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David and I want to express our heartfelt gratitude for your ongoing support of our credit card processing services. Thanks to you, we’ve been able to donate over $520,000 through our “Every Swipe Benefits Charity” program. At Pay It Forward Processing, we are committed to assisting you in staying compliant while standing out with our unique blend of robust payment processing solutions and a philanthropic mission. Thank you for being a vital part of this journey! IS YOUR BUSINESS PCI COMPLIANT ? If your business is NON-PCI COMPLIANT you are being charged $59.95 from Visa/Mastercard.  As a business, you need to ensure your customers' cardholder data is safe. We at Pay it Forward Processing are here to assist you in  doing it and maintain PCI compliance to protect your data. For assistance with your PCI compliance we offer a free service to assist through the process. Book a time: www.bookpci.com   Why Is PCI Compliance Important? 1. Security of Cardholder Data : Protection Against Data Breaches : PCI compliance helps protect sensitive cardholder data from data breaches and cyber-attacks. Reduced Risk of Fraud : By securing the cardholder data, businesses reduce the likelihood of fraud and fraudulent transactions. Proactive Security Posture : Regular monitoring, testing, and updating security measures help organizations stay ahead of potential threats. Customer Confidence : Customers are more likely to trust companies that secure their payment information. 2. Avoiding Financial Penalties : Fines for Non-Compliance : Non-compliant organizations can face substantial fines from credit card companies and regulatory bodies.  Cost of Data Breaches : The financial impact of a data breach can be enormous, including costs related to legal fees, settlements, and remediation efforts. Fines can be levied by payment card brands of up to $500,000 per incident for security breaches when merchants are not PCI compliant. In addition, it is required that all individuals whose information is believed to have been compromised must be notified in writing to be on alert for fraudulent charges. As such, the potential cost of a security breach can far exceed $500,000 when the cost of customer notification and recovery is calculated. What Is PCI Compliance? PCI compliance refers to adhering to the Payment Card Industry Data Security Standard (PCI DSS), a set of security standards designed to ensure that all companies that accept, process, store, or transmit credit card information maintain a secure environment. This standard was established by the Payment Card Industry Security Standards Council (PCI SSC) and applies to any organization, regardless of size or number of transactions, that handles cardholder data.

Pay It Forward Processing (PFProcessing) is an ethical payment processing company that aims to provide businesses with convenient, reliable, and secure payment processing solutions. Founded on the belief that businesses should have access to affordable payment processing options that allow them to accept payments from a wide range of customers. Some key features of PFProcessing’s commitment to supporting small businesses include: - Customizable payment processing options - Competitive rates - Cancel at any time, not termination fee - Personalized customer service PFProcessing is also committed to sustainability and social responsibility. Through their unique giveback program, Every Swipe Benefits Charity, PFProcessing has been able to donate over $450,000 with a goal of donating $1,000,000 to charities nationwide from credit card fees. Being an ethical company that offers convenient, reliable, and secure payment processing solutions to businesses of all sizes, making this unique business model is attractive as an option for businesses looking for a payment processor. Pay It Forward Processing is a payment processing company that stands out from the competition in a number of ways. Here are just a few reasons why businesses may want to consider Pay It Forward Processing over other payment processors: Personalized customer service: The company has a team of dedicated professionals who are available to help businesses set up their payment processing systems and answer any questions they may have. Competitive fees: Being directly licensed and bonded with Visa/Mastercard, we are able to write low, competitive rates and customize business’ payment processes , saving the business time and money. Social responsibility: Pay It Forward Processing is committed to social responsibility and donates a portion of its profits to charitable causes. To date they have been able to donate over $450,000 with a goal of $1,000,000. Pay It Forward Processing is a payment processing company that offers a range of benefits to businesses of all sizes. Its personalized customer service, competitive fees, commitment to small businesses, and social responsibility make it a unique and attractive option for businesses looking for a payment processor. Several reasons why payment processing is important for businesses: Increased sales: By offering a range of payment options, businesses can appeal to a wider customer base and increase the likelihood of making a sale. Improved cash flow: Payment processing enables businesses to receive payments in a timely manner, which can improve cash flow and help to keep the business running smoothly. Reduced fraud risk: Payment processing providers often offer fraud protection services to help businesses reduce the risk of fraudulent transactions. Greater efficiency: Payment processing can help businesses streamline their financial operations by automating the payment process and reducing the need for manual reconciliation of payments. Overall, payment processing is an essential part of any business and plays a critical role in enabling businesses to accept and process payments from their customers.

