B2B Vault: The Biz To Biz Podcast

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#podcast #business #podcasting

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#biztobiz #podcasting #crazystory

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In today's podcast, Justin and Allen speak about the importance of building credit and talk about how to build credit to help your business efforts.

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In today's podcast, Justin and Allen speak about why people fail and give up on selling goods, products, and services!

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In today's podcast, Justin and Allen speak about the dumbest startup ideas for apps that they ever heard. Leave a crazy app that you heard/saw in the comments below!

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In today's podcast, Justin and Allen speak about why affiliate marketing can be a huge waste of time, money, and effort.

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In today's podcast, Allen and Justin speaks about the payment trends of March!

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In today's podcast, Justin and Allen speaks about what social media platform you should be using to better your business!

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In today's podcast, Allen speaks about his experience at the Alternative Product Expo!

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In today's podcast, Allen and Justin speak about sales platforms and if they're useful for your business.

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In today's podcast, Allen and Justin discuss trade shows and if they are losing value. #business #podcast #google

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In today's podcast, Justin and Allen discuss the similarities between dating and doing business! Have you had an experience similar to Allen's? Let us know in the comments!

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Get ready for a rollercoaster of insights in today's podcast! Join Justin and Allen, as they dive headfirst into the vibrant world of entrepreneurship with none other than the mastermind behind Tilled, the one and only Caleb Avery!

We ask Caleb about his journey on getting Tilled, Payfac-as-a-service to where it's at now!  

Get your popcorn ready, because this episode is about to turn your mundane moments into a front-row seat at the most entertaining business conversation of the century! 🍿✨ #merchantservices

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In today's podcast, Justin and Allen speak about the new payment trends for February 2024!

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In today's podcast, Justin and Allen speak about their pet peeves as a business owner!

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In today's podcast, Justin and Allen give out their own personal tips for business owners! Listen up!

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In today's podcast, Allen and Justin talk about the main keys to being successful in 2024!

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In today's podcast, Allen and Justin speak on how to improve your productivity alongside improving it for your business!

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In today's podcast, Allen and Justin speak about AI in 2024!

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In today's Podcast, Justin and Allen speak about the subscription economy!  

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In today's podcast, Justin and Allen speak about the importance of leads and how to create leads to increase your business profit!

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In today's podcast, Justin and Allen go over their predictions for 2024.

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2023 was a crazy year! In today's podcast, Justin and Allen speak about the craziness that went on this year! From the Seagate to Elon Musk and Mark Zuckerberg having a cage match!

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As we approach 2024, the possibilities are endless. In this podcast episode, Justin and Allen talk about the skills they would like to learn and skills that they would like to improve for 2024.

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Dive into this week's headlines with us! McDonald's unveils a new fast food chain, Amazon shakes up payments, and an incredible sneaker find worth $10k in a donation bin! Don't miss the laughs and insights.

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In today's podcast, Justin and Allen speak about Elon Musk and the mess he has got himself into. How do you feel about Elon Musk and his latest antics?

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In today's podcast, Justin and Allen speak about Spotify laying off 17% of its staff. Bitcoin is the highest it has been in 5 years. Along with a huge mistake, a restaurant made by using a QR code.

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Justin and Allen go over the payment trends for November 2023. #fintech #fintechfriday #paymentprocessing

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With 2024 approaching, Justin and Allen speak about businesses they would start in 2024. What business would you be starting in 2024?

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Happy Thanksgiving from the Biz to Biz Podcast Boyz!

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Sorry about the title mix up last week. Here's the AI episode. Our last episode was titled wrong and we covered value propositions.

In today's podcast, Justin and Allen speak about the future of humans and AI! 

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Welcome to another insightful episode of Biz To Biz, the podcast where we unravel the secrets to success in the business world! In today's episode, we're diving deep into the heart of every successful business strategy - the Value Proposition.

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In today's podcast, Allen and Justin speak about protecting yourself from fraud this holiday season. Listen and learn effective strategies to safeguard yourself from fraudulent activities and scams with these crucial tips and insights!

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Who would believe that this is our 200th episode of B2BVault: The Biz to Biz Podcast?! In today's podcast, Justin and Allen talk about their struggles of running a podcast and how far they have come from Day 1.

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In today's podcast, Justin and Allen dive into the intricacies of October's payment trends. Unraveling the latest shifts and developments in the global economy!

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Being put on the "match list" is never good! Justin and Allen review possible reasons why you have been "match listed" by Stripe.

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Have you recently been cut off by Stripe and have no clue why? Well, Justin and Allen explain possible reasons why you and your business have been removed.

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In today's podcast, Justin and Allen discuss the key strategies for laser-focused audience targeting that will transform your online presence. #audiencetargeting  #digitalmarketing

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In today's podcast, Allen and Justin talk about whether a shy person can be a salesperson and what it takes to become a salesperson for your business.

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196 EP.mp3

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Congress – Senate Committee voted to advance a cannabis bill – The Secure and Fair Enforcement Regulation Banking Act – SAFER Bill –

Now this bill moves to the Senate Floor

House committees have voted on Safe Banking Act – and was never given a vote on the house floor.

This announcement had some cannabis stocks rise 1-3%

Next this has to go to the Senate Floor and Pass – then the house and pass and then would go to the white house for Biden to sign.

There have been other bills – safe banking and others – and none went to a vote on the floor.

Durbin and the Credit Card Competition Act –

MasterCard finally spoke up and sent a letter to Senators and Representatives.

Electronic Payments coalition – has been in the battle – with Keep your hands off our rewards and getting consumers and businesses to oppose the CCCA –

Visa and Mastercard both spoke Wednesday on the Senate Floor.

This bill makes no sense – Durbin has had since 2010 to get a 3rd network and no business has stepped up to be the 3rd network – this action failed in Europe and Australia

The result of passing credit card caps on interchange had done away with rewards, cash back etc in Canada, EU and Australia

Now in Canada most people pay with Debit – same In EU and AU –

Credit cards are impossible to get – and buy now pay later was born in Austraiia as a word around to the public having the lack of credit card options

In the EU – there are a few companies that offer buy now pay later to help businesses – because of the lack of credit there as well.

Square had an outage that lasted almost 2 days

Jack Dorsey is taking the company back over – and restructuring sales

And adding more services to the Square – Block offering

They want to focus on larger clients – the issue they will face is that there will be margin compression

Because larger companies will want cost plus pricing not the usual pricing from Square –

X is trying to be a payment app – Elon Musk going out and getting money service license in a few states in preparation for this – paypal like service

Chase Bank – Banning Crypt payments in EU and its rumored to be coming to the usa as well

Binance shut down it’s crypto payment services

FTC going after Amazon – saying they have a monopoly on how people pay during checkout.

Amazon is going to fight this -

Paze a service by Zelle to help make e-commerce payments more secure – by using texts to confirm the card holder has delayed the launch until 2024 – maybe quarter 2

Welcome to our channel! In this video, we'll show you the keys to building lasting loyalty in your business. Whether you're a seasoned entrepreneur or just starting, these strategies will help you create a devoted customer base.

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Join us for a relaxed discussion on managing fixed expenses in your business.

📈 In this video, we'll share some laid-back tips and tricks to help you cut costs without breaking a sweat. From understanding fixed vs. variable expenses to easy negotiation strategies, we've got your back.

Whether you're a startup or a seasoned pro, these insights will help you navigate the financial waters effortlessly. Take a breather and dive in!

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#BusinessExpenses #FinancialManagement #ChillBusinessTips

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Welcome to the Biz to Biz Podcast with your hosts, Justin and Allen! In this playful episode, we're diving headfirst into "The Future of Work." 🚀 Join us for a lighthearted exploration of what the workplace of tomorrow might look like, filled with laughs, banter, and futuristic fun. Hit that play button, like, subscribe, and let's get into it! Thanks for watching! Go ahead and like, comment, subscribe and turn on post notifications! Follow Us On These Social Media Platforms 👇 IG: https://www.instagram.com/b2bvault/ Twitter (X) : https://twitter.com/b2bvault LinkedIn: https://www.linkedin.com/showcase/b2b... Facebook: https://www.facebook.com/b2bvault/ Tiktok: https://www.tiktok.com/@b2bvault Wanna chat with us? Message us Twitter (X) 🐣 @jrowings @allenkopelman

In today's podcast, Justin and Allen speaks about why and why not the customer is "always right." Thanks for watching! Go ahead and like, comment, subscribe and turn on post notifications! Follow Us On These Social Media Platforms 👇 IG: https://www.instagram.com/b2bvault/ Twitter (X) : https://twitter.com/b2bvault LinkedIn: https://www.linkedin.com/showcase/b2b-vault-the-payment-technology-podcast Facebook: https://www.facebook.com/b2bvault/ Tiktok: https://www.tiktok.com/@b2bvault Wanna chat with us? Message us Twitter (X) 🐣 @jrowings @allenkopelman

In today's podcast, Allen & Justin discuss the five common mistakes startups make when choosing a merchant service provider.

