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Top Ecommerce Trends for 2020

Top E-commerce Trends for 2020

E-commerce trends are making the shopping experience easier for the consumer. Moving in the direction of personalization and new customer experiences, the e-commerce industry is dynamically transforming every year, especially with the assistance of AI. Providing multiple avenues of payment and streamlining payment processes are only part of a merchant’s strategy in making paying for something as easy as possible. 

With a projected $4.8 trillion in retail e-commerce sales for 2021, companies are working to keep up with e-commerce trends. Not only are sales projected to increase, the number of buyers is projected to reach 2.14 billion by 2021, up from 2.05 billion buyers in 2019. Accounting for more than 20 percent of the global population, online buyers are rapidly changing the online shopping experience. From social commerce to voice commerce, companies are responding to the online demand and making online shopping more enjoyable and online payments easier. Here are the top e-commerce trends for 2020:

  • Artificial Intelligence: Chatbots & Assistants

Freeing up business owners to focus on the more nuanced aspects of running a business, artificial intelligence (AI) can manage inventory, answer product questions, and handle complaints all while learning from the conversations for better results in future interactions. 

  • Product Visualization

Virtual reality (VR) along with 3D imaging and augmented reality (AR) enable consumers to interact with the product on a laptop or smartphone. Bringing the in-store tangible experience to an online shopper, AI leverages 360-degree photos and product videos to engage shoppers. 

  • Voice Commerce

With Google Assistant and Amazon Alexa, consumers can shop by voice search. And with Loop Ventures forecasting that 75% of U.S. households will own a smart speaker by 2025, businesses are making purchases by voice command readily available. 

  • Mobile Shopping     

e-commerce trends 2020 merchant servicesCatering to the 2 billion people who access the internet via smartphones, e-commerce platforms like PayPal and Amazon Pay streamline the sale of online products. Features such as storing registration data on the mobile device, ensuring the search window is visible on the home page, locating an easy to tap call-to-action, tailoring online experiences, and a providing a distraction-free checkout process make mobile shopping easy and accessible for the online consumer. 

  • Social Commerce 

Embracing social media influencers and the “swipe to buy” revolution, some online businesses sell exclusively on Instagram, Facebook, and Pinterest. Not only are commerce merchants available by mobile, they’re also accessible by social – social media that is. Increasing 110% in two years, social referrals to retail websites have outpaced every other channel. With easy and pleasant online social experiences, a business with a social presence can engage consumers to the point of buying. 

The e-commerce revolution is underway in the American economy. Exponentially growing and innovating, e-commerce can boost merchants who keep up with the trends. From mobile phone accessibility to voice command availability, merchants can now be everywhere for their customers. Catering to the online consumer in a myriad of ways is the only path to success for the modern entrepreneur. 


Host Merchant Services

Founded on fantastic service, Host Merchant Services is structured around a strong backbone of customer service. Founded in 2008, we have 11 years and thousands of happy merchants to show for our commitment. Customer service is still our number one priority. In fact, our merchant support team is four times larger than our sales team! We don’t believe in hold queues either, so you’ll never have to wait in line. When you’re with Host, you’ll get first-class treatment!

 

How Ghost Kitchens are Impacting the Quick Service Restaurant Industry

How Ghost Kitchens are Impacting the Quick Service Restaurant Industry

In the ever-evolving world of quick service restaurants, the growing demand for food delivery has led to an increase in ghost kitchens, which operate exclusively for delivery service. No servers, no tables, no chairs, just a kitchen in service of delivery orders. 

Third-Party Delivery Services

The cultural shift toward food delivery in lieu of takeout opened the door to third-party delivery services such as DoorDash, which currently holds 35 percent of the third-party delivery market overtaking GrubHub. Of course, third-party delivery services charge a fee for the delivery, as well as for the expanded reach. With an up to 30 percent fee for each delivery, third-party delivery apps make an already tight margin barely worth the added business for restaurant operations. Increases in rent for an optimal site selection plus increases in the costs of insurance and goods were already cutting into restaurant revenue. Delivery fees charged by third-party services contribute to the downward spiral when some restaurants even lose money on each delivery order. 

