or saying

stuff like, “I think it needs a pony, ya add a pony.” This
jerk is like a dog going from hydrant to fencepost depositing
his mark without any purpose or validity other than leaving his
scent. Not only is this guy unproductive, he makes everybody

around him less productive. Mr. Everybody-Is-Stupid (But Me),
your fired!

File Six: Mr. I-Know-All-The-Customers-Worth-Knowing
Hard to believe but this guy does exist. I once called on a
potential client who told me he didn’t need a website because

he knew all the customers worth knowing, all six of them. He was
a manufacturer and he did sell to the six largest retail buyers
of his merchandise but one thing I’ve learned over the years,
you never have enough customers, and as soon as you think

you’ve got them all sewed up, watch out, because every
competitor is out to take them away from you. And as good as you
are or as good as you think you are clients will eventually be
pursued by a competitor offering something better or cheaper.

Never stop prospecting, never stop looking for new business, and
never be satisfied. Mr. I-Know-All-The-Customers-Worth-Knowing,
you’re fired.

File Seven: Mr. I-Know-All-The-Benefits
We all could be guilty of this marketing sin if we’re not

careful. Thinking you know everything that people do with your
product or service is a risky mindset and speaks to a lack of
vision. This guy goes to the appropriate conventions, listens to
all his industry’s experts and reads only stuff about his own

established market. If it’s about something else, he’s just
not interested, and he doesn’t see or understand the
relevance.

The fact is all your customers are people who have lives outside

of business; they all have problems, insecurities, hobbies, and

interests that have nothing to do with business. And they may
have a totally different point-of-view as to what you offer and
how they can use it. You must pay attention to what’s going on

in the world and how people think and react to events and

situations. The market is an emotional and psychological
minefield and you must pay attention to outside forces because
if you don’t you’re limiting your potential. Mr.

I-Know-All-The-Benefits, I’m sorry but you’re fired!

File Eight: Mr. Everything-Is-Bulls@%t
This employee is not just useless, he’s downright destructive;
no matter what marketing plan you’re considering implementing

this guy thinks it’s bull. He doesn’t believe in branding,

positioning, or any form of sophisticated marketing. He doesn’t
believe that psychology or emotion plays any part in the sales
process and is probably the master of wining and dining clients

resulting in the biggest expense account in the company but not

much else. His clients were customers before he arrived and will
probably be there after he leaves unless he pisses them off.
This guy still doesn’t see the benefit of a website and keeps

repeating, ‘it’s just an electronic brochure.’ His answer to

a dip in sales is always the same, to cut prices. Mr.
Everything-Is-Bulls@%t, you’re fired!

File Nine: Mr. I’ll-Get-Around-To-It

Nobody really knows what this guy does. He is pleasant, tells
good jokes, and he most likely is the guy who brings coffee and

cookies to the office for everybody once a week. His desk is
always piled high with papers, files, and binders, and when you

ask him for something he invariably starts to rummage through
this heap of junk ultimately telling you that he’ll bring it

along as soon as he finds it, he’s just been ‘sooo’ busy. It
takes him three days to answer an email, a week to return a

phone call, and at least two weeks to respond to a request for
a quotation. This guy just has to go. Mr. I’ll-Get-Around-To-It,

you’re fired!

File Ten: Mr. Automatic Pilot
This chap believes that the great benefit of having a Web-based

business is that he doesn’t have to work. This guy spent a
considerable sum of money having a bunch of programmers,

probably from one of those offshore sweatshops, develop a
website system that automatically answers emails, fills orders,

and processes inquiries. The only problem is that it doesn’t
matter if a customer has a question or complaint they all get

the same email-response that says they can order even more stuff
they can’t figure out how to use. Mr. Automatic Pilot, you’re

fired!

File Eleven: Mr. I-Don’t-Need-No-Stinking-Creativity
This guy doesn’t believe in any kind of creativity, he thinks

everything is based on rational dollar-and-cents
decision-making. His website lists as many features and benefits

in 48 point red Times Roman as he can think of; he highlights
each point in yellow and underlines them in green with a big

purple checkmark beside each one. He adds several royalty-free
photographs of fake customers with quotations he made-up while

sitting on the john. And just to enhance his special offer page,
he tacks-on a bunch of extra bonus gifts like a useless free

e-book. This guy’s idea of marketing got stuck in the fifties;
so Mr. I-Don’t-Need-No-Stinking-Creativity, you’re fired.

File Twelve: Mr. Get-Me-the-Coast
You run across these types every now and again. I once went to a

meeting with this guy who was the Vice President of Whatever
Mega Corporation. At first glance, he was very impressive,

handsome and tall with a big office and lots of hair, and a
voice made for AM radio. He talked faster than anyone I ever

met. As we made our presentation, he slammed his hand down on
the intercom and bellowed to his secretary to “Get me Johnny on

the coast!” Before I knew what hit me, he’s talking to his guy
in California who’s on his way to his dry cleaner to pick up

his laundry. He asked him a couple of questions as fast as I
ever heard without much reference to anything we were discussing

and slammed down the phone with a thud. I had no idea what we
were talking about or if this guy heard a single word we said.

This guy was the master of taking meetings and impressing
people, but with what I am still not sure. Mr. Get-Me-the-Coast,

your fired!

A Final Thought

The single most important thing about managing good staff or

contractors is that they will only be as good as you let them.
So now that you’ve laid-waste to a staff of deadweight, what’s

next? You need to hire or outsource the right people; people who
are creative, innovative, and talented; people who are

interested in getting things done, whether it’s filing or
creating your next marketing campaign.

