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In the world of credit card processing, it can be overwhelming and hard to find the best processing choices for your business. No matter if you’re searching for a processor for the first time or re-evaluating your current processor, here are some differences in working with a licensed credit card sales office versus broker sales office: Using a licensed sales office: Licensed offices will find you the processing company with best pricing and best point of sale or gateway with unbiased motives. They have the ability to waive unnecessary fees not charged by Visa and Master Card. Using a broker: Brokers find the best deal that pays the broker the most. The mentality is to make the most money so, often times, they search for the deal that favors their wallet and not your business. Using a licensed sales office: A licensed office like Pay it Forward Processing have relationships with over 25 software and gateways companies and will find the best solution for you. (We also integrate with Quickbooks, but who’s counting)? Using a broker: You are stuck with whatever software and gateways the card processor has. Using a licensed sales office: These offices are licensed with Visa and Mastercard which gives PFProcessing access customer service on behalf of Visa and Mastercard. 95% of any issue can be taken care of through the licensed sales office and you will be directed on where you need to go. At PFP, you also get your account officer’s cell phone number! Using a broker: A broker does not have access to direct customer service nor back room information about your account when you have a problem. They would instead have you use the processor’s customer service which is, most time, a 1-800 number with very long wait times. Not sure if you’re with a reputable processor? Here are some questions to ask your current provider: Do I get a personal Account Officer to call or is it just a 1-800 number? What are your typical wait times for that number? What do I do if I have an emergency where I need to speak to someone right away? Do I have a choice to be in a contract? Do I have to pay a minimum usage fee? Do I have a choice of different products that I can use such as Gateway’s, QuickBooks, Mobile Apps etc.? Will it integrate with my current system seamlessly?

Are you allowing your finances to grow or just keep you afloat? We all know the importance of knowing how our money is being used, whether in personal life or in business. How can we begin to use our finances to achieve our dreams and goals as businesses? I had the opportunity to interview Johnston Accountancy to find out just how valuable bookkeeping really can be in utilizing your finances. Bookkeeping is more than just payroll. Bookkeepers organize your financials and help you in the process of making smart decisions within your business. They should be treated as a partner of your company. Ian Johnston, owner of Johnston Accountancy, explains it in a very simple way, “Good financials are the backbone of the company.” Ian had always wanted to be able to work for himself. Previously working in accounts payable he understood the ins and outs of bookkeeping and rubbed shoulders with many business owners, giving him the foundation of success. Once he married the two, he began to see how he was able to help other businesses succeed and achieve their goals. Ian quickly saw how many bookkeeping companies treated their clients and wanted to create an atmosphere of personal relationships versus just having another account. 11 years later, he has grown his company to a team of 8 serving businesses nationwide including Hawaii. Much like Pay it Forward Processing, Johnston Accountancy goes the extra mile in helping their clients. His team makes sure to understand the client’s goals by sitting down with them personally. The combined experience of Ian and his team provides valuable resources for the client through educating them on expenses such as credit card processing and growth projection and creating an intimate relationship between the two parties. As a business, you may be wondering when to hire a bookkeeper. If you know nothing about your financials, if you are looking to grow and need to utilize your time wisely, or if you want to learn where and how your money is being used are great indicators to know it’s time for you to hire someone. Similar to bringing on a partner, first thing is to make sure your goals are in line with each other. If the bookkeeper doesn’t plan on growing, your business won’t grow either. The competence, timeliness on delivery are also huge factors to keep in mind. Finally, the amazing benefits of having an excellent bookkeeper such as Ian Johnston include bringing your business to the next level, being approved for financing easier, and knowing how your money can start working for you instead of you working for your money.

