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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.

Fundraising is an essential activity for organizations and individuals alike, providing much-needed resources to support meaningful causes. While traditional fundraising methods like bake sales and car washes are effective, thinking outside the box and embracing creativity can take your fundraising efforts to new heights. In this blog post, we will explore exciting and unconventional ways to raise funds, including a unique partnership between Finova Capital and Pay It Forward Processing that combines financial support with a socially responsible approach. Crowdfunding: Embrace the Power of the Online Community Crowdfunding platforms have revolutionized the fundraising landscape, allowing individuals and organizations to reach a wide audience. Create a compelling campaign on platforms like Kickstarter, GoFundMe, or Indiegogo, and leverage social media to spread the word. Offer unique perks or rewards to donors, such as exclusive merchandise or experiences, to incentivize their support. Additionally, consider partnering with Finova Capital, a socially responsible lender, to provide matching funds or additional resources to amplify the impact of your crowdfunding campaign. Host a Themed Fundraising Event Organize a themed fundraising event that captures the imagination of your target audience. Whether it's a costume gala, a retro dance party, or a trivia night, the key is to provide a memorable experience. Encourage attendees to dress up, incorporate interactive elements, and partner with local businesses for sponsorships or donations. To enhance the fundraising aspect, collaborate with Pay It Forward Processing, a payment processing company dedicated to helping nonprofits. By utilizing their services, you can seamlessly collect donations during the event and ensure a smooth and secure transaction process. Online Auctions: Turn Donations into Exciting Bids Tap into the power of online auctions to transform donated items or experiences into valuable fundraising opportunities. Set up an online platform where people can bid on items ranging from unique artwork to gift certificates for local businesses. Promote the auction through social media and email newsletters, and create friendly competition among bidders to drive up prices and donations. Additionally, consider partnering with Finova Capital to offer special incentives, such as matching funds or low-interest loans, to further encourage participation and support. Creative Challenges and Competitions Engage your community by organizing creative challenges and competitions that inspire participation while raising funds. Examples include talent contests, art competitions, or sports tournaments. Encourage participants to gather sponsorships from friends and family, and consider awarding prizes to winners. Collaborating with Pay It Forward Processing allows you to seamlessly collect entry fees and donations, while partnering with Finova Capital can provide additional financial resources or incentives for participants, amplifying the impact of the fundraising event. Collaborate with Local Artists and Performers Harness the power of local talent by organizing art exhibitions, concerts, or theater performances in support of your cause. Partner with local artists, musicians, or theater groups who are willing to donate their skills and time for a charitable event. Sell tickets to the event or request donations from attendees, and use the opportunity to share information about your cause and raise awareness. By utilizing Pay It Forward Processing's services, you can streamline ticket sales and donations, while exploring a partnership with Finova Capital offers an opportunity to access funds for event logistics and to provide further support to the artists and performers involved. Fundraising doesn't have to be limited to traditional methods. By embracing creativity and exploring innovative fundraising ideas, including partnerships with companies like Finova Capital and Pay It Forward Processing, you can capture the attention of your community, create meaningful experiences, and raise funds that make a lasting impact. From crowdfunding campaigns to themed events and engaging challenges, there are endless opportunities to combine passion, imagination, and philanthropy. So, dare