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In today's podcast, Allen and Justin speak about what's going on in the business world of banking! Make sure to tune in! You might learn something new! Thanks for watching! Go ahead and like, comment, subscribe and turn on post notifications! Follow Us On These Social Media Platforms 👇 IG: https://www.instagram.com/b2bvault/ Twitter (X) : https://twitter.com/b2bvault LinkedIn: https://www.linkedin.com/showcase/b2b-vault-the-payment-technology-podcast Facebook: https://www.facebook.com/b2bvault/ Tiktok: https://www.tiktok.com/@b2bvault Wanna chat with us? Message us Twitter (X) 🐣 @jrowings @allenkopelman

In today's podcast, Justin and Allen discuss the payment trends of August 2023.

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Scammers are everywhere! In today's episode, Justin and Allen speaks about the ways scammers are taking people information and ways you can protect yourself from scammers.

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DO YOU KNOW YOUR DATA?! Justin and Allen go over the importance of knowing your data! Thanks for watching! Go ahead and like, comment, subscribe and turn on post notifications! Follow Us On These Social Media Platforms 👇 IG: https://www.instagram.com/b2bvault/ Twitter (X) : https://twitter.com/b2bvault LinkedIn: https://www.linkedin.com/showcase/b2b... Facebook: https://www.facebook.com/b2bvault/ Tiktok: https://www.tiktok.com/@b2bvault Do you want to chat with us? Message us Twitter (X) 🐣 @jrowings @allenkopelman

In today's podcast, Justin and Allen recap their experience of the BBB Event. They also discuss "Influencer Marketing" and whether your business should do it! Thanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications! Follow Us On These Social Media Platforms 👇 IG: https://www.instagram.com/b2bvault/ Twitter (X) : https://twitter.com/b2bvault LinkedIn: https://www.linkedin.com/showcase/b2b... Facebook: https://www.facebook.com/b2bvault/ Tiktok: https://www.tiktok.com/@b2bvault Wanna chat with us? Message us Twitter (X) 🐣 @jrowings @allenkopelman

In today's podcast, Justin and Allen speak about the cannabis business. Thanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications! Follow Us On These Social Media Platforms 👇 IG: https://www.instagram.com/b2bvault/ Twitter (X) : https://twitter.com/b2bvault LinkedIn: https://www.linkedin.com/showcase/b2b-vault-the-payment-technology-podcast Facebook: https://www.facebook.com/b2bvault/ Tiktok: https://www.tiktok.com/@b2bvault Wanna chat with us? Message us Twitter (X) 🐣 @jrowings @allenkopelman

ITS GOING DOWN! ELON MUSK VS MARK ZUCKERBERG.

Who do you think will win? We got our money on Mark! Along with that crazy info, we also discussed some more events happening in the social media world. Thanks for watching! Go ahead and like, comment, subscribe and turn on post notifications! Follow Us On These Social Media Platforms 👇 IG: https://www.instagram.com/b2bvault/ Twitter (X) : https://twitter.com/b2bvault LinkedIn: https://www.linkedin.com/showcase/b2b... Facebook: https://www.facebook.com/b2bvault/ TikTok: https://www.tiktok.com/@b2bvault Wanna chat with us? Message us Twitter (X) 🐣 @jrowings @allenkopelman

In today's episode of Biz to Biz, Justin, and Allen talk about the new payment trends. Also, they discuss topics like OnlyFans for smoke shops and b2b tips to help your business grow. Thanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications! Follow Us On These Social Media Platforms 👇 IG: https://www.instagram.com/b2bvault/ Twitter (X) : https://twitter.com/b2bvault LinkedIn: https://www.linkedin.com/showcase/b2b... Facebook: https://www.facebook.com/b2bvault/ Tiktok: https://www.tiktok.com/@b2bvault Wanna chat with us? Message us Twitter (X) 🐣 @jrowings @allenkopelman

In today's Podcast, Justin and Allen speak on the importance of having a balance between work and life. We want you to leave some comments below on what you do to separate your work from your life! Follow Us On All Social Media Platforms @B2BVault

Do you believe companies are using psychology techniques in their marketing plans to drive more sales? Let us know in the comment section below! Thanks for watching and remember to like, comment, subscribe and hit the bell never to miss another upload from B2B Vault! Follow on all social media platforms @B2BVault

In todays episode Allen and Justin discuss the chaos taking place within the FinTech world as of today! lawsuits, the government having no idea what they are doing in regards to the credit card competiton act of 2023, Chipotle to use robots to make quac, Dominos using UberEats, Bank of america fined $250 Million!, Phishing attacks, paying from inside your car, FedNow, and much more. Justin even chimes in with a bit of news from the digital marketing side of things. He talks about the big update to Google Analytics known as GA4, and he asks Allen what he thinks of the new social media app #threads.

In today's episode of B2B Vault Allen & Justin well Allen talks and Justin sits there listening to him throw shots at #dickdurbin and the #usgovernment! The Credit Card Competition Act is a game-changer in the financial industry and in all seriousness shouldn't be taken lightly! Every small business owner should be paying attention to the implications of this act that could shape their financial future. #CreditCardCompetitionAct #smallbiz #smallbusiness #dickdurbin

In this episode of B2B Vault, Allen and Justin discuss their 4gth of July and how much Justin hates fireworks. They talk about the Buffalo Wild Wings Lawsuit, Toast POS adding a fee for pickup orders on top of their monthly fee, Starbucks' POS system going down, and were forced to talk cash.

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Welcome back to another exciting episode of B2B Vault: The Payment Technology Podcast. In today's thought-provoking discussion, we dive deep into the topic that has been buzzing around the internet lately: "Are P2P Apps Fueling The Drug Trade?" It's Episode 172, and we're about to uncover some fascinating insights!

In this eye-opening episode, we explore the impact of peer-to-peer (P2P) applications on the drug trade. From the convenience they offer to the potential risks, we'll unravel the intricate relationship between P2P apps and the drug market. Brace yourselves as we embark on a journey through the digital underworld!

But first, let's address the elephant in the room. Are you curious to know whether P2P apps are inadvertently contributing to the rise of the drug trade? Well, look no further because we've got all the answers for you! We'll be examining the role of these apps, shedding light on the challenges they pose, and discussing potential solutions to mitigate their negative effects.

Throughout the episode, we'll take a comprehensive look at how P2P apps have revolutionized the way transactions occur. With their ease of use and widespread adoption, these apps have undoubtedly transformed the business landscape. However, we must not turn a blind eye to the potential consequences they might bring.

By the end of this episode, you'll have a well-rounded understanding of the intricate relationship between P2P apps and the drug trade. We'll discuss the importance of striking a balance between innovation and security, emphasizing the role of collective responsibility in shaping a safer digital future. So, grab your favorite snack, sit back, and prepare to have your mind opened to the complexities of the digital age. Don't miss out on this thought-provoking episode of B2B Vault, as we unravel the question: "Are P2P Apps Fueling The Drug Trade?" Stay tuned for an engaging and insightful discussion that'll leave you pondering long after the episode ends!

