-- Table structure for table `spotlight_client_series`
--

CREATE TABLE IF NOT EXISTS `spotlight_client_series` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `spotlight_id` int(8) NOT NULL,
  `series_name` varchar(255) NOT NULL DEFAULT 'Blog',
  PRIMARY KEY (`id`),
  KEY `spotlight_id` (`spotlight_id`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=10 ;

--
-- Dumping data for table `spotlight_client_series`
--

INSERT INTO `spotlight_client_series` (`id`, `spotlight_id`, `series_name`) VALUES
(1, 17, 'Agent & ISO Resources'),
(2, 20, 'How businesses can get ready'),
(3, 20, 'Resources'),
(4, 28, 'Articles from Sysnet'),
(5, 29, 'Did you know?'),
(6, 26, 'Additional Sites for American Express Information'),
(7, 26, 'Important Press Releases'),
(8, 13, 'Important Announcement from TMS'),
(9, 15, 'Harbortouch Whitepapers');

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_client_series_articles`
--

CREATE TABLE IF NOT EXISTS `spotlight_client_series_articles` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `series_id` int(8) NOT NULL,
  `headline` varchar(255) NOT NULL,
  `body` text NOT NULL,
  `upload_date` int(11) NOT NULL,
  `upload_id` int(8) NOT NULL,
  `update_date` int(11) DEFAULT NULL,
  `update_id` int(8) DEFAULT NULL,
  `outside_link` varchar(255) DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `series_id` (`series_id`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=37 ;

--
-- Dumping data for table `spotlight_client_series_articles`
--

INSERT INTO `spotlight_client_series_articles` (`id`, `series_id`, `headline`, `body`, `upload_date`, `upload_id`, `update_date`, `update_id`, `outside_link`) VALUES
(1, 1, 'Getting Started as an Agent: 3 Tips for Finding Prospects', 'So you''ve just started a career as an independent sales agent. You''ve attended trainings, learned the payment terminology, and invested in new marketing materials. Now you''re probably wondering where you can find sales opportunities to start making some money. Finding prospects may seem challenging, but it can be fairly simple if you use the right techniques. Some of the easiest and most obvious opportunities are often overlooked by agents. Here are a few tips to help you get started with finding prospects.\r\n\r\n#h2Start with Your Family and Friends\r\n\r\nThe easiest place to start seeking out prospects is with your family members and your circle of friends. Your family and friends are your biggest supporters and want to see you succeed in your career. Even if they do not own a business themselves or have a need for merchant services, they may have a friend or a neighbor in their community who could be a potential business opportunity for you. \r\n\r\nAsk your family and friends to mention your new venture in merchant services to their coworkers. Their coworkers may know someone who knows someone and so on, in turn leading to more potential business opportunities Be sure to distribute your business cards to your family and friends so they can easily share your contact information directly with their contacts.\r\n\r\n#h2Go Where You Know\r\n\r\nAlmost every day you spend money somewhere in your community, whether it''s at a coffee shop, dry cleaner, or restaurant. The next time you stop into one of these businesses, ask the business owner out of curiosity who processes their credit cards. This will allow you to lead into speaking about your processing options and valued added services. Small business owners are regularly approached by salesmen which they may turn away, but when they are approached by a familiar face, and a good customer, they will be more likely to listen and carry on a conversation. Make sure you''re prepared to explain your offerings and how you can improve their business by reducing their costs.\r\n\r\nAlso, think of those businesses you have visited in the past that are still cash only businesses. Cash only businesses are missing out on a significant amount of business by not accepting credit cards. As many of these mom-and-pop shops are most likely stuck in their ways of accepting cash only, be prepared to respond to their objections by explaining the multiple benefits of accepting credit cards. \r\n\r\nAlso, some of these businesses have community boards where you can post a business card or a flyer. Don''t pass these opportunities by - take advantage of any and all free advertising.\r\n\r\nLeverage LinkedIn\r\nEveryone has heard the importance of networking and how business is all about who you know. The same goes for a career in sales - networking is critical to be successful. Social and professional networking sites, in particular LinkedIn, have made it much easier to network. LinkedIn is a great way to increase your business contacts, grow professionally, and expand your knowledge within your industry. If you''re new to LinkedIn, start out by adding LinkedIn connections of people you know or may have done business with in the past. If you haven''t spoken to the individual recently, send him or her a friendly message and let them know about your new career. The more people who know about your new business, the more opportunities you''ll likely receive.\r\n\r\nLinkedIn also has numerous groups filled with business professionals who share valuable information on a regular basis. Within these groups, discussions are started, events are promoted, and content is shared. Engage in the group conversations to increase your presence in the payments industry. Look for event announcements of where your target market would most likely be and try to attend as many events as you can. Most importantly, stay active on LinkedIn and you''ll be more likely to find more prospects.\r\n\r\nProspecting is a continuous learning experience. Once you start prospecting with these three techniques, you''ll learn which ones have worked best for you and how you can expand your lead generation efforts.', 1433449818, 3, 1433448883, 3, NULL),
(2, 1, 'Great Marketing Tools for Agents', 'Everyone knows that in order to successfully promote yourself and grow your business, you need marketing. For many, especially new agents just getting started, the concept of marketing can be a daunting one. Where do I start? How much money do I need? What do I really need? \r\n\r\nWhat is marketing exactly? It’s simply defined as ‘the action or business of promoting and selling products or services, including market research and advertising.’ When most people think of marketing, the think of the 4Ps: product, promotion, price and place.\r\n\r\nMarketing plans don’t have to be that complicated as long as they support your goals and objectives and are executable using your tools and resources. In fact, there are a ton of great resources online that you can use to help you build or refine your marketing plan including those from Inc., SBA.gov, Forbes, and MarketingProfs.\r\n\r\nIf you’re new to marketing, another thing you will want to consider is the tools you will need to help you execute (or even develop) your plan. From websites to e-marketing to social media, there are a ton of resources online that you should be aware of – any using – to help you grow your business.\r\n\r\n<b>Website creation and hosting:</b><ul>\r\n<li>Wordpress</li>\r\n<li>Google Sites</li>\r\n<li>Wix</li>\r\n<li>Weebly</li>\r\n</ul>\r\n \r\n<b>Email marketing:</b><ul>\r\n<li>MailChimp</li>\r\n<li>Constant Contact</li>\r\n<li>iContact</li>\r\n<li>Vertical Response</li>\r\n<li>Exact Target</li>\r\n</ul>\r\n \r\n<b>Social media:</b><ul>\r\n<li>Facebook</li>\r\n<li>Twitter</li>\r\n<li>LinkedIn</li>\r\n<li>Pinterest</li>\r\n<li>Hootsuite</li>\r\n<li>Socialcast</li>\r\n</ul>\r\n\r\nDon’t let marketing overwhelm you. There are so many great tools out there, and a good amount of them are free, leaving no reasons for not doing anything. Have goals, have a plan and have fun!', 1433449817, 3, NULL, NULL, NULL),
(3, 1, '10 Social Media Time Management Tips for Agents and Resellers', 'Social media is one of those things that small business owners know they need to do, but a vast number of agents and resellers are not quite sure how to find the time to do it. Social media can be an effective outlet to network and generate leads, but it is important to effectively manage your time. Below are ten social media time management tips to help you spend your time wisely to generate conversations and leads.\r\n\r\n<ol>\r\n<li>Have a plan. Find out where your customers and prospects are having conversations and where your business can add value. Google alerts can be used effectively for this purpose.\r\n<li>Don’t worry about perfection. Start by listening and learning from others. Humility is something that is always exhibited on social media. Don’t be afraid to be a newbie!\r\n<li>Focus on one tool at a time. It is much better to be effective using one social media tool than to use five of them poorly. Choose the tool based on where most of your customers and prospects are.\r\n<li>Show up consistently. If you can only spend one hour a week, be there consistently for that period of time. This is a much better strategy than spending three hours one day and then 15 minutes the next week.\r\n<li>Use your own voice online. This should reflect you and your company brand. All consumers now value the human voice.\r\n<li>Set a time limit. Every marketing activity needs to have a time limit. It is easy to get distracted especially with social media and begin to drift. Get on and get off the social media tool according to your plan.\r\n<li>Turn off notifications. These are time interrupters and will decrease your overall productivity when you are not working on social media.\r\n<li>Schedule new content posts. Optimally, this would be on a weekly basis to start.\r\n<li>Review analytics. Every marketing activity needs to have a result. This is no different. Check out this free tool, Google analytics.\r\n<li>Set an expected return on your investment. What does your business hope to gain from social media over what period of time?\r\n</ol>\r\n\r\n#h2In Conclusion\r\n\r\nInformation overload is real, but it’s something that’s in your control. Managing your time in social media is first and foremost about deciding where to spend your time and why, and that requires a little bit of organization to start with.\r\n\r\nKnow what you want to get out of social media, know how much time you can put into it, and then make your decisions wisely.', 1433449816, 3, NULL, NULL, NULL),
(6, 2, 'Train employees', '', 1435592520, 3, NULL, NULL, 'http://na.sage.com/~/media/site/Sage%20Payment%20Solutions/responsive/docs/TrainingEmployees'),
(7, 2, 'Communicate changes', '', 1435592550, 3, NULL, NULL, 'http://na.sage.com/~/media/site/Sage%20Payment%20Solutions/responsive/docs/ConsumerImpact'),
(8, 2, 'Enhance security, limit liability', '', 1435592583, 3, NULL, NULL, 'http://na.sage.com/~/media/site/Sage%20Payment%20Solutions/responsive/docs/Liability'),
(9, 2, 'Understand EMV', '', 1435592605, 3, NULL, NULL, 'http://na.sage.com/~/media/site/Sage%20Payment%20Solutions/responsive/docs/WhatIsEMV'),
(10, 3, 'Why Sage?', '', 1435592651, 3, NULL, NULL, 'http://na.sage.com/~/media/site/Sage%20Payment%20Solutions/responsive/docs/Trust'),
(11, 3, 'Terminals that support EMV', '', 1435592675, 3, NULL, NULL, 'http://na.sage.com/~/media/site/Sage%20Payment%20Solutions/responsive/docs/EMVTerminalWeb'),
(12, 3, 'EMV FAQs', '', 1435592696, 3, NULL, NULL, 'http://na.sage.com/~/media/site/Sage%20Payment%20Solutions/responsive/docs/EMVFAQ'),
(13, 4, 'Insight into managing Level 1 & 2 merchant compliance', '', 1438276821, 3, NULL, NULL, 'http://www.sysnetgs.com/2014/11/27/insight-into-managing-level-1-2-merchant-compliance-by-paul-prior-chief-product-officer-sysnet-global-solutions/'),
(14, 4, 'Changing a merchants'' perception of their payment processor can help to reduce attrition rates', '', 1438276866, 3, NULL, NULL, 'http://www.sysnetgs.com/2015/01/09/changing-a-merchants-perception-of-their-payment-processor-can-help-to-reduce-attrition-rates/'),
(15, 4, 'Common PCI DSS challenges and how they are resolved', '', 1438276891, 3, NULL, NULL, 'http://www.sysnetgs.com/2015/03/10/common-pci-dss-challenges-and-how-they-are-resolved-by-graham-obrien-team-manager-north-american-customer-support/'),
(16, 4, 'How to prevent a business from being the next exploited target', '', 1438276914, 3, NULL, NULL, 'http://www.sysnetgs.com/2015/02/27/how-to-prevent-a-business-from-being-the-next-exploited-target-by-dr-grigorios-fragkos-senior-information-security-consultant-sysnetlabs/'),
(17, 4, 'Merchant breach protection - minimising the impact in the event of an account data compromise', '', 1438276942, 3, NULL, NULL, 'http://www.sysnetgs.com/2015/03/27/merchant-breach-protection-minimising-the-impact-in-the-event-of-an-account-data-compromise-by-jason-mcwhirr-information-security-consultant-consulting-services/'),
(18, 4, 'EMV and PCI standards need to coexist', '', 1438276967, 3, NULL, NULL, 'http://www.sysnetgs.com/2015/06/11/emv-can-substantially-reduce-counterfeit-fraud-by-paul-prior-svp-client-engagement/'),
(19, 4, 'Creating a successful Merchant PCI DSS Compliance Management Program', '', 1438276997, 3, NULL, NULL, 'http://www.sysnetgs.com/2014/02/04/creating-a-successful-merchant-pci-dss-compliance-management-program/'),
(20, 1, 'Leader or Laggard? When and Why Small Businesses Are Preparing for EMV', 'Last month, we surveyed 344 small business owners and managers at companies with less than 50 employees that accept credit and debit cards. We wanted to learn more about whether they’re implementing <a href=''https://cayan.com/genius'' target=''_blank''>EMV technology</a>, also known as chip-and-PIN or chip-and-signature cards, and what factors will lead them to change their business practices.\r\n\r\nHere''s what we learned:\r\n#h2EMV-Readiness Still Not Widespread\r\n\r\nWith the EMV deadline just three months away, a full 37 percent of small businesses don’t accept EMV cards and don’t plan to do so by October, or in the future. This may cause significant problems when the <a href=''https://cayan.com/preparing-your-business-for-emv'' target=''_blank''>liability shift</a> takes place on October 1, 2015.\r\n\r\n#h2What it Will Take to Get Small Businesses Onboard\r\n\r\nThe question now is: What will it take to get these small businesses on board with EMV? Our study reveals that the top two factors that will push people to upgrade are: the expense of fraud and the specter of customer complaints.\r\n\r\nWhile too many small businesses currently have no plans to become EMV-capable, that’s likely to change following the October 1 liability shift, once they start being held responsible for fraudulent credit card transactions.\r\n\r\nOf the small businesses with no plans to accept EMV cards, <span class=''bold''>63 percent</span> said that covering fraud would drive them to become EMV-capable, with <span class=''bold''>47 percent</span> becoming EMV-capable after covering as little as <span class=''bold''>$100 or less</span> in fraud.\r\n\r\n#h2The High Cost of Fraud\r\n\r\nMoreover, <span class=''bold''>60 percent</span> of business couldn''t bounce back if they were required to cover a fraudulent charge out-of-pocket <span class=''bold''>over $500</span>. With the average merchant suffering <a href=''http://www.lexisnexis.com/risk/downloads/assets/true-cost-fraud-2014.pdf'' target=''_blank''>133 fraudulent transactions in 2014</a>, small businesses unprepared for the EMV deadline could be in big trouble.\r\n\r\n#h2No One Wants Complaints\r\n\r\nFraud isn''t the only EMV tipping point for small businesses, though. Of the small businesses with no plans to accept EMV cards, <span class=''bold''>57 percent</span> would become EMV-capable if consumers complained enough about not being able to dip their EMV chip cards. It won''t take many complaints, either. A full <span class=''bold''>40 percent</span> said they''d upgrade after receiving <span class=''bold''>five or fewer</span> complaints per week.\r\n\r\n#h2What''s Next\r\n\r\nWe hope to see more and more small businesses making the decision to prepare for EMV before the October 1 deadline. With credit card fraud a significant and growing problem in the U.S., and one that''s <a href=''http://www.entrepreneur.com/article/244058'' target=''_blank''>increasingly relevant to small businesses</a>, these types of businesses cannot afford to ignore the shift to EMV technology.\r\n\r\nIf you or your small business is looking for more info on how to become EMV ready, check out Cayan''s <a href=''http://pages.cayan.com/emv-hub'' target=''_blank''>EMV Resource Center</a> for more tips, guidelines and information on this pressing topic.\r\n\r\nThis article originally appeared on Cayan''s Insights: <a href=''https://cayan.com/Leader-or-Laggard-When-and-Why-Small-Businesses-Ar'' target=''_blank''>https://cayan.com/Leader-or-Laggard-When-and-Why-Small-Businesses-Ar</a> \r\n', 1439915359, 3, 1439916368, 3, ''),
(21, 5, 'NMI offers multiple levels of support', '', 1442511193, 3, 1444150720, 3, 'http://go.nmi.com/multiple-levels-support'),
(22, 5, 'You can set - and profit from - <br />NMI''s ACH discount rate', '', 1442511224, 3, 1444150663, 3, 'http://go.nmi.com/ach-discount-rate'),
(23, 5, 'You can manage multiple MIDs<br />with NMI', '', 1442511247, 3, 1444150596, 3, 'http://go.nmi.com/manage-multiple-mids'),
(24, 5, 'You can brand NMI''s technology', '', 1442511268, 3, 1444150522, 3, 'http://go.nmi.com/brand-the-technology'),
(25, 6, 'OptBlue Program', '', 1456430654, 3, 1457319446, 3, 'http://optblue.americanexpress.com '),
(26, 6, 'American Express<br />Point of Purchase materials', '', 1456430694, 3, 1457319421, 3, 'http://americanexpress.com/fulfillment'),
(27, 6, 'American Express<br /> Marketing tools and programs', '', 1456430740, 3, 1457319381, 3, 'http://marketingcorner.americanexpress.com'),
(28, 6, 'American Express<br /> Merchant Financing products', '', 1456430770, 3, 1457319367, 3, 'http://americanexpress.com/merchantfinancing'),
(29, 7, 'American Express Expands Merchant Network Through OptBlueSM Program', '', 1456431473, 3, NULL, NULL, 'http://about.americanexpress.com/news/pr/2014/amex-expands-merchant-network-through-optblue.aspx'),
(30, 7, 'Small Business Saturday Map', '', 1456431520, 3, 1456431575, 3, 'http://about.americanexpress.com/news/sbs_map.aspx'),
(31, 7, 'Small Business Saturday® Results', '', 1456431558, 3, 1457319501, 3, 'http://about.americanexpress.com/news/pr/2015/small-business-saturday-results.aspx'),
(32, 8, 'An important announcement', '<table width="540" border="0" cellspacing="0" cellpadding="0" align="center">\r\n  <tr>\r\n    <td style="padding:0px 0px 0px 0px; text-align:center; background:#00b6f0;"><img src="http://totalmerchantservices.com/wp-content/uploads/2016/04/100k-ETA_01.jpg" alt="Total Merchant Services Launches $100K Bonus Program"/></td>\r\n  </tr>\r\n  <tr>\r\n    <td style="padding:0px 0px 0px 0px; text-align:center; background:#00b6f0;"><img src="http://totalmerchantservices.com/wp-content/uploads/2016/04/100k-ETA_02.jpg" alt=""/></td>\r\n  </tr>\r\n  <tr>\r\n    <td style="padding:0px 0px 0px 0px; text-align:center; background:#00b6f0;"><img src="http://totalmerchantservices.com/wp-content/uploads/2016/04/100k-ETA_03.jpg" alt=""/></td>\r\n  </tr>\r\n  <tr>\r\n    <td style="padding:0px 0px 0px 0px; text-align:center; background:#00b6f0;"><img src="http://totalmerchantservices.com/wp-content/uploads/2016/04/100k-ETA_04.jpg" alt=""/></td>\r\n  </tr>\r\n  <tr>\r\n    <td style="padding:0px 0px 0px 0px; text-align:center; background:#00b6f0;"><img src="http://totalmerchantservices.com/wp-content/uploads/2016/04/100k-ETA_05.jpg" alt=""/></td>\r\n  </tr>\r\n  <tr>\r\n    <td style="padding:0px 0px 0px 0px; text-align:center; background:#00b6f0;"><img src="http://totalmerchantservices.com/wp-content/uploads/2016/04/100k-ETA_06.jpg" alt=""/></td>\r\n  </tr>\r\n  <tr>\r\n    <td style="padding:0px 0px 0px 0px; text-align:center; background:#00b6f0;"><img src="http://totalmerchantservices.com/wp-content/uploads/2016/04/100k-ETA_07.jpg" alt=""/></td>\r\n  </tr>\r\n  <tr>\r\n    <td style="padding:6px 10px 6px 10px; font-size:8px; color:#000000; font-family:Arial; background-color:#d9d9d9;"><p style="margin:0 0 0px 0; padding:0; text-align:center;">© 2016 Total Merchant Services, Inc. All Rights Reserved.</p></td>\r\n  </tr>\r\n</table>', 1460769527, 3, 1460769654, 3, ''),
(33, 9, 'Move to the head of the class with training', '', 1461695793, 3, 1461698446, 3, '/advertisingGateway/spotlight/pdfs/Harbortouch%20whitepaper%202.pdf'),
(34, 9, 'Use technology to differentiate your offerings', '', 1461696188, 3, 1461698424, 3, '/advertisingGateway/spotlight/pdfs/Harbortouch whitepaper 1.pdf'),
(35, 9, 'Case Study: Restaurant Software Solutions', '', 1461696363, 3, 1461698402, 3, '/advertisingGateway/spotlight/pdfs/Harbortouch Restaurant Software Solutions.pdf'),
(36, 9, 'Case Study: Bata-Tech POS', '', 1461696467, 3, 1461698380, 3, '/advertisingGateway/spotlight/pdfs/Harbortouch Beta Tech POS.pdf');

-- --------------------------------------------------------

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-- Dumping data for table `spotlight_featured_content`
--

INSERT INTO `spotlight_featured_content` (`id`, `spotlight_id`, `headline`, `body`, `create_id`, `create_date`, `update_id`, `update_date`, `disable`) VALUES
(1, 0, 'Brand New Featured Content!', '#image_1\r\nLorem ipsum dolor sit amet, consectetur adipiscing elit. In interdum, mauris sit amet tristique ornare, orci felis pharetra leo, eget lacinia magna est quis orci. Morbi vitae justo eu mi auctor sollicitudin pretium ut mi. Mauris mattis faucibus eros ornare sodales. Donec consequat tellus neque, eu commodo enim accumsan ut. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Aenean eros odio, fermentum et finibus at, tristique et magna. Vivamus pulvinar tempor eros vitae pulvinar. Praesent pretium ullamcorper tristique. Suspendisse scelerisque, quam eget imperdiet vehicula, erat enim commodo tortor, vel commodo augue ante sit amet nunc. Donec neque quam, laoreet rutrum dolor non, dapibus dignissim dui.\r\n\r\n#h2This is what a Subhead will look like\r\n\r\nDonec eget mi vel quam fermentum facilisis vitae ac lacus. Integer a interdum est, id ornare ante. Pellentesque non fermentum arcu. Duis eros nibh, dignissim eget scelerisque at, luctus quis nibh. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Cras placerat eros arcu, ac pellentesque ipsum viverra non. Proin a ex ac eros suscipit tristique. In efficitur ante et tellus imperdiet maximus. Nunc arcu lacus, auctor nec vulputate in, vestibulum vitae enim. Mauris sodales ornare nisl ac sodales. Praesent quis arcu porta, varius est a, vestibulum tellus. Pellentesque nec fringilla velit, at egestas massa. Sed venenatis sed erat sit amet suscipit. Nullam finibus ante finibus, pharetra sapien in, vehicula urna. Proin vestibulum hendrerit erat vitae commodo. Mauris tincidunt convallis congue.\r\n\r\nUt neque magna, elementum vel libero vel, placerat malesuada est. In in nisl bibendum, tempor risus quis, euismod augue. Suspendisse posuere sed nulla id tristique. Donec tristique risus nisl, at volutpat enim egestas eget. Morbi id tortor luctus, eleifend velit sed, eleifend tellus. Nullam aliquet velit eget mauris mattis porttitor. Phasellus consequat tincidunt arcu sed sollicitudin. Etiam convallis lorem id interdum vulputate. Nunc sagittis nisi ut dolor elementum posuere a vel magna. Quisque at diam sit amet dui blandit tincidunt. Praesent pellentesque eu metus a posuere. Curabitur commodo eleifend sapien ac congue. Integer congue erat eget velit iaculis pulvinar. Donec at quam non tellus viverra hendrerit. Nullam condimentum nisi vel maximus suscipit. Ut cursus feugiat tellus ac dapibus.\r\n\r\n#h2Hey, here is another one!\r\n\r\nNullam nec metus eu ligula tristique tempus eget id mauris. Nam imperdiet leo arcu, consequat luctus augue pharetra vel. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Sed sed sem et sapien consequat laoreet nec eu massa. Morbi non ex id neque finibus placerat. Etiam quis tincidunt quam. Curabitur fermentum eget sapien vel tincidunt.\r\n\r\nCras mollis augue eu eleifend semper. Maecenas lacinia bibendum nisi ut aliquam. Curabitur fermentum turpis velit, quis egestas lorem laoreet in. Suspendisse tempor ornare lorem, tristique pretium eros rhoncus at. Vivamus auctor urna quis placerat dignissim. In consectetur, quam at commodo interdum, tellus mi eleifend lectus, vel luctus libero nisi imperdiet tellus. Cras nec sodales leo. Maecenas egestas nisi massa. Etiam non sapien vel ligula euismod laoreet. Proin efficitur tristique lectus. Fusce elementum enim felis, nec sodales mauris laoreet eget. ', 3, 1416246748, NULL, NULL, 0),
(4, 1, 'Sales-driven technology for agents, merchants', '#image_2 Founded in 1992 on the philosophy of "helping American businesses prosper," North American Bancard LLC has grown from a one-employee operation into a 600-employee enterprise with a network of more than 4,000 sales partners and ISOs, and over 250,000 merchants who process about $13 billion in annual transaction volume.\r\n\r\nIn building an infrastructure to support its growth over the past two decades, NAB has emphasized the engineering of proprietary technologies. "I think the differential we bring from a total ecosystem perspective is that we lead with technology," said Marc Gardner, President and Chief Executive Officer of NAB. "We look for the opportunity to leverage our proprietary technology to aid in the efficiency of our overall operations for our agents and ISOs."\r\n\r\nNAB has also advanced its mobile initiatives with the recent rollout of the NAB Phone Swipe Free Tablet Placement Program, comprising an iPad, POS stand and card reader offered for free to merchants, who are charged a flat transaction fee regardless of card type. They also receive next day funding. Initially via its PayAnywhere mobile card processing program and now through its free tablet program, NAB has made inroads into the mobile world - directly and through major retailers.\r\n\r\n#h2 All systems go\r\n\r\nNAB also employs a joint venture approach with all sales channels through its National Sales Group. The company recently introduced a "Freedom Program," enabling agents to set pricing, place free equipment, eliminate cancellation fees and earn full bonuses. This includes an initial $3,000 signing bonus and up to $1,000 per merchant signed thereafter, the company stated.\r\n\r\nNAB''s Registered ISO Program provides tools and support for promoting business expansion. "We offer unlimited capital to build their brand, hire staff and assist with registration fees that add up to thousands of dollars," Gardner said. "We provide the back-office infrastructure including sub-agent payments and reporting, free merchant statement analysis, and full in-house sales partner support, including access to third-party solutions experts."\r\n\r\nSales partners in the Midwest also can place Micros Systems Inc. POS systems - free of charge - to restaurant and hospitality merchants. In addition, NAB has developed business solutions for all major industry segments, including retail, petroleum/convenience, grocery, business-to-business, service, financial and e-commerce businesses.\r\n\r\nTo facilitate conversion of government and public sector agencies from paper-based processing to automated electronic payment and remittance, NAB acquired Point & Pay LLC in 2010. "With our Point & Pay technology, we provide fully integrated payment solutions for local and state governments, courts, law enforcement agencies, utility companies, learning institutions, rental properties, healthcare providers and more," Gardner said.\r\n\r\n#h2 Maintaining the edge\r\n\r\nStaying ahead of the technology curve is an ongoing process for NAB, which continually upgrades its agent and merchant portals by integrating advanced features. "We actually have a new release coming out with an enhanced reporting solution and enhanced dashboard solution," Gardner said. "As technology improves, we''re working to put a fresh face on these customer-facing sites."\r\n\r\nFor example, at NAB''s transactional activity portal, agents can apply a variety of data sets to their compensation reporting. Gardner noted that an agent can select merchant categories or standard industry codes, or even geographies based on revenue generated, and use that data to target certain types of businesses or locations that show promise.\r\n\r\nTo monitor merchant portfolio activity, NAB instituted an email alert system, which notifies agents via email or text message when a predetermined event occurs, such as when a new account accepts its first transaction, account volume falls below or rises above a certain threshold, or an account stops processing or is closed.\r\n\r\nEach new agent who enrolls in the NAB University online program can access video training, resources and webinars supported by a New Agent Relationship Trainer. NAB also provides a healthcare program. "We allow you to select whatever health plan works for you," NAB reported on its website. "Then we''ll reimburse half of your premium every month."\r\n', 3, 1417642629, 3, 1419988443, 0),
(5, 2, 'Cyber Week winners and losers', '#image_2 Extreme shopping has evolved from a Black Friday sprint to a Cyber Week marathon as retailers extend deep discounts further into the holiday season. A December 2, 2014, report by IBM Digital Analytics Benchmark tracked sales in the five-day span between Thanksgiving and Cyber Monday, comparing this year''s consumer transactional data against the same period last year.\r\n\r\nJay Henderson, Director of IBM Smarter Commerce saw the expanding length of the holiday shopping season as favorable to consumers and retailers, "making it easier for consumers to find the best deals on the go, whenever and wherever they chose to shop."', 460, 1417722894, 460, 1417801237, 0),