Setting clear and achievable sales goals is essential for any business looking to thrive in a competitive market. However, merely stating desired outcomes is not enough. Effective sales goals planning involves a strategic approach that takes into account various factors, such as market conditions, target audience, and available resources. In this blog post, we will explore the key steps to master sales goals planning and create a blueprint for success. Understand Your Business Objectives: Before diving into sales goals planning, it is crucial to align your sales targets with your overall business objectives. Take the time to understand your organization's mission, vision, and long-term goals. By having a clear understanding of your company's direction, you can set sales goals that contribute to its growth and success. Analyze Historical Data: Reviewing historical sales data can provide valuable insights for effective goal planning. Analyze previous sales performances, identify trends, and assess areas of strength and weakness. This analysis will help you set realistic targets based on past achievements and highlight areas that need improvement. Set SMART Goals: Adopt the SMART goal-setting framework, which stands for Specific, Measurable, Achievable, Relevant, and Time-bound. Each goal should be well-defined and quantifiable, providing a clear target for your sales team. For example, instead of setting a vague goal like "increase sales," a SMART goal would be "increase sales revenue by 10% within the next quarter." Consider Market Conditions: To set attainable sales goals, it is essential to consider the current market conditions. Assess industry trends, competitor performance, and economic factors that may impact your sales efforts. By understanding the external environment, you can adjust your goals accordingly and ensure they are realistic and achievable. Collaborate with Your Sales Team: Involve your sales team in the goal-setting process to encourage ownership and commitment. Engage them in discussions to gather insights, understand challenges, and gain buy-in. Your team members' input can be invaluable when setting targets that are challenging yet realistic, motivating them to strive for excellence. Break Goals into Milestones: Break down your sales goals into smaller milestones or objectives. This approach allows you to track progress more effectively and make adjustments along the way. Celebrating smaller victories can also boost team morale and motivation, ultimately contributing to the achievement of the larger sales goals. Align Resources and Training: Ensure that your sales team has the necessary resources, tools, and training to accomplish the set goals. Evaluate if additional training is required to enhance their skills or if new technology is needed to streamline their processes. Providing the right support to your team will empower them to meet and exceed their targets. Regularly Monitor and Evaluate Progress: Goal setting is an ongoing process that requires continuous monitoring and evaluation. Establish regular checkpoints to track progress, identify potential bottlenecks, and make necessary adjustments. Leverage key performance indicators (KPIs) and sales analytics to measure performance and gain actionable insights. Provide Feedback and Recognition: Regularly provide feedback to your sales team, recognizing their achievements and addressing areas for improvement. Constructive feedback helps them stay focused and motivated, while recognition fosters a positive work environment and encourages continued success. Adapt and Evolve: Lastly, remember that sales goals planning is not a one-time event. It should be a dynamic process that adapts to changing market dynamics, customer needs, and business objectives. Regularly reassess your goals, adjust strategies if needed, and embrace innovation to stay ahead of the competition.

If you switch your credit card processing to Pay it Forward Processing, you can incorporate charitable giving into your business without any extra work or cost. That’s because, we are already committed to giving all of our net profits to one of the many fine charities we have carefully vetted. It’s all part of our innovative, one-of-a-kind “Every Swipe Benefits Charity Program.” When your customer swipes, a small portion of the fee you would usually pay your merchant processor will instead go to charity. That means no extra money out of your pocket! Your processing fees are the same, but now you can promote the fact that your customers are giving to charity every time they give to you! No other merchant processing company is doing this, because we are the only business in our industry committed to servant leadership. You know how warm and fuzzy it feels to donate to charity? Who would have thought you could get that same feeling by switching to a different merchant processor. Contact us today to learn how you can turn every customer swipe into a small charitable contribution. It all adds up, and your customers will love buying your products even more. Take a look at all the great charities our “Every Swipe Benefits Charity Program” supports.

Here’s a strange thought – what if your credit card processor actually cared about whether or not your business succeeded? Sure, credit card processors like it when your business does well, because they earn a profit every time one of your clients swipes, but what if they also really cared about your business? Here’s an even stranger thought – what if your credit card processor actually helped your business succeed? Strange or not, that’s what we do here at Pay it Forward Processing. We are the only merchant card processing company dedicated to servant leadership – a way of doing business that serves our clients, our community, and deserving charitable organizations. A big part of servant leadership is about doing what is in the best interest of our customers, rather than just our bottom line. That means we offer our customers a lot of important benefits, including: • Equipment: All of the machines and processing equipment you need to process credit card transactions • Systems Recommendations: Consultations and recommendations on the best processing systems for your specific business. • EMV Chips: These important chips will be required to be in all terminals by the end of 2015. We offer them now so that you are immediately compliant with the new law. • Mobile Wireless Machine: Saves your processing data even if you don’t have an internet connection. It’s perfect for special events or entrepreneurs on the go. • Special Plate: Known as “knuckle busters,” these plates may be antiquated, but they’ll come in handy if you ever experience a power outage and need some way of collecting credit card payments. Every one of our clients receives a plate when they sign with us. And More… Our service doesn’t just stop with giving clients extra equipment. We actively try to assist your business by giving you props on our social media pages, Tweeting about your upcoming events, and even making important connections between businesses who can work well as strategic partners. Many of our clients are surprised when they see us promoting their accomplishments and events, but that’s just the kind of service we give to everyone we work with. I have over 35 years of marketing experience, and I am thrilled to use it on behalf of my clients, because I know how hard it is for small and medium sized businesses to keep the customers and the profits coming. What Is Your Merchant Card Processing Company Doing For You? If your merchant card processing company isn’t invested in your success, then consider making a change. At Pay it Forward Processing, we truly care about our clients. Check out our Facebook page and Twitter feed to see us in action for our clients.

