Business Building Tips

Don’t let sales PASS YOU BY because you don’t have an online presence!

Having an online presence used to be convenient, but since the pandemic changed so much about the way we shop, an online presence is now critical if you want to be visible and accessible to your customers. No business wants to be left out in the cold when it comes to providing service and products for their customers just because they don’t have an online presence! Don’t be that business! Envision this: A quick and easy solution - That’s up and running quickly - With no monthly...

Read More


Use Gift Cards to GROW your Business During the Holiday Season

Have you ever thought about gift cards to GROW your business? Gift cards make a perfect addition to any business, big or small and your customers will love the easy and convenient gift-giving solution that gift cards offer. What can GIFT CARDS do for your BUSINESS ? Hassle-Free & Effective Advertising Word of Mouth Referrals from HAPPY customers Instant Revenue and Cash Flow That: Doesn’t take up much space Needs no prep One size fit’s all GIFT CARDS!! And you can sell them ONLIN...

Read More


Right People in the Right Seats

How is your team wired? If you are lucky like we are, you have people on your team who can and DO whatever is necessary to make things work the way they should. However, there is a big difference between a staff who does what they must and a staff who does what they LOVE! In order to deliver on the promises of Excellence, Stellar Service, and a Top-Notch Experience- teams need to be filled up with the Right People, sitting in the Right Seats, who are doing the Right Work! Defining your objective...

Read More


3 Things You MUST Know About Credit Card Processing

As complicated as the credit card processing industry can be, there are only 3 things you REALLY need to know. #1 Understand The Rates There are 500+ tiers of pricing when you combine all credit/debit card types. It is important to familiarize yourself not only with the pricing but also how the pricing relates to your specific business. Card pricing rates vary based on card type and how the cards are processed. Take some time getting to know both VISA INTERCHANGE and MASTERCARD INTERCHANGE rates...

Read More


Exceptional Educational Experience

These days, it is a rare treat to experience true Excellence in service in almost any industry. Mediocre is the service mantra of the day, but the crazy thing is that MOST companies are advertising their focus on amazing service yet still falling flat when it comes time to truly deliver. The credit card processing industry is no exception to this rule and maybe that is why we have found that delivering TRULY Above & Beyond service is one of the best ways to set TMC apart from the competition...

Read More


Pre Flight Check List (WORK)

Our Son is now licensed to be a Commercial Airline pilot I am so very proud of Tyler and his efforts! . He has lots of hours and accreditations to add before he is flying the friendly skies- but HOW EXCITING to be a Pilot right? I wonder if we can use a little playful imagination and pretend that WE are pilots? What would that look like in our companies? Flight Preparation: In order to be prepared to fly- we have to add to our knowledge tool belt. Just like Tyler has been attending flight school...

Read More


Three Tips to Deliver Service With Passion

When we train our referral partners to send their members to our company, we make some HUGE promises related to the level of service they can expect from our team. We've even been accused of implying that our staff can Walk on Water! Well, they do not walk on water that position was filled over 2000 years ago , but there is a reason why we feel so comfortable making large promises regarding the service level of our team: THEY DELIVER ! Each of our staff members truly cares about the businesses t...

Read More


5 ways to keep your staff members engaged!

Dealing with employees can be one of the most rewarding aspects of small business ownership; it can also be one of the most taxing. At TMC, we have always been blessed with an incredible cast of characters! Our team consistently delivers excellence and they tend to bring their hearts to work each day. Don't get me wrong- we have our share of challenges and some of the normal drama associated with our work family, but for the most part, we have been blessed! Some recent changes in staffing, job d...

Read More


Why You Need to Feed Your Mind

Rohn: Why You Need to Feed Your Mind Jim Rohn But can you imagine what would happen if you kept up an accelerated learning curve for the rest of your life? Can you imagine what you could learn to do, the skills you could develop, the capacities you could have? Here’s what I’m asking you to do: Be that unusual person who keeps up his learning curve and develops an appetite for always trying to find good ideas. Search libraries for books and programs. Search magazines. Search documen...