(6, 3, 'Electronic Payments accepts ALS Ice Bucket challenge, makes donation', '#image_2 Calverton, N.Y., Aug. 29, 2014 – National payments processor, Electronic Payments, joins the fight against ALS as CEO and Boston College alumnus, Michael Nardy, accepted the ALS Ice Bucket challenge on Saturday, August 23rd. Electronic Payments provides payment processing services to numerous ALS Association Chapters and pledged a monetary donation of $5,000 to be shared amongst these organizations.\r\n\r\n“Due to our existing relationship with the ALS Association Chapters, we are poised to work collaboratively with the organizations,â€ stated Mr. Nardy. “We are glad to do our part in increasing the visibility and awareness of ALS while providing charitable support.â€\r\n\r\nMr. Nardy was originally challenged by a fellow Electronic Payments staff member. He intends to keep the momentum going per his nomination of Matthew Findlan, Electronic Payments COO and fellow Boston College alumnus, and Electronic Payments representative Bryan Sousa, who works closely with many ALS organizations across the country.\r\n\r\nPete Frates, a former Boston College baseball player, is currently living with ALS and helped launch the Ice Bucket Challenge in hopes of raising awareness and finding a cure for the disease.\r\n\r\n“The Boston College community extends beyond states, borders and generations. If we can support Pete Frates and others with ALS, we are excited to do so,â€ continued Michael Nardy.\r\n\r\nTo donate or learn more about ALS, visit www.alsa.org or #ALSIceBucketChallenge .\r\n\r\n#h2 About The ALS Association\r\n\r\nThe ALS Association is the only national non-profit organization fighting Lou Gehrig’s Disease on every front. By leading the way in global research, providing assistance for people with ALS through a nationwide network of chapters, coordinating multidisciplinary care through Certified Treatment Centers of Excellence, and fostering government partnerships, The Association builds hope and enhances quality of life while aggressively searching for new treatments and a cure. For more information about The ALS Association, visit our website at www.alsa.org .\r\n\r\n #h2 About Electronic Payments\r\n\r\nWith “Innovation through every transaction™â€, Electronic Payments has distinguished itself as one of the fastest growing and highly regarded privately held payment and transaction processing companies in the United States. Electronic Payments currently serves businesses in all industry types and acquires new clients through a network of agent banks, sales agents and independent sales offices (ISOs). Visit www.electronicpayments.com for additional information or www.bankcardprogram.com to learn more about the company’s ISO and MLS programs.', 460, 1417726351, 460, 1419268372, 0),
(7, 4, 'Central Payment/SpotOn sponsor holiday Grocery Bag Giveaway', ' #image_1 San Rafael, CA –Nov. 17, 2014 –For the fourth consecutive year, Central Payment (www.cpay.com ) and SpotOn (www.spoton.com ) will be a primary sponsor of GLIDE’S annual holiday Grocery Bag Giveaway on December 17. This year’s $60,000 contribution was announced today by Zach and Matt Hyman, co-founders and co-managing directors of both companies.\r\n\r\nIn the four years that the companies have participated in the annual event, they have provided more than $200,000 in funding. Employees from both companies also work on a regular basis in the San Francisco-based organization’s kitchen, which serves more than 2400 meals per day to the city’s poor, homeless and hungry.\r\n\r\n“We are very grateful to SpotOn and Central Payment for their continued dedication over the years in helping GLIDE help those in need,â€ said GLIDE’s Minister of Liberation Reverend Cecil Williams. “Their monetary support and volunteer hours are so valuable in helping us bring food to the hungry and nourish souls during the holidays. The continued commitment year after year to help the GLIDE community shows the true meaning of the holidays.â€\r\n\r\nOn December 17, the Hymans will be joined by up to 80 colleagues who will help distribute 5,000 grocery bags to the GLIDE community.\r\n\r\n“The GLIDE contribution is a reflection of our corporate commitment to building successful and sustainable programs for our employees, sales representatives and the communities in which we operate,â€ said Zach Hyman. The companies are also major supporters of the Lucile Packard Children’s Hospital and many other organizations that benefit the local community.\r\n\r\nThe companies also have a matching contribution program which allow them to increase support for nonprofit organizations by making commensurate donations to match those donated by employees or sales representatives.\r\n\r\n#h2About GLIDE\r\n\r\nHaving recently celebrated its landmark fiftieth anniversary of daily service, GLIDE works to create a radically inclusive, just and loving community mobilized to alleviate suffering and break the cycles of poverty and marginalization. Located in San Francisco''s culturally rich Tenderloin neighborhood, GLIDE serves a diverse cross-section of homeless, low-income and disenfranchised populations, providing an array of programs including free meals, primary and mental health care, housing assistance, domestic violence counseling and abatement, substance abuse recovery, licensed childcare, afterschool and summer programs for youth, and a Family Resource Center. GLIDE has founded and sustained visionary programming, and achieved tangible results for tens of thousands of individuals and families on the margins, all once thought to be beyond the possible. More information is available at (415) 674-6000 or by visiting www.GLIDE.org .\r\n\r\n#h2About Central Payment\r\n\r\nBased in San Rafael, CA, Central Payment is nationally-recognized as a leading provider of transaction processing services and social marketing software, providing support to more than 55,000 small, medium and large businesses across the United States. It processes more than $6.5 billion in credit card sales annually.\r\n\r\nEmploying a combination of a broadly-experienced staff and an entrepreneurial business approach, Central Payment provides best in class service based on 24/7 customer care, competitive pricing and technology-based solutions.\r\n\r\n#h2About SpotOn\r\n\r\nSpotOn, founded in 2010, offers a consumer-facing loyalty platform and a merchant-facing marketing machine to more than 6000 retail businesses across the country. For more than three million consumers, SpotOn eliminates the need to carry multiple punch cards with a seamless digital check-in to access rewards and perks. Using SpotOn''s tablet-based dashboard, merchants now have an entirely new and simple way to connect with their customers using social, mobile and email marketing. SpotOn was founded by serial entrepreneurs with decades of experience helping local businesses increase profits with technology solutions. SpotOn is headquartered in San Rafael, CA, with offices in Chicago. More information is available at www.spoton.com . f the 2013 World''s Most Ethical Companies by Ethisphere magazine. TSYS routinely posts all important information on its website (www.tsys.com ). ', 460, 1417737635, 3, 1417802618, 0),
(8, 5, 'Three NMA women earn 2014 Stevie Awards for Women in Business', '#image_1 Temecula, Calif., Nov. 18, 2014 – National Merchants Association and 3 of its Team Members have been named winners of 4 bronze Stevie® Awards in the Business Services category in the 11th annual Stevie Awards for Women in Business.\r\n\r\nThe Stevie Awards for Women in Business are the world’s top honors for female entrepreneurs, executives, employees and the organizations they run. All individuals and organizations worldwide are eligible to submit nominations – public and private, for-profit and non-profit, large and small. The 2014 awards received entries from 22 nations and territories.\r\n\r\nNicknamed the Stevies for the Greek word for “crowned,â€ the awards were presented to winners on November 14th during a dinner event attended by more than 400 people at the Marriott Marquis Hotel in New York City. The presentations were broadcast live across the U.S.A., and simulcast around the world, by Biz Talk Radio, and will be featured in a television special on Biz TV in January.\r\n\r\nMore than 1,200 nominations from organizations of all sizes and in virtually every industry were submitted this year for consideration in more than 90 categories, including Entrepreneur of the Year, Executive of the Year, Company of the Year, Mentor of the Year, Women Helping Women, and Communications Campaign of the Year, among others. National Merchants Association won in the “Fastest Growing Company of the Yearâ€ category.\r\n\r\nHeather Petersen, CEO and Founder of National Merchants Association, celebrated her third Stevie award in the “Entrepreneur of the Yearâ€ category for Business Services.\r\n\r\n“I’m so excited to have shared these honors with my Team,â€ Ms. Petersen said. “I feel lucky to work with a great group of industry professionals who labor endlessly to revolutionize the bankcard industry.â€\r\n\r\nAlexis King, Director of Sales Support, celebrated her first bronze medal for “Executive of the Yearâ€ in the Business Services category. Hortencia Saenz, Office Manager, was named winner of a bronze Stevie for “Employee of the Year.â€\r\n\r\n“I am incredibly proud of my Team for their accomplishments at this prestigious awards ceremony,â€ Ms. Petersen said. “They deserve the recognition. I’ve seen their dedication to their careers and the incredible effort they put forth, and these two Team Members have definitely earned the titles of Employee and Executive of the Year!â€\r\n\r\nStevie Award winners were selected by more than 160 executives worldwide who participated in the judging process this year.\r\n\r\n“In the 11 years of the Stevie Awards for Women in Business, we have never had as many impressive women entrepreneurs, organizations, and executives nominated as we did in 2014. Their stories of success and innovation will be an inspiration to women around the globe who dream of starting and growing a business and making a difference.â€ said Michael Gallagher, founder and president of the Stevie Awards. “We congratulate all of this year’s Grand, Gold, Silver and Bronze Stevie Award winners for their achievements.â€', 460, 1417809938, 460, 1417810217, 0),
(9, 6, 'Elavon tablet-based talech-powered platform adds Fanfare', '#image_1 Atlanta, Nov. 5, 2014 -- Elavon, a leading global payment solution provider and subsidiary of U.S. Bancorp (NYSE: USB), is providing its restaurant and retail business clients with an easy to use and affordable tablet-based-point of sale platform that leverages smart data to effectively manage and grow their business. This unique solution pairs Elavon’s strength in payments and loyalty solutions, seamlessly delivered on a tablet-based platform powered by talech, a fast-growing Silicon Valley-based company. Elavon’s product development and innovation center, The Grove, has built upon the mobile solution delivered earlier with talech, enriching it even further with Fanfare, an easy-to-use loyalty and gift card solution delivering rewards to patrons of small to mid-sized businesses right at the point-of-sale. The solution is designed for small and medium businesses that aspire to grow their business, reduce their costs and operate more efficiently.\r\n\r\nThis powerful combination makes the era of Big Data accessible and relevant for small to mid-sized businesses, enabling them to compete effectively against the marketing and operational might of much larger scale chains. The simple and intuitive interface puts data-driven insights right at the fingertips of any business owner. In just a few taps, users have the ability to take orders, manage inventory, access customer information and view daily reports in real time. With the integration of the Fanfare loyalty, gift and offers program to the talech app, businesses now have easy access to Fanfare’s data-rich dashboard to quickly target consumers with offers and promotional campaigns that bring in new customers and drive additional sales and revenue.\r\n\r\nAs the payment industry rapidly evolves, Elavon’s steadfast commitment to customers continues with ongoing investment in both solutions and alliances that deliver practical advantages for small to medium businesses. “Our focus on innovation and partnership with talech benefits customers by providing new tools that help them achieve their growth goals while saving time and money,â€ said Guy Harris, president of North America at Elavon. “Our Fanfare customer loyalty program is another opportunity for us to give businesses more tools to better serve their customers.â€\r\n\r\n"We''re pleased to expand our partnership with Elavon by providing even more affordable tools for small and medium businesses. With talech, the corner store can know so much more about operating their business more efficiently. We think of this as the small data opportunity," said Irv Henderson, chief executive officer of talech.\r\n\r\n#h2 About Elavon \r\n\r\n(www.elavon.com )\r\nElavon is wholly owned by U.S. Bancorp and provides end-to-end payment processing solutions and services to more than one million customers in the United States, Europe, Canada, Mexico, Brazil and Puerto Rico. As the #1 provider for airlines and a top five provider for hospitality, healthcare, retail, and public sector/education, Elavon’s innovative payment solutions are designed to solve pain points for businesses from small to enterprise-sized.\r\n\r\n#h2 About talech\r\n\r\ntalech is a Silicon Valley-based software company offering a tablet-based point of sale platform that provides customers with tools that help them run their business better. The word ‘talech’ is an ancient Mayan word that means "someone who listens to the needs of others." The talech product provides reports and insights that help customer grow their revenues, manage their costs and keep and retain their clients. The company is based in Palo Alto, California.', 460, 1418663553, 460, 1418664031, 0),
(10, 7, 'An integrated ecosystem for ISOs', ' #image_1 In 2010, Dimitri Akhrin, founder and President of Brooklyn, N.Y.-based Integrated Reporting Is Simple LLC (IRIS), was at the helm of a thriving ISO. "Our clients were happy, our employees were motivated and the company I''d built over the last four years had become an unquestionable success – yet, all was not well," Akhrin recalled.\r\n\r\nLike all ISOs, Akhrin''s ISO, Bank Associates Merchant Services, faced increased competition and shrinking margins. Akhrin felt the company had an exceptionally organized sales force, strong strategic relationships and stellar customer service. He concluded the next step forward would have to be technological.\r\n\r\nAfter conducting extensive research, Akhrin found no existing system could meet the payments industry''s unique demands. So he decided to build his own. Akhrin, a Certified Payments Professional, holds a bachelor''s degree in business and technology management from Polytechnic Institute of New York University, so he brought both technical expertise and payments industry knowledge to the task.\r\n\r\nThe result? IRIS – a custom-built, web-based ecosystem of services designed to improve efficiency and serve clients better, while slashing ISO lead-to-boarding sales time. Word of the system soon spread. IRIS now serves a growing list of ISO clients that, cumulatively, manage tens of thousands of merchant accounts, Akhrin reported.\r\n\r\n#h2 Features for ISOs abound\r\n\r\nThe IRIS ecosystem features and integrations include:\r\n\r\n    Customer relationship management (CRM): dialer with recordings, calendar, marketing automation (including email templates), electronic signature\r\n    Merchant boarding: First Data Corp., NPC and others in development\r\n    Transactions: portfolio overview, drill down menus, card lookup, merchant statement lookup\r\n    Help desk: create, track, modify and resolve issues\r\n    Finance: residuals, one-time payments, profit and loss statements, custom user profiles\r\n    Value-added integrations: First Deploy, Apriva, Datawire, Authorize.net, BridgePay, ControlScan, Global eTelecom ACH, CareerBuilder and iContact\r\n\r\n    Akhrin said the fully integrated calendar automatically alerts outside sales representatives of upcoming appointments, while simultaneously serving as a tracking mechanism for inside sales agents. The IRIS data fields, including those within a merchant''s profile, and client categories are fully customizable, and notes stored in client profiles make it easy for team members to pick up where others have left off.\r\n\r\n    This automation combined with customization "allows for greater efficiency, as once the required account information is provided, IRIS is then able to automatically populate and produce a merchant-specific application – all at the click of a button," Akhrin said. "In editable PDF format, these on-the-spot applications enable merchants to sign up for processing – via secure e-signature – at the exact moment their interest peaks."\r\n\r\n    Data entered into the PDF application also flows back into IRIS so that it can be easily checked for accuracy. "With a few clicks of the mouse and in a fraction of the usual time spent, the account can then be onboarded to the ISO''s processor," Akhrin said, adding that IRIS is integrated with the largest platforms in the industry and that he will welcome calls from other processors interested in joining the ecosystem. He estimated IRIS reduces the workload for an ISO''s sales team by more than 60 percent.\r\n\r\n#h2    Demand among ISOs is growing\r\n\r\n    Once a merchant is signed, full data analytics feed directly into a common IRIS dashboard, offering both ISOs and merchants access to a variety of detailed performance metrics. ISOs can view each sales team member''s performance, if desired, as well as details on all merchant accounts, through "a single web application that provides a host of automatically refreshable charts and meaningful data analytics," Akhrin said. "IRIS even makes this information viewable on any Internet browser, tablet or smartphone."\r\n\r\n    Akhrin said IRIS is experiencing a "drastic increase" in demand for its services "The only way to continue realizing profits and position an ISO for future success is to increase efficiency, all while decreasing expenses," he said. "With IRIS, our clients have seen tremendous double-digit growth in volume of new merchants signed per capita of agents and employees." Akhrin believes this growth is "just the beginning."\r\n', 460, 1418681193, 460, 1418681303, 0),
(11, 9, 'Alpha Card Services releases new ISO/agent sign-on bonus program', '#image_1 Philadelphia, Sept. 23, 2014 -- Alpha Card Services, a leading payments processor and business solutions provider is now offering potential ISOs and Sales Agents up to a $20,000 sign-on bonus.\r\n\r\nAlpha Card Services’ sign-on bonus is based on new ISO/Agent merchant account productivity. An earned point system has been developed for the ISO/Agent based on specific Alpha Card products and services they sell the merchant. Bonuses will be paid out based on how many points an ISO/Agent accumulates during their first 100 days. When an ISO/Agent reaches a maximum of 300 points during their first 100 days, they will earn a $20,000 sign-on bonus.\r\n\r\n“Our sign-on bonuses could reach $20,000 very easily with our wide ranging business solutions for the SMB market; which ultimately helps the ISO or Agent gain additional points.â€ said Robert Heinrich, VP of Sales at Alpha Card Services. “Whether a new ISO/Agent signs up 1 merchant account or 120 accounts which are approved and processing in their first 100 days, they will earn a prorated production sign-on bonus.â€\r\n\r\n“Our empirical data clearly indicates that once sales offices and reps experience our superior level of customer service and our comprehensive product offering they generally remain loyal with us -- all while decreasing their merchant attrition and increasing their margins.â€ said Lazaros Kalemis, CEO of Alpha Card Services. “Our #1 goal is to prove to ISOs and Agents why we are a payments and business solutions industry leader. By offering the largest sign-on bonus in the industry, a potential ISO or Agent has absolutely nothing to lose by joining the Alpha Card team.â€\r\n\r\nTo receive further information about the ISO/Agent sign-on bonus program, please visit: http://thealphaedge.com/signonbonus/.\r\n\r\nAlpha Card Services, an Inc. 500 I 5000 company, has grown tremendously since its inception in 2000 and remains focused on adapting their award-winning services to meet the ever-changing business climate. Alpha Card Services, a Registered MasterCard® TPP and ISO/MSP of Wells Fargo Bank - Walnut Creek, CA was founded in 2000 as an agent and merchant friendly ISO. Since inception, the company has expanded their operations in both Pennsylvania and California, maintained zero hold times for over 5 years, and increased its product portfolio to credit and debit card processing, gift and reward cards, POS systems, Payroll Services, Working Capital, ATM services, check guarantee services, and will be introducing additional new products and programs throughout 2014.\r\n\r\nFollow Alpha Card Services:\r\n\r\nwww.alphacardservices.com/facebook .\r\nwww.alphacardservices.com/twitter .\r\nwww.alphacardservices.com/blog .\r\nwww.alphacardservices.com/linkedin .', 460, 1419445513, 460, 1419445564, 0),
(12, 10, 'Sage launches new mobile app for prepaid business card', '#image_1 Irvine, Calif., Dec. 6, 2013 -- Sage North America today announced new mobile capabilities for the Sage Business Prepaid Visa Card, which allows businesses to instantly allocate funds to employees while managing employee spending based on company policies. Using the Sage Business Prepaid Visa Card mobile application ("app"), businesses can place daily spending limits on cards and restrict card usage by merchant category. Administrators can also use the mobile app to set funding rules for each card as well as set zero balances and block cards. A real-time mobile dashboard provides functionality to view all card spending, replenish card funds and turn cards on or off. Additionally, cardholders can use the mobile app to view real-time card balances and previous transactions.\r\n\r\nSage Business Prepaid Visa Card customers are already seeing tangible results from the mobile capabilities. Janet Crow, controller for Covenant Life Church, Inc., Covenant Life School, Inc. and the OneU campus ministry in Gaithersburg, Md., finds the simplicity of the Sage Business Prepaid Visa Card mobile app most striking when using the product for all three of her organizations.\r\n\r\n"It''s so easy to log on and move money around, no matter where I am or how I''m accessing the system," said Crow. "We can track card usage, activate and terminate cards and block international use in order to reduce the risk of fraud. There are no limitations when using the mobile features of the Sage prepaid Visa."\r\n\r\nThe Sage Business Prepaid Visa Card allows employers to control where money is spent and increases organizational efficiency through reduced paperwork, simplified administration and robust reporting tools. The card can be used everywhere Visa cards are accepted worldwide and enables businesses to send money to employees in real time through an administrative website or mobile app.\r\n\r\n"Businesses need to be able to view and manage their expenses regardless of their physical location," said Greg Hammermaster, president of Sage Payment Solutions, the payments division for Sage North America. "With that in mind, the Sage Business Prepaid Visa Card now includes mobile feature enhancements that allow employee cardholders to request funds and employers to appropriate funds while on the go. By integrating mobility with traditional plastic Visa cards, cardholders have visibility to their card balance and spending activity, and businesses have the visibility and controls required to more broadly distribute business cards to their employees and contractors for purchases."\r\n\r\nNo credit checks on the company or owners are ever performed during the Sage Business Prepaid Visa Card enrollment process. Businesses can easily sign up for the prepaid card and then view and manage their entire prepaid card program online and through the new mobile app. In addition, the Sage Business Prepaid Visa Card is interest-free and there are no overdraft fees. Businesses using the Sage Business Prepaid Visa Card can benefit from reduced administrative costs associated with employee reimbursements and cash advancements.\r\n\r\nSage Business Prepaid Visa Card customers have 24/7 access to their detailed transaction reports and monthly statements. For more information about Sage Business Prepaid Visa Card, visit www.sagepayments.com/SageBusinessPrepaidVisaCard or call 800-652-2370.\r\n\r\n#h2\r\nAbout The Sage Group plc\r\n\r\nWe provide small and medium-sized organizations with a range of easy-to-use, secure, and efficient business management software and services -- from accounting and payroll to enterprise resource planning, customer relationship management, and payments. Our customers receive continuous advice and support through our global network of local experts to help them solve their business problems, giving them the confidence to achieve their business ambitions. Formed in 1981, Sage was floated on the London Stock Exchange in 1989 and entered the FTSE 100 in 1999. Sage has over 6 million customers and more than 12,700 employees in 24 countries covering the UK & Ireland, mainland Europe, North America, South Africa, Australia, Asia, and Brazil. For further information please visit: www.sage.com .\r\n\r\nFor more information about Sage in North America, please visit the company website at NA.Sage.com. Follow Sage North America on Facebook, Facebook.com/Sage, and Twitter, Twitter.com/SageNAmerica.\r\n\r\n©2013 Sage Software, Inc. All rights reserved. Sage, the Sage logos, and the Sage product and service names mentioned herein are registered trademarks or trademarks of Sage Software, Inc. or its affiliated entities. McKesson Mobile delivery is a registered trademark of McKesson Corporation. All other trademarks are the property of their respective owners.', 460, 1420052032, 460, 1420052245, 0),
(13, 11, 'A global platform for merchants', '#image_3 W hen EVO Merchant Services rebranded as EVO Payments International LLC in November 2012, the privately held payment processor and acquirer, in operation since 1989, shifted focus to international expansion and technological innovation. Today the 1,000-plus employee company processes in excess of $50 billion in payments annually for over 400,000 merchants worldwide. It has offices in the United States, Canada and Europe.\r\n\r\n"For many years EVO''s desire was to continue to grow the company," said Jeff Rosenblatt, President of EVO. "The question was how do you go about doing that intelligently in the marketplace?" Part of the solution came in December 2012 when private equity investment firm Madison Dearborn Partners agreed to purchase minority ownership in EVO to fund the company''s international expansion and growth initiatives.\r\n\r\nEVO then acquired the e-commerce and POS payment platform PowerPay, which extended the company''s e-commerce capabilities domestically and abroad. EVO E-Commerce emerged, and the company was able to integrate with more than 10,000 value-added reseller and software development channels previously established by PowerPay, according to Rosenblatt.\r\n\r\nIn June 2013, EVO completed acquisition of Deutsche Card Services, a wholly owned subsidiary of Deutsche Bank. It now operates under the name EVO Payments International GmbH. "It provided us with actual license, which means we are recognized as a member in over 42 different countries across Europe," Rosenblatt said. "Deutsche Card Services supports a very large group of multinational clients."\r\n\r\nFollowing the DCS acquisition, EVO entered a joint venture agreement with Grupo Banco Popular, Spain''s fifth largest banking group. EVO thus has a controlling interest in the bank''s merchant acquiring business in Spain and, as an exclusive merchant services provider for GBP''s branch network, EVO has further strengthened its position as a global competitor, Rosenblatt noted.\r\n\r\nGoing the extra mile Integral to EVO''s success for nearly a quarter century has been a strong commitment to its stated core values of reliability, collaboration, sustainability and innovation. For example, one of EVO''s largest partners was experiencing rapid growth and needed to expedite boarding of e-commerce merchants.\r\n\r\n"We met the challenge by developing an integrated online application that could be embedded into our partner''s existing online customer setup process," Rosenblatt said. "The flexibility of our underwriting department to quickly review and approve merchants played an integral role in the overall success." He added that the streamlined solution for this partner has significantly reduced approval time, facilitated the quick boarding of new merchants and grown the monthly application count significantly.\r\n\r\nConsistent with this theme, EVO continues to develop sales partner and distribution channels, add proprietary product offerings, provide knowledgeable support services, and automate such ISO-critical functions as merchant boarding and risk monitoring. "We have developed our own front-end and back-end processing infrastructure," Rosenblatt said. "We offer an array of advanced gateway and integrated solution products that has created a solid foundation for Internet-based card processing."\r\n\r\n#image_4\r\n\r\n#h2Opportunity knocks\r\n\r\nIn September 2013, following acquisition of a perpetual software license from IP Commerce Inc., EVO launched an integrated payments division called EVO Snap.\r\n\r\n"EVO Snap basically powers developers to create customized, multichannel commerce applications and services to support many customers across traditional POS, mobile, e-commerce and cloud-based solutions," Rosenblatt said. "It streamlines the different payment options, the value-added services, and really gives them one integration point and delivers these kinds of bundles of services to developers. We do it through a very simple API [application programming interface]."\r\n\r\nAnother strength that ISOs and merchant level salespeople (MLSs) in the United States can exploit is EVO''s expertise regarding the Europay/MasterCard/Visa standard. "I think we are learning from some of our experience in the Canadian and European market that EMV can be a very valuable tool and asset. And it''s very consumer friendly." Although adoption will take time, he views it as an opportunity to open a dialog with merchants. ', 460, 1420054931, 3, 1420222698, 0);