#B2BVault #P2PApps #DrugTrade #DigitalAge #InnovationAndSecurity

The Future of In-Store Transactions Payment Trends for Retailers and Restaurants. How has paying in person changed over the last few years. More customers use Apple Pay, Google Pay, other apps, and tap-and-go cards. Contactless payments took off with Covid Scan a QR code and pay Text to pay The next big thing is going to be Kiosks What is driving this? Big companies are doing it and paving the way Customers like the self-service option - yes or no Labor Shortage Trained Staff Place your order and pay on a kiosk How do you think this will go over – Restaurants – Retail Is This an added convenience? Order your Food from a QR Code? Good or Bad? Or would you prefer a kiosk style solution? Robots doing stuff in businesses? Will the price of labor make this a thing or will it be a Fad? Tell us what you think – comment ---- on line and let us know Social Media Links: 📱 Follow us on Twitter for real-time updates and engaging discussions: https://twitter.com/b2bvault 💻 Connect with us on LinkedIn for industry insights and professional networking: https://www.linkedin.com/showcase/b2b-vault-the-payment-technology-podcast/ 📷 Check out our Instagram for captivating visuals and behind-the-scenes moments: https://www.instagram.com/b2bvault/ 👍 If you found this video informative and thought-provoking, please give it a thumbs up, subscribe to our channel, and hit the notification bell so you never miss an update! 🛎️

Demystifying Payment Processing 101

Gateway vs. Merchant account

What is a gateway?

Popular – gateways – but there are many now - Auth.net – NMI

What is a merchant account?

Understanding the difference is crucial for businesses.

A payment gateway acts as a virtual terminal, sending transaction data between the customer, the business, and the payment processor.

Uses – virtual terminal - text – email requests, invoicing, e-commerce.

A merchant account is a “bank account” that allows businesses to accept credit cards,ach, and other electronic payments from customers, and then that money goes into the business operating account.

Choosing the right gateway and merchant account will ensure smooth – secure – payment processing.

Also, setting up your security settings, velocity settings on your VT -

In today’s digital age – understanding how you can get a customized solution for your business is of the utmost importance –

Today – everyone is looking for a bespoke – custom – payment platform to do everything they need to do.

So how do you choose your technology?

Then you need a merchant provider that works with your business type.

SEAA 2023

Southeast Acquirers Association, Incorporated, is a non-membership, 501(c)(6) trade association.  SEAA was formed in 2000 and produced the first SEAA Annual Conference in 2001.  Since then, SEAA has hosted thousands of industry professionals and presented hundreds of hours of education networking with the top vendors in electronic payments.

Sunday night: We had some nice entertainment at the hotel – got to meet up with many old friends at the event every year.

Shoutouts – Dale Laszing from the GreenSheet, John Shipley, Jamie Garfield, John McCormick, Sonny Wooten, and the rest of the board members of the SEAA!

Monday: Demo day and in meetings, we looked at some new technology and software and met with and possibly new vendors.

New and exciting technologies always appear on the scene; we take our time to evaluate each one and then do a test before we get knee-deep into something.

The exhibit hall has over 130 vendors – to speak with, network, and have food, drinks, coffee, and snacks.

A lot of talk about Self-Serve Kiosks, Robots for restaurants, and electronic signage where business owners can make a monthly income from that. – Everyone is talking about cash discount and merchants paying 0%.

On Tuesday: We had the keynote speaker, and there was a tribute to Derek Vowels, who recently passed away – he was president of the SEAA for several years, and Derek and I worked together as he was employed by a few vendors that we work with.

The main speaker was Mark Walberg – many people thought it was the other Mark Wahlberg – the famous actor and he really played it off with pictures.

Marks’ story was quite interesting – currently, he is the host of the show Temptation Island – one of my favorite reality TV shows – after a busy day nothing like watching a show that is entertaining with dating drama –

Mark's talk was about how he was able to connect with people, and that has been part of his success.

He spoke about Quitting:

Q - Quit – Get quiet and label your feelings

U – Unplug – from that feeling for 10 minutes

I – Instead - do anything that brings you joy

T -Trust – that you’ll forget to go back and worry

He also talks about service – we are in a service industry

We are the best version of ourselves when we are IN SERVICE TO OTHERS

At Nationwide Payment Systems – we are here to Serve our Clients/Merchants!

Then he spoke about making presentations:

Set an intention of service Listen deeply and respond Call out the elephant – as he did with he is the other Mark Wahlberg Choose to be passionate – about what you do!

It was cool to meet Mark, speak with him and his wife later in the day at the cocktail hour, and share a laugh about all the reality tv shows – I recorded the show's first episode already.

Later that day, we attended – lunch sponsored by American Express – shout out for having vegetarian options –

We attended several breakout sessions – they were talking about software and referral partnership, and the last one was about Banking as a Service – which we are exploring because this is a service that merchants are definitely leaning towards.

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Subscriptions, Recurring billing, and Memberships get a gut punch from the FTC.

The FTC – Federal Trade Commission has proposed a requirement for having a “click to cancel” button available on websites.

Making it as easy to cancel as it was to sign up in the first place.

Visa and MasterCard issued a rule – mandate on this back in 2020 – and went into effect in June 2022.

Here is how it affects businesses:

If you do NOT have a cancellation button on your site – cardholders can charge back up to 3 payments usually – the cardholder’s bank – card issuer will automatically do this. Now merchants can fight that if they can prove the customer did use the services and has proof and only lose 1 chargeback.

If you have a cancel button – then it's limited to one chargeback.

What can and what should merchants do?

Have a cancel button.

Enroll in RDR – rapid dispute resolution – cuts down on chargebacks.

Cancel customers who are not logging in at least once each month or send them an email.

Businesses will complain about this as they are losing revenue – but if the FTC rule kicks in – they could get hit with a ton of fines for not complying.

In 2020, a new Visa mandate went into effect that changed the rules of subscriptions. Merchants must allow customers to cancel online, notify them before each payment is processed, and link to the cancellation page in these notifications.

Full coverage of this mandate can be found here, but here are the key points:

Merchants must provide a digital receipt when a customer enrolls that includes the agreement terms, timeline, and amounts for future payments.

Customers must be able to cancel their subscriptions online, even if they didn't enroll online.

The billing descriptor for recurring charges must clearly indicate the merchant and what the charge is for.

The customer must be notified by email or text message at least 7 days before a free trial period ends, and this notification must include a link to the cancellation page.

Mastercard created changes to its rules with largely similar requirements. The last of these changes, which implements the rule about informing new customers about the timeline and amount of future payments, will go into effect on June 9th, 2022.

Visa Trial and Subscription Mandate Explained:

Visa Subscription Mandate provides rules for enhanced transaction disclosure, consumer cancellation options, dispute rights, and participation monitoring.

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What is going on at PayPal, Stripe, and Square?

So there is a buzz about the following.

All 3 companies have a new policy

Processing fees will no longer be refunded to your account when you issue a full or partial refund to your customers.

They are all doing this to match industry standards.

What is the industry standard?

If you are using a Payfac – like PayPal – stripe – square etc. – they are a payment facilitator, and they are the merchant of record – you do NOT have a merchant account.

When you process a transaction it is authorized and settled.

If you have a merchant account:

Transactions are authorized and settled – ONCE DAILY

So if you make an error – charge someone $100 instead of $10 – you can void the transaction.

Or a customer pays an invoice and overpays by mistake, uses the wrong card, or cancels an order from your website – you could VOID that transaction because it is in the same batch.

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Welcome back, YouTube fam! Today, we have an exciting video lined up for you, diving into the intricate world of payment processing for startups. Whether you're an aspiring entrepreneur or a seasoned business owner, understanding how payment processing works can be the difference between success and failure. So, grab your notepads and get ready to immerse yourself in this knowledge-packed episode!

Payment Processing for Startups: The Key to Seamless Transactions

Have you ever wondered how online transactions happen seamlessly? How do your favorite e-commerce stores effortlessly process payments, leaving you satisfied as a customer? It all comes down to payment processing, a vital aspect of any modern business. Today, we'll explore the ins and outs of payment processing for startups, demystifying this crucial process and helping you make informed decisions for your own venture.

Understanding the Payment Processing Landscape

Before delving into the nitty-gritty, let's take a moment to understand the payment processing landscape. In a nutshell, it involves the entire journey of a transaction, from the moment a customer initiates payment to the point where funds are transferred securely. We'll explore the various players involved, such as payment gateways, acquiring banks, and processors, and shed light on their roles in this complex ecosystem.

Choosing the Right Payment Processor

As a startup, selecting the right payment processor is paramount. But with a myriad of options available, how do you make the best choice for your business? We'll walk you through the essential factors to consider when evaluating payment processors, including transaction fees, security measures, integration options, and customer support. Armed with this knowledge, you'll be well-equipped to find the perfect payment processing solution tailored to your startup's needs.