Ghost Kitchens Cut Costs

In response to the razor-thin margins resulting from high delivery fees, members of the restaurant industry adopted the ghost kitchen model, eliminating the need for a dining room, as well as for everything in a dining room, including china, cutlery, tablecloths, and tables. With only a kitchen space and a third-party app, a restaurateur can fulfill the needs of the online food ordering consumer. With third-party app representatives propositioning existing restaurants to branch out with a delivery-only addition to their current offerings, both the market and the delivery services are growing the options to fulfill the needs of consumers who can’t find the cuisine they want, according to searches on the delivery apps.

Technology Needs

Overcoming logistics and the technology required to run a delivery-only operation are challenges standing in the way of the ghost kitchen. From ordering accuracy to delivery radius, the relationship between the ghost kitchen and its partner delivery app can make or break a virtual kitchen operation. Leveraging the technology to reach the highest potential, as well as to not lose money despite demand, may be equally important as the food itself. Something as simple as accurately reflecting menu options on the delivery app can create miscommunications and flawed orders between the kitchen and consumer. If a ghost kitchen can successfully master its underlying technology, their delivery business is in a position to thrive.

Host Merchant Services: What Your Restaurant Needs in a Payment Processor

If your restaurant is adapting to the evolutions of the delivery world, Host Merchant Services can guide you in the next best steps for your success in a competitive market. Whether you need an entirely new point of sale system or a solution for your current system, HMS offers a suite of services to suit your restaurant’s needs. From wireless equipment, payment by check, recurring billing, to online payment gateways, HMS has everything a restaurant needs for serving customers in both traditional sit down establishments and catering services. 

Host Merchant Services provides customer support for restaurant credit card processing 24 hours a day, 7 days a week, 365 days a year. We know we need to work as much as you do to properly support an industry that can operate nearly 24 hours a day. That’s why we have operators standing by to answer your call any time of day.

HMS also explains how payment processing works. Providing a comprehensive package including credit card processing and financial transaction services to restaurants, we will custom design a flexible credit card processing solution to fit the needs of your restaurant.

And when we do demonstrate your payment processing scenario selections, HMS also offers your restaurant  several point of sale options, including Clover, Vital, Bonsai, SwipeSimple, and more to fit your specific operation. If your restaurant is already equipped with hardware, HMS provides an easy point of sale integration. 

With our low rate guarantee, HMS provides a Free Rate Analysis to show where you can save on your restaurant payment processing. If HMS can’t save your restaurant money, we will give you a $50 Gift Card. The best pricing model on the payment processing market, Interchange Plus Pricing will help your restaurant’s bottom line. 

Host Merchant Services will even provide your restaurant free equipment via our free equipment program to qualified merchants along with receipt paper at wholesale prices. We are your restaurant’s credit card processing solution. 

 

Cayan Charges PCI Non-Compliance fee

Cayan charging customers PCI non-compliance feeCayan processing, one of the largest payment processors in the country, informed its customers that they will be charged a $125 PCI non-compliance fee starting in March 2020 if they are not PCI compliant. The fee is not one-time but monthly. This means customers deemed not compliant with PCI standards will be charged $125 per month every month until the customer becomes PCI compliant. This news comes just a few months after Cayan charged its customers a $125 “infrastructure fee” in addition to a rate increase. 

 

What is PCI compliance and non-compliance?

First, let’s start with the basics. PCI DDS stands for “Payment Card Industry Data Security Standard” (PCI for short) and was created by the card brands to help ensure the security of credit card transactions. To be PCI compliant each merchant is supposed to fill out a questionnaire that shows the systems used to process credit cards are secure. It is not a difficult process by any means. In fact, many processors include PCI compliance with each merchant account free of charge. Note: The card brands that created “PCI” do not charge for non-compliance, but some payment processors, like Cayan, choose to. 

 

business owner stressed about pci non-compliance fee Why is Cayan Charging for PCI non-compliance?

That’s a good question since Cayan doesn’t have to charge it’s customers the completely unnecessary $125 PCI non-compliance fee. The company claims that it’s for the security of their systems. This makes sense, but then why wouldn’t Cayan make PCI compliance mandatory with each account? Unfortunately, many merchants are not going to see the notice and will be hit with a $125 PCI non-compliance fee. For smaller businesses, this can be a major hit to their bottom line.  