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(14, 12, 'Voice from Transact - Part 2', '#image_1 Voice from Transact - Part 2\r\n\r\nThis story originally appeared in The Green Sheet Issue 140601 on June 9, 2014.\r\n\r\nIn our May 12 issue, we published "Voices of Transact 14," which contained a portion of interviews done by The Green Sheet at the Electronic Transactions Association''s annual meeting. The event was revamped this year and renamed Transact 14: Powered by ETA.\r\n\r\nThis article contains the second, and final, segment of those interviews. Thanks to all the busy executives who shared their goals for their companies, insights into new products and opportunities, thoughts on how we can do a better job of securing the payments ecosystem, as well as on how to navigate the historic changes taking place in the industry.\r\n\r\n\r\n#h2 AnywhereCommerce executives: Mitch Cobrin, Chief ExecutiveOfficer and co-founder Debra McAteer, Vice President,U.S. Reseller & ISO Channel\r\n\r\nMitch Cobrin, Chief Executive Officer and co-founder of AnywhereCommerce, had much to be pleased about at Transact 14. In particular, the company was previewing its mSuite mobile commerce ecosystem, and it released its AC CorePay Opened SDK development interface, which Cobrin said is a secure, reliable tool for developers and independent software vendors. Additionally, Cobrin was working closely at the AnywhereCommerce booth with payment veteran Debra McAteer, who recently joined the company as Vice President of Sales for U.S. Resellers and ISOs.\r\n\r\n"The mSuite is essentially a three-pronged solution: gateway, software and hardware," Cobrin said. "It isn''t about hardware; it''s a provisioning suite that is processor and acquirer agnostic. The gateway also has a back-end merchant portal that can do bulk uploads of merchant accounts. It has a host of features that are less typical of gateway infrastructures, and our portal offers every tier of administration; people with different credentials can see different things, depending on how the credentials are set up."\r\n\r\nCobrin said AnywhereCommerce has a strong relationship with Microsoft Corp. and supports Windows 8 across devices, including smartphones using Windows 8. And the company''s hardware accepts mag stripe, Europay/MasterCard/Visa (EMV) chip and signature, and EMV chip and PIN payments. He noted, "We''re ready for when EMV chip proliferates in the U.S.; we''re already on our second generation of product and have great experience on the product from doing business in other parts of the world, including Latin America and the Asia-Pacific region."\r\n\r\nCobrin said the mSuite is a turnkey product for ISOs. "They don''t have to deal with three different service providers – hardware, software, gateway – it''s full service. ... All they have to do is bring marketing expertise and customers, and we''ll take care of the technology behind it and the transparent data accessibility."\r\n\r\nAs for McAteer, Cobrin referred to her as a payments sales guru. "She''s an industry veteran, and by the look of things, she''s got movie star qualities by her presence in the industry," he said. "She''s going to be leading the charge for us in the ISO community. We''re thrilled. She''s only been with us about a week, and she''s already dazzled us."\r\n#h2\r\n\r\n#h2 TSYS executives: Susan M. Sheen, TSYS Acquiring Solutions Group Executive, Marketing, Communications and Business Support (pictured) Lisa Ludolph, Associate Director, Sales & Marketing\r\n\r\nOver breakfast at THE cafe at Mandalay Bay (seasonal fruit, berries and lusciously thick whipped cream, and good old-fashioned bacon and eggs), TSYS executives Susan M. Sheen and Lisa Ludolph shared their excitement about TSYS'' decision to try something different this year at Transact 14. Instead of manning a booth, TSYS execs were on hand in a meeting room they''d rented in the exhibit hall for the duration of the show.\r\n\r\nSheen, TSYS Acquiring Solutions Group Executive, Marketing, Communications and Business Support, said, "We took one of the meeting spaces and turned it into a product lounge where we are essentially showing what I call our very flashy products: our mobile tablet solutions, and even our back-end solutions, our analytics-type products, and essentially showing how clients can use all the data they can collect, share that with their merchants and build their portfolios with these tools. We have really expanded our back-end solutions."\r\n\r\nSheen added that the meeting room has been very effective as a way to maximize business opportunities. "Anybody who is coming to us now wants to do business with us, both prospects and existing clients who want to expand the relationship," she said. "We''re still very active in ETA. We sponsored the mini programs for this show and will continue to be a sponsor. We just wanted to make the most effective use of our time and sales resources and not just have a booth because it''s what we''ve done in the past."\r\n\r\nAt the show, TSYS was also demonstrating TSYS Merchant Insights, a value-added service ISOs can offer to their merchant customers.\r\n\r\n"It''s a free social media-based tool that essentially takes care of that, so merchants can run their business and not worry about Yelp scores and other social media feedback," said Ludolph, Associate Director, Sales & Marketing at TSYS. "It aggregates the data and feeds it into one dashboard merchants log into and see how they''re comparing to their competitors, and if they''re getting negative feedback, it presents all the tools to make it easy for them to respond immediately and take action."\r\n\r\nSheen said TSYS partners with Womply to provide the social media tool, and when TSYS first offered it to 10,000 merchants, every one of them claimed the dashboard. "That''s when we made the decision to offer it more broadly and to keep enhancing it and adding to it," she said. Other features enable merchants to reach out to customers with loyalty programs, special discounts and other targeted offers.\r\n\r\n\r\n\r\n#h2 Paul Rasori, Executive Vice President, Product & Marketing, Powa Technologies\r\n\r\nPaul Rasori, Executive Vice President, Product & Marketing for Powa Technologies, was a man on fire (in a good way) at Transact 14. "The response that we''ve gotten this week is beyond our expectations," he said while demonstrating the PowaPOS offerings at the company''s booth. "I''ve had lots of people come here and say, ''I was told I had to look at this product.'' ... I''ve been in this industry a long time and haven''t seen excitement like this in – forever."\r\n\r\nSo what was all the buzz about? A set of integrated products Rasori called "future perfect." These include PowaPOS and PowaPOS software development kit, PowaWEB and PowaTAG.\r\n\r\n"The consumer download app is called PowaTAG," Rasori said. "It asks several questions, such as name, address and credit card info, and stores that on your behalf in a cloud-based wallet. We work with merchants to put PowaTAGs on merchandise and advertising, and we already have 30 brands signed up for it." PowaTAGs can be in the form of quick response codes consumers scan or screen icons consumers touch to make purchases, as well as audio recordings that contain a purchasing function.\r\n\r\nPowaWEB is a software-as-a-service, cloud-based solution for e-commerce that PowaPOS believes is ideal for brands looking to extend their presence globally while working the local, domain, currency and language.\r\n\r\nPowaPOS is a hardware and software platform designed to customize the payment experience at the physical POS and on the move. "This show is all about PowaPOS, the third leg of this everywhere commerce ability," Rasori said. "A trend in retail is the move toward smartphone- and tablet-based systems. ... Many POS configurations are all separate pieces with separate power connectors and pieces, separate PIN pad devices, and they''re expensive, unreliable and look terrible. We''ve created an all-in-one solution with all pieces in one small footprint, using a single power cable."\r\n\r\nIncluded in the compact, swivel device are a universal tablet POS, payment terminal that includes EMV acceptance capability, two-dimensional QR and bar code scanner, thermal printer and cash drawer. In addition, Rasori noted that the PowaPIN device, which is smaller than the palm of a typical woman''s hand, supports all verification methods, including chip and PIN, chip and sign, swipe and PIN, and swipe and sign. "And it''s all PCI compliant," he said.\r\n\r\n#h2 ControlScan executives: Joan Herbig, Chief Executive Officer Stacey Holleran, Senior Manager, Corporate Communications\r\n\r\nPayment security and compliance solution provider ControlScan has historically researched acquirers'' PCI practices, as well as merchants'' views on security and compliance.\r\n\r\n"Now we''re looking at new avenues," Stacey Holleran, the company''s Senior Manager, Corporate Communications, told The Green Sheet at Transact 14. "We surveyed small merchants to find out what they''re thinking about Windows XP, whether they were aware Microsoft was going to end support for XP ... if they knew they were running XP or had no clue what they were running ... to find out where they were at, so we could meet them with educational content and help acquirers with educational content as well."\r\n\r\nControlScan found that 93 to 94 percent of merchants surveyed knew XP support was going to expire, but less than half said they were concerned about the security ramifications. Herbig added that the company is focusing on shorter studies "so we can push out information and education quickly to merchants and their service providers to better service them."\r\n\r\nFor example, ControlScan''s mobile study was in its second year last year and was very well received, according to Herbig. "We''re going to recalibrate with that study and home in on specific segments of mobile payments to figure out how small merchants are dealing with mobile," she said. "We''ve seen a significant increase year over year of merchants adopting tablet and smartphone devices to accept payments, so we want to delve into that."\r\n\r\nAt the show, ControlScan was also touting two recent partnerships. Just days before Transact 14 began, the company heralded its new partnership with Plano, Texas-based iScan Online to address security issues that arise due to consumer-grade mobile-device use in small to midsize business environments. Via this new relationship, ControlScan created ProTect Mobile, a tool for securing Apple iOS and Google Android mobile devices.\r\n\r\nProTect Mobile is a mobile scanning solution acquirers can make available to merchants so they can scan mobile devices being used in their operations; it provides the ability to detect vulnerabilities and protects cardholder data; it looks for information on the device that should not be stored and alerts merchants to the presence of that data, Herbig said.\r\n\r\nPer the second partnership, announced during the show, ControlScan is now working with Israel-based EverCompliant, which provides merchant security risk and compliance management solutions. The aim of this partnership is to provide acquirers leading-edge brand protection monitorin\r\n\r\n#h2 Shan Ethridge, Vice President & General Manager NAFG, VeriFone\r\n\r\nThursday afternoon, the show was winding down, but VeriFone''s booth was still busy, and Shan Ethridge, the company''s Vice President & General Manager NAFG, was still affably energetic as he sat down with The Green Sheet to discuss some of VeriFone''s recent developments.\r\n\r\n"This is one of the most interesting times in this industry," Ethridge said. "We''re seeing so many changes, especially with technology, so that merchants are going to have more access to data that will help them learn more about their customers. VeriFone wants to be an enabler in offering technology and solutions that help merchants grow their business through understanding consumer behavior."\r\n\r\nEthridge noted that VeriFone offers a range of solutions that help meet those objectives. "We have everything from cloud-based solutions to new and improved hardware that is going to be critical to helping merchants really understand how they can expand their offerings. ... We can''t be all things to all people. We can''t do it alone, so it''s important to work with the right partners to make sure we''re offering a soup-to-nuts solution to the market."\r\n\r\nA primary objective for VeriFone at the show was to let the industry know that VeriFone is not just a terminal manufacturer. "We want to develop partnerships in the industry that allow us to be a critical component in commerce enablement," Ethridge said. "It''s not just about the card swipe; it''s about the experience, and it''s about the data."\r\n\r\nEthridge added that the show was a positive experience for VeriFone. "We''ve received very good feedback," he said. "Our CEO, Paul Galant, was in attendance and was part of the keynote on Wednesday, and he''s very pleased with the response he''s received personally with a number of partners that he''s met." ', 460, 1420738840, 460, 1420739412, 0),
(15, 13, 'Kaplan an ideal fit for TMS', ' #image_2 It''s not surprising Joe Kaplan''s appointment to Chief Executive Officer at Total Merchant Services Inc. generates interest among so many in the payments industry. Kaplan made his first mark as an acquirer in 1994 when he started Superior Bankcard Service and, in less than a year, built it into the 12th largest nonbank acquirer in the United States.\r\n\r\nHe later sold Superior Bankcard Service for $100 million and started a new company, Innovative Merchant Services, in 1999. Four years later, Intuit Inc. acquired IMS for $116 million.\r\n\r\nKaplan stayed on to head Intuit''s payments division after the merger, and from 2003 to 2009, he grew the division''s yearly revenues from $24 million to $400 million, and expanded the work force from 95 to just under 1,000 employees.\r\n\r\nFast forward to 2011. Ed Freedman, TMS Chairman and founder, consulted with Kaplan about his company''s search for a new CEO.\r\n\r\n"We wanted a person that''s led large merchant account acquiring organizations, a person that really understood it all - sales and marketing, operations, finance and technology," Freedman said.\r\n\r\n"We wanted an industry veteran, a person that everyone knew and respected. In summary, we wanted a ''Joe Kaplan'' - a real rainmaker."\r\n\r\nAnd they got him.\r\n#h2\r\nA new challenge\r\n\r\nSo why did the man who already built two companies and sold them for a combined $216 million take on a new challenge leading another payment company?\r\n\r\n"Being retired isn''t all that it is cracked up to be," Kaplan said. "I am not hardwired to be idle. I actually enjoy working and figured that I should do something I know and love.\r\n\r\n"Doing something just because you love it and not because you need the money is a great place to be, and from that point it was easy."\r\n\r\nKaplan knew what it was like to start a company and was looking for a different kind of opportunity. "I wanted to lead a company that had a lot of runway where I could add value coupled with having fun at work with partners that were smart, aggressive and that I could trust," he said, adding that TMS met those criteria and was looking to expand.\r\n#h2\r\nSolid plans\r\n\r\nKaplan said TMS will make large investments in existing programs, sales channels and technology. "Our new mission statement, which will dictate our strategies and priorities, is to become ''The premier global provider of easy to use business and payment solutions that can be used on any device, anywhere, anytime which inspire and empower our customers'' success,''" he noted.\r\n\r\nThe new CEO believes TMS is in "a terrific financial position. It generates an enormous amount of free cash flow. We are looking to reinvest this money to grow the business aggressively."\r\n\r\nThe cash will be turned into upgrades and improvements in program and product offerings, customer boarding (including enhancements to application processing and underwriting), and technology, Kaplan added.\r\n\r\n"In the end, we are going to create a big gap between us and the rest of our competitors in regards to - world class customer service, ease of doing business and sales partner support," he said.\r\n\r\n"In addition to having the best program offering, we are going to provide technology, products and service levels that will be the envy of the entire industry."\r\n\r\nKaplan believes TMS sales channels are depending on the company to take the mission statement to heart. To this end Kaplan hired Jeff Broudy, who formerly worked for him as head of Intuit''s Payment Sales Division.\r\n\r\n"Jeff was one of the first people I called, when I decided to get back into the bankcard industry and to join Total Merchant Services as its CEO," Kaplan said. "His experience of building the payments division at Intuit, only reinforces the many reasons that I am excited to have Jeff as a key member of our leadership team."\r\n#h2\r\nThe shifting landscape\r\n\r\nThe payments industry''s dynamics have changed significantly since Kaplan stepped down as the head of Intuit''s payments division in 2009. How will Kaplan and TMS adapt?\r\n\r\n"The payments landscape is not immune to change, as most everything evolves and looks different," he said. "Change is actually a great accelerant to growth and allows well positioned companies to take advantage of the many opportunities that are created as a byproduct of that change.\r\n\r\n"The most amazing opportunity that is created is that most companies will continue to play where the puck is and not where it is going to be. Innovation, guts, insight and the fundamental quest to provide an amazing partner and customer experience will separate companies who will enjoy the new world."\r\n\r\nKaplan said there are no plans to sell the company. "We have a great strategy to succeed and plan on growing aggressively over the next five to 10 years," he said. "There are simply too many opportunities in front of us and way too much fun. Truly, this is the most fun I can have with my clothes on." ', 460, 1421276806, 460, 1421276958, 1),
(16, 14, '', '#image_1 Simultaneously satisfying merchants and galvanizing sales agents in the fast-paced world of merchant acquiring can be arduous for ISOs. But customer relationship management (CRM) and sales automation tools exist that can help payment professionals do just that.\r\n\r\nSince April 2000, Sacramento, Calif.-based POS Portal Inc. has striven to set new standards not only for the merchant acquisition and boarding process but also for the ongoing delivery of merchant services. Today, the company is proud to report its automated POS equipment deployment services and on-demand, cloud-based solutions have thus far enabled scores of ISOs to secure long-term relationships with agents and merchants - and thereby maximize the profitability of their merchant portfolios.\r\n#h2\r\nMeeting of minds\r\n\r\nTwo people who have been instrumental in POS Portal''s development are co-founders Kent "Buzz" Stryker, the company''s President and Chief Executive Officer, and J. Benjamin Smith, its Chief Information Officer. Stryker, with 20 years'' prior sales and deployment services experience, meshed perfectly with Smith, who brought to the venture equal tenure in software development, forensics and information technology.\r\n\r\n"Buzz did the sales aspect and had the vision of how he wanted the software solutions to look uniquely tailored to the acquiring industry, and Ben had the development talent," said Joe Villamil, Vice President, Business Development and Sales for POS Portal. "We entered deployment services, providing equipment and just-in-time deployment services to the acquiring industry.\r\n\r\n"We''ve also been in the equipment wholesale business since inception, and we''ve been providing software solutions for our clients ... specifically sales automation and CRM applications for the merchant acquiring industry."\r\n\r\nPOS Portal operates two deployment facilities, one in Sacramento and the other in Louisville, Ky., and has the capacity to ship 6,000 orders daily. The company reportedly provides equipment deployment services to eight of the top 40 payment processors, who in turn serve the deployment needs of over 700,000 merchant locations nationwide.\r\n\r\nAccording to Villamil, POS Portal serves everyone from Tier 1 acquirers to merchant level salespeople (MLSs). The company also has a niche providing equipment rentals "both in a white-label environment to our Tier 1 financial institution acquirers and a non-white-label solution that we provide to any ISO or MLS agent who would like to provide a rental opportunity in their portfolio," Villamil said.\r\n\r\nTo further advance the automation process, POS Portal released a free smart phone application that connects ISOs to POS Portal''s Online Store. With POS Portal Mobile App (see "An app that could clench the deal," The Green Sheet, Feb. 28, 2011, issue 11:02:02), agents can view real-time pricing, check availability, and place orders for POS equipment and supplies.\r\n#h2\r\nGrowing the P2 platform\r\n\r\nThe software side of POS Portal can be described as analogous to a large, professional software shop. "We have about 13 developers," Villamil said. He added that the company has distinct staff dedicated to information technology, quality assurance, project management and business management.\r\n\r\nScott Agatep, POS Portal Vice President, Product and Marketing, said the company''s fleet of developers created its new platform, P2, which launched in 2010 and was built on Salesforce.com''s web application platform, Force.com. "We''re bringing a very modern, cloud-based CRM application that''s preconfigured for the merchant acquiring industry," he noted.\r\n\r\nCincinnati-based merchant services provider Infintech LLC routinely boards 150 accounts each month and feels P2''s CRM system has been essential in establishing the company as one of the area''s fastest growing businesses.\r\n\r\n"We''re much more efficient, especially our tracking," said Joff Moine, Chief Operations Officer at Infintech. "We needed something that integrated with our call center along with our sales team and our management team - one interface that we could all look into and see real-time updates on client activity, tracking prospects, closed opportunities, things of that nature.\r\n\r\n"This gave us that single-point solution that we were all able to interface with, and it''s really made us a lot more efficient. We don''t have things slipping through the cracks anymore."\r\n\r\nAgatep pointed out that P2 is very much an end-to-end solution. He said it "goes all the way from a lead coming on the sales side and tracking all the activity around sales, through the back-office or application processing cycle of boarding that merchant and all the activities and statuses around that, to post-boarding activities of customer service, deployment, risk monitoring, chargeback management and all the post-boarding activities that an acquirer or ISO would need to do."\r\n\r\nPOS Portal indicated it is Payment Card Industry Data Security Standard compliant, and all of its online P2 modules for ISO office functions, residual payout and risk management are supported by fully redundant data centers. "We have two data centers, so there''s an option to house transaction data at POS Portal," Agatep said. "It''s a product called Transaction Data Hosting and it delivers that transaction data through P2 to our customers.\r\n\r\n"The product itself has the ability to support the larger acquirers as well as support the smaller independent sales organizations that maybe have four or five users and are building their portfolio over time." He added that with the hosting service, ISOs can stay connected with multiple payment processors and simultaneously house all data in a secure environment.\r\n#h2\r\nThe profit trackers\r\n\r\nAnother P2 module is the Residual Payout Engine, which allows ISOs to work with files from multiple processors. "The product enables them to upload all files into our system and not only calculate residuals for all of their sales agents, be it W-2 or 1099, but it also provides them profitability and analytics from a portfolio level so they can see their entire portfolio within our P2 solution," Villamil said. "Once an ISO has calculated residuals using the payout engine, they can post residuals to the sales portal so that 1099 sales agents can see their overall profitability and see how much they''re being paid by the ISO."\r\n\r\nThe authenticated sales agent portal provides agents a quick overview of which merchants are processing payments and which ones are not, Villamil noted. He added that P2 also "enables the ISO office to attract more agents, get more business, because they have their brand front and center of the agents who are out there in the market.\r\n\r\n"They are offering them a tool that allows them to manage their opportunities as well as provide them the ability to see their payouts all in one spot rather than creating emails and phone calls and other offline sorts of communication."\r\n\r\nBrady Nash, CEO of BNG Holdings Inc., a North Dakota-based ISO, also relies on POS Portal. "I''m the CEO, but I''m also a sales guy at heart," he said. He feels POS Portal makes it easier "to work with someone, reach an agreement to get their business coming to us ... find what''s going to work for them, whether it''s lower rates, bonuses, high residual splits or free terminals, and really put together a package on a per case basis for the rep and still track it without any manual processes.\r\n\r\n"Where I think a lot of companies really screw up is they don''t give you the flexibility to control your compensation. [POS Portal''s] CRM does a very good job of that, and what I mean by that is when you get income sources from different areas, there are certain things that ISOs want to be able to do."\r\n\r\nVillamil offered an example of POS Portal''s flexibility: ISOs working with referral partners to generate leads can have each partner enter leads directly into a referral partner portal. The partner can then track the status of each lead and monitor residual income through the system. "That''s hard to come by in the industry, something that''s affordable but yet is robust enough for people to use," Villamil said.\r\n\r\nPOS Portal also augments ISO residuals via online marketing. "[For] the large acquirer who we''re co-branding, some email marketing goes out to their merchants, and then their merchants can order supplies and we''ll fulfill the orders on their behalf," Villamil said. He added that residual income on each order is calculated and processed automatically.\r\n#h2\r\nFormula for success\r\n\r\n"They get to know your business," said Moine of Infintech. "They flew out here, got to know us, got to know our salespeople, found out what we like to do, met with our call center, spent a lot of time with us getting to know our business and how we operate, especially in an industry where there are so many different ISOs.\r\n\r\n"We all do things a little differently. They weren''t trying to create a generic solution."\r\n\r\nBNG''s Nash agreed. "I work with a lot of different companies, and anytime there has ever been an issue or something needed to be fixed, they answer their phone, they answer their emails, and they work on it and let you know what''s going on versus not believing you and not responding," he said.\r\n\r\nDo problems arise? Sure. But POS Portal is "always working to make it better and they take our input, so that''s pretty valuable," Nash said. "I really believe the CRM can manage your whole business. If that''s not right, if your sales guys can''t get accurate information, you''re not going to keep your sales guys."\r\n\r\nIt appears POS Portal is in synch with its stated core mission: to provide exceptional service to the payments industry through partnership. ', 460, 1421362743, NULL, NULL, 0),
(17, 15, 'The Apple Pay versus bitcoin debate', '#image_1 A key metric for measuring the success of emerging payment solutions has always been its rate of merchant adoption. Generally, this metric is indicative of consumer demand for the product as well. In the case of bitcoin, merchants and consumers alike have been slowly warming to the innovative crypto-currency, but the product has not yet earned high favor among mainstream processors or the merchant majorities they serve.\r\n\r\nBitcoin has made some headway into the merchant market by way of integrating with POS software. For example, NCR Corp.''s POS solutions provider NCR Silver experienced a flurry of merchant activity immediately upon adding bitcoin to its supported product set. Comparing this activity to the company''s previous additions of Apple Inc.''s Apple Pay and PayPal Inc. payments, Reggie Kimble, Product Manager at NCR Silver, stated, "I would say this [product] has probably been the most well received in terms of people commenting and people reaching out proactively to ask questions about the offering."\r\n\r\nOne crypto-currency enthusiast The Green Sheet contacted went so far as a claim this statement could foster the belief that merchants now prefer bitcoin over Apple Pay; professionals in the payments industry express more moderate views.\r\n#h2\r\nBitcoin intriguing\r\n\r\n"We''ve had some inquiries about both [products]," said Daniel Kornitzer, Chief Product Officer at Optimal Payments Plc, when asked about the merchant activity surrounding his company''s recently disclosed plans to support an Apple Pay software development kit for in-app payment transactions. "In Apple Pay''s case, many of the merchant inquiries were around our October announcement, whereas for bitcoin, it''s been more of a steady trickle."\r\n\r\nKornitzer also noted how exciting and intriguing the bitcoin product is for the market, and said his company is "looking at it favorably, even though we haven''t announced plans to support it."\r\n\r\nAs far as whether he expects a higher level of merchant interest in bitcoin, Kornitzer said, "Apple carries a certain amount of weight, and they''ve cleverly elected to preserve the role of payments in the payments value-chain by inserting themselves into the chain, versus trying to change it."\r\n#h2\r\nApple Pay well positioned\r\n\r\nDespite device platform limitations that inhibit Apple Pay''s ubiquity, Kornitzer believes Apple Pay is positioned to easily exceed the small market share bitcoin has been steadily gaining.\r\n\r\nWhile Apple predicted it would have 25 million subscribers on the Apple Pay platform by the end of 2014, bitcoin made strides through lower profile, yet equally as capable avenues. BitPay, a bitcoin payment processor, demonstrated the new Bitcoin Checkout product at the 2014 Money20/20 conference in Las Vegas. The near field communication-based tool, designed to assist merchants using Android devices with acceptance of bitcoin, was reportedly well received at the event.\r\n\r\nIn addition, major online retailers such as Overstock and Blockchain set an early bar for promoting bitcoin as a form of payment, and PayPal recently added the alternative currency to its platform for merchants to accept. Does this mean bitcoin could be in the running to outpace, or even match stride with Apple Pay?\r\n#h2\r\nComfort an issue\r\n\r\nJared Isaacman, Chief Executive Officer at Harbortouch, doesn''t think so. In October 2014, his company launched Perkwave, an Apple Pay-enabled mobile application that effectively sidesteps the EMV (Europay, MasterCard and Visa) process by using Apple''s mobile wallet solution to conduct pay-at-the-table transactions. "We received thousands of emails and calls from merchants who were afraid they would lose business from customers if they didn''t have Apple Pay," he said.\r\n\r\nAccording to Isaacman, Apple made it easy for both merchants and consumers alike by "choosing to ride the rails of the existing payments industry." He believes Apple took the approach of making a better experience for the mobile user, and this has already created high merchant demand for the product.\r\n\r\nIsaacman also noted that bitcoin is still contending with the questionable reputation it gained early on when the currency was used to handle anonymous, underground purchases. Calling it a "guilty-by-association" standing, he summed up his reason for choosing Apple Pay over bitcoin in one succinct statement: "If I can''t convince my mother to use her iPhone to pay a bill, I sure won''t convince her to use a crypto-currency." ', 460, 1421867372, 460, 1421867452, 1),
