http://www.isnare.com/?s=author&a=Pat+McDavitt Finances Pat McDavitt Tue, 03 Feb 2009 00:00:00 -0800 http://www.isnare.com/?aid=343474&ca=Finances Please consider this free-reprint article written by: Pat A. McDavitt You are welcome to publish this article free of charge provided: • You include the byline. • You don’t change the article in any way. • You provide a courtesy copy once published. • You are not allowed to use this article in UCE (... Finances Pat McDavitt Wed, 17 Dec 2008 00:00:00 -0800 http://www.isnare.com/?aid=329914&ca=Finances Consolidated Returns: A consolidated returns program can reduce your returned check bank fee to as little as $2 per check or less, and improve your overall rate of collection by accelerating the returns process. Your bank may currently be charging you $5 or more for each returned item. The Consolida... Finances Pat McDavitt Tue, 11 Nov 2008 00:00:00 -0800 http://www.isnare.com/?aid=316857&ca=Finances According to Patti Murphy of the Takoma Group, just a few years ago bankers were telling us that we would all be carrying a single card (what today might be called a smart card) with which we could transact all types of business electronically. Now, here we are in the 21st century, and the banking s... Business Pat McDavitt Tue, 11 Nov 2008 00:00:00 -0800 http://www.isnare.com/?aid=316465&ca=Business Interchange is the wholesale price (also called discount rate, fee and variations thereof) charged by Visa U.S.A. and MasterCard Worldwide for authorization and settlement of a credit card transaction. For example, a merchant is charged 3.5% of $10.00 is 35 cents. About 80% of those 35 cents (about... Business Pat McDavitt Mon, 10 Nov 2008 00:00:00 -0800 http://www.isnare.com/?aid=316143&ca=Business What you NEED to know about your use of the ACH Your failure to understand the rules could result in fines of $10,000 per month until the problem is resolved! Using the ACH is a powerful and convenient addition to your receivables management tools. It brings with it some very important responsibilit... Finances Pat McDavitt Wed, 05 Nov 2008 00:00:00 -0800 http://www.isnare.com/?aid=314054&ca=Finances Everyday companies across America are realizing the benefits of automated payments. There are literally billions of electronic payments being processed each year through the ACH (Automated Clearing House) System. Since 1974 this nationwide network has provided business and government agencies with a... Business Pat McDavitt Mon, 22 Oct 2007 00:00:00 -0700 http://www.isnare.com/?aid=195148&ca=Business Setting up a merchant account makes it easy and affordable for your business to accept credit cards. • Setting up merchant account services offers you: • Improved customer satisfaction • Larger customer base with more payment options • Increased credibility for your business With a merchant account... Business Pat McDavitt Tue, 09 Oct 2007 00:00:00 -0700 http://www.isnare.com/?aid=190933&ca=Business You can let a bad check recovery service do it for you! When your customer bounces a check, your bank forwards the returned check to the bad check recovery service that you have chosen to represent you. The check is entered into a database and re-submitted electronically via the ACH network. If an i... Business Pat McDavitt Mon, 24 Sep 2007 00:00:00 -0700 http://www.isnare.com/?aid=186459&ca=Business Question: How responsive will a payment solutions provider be to a merchant? Industry standards: Voice mail or email. Optimal: Voice mail or email should be answered the same day. In addition, telephones should be answered by real people. Question: Do they offer a complete line of payment processing... Business Pat McDavitt Mon, 03 Sep 2007 00:00:00 -0700 http://www.isnare.com/?aid=180942&ca=Business When you have been in business for a while, you know that success isn’t just about winning jobs or selling products. It’s also about getting paid. And the sooner the better. Check by phone offers credit card convenience for check customers. Check by phone provides you with: • Immediate payment for g...