 

How To Stop Cayan Fees 

The good news is that CAYAN is allowing upset customers to cancel their accounts without penalty within 30 days of receiving the statement containing the fee! Here’s what Cayan says in the notice: “IF YOU OBJECT TO THESE FEES, YOU MAY TERMINATE YOUR AGREEMENT WITHOUT PENALTY BY PROVIDING WRITTEN NOTICE IN ACCORDANCE WITH YOUR AGREEMENT WITHIN 30 DAYS OF THE DATE OF THE STATEMENT CONTAINING THIS FEE.”

What to do now? 

Fees like these, charged by big processors, are a prime example of why it is so important to find a payment processor that has integrity and transparency. Host Merchant Services makes sure all of its merchants are PCI compliant, free of charge, included with their merchant account. Beyond that, there are no hidden or surprise fees ever and merchant’s rates are locked in for life. That means we will never turn around and charge our customers unnecessary fees or rate increases. Finding the right processor can save a lot of time and hassle. If you’re upset and looking for a straight forward solution Give Host Merchant Services a call (877) 517-4678. You will be pleasantly surprised by the high level of service, low cost, and no obligations. 

Where Can I Use Apple Pay – 2021/2022 Update

Apple Pay allows Apple iPhone 6, 6s, 6, 7, 8, 6 Plus, 6s Plus, 7 Plus, 8 Plus, SE, X, XS, XS Max, XR, 11/Pro, 12/Mini/Pro/Max, 13/Mini/Pro/Max and Apple Watches to pay for good and services with a built in NFC chip. Apple Pay has made huge leaps in acceptance in 2021 and 2022, and contactless and NFC payments are gaining traction in general.  Here is a list of the retail stores, apps (both retail and transit), colleges and universities, and nonprofits currently accepting Apple Pay in 2021, 2022, and beyond:

Get started accepting Apple Pay for your business here!

You can use Apple Pay to pay for goods at the following stores with millions more:

  • ACEApple Pay App Accept Payments
  • Albertsons
  • Apple
  • Baskin Robbins
  • Best Buy
  • Chevron
  • Chick-fil-A
  • Costco
  • Crate & Barrel
  • Disney Store
  • Duane Reade
  • Dunkin Donuts
  • ExxonMobilNFC contactless payments symbol
  • Foot Locker
  • GAP
  • Kohls
  • J Crew
  • Jersey Mike’s
  • jetBlue
  • Levi’s
  • Macy’s McDonald’s
  • Nike
  • Office Depot/OfficeMax
  • Panera
  • Petco
  • Petsmart
  • Pizza Hut
  • Safeway
  • Sephora
  • 7 Eleven
  • Staples
  • Starbucks
  • Subway
  • Target
  • Texaco
  • Trader Joe’s
  • Walgreens
  • Walt Disney World
  • White Castle
  • Whole Foods

These apps and websites accept Apple Pay, along with many more:

  • Airbnb
  • B&H – photo, video, pro audio
  • Chipotle
  • Dunkin Donuts
  • Etsy
  • Fandango
  • Groupon
  • Grubhub
  • Hotel Tonight
  • Hotwire
  • Instacart
  • Jet
  • Lululemon
  • Lyft
  • MLB
  • Panera
  • Seamless
  • Sephora
  • Staples
  • Starbucks
  • StubHub
  • Target
  • Ticketmaster
  • Wish

Use Apple Pay when using these transit apps:

  • Caltrain San Francisco Peninsula and Santa Clara Valley
  • *CTA and Pace Chicago metropolitan area
  • MBTA Boston metropolitan area
  • Metrolink Los Angeles metropolitan area
  • MTA Metro-North and Long Island railroads New York metropolitan area
  • NJ TRANSIT New Jersey and New York metropolitan area
  • RTC Las Vegas metropolitan area
  • RTD Denver metropolitan area
  • *TriMet, C-TRAN, and Portland Streetcar Portland and Vancouver metropolitan area
  • Ventra (CTA, Pace, and Metra) Chicago metropolitan area