Cash discounts are all the rage as merchants seek to lower payment card acceptance costs. But critics say cash discounts all too often are surcharges in disguise. Few topics last year drew more interest from independent sales organizations and merchant acquirers than cash discounts. Sessions about the pricing strategy were packed at several regional ISO trade shows. And while the number of merchants offering cash discounts isn’t many yet, salespeople in acquiring operations are eagerly peddling the comparatively new service. So what’s ahead for cash discounts in 2019? Supporters predict the tactic will draw more merchants increasingly fed up with paying what they say are high card-acceptance costs, especially for rewards credit cards. George Sarantopoulos, chief exec­utive of Access One Solutions, a Brooklyn, N.Y.-based ATM ISO that also offers a cash-discount program, says one high-end restaurant client that recently signed on is reaping the benefits. “We save this guy $5,000 a month,” Sarantopoulos says. Trouble could be brewing, however, because a growing number of critics say cash discounts are really surcharges in disguise. Cash-discount programs offered by different providers to ISOs vary in their operational details, but information on the Web sites of several discounting programs reviewed by Digital Transactions bears one thing in common: The store or restaurant raises all prices upon starting the program, typically by adding a fee, then gives a discount to cash-paying customers. That would seem to take the actual amount paid back to the original price. “A cash-discount program itself is surcharging in disguise … because nothing is discounted,” says Alex Nouri, president of EFT-Direct, an Ann Arbor, Mich.-based agent. “It all starts with the first step, which is adding the fee. They’re using ‘cash discount’ to not call it ‘surcharge.’” Widespread Confusion Proponents say there nothing inherently wrong with cash discounts, or surcharges for that matter, but any card-accepting merchant employing either tactic must abide by payment card network rules governing their use. State laws also come into play in some cases; seven states still ban surcharging. Meanwhile, confusion about the rules governing cash discounts is so widespread that Visa Inc. in October felt compelled to issue reminder guidance to the acquiring community. Acquirers are charged with enforcing Visa and Mastercard Inc. network rules. “Visa has received an increasing number of questions in relation to discount offers, or what are commonly called ‘cash discounts,’” Visa’s notice says. “While there are many different programs being offered to merchants by their processors or agents, the Visa rules on discount offers should be consulted when considering whether a program of this type would benefit the merchant.” Before Visa issued its notice, the big payment processor First Data Corp. reportedly removed several cash-discount apps from its Clover application marketplace for small and mid-size merchants because they violated the rules. Clover offers a so-called smart terminal that can run various business applications in addition to payment acceptance. The actions by Visa and First Data call into question how long cash discounting will remain the hot new service from ISOs. Strong backers such as Matt Nern, senior vice president of sales and marketing at SignaPay, an Irving, Texas-based ISO that provides the PayLo cash-discount program, predict growth will continue. More than 7,000 merchants have adopted PayLo since its September 2017 introduction, and a number of other ISOs, including Access One Solutions, offer it to their own clientele. PayLo merchants “are applying a unified increase, call it convenience fee, service fee, non-cash adjustment, to all forms of payment, that would apply to all store sales,” according to Nern. ‘You’d Think They’d Look’ For merchants, the economic rationale for cash discounts is obvious: they serve as a buffer against card-acceptance costs. But at first glance, cash-discount programs seem counter-productive for the profitability of ISOs. “If a consumer pays with cash rather than card, ISOs don’t get paid,” notes payments attorney Jill M. Miller, a partner at Varnum LLP in Novi, Mich. But there’s more to it than that, say processing executives. Cash discounts can be positioned as an additional service, something to distinguish the ISO in an industry still trying, despite an infusion of new tech-oriented applications from independent software vendors and the like, to fight price-driven commoditization. Sarantopoulos of Access One Solutions says he works with a number of sub-ISOs across the country. “The ATM market is pretty mature, so a lot of our guys were looking for another product to sell,” he says. SignaPay’s Nern says PayLo “gives you something to talk about,” and “it certainly does create stickiness.” And stickiness, or greater merchant retention, translates into lower operating expenses. SignaPay was expecting to lose some payment card transaction volume when it rolled out PayLo, but that hasn’t happened, according to Nern. Millennials, he notes, love their cards. “We haven’t lost anything out there,” he says. “People aren’t carrying cash.” Yet many ISOs take the opportunity to pad their margins by raising discount rates up to 4% of the sale when they roll out surcharging and cash-discount programs, critics say. Network rules cap credit card surcharges at 4% or the merchant’s processing costs, whichever is lower. But since cash discounts can be applied to both debit and credit card sales, ISOs often raise the merchant’s processing rates for debit, too. Higher rates on card transactions often go unnoticed by small businesses, which are satisfied just to off-load some of their overall card costs. “You’d think they’d look, but they don’t,” says Adil Moussa, principal of Omaha, Neb.