Ensuring Security and Compliance

With cyber threats on the rise, ensuring the security and compliance of your payment processing system is crucial. We'll discuss the various security measures you should implement to safeguard your customers' sensitive data, such as encryption, tokenization, and fraud detection. Additionally, we'll explore compliance standards, such as PCI DSS (Payment Card Industry Data Security Standard), that your startup must adhere to in order to maintain a secure payment environment.

Optimizing User Experience

User experience can make or break a business in today's fast-paced digital world. We'll share valuable tips on optimizing the payment experience for your customers, reducing friction, and increasing conversion rates. From intuitive checkout flows to mobile-friendly designs, we'll uncover strategies to delight your customers and leave a lasting impression.

And there you have it, folks! A comprehensive exploration of payment processing for startups. By understanding the intricacies of this vital process, you're better equipped to make informed decisions that can drive your business forward. If you found this video helpful, be sure to give it a thumbs up and share it with your fellow entrepreneurs. Don't forget to subscribe to our channel for more insightful content. Until next time, keep innovating, keep growing, and keep making those payments seamless!

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Payment Trends & News May 2023

What stories are in the news about payments that affect business owners?

Visa changes surcharge fee confusing everyone. Most likely to land in court. Email is circulated that a large credit card processor underbilled merchants from 2018 to 2022. Check your statements and bank account to see if your processor is card connect or ignite payments! Senator Durbin is at it again - with credit card fees. The credit card competition act strikes again. FedNow - some believe an app will appear on your phone, and you will be able to send money like Zelle and pay for goods and services. Not happening anytime soon! AI - has been in the news - what are you doing with AI in your business?

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FedNow is a real-time payment system developed and operated by the Federal Reserve Banks of the United States. It is designed to provide individuals and businesses with the ability to send and receive instant payments directly from their bank accounts 24 hours a day, 7 days a week, and 365 days a year. The purpose of FedNow is to enhance the speed, efficiency, and accessibility of the U.S. payment system, allowing faster and more convenient electronic funds transfers.

With FedNow, individuals and businesses can make instant payments using mobile devices, computers, or other electronic channels. The system aims to reduce the reliance on traditional payment methods, such as checks and Automated Clearing House (ACH) transactions, which can take several days to process.

FedNow is expected to benefit many users, including consumers, businesses, and financial institutions. It can enable faster bill payments, person-to-person transfers, business-to-business payments, and other types of transactions. By offering real-time payments, FedNow aims to improve the overall efficiency and competitiveness of the U.S. payment system, bringing it more in line with the capabilities offered by other countries' instant payment systems.

Allen & Justin discuss the end-of-life journey of QuickBooks POS (Point-of-Sale), an iconic software that has served countless businesses. Discover the reasons behind its retirement, the implications for users, and the alternatives available to navigate this transition seamlessly.

🔥Bitcoin 2023 How The Government Destroyed Crypto in Just One Year!🔥

🚀 Watch this eye-opening video to discover how the government's actions have impacted the cryptocurrency landscape in twelve months! 📉

In today's episode, we delve into the alarming influence that the government has had on the world of Bitcoin and cryptocurrencies in 2023. Brace yourself for a rollercoaster of revelations as we uncover the shocking truth behind these destructive forces. Prepare to have your perspective forever changed!

🔹 Unveiling Government Regulations: We explore the extensive web of regulations that have been imposed on the crypto industry, uncovering the unintended consequences and stifling effects on innovation. 🔹 Surveillance and Privacy Concerns: Dive deep into the governmental surveillance measures that threaten the anonymity and privacy of cryptocurrency users, unraveling the potential risks and implications. 🔹 Legal Battles and Crackdowns: Witness the legal battles and crackdowns faced by crypto exchanges, platforms, and investors, as the government attempts to exert control over this decentralized ecosystem. 🔹 Central Bank Digital Currencies (CBDCs): Learn about the rise of CBDCs and the implications they pose for Bitcoin and other cryptocurrencies. Discover how the government is maneuvering to create its own digital currency and the potential impact on the existing crypto market. 🔹 Economic Policies and Monetary Control: Understand how the government's monetary policies and economic decisions have influenced the volatility and stability of Bitcoin and the wider crypto market.

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🔗 Bitcoin 2023, cryptocurrency, government influence, crypto regulations, privacy concerns, legal battles, CBDCs, monetary policies, Bitcoin market, crypto ecosystem, crypto crackdowns, government surveillance

🔖 #Bitcoin2023 #CryptoGovernmentInfluence #CryptoRegulations #PrivacyConcerns #CBDCs #GovernmentCrackdowns #MonetaryPolicies #Cryptocurrency

Are you a business owner looking to take your success to the next level? In this episode, we dive deep into the power of bookkeeping and how it can unlock new opportunities for your business. Discover practical strategies, tips, and tools to streamline your financial processes and make informed decisions that drive growth. Don't miss out on harnessing the true potential of bookkeeping!

Join us on a journey to unlock the secrets of business success through the power of bookkeeping. We explore the indispensable role of bookkeeping in managing your finances, tracking performance, and optimizing profitability. From setting up a solid bookkeeping system to leveraging technology and data analysis, we provide valuable insights and expert advice to empower you as a business owner. Get ready to unleash your full potential!

Welcome to another episode of B2B Vault - The Payment Technology Podcast. , we will delve into the world of business ownership and provide valuable insights to help business owners thrive.

While bookkeeping is not the most glorious aspect of running a business is one of the most important things you need for success and growth, and it is crucial when tax time arrives. 

What does bookkeeping do for your business?

What tools can you use? 

Accurate bookkeeping is important!  

When will you need this info?  

If you have a retail store or restaurant – it is good to use a point-of-sale system and track your inventory.  

You can make better business decisions – and understand your cash flow. 

Visa, one of the largest credit card companies in the world, recently announced a series of changes to its fees and policies that are having a significant impact on small businesses in America. These changes include new fees for certain types of transactions, as well as new rules around chargebacks and fraud. In this podcast episode, we'll explore how these changes are affecting small businesses across the country, and what steps they can take to mitigate their impact. To start, we'll provide an overview of the changes that Visa has made to its fees and policies. According to Visa's website, these changes are designed to "better align Visa's fees with the value delivered to clients and the costs associated with providing Visa products and services." One of the biggest changes that Visa has made is the introduction of new fees for certain types of transactions. For example, merchants who accept credit card payments from international customers will now be charged a fee of 1.5% for these transactions. This is in addition to the standard interchange fee that merchants already pay on all credit card transactions. Another change that Visa has made is around chargebacks. A chargeback occurs when a customer disputes a transaction and requests a refund from the merchant. In the past, merchants were able to challenge these chargebacks and potentially avoid having to pay the refund. However, Visa's new rules make it more difficult for merchants to successfully challenge chargebacks, which can be costly for small businesses. Finally, Visa has also introduced new rules around fraud prevention. Merchants who experience a high level of fraudulent transactions may now be required to pay a fee for each transaction that is deemed fraudulent. This fee is designed to encourage merchants to take proactive steps to prevent fraud, such as using advanced authentication technologies or monitoring their transactions more closely. One of the biggest challenges for small businesses is the new fees that Visa is introducing for certain types of transactions. For example, small businesses that sell products or services to international customers may now face an additional 1.5% fee on these transactions. This can add up quickly, especially for businesses that rely heavily on international customers. For some small businesses, this fee increase can mean the difference between profitability and operating at a loss. Small businesses are also feeling the impact of Visa's changes to chargebacks. As we mentioned earlier, chargebacks occur when a customer disputes a transaction and requests a refund from the merchant. In the past, merchants were able to challenge these chargebacks and potentially avoid having to pay the refund. However, Visa's new rules make it more difficult for merchants to successfully challenge chargebacks, which can be costly for small businesses. This is particularly problematic for small businesses that rely heavily on credit card transactions. For example, a small online retailer that sells clothing may experience a high volume of chargebacks due to fraudulent activity or customer disputes. Under Visa's new rules, this retailer would be required to pay a fee for each of these chargebacks, which can quickly add up and eat into their profits. Finally, small businesses are also feeling the impact of Visa's new rules around fraud prevention. While preventing fraud is certainly a worthy goal, some small businesses are finding it difficult to implement the necessary measures to avoid these fees. For example, small businesses that lack the resources to invest in advanced authentication technologies or hire additional staff to monitor transactions may struggle to avoid these fees.