================================================================
Jerry Bader is Senior Partner at MRPwebmedia, a website design

firm that specializes in Web-audio and Web-video. Visit
http://www.mrpwebmedia.com/ads, http://www.136words.com, and

http://www.sonicpersonality.com. Contact at info@mrpwebmedia.com

or telephone (905) 764-1246.
================================================================

Copyright � 2008 Jayde Online, Inc. All Rights Reserved.

SiteProNews is a registered service mark of Jayde Online, Inc.


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

There is money available if bank credit line is unavailable to you because of our mortgage banking excesses

Hi,

Lately I have been doing advance funding using credit card future sales. I have now found three sources that I feel comfortable with and feel are the best. Each one has it’s own specialty that I can match my clients up with. While you often can qualify for more money as a rule of thumb figure that you can receive an advance equal to your average one month volume of MC/Visa sales. In other words if you do about $25,000 monthly MC/Visa you can receive in a few days funding of $25,000.00.

I want all of my merchants to use utmost caution when borrowing money. Make sure you have exhausted your conventional sources first because the rates are higher for cc advance funding. The rates will vary according to your credit. However it can make sense for the right situation. I just had a merchant use the funding to buy almost new equipment for a fraction of what it is worth. He will be able to turn a nice profit on his purchase. In this situation it makes sense.

For more info go to

http://paymentconsulting.net/2006/09/advance-funding-for-credit-card-sales.html

http://paymentconsulting.net/2008/03/accelerating-cash-advance.html

http://paymentconsulting.net/2008/02/there-is-money-available-if-your-bank.html


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

There is money available if bank credit line is unavailable to you because of our mortgage banking excesses

Hi,

Lately I have been doing advance funding using credit card future sales. I have now found three sources that I feel comfortable with and feel are the best. Each one has it’s own specialty that I can match my clients up with. While you often can qualify for more money as a rule of thumb figure that you can receive an advance equal to your average one month volume of MC/Visa sales. In other words if you do about $25,000 monthly MC/Visa you can receive in a few days funding of $25,000.00.

I want all of my merchants to use utmost caution when borrowing money. Make sure you have exhausted your conventional sources first because the rates are higher for cc advance funding. The rates will vary according to your credit. However it can make sense for the right situation. I just had a merchant use the funding to buy almost new equipment for a fraction of what it is worth. He will be able to turn a nice profit on his purchase. In this situation it makes sense.

For more info go to
http://paymentconsulting.net/2006/09/advance-funding-for-credit-card-sales.html

http://paymentconsulting.net/2008/03/accelerating-cash-advance.html

http://paymentconsulting.net/2008/02/there-is-money-available-if-your-bank.html

Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

free 411 info without "commercials"

Hi,

If you’re like me you want to save on those high 411 fees usually $1.25 to $1.75 per call. However up till now the free services are worse than annoying making you suffer through long paid commercial messages before getting you your #. Google has introduced a free no nonsense service. It’s 800-466-4411.

Bill

Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

computer tune up & security

Hi,

Make sure you install & run the below on all your servers.

To keep your computer running great just do the below. They are all excellent and all free!

To keep your cookies & caches clear go to
http://ccleaner.com/
and run at the end of every day

best ad blocker http://www.download.com/Ad-Aware-2008/3000-8022_4-10045910.html?cdlPid=10844457 run this at least a few days per week

go to http://www.eusing.com/Download.htm scroll down to Eusing Free Registry Cleaner
run this at least once every week.

Cheers!

Bill

prices for wireless terminals are now more affordable

Hi,

In the past I have always recommended and continue to recommend the Way Systems terminal. It is by far the most trouble free unit while also remaining the most economical of the terminals that are fully PCI compliant. There are a few cell phone morphodites out there but any semi talented hacker can break in and steal cc info from the cell phone cheapos. Other wireless terminals use one network. Way uses over 20 networks seeking the strongest one in your location each time.

I am now able to offer these terminals at the below prices.
MITT 1556 with printer
$525.00 delivered

MITT 1581 with PIN debit & printer
$595.00 delivered.

To read more go to http://www.waysystems.com/index.html and after reading make sure to click on “see how it works” on the left side of the home page.

As always contact me via the below email/fax or phone.


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/profile/44659273/barrington_il/matrix_payment_systems.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

you do NOT need a new terminal or POS system to remain PCI/FACTA compliant

Hi,

Many ISO’s, acquirers banks and processors are using the latest PCI/DSS/FACTA compliance standards for the credit card industry to scare merchants into purchasing new credit card terminals, POS systems, gateways, etc. They are mailing and/or calling them telling them that they must purchase new equipment because their current equipment is out of compliance.The fact is that 99%+ of the equipment and POS systems and probably 100% of the internet gateways, virtual terminals and shopping carts are compliant. In case you do have an issue with the card truncation or expiration date appearing on customer receipt this can easily be fixed on the file at the hosting platform which also can be set to minimize or entirely eliminate the infamous “downgrades” that MC/Visa card issuing banks and unscrupulous processors use to charge merchants a higher rate for their card acceptance. Also while I’m on the subject you should also be aware that entering the CVV code has nothing to do with the rate that a merchant pays to process credit cards. It is entered to help protect the merchant especially MOTO merchants against fraud. One big weakness in the payment processing industry is that the majority of customer service and tech support staff are undertrained and inexperienced so when they do attempt to give advice in these matters more often than not they give the wrong advice. As far as longevity of your equipment remember that most equipment is setup to last for years for high transaction merchants such as restaurants.So if you receive notice that you have obsolete equipment be aware that someone is just trying to steal your money.

For an honest assessment of your present cc order system contact:

Bill Hoidas
Payment Consultant Manager
Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/profile/44659273/barrington_il/matrix_payment_systems.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have
everlasting life.