We urge you to consider purchasing a Data Breach Plan. The premiums are lower than what you spent for lunch yesterday. The protection could save your business from ruin.

It seems like we are asked questions about Venmo almost daily as the app continues to expand their role in financial transactions between individual parties. Read more here: chosenpayments.com/venmo-everythi…

There is no doubt that Venmo has become a popular way of moving money from one bank account to another.

“The annual increase in motor travelers on the road during holidays mean bigger paydays for card-skimming financial criminals who target victims at fueling stations,” according to a statement issued by the Secret Service.

Having a return policy printed on cash register receipts, counter signs, your website and even on the walls of your store can help you beat a chargeback.

Having a stated refund policy can really help you win a chargeback. Many times people who don’t like the gift that was given to them return it for a cash refund. If you allow that without question then there would be no issue for you.

Don’t get caught losing a chargeback simply because you didn’t have a written policy for handling returns.

Payment Button - If you don’t need a full eCommerce store, you can add a simply button such as “Pay Here” or “Click to Pay”. The coding snippet is easy to add to your website and you shouldn’t need a web developer to do it.

Today, we will share some of the reasons why we ask for your Social Security number and the differences between personal and business credit. Read more here: chosenpayments.com/comparing-busi…

Text to Pay - Let’s say you own a transmission repair shop. You’re all too familiar with the end of the day rush when everyone wants to pick-up their vehicles at the end of their workday but they still need to pay you.

CONSUMERS WANT REWARDS - Great customer experience provides great long-term benefits for both customers and merchants. Consumers nowadays expect you to care more about them and they want more and more rewards.

A “downgraded” transaction actually costs you more money to process than it should have. Downgrades are completely avoidable if you know how to catch them.

One of the easiest downgrades to avoid is the Address Verification System (AVS) downgrade. Here’s what it is and how to avoid inflating your transaction costs.

Safety First - Fraud isn’t the only risk from a phone order. Never accept a credit card from someone when you know they are driving a vehicle. Ask them to call you back when they are no longer driving. .

This is standard for all merchant service providers to make absolutely certain that the money that is transferred from your Merchant Account into your Checking Account goes into the right account.

All good things must come to an end. Paper maps, dot-matrix printers, floppy disks, answering machines and VCR’s have all slid into obsolescence. Read more here: chosenpayments.com/farewell-to-th…

Merchant accounts are contracts between a merchant and a credit card processing company like Chosen Payments or a bank.

One thing’s for sure – you can’t protect what you don’t know about. Before taking all the measures to protect your data, is essential to be aware of the type of data that you are protecting, where you are storing it, who has access to it and how do you use it.

Secure sensitive data - Sensitive information is what hackers seek to exploit. Sensitive data includes personally identifiable information (PII) for employees and customers, financial data, business trade secrets and other confidential information.

Never underestimate the threat - Small and medium businesses often believe that only larger companies are targeted, and they underestimate the threat. In reality, cyber threat is huge for small and medium businesses.