Welcome to B2B Vault, where we dive into the world of financial technology, small business, payment processing, and entrepreneurship and share valuable insights to help you thrive as a business owner. In this episode, we'll discuss essential aspects of running a small business, providing you with actionable tips and strategies to overcome common challenges. Marketing Your Business: Discover practical ways to market your business and reach your target audience. From traditional advertising methods to harnessing the power of social media platforms, we'll explore various marketing approaches that can propel your business to new heights. Stay tuned for game-changing ideas and discover how frequently you should adapt your marketing techniques to stay ahead of the competition. Embracing Technology: Unlock the potential of technology for your business. Learn how to leverage artificial intelligence (AI) to automate tasks, streamline processes, and enhance customer experiences. We'll also discuss the benefits of having a credit card machine or a point of sale system and whether it's the right time to upgrade. Additionally, discover how adopting eco-friendly practices like using digital receipts can reduce paper waste, in alignment with recent events like Earth Day. Financial Budgeting for Small Business: Gain insights into effective financial management strategies for your small business. We'll explore popular accounting software like QuickBooks and discuss the advantages of hiring a bookkeeper or waiting until the year-end to handle financial matters. Discover the importance of planning your tax payments and the advantages of utilizing a payroll provider. Furthermore, we'll touch on the significance of choosing the right banking partner and explore the services that credit unions offer to support your business's operational needs. Navigating Legal and Regulatory Compliance: Dealing with legal and regulatory compliance can be daunting, but we're here to guide you through it. Learn about the laws that can impact your business, such as the requirement for workers' compensation when you exceed three employees. Understand the implications of requests from vendors to add them to your liability policy and the associated costs. Additionally, we'll shed light on the challenges faced by CBD merchants, including restrictions on shipping to certain states. Stay informed to ensure your business operates within the bounds of the law. Fostering a Positive Company Culture: Discover the importance of cultivating a healthy company culture. As a business owner, your role as a boss is crucial in creating a positive atmosphere for your employees. We'll discuss effective hiring and firing practices, as well as ways to set achievable goals and expectations. By focusing on building a strong company culture, you can foster loyalty, productivity, and success within your organization. If you found these tips helpful, don't forget to give this video a thumbs up and subscribe to our channel for more insightful content. Share this video with fellow small business owners who could benefit from this valuable information. Together, let's empower small businesses to thrive and succeed.

In today's episode of B2B Vault, Allen & Justin are diving deep into the world of financial technology discussing the announcement by QuickBooks POS, and asking the burning question, "Is it time to upgrade your point of sale system?" Trust me, you won't want to miss out on this one! In this video, we'll be shedding light on the importance of staying ahead in the ever-evolving realm of point of sale systems. Whether you're a small business owner or an aspiring entrepreneur, this is the perfect opportunity to gather some valuable insights. So, grab your favorite snack, get comfy, and let's embark on this knowledge-packed journey together! Throughout the video, we'll be delving into the various signs that indicate it might be time for you to upgrade your point of sale system. We'll cover everything from outdated hardware to limited functionality and the need for better analytics. We'll also explore the potential benefits that come with embracing modern point of sale solutions. We'll provide you with real-life examples and practical tips to help you make an informed decision. Our aim is to empower you with the knowledge to take your business to new heights. So get ready to gain a competitive edge in the market by embracing the wonders of cutting-edge point of sale technology. Don't worry if you're new to the topic; we've got you covered! We'll break down complex concepts into easy-to-understand terms, ensuring that everyone can follow along and learn something new. By the end of this video, you'll be equipped with the know-how to evaluate your current point of sale system and determine whether an upgrade is the right move for you. So, my friends, make sure you hit that "subscribe" button and turn on the notification bell, because you definitely don't want to miss our captivating exploration of the question, "Is it time to upgrade your point of sale system?" Get ready to take your business to the next level! Join us on this exciting adventure, and together, let's unlock the full potential of modern point of sale technology. Trust me, you won't be disappointed! Remember to leave your comments and questions below; we love hearing from our amazing community. Until then, stay curious, keep learning, and I'll catch you in the video! Upgrade Your Point of Sale System with Nationwide Payment Systems!🌟 📈 Boost your business efficiency and increase sales with our exclusive QuickBooks POS Trade-In Program! 💼💸 👉 Are you tired of dealing with outdated and sluggish point of sale systems? Upgrade to the latest technology that simplifies your transactions and enhances customer experiences. 💪💼 ✅ Say goodbye to manual data entry and errors. With Nationwide Payment Systems, streamline your operations and manage your inventory seamlessly. 📊✨ 💰 Plus, take advantage of our limited-time offer! Trade-in your old POS system and receive incredible discounts on our state-of-the-art QuickBooks POS solution. 🔄💯 🔥 Unlock these amazing benefits: ✅ Faster checkout process ✅ Inventory management made easy ✅ Enhanced customer satisfaction ✅ Real-time sales tracking and reporting 🌐 Visit our website today to learn more about our QuickBooks POS Trade-In Program and revolutionize the way you do business! 💻📲 👉 Don't miss out on this opportunity to boost your sales and streamline your operations. Upgrade your point of sale system now! 🔝💼 #NationwidePaymentSystems #POSUpgrade #QuickBooksPOS #BusinessEfficiency #StreamlineOperations #BoostSales #LimitedTimeOffer

As an expert in the payment technology industry, I can confidently say that PayPal and merchant accounts both have their pros and cons. Let's start with PayPal. PayPal is a popular payment processor that allows businesses and individuals to send and receive payments online. One of the biggest advantages of using PayPal is that it's easy to set up and use. With just a few clicks, you can start accepting payments from customers all over the world. Another advantage of using PayPal is that it's widely recognized and accepted by consumers. This means that customers are more likely to trust and use PayPal to make purchases, which can ultimately lead to increased sales for your business. However, there are also some disadvantages to using PayPal. For one, PayPal charges fees for each transaction, which can add up over time. Additionally, PayPal has been known to freeze accounts or withhold funds for various reasons, which can be frustrating for businesses that rely on those funds to operate. Now, let's talk about merchant accounts. A merchant account is a type of bank account that allows businesses to accept payments from customers using credit and debit cards. One of the biggest advantages of using a merchant account is that it gives businesses more control over the payment process. With a merchant account, businesses can choose which payment processor to use and negotiate lower transaction fees. Additionally, businesses can access their funds more quickly than they would with PayPal, which can be important for cash flow management. However, setting up and maintaining a merchant account can be more complex than using PayPal. Businesses will need to work with a bank or payment processor to set up the account and ensure that it meets all regulatory requirements. Additionally, businesses will need to be vigilant about fraud prevention, as they will be responsible for any fraudulent transactions that occur. In conclusion, both PayPal and merchant accounts have their advantages and disadvantages. As a business owner, it's important to evaluate your specific needs and weigh the pros and cons of each option before making a decision. If you're looking for a quick and easy way to accept payments online, PayPal may be the best choice for you. However, if you want more control over the payment process and are willing to put in the time and effort to set up and maintain a merchant account, it may be the better option.

Hey everyone, welcome back to our channel! Today, we're going to dive into a topic that's been making headlines recently: cannabis payment processing. As you may already know, the cannabis industry has been growing rapidly in recent years, and with that growth comes the need for reliable payment processing solutions. So, why is cannabis payment processing such a hot topic? Well, for starters, the federal government still considers cannabis illegal, which makes it difficult for cannabis businesses to access traditional banking services. This has led to many businesses in the industry having to rely on cash transactions, which can be dangerous and make it difficult to keep accurate records. But with the rise of payment processing solutions specifically designed for the cannabis industry, things are starting to change. These solutions provide a secure and reliable way for businesses to process payments and manage their finances, without having to rely on cash. There are a few different types of payment processing solutions available to cannabis businesses. One popular option is a cashless ATM, which allows customers to make purchases using a debit or credit card, even though the transaction is technically processed as a cash withdrawal. Another option is a mobile payment app, which allows customers to make purchases directly from their smartphone. One of the biggest advantages of these payment processing solutions is that they provide increased security for both businesses and customers. Because cash transactions can be risky, having a secure and reliable payment processing solution can help reduce the risk of theft and fraud. So, there you have it, folks - an overview of cannabis payment processing. As the cannabis industry continues to grow and evolve, it's clear that payment processing solutions will play an increasingly important role in the industry's success. If you're a cannabis business owner, contact Nationwide Payment Systems and they can help you get the right merchant account for your cannabis related business. And for everyone else, keep an eye on this exciting industry - who knows what developments we'll see next! Thanks for watching, and we'll see you in the next video.