(18, 16, 'TransFirst and AnywhereCommerce Announce Strategic Alliance', '#image_1Hauppauge, New York (January 8, 2015) – TransFirst®, a leading provider of transaction processing services and AnywhereCommerce, a global payments technology provider, have announced their alliance to provide greater value to TransFirst’s merchant customers. This arrangement enables the integration of AnywhereCommerce’s Rambler 2.0 and 3.0 mobile card acceptance hardware into TransFirst’s ProcessNow® Mobile and ProcessNow Register secure payment solutions. With ProcessNow’s flexible and portable processing capabilities, merchants can customize their point of sale to help streamline operations and enhance the customer experience.\r\n\r\n“We are looking forward to working with AnywhereCommerce in introducing compelling mobile commerce technologies into this fast-growing market,â€ said Craig Tieken, Vice President of Product and Integrations for TransFirst. “The company has a well-earned reputation for delivering superior products in terms of innovation, user experience, and reliability. Through this agreement, we expect to offer merchants a number of robust solutions that provide the flexibility, functionality, and dependability they demand.â€\r\n\r\nAnywhereCommerce mobile commerce solutions employ patented audio-jack attachable and Bluetooth® connectable technology, as well as highly secure encryption that enables any smartphone, iPad®, tablet, or mobile device to be transformed into a fully-functioning, highly-secure, mPOS terminal. Its versatile lineup consists of flexible appliances that support a variety of card-based payment presentation methods, including EMV® chip and PIN card transactions.\r\n\r\n“This agreement marks another major milestone for AnywhereCommerce in our continued expansion throughout the United States,â€ said William Nichols, president and Chief Executive Officer of AnywhereCommerce. “It confirms our commitment to developing and contributing to mobile commerce solutions of exceptional quality, expanded capability, and dependable functionality. At the same time, it validates our ability to serve the evolving needs of the American market. We are very pleased with this important new relationship.â€\r\n\r\n\r\n#h2\r\nAbout TransFirst, LLC\r\n\r\nA leading provider of secure transaction processing services and payment enabling technologies, offers innovative products and services designed with financial institution, independent sales organization, healthcare, e-commerce, government and merchant customers’ unique needs in mind. By collaborating with our customers and utilizing strong industry knowledge, we can help them grow their businesses. Founded in 1995, TransFirst continues to attain significant market share and world-class expertise in growing and profitable industry segments. Built on a platform of personal service, customer commitment and flexible pricing, TransFirst is headquartered in Hauppauge, New York, and has operations facilities in Aurora, Colorado; Broomfield, Colorado; Franklin, Tennessee; and Cypress, California; and executive headquarters in Dallas, Texas. Company-wide, TransFirst currently processes approximately an average of $48 billion in annual sales volume. For additional information, please call 800.745.2659 or visit www.TransFirst.com.\r\n#h2\r\nAbout AnywhereCommerce\r\n\r\nAnywhereCommerce is a global mobile payments technology provider with a portfolio of IP, including the defacto audio-jack patents.  Currently selling to many of the top 20 merchant acquirers, AnywhereCommerce offers their proprietary ‘AnywhereCommerce mSuite’ which includes their global aCommerce Gateway,  payment acceptance devices and software applications for secure mobile; card-present credit, debit, Chip (PIN or signature),and NFC transactions.  The ‘mSuite’ is designed for iOS®, Android™, Windows 8® and Windows Phone and offers end-to-end white label and customized hardware for retail line-busting and mobile field services.  Our PCI and EMVCo certified ecosystem provides optimal security, reliability, convenience and return on investment for merchants, networks, issuers, processors and acquirers.  For more information, please visit www.AnywhereCommerce.com\r\n\r\niPad is a trademark of Apple Inc. The Bluetooth® word mark is a registered trademark owned by Bluetooth SIG, Inc. Trademarks are the property of the respective owners and are not necessarily affiliated with TransFirst. EMV is a registered trademark in the U.S. and other countries and is an unregistered trademark in other countries, owned by EMV Co. Android is a trademark of Google Inc. Windows is a registered trademark of Microsoft Corporation in the United States and/or other countries.', 460, 1422471454, 460, 1422472926, 0),
(19, 17, 'Merchant Warehouse rebrands as Cayan', '#image_1Boston, Jan. 5, 2015 - Merchant Warehouse®, the leading provider of payment technologies and processing solutions, today unveils its new name, Cayan™. The new identity reflects the company''s bold vision and commitment to continued innovation in the future.\r\n\r\nMerchant Warehouse launched in 1998 with a focus on credit card processing and merchant services. A few years ago, they jumped on a massive opportunity that expanded their focus. Predicting that an influx of new payment types would enter the market, the company launched Cayan Genius®, the first Customer Engagement Platform® to capitalize on the possibilities for payments today and in the future. Genius is designed to evolve and scale for growth, enabling businesses to add new payment types, gift card programs and loyalty solutions at any time, without disrupting existing point-of-sale systems.\r\n\r\n"The launch of Genius was a defining moment for our company. We changed the market, empowering businesses to adopt the latest payment technologies without overhauling their point-of-sale systems or jeopardizing security. By pioneering mobile payment acceptance, we were the first to show businesses that the payment creates an engagement opportunity," said Cayan CEO and Founder Henry Helgeson. "As we built Genius, we began to realize we needed a name that better communicated our bold vision. So, we engaged our employees, customers and partners to help us understand what our brand stands for today and how it can evolve in the future. In the end, Cayan stood out as a unique name that perfectly captured our spirit of innovation and drive."\r\n\r\n"Our original name served us well when our primary business focus was credit card transactions and merchant services. But as the market evolved, we''ve gone on to push the boundaries of payments -- including how and where they occur," added Chief Revenue Officer, Ken Paull. "We selected ''Cayan'' as the name that will lead us into the next phase of growth for our business. We like that the word is an empty vessel, capable of taking on new meaning as we unlock the possibilities of payments."\r\n\r\nToday the company also launched a new website, www.cayan.com . Customers and partners will notice the brand change immediately. Cayan''s new brand will also be on full display in booth #3181 at the National Retail Federation''s annual Big Show, January 11-13, 2015, in New York City, NY. \r\n#h2\r\nAbout Cayan\r\n\r\nCayan™, formerly Merchant Warehouse, is the leading provider of payment technologies that give businesses a competitive advantage. From simple and reliable payment processing, to fully integrated, multi-channel customer engagement platforms, Cayan is continuously developing new ways for businesses to unlock the power of payments. Headquartered in Boston, the company has offices in the United States and United Kingdom. Cayan is one of the world''s fastest growing payment companies. For more information, visit www.cayan.com .<p>Source: Company press release.', 460, 1422647333, 460, 1422647527, 0),
(20, 18, 'Longevity in payments', '#image_2Founded in Palm Springs, Calif., in 1990, First American Payment Systems LP landed in Fort Worth, Texas, three years later. This is when ISO venture veteran Neil Randel joined the executive team. Since then, the company has grown to more than 400 partners and now serves roughly 140,000 merchants in the United States and Canada, the company noted.\r\n\r\nBut starting a payment processing business nearly 25 years ago was not without challenge. One hurdle early on was the splintering effect of bundled merchant services. Typically, when payment processors established multiple third-party contracts, each had separate service centers, making it difficult to establish a consistent merchant experience. Randel''s vision was to develop First American into a single-source provider through internal development and acquisition.\r\n\r\n"His vision is exemplified today with an in-house product and service suite, proprietary back-end settlement platform and a full-service support center," said John Newton, Vice President of Sales, Strategic Partner Channel for First American. "Understanding that the needs of today''s businesses will continue to change, First American continues to bring new payment solutions to market."\r\n\r\nRecent examples include First American''s expanded relationship with Discover Financial Services to enable PayPal Inc. acceptance at brick-and-mortar locations. It also launched a cloud-based tablet POS system, 1stPayPOS, with advanced features for automated sales tax calculation, sales analytics and reporting. In addition, its M+Terminal mobile app serves multiple locations, Newton noted.\r\n\r\nRandel, who is now Chairman of the Board and Chief Executive Officer at First American, said at the time of the tablet launch, "Our merchants are enthusiastic about 1stPayPOS as a way to track cash and credit sales and provide their customers with more payment options such as PayPal retail cards."\r\n\r\nThe company also continues to enhance its traditional offerings, including credit and debit card, check, gift card, automated clearing house (ACH), ATM and online processing, as well as POS equipment programs. Its e-commerce gateway enables merchants to process recurring credit and ACH transactions, and build full-service websites with customized payment pages.\r\n#h2\r\nISO enablers\r\n\r\nFirst American offers comprehensive tools and support to help ISOs and merchant level salespeople (MLSs) operate their businesses, whether large or small. According to Newton, the company assigns high-level business strategy consultants to work with sales partners, its daily support team assists agents in the field and its merchant support center offers around the clock service.\r\n\r\nAll processes connected with merchant boarding and support are managed in-house, including merchant underwriting, ongoing risk assessment, chargeback facilitation, product development and customer service. Partners also have some latitude with merchant pricing through First American''s proprietary merchant settlement platform, which permits ISOs to customize pricing based on any number of scenarios, the company stated.\r\n\r\nDigital tools help speed the application process and manage MLS activity. "FirstonBoard empowers sales representatives to digitally sign merchant applications through a secure email verification process, as well as in-person via a phone, tablet or laptop," Newton noted. "Partners of all sizes can utilize reporting hierarchy to manage sales representatives and partners within the Daily Dashboard and within exportable residual commission files."\r\n\r\nDaily Dashboard, First American''s web portal, provides such tools as digital merchant on-boarding, instant email and text alerts, portfolio analysis and marketing. It also offers real-time access to pricing models, insight into the boarding process, merchant statements and residual reporting.\r\n\r\nFirst American is flexible in other ways, too. "Through strategic relationships with multiple authorization networks, First American enables sales representatives to board virtually any point-of-sale equipment on the market," Newton said. "This flexibility carries over into First American''s ability to offer customized ISO, Agent and Affiliate programs."\r\n\r\nWith a same-day credit decision and 24-hour deployment policy, turnaround time for merchant activation is speedy. And in 2014, First American plans to offer instant underwriting. Newton noted that a partner application programming interface will become available in 2014 as well. ', 460, 1423004900, 460, 1423069805, 0);
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(21, 1, 'The endgame in selling merchant services', '#image_1 For over 20 years, North American Bancard (NAB) has been leading agents and ISOs toward successful residual sales achievements. During this time, the business of <a href="http://www.northamericanbancard.com" target="_blank">merchant services</a> and making money selling electronic payment services as an <a href="http://www.gonab.com">independent sales agent</a> or ISO has radically transformed.\r\n\r\nWhile the industry''s most successful sales model has always been reliant on relationship building, tenacity, and a solid understanding of Interchange, the past decade has cultivated a new kind of payment services sales leader. When processors, equipment providers, and software makers were busy breaking the industry out of the analog-age, the <a href="http://www.northamericanbancard.com" target="_blank">merchant services</a> sales model underwent a parallel breakthrough of its own. Payments industry sales professionals would gradually go from being viewed as lower rung, feet-on-the-street peddlers to respected product spokespeople, relationship managers, and technology brokers.\r\n\r\nAs the role of the agent continued to evolve, the personal value brought to each deal also increased, upping the ante for residual income earning potential. As a result, those who would work their way to the top would also end up the most sought after sales experts in the industry.\r\n\r\n#h2 May the company with the best technology win\r\n\r\nIn today''s rapid-fire technology market, a knowledgeable and well-connected <a href="http://www.northamericanbancard.com" target="_blank">merchant services</a> sales professional looking to make a change will be hunting for the payment provider who offers the most comprehensive set of products that can meet the merchant''s every need. Since the merchant proposition is now more about configuring a payment solutions package which best fits a certain merchant''s business model, if a payment company''s solution set isn''t up to par, they may never get a second look from an agent. Regardless of how close they may be to launching the next groundbreaking industry product. Consequently, to attract the best industry talent, a company must be consistently first up with answers to demand-driven market problems.\r\n\r\nNAB''s PayAnywhere Storefront, launched in April of 2014, is one such answer. Built with the small-to-mid-sized business (SMB) in mind, this <a href="http://www.payanywhere.com" target="_blank">mobile point-of-sale (POS)</a> solution is the first of its type to offer a free tablet device in a stand with a built-in <a href="http://www.payanywhere.com" target="_blank">credit card reader</a> to all merchants who use the corresponding PayAnywhere software to process transactions. In addition to a simple, universal pricing model, the application is equipped with industry-leading data encryption, tokenization and fraud protection. It also processes advanced-level, cloud-hosted business analytics and custom merchant reports without added cost. All of these features combined make PayAnywhere the only single-source, fully combined, <a href="http://www.payanywhere.com" target="_blank">mobile point-of-sale (POS)</a>, and data monitoring solution in the market offering next day funding through every major card brand, including PayPal.\r\n\r\nPayAnywhere is only one example of NAB''s commitment to providing proactive mobile-ready solutions for SMBs. NAB''s revolutionary Phone Swipe product is another solution for on-the-go merchants needing a completely mobilized POS answer. This simple solution for accepting phone-enabled payments is enhanced with the same advanced-level, cloud-driven business intelligence and industry-leading security as PayAnywhere. A feature-set which makes it an easy to sell and implement product, and a sure bet handheld payment solution every merchant is bound to love.\r\n\r\n#h2 Help NAB deliver cutting edge solutions\r\n\r\nAs consumer demand continues to drive the merchant need for new payments industry technologies and products, NAB will strive to continue providing its sales professionals with the most credible, state-of-the-art solutions and groundbreaking programs the industry can offer.  In this spirit, we will ensure our market position remains strong by keeping the best of the industry''s sales talent at the top of their game.\r\n\r\nIf you are interested in learning more about NAB, its products and services, and how you can be a part of NAB''s sales team, get started today by calling 1-877-786-1653. ', 46611, 1423087100, 3, 1423088285, 0),
(22, 1, 'When the ETA talks, people listen!', '#image_5Today, if you’re an independent <a href=''http://www.northamericanbancard.com/'' target=''_blank''>merchant services</a> representative who is contemplating the idea of selling for a new company, you will have your pick of ISO and agent programs to choose from. You’ll naturally be looking for a company who is competitive within the residual marketplace and will offer you the best residual income opportunities available. You’ll also be interested in learning what other value added services, such as agent buy-out programs, are obtainable through a company.\r\n\r\nFrom there, it’s not always easy to distinguish what makes one merchant services ISO better than another. Most of them offer the gamut of card-present services for merchants needing a point-of-sale (POS) solution. Card-not-present solutions -- such as ecommerce and mobile POS technologies -- have also become more commonplace in the market. However, without a thorough preview of what the technology looks like under its hood, it is virtually impossible to distinguish which of these merchant products offer the greatest value and best experience for its end users.\r\n\r\nWhile there are also ISO reviews and client testimonials to look at, these self-guided statements can often leave important details about a company’s culture and vision out of the picture. Yet, these public statements, along with the latest word-on-the-street are often all an agent has to go on when choosing a new partner.\r\n\r\n<h2>Pay attention to industry-wide recognition</h2>\r\n\r\nWhile it can be difficult to individually assess a payment company’s backroom, strategic process, and product development strengths, there are industry reward programs which intentionally highlight companies who stand out in these areas. The esteemed ETA Star Awards is one such program. This program is hosted by the Electronic Transactions Association (ETA), the global trade association for the payments technology world.\r\n\r\nThe annual ETA Star Awards is exclusive to the payments industry and recognizes companies who have helped to advance the industry through notable contributions of innovation and business practices. In particular, the annual ETA ISO of the Year award looks at these achievements at the industry’s ISO level, and its nominees are graded for the quality, timeliness, and relevance of the products they bring to market.\r\n\r\nIn 2014, North American Bancard was named ETA’s ISO of the Year, a distinction that recognized the company’s hard-earned achievements and innovative technology advancements released into the merchant marketplace in early 2014. In the words of Marc Gardner, founder and CEO of North American Bancard, “This is one of the highest honors in our industry, and it’s great to be recognized for all the hard work and amazing results our team has produced in the past year. I truly believe we’re helping to steer the industry in a new direction and I’m excited to see what the next year brings.â€\r\n\r\nThis award recognized NAB’s launch of the PayAnywhere Storefront product, a complete countertop solution which includes a free tablet, stand with built-in <a href="http://www.payanywhere.com">card reader</a>, and an administrative app enhanced with advanced business intelligence features. The prestigious ETA honor was also a result of a number of other NAB initiatives:\r\n<ul>\r\n<li>A registered ISO program to help Sales Partners grow, including unlimited capital to build a brand, hire staff, and assist with registration fees.\r\n<li>An industry-leading compensation plan with buy rates as low as 1.5 cents with 0 basis points, bonuses on every deal, cutting edge sales tools, and a dedicated support team.\r\n<li>Solutions for every type of merchant need, to include hard-to-place or high-risk business types, POS systems, mobile and tablet, pay-as-you-go or custom pricing, convenience fee support, and merchant cash advances.\r\n<li>Access to compatible, mainstream gateways which readily support custom-integrated solutions, ecommerce, and dozens of SaaS and POS providers.\r\n<li>NAB’s commitment to a multi-million dollar infrastructure investment to improve financial reporting, business applications, CRM, database management, business intelligence, risk management systems, customer service and technical support teams.\r\n</ul>\r\n<h2>Join the NAB team!</h2>\r\n\r\nIf you are an independent sales professional who is considering a change, North American Bancard invites you to take a deeper look at NAB’s programs dubbed by the ETA as award-winning. We also have some of the best merchant services representative residual income opportunities currently available and we are dedicated to setting the pace for the future of the market. Once you get to know us better, we think you’ll agree with the ETA!\r\n\r\nFor more information, go to <a href="http://www.gonab.com">gonab.com</a> or contact us at 877-447-2279.\r\n', 46611, 1425430016, 3, 1426002893, 0),
(23, 20, 'How strong is your EMV arsenal?', '#image_2 Working as a payments industry sales professional, you’ve been busy working with each of your customers to ensure they are aware of EMV (Europay, MasterCard, Visa), the October 2015 deadline, and what the liability shift means to them. Ideally, your customers are knowledgeable about EMV and have made all the changes necessary to support EMV credit and debit chip cards. More likely you are encountering merchants that have little EMV awareness, or are confused about the risks to their business if they fail to meet the EMV requirements.\r\n\r\nMoving to EMV chip cards is one of the biggest and most important changes our industry has ever experienced. Large chain retailers are committed to supporting EMV, and are actively taking steps to move forward by updating their POS systems, performing pilot tests, training their staff on how to process an EMV chip card transaction, and updating their dispute resolution process. Small-to-medium businesses (SMBs) don’t want to leave their business vulnerable however they may not have the dedicated resources, or simply lack time during their busy day to become EMV aware, and this is why your role as their payments expert is so important.\r\n\r\n“ISO partners are a vital lifeline to customers and we know it is our responsibility to provide our partners with every tool they need to help merchants address EMV compliance,â€ said, Eric Boazman, SVP Sage Sales and Strategic Partnerships.\r\n\r\nSage understands the impact to our industry of moving to EMV chip card acceptance, and what this change means to merchants.  We are using this expertise to provide our ISOs with all the tools necessary to help their customers embrace the change. Sage is providing our partners an excellent series of easy-to-understand educational material they can offer their merchants along with webinars and merchant-facing collateral ISOs can leverage. These materials have been carefully crafted to answer the most common EMV compliance questions, provide merchants important details about the October 2015 liability shift, understand their options, and develop a migration plan.\r\n\r\n#h2 We’re ready for your customers\r\n\r\nAlong with educational resources and content Sage offers a choice of EMV compliant hardware that ISOs can make available to their customers.  And our Support team can work with ISOs and their customers to determine the EMV capability of the merchant’s currently deployed equipment, and discuss options for achieving EMV readiness.\r\n\r\n“Sage has taken careful steps to ensure our ISO sales agents have what they need to help their customers meet the October EMV deadline,â€ added Eric Boazman, “ISO partners and their customers can be confident that Sage is ready to help merchants experience a smooth transition to EMV so that they can focus on what they do best, running and growing their business.â€ \r\n\r\nSage is ready to support our existing ISOs, and is ready to take on new ISO portfolios. If you are interested in learning more about the Sage Partner Sales Program and how it can help you and your merchants, go to: http://www.SagePayments.com/GoNow, or call a Sage ISO recruitment representative directly at 888.453.4564. \r\n', 460, 1426788982, 3, 1436213324, 0),
(25, 1, 'Carving a smart path to the future', '#image_4 Though it''s been said the cutting edge is one step away from the bleeding edge, the leaders at <a href="http://www.northamericanbancard.com">North American Bancard</a> believe it is possible to stay progressive without compromising quality or value. To accomplish this, it is also believed it takes a company who has vision and is willing to invest in seeing it through.\r\n\r\n“Our NAB sales team is fortunate to be backed by a company who is committed to ensuring its technology and product development stay parallel with the current market demand,â€ said Rita Feldman, vice president of sales at North American Bancard. “NAB invests a great deal of its time and effort into helping its merchant customers stay in front of security, equipment and compliance requirements, but we also dedicate significant resources toward groundbreaking product developments to make sure our sales representatives are fully equipped in the marketplace.â€\r\n\r\n<h2>It starts with a plan</h2>\r\n\r\nFor an established ISO with multiple legacy systems, this means a portion of the investment into product development gets focused on legacy provisions. In addition to the creation of up-and-coming technologies, NAB has a well thought out plan for upgrading and enhancing the systems which are currently in place. This plan addresses everything from equipment to processing software already in use by NAB merchants. Even the company’s inventory of <a href="http://www.payanywhere.com">point-of-sale</a> (POS) terminals used to supply its free equipment program must be considered in this plan to ensure every piece of equipment on hand is always at or above industry standards. As a result, emerging and converging equipment technologies, such as today’s Europay, MasterCard, and Visa (EMV) and near field communications (NFC) initiatives, are always discussed early in the planning process and phased into NAB’s terminal upgrade strategy well ahead of any associated deadlines or an insurgence of market demand.\r\n\r\nOf course, NAB is also a product development front runner when it comes to introducing the latest and greatest in mobile POS (mPOS) applications. “mPOS has been a hot topic in the payments industry for several years now, but until recently, it was not a product the majority of merchants in the marketplace were ready to adopt,â€ Feldman continued, “Nevertheless, NAB’s visionaries saw where the future of the industry was headed, and they took early steps to develop robust, proprietary mPOS products which would differentiate the company as a mobile pioneer.â€\r\n\r\nThis vision was behind the development of NAB’s revolutionary mPOS products, both of which have been considered ground breaking innovations since the date of launch. Phone Swipe, NAB’s mPOS answer for smart phones, was launched in 2011 and is still widely acknowledged as a credible on-the-go solution. In early 2014, NAB also launched a proprietary tablet solution called <a href="http://www.payanywhere.com">PayAnywhere Storefront</a>. This product includes all the bells and whistles needed to set up a comprehensive tablet-based POS system. Both of these innovations have earned the company national recognition, as well as a respected reputation for being a thought leader in the mobile payments market.\r\n\r\n<h2>Eyes on the ball</h2>\r\n\r\nIn addition to a realistic vision, a well executed product development roadmap, and a commitment to fund these initiatives, NAB also prides themselves on one other key ingredient.  The core NAB philosophy has always been the same. To provide enabling payment technologies to businesses, which will in turn, help them grow. NAB leadership believes this focus also achieves a number of other byproducts, including the assurance for NAB sales partners that they will always have what they need to stay competitive and profitable, “NAB and its independent sales partners will always be successful, because the company and its leadership have their priorities straight,â€ concluded Feldman.\r\n\r\nIf you are interested in learning more about North American Bancard, its award-winning programs and <a href="http://www.northamericanbancard.com">merchant services</a>, and its competitive payment processing sales partner program, we invite you to visit us at <a href="http://www.gonab.com">www.gonab.com</a> or call us at 1-877-786-1653.\r\n', 46611, 1428371477, 3, 1428420906, 0),
