Your personal merchant concierge.

Lowering card processing fees requires understanding the factors that affect them. Here are some tips: 1. **Choose the right payment processor**: Compare fees among different processors to find the best rates for your business. 2. **Negotiate with your current processor**: If you're already working with a processor, ask if they can offer a better rate or a custom plan. 3. **Optimize your payment flow**: Minimize the number of transactions and reduce the average ticket size to lower fees. 4. **Consider a flat-rate processor**: Some processors offer flat rates per transaction, which can be more predictable than tiered pricing. 5. **Request a specialist**: If you need personalized advice or help with negotiations, fill out the "Request a specialist" form on this page. What type of business do you have, and what's your current payment processing setup?

As a merchant concierge, I'd recommend the following POS systems for small shops: 1. **Square**: Easy to use, affordable, and integrates with online sales. It's a great option for small businesses with basic needs. 2. **Shopify POS**: A popular choice for e-commerce businesses, it offers a seamless online-offline experience. 3. **Clover**: A user-friendly POS system with features like inventory management and employee tracking. When choosing a POS system, consider factors like: * Ease of use * Integration with your existing systems * Fees and pricing * Customer support To get a more tailored recommendation, I suggest using the "Request a specialist" form on this page. A merchant concierge can help you find the best POS system for your specific needs. What's the primary function of your small shop (e.g., retail, food service, service-based)?

A chargeback is a reversal of a transaction by the customer's bank or credit card issuer, usually due to a dispute over the purchase. It's a way for customers to get their money back if they're unhappy with a transaction. To win a chargeback, you'll need to prove that the transaction was legitimate and that you provided the customer with what they paid for. Here are some steps to consider: 1. **Respond promptly**: Respond to the chargeback notification as soon as possible to provide evidence and resolve the issue. 2. **Gather evidence**: Collect any relevant documentation, such as receipts, invoices, or communication records, to support your case. 3. **Understand the reason**: Determine why the customer is disputing the transaction and address their concerns. 4. **Work with your payment processor**: Your payment processor may be able to help you resolve the chargeback or provide guidance on the process. If you're dealing with a chargeback, I recommend working with a specialist who can help you navigate the process. You can fill out the "Request a specialist" form on this page to get connected with a professional who can assist you. Next step: What type of transaction is being disputed, and have you already responded to the chargeback notification?