*Tap and pay via Apple Pay

The following colleges and universities accept Apple Pay:

  • The University of Alabama
  • Duke
  • Oklahoma University
  • Temple University
  • *Johns Hopkins University
  • *Santa Clara University

*Coming later this school year

Donate by way of Apple Pay to the following nonprofits, in addition to others:

  • American Red Cross
  • Children’s Miracle Network Hospitals
  • Chron’s & Colitis Foundation
  • Global Giving
  • RED
  • Jude Children’s Research Hospital
  • Save the Children
  • United Way
  • WNET New York Public Media
  • WWF

Naturally, these apps that come standard on an iPhone accept Apple Pay:

  • Apple Music
  • Apple News+
  • App Store
  • Books
  • iCloud
  • iTunes Store

If you’d like to learn more about how to use Apple and Google pay click the link here!

MasterCard Cautions Negative Q1 Revenue Impact from Coronavirus

Mastercard Cautions Negative Q1 Revenue Impact from Coronavirus

Earnings releases were tinged with a coronavirus theme during companies’ conference calls as decision-makers fear the negative effect of the coronavirus on travel and e-commerce globally. While many companies say it’s too early to assess the coronavirus impact, some companies offer an analysis of sales loss and an earnings hit. 

Mastercard Prediction 

Mastercard Inc (MA) warned investors that the effects of the coronavirus outbreak could negatively impact first-quarter revenue, as well as overall 2020 revenue on Monday, February 24. After the announcement, MA closed down $15.03, 4.42 percent, and dropped further $4.68, 1.44 percent, during after-hours trade. 

Expecting the year-over-year net revenue growth to be roughly 2-3 percentage points lower than their previous estimate if the coronavirus outbreak continues until the end of the quarter, the company now projects revenue growth to be 9-10 percent in the first-quarter based on a currency-neutral basis. The news follows Mastercard’s better than expected fourth-quarter results, which showed consumers using credit card processing for holiday shopping. 

First-Quarter Earnings Expectations

General Electric’s description of the coronavirus as an “evolving variable” is an apt summary of companies’ approaches to describing the potential negative effect the virus will have on first-quarter earnings. With many companies adjusting earnings and managing expectations of investors and with companies interconnected with China and even partially housed in China, coronavirus is playing a central role in anticipated disruption, as well as the current disruption in the world economy.

Global Impacts

First identified in Wuhan, China at the end of 2019, COVID-19, also known as the coronavirus, is spreading across the globe, infecting more than 100,000 and killing more than 3,000 people. Efforts to contain the virus and the resulting effect on human behavior have disrupted supply chains. 

Both manufacturing and supply industries in China, as well as in other countries in the region, are already slowing and even stopping business despite Chinese banks loaning money to companies and communities afflicted by the virus and despite the Chinese government working with tech companies on systems to determine the health of workers. The resulting stock market sell-off on Monday, February 24 was the worst in two years with fears of a worldwide economic slowdown due to coronavirus

Host Merchant Services

During these turbulent economic times, depend on a stable and reliable payment processor to partner with your business to minimize the impact of worldwide instability. Payment processing should be the least of your concerns. Delivering personalized service and clarity, Host Merchant Services takes the time to explain your payment processing. We want you to understand your monthly statement, and we will ensure that your statement matches our promises during our sales presentation. If you do have questions, you can reach a live representative any time, any day. HMS offers wonderful customer service, as well as great rates. 

Host Merchant Services even explains where our profit lies in the pricing structure to be fully transparent in all directions. Pricing fairness and transparency is our strategy in helping our customers find success with their businesses. 

 

Top Payment Processing Trends to Watch in 2020

Vendors trying to keep up with the latest trends in payment processing have a few more innovations to adopt in 2020 to evolve with the ever-changing consumer payment habits. Whether their customers want to pay with their phone or bank with their voice, businesses not only need to keep up with various payment methods, including paying by default with an invisible payment, but they also need to keep pace with the security risks associated with payment information embedded in platforms across the digital marketplace. While some merchants still require a signature when accepting payment, others have transcended signatures, as well as transcended credit cards themselves. Here are the top five payment processing trends to watch in 2020:

1. Invisible Payments

Embedded into applications, invisible payments allow consumers to make purchases without pressing a “buy” button. By keeping customers’ information on file, businesses are able to charge them automatically. With a  focus on customer experience as a differentiator, businesses want to provide a seamless transaction. Loaded from eWallets, customer information can automatically populate for purchases. 