(26, 21, 'PayPal, Ipsos release global mobile commerce survey results', '#image_1San Jose, Calif., Feb. 18, 2015 -- New research from PayPal and Ipsos* shows that mobile commerce is growing at nearly three times the rate of overall ecommerce. From 2013-2016, the multi-country average compound annual growth rate for mobile commerce is projected at 42 percent vs.13 percent for overall ecommerce (including mobile commerce). The research, which investigated the mobile shopping habits of more than 17,500 consumers in 22 countries, also reveals insights on mobile shopping behavior, barriers and growth markets.\r\n\r\n“We are on the cusp of the mobile-first era,â€ said Anuj Nayar, senior director of global initiatives for PayPal. “At PayPal we’ve seen our mobile growth rise from less than one percent of our payment volume in 2010 to more than 20 percent in 2014.â€\r\n#h2\r\nA Bright Future for Mobile Commerce\r\n\r\nAs a percentage of global** online spend, mobile commerce is still relatively small: according to the research, smartphone purchases are driving nine percent of online spend and purchases made on tablets account for only five percent of online spend. However, both are dwarfed by laptops, desktops and notebooks, which cumulatively are used for 85 percent of online spend.\r\n\r\nWhile spend numbers might be low; the prevalence of mobile shopping is quite significant. A third (33 percent) of online shoppers surveyed report having purchased something via smartphone in the past 12 months, and 20 percent report making a purchase via tablet. The surge in smartphone commerce is being driven by young adults. A global average of 59% of smartphone shoppers are between 18-34 years old vs. 44 percent of total online shoppers.\r\n#h2\r\nChina, Turkey, United Arab Emirates Dominate Smartphone Shopping\r\n\r\nChina, Turkey and the United Arab Emirates dominate in smartphone commerce. Emirati online shoppers attribute on average 24 percent of their online spend to smartphone purchases, Chinese consumers follow closely behind at 21 percent and Turks come in third at 19 percent. The three also lead in smartphone-shopping density. In China, more than two thirds (68 percent) of online shoppers have used a smartphone to make a purchase in the last 12 months. More than half (57 percent and 53 percent respectively) of Emirati and Turks have done so.\r\n#h2\r\nOnline Consumers Opt for Apps\r\n\r\nGlobally, 64 percent of smartphone shoppers have purchased via an app and 52 percent have purchased via browser. Among those who have used both platforms, apps are typically preferred (47% prefer to shop through an app). When all smartphone and tablet users were asked about the benefits of using an App to pay for things either online or offline, the most cited benefits were convenience (35% of smartphone/tablet users agree this is a benefit) and speed (30%).\r\n\r\nOther unique perceived benefits of using apps by country include: “instant confirmation of paymentâ€ in Mexico (selected by 37% of Mexican smartphone/tablet users); “having a reminder to apply offers/discounts/couponsâ€ in China (30%); and “keeping track of digital receiptsâ€ in Israel (26%).\r\n#h2\r\nProduct Research Today; Nascent Features Tomorrow\r\n\r\nCurrently, the most cited m-commerce related activity among smartphone owners or users is product research: 36% said they had “searched for product information on my smartphoneâ€ in the past 12 months, 27% had “used my smartphone to help locate/find information about a store or businessâ€ and 25% had “read customer or user reviews from my smartphone.â€\r\n\r\nHowever, when smartphone users were asked how they’d like to use their smartphones in the future (out of the things they haven’t already done), the top responses related to nascent features including payment options. Sixteen percent of smartphone users selected “tap my smartphone at the cash register to pay (e.g. using NFC)â€ and 15 percent cited “ordered ahead (e.g. coffee or food) using an app or browser on my smartphone.â€\r\n#h2\r\nBarriers to Mobile Commerce\r\n\r\nThe biggest barrier to faster mobile commerce growth is that consumers don’t yet perceive the advantages over shopping on devices with larger screens.\r\n\r\nAmong smartphone owners/users who have not used their smartphones to shop in the past 12 months, the top stated barriers are: “prefer to purchase online from other devices (e.g. laptop, desktop)â€ (selected by 39 percent), “the screen size is too smallâ€ (34 percent), and “prefer to access the Internet via other devicesâ€ (28 percent).\r\n\r\nThose who have shopped via smartphone in the past 12 months state slightly different reasons for not doing so more often: “the screen size is too smallâ€ (stated by 34 percent), “prefer to purchase online from other devices (e.g. laptop, desktop)â€ (27 percent), and “concern about security of online purchases made from a mobile deviceâ€ (21 percent).\r\n\r\n“With the advent of low cost mobile phones, larger phone screen sizes and mobile device security improvements, the barriers to mobile commerce will decrease,â€ continued Nayar. “Those improvements, combined with streamlined digital payment options like PayPal OneTouch™ will make it easier, more secure and more intuitive for customers to pay with their mobile phone.â€\r\n\r\n*On Behalf of PayPal, Ipsos interviewed a representative quota sample of c.800 (17,519 in total) adults (aged 18 or over) who own and/or use an internet enabled device* in each of 22 countries (UK, France, Germany, Austria, Switzerland, Italy, Spain, Netherlands, Sweden, Norway, Denmark, Poland, Turkey, Russia, Israel, UAE, USA, Canada, Brazil, Mexico, China, Australia). Interviews were conducted online between 9th September and 3rd November 2014. Data was weighted to known incidence of online shoppers in all countries, and to demographic profile of internet users in 7 countries. *Desktop computer/Laptop/ notebook computer/Tablet /Smartphone/Some other type of mobile phone/Electronic organizer / PDA with wireless voice and data features/Games console with Internet connectivity (e.g. Wii).\r\n\r\n** Figures cited in this article are a global average of the 22 markets surveyed, not weighted for population size.\r\n#h2\r\nAbout PayPal\r\n\r\nAt PayPal, we put people at the center of everything we do. Founded in 1998, we continue to be at the forefront of the digital payments revolution, processing almost 11.5 million payments for our customers per day. PayPal gives people better ways to connect to their money and to each other, helping them send money without sharing financial information and with the flexibility to pay using their PayPal account balances, bank accounts, PayPal Credit and credit cards. With our 162 million active digital wallets, we have created an open and secure payments ecosystem people and businesses choose to securely transact with each other online, in stores and on mobile devices. PayPal is a truly global payments platform that is available to people in 203 markets, allowing customers to get paid in more than 100 currencies, withdraw funds to their bank accounts in 57 currencies and hold balances in their PayPal accounts in 26 currencies. PayPal is an eBay Inc. (Nasdaq: EBAY) company. In September 2014, eBay Inc. announced the planned separation of eBay and PayPal into independent publicly traded companies in 2015. More information about PayPal can be found at www.paypal.com and www.paypal-media.com . More information about the planned separation of eBay and PayPal can be found at update.ebayinc.com .\r\n#h2\r\nAbout Ipsos\r\n\r\nIpsos is a global independent market research company ranking third worldwide among research firms. We specialize in six areas: advertising research; marketing research; media, content and technology research; loyalty, quality and customer relationship management research; opinion polls and social research; and survey management, data collection and delivery. Our industry specialization model means we have an intimate understanding of our clients'' brands, consumers and markets. ', 460, 1428441758, 460, 1428442126, 0),
(27, 23, 'Longevity in payments', ' #image_1Founded in Palm Springs, Calif., in 1990, First American Payment Systems LP landed in Fort Worth, Texas, three years later. This is when ISO venture veteran Neil Randel joined the executive team. Since then, the company has grown to more than 400 partners and now serves roughly 140,000 merchants in the United States and Canada, the company noted.\r\n\r\nBut starting a payment processing business nearly 25 years ago was not without challenge. One hurdle early on was the splintering effect of bundled merchant services. Typically, when payment processors established multiple third-party contracts, each had separate service centers, making it difficult to establish a consistent merchant experience. Randel''s vision was to develop First American into a single-source provider through internal development and acquisition.\r\n\r\n"His vision is exemplified today with an in-house product and service suite, proprietary back-end settlement platform and a full-service support center," said John Newton, Vice President of Sales, Strategic Partner Channel for First American. "Understanding that the needs of today''s businesses will continue to change, First American continues to bring new payment solutions to market."\r\n\r\nRecent examples include First American''s expanded relationship with Discover Financial Services to enable PayPal Inc. acceptance at brick-and-mortar locations. It also launched a cloud-based tablet POS system, 1stPayPOS, with advanced features for automated sales tax calculation, sales analytics and reporting. In addition, its M+Terminal mobile app serves multiple locations, Newton noted.\r\n\r\nRandel, who is now Chairman of the Board and Chief Executive Officer at First American, said at the time of the tablet launch, "Our merchants are enthusiastic about 1stPayPOS as a way to track cash and credit sales and provide their customers with more payment options such as PayPal retail cards."\r\n\r\nThe company also continues to enhance its traditional offerings, including credit and debit card, check, gift card, automated clearing house (ACH), ATM and online processing, as well as POS equipment programs. Its e-commerce gateway enables merchants to process recurring credit and ACH transactions, and build full-service websites with customized payment pages.\r\n#h2\r\nISO enablers\r\n\r\nFirst American offers comprehensive tools and support to help ISOs and merchant level salespeople (MLSs) operate their businesses, whether large or small. According to Newton, the company assigns high-level business strategy consultants to work with sales partners, its daily support team assists agents in the field and its merchant support center offers around the clock service.\r\n\r\nAll processes connected with merchant boarding and support are managed in-house, including merchant underwriting, ongoing risk assessment, chargeback facilitation, product development and customer service. Partners also have some latitude with merchant pricing through First American''s proprietary merchant settlement platform, which permits ISOs to customize pricing based on any number of scenarios, the company stated.\r\n\r\nDigital tools help speed the application process and manage MLS activity. "FirstonBoard empowers sales representatives to digitally sign merchant applications through a secure email verification process, as well as in-person via a phone, tablet or laptop," Newton noted. "Partners of all sizes can utilize reporting hierarchy to manage sales representatives and partners within the Daily Dashboard and within exportable residual commission files."\r\n\r\nDaily Dashboard, First American''s web portal, provides such tools as digital merchant on-boarding, instant email and text alerts, portfolio analysis and marketing. It also offers real-time access to pricing models, insight into the boarding process, merchant statements and residual reporting.\r\n\r\nFirst American is flexible in other ways, too. "Through strategic relationships with multiple authorization networks, First American enables sales representatives to board virtually any point-of-sale equipment on the market," Newton said. "This flexibility carries over into First American''s ability to offer customized ISO, Agent and Affiliate programs."\r\n\r\nWith a same-day credit decision and 24-hour deployment policy, turnaround time for merchant activation is speedy. And in 2014, First American plans to offer instant underwriting. Newton noted that a partner application programming interface will become available in 2014 as well. ', 460, 1429047156, 460, 1429047324, 0),
(29, 17, '3 Tips to Help Prepare Your Customers for EMV and Mobile Payments', 'EMV and mobile payments have been all the buzz lately. The EMV liability shift is less than four months away and more mobile payment options are entering the market.  As these changes come to the payments industry, both you and your customers need to prepare.\r\n\r\nWhen Apple introduced the iPhone© 6, iPhone© 6 Plus, and the Apple Watch, they also introduced their payment service, Apple Pay, which uses Near Field Communication (NFC) to make secure transactions using contactless technology. To make a payment via Apple Pay, consumers can simply touch their finger to the Touch ID on their Apple device and tap, providing a seamless and effortless checkout process. Apple Pay''s mobile wallet allows consumers to store credit, debit, and loyalty cards all in one application, Passbook, on their Apple mobile devices.\r\n\r\nWhile mobile wallets are not anything new to the industry, Apple entering the payments space has already had a tremendous impact on businesses and consumers. Considering Apple’s history in changing consumer behavior in the past, it is predicted that Apple Pay will change the way consumers make payments. In fact, it is believed that mobile wallets may eventually replace current payment methods. A study from Pew Research indicates that 65 percent of technology experts believe that plastic cards and cash may be obsolete by the year 2020.  Since we have already seen an increase in mobile payment adoption, businesses need to start thinking about implementing NFC-enabled equipment to meet consumers'' needs.\r\n\r\nThis month marks the four month countdown to the EMV liability shift in the United States. The acronym ''EMV'' stands for Europay, MasterCard and Visa, which are the three companies who developed the technology, and it is a major effort to reduce fraud. Although EMV is no new technology and has been around for decades, the United States is the last major country to implement it.\r\n\r\nInstead of using the traditional swipe method, the new EMV-enabled cards will require American consumers to enter their card into a terminal and enter their PIN number. These cards have embedded microchips which encrypt transaction data uniquely for each transaction, making it harder to create counterfeit cards.  In order to accept EMV-enabled cards, businesses will need to upgrade their current terminals to ones with EMV capabilities. Starting this October, businesses that do not process payments via EMV-capable equipment will be held liable for any fraudulent transaction rather than the banks who are the ones held liable today.\r\n\r\nApple Pay, NFC and EMV will provide you with new opportunities to acquire new customers as well as revisit your existing customers. Some of your prospects and existing customers may not be aware of the upcoming changes, so when you approach them with information and valuable advice on upgrading their terminals, they will appreciate your effort in trying to improve and protect their business. \r\n\r\nHere''s a few tips on what to mention when speaking with prospective and existing customers about updating their terminals to accept NFC and EMV payments.\r\n\r\n#h2Emphasize the shift to mobile payments. \r\n\r\nMore and more consumers are making the shift to mobile payments now that Apple Pay is available and consumers have more options for mobile wallets. They recognize the simplicity and seamless process of making mobile payments and will soon begin to leave their physical wallets at home. Inform your potential and existing customers of the benefits of mobile payments and how they can, and should, capitalize on them.\r\n\r\n#h2Discuss the benefits of adopting NFC and EMV early. \r\n\r\nMaking the shift to EMV early will make it easier on your customers to adapt to the new technology before it becomes the norm. It also ensures they are protected before the EMV liability shift goes into effect this October.  Also, for some businesses, it can be a struggle to implement the latest technology like their larger, multi-lane competitors. Offering an affordable, easy-to-use solution will give them the latest payment technology for them to stay ahead of the game and meet their customers'' needs.\r\n\r\n#h2Explain their options and make recommendations. \r\n\r\nProvide your customers with various EMV and NFC options, but be prepared to make a recommendation for them. These are new technologies, so it can be overwhelming for them to figure out which one is best for their business. For the best customer experience with Apple Pay and other NFC mobile payments, Cayan recommends merchants use a terminal with a customer-facing contactless reader. This makes it easy for the customer to easily tap their mobile device rather than handing it over the counter to the merchant. Cayan has a variety of NFC-enabled and EMV-enabled solutions for you to choose from when consulting with a new or existing customer.  \r\n\r\nThe ever-changing landscape of payments means your customers must keep pace to satisfy their customers, protect their business, and remain competitive. Their own customers will be shifting to these new payment methods in the coming months, so now is the perfect time for them to make the shift as well.', 3, 1433132032, 3, 1433132114, 0),
(30, 26, 'American Express', '<div class=''center''>\r\n<video controls=''controls'' class=''videoBox'' >\r\n<source src=''/advertisingGateway/video/46_video.mp4'' type=''video/mp4''>\r\n<source src=''/advertisingGateway/video/46_video.ogv'' type=''video/ogg''>\r\nYour browser does not support the video tag.\r\n</video>\r\n</div>', 460, 1433357466, 3, 1457319123, 0),
(31, 27, '', ' #image_1', 460, 1433369885, NULL, NULL, 0),
(32, 17, 'When challenges create opportunities', '#image_3 The business of selling electronic payment services to merchants is highly competitive, and requires a great deal of technical aptitude. This industry is known for its high attrition rate, and an ever changing set of products and rules. These challenges can also make for a fun, positive environment for sales experts. However, when the challenges become burdens, it’s generally time to look for a more balanced environment.\r\n\r\n"Agents have many companies to choose from in this industry, and it can be difficult to know what lies underneath the surface when checking out new options,â€ said Michael Gavin, Cayan senior vice president of sales, “While it’s not always easy to size a company up from the outside, there are a few clues to look for such as attrition rates, value-added touches, the depth of training provided, and how closely products have evolved with the market."\r\n\r\n#h2 A winning formula for success\r\n\r\nMany experts believe that the merchant services sales market is oversaturated. Yet, it’s also an industry full of many successful sales agents who’ve mastered its nuances. These experts are the professionals many merchants seek advice from about point-of-sale products or the best over-the-counter/online purchasing model. Of course, this kind of success is also indicative of how invested agents are in current payment technologies, as well as the industry’s compliance and security requirements. An agent should always have access to this information through regular corporate POS trainings and hands-on mentorship from sales leaders within their company.\r\n\r\nAnother important ingredient is the attention an agent gives to developing strong relationships with customers. A consultative approach has helped certain agents differentiate themselves from the rest of the busy marketplace, because they resolve merchants’ current POS problems and anticipate future needs. \r\n\r\n“Many agents in the industry rush on-boarding and then move over to the next sale without looking back, but Cayan purposefully teaches its agents to take the time to build trust with new merchants to ensure they are viewed as an ally throughout the relationship,â€ added Gavin. “This is Cayan’s way of helping a sales agent overcome the tainted reputation some agents leave behind in the industry and build a relationship that carries a merchant through multiple product cycles.â€ \r\n\r\nAccording to Gavin, a company that understands the challenges a payment agent faces every day in the marketplace and takes the necessary steps to guide them past all the typical market barriers, is a company that will retain successful agents. Because it’s no longer good enough for a company to just offer best of breed solutions, Gavin says avoiding merchant turnover inevitably comes down to how committed a company is to the best interests of its sales force and the merchants they represent.\r\n\r\nIn today’s changing payments environment, this isn’t an easy order to fill, but Cayan has a strong formula. Their agent channel has found success by assuring every sales person has the tools, knowledge and skills to identify and accommodate each merchant’s unique POS needs. In addition, Cayan agents are apprised of changes within the industry, ensuring they can offer every possible method of improving the POS experience and the ability to address current compliance and liability regulations.\r\n\r\nDid we mention the importance of adding more value to the deal to help a merchant understand there’s more to a processing relationship than lowering basis points? Cayan’s expansive product offerings, customer service model and innovative approach to integrated payment technology create one of the most viable combinations in the market today for agents new and old. It’s a winning package to offer merchants both the quality and quantity they desire, as well as the assurance of a fair deal that will generate increased profits and new customers. It doesn’t get any better than this!\r\n\r\nWe invite you to look inside Cayan’s agent and ISO program to learn more about the Cayan quality promise to its agents. For more information, visit <a href="http://www.cayan.com"> cayan.com</a> or contact Cayan’s agent channel representative directly at 800.743.8047.', 46611, 1434137372, 3, 1435684105, 0),
(33, 1, 'Something fantastic for merchants!', '#image_7 Like many <a href="http://www.northamericanbancard.com">merchant services</a> companies, North American Bancard (NAB) was born and founded by one guy who operated out of a solitary office. Nevertheless, NAB’s founder and Chief Executive Officer, Marc Gardner, launched the company with a big vision; to create the best ISO program possible in the payments industry. A vision he and others have worked tirelessly to fulfill.\r\n\r\nAs Marc’s vision steadily turned into reality, both NAB and the payments industry began to grow and mature at an exponential pace. This presented a stream of new considerations for the company to address as it grew. NAB’s leadership team recognized early on its stealthy ISO program would need an equally strong customer service support team, as well as ready access to only the best financial products available in the industry. Yet, as electronic payment product advancements kept emerging and evolving, this commitment would turn out to be no small endeavor.\r\n\r\n“Our leaders have always understood exceptional products go hand-in-hand with an award winning ISO program,â€ Gardner said, “While our core objective has always been to create something fantastic for merchants, we also know our growth is dependent on making the product investments our independent sales agents need to be successful in the field.â€\r\n\r\n#h2 Signature technologies\r\n\r\nIn answer, NAB launched an operations initiative to develop a signature line of business-enabling products, designed to empower entrepreneurs with tools needed for conducting better business. Striving to create and maintain the most stable, yet innovative, product suite available to merchants in the marketplace, NAB built an in-house technology development team and also formed several strategic technology and product partnerships. Marc also enhanced his executive team with C-level industry experts who possessed the right talents and initiative to lead the company’s ambitious product development charge.\r\n \r\nOver time, the NAB product development team has concentrated on designing progressive financial and operations tools geared to aide merchants with day-to-day cash flow management, transaction security and compliance, payment data administration, and <a href="http://www.payanywhere.com">point-of-sale</a> (POS) processes. In addition to these technologies, NAB has released products and services which also help merchants grow through longer-range planning and development, utilizing NAB’s capital funding or software and data integration services.\r\n\r\nThese efforts have produced a robust arsenal of contemporary technologies and automated resources for NAB’s payment processing agents to offer merchants in addition to the company’s state-of-the-art terminal equipment and first-to-market free equipment program. Not to mention, the revolutionary PayAnywhere Storefront cloud-based tablet POS solution, as well as the NAB Phone Swipe mobile POS solution; both designed exclusively by the NAB product team to address today’s merchant POS needs.\r\n\r\n#h2 Big data for small businesses\r\n\r\nThe overall strategy was anchored on the idea of bringing big data down to the level of the individual small business owner by providing them with affordable and easy-to-use, yet progressive, automations for enhancing efficiency, productivity and profitability. By creating and maintaining a full suite of relevant payment products, including everything from merchant accounts, hardware, software, and payment gateway accounts, NAB and it’s sales agents can provide small business owners with everything needed to thrive in today’s marketplace. Furthermore, the NAB configuration gives merchants access to the critical payment data and a host of additional tools and features they can leverage as they continue to grow and expand.\r\n\r\n“By leveraging technology to help a merchant stay ahead of customer demands, we provide them with both a vertical and a horizontal solution that also expands as we add different pieces to the continuum,â€ Gardner continued, “This gives NAB independent sales agents a full suite of solutions to effectively address every single business process step, creating what has become NAB’s ultimate formula for success.â€\r\n', 46611, 1435091011, 3, 1435699635, 0);