-based merchant-acquiring consultancy Adil Consulting LLC. “Very, very few people look and understand what they’re signing.” ‘A Wild, Wild West’ Payment executives agree merchants, and even people in the industry, get confused about cash-discount and surcharging rules. Some of that confusion arises from a changing legal environment. Interest in cash discounting and surcharging has risen partly as a result of various legal actions—including the 2012 settlement of a big credit card interchange case and wording in the 2010 Dodd-Frank Act’s Durbin Amendment—that have loosened old network restrictions on merchants’ freedom regarding what to accept, and at what price. State law also is in flux. As recently as two years ago, 10 states prohibited credit card surcharging, but surcharge bans have fallen recently in California, Texas, and Florida. New York’s ban is under appeal. In its notice, Visa pointed to gas stations, which for years were the most prominent example of the few merchants that offered cash discounts off of prices paid by credit card-using customers. “It is important to note that the discount is taken from the regular price of the fuel, and does not constitute any additional fee or surcharge that is removed when the customer pays with cash or a debit card,” the notice says. Visa then goes on to say that “models that encourage merchants to add a fee on top of the normal price of the items being purchased, then give an immediate discount of that fee at the register if the customer pays with cash or debit card, are NOT [Visa’s emphasis] compliant with the Visa rules and may subject the acquirer to non-compliance action.” That wording would seem to question the permissibility of many existing cash-discount programs. “There’s only one way to do it right: Everything in the store is two prices,” says Moussa. Jonathan Razi, chief executive of CardX LLC, a Chicago-based technology provider that offers a surcharge program to ISOs, calls cash discounts questionable. “The Visa bulletin probably said it best … any time you add a fee, it’s noncompliant,” Razi says. Despite requests, Visa did not make someone available to Digital Transactions to discuss the guidance. And First Data did not reply to requests for comment about the Clover app removals. SignaPay’s Nern says “we’re following all the rules” with PayLo. But when asked what was behind Visa’s recent guidance, he says “there is a lot of confusion. We’ve been a bit of a wild, wild West out there.” Attorney Miller agrees many questions have arisen within the ISO community about cash-discounting and surcharges over the past couple of years. “That topic comes up over and over again,” she says. “ISOs are always looking for a way to add value to their merchants.” ‘The Pain Point’ While there is interest in both pricing strategies, surcharges apparently still are more popular than cash discounts. “None of my clients have asked about cash discounts,” says Miller, whose clients include ISOs, payment gateways, and software providers. “I would say a good 40% of my clients are doing surcharge programs.” The rules about surcharging and cash discounts vary little from network to network, according to Miller and payments executives. While common elements govern both surcharging and cash discounts, the rules have some important differences (box). ISOs whose merchants violate the rules run the risk of having their merchant accounts closed down. Despite all the recent questions, Miller says “compliance really isn’t all that difficult.” Since ISOs often hire tech firms to implement cash-discount or surcharge programs, “it’s important to have a partner that has done the legwork,” Miller says. “Also, they have to be on top of state laws.” The operational tasks include identification of the card in a qualified transaction, proper calculation of the final price, notification in the case of surcharges of an ISO’s merchant-acquirer partner and the card networks, and proper signage, according to CardX’s Razi. “The compliance overhead is so significant—how are merchants going to do this?” Razi says. “That’s the pain point.” ‘Just a Little More Clarity’ In light of all the recent questions, just how much enforcement of the rules can ISOs and merchants expect from their acquirers and, above them, the card networks? The answer depends upon whom you ask. Anecdotal evidence indicates that enforcement so far has been uneven. One speaker at a regional ISO conference in September