How To Accept Credit Cards At Your Business

Those who are still learning the ropes of running a small or home-based business may be unsure about how to accept credit cards for their goods and services. Perhaps you have sold handmade items by mail order up to this point, receiving a check in the mail as payment. Or you might run a small shop where customers come in to shop and pay by check or cash. If you are wondering how to accept credit cards, here are a few basic guidelines.

1. Apply for a merchant account to find out how to accept credit cards at your business. You can get one through many banks and other financial institutions in your area. Visit websites such of as many credit card merchants as possible. Also visit websites of several banks to see if they offer merchant accounts. Click on the link to find out what the requirements are and whether you are eligible. If you don’t see specific information for this type of account, email the contact person and ask for information about how to obtain a merchant account so you may start accepting credit card payments.

2. Demonstrate your fiscal responsibility. Submit copies of documents that prove you are a good credit risk and ready to manage the next step of upgrading your business by learning how to accept credit cards. You may want to get a copy of your company’s credit history, the last three or four company bank statements, and the usual business documents that show your company to be in good standing. Keep in mind that many underwriters do not want to work with companies that are involved with pornography, drug sales, spam, or other types of questionable enterprises.

3. Companies involved with charge backs may experience a fee adjustment. Give some thought to the types of expenses you will incur when you learn how to accept credit cards. For example, there may be set-up fees, monthly statement fees, gateway fees, and others. You also may want to ask about wireless credit card processing if you have employees that work at various destinations or whose jobs are somewhat mobile as they collect payments.

4. In learning how to accept credit cards, realize that you may be bombarded with offers from companies who want your business. They may offer terrific-sounding deals that will collapse when it comes time to sign the contract. Or you may agree on terms and then realize that the terms later change to your disadvantage. Make sure you understand the contract’s fine print before signing. Avoid purchasing unnecessary features that will add to your cost but not necessarily to your profit.

5. When you learn how to accept credit cards, you will want to be sure that your company’s Website stays up to date and remains functional so that customers can use it at any time. You may have to hire a service technician to oversee Website content and to address any glitches from the company side or the client’s side when problems are reported.

Moving your business into the e-commerce era is challenging and exciting. Take time to become familiar with the various ways in which customers can make electronic payments so that both you and they can avoid errors and experience the convenience of learning how to accept credit cards.

5 Pillars To A Successful Home Business.

– Hustle:

Generally, people who make it big have one thing in common–they are dissatisfied with the status quo. They will not take what is “common” or “expected” and let that define their lives–they move past it and excel. You must work hard and hustle.

– Character:

Someone coined the phrase, “character is what you do in the dark.” In other words, when no one is looking, will you behave differently than if someone was looking? If not, then you have character. If you are attacked, be tough–not hard. Don’t be a pushover, but be compassionate, gentle, and flexible–especially on procedure (not principle).

– Risk Taking:

This isn’t gambling, it’s a willingness to be bold, hearty, and to push forward. People who refuse to take risks are definitely going to lose. If you refuse a new promotion because you’re not confident of your skills, you will likely be passed over when a different chance arrives.

Don’t be afraid of rejection, just take it as part of life and you’ll find there’s nothing to be afraid of–especially in the word “no.” “No” is just another opportunity to find a way around an obstacle and to use creative problem-solving skills.

– Time Management:

We all know that one minute has 60 seconds and that one hour has 60 minutes. One day has 24 hours, and one year has 365 days. But one year also has 525,600 minutes. We don’t think about a year in such small increments, but maybe we should.

We waste minutes as if they’ll always be around, and the fact is that time wasted is time we can never get back. We might miss a deal or promotion of a lifetime by wasting just a few minutes.

Proper time management is essential as you climb to success. Continue to break goals down in to manageable chunks–do that with relation to your day and the time you’ve been given. You’ll accomplish far more this way and you won’t regret using your time wisely.

– Master Non-Verbal Communication:

It is said that our body language and facial expressions do much more communicating than our words will ever do. When the words that you speak don’t match the expressions on your face or the stance of your body, you confuse the listener and muddle your message.

Be aware that when you try to “multi-task,” you often end up short-changing something, and the last thing you want is to short-change people. Don’t try to do too much at once–your willingness to do this tells people they aren’t important, even if you’re expressing your appreciation of their work and effort.

Be aware of what message your body is sending off!

How To Cope With Your Home Business And Your Daily Tasks

If you’re hearing the song that Bachman-Turner-Overdrive made famous in the 60s, that’s exactly what I want! I’m not talking about “business” in a strictly financial sense, but “business” with the idea that whatever you’re shooting for success-wise, you complete your tasks.

Once you have a course plotted for success, there are going to be a million things that will vie for your attention and time. It’s not that these things haven’t been there before now, and it’s not even that the world is plotting against you succeeding. It’s just that now you have a focus and you’ll begin to notice things that seem like they shouldn’t be on your radar screen.

It doesn’t mean that you don’t do the little pesky things that are buzzing and want to be taken care of (especially if it relates to your job), just that you must not let those things pull you off-track.

So how do you stay on-task? The best way I’ve found, bar none, is to keep a log of tasks that must be accomplished as you move towards your goal. Remember to break the big tasks in to a series of small ones and to give yourself a reward-system as you do it. I use check-marks; others use stickers (sounds silly, but if it works for you, who cares?), still others use tangible rewards as they accomplish “x” number of small or large tasks.