The general principles of servant leadership are timeless, but the movement was re-energized when a man named Robert K. Greenleaf published an essay in 1970 called “The Servant As Leader.” In this essay, Greenleaf proposed a radical concept: “The servant-leader is servant first… It begins with the natural feeling that one wants to serve, to serve first…That person is sharply different from one who is leader first, perhaps because of the need to assuage an unusual power drive or to acquire material possessions.” Greenleaf followed this essay with a second one, “The Institution as Servant,” which proposed that organizations could also act as servant-leaders and change the world. In this essay, Greenleaf said: “…Caring for persons, the more able and the less able serving each other, is the rock upon which a good society is built.” Here at Pay it Forward Processing, we have built our company on the rock of servant leadership. The principles of focusing on the well-being of our employees, the success of our customers, and the betterment of our community are what drive everything about our company. In an industry that has a deeply-embedded and well-deserved reputation for being slimy and duplicitous, we are dedicated to offering our customers and our employees a different option. We are proud to provide servant leadership by: • Giving away net profits to carefully vetted charities (our executive team makes no salary) • Providing customers with month-to-month agreements with no termination fees • Never charging customers minimum usage fees • Never demanding monthly quotas from our sales team • Actively supporting our customers’ businesses and events to increase their success We express servant leadership by honoring our customers and our employees, and we give the excess we don’t need to organizations that do. In the last six months, we’ve been able to give over $30,000 to local charities, and we plan to give away much more in 2015. I encourage you to read more about servant leadership so that you can make a difference as an individual and through your own business. I also hope you’ll consider working with us as we try to change the merchant processing world and support each and every one of our customers as best we can.

1. Dishonesty Have you been promised a certain processing rate yet when receiving your statement; they are higher than you were promised? Also, additional fee’s you weren’t aware of. Most credit card processing companies focus and sell you on a low rate without explaining what will happen after a transaction. These extra hidden fees can sometimes be in the range of $50-$100 monthly and even more. 2. Bait and Switch Your current processor may lower your rates on the signing or when asked to explain or compare rates, but do not have to notify you when they raise your rates again which usually happens shortly after lowering. 3. No Customer Support Do you have a consistent and supportive relationship with the agent you signed up with? Probably not. It is frustrating to not know who to call when you have a question or are in a time-sensitive situation. You should search for a company who will assign you an agent you trust from building rapport and who will be the one answering when you call. 4. PCI Compliance? Never heard of this before? Yikes. Does your current processing company walk you through and make sure you are PCI compliant? Chances are, they do not. PCI (Payment Card Industry) is required if you process credit cards of any type. If you are not PCI compliant, you are billed a minimum of $29.00 each month and you are 100% liable for any breaches that could happen. That could put you out of business. 5. Stuck in a Contract with cancellation fees Did you know you do not have to be in a contract with a processor? Signing a contract does not lock in your rates – it only locks you into the processor. You should want to stay with your processor because you want to, not because you have to. Look for a company who does month-to-month agreements with no cancellation or termination fees. Pay it Forward Processing is honest, transparent, will assign you a dedicated agent, walks you through PCI compliance and termination fees. If you are not happy with your current processor, we’d love to do a side by side comparison and educate you on where you might be paying too much for your credit card processing!