said some merchant and ISO violators “just get away with it” (“Surcharging and Cash-Discount Programs Continue To Attract ISOs,” October, 2018). “I have never heard or had any client discuss with me … a network or card brand start an investigation,” Miller says. But she adds that “it could just be my clients are coming to me asking for guidance, not for forgiveness,” since as a group they’re inclined to abide by rather than evade the rules. Nouri of EFT-Direct says “I highly doubt Visa is going to do enforcement.” But he adds that “I applaud Visa for putting out the statement.” Razi calls Visa’s notice “a step in the right direction” and believes more enforcement is coming. “As that market grows and grows you are going to see more enforcement from the card brands,” he says. “We are a strong advocate for more enforcement.” Razi argues that surcharges are a more straightforward way of enabling a merchant to reduce its card-acceptance costs than cash discounting. Despite the negative connotation of the word “surcharge” compared with “discount,” a surcharge program can actually grow the card-accepting merchant base by giving low-margin businesses an option for offsetting costs, he says. “We signed more than 3,000 locations this year,” Razi said in early December. Cash-discount backers believe the good programs will survive the heightened scrutiny. “The sky is the limit for all of us,” SignaPay’s Nern says. All that’s needed, he says, is “just a little more clarity” from Visa and Mastercard. Sarantopoulos of Access One Solutions says he has many merchants in New York City who are getting hit by rising rents, a tightening labor market, and higher minimum wages taking effect at the end of 2018 and 2019. Small businesses that brushed off Access One’s cash-discount program six months ago are now highly motivated to defray costs, including card costs, he says, adding, “I would say in the next 30 to 60 days our phone is going to blow up.” A Quick Guide to Surcharging And Cash-Discount Rules Surcharges can be applied only to credit card transactions, but discounts for cash can be offered on would-be credit and debit card sales. Cash discounts are legal in all 50 states. Credit card surcharging is now legal in 43 states and may soon become legal in New York, depending on the outcome of an appeal. Surcharges are limited to the lower of 4% of the sale or the merchant’s processing costs. Merchants wishing to surcharge must give 30 days’ notice to their acquirer and the card brands. A surcharge notice must be placed by the merchant’s front door, at checkout counters, and on receipts. Programs that add a fee to normal prices, then give an immediate discount for cash or debit card payment, do not comply with Visa’s rules.

War changes people. Soldiers go through more in one day than most people face in a lifetime. When they come home, we expect them to be the same person that left, but what happens when they aren’t? Many soldiers come home with brain injuries, PTSD, and many other issues they aren’t prepared to deal with. Shelter to Soldier (STS) has been a light of hope for many vets. Unlike other organizations that help train dogs to be service animals, STS works with the soldier and the animal to make sure they are compatible and healthy for each other at no cost to the vet. STS has been part of ESBCharity for 4 years. We have been able to come alongside STS and watch them grow and impact so many lives. The power of an animal is an amazing thing to watch. On Thursday, March 7, ESBCharity had the opportunity to present their 2018 annual donation check of $4,738.66. Standlee’s and Haute Homes were two of the supporting businesses that attended the event. Everyone had time to talk to some of the soldiers that had gone through the STS program, meet some of the dogs, and see the vision STS has for the future. Our 2019 goals for STS; to sponsor at least 1 dog at the cost of $15,000. With this donation, Shelter to Soldier can focus their time and funds on helping more lives and restoring families. If you or someone you know is struggling to find their new normal after coming home from the military and don’t know where to turn, please reach out to Shelter to Soldier. Website: https://www.sheltertosoldier.org or Call: 855-287-8659

Cheryl has always been passionate about baking so when the opportunity to purchase a cake, candy, and cookie supply store presented itself, she couldn’t resist. Standlee’s has been a staple in Chula Vista for the past 60 years and Cheryl has had the pleasure in owning and running it for the past 14 years. Cheryl has seen a plethora of customers, business owners, and chefs in her time running Standlee’s. Still to this day her favorite thing about her work is meeting new people with some of them turning into loyal customers and friends. “There is nothing better than seeing the excitement from children as they come in to make their very first cake.” Much like every other business, it isn’t always sugar and frosting. As the appeal of shopping online tends to grow more and more, Cheryl finds it difficult to compete, but has faith in the continuous customers that still choose come in to her