Historically, merchant card processing has been a slimy business that relied upon confusion, misinformation, and dirty tricks to trap business owners into contracts. At Pay it Forward Processing, we are trying to change the industry by offering honest, open, and customer-friendly merchant card processing services. Not everyone in this business has joined us on the high ground. If you are searching for a merchant card processor, be careful, do your homework, and watch out for these three popular dirty tricks that merchant card processors use: Beware Hidden Fees Most merchant card processors try to compete on price. Of course, they still want to make as much money as possible. This has led to a growing trend of low price quotes followed by long contracts stuffed with hidden fees in the fine print. If merchant card processors can’t make money on upfront costs, they’ll try to take it through dubious extra fees, such as monthly maintenance fees, service fees, and the like. Review your contract very closely and ask your sales rep to lay out all of the fees involved. Minimum Usage Requirements One of the most insidious tricks that credit card processors like to play is to hide a minimum usage clause in their contracts. Oftentimes, sales reps don’t accurately explain what this fee is, allowing business owners to believe that the minimum usage relates to the minimum amount of sales they must process each month, when in fact, the minimum number is actually the amount they must generate for the credit card processor! Many small business owners who experience seasonal fluctuations in sales end up getting slammed with fees when they can’t meet the minimum usage requirements. Contract Termination Fee Rather than providing great service, most merchant card processing companies try to use the threat of financial pain to keep their clients locked in. This comes in the form of contract termination fees. As usual, this fee is rarely brought up by a sales rep when he or she is wooing you for your business, but if you want to try greener pastures, watch out! You’ll have to lay down some extra money just to leave. We Do Things Differently. At Pay it Forward Processing, we keep our clients with amazing customer service, honesty, and integrity instead of using dirty tricks. Our sales people are trained to lay out all of the costs related to our services when meeting with customers so that there are never any surprises. Oh, and we don’t make our customers sign contracts, so minimum usage requirements and contract termination fees aren’t even on the table. Dirty tricks are the opposite of the servant leadership model of business that we operate on. If you want to work with a different kind of credit card processor, contact us for a consultation today.

On September 9, 2014, Apple’s CEO Tim Cook unleashed a wave of exciting Apple announcements. Techies around the world got their first look at the iPhone 6 as well as the new Apple Watch. But Tim Cook wasn’t done. He also unveiled an innovative service called Apple Pay that will allow people to pay for purchases using only their iPhone 6 or Apple Watch at participating retailers. Apple dubbed describes Apple Pay as, “Your Wallet Without the Wallet.” Since this announcement, retailers have been wondering… Should I Accept Apple Pay At My Business? Many big name retailers have thrown their support behind Apple Pay, including Chevron, Macy’s, McDonalds, Nike, WalGreens, and Subway. There are some big exceptions, including WalMart, Target, and CVS that have refused to accept Apple Pay. But what about small business owners? According to Mark Hung, an analyst at information technology research firm Gartner, less than 10% of American retailers accept Apple Pay. Though over one million credit cards were registered on Apple Pay in the first three days after its arrival, retailers are right to wonder how big the demand for Apple Pay really is. After all, it is only available on the latest model of iPhone or the Apple Watch, both of which have been on shelves for less than a year. Business owners may also worry about the cost of updating their credit card processing equipment in order to accept this new form of payment. But here’s something to consider… You Need to Update Anyway! In October of 2015, merchants will face a liability shift if they do not upgrade their credit card processing equipment to become E.M.V.-compliant. That means that if your equipment is not E.M.V.-compliant, and your business experiences a data breach, your business will be on the line for covering all damages. To become E.M.V.-compliant, you will need to obtain an N.F.C. payment terminal. Here’s the silver lining – N.F.C. payment terminals can accept E.M.V. credit cards AND Apple Pay digital payments. Since your business will need to be E.M.V.-compliant soon anyway, you might as well accept Apple Pay and give your customers one more way to conveniently purchase from you. How to Accept Apple Pay? Reconfiguring your system to accept Apple Pay isn’t as hard or expensive as it may seem. You will simply need to choose an N.F.C. payment terminal that is right for your business. Many N.F.C. options for small businesses cost between $300 and $500. Apple does not add an extra fee on top of what a merchant already pays on each credit card transaction, so your processing costs will not go up. If you are ready to become E.M.V.-compliant and to accept Apple Pay at your business, contact Pay it Forward Processing. A knowledgeable associate will work closely with you to determine the best N.F.C. payment system for your business and help you get everything set up. Afterwards, you can proudly advertise to your hip and trendy iPhone-carrying customers that you accept Apple Pay.