Attention business owners and entrepreneurs! Are you tired of the hassle of paper invoices? It's time to make the switch to electronic invoicing and start using technology to your advantage! Not only will this save you time, but it will also save you money in the long run. Plus, electronic invoicing is more environmentally friendly! So, what exactly is electronic invoicing? Electronic invoicing, or e-invoicing, is the process of sending and receiving invoices electronically, rather than on paper. This means that instead of printing and mailing out invoices, you can send them directly to your customers' email inboxes or accounting systems. One of the biggest benefits of electronic invoicing is that it saves you time. With electronic invoicing, you can automate your invoicing process, which means you don't have to spend time manually creating and sending out invoices. This frees up your time to focus on other important tasks in your business. Electronic invoicing also saves you money. By automating your invoicing process, you can reduce the number of errors in your invoicing and avoid late payments, which can lead to additional costs. You can also save money on printing, paper, and postage costs. Another benefit of electronic invoicing is that it's more environmentally friendly. By reducing the amount of paper you use, you're helping to conserve natural resources and reduce your carbon footprint. This is not only good for the environment, but it can also improve your brand image and reputation. So, how can you streamline your invoicing process and make the switch to electronic invoicing? First, you'll need to contact us and we can help find you the best electronic invoicing solution that works for your business. There are many options available, including online invoicing software and invoicing apps. Once you've chosen an electronic invoicing solution, you must set up your invoicing process. This may involve integrating your invoicing software with your accounting system or setting up automatic invoice reminders. We can help with that as well. Finally, you'll need to communicate with your customers about the switch to electronic invoicing. Let them know how they will receive their invoices and provide any necessary instructions. In conclusion, electronic invoicing is a great way to streamline your invoicing process, save time and money, and reduce your environmental impact. Don't wait any longer to make the switch to electronic invoicing. Say goodbye to paper invoices and hello to the benefits of technology!

Looking to improve your financial literacy? Tune in to our latest podcast episode, where we discuss all things money-related in honor of Financial Literacy Month. Listen now and level up your financial game!

In these uncertain times, businesses need to be nimble and adaptable to stay competitive. In this video, we share practical tips and strategies to help your business not just survive, but thrive in the current economy. Let's talk about what businesses should be doing in the current economy. We can take lessones from the downturn in 2008-2009. Cash is King! If you have good cash flow, start stock piling some of it away. When interest rates go up access to cash gets harder. If you need to borrow there is no time like the present. Credit cards - cut back on your credit limits. Where should you stash your cash? Many banks are actually paying interest in money market account, CDs, and Savings accounts, Even some of the investment banks like Chase and Charles Schwab are also paying interest, and some apps like RobinHood, Betterment and a few others.

#FinancialLiteracyMonth #Podcast #MoneyMatters

Significant Changes are coming from Visa and the Card Brands!

Starting April 15th 2023: Visa and Card Brands are changing the rules.

Today technology is the driver that makes our lives easier, helps us run our businesses, and more!

Welcome to Fintech Friday!

Today we are diving into the banking mess with three banks going under.

We talk about what happened and what the government is doing about it.

The winners - Depositors getting all their money back even though 80% of them had over $250K which is the FDIC insurance limit.

The losers -Bank Executives and Investors Bank Executives and board members were all fired. From the rest of the fallout and news - someone should go to JAIL.

Investors - Are not getting their money back. It is lost. One Investor, Kevin O'Leary, AKA Mr. Wonderful from Shark Tank was all over every news outlet saying he lost over $10 Million

Right now, many tech companies, Saas companies, and startups are looking for a backup bank relationship and possibly merchant services.

Hope everyone enjoys this podcast - we will probably have part two as more of the story is exposed.

Introduction: In today's digital age, businesses are looking for ways to offer customers a more convenient and secure payment experience. This is where alternative payments come in. In this episode, we will discuss what alternative payments are, their benefits, and why businesses need to offer them to stay competitive in the market.

Segment 1: What are Alternative Payments?

In this segment, we will define alternative payments and explain how they differ from traditional payment methods such as credit cards, debit cards, and cash. We will explore the various types of alternative payments, including e-wallets, mobile payments, cryptocurrency, and others.

Segment 2: Benefits of Alternative Payments

In this segment, we will discuss the benefits of alternative payments for both customers and businesses. We will cover the convenience, security, and speed of alternative payments, and how they can reduce transaction fees and chargebacks for businesses.

Segment 3: Why Businesses Need to Offer Alternative Payments

In this segment, we will explain why it is essential for businesses to offer alternative payments. We will discuss how alternative payments can increase customer loyalty, attract new customers, and help businesses to stay competitive in the market. We will also explore the challenges businesses may face when implementing alternative payments and how to overcome them.

Conclusion:

In conclusion, alternative payments are essential for modern businesses to offer a convenient, secure, and seamless payment experience to customers. By implementing alternative payments, businesses can improve customer satisfaction, increase revenue, and stay competitive in the market.

In today's episode Allen & Justin head down to The Alternative Products Expo in Fort Lauderrdale. They had such a great time last year they thought they should try it again. Justin met up with an old friend from Milwaukee there who owns Highly Edibles. They manufacture cbd edibles, hemp flower and much more. Listen to episode 151 to learn more about the alternative products expo, cbd, kratom, high risk businesses and how we can help you with your merchant account.

Description: CBD, or cannabidiol, has exploded in popularity in recent years due to its potential health benefits. However, despite its growing mainstream acceptance, the CBD industry still faces significant challenges when it comes to payment processing. In this episode, we'll take a closer look at the state of CBD and payment processing, and explore the challenges that CBD businesses face in accepting payments.

First, we'll dive into the current legal landscape surrounding CBD and payment processing. While the 2018 Farm Bill legalized industrial hemp, including the production and sale of CBD derived from hemp, CBD products are still subject to a patchwork of state and federal regulations. We'll discuss how these regulations impact payment processing, including the difficulty that CBD businesses face in finding payment processors that are willing to work with them.

Next, we'll explore some of the specific challenges that CBD businesses face when it comes to payment processing, such as high fees and limited options for payment methods. We'll also look at some of the workarounds that CBD businesses are using to overcome these challenges, such as alternative payment methods like cryptocurrency and e-checks.

Finally, we'll discuss the opportunities that lie ahead for the CBD industry when it comes to payment processing. As more states legalize cannabis and CBD, and as public acceptance of these products continues to grow, we may see more payment processors enter the market that are willing to work with CBD businesses. We'll also explore how innovations in payment technology, such as blockchain-based solutions, could help CBD businesses overcome some of the challenges they face.

Overall, the state of CBD and payment processing is complex and rapidly evolving. In this episode, we'll unpack some of the key issues and explore what the future may hold for this dynamic industry.

Social media verification is a badge of credibility that distinguishes users who have been confirmed by the platform as being who they claim to be. The verification badge typically appears as a blue checkmark next to a user's name or handle, and it can be a valuable tool for building trust and authenticity online.

But how much is that trust and authenticity worth? That's the question we're asking our listeners today.

We've asked around and now were asking our listeners. Can you tell us how much you would be willing to pay to be verified on social media? 

To kick things off, let's take a look at the different types of verification that are available on social media platforms.

On Twitter, verification is currently on hold while the platform revamps its verification program. Previously, users could apply for verification by submitting information about themselves and their online presence. Twitter would then review the application and either grant or deny verification based on a set of criteria, such as being a notable public figure or brand.

Facebook, on the other hand, offers two types of verification: individual and business. Individual verification requires users to submit a government-issued ID and other personal information to confirm their identity. Business verification requires additional documentation, such as business licenses and tax filings, to verify the legitimacy of a company.

Instagram also offers verification for individual and business accounts, but the process is more opaque. Users cannot apply for verification directly but must instead meet certain criteria, such as being a public figure or brand with a significant following. Instagram then decides whether to grant verification based on these factors.

So, with all of that in mind, how much are our listeners willing to pay for verification?

We also explore the potential risks and drawbacks of paid verification. For example, charging for verification could lead to a two-tiered system where only those who can afford to pay are deemed credible by the platform. This could exacerbate existing inequalities and create a barrier to entry for new users or smaller businesses.