shop and buy from small businesses. Processing with Pay it Forward allows her to cut back some costs of credit card processing while allowing her to support Shelter to Soldier through Every Swipe Benefits Charity at no extra cost to her business. When Cheryl isn’t running the only supply shop specializing in baking and decorating supplies in the San Diego County, you can find her exploring new places or helping the nonprofits she is passionate about. Cheryl may seem like a super woman, but she still has to wake up every morning just like the rest of us. Her morning routine consist of catching up on what is happening around the world by watching the news. Even though Standlee’s is a decorating supply store, they also provide cooking classes and demonstrations. They will help you be the next Gordon Ramsey if your heart desires. Supporting small businesses is the greatest compliment a business can have. If you are in need of some tools to help you create sugary goodness, then check out Standlee’s. You won’t be disappointed.

Like Hollywood actors, sales professionals put themselves and their companies on the line with every word, taking a risk in the hope of a favorable outcome. Just like actors, even the best, most experienced sales professional benefits from some scrip review, rehearsal, and coaching. Here are the 11 most common mistakes that I see on the sales stage and what you can do to avoid them: Unclear Thinking. Want clarity? Imagine that a busy executive says, “You have exactly ten minutes to tell me what you want me to know about your company.” At any stage of the sales process, you should know in advance what your prospect is really asking. The real question is, “What do I need to know about how your company can improve our company? Will your product or service solve a problem, create new opportunities, or increase market share?” At this point, the executive is more interested in his company that he is in yours. Accomplish this, and you have the opportunity to present your options more formally. Talking Too Much. The key to connecting with a client is conversation and asking questions. The quality of client information received depends on the quality of your questions, as well as waiting for and listening to the answers! A successful encounter early in the sales process should probably consist mostly of open-ended questions- the kind that require essay answers rather than just yes or no. And never rush on with preprogrammed questions that indicate you have paid no attention to the answer you just received! You job to work closely with the team or champion who will give you information. Do your research so your questions about their company are well thought out. Do not be afraid to go deeper. If they want to increase sales, ask, “By how much?” “In the same market or expanding a new one?” “Do they want to improve morale?” Ask, “What are the signs that make this a priority?” “What have you done before?” “How great a success has it been?” Will they be upgrading technology? Ask, “How long have you been investigating options?” You need to determine are they interested or desperate? Wrong Structure. To keep a prospect or senior leadership interested, you have to prove this premise: “Your company’s condition will be dramatically improved with you do business with us.” You talking points and presentation structure will be better received if they are not structured around your company. The “This is who we are, what we do, our unique methodology, and who we do business with” conversation or presentation outline is not likely to get you very far. Use all the information you received from questions to help them know you were listening. Structure the conversation or presentation around their interests, challenges, or opportunities. Put as many of their words as possible into your presentation. Your prospects will not disagree with themselves. You, you will be talking about your company, your satisfied clients, and what is unique about you as a way to prove that you can appeal to what they are interested in, solve their challenges, and maximize their opportunities. No Memorable Stories. People rarely remember your exact words. Instead, they remember the mental images your words inspire. Support your key points with vivid, relevant, client success stories. Help them see a movie in their minds by using your satisfied clients as memorable characters. What was their starting situation? Their problem and one your prospect can relate to? How are their results since you worked with them? The best stories are third-party endorsements that have your clients using much more glowing statements than you could if the words were your own. Endorsement stories should be like a good Hollywood movie: memorable characters that your prospects can identify with, vivid dialogue, and a dramatic lesson about the benefits of doing business with you. When telling those client stories, give them a back story, add drama, and use actual dialogue that has been edited. Director Alfred Hitchcock said, “A movie is like life with all the dull parts left out.” “When the Vice President of Sales called, he said, “Help. We heard you