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Education




                                                                interest in programs that combine hard plastic cards
                                                                with e-cards. Fortunately, we do have a solution for the
              Like most of you, if there                        combined gift card program through our processor. I
                 is a way I can help us                         am sure others do as well, so present it to your merchant
                                                                clients.
            maintain relationships with                         I also received some terrific suggestions from sales offices
           our merchants, and incur zero                        that go the extra step. Gary Shull from BPS Worldwide
                                                                Inc.,  suggests that merchants have  a favorable  return
              or only a small additional                        policy for any holiday purchases. As we know, most small
                   cost, I am all for it.                       businesses will not refund cash, but will provide a credit.
                                                                This is an area that needs to be looked at.

                                                                Ed Dimas from South Texas Payment Systems, said EMV
        Comments from sales offices                             (Europay, Mastercard and Visa) should be prominent at the
                                                                POS, and merchants should inform customers of the safety
        Like most of you, if there is a way I can help us maintain   in processing cards this way. With all the recent breaches,
        relationships with our merchants, and incur zero or only   it gives customers a much needed level of comfort.
        a small additional cost, I am all for it. After all, it is easier
        to keep what you have than it is to sign new merchants.   Basil Safos, another fine sales rep in the field, suggested
        Offering merchants  useful  information costs  only some   talking shop with merchants. Let them know that
        time and effort and can pay off in business relationships   cleanliness is important, as well as the importance of
        that last for years. The sales reps I spoke with offered   catchy window displays that rotate regularly to keep
        many helpful suggestions.                               them fresh. He reminds merchants that they must view
                                                                their businesses as others see them. If potential customers
        Many MLSs told me gift card programs are a recurring    see junk or dirt, they typically will feel that the merchant
        theme at this time of year. Merchants expressed particular   just doesn't care. If displays are boring or never changed,
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