Read More


Cost and Price

Many potential business owners ask us the same question- what fees do you charge- what is the COST? And while the fee structure is a critical component- the actual COST of a merchant account goes much deeper. Selecting the RIGHT partner is GOOD for your bottom line. Here are a few things to consider when evaluating your current solution or a new processing partner. OVERALL EFFECTIVE RATE: When you divide the amount of processing volume INTO the fees paid to process that volume- you get your over...

Read More


Excellent Service is Delivered With Passion

It is VERY easy to get in the 'routine' of any position or career. We simply must remind ourselves and our teams what business we are in and WHY what we do is so important! Our WHY is simple- the industry we reside in is notorious for substandard service and a lack of integrity and we choose to be the exception. We spend time WEEKLY discussing our WHYS, our areas for improvement, and our personal goals. What is your WHY? Does your staff know what your unique proposition is and are they passionat...

Read More


You’re in luck! We have Clover!

So how does a little green plant help your business? It might or it might not, but the Clover POS System has some great features that WILL! What is Clover? Clover is a POS Point of Sale system that can really give you a step-up with your card processing. With several options to choose from you can streamline your processing and other business activities as well! And Clover has the perfect size to fit your needs. Clover Station Pro Clover station is a full-Featured POS for retailers, restaurants,...

Read More


5 Things To Increase Teamwork

There are 120 hours in a 5 day work week and we spend 1/3 of those hours with our Co-Workers. So it is no surprise that TEAMWORK is a huge topic of discussion within the business world! Here are 5 things you can do to increase, encourage and improve TEAMWORK - where you work! 1- Keep The Bar High Working in an atmosphere where Excellence is the name of the game- encourages staff members to perform at their best. Since each member's performance impacts the overall TEAM performance- setting high s...

Read More


Put the LOVE back in your Business!

February is the month of LOVE and what better time to talk about loving YOUR business. Like most partnerships, things can sometimes be complex. When this happens, we have to focus on the BASICS to get the complex issues ironed out. The credit card processing industry is a mess of fees, regulations, issues and the list goes on. Hopefully, these strategies below are useful to you and can help you keep the passion and the love for your business alive. When you are done reading them, please visit ou...

Read More


A time of crisis calls for EFFECTIVE and STRONG Leadership

On Sunday, I had the privilege of listening to John Maxwell’s address on Leadership. I’ve listed the link to the website below and my 5 main takeaways!! A time of crisis calls for EFFECTIVE and STRONG Leadership in our communities, our businesses, and our families. Our citizens, our team members, and our children are watching and learning from our response! 1- CRISIS IS QUITE COMMON By definition dictionary + Greek + medical a crisis is an intense time of difficulty, requirin...

Read More


What Direction Are You Growing?

What Direction Are You Going or Growing? They say the rearview mirror is smaller because that’s not the direction we are going, and after a year like we have all just walked thru- that’s GREAT NEWS! The direction we are going in all areas of our life makes a tremendous difference, and few times are as RIPE for reflection as a NEW YEAR! So how about you? Are you being intentional with the direction you are going, or should I say GROWING in both your business and your persona...

Read More


Review,Refocus,Refuel

As we stare down the remainder of 2020- it's time to do what business owners typically do several times per year: Review, Refocus and Refuel. REVIEW Consider asking yourself these questions- we are talking business, but this also works personally!! Honest assessments and reviews will help you understand what went well and where improvements can be made. What worked this year? What did not work? Are there specific areas in your business that need attention? What would you do diffe...

Read More


What We Know For Sure!

In troubling times, it feels GREAT to lean ‘in’ to the things we KNOW FOR SURE! I remember flipping through the pages of an Oprah Magazine and seeing her WHAT I KNOW FOR SURE section in the back of the magazine. What Oprah knows for sure is different from what I know for sure. What I know for sure differs from what you know for sure and so on and so forth! But consider this: spending some time to think about what you and others know for sure can REALLY have a positive impact on how y...