are the right person (or company) to help us solve…” Always use the client’s words. What we did was… Here you insert the solution or methodology your prospect is most likely interested in. This can be delivered in your own words. The success is also presented in the prospect’s words. “IF John were here, he would say, “We would not have believed it possible that we could have… You can’t go wrong choosing this company.” No Emotional Connection. Your customer or client justifies doing business with you for analytical reasons: what gives you the edge- what I like to call the “unfair advantage’- is creating an emotional connection. Build this emotional connections by incorporating stories with characters that they can relate to, using the word you as often as possible and talking from their point of view. Make it obvious that you are their advocate. Congratulate them on their success. Thank them, not for their time, but for the opportunity to present your solution. Don’t say, “I will talk about”; instead say, “What you will hear is…” As you put together each segment of your presentation, ask yourself, “Why would they care about this?” If they wouldn’t, leave it out, or reward it so that they will. Remember, as they listen, their unspoken question is, “What’s in this for us?” Logic makes us think; emotion makes us act. Wrong Level of Abstraction. Get on the same wavelength with your prospects. For first contacts with executives, describe what your company can do for them from a big picture view – a high level of abstraction. Be able to change to go deeper if their questions lead you there. With middle managers, discuss exactly how you can work together – a medium level of abstraction. If you are dealing with IT professionals, use the lowest level of abstraction: plenty of data, facts, and figures. In other words, speak in the same language, or bring an associate who can. Maximize each meeting. No Pauses. Good music and good communication both contain changes of pace and pauses. As counter intuitive as it may seem, you actually connect on the silence. This is when your audience, even if it is one person, digests and reflects on what they have heard. If you rush on at full speed to squeeze in as much information as possible, chances are your prospects will remember less. Remember the rule, “Say less, say it well.” Give your clients enough time to ask a question or reflect. Pauses allow pondering and understanding. Hmmm, Err, Ah, You Know, So, Right. Non-words and low quality words usually fill the space where there needs to be silence. How often have you heard a presenter begin each new thought with “Now!” or “Um” or “So” as they scan notes or figure out what comes next. Rehearse in front of your sales manager or colleagues, giving them permission to call out whenever you hem or haw. Video and audio-record yourself, and note any digressions. You will never fix problems you are unaware of. Weak Opening. Engage your audience with a powerful, relevant opening that includes them. For example, “You have an awesome responsibility,” or “Congratulations on your company’s recent success.” Then focus on their needs: increasing sales, reducing errors, cutting overhead, expanding their market, increasing their digital footprint, or perfecting their sales presentations, whatever your product can help your prospect do. Do not thank them for their time. Thank them for the opportunity to discuss how you could well be the option they are looking for. Weak Closing. After you have reviewed your key ideas, answered their questions, made your suggestion for the next logical step, and thanked them for the opportunity, it is time to make your last words linger. For your concluding thought, pick a strong, positive sentence that you absolutely want embedded in their minds. Just like the P.S. in a sales letter, you do not want to introduce a new idea. This will be a reinforcement of one of your main advantages or benefits; e.g., “Remember, 157 profitable quarters,” or “99% of the Fortune 100 do business with us,” or “We are large enough to satisfy all your requirements and small enough that you will be a valued client.” Lack of Specificity. Specificity builds your credibility and helps position you above your competition. What is the number one crime against your credibility? It’s a single, suddenly-popular buzzword that reminds me of fingernails screeching on a blackboard every time I hear it: stuff. It means debris, and your products are not. However, let’s look at the others. Thing is not much better than debris. Are there three things that will make you successful? Or is it three strategies, techniques, habits, ideas, philosophies, or action steps? How about tons and bunches? Can you really get a ton of ideas? Do you leave the trade show with bunches of business cards? More likely it is three dozen. You can’t tell a prospect, “With our program, you will really grow your business.” Instead “There are no guarantees; however, our last three clients increased sales an average of 32% in seven months.” Avoid these, and you’re on your way to becoming a star of the sales world, delivering a dazzling performance every time.

