Small Business Tutorial
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1 Small Business Tutorial
2 Master Your Card is a community empowerment program from MasterCard that helps consumers, small businesses and governments learn how to get more from their money by using prepaid, debit and credit cards to access a financially empowering electronic payment network. Simply put, cards are better than cash. 2
3 Get more from your money 3
4 Get more from your money Cards are better than cash Grow your market Find a processor Get the best deal Resources for success 4
5 Cards are better than cash 5
6 Cards are better than cash Compete with large retailers and service providers Focus on your customers, not their check or credit Find new revenue through greater market access 6
7 Cards are better than cash Improve cash flow with faster settlements Get better security, financial management and accounting Let technology move your business forward 7
8 Cards are better than checks and cash Grow your market How prepaid cards work Benefits to government Gains for beneficiaries How we can help 8
9 Grow your market Americans are moving from cash and checks to cards Convenience Control Security 9
10 Grow your market Consumers spend more when using payment cards Studies show consumers spending up to 16% more They are more likely to spend for wants and needs 10
11 Grow your market Accepting cards helps small businesses compete Legitimizes and credentials your business for consumers You can offer small business quality and attention with big box convenience 11
12 Grow your market Transactions and customer relationships are secure No worries about the customer s credit-worthiness No bounced checks or fumbling for change 12
13 Grow your market Payment cards help with cash flow Payments typically reach your account in 24 to 72 hours Never wait for checks to clear or worry about transporting cash to your bank 13
14 Grow your market Gain powerful accounting and management tools Detailed and timely record keeping and reconciliations Less energy, effort and worry than processing checks and depositing cash 14
15 Grow your market Get more security and a trusting work environment Reduce the risk of cash register theft, counterfeit currency and carrying money back and forth to the bank 15
16 Cards are better than checks and cash Find the right processor How prepaid cards work Benefits to government Gains for beneficiaries How we can help 16
17 Find the right processor If you know your apples and oranges, you won t get a lemon Processors provide access to electronic payment networks to businesses through merchant accounts Know your options and who s who in card payment processing 17
18 Who s who in card payment processing: Find the right processor Electronic Payment Networks Acquiring Banks Third Party Processors Independent Sales Organizations Internet Payment Service Providers 18
19 Electronic Payment Network (EPN) Find the right processor Proprietary networks, built and maintained by technology companies like MasterCard Provide instantaneous and secure connections between consumers credit cards and the businesses from which they purchase goods or services 19
20 Acquiring Bank Find the right processor Brand names you and consumers recognize, including local banks Some have in-house payment processing and others may outsource to third-party processors Existing services and broad banking relationship can be valuable to small businesses 20
21 Third Party Processor (TPP) Find the right processor Focus primarily on larger merchants Directly provide a full range of services to merchants Function exclusively in a businessto-business environment between businesses and acquiring banks 21
22 Independent Sales Organization (ISO) Find the right processor Specialize in soliciting smaller business accounts, then contract with TPPs and acquiring banks to provide actual processing services Costs may be higher because they have to pay a transaction fee to acquiring bank or TTP 22
23 Internet Payment Service Provider (IPSP) Find the right processor Solicit and service e-biz for TPPs and acquiring banks Specialize in small to medium internet- based businesses Costs are higher due to specialized services, TPP fees and acquiring bank fees 23
24 Get the best deal 24
25 Understand Your Options Get the best deal Differences in the card products create differences in how much you pay per transaction Variety of payment processors with different business models, risks and overhead may result in different pricing and other terms 25
26 What is your expertise and specialization? Ask them these questions Goods or services? Online or on location? Does their expertise match your market niche? How many other customers like you do they service? 26
27 Ask them these questions How transparent is your billing? Is it intuitive? Are there detailed and clear breakouts? Do you have to pay extra to get the reporting you need to control costs? 27
28 Ask them these questions How do you handle data security? Poor security can cost you customers and money Is the processor certified for Payment Card Industry Data Security Standard (PCI DSS)? 28
29 Make sure you negotiate 29
30 Make sure you negotiate Rates are competitive and EVERYONE can negotiate Comparison shopping and online auction Through business groups and associations, small businesses may gain some negotiating support and leverage 30
31 Compare How services are priced Points of negotiation Get multiple bids from a variety of processors Avoid non-discloser clauses so you can compare bids Reduce extra fees many come from processors, not from networks 31
32 Points of negotiation Save money You don t have to pay extra fees Look at penalties Don t get nickeled and dimed 32
33 Consider time Points of negotiation The longer the contract, the lower the rate should be Determine payment timing Use exclusivity as leverage 33
34 Respect and working relationships Points of negotiation Look at reserves and holdbacks How do they handle chargebacks Understand your track record and face-to-face card transactions 34
35 Get more resources Download this presentation Get tips and fact sheets Watch videos 35
36 Thank you. 36
37
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