Moreover, there are concerns about the accuracy and reliability of verification processes. If platforms start charging for verification, they may be incentivized to be less strict with their criteria or to outsource verification to third-party providers, which could result in lower standards and increased fraud.

We conclude the episode with a call to action for social media platforms to consider new and innovative ways of offering verification services that balance the need for credibility with the need for privacy and accessibility. Whether that involves offering free verification, charging a small fee, or exploring alternative models, there is no doubt that this is a topic that will continue to be debated and discussed in the months and years ahead.

Thanks for tuning in to B2B Vault: The Payment Technology Podcast. Don't forget to subscribe and leave us a review if you enjoyed this episode!

It's time for the February Monthly Wrap-up Episode. We will talk about all the episodes we did during the month.

We love coming up with topics and talking about business, payments and how to use technology in your business! 

Carpe Diem 

Welcome to today's episode of B2B Vault. In this episode, we'll be discussing the benefits of point of sale (POS) systems for restaurants. POS systems have become an integral part of restaurant operations, helping restaurant owners streamline their business and enhance the customer experience. Allen Kopelman is an expert in restaurant operations, to get an in-depth understanding of how POS systems can help restaurants improve their bottom line.

Allen and Justin, the co-founders of B2B Vault: The Payment Technology Podcast, had always shared a passion for payment technology and the role it plays in transforming the way businesses operate. Both were working in the payment technology industry, but they noticed a gap in the market for a podcast that focused specifically on the B2B (business-to-business) side of payment technology.

They had seen plenty of podcasts that covered consumer payment technologies, but there was a clear need for a platform that would delve deeper into the specific challenges and opportunities facing B2B payment technology companies. They felt that such a podcast would be valuable not only for payment technology professionals but also for business owners and decision-makers who were looking to stay ahead of the curve in this rapidly evolving field.

With this in mind, Allen and Justin began to plan the podcast, envisioning it as a space where payment technology experts and business leaders could come together to discuss the latest trends, share insights and best practices, and offer practical advice for navigating the complex world of B2B payment technology.

They drew on their own expertise and networks to secure interviews with some of the industry's top thought leaders and innovators. They also leveraged social media and online forums to spread the word about their podcast, and soon began to build a dedicated following of listeners who appreciated their insightful, informative approach to the topic.

Over time, B2B Vault has grown into a thriving community of payment technology professionals and enthusiasts, with listeners tuning in from all over the world to stay up-to-date on the latest developments in the industry. Allen and Justin continue to expand the podcast's reach by regularly featuring new guests, offering practical tips and advice, and engaging with their listeners through social media and other online channels.

Their vision of a podcast dedicated to B2B payment technology has become a reality, and their passion and commitment to the field continue to inspire others to push the boundaries of what's possible in this exciting and dynamic space.

Welcome to today's podcast episode, where we'll be exploring the question: is financial technology changing how we bank? In recent years, the rise of financial technology, or fintech, has brought a new level of convenience and accessibility to the world of banking. But with this change, also comes the question of what impact it has on traditional banking methods.  

To begin, let's take a look at what fintech is and how it's changing the way we bank. Fintech is a broad term that encompasses all types of technology used to support financial services. It includes mobile banking apps, online payment platforms, robo-advisors, and peer-to-peer lending platforms, among others. With the development of these technologies, banking has become more accessible and convenient than ever before.  

One of the most significant impacts of fintech on banking is the increase in mobile banking apps. These apps allow customers to access their bank accounts, transfer funds, and make payments, all from the convenience of their smartphones. This accessibility has not only made banking more convenient but also more secure, as customers can monitor their accounts and transactions in real-time, reducing the risk of fraud.  

Another way fintech is changing how we bank is through online payment platforms. Services like PayPal, Venmo, and Square have made it easy for people to send and receive money without needing to use traditional banking methods. This is particularly useful for small businesses or individuals who may not have access to traditional banking services.  

Fintech is also changing the way we invest and manage our finances. Robo-advisors, for example, use algorithms to create investment portfolios that are tailored to an individual's goals and risk tolerance. This technology allows investors to have access to investment advice and services that were previously only available to high net worth individuals.  

Peer-to-peer lending platforms, like Lending Club and Prosper, have also changed the way people access credit. These platforms connect borrowers with lenders, making the lending process more efficient and cost-effective. This type of lending is particularly useful for individuals who may have difficulty accessing traditional banking services, like those with low credit scores or those who are self-employed.  

While fintech has undoubtedly made banking more accessible and convenient, it's also raised concerns about privacy and security. With so much personal information being stored online, there's a risk of data breaches and fraud. There's also a concern that traditional banking services may be left behind as more customers turn to fintech services.  

However, it's important to note that fintech is not necessarily a replacement for traditional banking methods. In fact, many traditional banks are embracing fintech and incorporating it into their services. For example, many banks now offer mobile banking apps and online payment platforms. This integration of technology has allowed banks to compete with fintech startups and retain their customers.  

So, what does the future of banking look like in a world of fintech? It's likely that we'll continue to see more integration of technology into traditional banking services. For example, we may see more banks using artificial intelligence and machine learning to personalize their services and offer more tailored advice to customers. We may also see a rise in digital currencies and blockchain technology, which could further revolutionize the way we make transactions and manage our finances.

In today's podcast Allen & Justin discuss the common problems that retailers face with their point-of-sale (POS) systems.  

Point-of-sale systems are the backbone of any retail business. They enable merchants to track inventory, process transactions, and manage customer information. However, these systems can be problematic at times, causing headaches for retailers and their customers.  

The first problem retailers face with their POS systems is the lack of integration. Many retailers have different systems for their inventory management, customer relationship management, and sales processing. The lack of integration between these systems can cause discrepancies in inventory levels and lead to customer frustration when their information is not updated across all systems.  

The second problem is slow transaction processing. In today's fast-paced world, customers expect a speedy checkout process. When the POS system takes too long to process transactions, customers may abandon their purchases, leading to lost revenue for retailers.  

The third problem is the lack of data security. POS systems are vulnerable to cyber-attacks, which can compromise customer data and lead to significant financial losses for retailers. A breach of customer data can also damage a retailer's reputation, leading to a loss of customers and revenue.  

The fourth problem is outdated hardware and software. As technology advances, older POS systems become obsolete and may not meet the changing needs of the retail industry. Outdated hardware and software can cause slow transaction processing, crashes, and other issues that can negatively impact a retailer's business.  

Finally, the lack of training and support for employees is another common problem with POS systems. Employees who are not properly trained on how to use the system can make mistakes, leading to incorrect pricing, inventory discrepancies, and other issues.  

To overcome these problems, retailers can take several steps. They can invest in an integrated POS system that streamlines all aspects of their business, providing real-time updates on inventory levels, customer information, and sales data. Retailers can also invest in the latest hardware and software to ensure that their systems are up-to-date and meet the changing needs of the retail industry.  

Furthermore, retailers should prioritize data security and invest in robust security measures to protect customer data from cyber-attacks. They should also provide regular training and support to employees to ensure that they are equipped with the knowledge and skills to use the POS system effectively.  

In conclusion, while POS systems are an essential component of any retail business, they can also cause various problems. By investing in an integrated, up-to-date system, prioritizing data security, and providing training and support to employees, retailers can ensure a smooth and efficient checkout process, leading to happy customers and increased revenue.

In todays episode Allen & Justin will be discussing a topic that has been a longstanding issue for many small businesses - Dine & Dash.

For those who are unfamiliar with the term, Dine & Dash is a situation where a customer leaves a restaurant or a food establishment without paying their bill. This has become a widespread problem, and it affects small businesses the most.

Many small businesses operate on thin margins, and Dine & Dash can significantly impact their bottom line. This type of behavior is not only unfair but also illegal. When a customer Dine & Dashes, the business owner is left with the bill and no way to recoup their losses.

Small businesses often have to take measures to prevent Dine & Dash from happening. One way to do this is by asking customers to pay before they receive their food or by taking a credit card as collateral. However, these measures can also deter honest customers and negatively impact the customer experience.

Dine & Dash is not only a financial burden for small businesses, but it can also affect their reputation. If a business is known for being a target for Dine & Dashers, it can deter potential customers from visiting the establishment.