Andrea has been part of the Pay it Forward family since 2013. Her problem solving personality compliments her role as our office staff flawlessly. Not only does she help solve issues our account officers and merchants experience, but she also goes out of her way to help solve problems friends and family experience. During this pandemic, Andrea is going out of her way to help those around her. She has sewn masks for people to wear and is collecting canned goods for local shelters. She continues to help support our merchants and staff as well. When the world isn’t falling apart, Andrea enjoys traveling to visit family, long walks on the beautiful coast, and traveling up to Joshua Tree. She is an intricate part of our team and we appreciate everything she does in and out of the office. When you talk to her make sure to tell her how much she is appreciated.

One of the best feelings is watching your ideas become reality. That is exactly what Ryan Stevens and his team at Replica Printing does and has been doing for 20 years. From businesses to charity events to community support make them so much more than just another printing company. Small businesses have always been their lifeblood. Through the years, Replica Printing has mastered the skills of crisis management of print. One of the last things businesses think about is their print marketing. That is where Ryan and his team step in. No job is too big or too small. When asked what their craziest job had been he replied with a chuckle, “A large mailing job in 2006. We had 30,000 different pieces to print that came out to about 4 million prints. Our team rallied together working 24/7 for 2 weeks to finish on time.” They understand that supporting each other in the community is the best way to get ahead. This past year, Replica Printing gave back $2500 to businesses that needed help during the 2020 shut down. They continue to support local charities such as Gently Hugged and B.I.A.N.C.A. Ryan loves the fact they financially support charities without extra cost to Replica Printing through their credit card processing. “Pay it Forward Processing has removed the unknown of the industry, set a new level of customer service, and helps us feel great knowing we give back through their Every Swipe Benefits Charity program.” This year Replica Printing is celebrating their 20th year anniversary! They look forward to helping as many businesses as possible as they begin to reopen. To learn more about Replica Printing, visit their website: www.replicaprinting.com or email: orders@replicaprinting.com

Edit exactly how your blog looks on your website from the Settings panel. Wix Blogs lets you hide or display the author name and picture, date and reading time, views, comments and likes counter. Toggle between the options and view your changes in real time. If your blog is connected to a Members Area, you’ll want to make sure the Login button is visible to users. To send automatic email notifications to subscribers every time there’s a post, turn on the email notification option on your Settings panel. Start managing your blog posts from your dashboard by clicking on Manage Posts. From the Dashboard, you can create, edit and delete posts and update your SEO settings. You can also duplicate or draft posts, turn off commenting, or delete a post altogether by clicking (...) on each blog post. Once you’re happy with your blog, make sure to publish your posts from the Dashboard and go live with your site by clicking Publish.

To edit the way your blog feed looks on your site, hover over your blog feed and click on Design. Here, you can pick from different layouts. If you add a blog feed section to a different page on your website, you can pick a design that’s different from your main blog page. Edit what info and details your blog feed displays by clicking on Settings (look for the 3 dot icon). From the Settings panel, Wix Blog lets you hide or display the author name and picture, date and reading time, views, comments and likes counter. Toggle between the options and view your changes in real time. If your blog is connected to a Members Area, you’ll want to make sure the Login button is visible to users. To send automatic email notifications to blog subscribers every time there’s a new post, turn on the email notification option on your Settings panel. Start managing your blog posts by clicking on Manage Posts once you’re happy with your blog settings.

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