If you're a business owner in Arizona, there's one option that stands out among the rest: Pay It Forward Processing. In this blog post, we will explore why. Why Pay It Forward Processing is a great choice for Arizona businesses: Low fees: Pay It Forward Processing offers some of the lowest credit card processing fees in Arizona. This means you can save money on every transaction, which can add up over time. Excellent customer service: Pay It Forward Processing has a reputation for excellent customer service. Their team is knowledgeable and helpful, and they're always available to answer your questions. Charitable giving: Pay It Forward Processing is committed to giving back to the community. They donate a portion of their profits to local charities, so you can feel good knowing that your business is helping others. How to get started with Pay It Forward Processing: To get started with Pay It Forward Processing, simply visit their website or give them a call. They will work with you to assess your needs and create a custom plan that's right for your business. If you're looking for a credit card processing company that offers low fees, no contracts, excellent customer service, and a commitment to giving back to the community, then Pay It Forward Processing is the perfect choice for you. Contact Pay It Forward Processing today to learn more about how they can help your business grow. Here are some additional benefits of using Pay It Forward Processing: Month-to-month billing: You're not locked into a long-term contract, so you can cancel at any time. Free equipment: Pay It Forward Processing will provide you with free equipment, including a credit card reader and terminal. 24/7 support: You can always reach a customer service representative 24 hours a day, 7 days a week. Secure payments: Pay It Forward Processing uses the latest security measures to protect your customers' data. If you're looking for a reliable and affordable credit card processing company, then Pay It Forward Processing is the perfect choice for you. Contact them today to learn more about how they can help your business grow.

What is a payment gateway? A payment gateway is a service that allows businesses to accept online payments. It acts as a middleman between the customer's bank and the merchant's bank, processing the transaction and transferring the funds to the merchant's account. Why is choosing the right payment gateway important? Choosing the right payment gateway is important for a number of reasons. First, you want to make sure that you are able to offer your customers the payment methods that they prefer. Second, you want to choose a gateway that is secure and reliable. Third, you want to find a gateway that is affordable and easy to use. Factors to consider when choosing a payment gateway There are a number of factors to consider when choosing a payment gateway, including: Security: The security of your customers' financial information is paramount. Make sure that the payment gateway you choose is PCI compliant and offers robust fraud prevention features. Payment methods: Consider the payment methods that your customers are most likely to use. Some payment gateways offer a wide range of payment methods, while others are more limited. Fees: Payment gateways charge a variety of fees, including transaction fees, monthly fees, and setup fees. Compare the fees of different gateways to find the best deal for your business. Ease of use: It is important to choose a payment gateway that is easy to use for both you and your customers. The checkout process should be smooth and seamless. Customer support: Make sure that the payment gateway you choose offers responsive and helpful customer support. Pay It Forward Processing: A payment gateway with a difference Pay It Forward Processing is a payment gateway that is committed to making a positive impact on the world. For every transaction that is processed through our gateway, we donate a portion of the proceeds to a worthy cause.

PCI compliance refers to a set of security standards that safeguard credit card data, and it's crucial for businesses of all sizes, whether they handle credit card transactions online, in person, or via phone. There are several compelling reasons to prioritize PCI compliance. Firstly, it's a legal requirement. The Payment Card Industry Security Standards Council (PCI SSC) is an international organization that establishes these standards, and as a merchant accepting credit cards, adherence to these regulations is mandatory. Secondly, PCI compliance helps protect your customers' data. In the event of a data breach, your customers may be susceptible to identity theft, fraud, and financial losses. By adhering to PCI standards, you can minimize the risk of data breaches by implementing robust security measures. Thirdly, maintaining PCI compliance can help you avoid penalties. Non-compliance with PCI standards can result in fines imposed by credit card companies. Given the potential magnitude of these fines, it is in your best interest to remain compliant. Lastly, PCI compliance plays a pivotal role in building customer trust. Customers are more likely to engage with businesses that prioritize data security. By demonstrating your commitment to PCI compliance, you reassure your customers that their data is treated with the utmost seriousness. If you're uncertain about where to begin with PCI compliance, numerous resources can provide assistance. The PCI SSC website offers a wealth of information on the standards, and there are third-party compliance providers available to guide you through the process. Here are some key benefits of PCI compliance to consider: Safeguard customer data: PCI compliance mitigates the risk of data breaches, protecting your customers' financial information and reducing the likelihood of identity theft. Avoid penalties: Non-compliance with PCI standards can lead to substantial fines from credit card companies. Maintaining compliance is therefore essential. Foster customer trust: Businesses that prioritize PCI compliance instill confidence in their customers, ultimately enhancing their willingness to engage with your company. Strengthen overall security: Implementing the security measures required for PCI compliance also fortifies your business against other forms of cyberattacks. For businesses that accept credit cards, PCI compliance is an indispensable aspect of operations. By undertaking the necessary steps to achieve compliance, you can safeguard customer data, prevent fines, foster customer trust, and enhance your overall security. To facilitate your journey towards PCI compliance, consider the following tips: Familiarize yourself with PCI DSS requirements by accessing the valuable resources provided by the PCI SSC website. Assess your current security posture to identify areas that require improvement. Implement the necessary security measures, such as data encryption, robust passwords, and firewalls. Seek certification through an auditor approved by the PCI SSC once you have implemented the required security measures. Maintaining PCI compliance is an ongoing endeavor. Regularly reviewing your security measures and making necessary adjustments are vital. However, the benefits of being PCI compliant far outweigh the efforts required.