Read More


The POWER of Work Community

There are so many benefits to owning your own business: we are truly blessed to live in a country where we can, if we choose, blaze our own trail and do our own thing. With so many plusses, it can be easy to forget that there are a few downsides to being the one 'calling the shots'! If we are not careful, we can easily end up in a very isolated and closed off-world. Not because we are anti-social but because the road to small business success is rocky and requires an uncommon focus. That is why ...

Read More


How to save TIME and MONEY with Recurring Payments!

As a business owner, having ways to save you time is money is important, and one great way to do this is by setting up automation for your payments! Recurring Payments is a transaction charged to a cardholder's account with prior permission on a periodic basis automatically for goods and services, i.e., health club memberships, property management, landscaping, and more. Here are some reasons recurring payments can help our business and save your business TIME and Money: Speed Up Payments Imagin...

Read More


Back To Basics For Business Success

Sometimes we have to focus on the BASICS to get the complex issues ironed out in our lives and in our businesses! The credit card processing industry is a mess of fees, regulations, issues and the list goes on. Hopefully, these strategies below are useful to you. When you are done reading them, please visit our Facebook page the link is listed below to share your thoughts and ideas! Together, we can help each other out. #1- KNOW YOUR WHY When times get tough financial barriers, customer issues, ...

Read More


Using Social Media to INCREASE sales!

What if we told you that, we can help you tap into 10+ sales channels, including Facebook and Instagram, to grow your reach on platforms where your customers already spend most of their time — AND you can control all of that from ONE single dashboard? Finding customers is heavy lifting for any business. But leveraging a network of 2.5 billion consumers categorized by age, action, and interest can certainly help. And TMC is happy to step in and fill that gap, monetizing your existing social...

Read More


The POWER of our WORDS!

A couple of years ago, I was challenged by my business coach with a question: What are you doing to increase Leadership on your team Cheri? I was meeting with them weekly, talking about business growth and development, and giving them opportunities to attend life-changing events, but as I reflected on the question, I realized that I did not have a FORMAL leadership path or plan in my company. So I decided to make a change. It’s funny how a simple decision can rock your world! Over the past...

Read More


How to Work from Home 101

Circumstances can change the way we do a lot of things including the way we work! Right now in America, LOTS of people are working remotely- while it is not a NEW trend, it was a RAPID move for many businesses. Years ago, we were faced with circumstances that resulted in the resignation of a trusted and valuable staff member. At the time, we had never even considered a remote workforce. Today before COVID-19 we have 6 remote staff members. I’ve asked Hope- the team member who caused me to ...

Read More


Taking Down Life's Fences

Sometimes when life gets crazy, some good old-fashioned work can take your mind off things for a bit. This weekend, Dean and I decided to take down an old fence. As we began the task, I was transported back 10 years- to the day we put the fence in. My father had reached a point in his life where he could no longer ride horses and he made the decision to give his stallion, Bucky, to me. I remember the excitement of putting in the fence- the shiny tractor we used, the many trips to Shurway Buildin...

Read More


Credit Card Disputes: 3 Tips to reduce and possibly eliminate disputes

Conflict is a part of life and in the credit card processing world, we sure have our fair share of conflict! A 'Credit Card Dispute' happens when a customer is not happy with their purchase for any reason and they choose to contact their card issuing bank to reverse the credit card transaction. These disputes have many impacts on merchants and the credit card processing industry overall. Merchant Account Approvals: Because consumers have up to 6 months past any implied warranties to dispute a tr...

Read More


Keep Your Cash Flow- Flowing

There are lots of great things to enjoy in our businesses- POOR cash flow is not one of them! In order to keep your cash flow flowing, it is important that your merchant account be set up properly. Our team is in the habit of doing these things but just in case you accidentally chose a different processor, keep these things in mind! When setting up a merchant account, underwriting departments use a series of guidelines to 'approve' the account for credit card activity. Credit Worthiness Industry...

Read More


Our Heroic Journey Begins!