Our New Year’s resolution for 2015 is kind of a big one. Well, it’s not really a New Year’s resolution. More like a triple New Year’s resolution for 2015 – 2017. We want to give away one million dollars. Sure, it’s not exactly Bill Gates money, but it’s a big number, and it can certainly help a lot of very deserving charities. Our Commitment to Servant Leadership If you’ve been following our blog or have done business with us, then you know that Pay it Forward Processing does things a little differently than other merchant processing companies. We follow the path of servant leadership – using our business to try and make the world a better place. While other merchant processing firms charge transaction fees in order to make as much profit as possible, we give all of our net profit to charity. That’s right, all of it. We’ve spent a lot of time and effort vetting a handful of really awesome charities, and we allow each merchant to choose a charity to donate to. The coolest thing about our Every Swipe Benefits Charity Program is that we make a donation on behalf of our client for every transaction they process without any extra cost to the client. That means that your business can take part in supporting a great charity, like the Boys and Girls Club of East County, Denver Rotary, St. Vincents De Paul Church, Our Fallen Soldier, and many more. Are You Going to Help Us Give One Million To Charity? If you are already a customer of ours, then just keep doing what you’re doing. Every credit card swipe from your customers will add a little more change to our charity piggy bank. The better your business does, the more money we can give away. That’s one of the reasons why we are so focused on helping our customers succeed. You may notice that we often talk up our clients on social media and help get the word out on their news and events. If you aren’t yet a customer but want to be a part of the Every Swipe Benefits Charity Program, give us a call. We will assign an account representative to you who will help you come up with the best processing system for your business. Once we get you set up, you’ll get to choose your favorite charity from our list, and every swipe from your customers will help make the world a little bit of a better place! Let’s see how much we can give away in 2015!

What do Target, Home Depot, and Citibank all have in common? All of these major companies have been the victims of data breaches and have lost data for millions of customers. Hackers can be extremely sophisticated, and when they get into a system they can do a hefty amount of harm, causing millions or even billions of dollars in damage. If these large companies can get breached, your small business may be at risk as well. Older magnetic strip credit card processors have significant vulnerabilities. Currently, card issuers will absorb the brunt of a data breach for the time being, but this protection for small business owners won’t last long. You May Soon Be Liable For Data Breaches Unless You Update Your Processing Equipment! Starting in October of 2015, a liability shift will take place for all merchants who continue to use magnetic strip processing terminals. If a small business with a magnetic trip terminal experiences a data breach, they will be liable for all of the data lost. Considering that a 2011 data breach of Citibank is estimated to have cost $19.4 million, this is not a scenario any small business can withstand. In order to avoid liability of data breaches, small businesses will need to become E.M.V.-compliant. That means merchants will have to buy and install N.F.C. readers, which can accept E.M.V.-standard credit cards. (Silver lining: N.F.C. readers can also accept digital payments, which many believe to be the future of credit card processing.) As long as your business is E.M.V.-compliant by October of 2015, your business will not be held liable for data breaches. At Pay it Forward Processing, we ensure that all of our customers are E.M.V.-compliant, so they never have to worry about being held responsible for losing customer data. A data breach is stressful enough as it is. A small business owner shouldn’t have to worry about possibly being bankrupted by the fallout. What Are Your Chances? At the end of the day, it is impossible to protect yourself 100% from a data breach. An employee may accidentally click on a link in a phishing email, someone nefarious may get ahold of a company password, or even hack the wireless network your business uses. The best thing you can do is limit your liability and watch out for any suspicious activity on your network. Also, give us a call at Pay it Forward Processing if you have any questions about your E.M.V.-compliance. If you aren’t sure which N.F.C. reader is best for your business or what type of credit card processing hardware and software you need, we can help!