It's important to note that Dine & Dash is not exclusive to small businesses. Larger establishments are also affected by this problem. However, small businesses are more vulnerable to the financial impact of this type of behavior.

So, what can be done to prevent Dine & Dash? One solution is to have a clear policy in place and to communicate it to customers. This can include asking for payment upfront or having clear signage indicating that Dine & Dash will not be tolerated.

Another solution is to invest in technology that can help prevent Dine & Dash. For example, some restaurants use software that tracks customers and their orders to deter dishonest behavior.

In conclusion, Dine & Dash is a problem that affects small businesses and can have a significant financial impact. While there is no one-size-fits-all solution, having clear policies in place, investing in technology, and communicating with customers can help prevent this type of behavior. Thank you for listening, and we hope you found this episode informative.

In today's episode we discuss resources for small businesses, entrepreneurs, and freelancers. Whether you own a business or are thinking of starting a business this episode will help. There are a ton of resources available for small business that most people are unaware of.

1. How independent contractors 1099 will be classified:

This could disrupt many businesses - the new classifications are already an issue in California under AB 5. The federal Government is making similar rules.

https://www.federalregister.gov/documents/2022/10/13/2022-21454/employee-or-independent-contractor-classification-under-the-fair-labor-standards-act

2. Expanding the SBA lender network:

This is a hot mess - during Covid, this happened and now there are a number or lawsuits and new rules. These Fintech lenders need to be held accountable and the government needs to a better job with controlling FRAUD.

3. Federal Trade Commission (FTC) proposes broadly banning non-compete agreements:

Also, this could encompass non-disclosures and more - let's hope this stops the nonsense about stopping people from working in an industry - business owners need their secrets and customers protected.

4. Treasury Department's final rule would require detailed business ownership information:

This could cause an issue in states like Delaware, Wyoming and Nevada, and a few others that do not disclose ownership on corporate documents that are available to the public. The exemptions always puzzle me as they say companies with 20 or more employees or $5m in revenue don't have to comply - that's just wrong. Could everyone please do it? FinCen wants to know who owns all these small companies and the IRS. Another attack on small business owners!

5. Immigration services fee for businesses:

Raising the fee to bring people to work in the USA from $40-$50 to $1000. Personally, I like that! Google and many companies are laying these people off now and they will have to go home unless they find jobs quickly. (60-90 days)

6. Tighter rules and regulations on fund managers, and venture funds:

This includes all types of Fintech companies - this is to ensure we do not have another FTX nightmare!That is why the SBA needs better controls as well.

7. Reprieve on payment network transaction requirements from IRS:

The rule about reporting $600 or more on 1099K from Venmo, PayPal, Zelle, cash app etc.. has been delayed. The rule about reporting the $20,000 is still in tack or 200 transactions. This is cumulative across all payment types. The IRs will try to figure it out by the end of 2023. Meanwhile, many of these providers have made people turn their accounts into business accounts. Doing a little housekeeping themselves.

Today, we will be discussing the topic "Has The Tipping Culture Gone Too Far?"

So we got the idea for this podcast after watching quite a few TikTok videos and reels on FB and IG. Quite a few people were stirring the pot about tipping, and we wanted to chop it up and talk about tipping culture.

Tipping at restaurants is not what we are talking about - but all the other places asking for tips. We want to know if you think tipping is out of control, what places you have seen asking for tips that you like or don't like.

We also learned that TIPS stands for To Ensure Prompt Service!

So if you get good service - leave a good tip!

What is Tipping Culture and its origin Tipping is a practice that originated in 17th-century England as a way for customers to show appreciation for good service in a tavern or coffeehouse. In the United States, it became a widespread practice in the early 20th century, and today, it is a widespread custom around the world. Tipping is often seen as a way to reward good service, but it has also become a source of controversy and debate.

Pros of Tipping Culture Tipping can be seen as a way to incentivize good service. Service workers who receive tips often work harder to provide better service to their customers, which can lead to a better overall dining or service experience. Additionally, tipping can provide a source of income for workers who may not earn a high wage from their employer.

Cons of Tipping Culture On the other hand, tipping culture has also come under criticism in recent years. Some argue that it is an inconsistent and unfair way to compensate service workers, as the amount of money a worker earns through tips can vary greatly based on the number of customers they serve and their individual behavior. Additionally, it can put workers in the position of having to rely on the generosity of their customers for a significant portion of their income, which can be uncertain and unpredictable.

Alternatives to Tipping Culture One alternative to tipping is a service charge, which is a fixed amount added to a customer's bill. This would provide a more consistent and predictable source of income for service workers, but it may also reduce the incentive for good service, as customers may feel less motivated to tip if they believe a portion of their bill is already going towards compensating the service staff.

Tipping culture is a complex issue that has both advantages and disadvantages. Whether it has gone too far is a subjective matter, and opinions will vary. However, it's clear that the current system has its flaws, and it may be time to consider alternative ways to compensate service workers in a more fair and equitable manner. Thank you for listening to this episode of the Thoughtful Pod.

In this episode of B2B Vault: The Payment Technology Podcast, we dive into the world of check fraud and its impact on businesses. Join us as we discuss the latest techniques used by scammers, the warning signs to look out for, and the best practices for avoiding check fraud. Whether you're a business owner or a payment professional, this episode is a must-listen for anyone looking to protect their organization from financial loss. Tune in and arm yourself with the knowledge to stay ahead of the game in the fight against check fraud.

The world of check fraud is constantly evolving, and it can be difficult for businesses to keep up with the latest tactics used by scammers. However, by staying informed and educated, businesses can better protect themselves against these types of crimes. In this episode, we will be discussing the latest trends and techniques used by scammers, as well as the warning signs that businesses need to be aware of.

Fraud is a growing problem, affecting individuals and businesses alike. In this article, we will discuss several types of fraud and how to protect yourself and your business from being a victim.

Business Fraud

Businesses are often targeted by fraudsters who try to rip them off through fake purchases, shipping scams, and fake loan services. To protect your business, you should always be wary of large purchases, shipments to P.O. boxes or UPS stores, and cards with damaged chips.

To avoid chargebacks, never key in a card where the chip is not working, and always be on the lookout for scams that promise to get you money from the government. Stay informed about the latest scams and be sure to double-check any offers that seem too good to be true.

Personal Fraud

Personal fraud can take many forms, from fake emails and phone calls to scams through instant messenger and pay apps like Zelle and Cash App. One of the biggest scams currently affecting individuals is the massive lawsuit involving Zelle and some banks.

Other common personal frauds include fake emergency situations like a relative in trouble, the IRS, or a fake Amazon purchase, as well as texts asking for payment for a rental or mortgage.

How to Protect Yourself

To protect yourself from personal fraud, it's important to be vigilant and never share your account information, such as your PIN, passwords, social security number, or credit card numbers, with anyone. If you ever receive a call or text that you question, hang up and call the actual company directly, or simply do nothing.

Only send money to friends, family, and others that you know and trust, and always be cautious when receiving requests for transfers or payments. Stay informed about the latest scams and frauds, and be sure to keep your personal information secure.

In conclusion, fraud is a growing problem that affects everyone. By being informed and vigilant, you can protect yourself and your business from being a victim.

In today's episode of FinTech Friday, Allen & Justin have the pleasure of talking shop with Chris Curtin, Co-Founder of CurPay. CurPay is an easy-to-use digital payment and portfolio management software platform. We'll discuss the future of cryptocurrency, NFTs, alternative payments, and much more. Tune in at @3PM EST today!  

1. Introduction

2. Increased adoption of real-time payments

3. Growth of mobile payments

4. Expansion of contactless payments

5. Emergence of digital currencies

6. Adoption of open banking

7. Growth in e-commerce payments

8. Conclusion

We asked ChatGPT to create a podcast outline for the show. AI is a great tool and we have been using it for a while now. With the release of ChatGPT we thought it would be cool to have the podcast topics and points from ChatGPT. We discuss a few other ways businesses can integrate AI into their business processes.

Alternative Payments have been talked about for a while and are starting to grow in popularity.

How will businesses use these alternative payment methods, and what are the advantages and disadvantages?

We will discuss on this edition of Fintech Friday - everything alternative payments.

What are the challenges and considerations businesses should think about?

Businesses need to stay up to date on the latest payment methods and technologies, and trends to remain competitive and meet the needs of consumers of all ages.