2. Security Compliance

With embedded payments on the rise, security will keep up with the frictionless payment options for customers. Software vendors building the applications that embed consumer information will be held to a higher set of standards issued by the Payment Card Industry (PCI) Security Standards Council in 2019. 

3. Digital Wallet

With 1 billion users each, China’s Alipay, a result of Alibaba’s online platform, and WeChat Pay, the purchasing arm of the social media platform, are examples of the popular digital wallets enjoy. By offering customers a variety of payment processing options to accommodate digital wallets, payment providers intend to be a part of the mix in the wallet-less payment trend. 

4. Voice Activated Banking

Beyond voice-activated commands via smart speakers and voice-activated inquiries via smartphones, voice activation is now a method for use in two-factor authentication for secure banking. Banks are even making it possible for customers to bank by voice for use in reporting a lost card or fraudulent activity, as well as for use in transferring money. 

5. Signature Not Required

Relying instead on security technology like EMV, credit card brands transitioned to no signature required for credit card processing. Although not all merchants removed the requirement, 2020 may be the year payment processing leaves the signature behind for everyone. 

Host Merchant Services

Host Merchant Services offers state-of-the-art POS systems personalized for your business. From online retail to restaurants and everything in between, HMS provides businesses the tools they need to be successful. For payment processing, HMS can help your business accept all credit and debit cards with the lowest transaction rates on the market. We are able to retain customers with our low rates and excellent customer service – not our contracts. With 24-hour customer service, seven days a week and 365 days a year, we require no term commitment, and we charge no up-front fees or hidden fees. Nor do we charge application or setup fees. An industry leader, Host Merchant Services is always here for you.

Clover POS – How It Can Help Your Business

Clover® POS is transforming the delivery of merchant services today.  Not only does Clover POS simplify acceptance of card payments, it provides software that may also help you monitor inventories, evaluate transactions, manage staff, and enhance client relationships, among many other benefits. Clover payment processing solutions are available in several forms, such as Clover Go, Clover Station and Mobile, and Clover Mini. If you have been struggling with the traditional registers, Clover will simplify your merchant services with the following benefits:

Improve Customer Relationships

Besides offering quality services or products, your ability to build strong relationships with your clients is important. In your business operations, you will meet clients that prefer to make payments in different ways. If your business can’t process multiple payments, you may risk losing them to your competitors. With Clover, your clients will comfortably make payments using cash, credit or debit cards, and contactless NFC options such as Apple Pay, Google Pay, and more.  Clover apps offer many excellent customer loyalty programs, marketing, and retention tools too.

Retail shop manager doing inventory on tabletSimplify Inventory Management

Clover is more than just a point of sale system. All inventory information is readily accessible via any device using cloud-based software from anywhere and at any time. For instance, while analyzing inventory data, you will be able to see products with the highest sales and determine what to stock. This will help you save on time and increase your savings.  Inventory management can be streamlined and integrated with your payment system.

Guaranteed Data Security

Clover Point of Sale Systems are designed using cutting-edge technologies that provide data security to your business and clients. Its data encryption and tokenization prevent breach of personal information by hackers. Build confidence with customers by using Clover point of sale as a secure way to accept payments and protect customer data, in full compliance with Payment Card Industry Data Security Standards, also called PCI DSS.

Reliable Payment Processing Software

One of the best advantages of Clover POS is the simplicity right from setting it up to using it. Since it’s an all-in-one payment processing solution, you won’t be stressed over incompatible software and hardware. Even though the system uses Wi-Fi or Ethernet to function, its offline mode makes it easy to operate even during an Internet outage. This feature ensures that your business continues to operate smoothly at all times.

Transaction Reports Made Easy

Clover point of sale systems can do a lot more than just allowing multiple payments. Through various Clover apps and add-on software, the system helps you access emails, texts, and print receipts and track sales reports. Such information is essential in understanding your clients’ buying behaviors and finding ways to increase sales and efficiency.

