What sort of banking Business Cards does your business need? There is now a wide choice of business cards including a whole range of business cards in a wide choice of materials, fonts and even video. In addition the use and acceptance of business credit cards and business debit cards is vital for any business.
One of the basics of small business banking is to set-up a business bank account. This fundamental business function is often lost with new and part-time business co-mingling funds. Using a personal bank account for small business banking is common among part-time business like multi-level marketing and self-employed sole-proprietors such as realtors and consultants.
Venturing out into the world of entrepreneurship is risky. Many new business owners reduce the risk by starting a business part-time while retaining a full-time income. This can be a great approach to starting a company, but run the business as a business.
Frequently, business owners try to process business transactions through their personal bank accounts in an effort to reduce expenses and bank fees. Unwittingly, they are creating more potential problems for the business in the future.
It is important to be well educated about business credit cards before applying for credit or making any other major financial decision. A business credit card can be issued to a small business owner in the business's name. The credit card can allow a small business owner to get loans, make payments and build credit history without putting their personal credit on the line.
Another benefit of the credit card is that, should the small business fail, the business owner's personal credit history would not be affected. Applying for a business credit card can be a complicated process that does involve some risk, but business owners can avoid those problems and get the business credit card by being careful and thorough as they apply.
A debit card (also known as a bank card or check card) is a card that provides the cardholder electronic access to the business bank accounts at any financial institution. Some cards have a stored value with which a payment is made, while most relay a message to the cardholder's bank to withdraw funds from a designated account in favor of the payee's designated bank account.
The card can be used as an alternative payment method to cash when making purchases. In some cases, the cards are designed exclusively for use on the Internet, and so there is no physical card.
Accepting cards from your customers offers the following benefits:
- Widespread card acceptance – you will be able to accept payments from all major credit, debit and charge cards
- Prompt payment – you receive payment typically within 4 days of the card transaction
- Electronic processing - funds are directed straight to your company's account reducing the need for bank visits
- Make buying from your business easier by offering your customers the ability to pay by card.
How To Accept Credit Cards Online
Anyone with an online business, whether for auctions, services, or virtually any type of product, has asked the same question at some time during their quest to create the ultimate online business - "How do I accept credit cards?"
Since over 90% of all transactions on the Internet involve customers paying by credit card, accepting plastic money rates a must for almost any business.
The problem for most small online business owners involves the high cost of setting up and maintaining a credit card merchant account.
With startup fees ranging from $200 to $500, minimum monthly fees of at least $40 to $50, plus per transaction fees and a percentage of sales, most people who want to supplement their income online or test an idea can't risk that kind of money.
Add in credit checks, 48-month service contracts, expensive equipment purchases or leasing, financial statements, and last 3 years' tax returns and most people throw up their hands and give up before they even get started.
Fortunately several companies responded to this problem with unique solutions that enable smaller online merchants to accept credit cards at a fraction of those high startup costs with no long-term commitment, no equipment purchases, and zero minimum monthly fees.
PayPal has gotten some negative press over the last couple of years, but that press has been mostly undeserved.
PayPal makes it easy for you to collect money for your online sales, send money to merchants, bill people monthly, collect dues and donations and integrate a free shopping cart into your site.
Of all the payment and money transfer services online, PayPal ranks as the absolute lowest in cost and the easiest to set up.
PayPal allows merchants to sell physical and downloadable products along with personal services.
For a $50 one-time fee ClickBank enables online ebook, software and other electronic information sellers to not only accept credit cards, but provide instant delivery of their products to online purchasers.
ClickBank allows any merchant to accept virtually every major credit card on the planet.
The online merchant simply adds a purchase link to their site, the customer clicks the link, fills in their payment information and the credit card gets authorized on the spot.
Once the card gets approved ClickBank redirects the buyer to a page that enables them to download the ebook, software, or other product they have just purchased.
ClickBank also operates a fully integrated affiliate program that automatically pays affiliates who sell your products for you.
ClickBank heavily restricts what merchants may sell through the service and does not allow the sale of physical goods.
Of the three, Paysystems behaves most like a traditional credit card merchant account.
The service allows the merchant to integrate with a number of third-party shopping carts as well as use the PaySystems shopping cart system.
Merchants pay a small transaction fee and a percentage of the sale, but don't sign up for any long-term service contracts or equipment leases.
Your business card is a card bearing business information about you and your company. They are shared during formal introductions as a convenience and a memory aid. Your business card should include your name, company affiliation (usually with a logo) and contact information such as street address, telephone number(s), e-mail address and website.
Traditionally many cards were simple black text on white stock; today a professional business card will sometimes include one or more aspects of striking visual design.
Everybody that has ever been to a meeting, can recall the all familiar "passing" of the business cards.
This powerfull marketing tool is often used matter of factly, and we have to wonder how often does the recipient of your card hold on to it, and use your business information positively? In a world where first impressions count and business is becoming more competitive, it would be foolish to go with the crowd.