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(34, 17, 'Easy as 1-2-3!', '#image_4 While it’s true, selling merchant services isn’t as easy as selling shoes or furniture, Cayan believes any motivated sales professional can master the nuances of the payments industry with the right tools and support. However, like any internally driven program, the development of a robust training system isn’t a commitment every payments company is willing to make.\r\n\r\nFor this reason, Cayan strongly encourages every agent to thoroughly review a prospective employer’s orientation, training and support offerings before joining its sales team. Where a company’s products, on-boarding policies and customer service standards will impact sales success and merchant retention rates, it’s Cayan’s contention that the care a company puts toward nurturing the knowledge-base of their sales team will make or break a sales agent’s rate of achievement.\r\n\r\nWhat goes into building and sustaining an award winning agent training program? According to Michael Gavin, Senior Vice President of Sales at Cayan, “Effectively preparing sales agents to successfully represent your brand is critical to their confidence and it takes a deeper commitment than just teaching the basics about interchange, compliance and equipment; it also involves passing on a cultural depth of understanding about the market, the customers and the industry.â€\r\n\r\nGavin says Cayan’s successful training program is a result of the personalized approach the company takes while cultivating well-rounded and educated sales people. From the company’s comprehensive orientation process and weekly training opportunities, to its interactive blogs and collaborative testimony, every step in the Cayan agent learning journey is infused with a genuine personal touch.\r\n\r\n“Cayan’s training approach is built on trust, creating meaningful relationships with sales agents and generating a close connection that ensures agents know where to turn for help with a complex sales scenario, answers to simple questions or even just an encouraging word,â€ said Anders M., independent sales agent.\r\n\r\n#h2 Step-by-step program \r\n\r\nIn addition, Cayan provides a simple step-by-step program to get agents on the road to success. This agent road map helps Cayan representatives stay on track with industry changes, learn how to pair solutions to merchant types and stay mentally engaged in selling and supporting Cayan’s payment solutions.\r\n\r\nThe program is broken down into three basic, yet empowering, categories:\r\n\r\n<b>#1 Onboarding:</b>\r\n\r\nAt the onset of the relationship, new Cayan agents participate in a comprehensive orientation designed to acquaint them with the company, its people and its resources. Included in this session is an introduction to all of Cayan’s online business management tools, such as the CB Headquarters agent portal and the CB App Express tool for submitting customer applications online.\r\n\r\nThey also meet the Cayan agent support team, including dedicated relationship managers, account managers and trainers who are always agent-focused. This team supports the Cayan agent at every step, including setting up email addresses and online accounts, assisting with the creation of Cayan agent websites, ordering business cards, etc.\r\n\r\n<b>#2 Trainings:</b>\r\n\r\nCayan hosts live trainings every week, often with a minimum of three online sessions per week. Each agent with an online portal account also has unlimited access to an extensive on-demand webinar library. Cayan also hosts frequent webinars in partnership with industry associations to keep agents current on the latest technologies, regulations and more.\r\n\r\n<b>#3 Products, Research and Development:</b>\r\n\r\nCayan is also committed to ensuring its agents are equipped with the latest technologies to offer merchants. Cayan gives agents ready access to a wide variety of innovative point-of-sale solutions through its online POS Marketplace. The portal features Cayan’s rich portfolio of future-proof POS products, such as the <a href="http://cayan.com/genius">Cayan Genius</a> platform, and the latest in EMV and NFC-enabled solutions for contemporary over-the-counter and mobile transactions.\r\n\r\nAlso interested in receiving agent input, Cayan actively recruits agents to be part of product pilot programs, and welcomes suggestions and opinions about products and solutions they believe are most beneficial to their merchants.\r\n\r\nIt doesn’t end here! Cayan is always working to develop their agent knowledge-base. Currently, the company is exploring implementation of an agent mentorship program as well as an emerging products forum.\r\n\r\nIf Cayan sounds like it may be a good fit for your sales expertise, you are encouraged to request more information about Cayan’s agent channel at <a href="http://cayan.com">cayan.com</a> or by calling 800.743.8047.', 46611, 1436568281, 3, 1436801638, 0),
(35, 20, 'The perfect time to pitch gift and loyalty', '#image_5 According to a report recently released by Mercator Advisory Group, the use of retail gift cards grew 9 percent in 2014. Now that summer is in full swing, it’s time for retailers and other merchants to start considering how prepaid gift and loyalty programs can boost business over the holidays. While it may seem a bit early to get started on holiday campaigns, studies show the most successful end of year campaigns require well planned strategies and ample time to ramp up. Many merchants outside of the traditional retail industry also utilize these promotional programs to support year-round loyalty initiatives, making mid-year a perfect time to throw out a winning gift and loyalty program pitch.\r\n\r\nDragos Gheorghe, Sage Payment Solutions EFT Manager, Gift & Loyalty, urges all ISOs and agents to adopt mid-year touch plans for presenting Sage prepaid and loyalty programs to merchants. In fact, Dragos often reminds his company agents that waiting until the last minute to talk with merchants about these lucrative programs detrimentally impacts both the merchant’s and the agent’s bottom line. “Agents will miss out on sales and revenues if they don’t help merchants think ahead when it comes to implementing a gift and loyalty campaign,â€ Dragos said. “It can be extremely hard to get custom cards printed, implement a program and train line staff when it’s too late in the game.â€\r\n\r\n#h2 The only payment card that promotes new business\r\n\r\nThe Sage Payment Solutions EFT channel works with tens of thousands of industry resellers and provides a dedicated training program aimed at helping sales agents feel comfortable selling Sage value-added services. They strive to help agents build a sustainable portfolio of merchants that will take advantage of Sage gift and loyalty programs year after year. The Sage EFT channel also offers a hands-on agent support team equipped with far more than the standard complement of information and collateral. Sage support team members assist agents with presenting products, and personally hand hold every deal, offering expert subject matter guidance to agents and merchants throughout the entire sales process.\r\n\r\nAccording to Dragos, this is one key advantage to selling for Sage, “We are our own Gift & Loyalty processor, so we control everything from the transaction flow and program set-up, to the actual plastic card printing. This service allows our agents to sell an all-in-one payment package instead of piecing together service providers, gaining them a 30% higher chance the merchant will remain with them.â€\r\n\r\nThe Sage support team also works closely with agents to help them optimize the inherent advantages of selling gift and loyalty card products. In short, gift and loyalty products are the only payment processing solution merchants can utilize as a marketing channel to attract new business. As a result, these programs are much easier to introduce to a merchant, and agents are also able to forge a different type of trust bond, which leads to greater retention and opens doors for bundling in other Sage payment applications.\r\n\r\nAdditionally, ISOs serving particular geographic areas can offer a “shop localâ€ program where a group of merchants pool together in a joint prepaid gift or loyalty program. For example, a band of merchants who belong to the same chamber of commerce organization, vendors that participate in the same music festival, or retailers from the same shopping mall can team together to offer consumers a single loyalty program.\r\n\r\nIn total, Sage gift and loyalty solutions offer ISOs and agents with a perfect win-win proposition. Each product offers options to earn one-time and/or residual income streams, merchants appreciate the built-in marketing value and everyone benefits from a longer-standing relationship. \r\n\r\nIf you’d like to explore selling Sage Payment Solutions gift and loyalty solutions, or would like to know more about Sage EFT and its support team, visit <a href="http://www.giftcardtraining.com">www.giftcardtraining.com</a>, email us at sales@giftcardtraining.com or call us directly at 888.884.7171.', 46611, 1438208648, 46611, 1438209056, 0),
(36, 28, 'About Sysnet', '#image_2 Sysnet Global Solutions provides payment card industry cyber security and compliance solutions that help businesses to improve security and acquiring organisations to reduce risk. Specialising in data security and PCI DSS compliance validation solutions, Sysnet offers a range of services, including its award-winning, proprietary, cyber security and compliance management solution Sysnet.air®, to a wide variety of businesses including acquirers, ISOs, international banks, payment service providers and merchants.\r\n\r\n<br><br>\r\n#h2 Sysnet.air - Cyber Security and Compliance Solutions for Merchants\r\n\r\nSysnet.air has been designed to simplify security and compliance for small to medium sized businesses (SMBs) by profiling the business and personalising service offerings that meet the specific requirements of that business. Sysnet.air helps to reduce risk for acquiring organisations by identifying risk within the merchant portfolio and by assisting merchants to mitigate against that risk.\r\n\r\n#h2 The Challenge\r\n\r\nCompliance has become a ‘tick in the box’ exercise for merchants which means that information security is not being properly addressed. Quite simply this is because merchants don’t understand that information security is complex, they often see it as something the acquirer should worry about and not them. The result is often a lack of engagement with acquirers on issues regarding security and compliance. Compounding all of this, acquiring organisations are operating in a highly competitive landscape where margins continue to fall.\r\n\r\n#h2 Key Features of Sysnet.air\r\n\r\n•	Identifies and addresses real merchant risk.<br>\r\n•	Protects merchants against a number of IT vulnerabilities.<br>\r\n•	Ensures that merchants have the appropriate technologies in place to attain, and more importantly, maintain compliance.<br>\r\n•	Presents merchants with only the solutions that are applicable to their business.<br>\r\n•	Identifies risk across your merchant portfolio.<br>\r\n•	Rewarding user experience that interprets what the merchant needs so they don’t have to.<br>\r\n•	Generates additional revenue.<br> \r\n\r\nSysnet also offers additional services that can improve merchant relationships such as;<br>\r\n\r\n•	VIP Manager to help manage your larger, more complex merchants.<br>\r\n•	Data Breach Indemnity Protection to help cover your merchant in the unfortunate event of a data breach.<br>\r\n•	Merchant Contact Services outbound and inbound call services.<br>\r\n•	Risk & Assurance Practice Services to assist larger, more complex merchants achieve compliance.<br>\r\n\r\nIf you’d like to find out more about Sysnet or our service, visit <a href="http://www.sysnetgs.com">www.sysnetgs.com</a>, <a href="mailto:sales@sysnetgs.com">email us</a> or call our Atlanta office on +1 770 804 6429 or our Dublin office on +353 (0)1 495 1300.', 46611, 1438385217, 46611, 1438386412, 0),
(37, 17, 'Mining your portfolio''s gold', '#image_5 As you take the important steps to grow your merchant portfolio into a solid, loyal base of customers, you will also become a more seasoned and confident payments professional. In this process, you‘ll quickly learn how valuable your customer portfolio is. Each customer not only represents a residual income, but they also reflect your success in what is arguably one of the today’s most technically complex sales fields.\r\n\r\nAltogether, your customers make up an important group of prospects to introduce new products to, and this provides an opportunity to increase earning potential through a known prospect channel. However, despite the fact up-selling is a highly accepted and rewarding practice in the merchant services industry, it doesn’t always come naturally for sales agents.\r\n\r\nIn part, this is because the first instinct of a payments sales person is to find and sign more new merchants. Sales quotas and ratios also play in, as often, companies only measure how many new customers are signed. Therefore, looking back to a customer that has already signed a deal isn’t very intuitive, and it can even be a detriment in some scenarios.\r\n\r\nFurthermore, sales professionals in any industry will tend to gravitate toward products they know best and are the most comfortable pitching. Since selling merchant services is concentrated on foundational products, such as traditional debit and credit card processing, value-added product offerings are rarely as well understood by the sales force.\r\n\r\n#h2 Focus on the relationship\r\n\r\nAll of these dynamics play into why the up-sell is often left on the back burner, despite the hard work an agent has already put into developing the initial relationship with a merchant. \r\n\r\n“Agents often leave money on the table, because they fail to give new customers a full introduction to all the products and services a company offers,â€ stated Michael Gavin, Cayan’s Senior Vice President of Sales. “When this happens, the potential for additional residual income reduces each day the relationship goes untouched, and the risk of attrition also increases.â€    \r\n\r\nAccording to Gavin, Cayan understands there are two sides to the selling coin and that portfolio maximization can’t always be top of mind for industry sales agents. However, they also know how beneficial active portfolio management can be for agents, so they work extensively to help them see portfolios in a different light. Cayan proactively provides its sales force with incentives, training resources and hands-on outreach to encourage customer relationship building. \r\n\r\n“Mastering the up-sell is about having a full understanding of product offerings, as well as a solid relationship with the customer, then knowing how to match up the two. All products are not for all merchants, so without a clear picture of what a company offers and how it will assist certain sizes or types of merchants, agents will likely pass over up-sell opportunities,â€ noted Gavin.\r\n\r\nCayan’s training library offers dedicated resources to teach agents unique and innovative ways to maximize portfolio potential and increase income potential through value added service offerings. The company also hosts regular webinars to teach agents how to pair products to business verticals, build rapport and increase communications with customers, cultivate personal up-sell productivity and establish a solid portfolio management plan.\r\n\r\nFurthermore, as Cayan’s relationship building programs start gaining agents up-sell traction, they always have Cayan’s trained relationship managers on deck to help them stay apprised of value-added promotional opportunities and answer questions about Cayan products, merchant needs and unique application requirements.\r\n\r\n“Cayan’s team approach and focus on building sustainable customer relationships has helped me leverage my portfolio in ways I would never have imagined before,â€ stated Cayan agent, Tim H. “They’ve taught me how to effectively honor my customer’s needs simply by proactively offering value added products before my competitors do.â€\r\n\r\nDo you want to master the art of up-selling? Are you looking for new ways to cultivate customer loyalty? Are you seeking a merchant services provider that genuinely understands the value within a portfolio? Reach out to Cayan’s agent channel today to request more information. Go to <a href="http://www.cayan.com">cayan.com</a> or call directly at 800.743.8047.\r\n', 46611, 1438916106, 46611, 1438916210, 0),
(38, 28, 'The path to smart merchant compliance', '#image_2 After nearly ten years, merchant-level payment compliance is still a relatively new concept in the U.S. Merchant acquirers needed time to ramp up compliance mitigation practices after the new PCI regulations were implemented in 2006, and despite steady progress, guiding merchants into taking internal data security more seriously turned into a day-to-day grind with no apparent end in sight. It’s already been a long road, with several unfortunate breaches that have heightened public awareness, and new wave of compliance now in tow.\r\n\r\nAt the onset, some acquirers embraced PCI compliance head on, requiring annual self-assessment questionnaires (SAQs) or the prospect of a steep fine. Others took a wait-and-see position until they were forced to engage, and those with higher stakes in integrated technologies and compliance-based partnerships, took a proactive educational angle to protect the future of their portfolios. Eventually, compliance strength would become a market differentiator and a mainstream service offering in the industry.\r\n\r\nToday, virtually all U.S. merchant service organizations offer some level of merchant compliance education and portfolio management to reduce risk and liability. Of course, these programs - whether initiated in-house or outsourced - require investment. However, it’s an investment that can be measured, and companies are now seeing healthy returns.\r\n\r\n“Data Security continues to be one of the most important issues facing the payment card industry. The PCI DSS is now a well-established unified security standard and the payment card brands are actively encouraging compliance within Merchants and Service Providers. Furthermore the industry needs to look beyond PCI DSS Compliance to Cyber security solutions to protect not only payment card information but sensitive customer and business data key to a business operation,â€ said Paul Prior, SVP Client Engagement, Sysnet Global Solutions.\r\n\r\n#h2 It''s time to re-assess your program\r\n\r\nAccording to Paul, now is the time for ISO organizations to look again and re-evaluate compliance programs, because the manpower required now to produce portfolio-wide compliance can be significant for a company, “Efficiently managing the compliance of an entire merchant portfolio requires an economy of scale if you want to achieve an effective return on investment,â€ added Paul. “There comes a time when outsourcing to an organization with the proven capabilities of delivering large-scale PCI DSS compliance programs just makes sense, you get all the manpower and focus required plus the added advantage of being able to compliment PCI DSS compliance with a portfolio of Cybersecurity solutionsâ€\r\n\r\nWith the deadline for the U.S. EMV liability shift bearing down on merchants, ISOs are under even more scrutiny to show due diligence. Without a concentrated EMV compliance education effort, an acquirer’s credibility could be at risk, opening the door for savvy competitors. The liability shift knowledge transfer will be critical to existing merchant/acquirer relationships.\r\n\r\nSysnet had this relationship in mind when they established their white label compliance model. The offering helps an ISO sustain credibility with customers and produce higher compliance results. \r\n\r\n“We believe most acquirers aren’t interested in handling merchant compliance in-house, but many are reluctant to outsource and introduce another brand to merchants,â€ Sysnet’s  SVP of Sales – Americas, Ted Lasch, said. “Sysnet gives clients a customized compliance portal and uses a white labeled call center model to address merchant compliance, so it appears the program is being handled under the ISO’s own roof.â€\r\n\r\nThe Sysnet model has been proven worldwide to produce higher portfolio compliance results than other third party competitors. The dedicated call center and web portal, both branded with the acquirer’s identity, are augmented with a comprehensive communications and education program that systematically ensures each merchant receives the alerts, announcements and guidance they need to achieve and sustain frontline compliance. Every message is presented as a seamless extension of the client’s brand to ensure merchants feel comfortable and less confused. Thereby, achieving a higher degree of credibility for the acquirer, and promoting a more effective call-to-action.\r\n\r\nSysnet has solutions for all sizes of payment acquirers, and can tailor their solutions to the needs of any organization, as desired. They also offer an “express versionâ€ of the primary offering to sales organizations which may have smaller portfolios or fewer compliance needs.\r\n\r\nFor more information about Sysnet’s white labeled solutions and how you can leverage them to get ahead of the compliance curve, go to <a href="http://sysnetgs.com">sysnetgs.com</a> or contact the company directly via email at sales@sysnetgs.com, or by telephone at USA: + 1 770 804 6429 / Europe: + 353 (0)1 495 1300.', 46611, 1439228548, NULL, NULL, 0),
(39, 1, 'Do you have access to the future?', '#image_8 In today’s fast paced and competitive payments environment, running a sales organization is far more challenging than it once was. In addition to cultivating and sustaining loyal relationships with customers, payment Sales Partners now must help merchants stay ahead of evolving industry security requirements and ensure they are up-to-date with the latest compliance practices. Add in a product landscape that is literally changing by the day to meet consumer demand, and a host of niche markets to serve, and it’s easy to understand why the business of selling merchant processing products is not a run-of-the-mill sales job.\r\n\r\nThe leaders at North American Bancard believe sales success in the industry is directly related to the <a href="http://www.northamericanbancard.com">merchant services</a> provider a Sales Partner or ISO is aligned with. Those linked to an MSP that provides payment technologies to address current market trends will always have an advantage. However, those aligned with a forward thinking MSP whose product team concentrates on progressive payment technologies and pricing strategies for tomorrow’s market needs, will always maintain the greatest competitive edge. NAB also contends the most successful payment services Sales Partners are those who can easily offer customers value added benefits such as flexible pricing and responsive customer service, in addition to the most innovative POS product offerings in the marketplace.\r\n\r\n#h2 Ultimate flexibility\r\n\r\nNAB takes care to practice what it preaches. The company has been recognized many times as an industry leader in developing first-to-market products. Its current product portfolio features smartphone and tablet solutions which were designed to help merchants establish a progressive, yet sustainable POS system designed for growth and the changing market. The NAB <a href="http://www.payanywhere.com">PayAnywhere Storefront</a> is known as one of the sleekest mobile POS solutions available to merchants today and NAB Sales Partners also have the freedom to bundle it with any type of offer or equipment pricing strategy - including the company’s free equipment program – to create a highly competitive package. This provides NAB Sales Partners with the flexibility to offer merchants a contemporary solution without traditional industry barriers such as fixed mobile pricing programs.\r\n\r\nWhen a merchant’s POS needs call for a more specialized or integrated solution, NAB also provides its Sales Partners with a state-of-the-art service portal called the <a href="http://www.nabvelocity.com">Velocity</a> Marketplace. This web-enabled tool provides Sales Partners with online access to the entire stock of the full-featured POS systems offered by NAB, enabling them to easily match and deliver the right merchant solution every time they board a client. The service was designed to provide Sales Partners ready access to all of the latest technologies offered in the marketplace, including dedicated systems designed to address specific vertical industry needs.\r\n\r\n“NAB is continuously looking for ways to improve Sales Partner offerings,â€ stated Yasser Abou-Nasr, president of Velocity, NAB’s wholly-owned product subsidiary, “This is the philosophy we have always applied to product development and pricing, and it is also what inspired development of the NAB Velocity Marketplace.â€\r\n\r\nThe online Velocity Marketplace is constantly updated with new and updated offerings from integrated POS partners in an effort to equip NAB Sales Partners and ISOs with real time access to the latest POS technologies available, enabling them to quickly identify and place a system based on a merchant’s current need and/or industry. The company foresees NAB Sales Partners utilizing the new Velocity Marketplace to expand their current base of potential customers and branch into industries previously untouched due to unknown POS needs.\r\n\r\n“The early responses we’ve received from our Sales Partners using the online Velocity Marketplace have been overwhelmingly positive,â€ continued Abou-Nasr, “Our partners are all excited to have close-at-hand access to the breadth of POS solutions we offer whenever and wherever they may be.â€\r\n\r\nIf you are an independent sales professional who is considering other MSP options, North American Bancard invites you to take a deeper look at our progressive product offerings, great residual income opportunities, and competitive pricing model. Join NAB now to gain access to the future of the electronic payments industry!\r\n\r\nFor more information, go to <a href="http://www.gonab.com">www.gonab.com</a> or contact us at 1-877-786-1653.', 46611, 1439419505, 46611, 1439419536, 0),
(40, 20, 'Boosting business through APIs', '#image_7 Over the past decade, software integration has become a popular way for payments companies to earn a market advantage in vertical industries and user groups. As payment processors began to utilize Application Program Interface (API) code to import customer payment data into proprietary POS and business applications, a new sales dimension emerged in the industry focused on software makers and their end user markets. \r\n\r\nCapturing electronic payment data was once a stand-alone process with most merchants either hand entering the financial information into accounting systems or manually uploading daily batches. When the automated technology was introduced, it didn’t take long for POS, accounting and enterprise resource planning (ERP) providers to understand the value proposition of having day-to-day payment data built into the customer interface. Profitable partnership channels emerged throughout the industry, bringing with them more sustainable and loyal merchant services customers.\r\n\r\nAccordingly, payments sales professionals evolved into more diverse business technology experts and the adoption of integrated payments by enterprise software companies became a norm. Merchants, both large and small, now expect applications with fully integrated payment data, as well as enhanced security and compliance features.\r\n\r\n#h2 An integration pioneer\r\n\r\nLeading the charge, Sage was a payments industry front runner in the API revolution. Already known for its robust business ERP and accounting applications, it made perfect sense for Sage to go another step toward linking data from its payment applications to its proprietary business systems.\r\n\r\n“Sage is the grandfather of payment system APIs,â€ said Joseph Smutz, Sage Director, Product Integration. “When Sage released its first integrated applications for merchants, the overall concept of payment data automation and enterprise level integration was barely emerging.â€\r\n\r\nToday, the Sage complement of enterprise level payment APIs has evolved into an expanded suite of technologies that will facilitate almost any over-the-counter POS and/or eCommerce business need. The Sage API suite easily accommodates high level security features such as tokenization and encryption, PA-DSS “Hostedâ€ solutions for web and on-premise transactions, mobile SDKs, recurring payments, automated account updating, with more to come soon including EMV (Europay, MasterCard, Visa) compliance.\r\n\r\nAll of these solutions are powered by the legacy Sage gateway and are fully supported by a dedicated in-house team. Every Sage integration customer receives dedicated integration team assistance, co-marketing options, implementation reviews, and certification. Furthermore, the Sage implementation process occurs through a quick set of standardized steps to ensure customers are up and running smoothly and quickly. The Sage customer support regimen also includes sample documentation, a dedicated set of team members to see each project through and a variety of turnkey options that result in an easy to implement solution configured to each customer’s needs.\r\n\r\nIf accounts require more advanced integration options, the Sage integration team will work closely with the customer to define a scope and enhance the standard implementation plan with technologies that accommodate the specialized requirements.\r\n\r\n“It’s not uncommon for our integration team to meet with enterprise clients to design a custom solution that fits a unique business model or processing environment,â€ Smutz continued. “In these cases, we blend together the best combination of third-party plug-ins and custom technology to satisfy the customer’s integration needs.â€\r\n\r\nAccording to Smutz and his team, these projects sometimes produce a new turnkey technology that can be added to the Sage API library. This library has been steadily building since Sage implemented its integrated solutions and includes a vast array of turnkey API code for popular features such as virtual terminals, recurring payments, “Buy Nowâ€ or ExpressPay buttons, “Donate Nowâ€ prompts, eCommerce, mobile commerce, and small-to-medium business integration with Sage One.\r\n\r\nAnd, as far as partnerships go, Sage is proud to have an A-list of long-standing relationships with top brands including eCommerce providers such as Shopify, Magento, K eCommerce, Prestashop, and WooCommerce, as well as the Wix, WordPress and Yola website platforms. They also support on-premise and cloud-based software partners such as Salesforce.com, Spreedly and CAP Software.\r\n\r\nIf you have an interest in exploring the integrated payments channel further, click here to learn how to boost your portfolio through the <a href="http://www.SagePayments.com/GoNow">Sage integrated partner program</a>, or call a Sage ISO recruitment representative directly at 888.453.4564.\r\n\r\nClick here for more information about <a href="http://www.sage.com/us/partners/payment-solutions/isv">Sage referral and ISV partners</a>.\r\n\r\n<a href="https://www.sagepayments.net/developer/Default.aspx?Registration=enroll">Developer information</a> can also be found here.\r\n \r\n\r\n', 46611, 1441388558, 3, 1442866930, 0),