Used By Many Merchants and Merchant Types

Clover POS systems offer versatile options that work for most businesses irrespective of size. Whether you run a food truck, restaurant, brewery, retail shop, ice cream shop, supermarket, among others, Clover is one of the best business software systems to use. This robust platform can handle all merchant services for small-scale to large-scale businesses.

Clover POS solutions are designed to revolutionize merchant operations. If you hope to enhance payments, strengthen client relationships, and increase productivity, the Clover system is a fantastic option to consider.

The Clover® name and logo are trademarks owned by Clover Network, Inc., an affiliate of First Data Merchant Services LLC, and registered or used in the U.S. and many foreign countries.

How to Accept EBT Payments

EBT or electronic benefits transfer payments are benefits that are given to families in low-income households. The government transfers money onto an EBT card, and it is similar to a direct deposit. People can use their EBT card to purchase food and other necessities for their home.

For retailers and merchants to accept EBT payments, they need to sell food that can be prepared and consumed at home. Merchants should sell at least three different qualifying food from each staple food groups, and half of all retail sales should be from the sale of staple foods that are eligible under the program.

Retailers with approval can accept EBT card payments from customers just as they would any other debit card or credit card payments. Retailers or merchants are paid for the total amount of the purchase, and as with any other form of electronic payment, they are transferred automatically to the merchant services bank.

Your business can accept EBT card payments if you are registered and authorized through SNAP or the supplemental nutrition assistance program. If your business is not yet registered, you can sign up to become a SNAP merchant.

Mom and son getting groceries with EBTOnce your registration is complete, SNAP will give you a seven-digit identification number that is also referred to as an FNS number. Your SNAP identification number, your business is well on its way to accepting EBT cards for payment.

People who depend on EBT receive a card that can be swiped at approved retailers. They are processed just like other card-based transactions. Your business will need a point of sale software to handle these card transactions.

It is important that your business uses a credit card machine that can handle federal aid payments. Once you have been approved and have the right payment processing system in place to accept these payments, you will want to follow the government’s rules to maintain your authorization.

These guidelines include:

  • Make sure your customers are purchasing eligible foods with their EBT cards.
  • Never pay cash refunds for customers who pay with their SNAP benefits.
  • Do not charge additional sales tax on foods paid for with electronic benefits transfer cards.
  • Customers need their card and pin to make purchases.
  • Payments should be processed on location and not on credit. Delayed or credit payments are not eligible for SNAP benefits.

If your retail business is food, the chances are that you will qualify to accept electronic benefits transfer and SNAP benefits from customers in the program. There are millions of potential customers with families that use the benefit program every month, so it could also boost revenue for your business. It’s also important to be an inclusive business offering the very best in healthy foods to all of your customers.

5 Great Benefits of Using Clover POS for Your Business

If you run any kind of brick and mortar store, you’ll need an efficient method for checking out customers and receiving payment. To accomplish that, you need a point of sale system, also known as POS for short. Without one, merchant services can quickly turn into a logistical nightmare.

Of the different POS systems on the market, perhaps the best is the one available from Clover® named Station. In many ways, it’s a technological breakthrough compared to traditional POS systems. Below are a few ways a Clover POS system could benefit your business.

It’s Intuitive and Easy to Use

Smartphones, tablets and other smart devices have transformed the world. 3.5 billion people across the globe use smart phones. Clover, recognizing the trend, has integrated some of that same technology into its products. The screen of a Clover POS is very much like that of a smart phone or tablet home screen and integrates the same kind of touch-screen technology. Nearly anyone should be able to intuitively know how to operate it.

woman using clover pos systemClover Harnesses the Power of Apps

Another great feature that is being transferred from smart phones to POS systems by Clover is the use of apps. Investing in a Clover POS system gives you access to something Clover refers to as its App Market. This App Market gives your business access to 100 different business related apps. This now means your system can do a lot more than just payment processing. It can also manage employees, schedule shifts, check inventory, take notes and much more.