Whatever motivates you is your key–keep it simple and keep it attainable. If the carrot is too far out in front of the horse, the horse will give up. If it’s just close enough to smell and see but just out of reach, that horse will keep moving towards the incentive.

Let’s say your goal is to lose 60 pounds. That’s quite a chunk of weight and can take a long time to accomplish. Let’s also say that you need a new wardrobe. Should you wait until all the weight is gone to buy those new clothes? Probably not–your current closet full of clothes will look awfully loose and ill-fitting if you do.

But let’s talk about small, incremental rewards that help move you towards your goal. If you lose 10 pounds, your current clothes won’t look baggy on you, but you will notice a difference in your waistband that might bother you. Don’t chuck the pants or go buy a new pair–take the current ones to a seamstress or tailor to be taken in.

It’s a small reward and saves you the money of buying new pants that you will continue to shrink out of. It also keeps you motivated. For the next 5 or 10 pounds, think about some new cosmetics or a new hairstyle–small things that will make you feel better, inside and out.

Takin’ care of business and staying on task. Now that’s the way to chart yourself to success!

Keeping focused in Online Business is Key!

Whenever you are starting a new business online one of the toughest things to do is to focus all of your attention on that one business. Alot of people find themselves jumping from business to business because the results don’t come quick enough. Actually the truth in what you are doing is really just jumping from idea to idea. You truly aren’t actually running a business but just filling your time and distracting yourself from being successful. Creating and making a business successful takes 1. Time. 2. Effort. 3. And finally it requires you not to dump it and stop working on it just because a month after launch you have not made as many sales as you would have liked to.

Some people and even I are guilty of this. We will take an idea, develop it for 3 months or so and then put it online thinking it will be an instant success. When it doesn’t take off right away we dump it and jump onto our next great idea. Usually before doing any effective marketing or promotions to get people to our website. Now if they don’t know you are there, then how will they ever come to your site. It is like a new video store opening up down the street. If you never walk in that direction you will never know that it is there and you will never gone in to it, right? Though if that video store had sent you a flyer then you probably would have checked it out. You likely would have also rented a movie or two.

Alot of people like to build and develop an idea and then drop it after 3 months, then they do it all over again. Just think how successful you would be if you worked on your first idea for 12 months instead of spreading yourself out and working on 4 ideas in that time span. I bet you anything that you would be successful today!

You have to organize your thoughts and your goals so that you can see what you want to achieve with your business. Then build a realistic timeline for this so that you don’t give up so quickly. Give it the time that it needs to grow. Another important factor is to stay focused at the business at hand. Even if you come up with what seems to be the next “great thing”, write it down and put it away. You have to stay focused and put all of your time as well as your effort towards your business.

The Queensland Employee Relations Context for Small Business

For many Australians, both employers and employees, the workplace continues to be a place of harmony where each goes to work discharges their individual responsibilities and continues to get on with life.

This is confirmed by government statistics that suggest that 1,000 people per week are migrating to Queensland, Australia to live. The attraction is lifestyle; affordable property and housing, progressive government development and support for new business initiatives and low unemployment.

In addition there are a large proportion of immigrants coming to our shores from the United Kingdom, South Africa and New Zealand to name a few.

Sadly amongst this good news there are some concerns amongst employees. Over the last 10 years with out-placing, downsizing, outsourcing, redundancies, and other interesting forms of industrial justification for off-loading employees, the workplace has been experienced as difficult and for some ‘a house of pain’.

However, the industrial relations environment in Queensland and Australia continues to evolve in response to business concerns, community expectations and continuing pressure on the government to ensure that unemployment is kept low with the additional concern of the Commonwealth Government on the continuing drain on the welfare system.

There continues to be some pessimism by employers about the economy and a lack of trust which has seen a delay in employing more full-time workers especially in the small to medium enterprise sector. This has lead to an increase in casual and contract employment. However, Queensland has made some large inroads into creating an environment conducive to small business growth.

Because of the reducing birth rate in Australia it is estimated that by 2010 the percentage of employees aged between 45 and 60 years of age will be 65%. Many industries are not presently equipped to cope with this radical change in age demographics and it is now time for industry and government to work together preparing the way ahead.

Recent studies have belied the myth in respect to older workers and concluded that mature workers are productive, however, there still continues to be muddied perceptions about age related workers (Productivity of Mature and Older Workers: Employers’ Attitudes and Experience – ACIRRT 1996).

Grey power will increasingly become more important as enterprises endeavour to stay ahead of the pack and retain mature aged workers who have skills, experience and competencies to contribute to industry and business.

The industrial relations arena continues to be highly regulated and subject to many acts. These include,

* Common Law * Australian & State Industrial Relations Acts & Regulations * Workplace Relations Act 1996 – Federal * Workplace Health & Safety Acts * Anti-Discrimination Act 1991 * Human Rights and Equal Opportunity Commission Act 1986 * Trade Practices Act 1974 – section 53B * Income Tax Assessment Act 1936 & other Tax Legislation

A move towards

* Awards – State & Federal * Enterprise Bargaining Agreements * Australian Workplace Agreements * Increased workplace mediation before legal action

We are making progress in employer / employee relationship there are many enterprises and employees who continue their day to day businesses without having experienced these concerns.

Employers can take measures that increase their understanding and educate employees to understand their rights and responsibilities and thereby protect themselves for various workplace issues.