You have to act different to make a impact so that you will be remembered when the rest are forgotten. Often times, traditional business cards reflects your name, position in the company and contact details...not very inspiring.
Full color business cards might be a better option, but once again,you would have needed to make some kind of impression, for the recipient of your card to give it a second glance.
Next time you need business cards printed, think carefully, not only on content, but how you plan to present this vital information.
In today’s market, no matter what the size of your business, customers expect to be able to pay by credit or debit card, not just cash. Last year 65% of all retail spend was by debit and credit cards.
Sometimes being at the right place and time can do wonders for the business. This can happen in the street or in the mall and starts by just approaching a stranger. New contacts occur everyday and with a little initiative, the person may be able to close a sale or be referred to someone who may need it.
There are many ways that a person can attract customers to oneís business. Some do this by launching a marketing campaign in the form of an ad in the paper or on a billboard. Some donít use marketing at all and just flourish through word of mouth.
On a more personal level if that person travels around, the best thing to carry and give out is a business card.
Business cards are used by people in big and small time business. It reflects who the person is. It gives people an idea of what the person is capable of doing in the event that the service one offers is needed in the future.
Such instruments are easy and light to carry along. It saves a lot of time and trouble for the other person to jot down oneís contact details.
Making a business card is easy. One can do this at home and just print it in the computer. Should the person decide to have it done by a small printing firm, the individual should be sure that the spelling and the design is correct. This will make it easy for people to get hold of the services one can do.
Business cards should always have some important details such as the name and contact number where the person can be reached and the company that one works for. If the person is self-employed, this can also work to get more customers for the business.
Since most people who get business cards simply put it in the drawer with the others, one should be imaginative in letting people recall it.
A few good examples are giving it in the form of a magnet that can be placed in the fridge. Should that person drink coffee in the office, one can have a coaster made that people will surely notice. Since computers are a necessity in the workplace, a mouse pad will also be a good idea to give away.
There is also another way of making oneself noticed by other people. That is carrying the business cards of other people and giving it to those who need it. When this happens and the person asks how the card went to that person, the individual will be remembered and oneís services will surely be called upon in the future by these two potential customers.
Businesses survive due to a regular customers and having new clients. This will bring additional revenue for the company and allows the company to flourish. By using the resources one has such as the use of business cards, this will happen.
These small hard pieces of paper are things that one can give out at anytime. Be it in a convention or some other function related to work or in parties and other social gatherings that will really help increase customer traffic. Small things do come in small packages and bringing this handy thing around can really help the person a lot.
Postcards - A Quick Way to More Sales
A few years back, people predicted the internet and e-mailing would rule the marketing world. They forgot to factor spam and e-mail filters into the mix.
After a dip in direct mailing volume, postcard marketing is once again increasing in numbers.
Why does postcard marketing work? It is direct response advertising. You can create a postcard by making an offer. You send it out. You will know immediately whether it is working if people come in and present the postcard to you.
A postcard has all the ingredients of good marketing. Itís concise and easy to read. It allows you to create incentives. It invites people to take action now.
In addition to these qualities, it is delivered every day. Itís reliable. The post office is a branch of the US government. Itís not going away anytime soon.
Postcards are fast
It can take years to establish your business brand or image. A newspaper ad may take as many as 6-10 views before it sticks in the readerís mind. Postcard marketing is the simplest form of direct mailing.
When you create a post card promotion, put a deadline on your offer. Send it out and see the response. If it doesnít work, try a different offering. You get an almost immediate response, especially if you ask the customer to use the postcard when they call or visit your business.
Postcards are low cost
Obviously, the cost of a 1st class postcard stamp is cheaper than a first class stamped envelope. But it is low cost for other reasons.
You have no envelopes to stuff.
You can do postcards yourself. You can buy postcard stock at your local office supply store. Most computers have software programs for creating the postcard format. You can do this yourself without a great deal of time and effort. Follow the basics ingredients of a good ad and youíre set to go. You have no expense with a printing company.
Postcards are versatile and flexible
Your yellow page ad can be a great ad. But you have one time a year to make changes. If you make a mistake, you pay for it the whole year. Postcards are much more flexible. If one doesnít work, you can do another.
You can use postcards for many purposes. To get a boost in sales, you can use postcards to make special offers to your customers. You can use postcards to keep in contact with your current customers so competitors donít steal them away. You can use postcards as a lead generator for new prospects. You can use postcards in conjunction with other forms of marketing in a follow up process.
Postcards get attention
The biggest challenge you have with marketing today is getting peopleís attention. With over 3,000 advertising impressions hitting each of us every day, you need something that gets peopleís attention.
Unlike a letter, there is no envelope to open. No time consuming effort. You pick up a postcard and turn it over. You can read it in a matter of seconds.
Thatís exactly what other people do. Unlike many letters that immediately end up in the circular file, postcards get read. People are curious and they know it will only take a few seconds to read the postcard. Study your own behavior next time you get a postcard in the mail. Ask yourself, would you like customers and prospects to give the same attention to your postcards?
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