2019 was one of those years that delivered on every aspect of business here at TMC! Opportunity - Every new year holds a certain amount of ‘Promise’ and to the degree that we embrace it, promise usually delivers! We were blessed with many new opportunities and were fortunate enough to make good on many of them! How you approach your New Year has a massive impact on your overall business results. Growth - IF you take advantage of the opportunities, barring any cataclysmic event, the n...

Read More


Satisfaction vs. Loyalty

Simply telling people that "We have GREAT Customer Service" falls on deaf ears these days- why? Because the easiest thing in the world is to promise a GREAT Customer Service experience!! Do any of these situations sound familiar? Thank you for calling ABC Company, your business is VERY important to us- please HOLD. TRANSLATION: Thank you for calling ABC Company, your business is so important, that we are inadequately staffed to handle your call. You enter a business and wait to be greeted- sever...

Read More


Life Outside Of Your Comfort Zone

In order to reach our goals and dreams, oftentimes we have to venture outside of our comfort zones because that is where life gets interesting! You might be thinking 'interesting'- GREAT ! I do not need any more 'interesting' in my life and operating every single day is tough enough without moving outside of my comfort zone! But hear me out- there truly is LIFE: Outside of Your Comfort Zone. COMFORT ZONE DEFINED: Psychology a situation or position in which a person feels secure, comfortable, or ...

Read More


Don’t Give Away $$

With the Holiday season right around the corner we wanted you to be aware of a very popular scam that happens. With SOLID processes in place, you can prevent this type of fraud from happening to you and your team! Here is the most recent scenario: A customer/member walks into your business or Credit Union and attempts to make a purchase or process a cash advance. When you run the card, you receive an error message - typically "Call" or "CIB" which stands for 'Call Issuing Bank' or possibly "Hold...

Read More


We Are In This Together!

Owning a business can be as thrilling as a great roller coaster ride! All the ups and the downs in business and it just makes sense that those experiences would fuel our forward progress and if we let them, the forward progress of others! Here is what we have learned over the years. Every Business Has The Same Basic Elements: No matter how different businesses are, they all have the same basic elements. Sales, Cost of Goods Sold, Employees, Vendors, etc. No matter what challenges you face it is ...

Read More


You've Got The Power

Many people equate business ownership with POWER . And, depending upon your definition- I would have to agree. Small business owners have an opportunity to have an amazing amount of positive influence by leveraging the REAL POWER generated by their businesses and not the abuses we hear so much about on the news. Here are some examples of the kinds of POWER your team can generate when you are committed to making a powerful & positive difference! The POWER of Integrity Based Business Dealings ...

Read More


Credit Card Processing Rules

There are times in life when you really SHOULD follow the rules! Accepting credit cards is DEFINITELY one of those times! The operating rules and regulations are designed to protect card holders, financial institutions and lastly- the merchant. When you are aware of the rules as a business owner, you help reduce your risk for having your money held by the processing companies and you play a large part in reducing credit card fraud. Since cash flow is such a critical part of being in business, re...

Read More


Fill’er Up!

Y ou can’t give out of an empty vessel! Many new business owners go into their adventure thinking they will have more control over their time and better opportunities financially- being the boss certainly has it perks! But as the days, months and years roll by, many of us end up spending way more than our 40 hours per week crafting our businesses and if we are not careful- we end up with very little personal time. After 22 years in this business, Dean and I decided to TRUST what we had cre...

Read More


BOOK REVIEW: Sometimes You Win Sometimes You Learn

This is a review of the book Sometimes You Win Sometimes You Learn, by John C. Maxwell. I learned that even though we always strive for success which is our desired end result we actually learn more when we lose. It is better to take action and fail as long as we learn something from the failure than to do nothing. John is a great story teller sharing stories from his personal experiences along with the experiences of other well-known people who have overcome shortcomings and mistakes on their w...

Read More


Social Media & Feedback In the Business World

Social Media has changed the face of customer feedback. For better or worse, we are living in a new age. The way we communicate with each other is so very important and it is safe to say that there are pros and cons for the high tech way we talk to each other today. Easier- YES, better- maybe. Better technology has helped in many areas: It has made it easier to provide the kind of feedback that can help businesses get better. It has made it easier to sing the praises of a great business. It has ...