Our Account Managers are experts in the payments industry. They are trained to understand the various options merchants are faced with, to help guide merchants to the best possible solutions for them. Thank you to our account manager Pablo Davila for this AMAZING video that simplifies some of these processing options, and why your business should consider processing with Pay it Forward.

Guest Blog Post: Written by Machen P. MacDonald Are you caught in the busy trap? Do you wonder, at the end of the day, what you actually got accomplished? You know you were mega busy and worked harder than those around you. You may have even checked off a couple of items from your to do list; even the ones you wrote down after you completed the task. Those count too. However, were you productive? If you are like most people, you have either forgotten or never realized that things like voicemail, email, skype, PDAs (Personal digital assistant) , even facebook, linkedin and twitter are tools for your convenience and efficiency; not the other way around. Somehow they have crept in to your life without you even being aware of how to really leverage them for your productivity and efficiency. Each of those is a tool in the physical environment within which you work or operate. The trick is to learn how to set up your physical environment as well as the tools themselves to serve you. You want to learn how to respond to the alerts and information contained in those tools rather than react to them. I use the following formula: Set Intentions – Pay Attention – Feel Less Tension. First – Create a Ta-Da List. (Set your Intentions) Become very clear on what your goals or key objectives are for the day. Determine what 3-6 action items you want to make sure you get accomplished by the end of the day in order to feel productive. These are usually tied to a larger goal , project or mission. Get clear on what you can affect today toward the achievement of the bigger objective. Visualize what your experience will be at the end of the day having accomplished those action items successfully. Second – Create a Not-To-Do List. (Pay Attention) It is just as important to recognize what the distractions or obstacles to achieving those action items will look like when they show up. They are usually cleverly disguised as emergencies or ultra urgent items. Here is the news flash – they come in the form of email, voicemail, and flawed or outdated to do lists in PDAs. Essentially a distraction or obstacle is any interruption to our productive work flow. Typically these could have easily been avoided with some prior planning. Take a few minutes each morning to identify what the potential distractions may look like before they come hurling at you. This will enable you to be able to limit, eliminate or at least recognize them when they show up and not experience such an emotional charge around them. You’ll see them as distractions and step aside and let them go by you versus making the mistake of trying to square up and tackle it on the spot. This will free up your bandwidth to stay focused on what must be done to move toward success. Third – Notice Your Wins. (Feel Less Tension) Somewhere between diapers and getting our business cards printed we forgot the art of celebrating our wins. We became too cool for school and conditioned ourselves to notice all the stuff we don’t do well or could have done better instead of all the stuff we are doing well. I am here to challenge you to start noticing and yes, even celebrating your wins throughout your day. You will feel better about yourself and what you are doing. When you feel better you act better and when you act better you get better results. It’s an upward spiral. The better it gets, the better it gets. This is experiencing less tension. Imagine what you could actually accomplish if you experienced no stress. It’s a lot better than the downward spiral most people operate within that winds them so tight they eventually snap or blow a tube. So, to start with, just notice then when you are ready celebrate. Make it up, make it fun, make it happen! About Machen MacDonald: #1 bestselling author Machen P. MacDonad, CPCC, CCSC is a certified life and business coach with ProBrilliance Leadership Institute in Grass Valley, CA. He helps business people gain more confidence and clarity to live their ideal life. He can be reached at coach@probrilliance.com and 530-273-8000