(41, 1, 'Take steps to advance merchant growth', '#image_9 In the <a href="http://northamericanbancard.com">merchant services</a> industry, there’s nothing better than an excellent set of value added products you can offer to clients. These additional service offerings provide sales professionals with excellent opportunities to spend quality time getting to know clients and their individual business needs.\r\n\r\nValue added services come in a variety of packages. It often depends on how comprehensive or basic the merchant’s initial service agreement is or the vertical industry they are in. However, there are certain value added products any merchant can benefit from.\r\n\r\nIt is the sales partner’s responsibility to know when and how to suggest new opportunities to clients. For example, smaller retail merchants will often sign up for over-the-counter credit and debit card POS services. As the merchant’s company grows and evolves, the sales partner should know when to bring more advanced omni-channel products to the table. This hands-on approach not only demonstrates investment in the merchant’s future, but it also enhances the merchant services relationship, and reduces the risk of attrition.\r\n\r\nIn addition to helping merchant’s grow through enhanced payment acceptance vehicles, introducing value added products and services also creates an opportunity for sales partners to expand their own residual earnings. For this reason, when sales partners are looking to shift to a new merchant services company, value added services are often high on the priority list.\r\n\r\n#h2 Expect more than the norm\r\n\r\nNAB offers a full set of value added service offerings for sales partners to introduce to clients. The list includes everything from traditional payment products such as debit, credit and ACH, a variety of gift and loyalty programs, and also scalable mobile payment and tablet products. In fact, it is NAB’s standard to ensure sales partners always have something more to offer a client to help them strengthen and grow their businesses.\r\n\r\nTo sweeten this product portfolio further, NAB implemented the <a href="http://www.capitalformerchants.com">Capital for Merchants</a> cash advance program. This product is an excellent business development solution designed to help the small-to-medium sized business (SMB) boost its ability achieve the growth objectives that are often unattainable without financial assistance.\r\n\r\nExclusively owned, offered, and supported through NAB, Capital for Merchants account approvals are easier to obtain than a conventional business loan. The application process and review period are also much faster than traditional loan programs. As a result, on boarding is far more efficient, with applications processed and approved same day and funding made available within 24 hours after submittal. \r\n\r\n“We’re changing perceptions about cash advance products in the industry through accelerated approvals and positive underwriting changes,â€ said Capital for Merchants President Rhett Rowe. “We can now even board customers into the program that don’t have existing NAB merchant accounts through our ACH program.â€\r\n\r\nThe Capital for Merchants product also offers NAB sales partners unique selling benefits not always available in other cash advance programs. The product compensation schedule is one of the best in the industry, with earnings as high as 8% up-front and 2% in residuals on pay-back amounts for both initial and renewal accounts.\r\n\r\nNAB sales partners also have the flexibility of offering up to $500,000 to each customer, depending on qualification, and factor rates for the program are exceptionally competitive. In addition, the Capital for Merchants’ nimble underwriting process allows for boarding individual merchant locations on separate applications and re-payment durations can also be stretched to 18 months when authorized.\r\n\r\n“Our program gives a merchant options and the chance to maximize the independent borrowing power of every branch location in its network,â€ added Rowe, “It is designed to give them the flexibility they need to make updates and increase business, which is always a win-win proposition for both the client and their sales partner.â€\r\n\r\nIf you’ve been looking for a well established ISO with a world class value-added product suite that includes an easy to board cash advance product, it may be time to take a look at NAB and its Capital for Merchants program. For more information on representing NAB and its products, go to <a href="http://www.gonap.com/cash">www.gonab.com/cash</a> or call 1-877-537-5313.\r\n', 46611, 1442091739, 3, 1442866864, 0),
(42, 17, 'Calling all sales-preneurs!', '#image_6\r\nAs an independent sales agent in payments, your business model is much like a real estate or insurance agent who works remotely on behalf of a corporate brand. Generally, your day-to-day work is handled from a home or community-based office that functions much like other small business offices.\r\n\r\nYou spend the majority of your working hours finding and cultivating leads, submitting new customer applications, staying up on compliance requirements, and learning how to sell value added products. If you’re lucky, the Independent Sales Organization (ISO) you represent hosts regular live trainings and also engages you in webinars about pricing, product releases, industry trends, and regulatory changes.\r\n\r\nThough many industry sales professionals easily find success, they will also be the first to say how critical it is to treat your payments sales career just as an entrepreneur would treat a business venture. “You are responsible for your own success and that success will depend on how invested you are in learning the industry and building a well-rounded portfolio,â€ stated John Buchanan, Director of Third Party Sales. “Outside of choosing the right company, your level of investment is the biggest make-it-or-break-it factor you’ll encounter in a payments career.â€\r\n\r\n#h2 Learning is the key\r\n\r\nThe payments industry is also one of the most technical, sales-centric industries in play today. Therefore, payments industry agents must embrace a learning curve in order to assure every customer is presented with the latest technologies and the most progressive products. For some in the industry, this steep learning curve can become a hurdle, but the right company can help them achieve a fruitful career.\r\n\r\n“I joined the Cayan Agent and ISO program because of their great reputation in the industry. I was brand new to the payments industry and it was a big learning curve for me, but Cayan’s training and support teams were very helpful in getting me up to speed. Whenever I have a request or question, their team is available and provides me with a quick response,â€ said Cayan agent Anders M.\r\n\r\nCayan knows the payments world is complicated, so they’ve turned experience and the input of hundreds of agents into a sales training program that works and is fostering success across the entire Cayan sales network. The program initially centers on pricing, which is one of the most difficult facets to master in the industry.\r\n\r\nAgents attend a Pricing Crash Course hosted live every month and they also have access to a recurring interactive webinar hosted by Cayan Account Manager Adam Vetter, detailing cost comparisons in multiple real-life merchant on boarding scenarios. Cayan also offers agents access to numerous on-demand pricing courses and additional resources\r\n\r\nOther live trainings include courses about finding quality prospects and using sales tips and techniques that work, as well as on-demand trainings covering everything from how to structure a sales pitch, to understanding buyers and building customer rapport, to pitching value-added services. Cayan’s online cost comparison tool, Capital Bankcard Cost Pro, is also used by agents to produce real-time pricing comps by account type and SIC code that can be printed to include in proposals.\r\n\r\n#h2 Support, the Cayan way\r\n\r\nLastly, every agent is supported by account managers who guide them through the selling process and ensure they stay engaged in trainings throughout their Cayan career. These savvy managers also work closely with new agents to support them with analyzing statements, comparing costs, completing applications, and closing initial deals. An agent relationship manager is also assigned to work one-on-one with an agent after each application submittal to correct errors and respond to questions from underwriting to facilitate swift approvals.\r\n\r\nIf you’re looking to represent a payments organization that values learning, agent support and the entrepreneurial sales person, Cayan could just be the right fit for you. To learn more about the Cayan sales team and their comprehensive training program, go to <a href="http://www.cayan.com">cayan.com</a> or call 800.743.8047.', 46611, 1442499465, NULL, NULL, 0),
(43, 29, 'The changing ''FACe'' of merchant acquiring', '#image_2 It could be said that merchant level salespeople (MLSs) were the first payment facilitators, helping merchant customers navigate the ever-changing payment landscape. Over the years, MLSs have played a pivotal role in moving the industry forward, one merchant relationship at a time. Disruptions have been plentiful in this technology-driven business-for example, we are now seeing a new breed of payment facilitators; in addition to ISOs, Value Added Resellers (VARs) and Independent Software Vendors (ISVs) are getting into the business of delivering merchant services.  Through all these changes, what has remained constant is the integral partnership between merchant and acquirer. \r\n\r\nToday''s payment facilitators (PayFACs) continue that tradition of merchant support, but depart from the MLS norm by offering flat pricing and almost immediate merchant account approvals, both of which have proven popular with merchants. The PayFAC''s simplified application, underwriting and boarding model, which spreads risk across numerous sub-merchants within a centralized "master" merchant account, has made payment processing accessible to a broader segment of the merchant community. \r\n\r\nNo longer the exclusive province of micromerchants, PayFACs can now provide significant benefits to owners of both large and small businesses who are interested in simple, expeditious payment processing. The industry experts at Network Merchants, LLC identified this shift in the market and saw the need for enterprise-scale support among new and existing PayFACs. \r\n\r\nRoy Banks, chief executive officer at NMI, explains the issue at hand: "When they register as payment facilitators, some PayFACs don’t realize they need to build infrastructure to support payment facilitation. The failure–to-launch rate can be very high among recent PayFAC registrants, as a significant number of them abandon the overwhelming and expensive task of building this infrastructure.  Fortunately, our partners can leverage our FACenablement platform to get to market quickly and avoid building this expensive infrastructure. Our ready-to-deploy infrastructure supports all aspects of sub-merchant management, including onboarding, KYC compliance, accounting, billing, chargebacks, reporting, and online statements. All of this functionality is tightly integrated with our payment gateway platform." \r\n\r\n#h2One platform, infinite possibilities\r\n\r\nNMI''s FACenablement (FACe) is a flexible, scalable platform designed to support payment facilitators and their growing base of merchants. FACe platform features include:<ul>\r\n<li><b>One-stop payment processing</b><br />\r\nFACe provides an all-in-one processing solution designed to accept an array of payment schemes including Visa, MasterCard, Discover, American Express and Electronic Check</li>\r\n\r\n<li><b>Integration to payment gateway</b><br />\r\nFACe is seamlessly integrated into NMI’s Payments Enablement platform, which provides a wide range of payment gateway features and services relevant to ISOs and PayFACs alike.</li> \r\n\r\n<li><b>Expedited, real-time merchant onboarding</b><br />\r\nThe FACe onboarding kit, with KYC integration, automates the new account activation process. PayFACs can log into a secure web portal to create a sub-merchant account and gateway account in a single step.</li> \r\n\r\n<li><b>Sub-merchant billing and settlement</b><br />\r\nThe FACe platform will charge credit card processing and gateway fees set by PayFACs and route settlements directly to sub-merchant bank accounts.</li>\r\n\r\n<li><b>Enhanced reporting features</b><br />\r\nFACe provides detailed reporting to PayFACs and sub-merchants. Reports include consolidated statements for PayFACs and reconciliation, chargeback notification and chargeback importation for sub-merchants.</li></ul>\r\n\r\n#h2Heritage of innovation \r\n\r\nNetwork Merchants LLC, headquartered in Roselle, Illinois, has been providing brandable payment gateway products and services since 2001. A broad range of companies have leveraged the NMI platform to provide their merchants with best-in-class payments technology. \r\n\r\nPayment facilitators using the FACe platform also have access to NMI''s payment gateway platform and its full suite of complementary features and value-added services. Network Merchants’ innovative payment facilitator platform delivers speed, simplicity and elegance; in it, the industry sees a new FACe of gateway payments.\r\n\r\nFor more information on our FACenablement platform contact us at 877.757.7794 or visit <a href=''https://www.nmi.com/facenablement'' target=''_blank''>www.nmi.com/facenablement</a>\r\n', 3, 1442508725, 3, 1443716871, 0);
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(44, 17, 'Cayan’s relationship managers make it easy<br> for agents to succeed', '#image_7\r\nThere are many reasons our agents and ISOs love selling for Cayan, but it’s our relationship managers that routinely receive the highest marks from sales agents and customers alike. In fact, according to the Cayan sales force, these five-star support professionals make all the other reasons shine even brighter.\r\n\r\nWhy is Cayan’s relationship team so celebrated? We asked Director of Third Party Sales John Buchanan to give us a little insight:\r\n\r\n#h2 Q:  Why are Cayan’s relationship managers important to the sales team?\r\n\r\nThis is the team that helps guide new agents through the training process, and more importantly, they assist in getting them started on a successful sales path. Our relationship managers make sure each recruit is equipped with the tools and knowledge needed to go into the field confidently and feel assured of success.\r\nIn addition, the relationship support team is dedicated to teaching young Cayan agents what it takes to be successful. Our team keeps a close eye on them and works closely with each one to ensure they know how to close deals and build a vibrant, sustainable portfolio.\r\n\r\nOnce an agent is more seasoned, the relationship managers are the conduit that keeps them connected to the training process and apprised of industry happenings. Keeping fingers on the pulse of what’s changing in the industry is part of the role the relationship managers fill at Cayan. This helps ensure the sales team stays in front of market needs and knows where to concentrate to earn prospective business.\r\n\r\nOf course, these support personnel are also ready and willing to answer field level questions about pricing, technical implementation, customer service, and value added services. They’re there to help the agents any way they possibly can, because they know the company’s success relies on the success of the sales team.\r\n\r\n#h2 Q:  Can you describe the main role of the Cayan relationship manager?\r\n\r\nThis is difficult, because it’s not just one thing. In short, their main objective is to the support the agent in whatever way they can to ensure they are successful and well provisioned.\r\n\r\nBecause they work so closely with the new recruits, it doesn’t take long for any one agent to get on a first name basis with all of our relationship managers. This camaraderie continues to develop throughout the sales person’s tenure with Cayan.\r\n\r\nOne of the key contributions the relationship managers make to the sales team is training. We host live webinars every business day of the month, with many of these events personally moderated by the support team. This practice links the two groups together even more and it helps to foster their relationships. In a typical scenario, an agent might talk to Amanda by phone one day regarding an application, then attend a webinar she is moderating the next. It makes for a very collegial environment and the support group is viewed by every agent as a vital part of the sales process.\r\n\r\n#h2 Q:  What makes Cayan’s relationship management approach unique?\r\n\r\nWe’re set up with a dedicated team of client service representatives and relationship managers that are there exclusively to support our agents. \r\n\r\nWe have different experts within the relationship manager group who are called upon to serve as subject matter experts when needed. Our team is well versed in the entire sales process from start to finish, so every relationship manager can help all agents with challenges and questions, and they all train on prospecting, closing, where to find leads, value added services, etc… This model enables us to offer the highest level of support to any agent, at any time, all accessed through a single entry point.\r\n\r\nThis affords the agents with immediate attention and the assurance their needs are being met and viewed as a top priority. We keep the support team well staffed, so there is always ample service availability. The best part is that they’re all Cayan employees. This way the agents are supported 24/7 in-house, without the help of third parties.\r\n\r\nTo learn more about Cayan, its relationship management team and how to join the sales team, go to:  <a href="https://cayan.com/partners/iso-agent-program">https://cayan.com/partners/iso-agent-program</a> or contact us directly at 800.743.8047.\r\n', 46611, 1444800098, 46611, 1444835144, 0),
(45, 20, 'The value of in-house offerings', 'There are many merchant services providers in the payments industry for agents and ISOs to align their excellent selling skills with. In fact, when an agent decides it is time to explore a new company to represent, the endeavor can be nearly overwhelming. The industry is full of capable providers, all of which claim to offer the best compensation packages, the latest and greatest products, and unbeatable, high-end technologies. Moreover, every one of them is almost always actively recruiting, so it can be tough to cut through the sales speak and decide which one is the best fit for you.\r\n\r\nHow does a young agent, or even a seasoned one, discern which company is right for them? Sage feels the brand should be the first consideration. It doesn’t matter how much moxie a company claims to offer, if they aren’t well known within the industry, it’s difficult to size them up. The companies with a solid history that have also developed recognizable, positive brand equity will also generally have a word-of-mouth brand. This is important, because everyone knows the unsolicited referral is worth its weight in gold.\r\n\r\n#h2 What’s under the hood?\r\n\r\nOnce you have a credible referral, and a sense of a company’s overall reputation, it’s time to start looking under the hood. What equipment do they sell and how does it meet the needs of current market demands? How does their line-up of value added products and services compare to the offerings of other companies? What do customers have to say about their service, on-boarding practices and technologies? All of these areas will need deep consideration if you want to make a solid step forward in your agent career or align your ISO with an upstanding merchant services partner.\r\n\r\nSage Payment Solutions is not only highly regarded by the industry at large they offer a true end-to-end mix of in-house products. This keeps your customers – as well as all the on-boarding legwork – under one roof to maximize efficiency and speed.  Even though Sage offers 30 years of credibility, a portfolio that is 6.5 million customers strong and a back-end that handles 2B in annual revenue, their biggest value proposition to ISOs, agents and merchants alike, is the full scale suite of proprietary products and services the offer.\r\n\r\nThis means you and your customers will be assured the investment of time and money is less than it would be if each product were handled independently through both in-house and third-party providers. When you’re backed by a company with this kind of strength, you can rest assured that you won’t have extra red tape to cut through on your end, which also opens up time to do what you do best; build relationships with your customers and help them adopt the right solutions that will enable a thriving business environment.\r\n\r\n#h2 Well-rounded SMB provider\r\n\r\nIt doesn’t stop there. Sage is not only highly regarded worldwide for exemplary customer service, conscientious partnership terms, and an expansive in-house product portfolio. The company’s technical capabilities are also considered cutting edge.\r\n\r\nIndeed, Sage takes this commitment so seriously, they even provide valuable unbiased education materials to the industry and its customers in the form of white papers, blogs, technical overviews, and other mediums. One such item is a recent white paper entitled Mobile Payments: What Every Small and Mid-Sized Business Should Know; a thirteen page “how-toâ€ guide packed with beneficial information and a little “Sageâ€ advice.\r\n\r\nIf you’re looking to make a career change and are considering which merchant services provider to align with, we invite you to give Sage Payment Systems a look. We’ll welcome you in to look under our hood anytime and we’re confident you’ll love what you find. For more information, please visit <a href="www.sagepayments.com/gonow">www.SagePayments.com/GoNow</a>, or call a Sage ISO recruitment representative directly at 888.453.4564. \r\n\r\n\r\n\r\n', 46611, 1444886473, NULL, NULL, 0),
(46, 1, 'Online merchant enrollment made easy!', '#image_10 Online merchant applications aren’t new to the payments industry. In fact, the marketplace has a wide variety, with each of them also offering varying degrees of automation. Few, if any, provide a true end-to-end automated experience that will guide an applicant from a self-service entry point all the way through to the underwriting approval process. Most online applications are complex, often patterned after the traditional paper application, and they require a great deal of data entry by the applicant or sales professional.\r\n\r\nWith this in mind, North American Bancard (NAB) set out to create a more streamlined type of online enrollment experience. Already known for its straight forward and easy to complete enrollment interface for boarding mobile merchants to the NAB PayAnywhere and Phone Swipe platforms, the company felt they could duplicate this streamlined experience for other customers. As a result, NAB has launched a simple, intuitive, online boarding application that ensures ALL applicants have a more convenient way to apply online.\r\n\r\n#h2 A technology company first\r\n\r\n“We’re a technology company that happens to be rooted in the payments industry,â€ said NAB chief executive officer and founder, Marc Gardner. “I cannot think of a piece of technology we’ve built that doesn’t excite me, and this simplified application is a testament to our team’s technological abilities, as well as the company’s forward thinking values.â€\r\n\r\nNAB’s enhanced online merchant enrollment application, aptly named Simplified Enrollment, makes on-boarding for any type of NAB product, including <a href="http://www.northamericanbancard.com">credit card terminals</a> and eCommerce solutions, simple and convenient for the merchant. Similar to the PayAnywhere online merchant application, the new online application offers clean, sharp designs and a smaller number of required fields. The sleek look and feel, as well as the easy to navigate interface, ultimately makes the on-boarding process more efficient and convenient for every merchant and sales partner.\r\n\r\nConsidered another revolutionary move by NAB, the Simplified Enrollment application process is expected to quickly replace what has been a predominantly manual application process at the company for traditional products; a process that has also required physical signatures and a large investment of time. The new process not only affords each merchant with a self-guided enrollment option, but it also gives the sales partner direct access to help initiate or complete the application on the merchant’s behalf. Once completed, the sales partner just passes it to the merchant to validate their identity and input their digital signature, and the application is then submitted directly to underwriting. Once in underwriting, the application’s review and approval status can also be monitored by the sales partner, completing the process.\r\n\r\nSimplified Enrollment will even be integrated with NAB’s pricing profiles, allowing sales partners to set the appropriate rates and fees for each merchant or use a standard pre-set plan and pre-fills the information into the application, further simplifying the process. This affords the merchant and sales partner with even greater efficiencies and a pricing model that can always be customized and trusted to be error free.\r\n\r\n#h2 Personalize it!\r\n\r\nRegistered NAB ISOs are also able to promote a white labeled version of the Simplified Enrollment portal, offering their customers the same seamless on-boarding experience as those who enroll directly through NAB.  Every step, from the first point of contact to the submission, is branded with the ISOs logo and color scheme to build brand equity and keep all merchant communication clear.\r\n\r\nNAB’s Simplified Enrollment process is just one more step the company has taken to assure every aspect of managing a merchant portfolio is enhanced by the best technologies available in the industry. “The new application process will make signing up merchants quicker and easier than ever before and we know a better experience for merchants only leads to more conversions for the sales partner,â€ concluded Gardner.\r\n\r\nIf you are an independent sales professional who is considering a career move, North American Bancard invites you to take a look at <a href="http://www.gonab.com">www.gonab.com</a>, or contact a sales partner representative directly at 1-877-786-1653.\r\n', 46611, 1447266840, 3, 1456766115, 0),
(47, 17, 'Whatever a merchant needs, we have the solution', '#image_8\r\n\r\nIt’s true; there are many different types of merchants. This is why the payments industry offers a wide variety of products to help businesses of all types accept payments, incentivize and reward customers, obtain extra working capital and track purchasing activity. In fact, because merchants can be highly diverse in size, type and need, knowing how to provide each one with just the right solution package has become quite a technical and complex job.\r\n\r\nIt is this complexity that has guided the electronic payments trade from being a single-dimensioned and simple direct point of sale vertical into the multi-billion dollar fintech industry it is today. What’s more, the industry has become so dynamic, service providers are constantly being challenged by consumer demand to expand and enhance product portfolios or risk customer attrition. Now a far cry from the simple merchant services providers they once were, successful payments companies in today’s age have had to become multi-faceted electronic commerce providers that offer some of the most advanced technological solutions at play in the business marketplace. Indeed, the business case behind the industry is thought to be responsible for moving the world through a commerce revolution that has taken consumers and merchants from over-the-counter buying, to online purchasing and onto the present day’s mobile payments transformation. \r\n\r\nPayments industry sales people have also experienced a professional transition and seasoned agents are now viewed as specialized technology experts. To be proficient, a sales person in the payments industry needs to be intimately aware of the entire breadth of the product offerings the industry offers, along with why and how each product works better for one merchant versus another. It’s this knowledge that gives Cayan sales representatives the assurance they will always have a complete line of products available to offer each customer independently, regardless of the merchant’s size, POS requirements or vertical industry.\r\n\r\n“Cayan believes it is critical for sales agents to have ready access to a complete complement of merchant products that are contemporary and fit today’s business environments,â€ said John Buchanan, Cayan Director of Third Party Sales. “This not only enables them to establish a well-rounded relationship with new customers, but it also ensures they can sustain that relationship, and it will evolve along with the ever-changing provisions within the industry.â€ \r\n\r\n#h2 Something for everyone\r\n\r\nIn addition to a full line of traditional payment products that include countertop terminal and tablet-based POS solutions, Cayan agents have a wide variety of value added products and services to offer merchants. Depending on the scope of a business, and how diversified they need their payments package to be, the Cayan product suite is designed to work seamlessly and handle every job. From mobile payment acceptance to taking automated clearinghouse payments, there’s always a Cayan product solution to whatever the customer needs.\r\n\r\nHere is a list of Cayan’s end-to-end suite of value added service offerings:\r\n<ul>\r\n<li>Customizable gift and loyalty program with real-time online reporting and redemption, cross-location and reconciliation capabilities, as well as franchise or merchant group options.\r\n<li>Wi-Fi for merchants to enhance their customers’ experience and increase engagement.\r\n<li>Check processing enables merchants with the ability to accept check payments electronically just like they would a credit card.\r\n<li>Working capital program provides small and medium-sized businesses with fast turn-around loans and working capital to grow.\r\n<li>Mobile EMV solution outfits a merchant with everything needed to take a mobile payment via iOS and Android devices, providing chip card acceptance, text and e-receipts, inventory management and real-time reporting and analytics.\r\n</ul>\r\nWith an entire set of value-added offerings readily available to them, Cayan sales agents can take advantage of every opportunity that arises to help a merchant accept every form of electronic payment, run their operation more smoothly and efficiently, and expand into the bigger company they’ve always envisioned becoming. All of which, can be offered directly from a well appointed and highly regarded service provider in the industry.\r\n\r\n“In today’s world, sales professionals have to feel confident the company they represent is progressive and will take care to ensure its product line stays at par with the needs of the marketplace,â€ concluded Buchanan. \r\n\r\nFor more information on Cayan, its sales agent program and its service offerings, go to <a href="http://www.cayan.com">cayan.com</a> or call a representative directly at 800.743.8047.\r\n', 46611, 1448986702, 46611, 1448986813, 0),