Running a small business can be both challenging and rewarding. To ensure success, effective management is crucial. In this blog post, we'll provide you with valuable tips on how to manage your small business efficiently. Let's dive in! Set Clear Goals and Objectives: Begin by defining your business goals. Knowing what you want to achieve allows you to develop a strategic plan for success. Whether it's increasing sales, expanding your customer base, or launching new products/services, clear goals serve as a roadmap for your business's growth. Create a Strong Team: Surround yourself with talented and motivated individuals who share your vision. Building a strong team is vital for the success of your small business. Hire employees who possess the necessary skills and are passionate about their work. Together, you can work towards achieving your goals. Delegate Tasks Effectively: Avoid the common mistake of trying to do everything yourself. Delegate tasks to your team members, empowering them to take on responsibilities. By distributing workload effectively, you can focus on strategic decision-making and crucial aspects of your business. Manage Your Time Wisely: Time management is essential for small business owners. Prioritize tasks and allocate your time accordingly. Identify the most important and impactful activities that will drive your business forward. Streamline your workflow and avoid getting caught up in less important tasks that can drain your time and energy. Be Organized: Maintaining organization is key to staying on top of your business operations. Implement systems and tools to track your finances, inventory, and other essential information. This ensures that you have accurate data at your fingertips, allowing for informed decision-making. Be Prepared for Challenges: Running a small business comes with its fair share of challenges. Anticipate and prepare for obstacles that may arise along the way. Maintain a proactive mindset and develop problem-solving skills to overcome hurdles. Embrace challenges as opportunities for growth and learning. At Pay It Forward Processing, we understand the unique challenges faced by small businesses. As a payment processing company, we are committed to helping your business thrive. Our team of experts can assist you in setting up a reliable payment processing system, managing transactions, and tracking your finances. Additionally, we offer various services designed to streamline your business operations. Contact Pay It Forward Processing today to discover how we can support your small business's success.

Pay It Forward Processing is a credit card processing company that believes in giving back to the community. For every transaction processed through our platform, we donate a portion of the proceeds to a charity of the customer's choice. This means that businesses can support their favorite causes while also getting the best possible credit card processing rates. In addition to our commitment to charity, Pay It Forward Processing also offers a number of other benefits to businesses. We have a team of experienced account managers who can help businesses find the right processing solution for their needs. We also offer competitive rates and a variety of features, such as fraud protection and merchant services. If you're looking for a credit card processing company that cares about both your business and your community, then Pay It Forward Processing is a great option. We offer a number of benefits that can help you grow your business and make a difference in the world. About Pay It Forward Processing Pay It Forward Processing is located in Cave Creek, Arizona. We serve businesses in the Phoenix metropolitan area and throughout the state. Businesses of all sizes are welcome to check us out. How to Pay It Forward There are a few different ways to pay it forward with Pay It Forward Processing. You can: Choose a charity to support: When you sign up for Pay It Forward Processing, you can choose a charity to support. A portion of the proceeds from every transaction you process will be donated to that charity. Donate your points: Pay It Forward Processing offers a rewards program that allows you to earn points for every transaction you process. You can then donate your points to a charity of your choice. Host a fundraising event: You can host a fundraising event to raise money for your favorite charity. Pay It Forward Processing will match your fundraising efforts with a donation of their own. No matter how you choose to pay it forward, you can be sure that your actions will make a difference. So go ahead and start paying it forward today! Contact Pay It Forward Processing To learn more about Pay It Forward Processing, visit our website at www.pfprocessing.com