It Works with Other Clover Devices

Another benefit of the Clover Station is that it’s designed to be integrated with other products available from the company with no compatibility issues that you may experience with products from other vendors. This includes the Clover Mini, a small sized credit card machine that can scan payment from credit or debit cards. It also works with other products like Clover Go, an even smaller card reader, and Clover Flex, a handheld device that can read cards, take inventory and more.

Clover Gives You Added Security

Today, business owners have to worry about a lot more than just shoplifting. They also have to contend with hackers and cyber criminals. One way thieves steal from businesses and customers is by stealing credit card numbers after they are used to make a payment. Clover POS, however, prevents this due to using card readers that have built-in encryption in compliance to new standards. Without the proper security key, it will be nearly impossible to access customers’ credit card numbers.

Clover Makes Your Business Smarter and More Data-Driven

Using a Clover POS system means having access to the data reporting tools offered by the company. These can record and analyze the numbers so you gain immediate insight into different trends regarding sales, products, customers and more. You’ll be more informed about how your business is actually performing and be able to make appropriate adjustments more quickly.

Overall, there are many great benefits to investing in a Clover POS system. It will utilize the newest technology and be very easy for employees to learn to operate. It can increase your efficiency, security and knowledge of your business. It’s a really great tool to have.

The Clover® name and logo are trademarks owned by Clover Network, Inc., an affiliate of First Data Merchant Services LLC, and registered or used in the U.S. and many foreign countries.

Top Benefits of Clover Mini Point of Sale [2020]

A compact POS system, the Clover® Mini Point of Sale does more than accept payments. If you need more space to do your actual work, the Clover Mini Point of Sale is the solution for you. Ideal for small to medium-sized businesses, the Clover Mini finds its way to businesses like fast service restaurants, salons, and other customer-facing businesses. Flexibility and ease of use make the Mini POS a popular choice for busy retailers. Here are the top benefits of the Clover Mini Point of Sale:

Payment Types

The Clover Mini Point of Sale accepts most payment types, including contactless payment and chip cards. Whether your business accepts gift cards, cash, checks, or debit, the Clover Mini has you covered. With built-in encryption-abled card readers, Clover provides an additional level of security beyond PCI and EMV standards. This advanced security technology keeps your customers and your business safe.

Ease of Use

The user-friendly Clover POS is great for the employees of small to medium-sized businesses. Intuitive and flexible, the all-in-one hardware, including the card reader, makes Clover set up and use of their POS solution easy and fast for business owners. Your customers won’t have to wait in long, slow lines while your system processes payments.

Small business Grocery store helping customerAdded Functionality

As your business evolves, grows, and adjusts to the market, you can add functionality to your Clover Mini Point of Sale via the Clover app market. You can add tools that help you manage inventory and employees. Combining POS and data analysis, you can run reports that are easy to interpret. With an easy search function allowing managers to search by day and by time, the Mini Clover liberates business owners from the hassle of paperwork and filing.

Hardware Flexibility

With the option to connect to Clover Station and many other terminals, the Clover Mini enables businesses to leverage a variety of POS systems to fit the needs of their circumstances. The Clover Mini also integrates with barcode scanners and weight scales, as well as other accessories As business needs change, Clover allows managers to shift course without starting over, saving money, time, and hassles.

LTE/4G

The LTE/4G cellular network option provides a safety net for businesses operating without a reliable ethernet connection. With AT&T’s 4G network, you don’t need an ethernet or WiFi connection. Clover handles the connection taking the worry of a wireless plan or SIM card off of business owners’ shoulders.

Host Merchant Services and Clover

Host Merchant Services can customize your Mini Clover Point of Sale System to fit your business needs. The Mini POS is only one of a number of Clover products in HMS’s offerings, including a robust station with a tablet interface and printer with the option to add functionality, a mobile app turning your phone into your POS, and the handheld POS perfect for a farmers market stand or an intimate restaurant.

Offering complimentary express service, Host Merchant Services provides free quotes. Our payment specialists can provide Clover POS pricing that fits your business.

The Clover® name and logo are trademarks owned by Clover Network, Inc., an affiliate of First Data Merchant Services LLC, and registered or used in the U.S. and many foreign countries.