Read More


Check Up from the Neck Up

Each month this year, our team will be focusing our Social Media posts and our growth process internally on a single theme. This month is : Check Up from the Neck Up I’ll never forget the first time I heard Zig Ziglar talk about getting a ‘Check Up from the Neck Up’. His southern drawl really drove home the point and I bought it. What Zig was talking about was how much control we really do have; by the way we feed and train ourselves to think. When trouble strikes, do you insta...

Read More


BOOK REVIEW: The Magic Question

A NEW FEATURE for our blog will be our Book Reviews and BOY do we have a good one for you this month! David Cottrell's THE MAGIC QUESTION is a game changer of a book. Brief yet powerful, well written and filled with great tips and exercises to elevate your team. It is possible to get everyone on your team asking the question that counts; How Can I Help! The author clearly lines out the 6 questions your team is constantly asking themselves and why you need to be answering those questions for the...

Read More


The Lesson in the Unexpected

I love attending events and stretching my mind as a business owner. Learning how can I make things better for my company, for my staff and for the finances is a never-ending journey. Maybe you can relate! What I find most intriguing however, is when unexpected situations end up teaching me the best lessons. At a recent event, I ended up catching a flu bug and was only able to attend 1 of the three days scheduled for the conference. As luck would have it, I was traveling with two of my team membe...

Read More


Should I accept Credit Cards At My Daycare?

It's funny how technology can change the way we do everything including paying for our child's daycare! If you own a daycare center, you may have found yourself wrestling with the question; to accept credit cards or not to accept credit cards that is the question....the answer? Depends on your business model and your desired end result! #1- 'IF IT AIN'T BROKE DON'T FIX IT!' This may seem like strange advice coming from a credit card processing company but if your current business model does not ...

Read More


Rites of Passage

Total Merchant Concepts turned 21 years old this month- no small feat in the business world. Since we started the business the same year our son Tyler was born, he also turned 21 this month! During our celebration, a few things reminded me of the various Rites of Passage not only in our personal lives, but in the lives of our businesses. LONGEVITY IS EARNED: In order for a child to grow into a 21 year old, certain precautions have to be taken. Safety measures and guidance are required. Our busin...

Read More


How Lessons From a Massage Can Help Your Business!

There are few things better than a great massage! This past week I was enjoying some amazing hands and we struck up a conversation that made me think of business- strange! Yes- right there in the middle of working the kinks out of the old body I found some great business tips. Amazing what you find when you are looking TELL ME WHAT YOU WANT: Before our session began, my therapist asked me a series of questions that helped him identify what I needed. In our world, we have to begin with understand...

Read More


How Gratitude Advances Marketing

In her Forbes Magazine Article, Cheryl Conner discusses how gratitude impacts marketing. Here are some specific tips related to some very powerful Social Media Platforms the link at the bottom will take you to the full article! YouTube. Share videos on various social networking sites that speak to your interests and principles, while also commenting to express your appreciation of their content and their value to you. Twitter . Twitter provides the ideal opportunity to show gratitude for someone...

Read More


Learning From Each Other

Owning a business can be as thrilling as a great roller coaster ride! We learn so much from all the ups and the downs in business and it just makes sense that those experiences would fuel our forward progress and, if we let them, the forward progress of others! This past week, Dean and I had the opportunity to visit a successful franchise in Philadelphia Pennsylvania. We spent an entire day, discussing best business practices, how to overcome obstacles and what actions yield business success. In...

Read More


Business As Usual: Dealing With the Unexpected

Did you LAUGH when you read the title of the blog? Is there anything USUAL about being in business- not usually! As a business owner, I LOVE it when things seem like they are going the way they should but I always need to be prepared for the unexpected. The same thing is true with your credit card processing.. Typically, your credit card processing system works the way it should and all systems are go. But when it doesn’t, it can make business life pretty hectic and worse, it can interrupt...

Read More