The partnership between Finova Capital and Pay It Forward Processing is a great combination for businesses looking for reliable funding solutions and efficient payment processing services. Here are some reasons why the partnership of both companies is great and why you should use them: Comprehensive Funding and Payment Processing Solutions With the partnership of Finova Capital and Pay It Forward Processing, businesses can benefit from comprehensive funding and payment processing solutions. Finova Capital provides tailored funding solutions to meet the specific needs of businesses, while Pay It Forward Processing offers a wide range of payment processing services. This makes it easy for businesses to get the funding they need and process payments efficiently, all in one place. Socially Responsible Business Model Both Finova Capital and Pay It Forward Processing operate on socially responsible business models. Finova Capital donates a portion of its profits to charitable organizations, while Pay It Forward Processing donates a portion of its profits to causes chosen by its clients. This means that by working with both companies, businesses can not only improve their financial solutions, but also contribute to making a positive impact on the community. Competitive Rates and Fees Both Finova Capital and Pay It Forward Processing offer competitive rates and fees. Finova Capital is committed to providing transparent and affordable financing solutions, while Pay It Forward Processing offers clear and easy-to-understand pricing structures for its payment processing services. This makes it easy for businesses to manage their financial solutions while saving money. Exceptional Customer Support Both Finova Capital and Pay It Forward Processing are known for their exceptional customer support. Finova Capital has a team of experienced professionals who provide personalized support and guidance to their clients, while Pay It Forward Processing has a dedicated team of support specialists available 24/7. This level of support ensures that businesses are always able to get the help they need when they need it. Innovative Technologies Both Finova Capital and Pay It Forward Processing are committed to using innovative technologies to provide the best possible solutions to their clients. Finova Capital uses advanced analytics and machine learning algorithms to make data-driven decisions and provide customized solutions, while Pay It Forward Processing offers innovative payment processing solutions, such as contactless payments and mobile payments, to help businesses stay ahead of the curve. The partnership between Finova Capital and Pay It Forward Processing is a great choice for businesses looking for comprehensive, socially responsible, and innovative financial solutions. By working with both companies, businesses can benefit from tailored funding solutions, a wide range of payment processing services, competitive rates and fees, exceptional customer support, and cutting-edge technologies. This partnership offers businesses a unique opportunity to streamline their financial solutions, save money, and make a positive impact on the community. Ready to simplify your financial solutions and make a positive impact on your community? Click the link now to apply for a partnership with Pay It Forward Processing and Finova Capital. With our tailored funding solutions and a wide range of payment processing services, we can help you streamline your finances and improve your bottom line. Plus, with our socially responsible business models, you can feel good knowing that you're making a difference. Don't wait, click the link and apply today.

if you're a business owner in Phoenix, Arizona, there's one option that stands out among the rest: Pay It Forward Processing. In this blog post, we will explore why Pay It Forward Processing is the best credit card payment processing solution in Phoenix. Local Focus: Pay It Forward Processing is a locally owned and operated payment processing company based in Phoenix. Choosing a local service provider offers several advantages, such as personalized customer support, a better understanding of the local market, and a commitment to supporting the local economy. With Pay It Forward Processing, you can rest assured that you're working with a company deeply invested in the success of Phoenix businesses. Competitive Rates: One of the key factors to consider when selecting a payment processor is the cost. Pay It Forward Processing offers highly competitive rates, ensuring that you can keep your processing fees low and maximize your profits. They understand the importance of affordability for small and medium-sized businesses, and their pricing structure is transparent, with no hidden fees or surprises. Customized Solutions: Every business has unique needs, and Pay It Forward Processing recognizes that. They provide customized payment solutions tailored to your specific industry and business requirements. Whether you operate a retail store, restaurant, e-commerce website, or service-based business, Pay It Forward Processing can design a payment processing system that fits seamlessly into your operations. Advanced Technology: Staying ahead in the payment processing industry requires leveraging cutting-edge technology. Pay It Forward Processing offers state-of-the-art payment solutions that are secure, reliable, and efficient. From EMV chip card readers to mobile payment options and contactless payments, they stay up to date with the latest advancements to ensure a seamless transaction experience for both you and your customers. Exceptional Customer Service: When it comes to payment processing, having reliable customer support is crucial. Pay It Forward Processing takes pride in delivering exceptional customer service. Their knowledgeable and friendly support team is available to assist you with any inquiries, technical issues, or concerns promptly. You can count on their expertise to help you navigate the world of credit card payments with ease. Social Responsibility: What sets Pay It Forward Processing apart from other payment processors is their commitment to making a positive impact on the community. As the name suggests, they believe in paying it forward. A portion of their revenue is donated to local charities and nonprofit organizations, ensuring that your business contributes to the betterment of Phoenix while processing payments. Choosing the right credit card payment processing solution is crucial for the success of your business. Pay It Forward Processing offers a winning combination of local focus, competitive rates, customized solutions, advanced technology, exceptional customer service, and social responsibility. As a business owner in Phoenix, Arizona, partnering with Pay It Forward Processing means not only accessing top-notch payment processing services but also supporting the local community. Make the smart choice for your business and join hands with Pay It Forward Processing today.

Goal setting is not just a mere act of wishful thinking; it is a powerful tool that can transform your life. Whether you want to achieve personal growth, career success, or embark on a new adventure, setting clear and meaningful goals is essential. In this blog post, we will explore the importance of goal setting and provide practical tips to help you set and achieve your goals effectively. Clarity breeds success: Setting goals gives you clarity about what you truly want to achieve. Without a clear destination in mind, you may find yourself drifting aimlessly. By defining your goals, you provide yourself with a roadmap and a purpose. Take the time to reflect on your passions, values, and aspirations, and set goals that align with them. The more specific and well-defined your goals are, the more likely you are to achieve them. Motivation and focus: Goals provide you with a sense of motivation and purpose. When you have a clear objective, you are more likely to stay focused and motivated, even during challenging times. A goal acts as a constant reminder of what you are working towards, helping you overcome obstacles and stay on track. Additionally, breaking down your goals into smaller, manageable tasks allows you to stay motivated by celebrating your progress along the way. Turning dreams into reality: Dreams remain dreams until you transform them into goals. Setting goals bridges the gap between your aspirations and their actualization. It moves you from a passive state of wishing to an active state of doing. When you turn your dreams into concrete goals, you are more likely to take the necessary steps to make them a reality. Remember, every big accomplishment starts with a small goal. Measurement and accountability: Setting measurable goals provides you with a way to track your progress. By establishing clear metrics and deadlines, you can evaluate your advancement and make adjustments if needed. Regularly monitoring your progress helps you stay accountable to yourself and ensures that you are on the right path. Moreover, sharing your goals with others can provide an additional layer of accountability and support. Continuous growth and self-improvement: Goal setting is not solely about achieving a specific outcome; it is a journey of continuous growth and self-improvement. As you strive to achieve your goals, you learn new skills, expand your knowledge, and develop valuable habits. Even if you encounter setbacks along the way, the process of setting and pursuing goals helps you become more resilient and adaptable. Setting goals is a powerful strategy that enables you to unlock your full potential and live a more intentional and fulfilling life. By providing clarity, motivation, focus, and accountability, goals act as catalysts for personal and professional growth. So, take a moment to reflect on your dreams and aspirations, and start setting meaningful goals that will guide you towards the life you desire. Remember, with determination, perseverance, and a well-defined plan, you can achieve remarkable things and create a brighter future for yourself.