(48, 20, 'All gateways were not created equal', 'Today, all electronic transactions are processed through a gateway application that facilitates final authorization and enables the transfer of funds from one account to another. The gateway is what encrypts a cardholder’s sensitive transaction data to ensure it cannot be stolen during the processing journey, and it also stores important authorization detail that is carried between parties or integrated into a merchant’s accounting system.\r\n\r\nVarious forms of gateway technology are used for card-based transactions made through counter-top POS machines and mobile/tablet devices, as well as purchases made without a card online or by mail/telephone using virtual terminal software. While each application is slightly different, they are all dependent on the gateway to move the card data through the system.\r\n\r\nTo say gateway technology must be robust, iron clad and foolproof is an understatement, but that is only the beginning. Since the gateway is what carries a transaction through the entire authentication and authorization process, it also must be as quick, reliable and efficient as it can possibly be; especially when it is being used to process high volumes of transaction data every day. These are the subtle differences many merchants, and even sales agents, don’t look for when evaluating the best gateway products in the marketplace.\r\n\r\n“Functionality such as response times, recurring billing features, virtual terminal options and seamless integration are all critical components to understanding whether a gateway product is going to be right for a merchant,â€ said Joey Smutz, Sage Director Product Integration. “Most merchants are only thinking about what happens on the front-end, but the back-end gateway capabilities and its security standing, are just as important to look at when selecting a provider.â€\r\n\r\n#h2 End-to-end security matters\r\n\r\nFurthermore, the payment card industry requires gateway technology to be PCI-DSS certified to ensure fraudsters aren’t able to hack into the system to steal personal cardholder information. In many cases, certification of the gateway’s code is also what is used to certify a software application that has been integrated with the gateway through an API. These integrations enable the gateway to send transaction data to a user’s POS, accounting or business management software; all of which must be PCI compliant as well.\r\n\r\nIn short, the payment gateway is not only the brain of a transaction; it also serves as a conduit, a vault and a multi-level communicator. Therefore, the easier and more straight forward it is to install and support a gateway, the more beneficial it will be down the line for the merchant and its customer-base.\r\n\r\n#h2 Benefits of in-house technology\r\n\r\nAs a sales agent, and on a regular basis, you will encounter prospective merchants and/or software vendors that are looking for an exceptional gateway product. Most often, these customers want to work with a reputable company that can bundle gateway services together with the merchant services account. While many merchant services providers offer gateway provisions, only a few have the in-house capacity to offer a proprietary gateway product. Generally, their accounts are bundled with an externally owned gateway product that requires support from an outside party.\r\n\r\n“The Sage Gateway is not only fully compliant, it is an optimized gateway solution that was developed and is supported in-house to provide our merchants with the strongest, end-to-end processing solution they can ever have,â€ continued Smutz.  \r\n\r\nAs a result, all Sage sales representatives and integration partners can rest easy knowing they are offering their customers the highest level of dependability, a fully compliant and secure gateway solution and several added benefits at the same time. In fact, the Sage Virtual Terminal product is designed to work compatibly with the Sage Gateway, giving merchants the flexibility to take a transaction anytime and anywhere without a card-swipe or special set-up. Merchants simply log into the Sage cloud-based dashboard and enter customer transaction detail directly into the gateway resulting in an easy, versatile payment acceptance experience that can be trusted.\r\n\r\nAdditionally, since the Sage Gateway pairs perfectly with our other merchant products, there is never any question about where all the sensitive data is going, how fast or how slow a transaction will ever be, and whether the payment is secure. The Sage Gateway and Virtual Terminal  products are both Level 3 certified, which generally carries through to the POS software it links to, providing a true end-to-end system that is trouble-free, efficient and reliable.\r\n\r\nFor more information about the Sage Gateway and Virtual Terminal products, or to inquire about joining our sales team, please visit <a href="http://www.SagePaymentSolutions.com">www.SagePaymentSolutions.com</a> or contact us directly at 877-394-2451.\r\n', 46611, 1451947131, 46611, 1451947232, 0),
(49, 35, 'We’ve made “friendlinessâ€ a core value', '#image_2 When it comes to reselling for a payments company, there are a plethora of options available within the industry. In many cases, the decision of who you will represent comes down to a specific technology offered or how the organization approaches its relationships. This is certainly the case for the reseller partners of USAePay.\r\n\r\nUSAePay, and owners Ben and Alex Goretsky, have offered the payments industry and its sales organizations a leading payment gateway product for over 15 years. Our stable and secure technology, and the company’s fundamental approach to doing business with our partners, has earned USAePay an acclaimed reputation and a brand identity that is par-none to other gateway service providers.\r\n\r\nWe attribute our success to a simple philosophy we’ve come to think of as a “reseller friendlyâ€ approach. “With deep roots in merchant services, in the late 90’s, we saw a need for a better gateway product,â€ stated Ben Goretsky, CEO and Founder at USAePay. “We set out to build a gateway product we would be willing to use, and vowed to support it with the best customer service the industry could offer.â€\r\n\r\n#h2 Technology in a class of its own\r\n\r\nUSAePay’s payment gateway supports all major platforms in the credit card industry and works with most of the leading check platforms. We also work closely with many large merchant service banks across the U.S. and abroad.\r\n\r\nOriginally created to support eCommerce transactions, our gateway technology is now certified in multiple environments, including retail, mobile, and mail/telephone orders. It is also easily integrated with industry-specific softwares.\r\n\r\nThe USAePay gateway product was also one of the first payment gateways to become Level 1 PCI compliant and offer advanced tokenization security. We also partner with multiple third party security scanning companies to ensure our product maintains the highest, top-level security for the transactions our partners entrust us to process.\r\n\r\nThe technology is also held to a rigid standard of security, supported by three different data centers across the U.S. to ensure full redundancy, should one location go off-line unexpectedly.\r\n\r\n“We have our own set of corporate standards for security, which tend to greatly exceed what is required by PCI,â€ said Tim McEwen, USAePay CTO. “We also continually monitor all the traffic that flows through our system to provide real time protection.â€\r\n\r\n#h2 Great people to work with\r\n\r\nAll of these capabilities are paramount to ensuring USAePay can provide an excellent gateway product to resellers, merchants and developers within the electronic payments industry. However, the company’s leadership attributes its success to the people that work for and support them, as well as the friendly approach these people take as they provide customer care. They believe this style of relationship-building is what sets USAePay apart from other third party service providers in the industry.\r\n\r\n “Our reseller channel is unique in that we are ‘reseller friendly,’ meaning we don’t compete with our reseller channel as far as acquiring merchant accounts,â€ said USA ePay EVP, Martin Drake. “Our channel-friendly payment platform is here to help our resellers grow and our merchants succeed. We just want to be positioned as an innovative technology company that - oh by the way - specializes in payments.â€\r\n\r\nIndeed, the company never sells merchant accounts directly. In Ben Goretsky’s words, “If a merchant does approach us, we will refer them to a list of resellers on our website and sometimes refer them to resellers we’ve talked to at trade shows.â€\r\n\r\nThis level of customer respect carries through the company’s entire culture. For example, new customers always receive one-to-one service when it comes to setting up accounts, testing them and assuring their development team feels 100% satisfied the account is safe and secure before it goes live.\r\n\r\n“The whole idea of our reseller program is that it is custom made to any reseller,â€ added Alex Goretsky, USAePay CFO and Founder. “Tell us how you want to handle your merchants, and how they want to be handled, and we’ll work with you to accommodate that.â€\r\n\r\nIn short, USAePay is not only an innovative technology company that specializes in payments. We are a dedicated service provider that is committed first to honoring our customer and maintaining the integrity of the relationship. This philosophy is what has helped us grow into the well-respected, worldwide gateway service provider we are today.\r\n\r\nFor more information on USAePay, our signature gateway technology, or becoming one of our resellers, please visit our <a href="http://usaepay.info">website</a> or call us directly at 1-866-USAePay.', 46611, 1452296047, 46611, 1452297125, 0),
(50, 27, 'Today’s merchants want POS excellence', '#image_2 Countertop POS systems for retailers, restaurants and other types of over-the-counter (OTC) businesses have evolved dramatically in the past ten years. The original analog set-up with a cash register and stand alone card swipe terminal was upgraded to locally-hosted, complex POS software systems that powered register/terminal combinations.\r\n\r\nToday, those applications are considered clunky, and are being replaced in droves by sleek, mobile tablet-based systems. These systems operate high-capacity, cloud hosted mobile applications that can often be deployed to several devices at one time through a wireless set-up.\r\n\r\nGone are the days of running transactions from one designated location within an establishment and the eyesore machines that took up half of the available counter space. Contemporary systems have progressed to lightweight, beautiful and highly efficient touch screens that merchants are now clamoring to adopt.\r\n\r\nAs a result, merchants everywhere are shopping for the systems that will best meet the needs of their specific industry and all of the above represents a unique selling window for sales professionals and resellers alike. Add in the U.S. requirement for all merchants to be EMV (Europay, MasterCard, Visa) compliant and sales professionals in the payments industry have a perfect scenario to get a foot in the door to pitch a new idea.\r\n\r\nHowever, not all merchant services organizations offer suites of operating systems, hardware options and software that have been vertically tailored to meet the needs of specific POS-centric industries such as retailers, restaurants and personal care businesses. Moreover, the systems that are offered in the marketplace have a wide range of options to consider. This means, as a seasoned sales professional you’ll need to do all your homework and isolate the system(s) you feel have the most potential.\r\n\r\n#h2 Different systems for different customers\r\n\r\nAs you evaluate the types of POS systems you are interested in selling, you will most likely be comparing them to your own portfolio of business. After all, most POS systems have been designed and programmed to cater to a particular genre of customer, so they come equipped with value-added features to make special OTC and/or data management requirements easier for the merchant. For example, retailers may need inventory management features, while salons and restaurants will want unique tipping features built in.\r\n\r\nIdeally, you’ll be able to sell a system that has features for many different OTC industries. For example, the UP Solution® POS Software suite, paired with the new UP Tab™ 5850 15â€ Android POS terminal or the Android tablet/cradle all-in-one system, provides an uncompromised, lightweight POS configuration for multiple merchant markets – Retail, Restaurants, Salons and Hospitality.\r\n\r\n“For business owners, the UP TAB™ suite provides smaller volume hospitality, retail and personal care businesses with a cost effective POS solution that combines a light operating system with full featured software and cloud-based management tools. The UP TAB suite is intuitive and easy to operate and maintain…practically plug-and-play,â€ said Jay Yoon, UP Solution CEO and President.\r\n\r\nUP Solution® POS Software, which is available to merchants as a cloud-hosted SaaS or locally-hosted downloadable software, contains a customizable, intuitive user interface that maximizes productivity. The customer and business management features help streamline operational activities and customer flow to enhance the customer experience. The UP Solution® Cloud Services back office provides robust business analytics to streamline employee, vendor and inventory management, to help maximize profitability and control losses.\r\n\r\n#h2 Ideal for sales partners and resellers\r\n\r\nThe UP TAB™ suite requires little or no learning curve, enabling UP Solution® sales partners to expand their earning potential almost instantly.\r\n\r\n“It’s a full featured POS system that is easily operated and requires low maintenance,â€ stated Sean Chung, UP Solutions Assistant Director, Relationship Management and Marketing. “Our cloud-based offerings are the perfect solution for our partners, because they were created to support the learn, earn and grow formula for success, and the UP TAB™ suite is a great example of a product that makes this achievable for our partners.â€\r\n\r\nOf course, the new UP Solution® Android package complements the company’s legacy POS products historically available to Windows-based merchant users. In accordance with the company’s standard practices, these products have also been tailored and packaged specifically for various high-volume POS-driven vertical markets. These offerings, along with the entire portfolio of UP Solution® payment processing, loyalty/rewards, POS hardware, POS software, and value added products, give UP Solution® partners access to a one-stop service provider that will help them increase customers and residual income potential.\r\n\r\nIf you are researching the POS systems you’d like to offer your pipeline of merchants, or you are interested in exploring a new sales partnership opportunity, UP Solution® invites you to take steps to learn more about the POS systems we offer and our competitive partner benefits. For more information, please visit <a href="http://upsolution.com/partner_benefits">our partner website</a> or contact us directly at (855) 835-7919 / sales@upsolution.com.\r\n', 46611, 1452740807, NULL, NULL, 0),
(51, 20, 'Many SMB needs, one supplier', '#image_8\r\nISOs and independent payment sales professionals live and die by the business trends of the small-to-medium business (SMB) community. They are also able to grow their business portfolio when customer relationships thrive and foster on loyalty. Especially when it brings about repeat business as the same customer adds payment and/or financial products into their solution mix when they expand and grow.\r\n\r\nAccording to the Q4 2015 PYMNTS.com SMB Technology Adoption Index, powered by Sage, nearly half (48 percent) of SMBs use one technology supplier to handle accepting payments, processing payroll, issuing invoices and accounting. This is great news for Sage sales representatives because it means the portfolio of Sage product offerings are exactly what you and your customers need to be successful.\r\n\r\n"Small and medium businesses want a flexible, integrated, end-to-end system for managing the movement of money -- that is, seamlessly getting paid, making payments, and managing cash flow -- and vendors who can provide these types of solutions have a distinct opportunity," said Paul Bridgewater, CEO of Sage Payment Solutions, the payments division for Sage North America. "Price isn''t necessarily the primary consideration for SMBs; rather, they want suppliers who can deliver a comprehensive solution to help them smartly manage their companies."\r\n\r\n#h2 Integrated financial management solutions\r\n\r\nAs a Sage representative, you will have your fingertips on all of the services offered by Sage, which makes up a comprehensive business management portfolio. Moreover, each Sage product seamlessly integrates, providing the end-to-end experience every business owner wants and needs to progress.\r\n\r\nSage is the market leader for integrated accounting, payroll, and payment systems. They are known for reinventing and simplifying business accounting through brilliant technology. They also have an excellent track record of working with a thriving community of entrepreneurs, business owners, trades people, accountants, partners, and developers, to ensure the technologies are meaningful and effective.\r\n\r\nThe company’s dedication to helping small business owners thrive is one reason Sage has partnered up with PYMNTS.com to develop and release the quarterly SMB Technology Adoption Index, which will look at business and technology trends impacting SMBs in the U.S.\r\n\r\n#h2 More on SMBs\r\n\r\nIn addition to the information listed above in this article, the Q4 2015 index also shed light on several other key SMB insights:\r\n\r\n<ul>\r\n<li>64 percent of SMBs that are not currently prepared to accept EMV cards have no plans to do so.\r\n<li>Electronic invoicing is gaining adoption as 31 percent of SMBs use electronic invoicing, and, of those SMBs, 20 percent can also accept payments electronically.\r\n<li>46 percent of SMBs cite not getting paid on time as the most frustrating thing related to receiving payments from customers.\r\n</ul>\r\n\r\n"With nearly 28 million small businesses and 22 million self-employed workers in the U.S., small and medium businesses account for about 60 percent of net job creation," said Karen Webster, CEO of PYMNTS.com. "It''s vital for us to have a continuous understanding of the support these businesses need in order to continue to grow and thrive. The quarterly SMB Technology Adoption Index will provide that, while educating SMBs about the important technology options available to them."\r\n\r\nAs you consider which payment services platform to represent and where you want to board customers for the long term, Sage encourages you to consider our capabilities, and the possibility of assisting merchants with everything they need to manage business finances.\r\n\r\nFor more information about Sage, their business services products and the Sage Partner Sales Program, go to <a href="http://www.SagePayments.com/GoNow">SagePayments.com/GoNow</a>, or call a Sage ISO representative at 888.760.0945.\r\n', 46611, 1455389761, NULL, NULL, 0),
(52, 20, 'Eight SMB payment security tips for 2016', '#image_9 Payments industry sales professionals are always looking for ways to help customers find ways to excel in business and ensure their assets are protected. When it comes to managing payments, the latter almost always involves protecting consumer data and/or the financial backbone of the customer’s business.\r\n\r\nThis year brings a lot of opportunity for small and medium businesses (SMBs). The International Monetary Fund (IMF) expects world economic growth for 2016 to be somewhere around 3.6 percent – higher than the predicted 2015 growth of 3.1 percent.\r\n\r\nUnfortunately, amidst this positive backdrop lurks the negative threat posed by hackers and cyber criminals. More than 4,000 cyber attacks happen daily and one study notes that one in five SMBs will fall victim to a cyber criminal.\r\n\r\nWith the variety of payment options available to customers, the growth of mobile purchases, and the increased sophistication of cyber attacks, SMBs must take extra precautions.\r\n\r\nHere are eight payment security recommendations all SMBs should follow:\r\n\r\n1.	<b>Be vigilant</b> – Keep detailed records of all sales transactions, including the date, time, contact information for the customer, and names of employees involved in the sale. Detailed notes will become invaluable if a data breach does occur.\r\n\r\n2.	<b>Act fast</b> – In the event of a data breach, the key is to determine the cause of the breach and implement solutions as quickly as possible. Your detailed records should help you determine exactly when the breach occurred, allowing you to immediately take action to fix the situation and let affected customers know.\r\n\r\n3.	<b>Communicate</b> – A Bizrate Insights study from earlier this year found that the more than two-thirds of buyers worried about data security are more confident when making online purchases when a well-known trust symbol is visible. Tell your customers about precautions your business is taking to protect personal and credit card information.\r\n\r\n4.	<b>Pay special attention to online orders</b> – When a card isn’t present at the point of sale, such as during an over-the-phone or online transaction, they’re inherently riskier; thus, SMBs should be even more aware of possible fraud.\r\n\r\n5.	<b>Train employees</b> – If your employees – the eyes and ears of your business – are well-trained on your payment processing platform, they can better detect when something seems wrong. Consider having employees complete a payment checklist for every purchase. The checklist should verify that address verification (AVS) is a match; confirm the 3-digit CVV security code; and ship to the AVS-verified cardholder billing address.\r\n\r\n6.	<b>Don’t keep credit card information</b> – Storing credit card numbers at your business site or on your software is a breach waiting to happen. Don’t rely on data security to be completely safe. If you don’t store sensitive credit card data, you’ve already taken a major step toward lessening your fraud threat level.\r\n\r\n7.	<b>Don’t slack on compliance</b> – Ensure your software is updated and your businesses’ payment security programs are compliant with the PCI Security Standards Council. Your software should also be certified by the Payment Application Data Security Standard (PA-DSS). And, don’t forget about EMV regulations, which went into effect last October.\r\n\r\n8.	<b>Use end-to-end encryption</b> – Keep sensitive information safe with end-to-end encryption, one of the best protectors SMBs can use to keep important information from getting into the wrong hands.\r\n\r\nIf you are interested in learning more about the Sage Partner Sales Program and how it can help you and your merchants, go to: <a href="http://www.SagePayments.com/GoNow">SagePayments.com/GoNow</a>, or call a Sage ISO recruitment representative directly at 888.760.0945.\r\n', 46611, 1455482264, 3, 1456766166, 0),
(53, 13, 'Total Merchant Services: Supporting Today''s Salespeople', 'Merchant level salespeople (MLSs) have been moving the payments industry forward, from early electronic authorizations to today''s impressive array of digital payment technologies. And they have had no better partner than Total Merchant Services, a company founded by and for sales partners in 1996, to grow their business and their revenue. In fact, over the last 20 years, Total Merchant Services has paid millions of dollars to its sales partners.  \r\n\r\n"We''re always working to maximize sales partner success," said Joe Kaplan, CEO. "We combine great products, great service, turnkey marketing and the best compensation plans in one package for our sales partners. When we deliver, our partners succeed, and we succeed."\r\n\r\n#h2Innovative Compensation Programs\r\n\r\nTotal Merchant Services pioneered the Free Terminal Placement program, and the company is known for its large upfront bonuses and generous residuals for sales partners. Recently, the company announced the Total Choice Program, a first of its kind, which enables sales partners to optimize their compensation on each and every deal. Now Total is making it even more lucrative for partners to sell merchant services via its new bonus program.\r\n\r\n#h2Earn $100,000 Bonus in 90 Days\r\n\r\nRecently, Total unveiled a progressive bonus program for its sales partners. In addition to the regular placement bonus per merchant from the Total Choice residual program, the progressive bonus offers partners an additional bonus for each merchant activation. The bonus amount increases with the number of activations, enabling sales partners to earn up to $100,000 in 90 days. With Free Terminal placement, industry leading residual plans, and the progressive bonus program, Total is offering an unprecedented compensation opportunity for sales partners. \r\n\r\n#h2Choose Your Compensation with Total Choice\r\n\r\nIn addition to the progressive bonus program, Total offers sales partners Total Choice, a premier compensation program that provides sales partners flexibility in their compensation plans. With Total Choice, sales partners not only have the freedom to customize their own compensation packages; they also can customize the residual split on every deal they write. This level of granularity, never before seen in the payments industry, gives Total''s sales partners unprecedented freedom to optimize their income, one merchant at a time.  \r\n\r\n"With our Total Choice and $100,000 bonus programs, sales partners have added incentive to contact merchants about upgrading their payment processing solutions," said Allan Lacoste, Total''s Director of ISO. "Further, we provide our partners training and marketing support to help them meet their goals and dramatically grow their revenue."\r\n\r\n#h2Your merchant, your choice \r\n\r\nSome examples of Total Merchant Services compensation plans include:\r\n\r\n<ul>\r\n<li>Free Ingenico NFC/EMV terminal with 50 to 65 percent residual commissions and $200/8 times upfront bonus</li>\r\n<li>60 Percent Split, with $100 upfront bonus payment and free terminal placement</li>\r\n<li>60 Percent Split, with $200/8 times upfront bonus payment with sales partners responsible for the terminal cost</li>\r\n<li>Purchase the terminal, sell or lease to the merchant and qualify for a new 70 percent split</li>\r\n</ul>\r\n\r\n#h2Sales Support for Today''s Market\r\n\r\nTotal Merchant Services has also updated and enhanced its sales support services to help sales partners stay current with evolving payment technologies. Total''s robust partner portal provides detailed sales reporting, and "mirrored" websites are provided to help individual sales partners acquire new accounts. Experienced account specialists bring a concierge level of support to sales partners. \r\n\r\n#h2New Training Program - Become an Expert Bankcard Rep\r\n\r\nTotal Merchant Services recently introduced an enhanced training program to help new and existing sales partners "become expert bankcard representatives in 30 days." The free program provides information on the industry, details concerns regarding reporting and security, and reviews best practices to help sales partners communicate with merchants and deliver the right solutions. The program also delivers training on Total''s marketing programs for merchants and its extended family of payment technologies - including a soon-to-be-released POS system.   \r\n\r\n#h2A Great Time to Sell Merchant Services\r\n\r\nThe October 1, 2015 deadline for Europay, MasterCard and Visa (EMV) compliance has come and gone, yet many U.S. merchants have not yet upgraded to EMV terminals. Many are losing sales due to their inability to accept Near Field Communication (NFC) payments such as Apple Pay and Android Pay. Most merchants know they need to act, but they are hesitant to adopt new, user-friendly and secure technologies without guidance. \r\n\r\nWith its new training program, Total Merchant Services is arming its sales partners with the knowledge to help merchants make the transition, while its generous compensation programs provide sales partners the motivation to make the effort. This is a great time to be selling to merchants, and Total Merchant Services provides the compensation, equipment, training and support sales partners need to succeed. \r\n\r\nTo become a Total Merchant Services sales partner and/or learn more about its compensation programs and solutions, call (877) 498-2809 or visit <a href=''http://www.totalpartnership.com/'' target=''_blank''>http://www.totalpartnership.com/</a>.\r\n', 3, 1456175577, 3, 1461606459, 0);
INSERT INTO `spotlight_featured_content` (`id`, `spotlight_id`, `headline`, `body`, `create_id`, `create_date`, `update_id`, `update_date`, `disable`) VALUES
(54, 27, 'Enhancing the restaurant experience', '#image_3 The point-of-sale (POS) market has been rapidly advancing over the past decade. As devices, software and payment acceptance methods continue to evolve, merchant service companies have been rising to the challenge of offering retailers, restaurant owners and other POS-driven businesses what they need to meet evolving customer expectations.\r\n\r\nOne area where POS advancement has been making great strides is in the restaurant industry. The days of patrons waiting in line to pay a tab or waiving down a server to make an order are quickly going away as innovative POS solutions are introduced and adopted by the market.\r\n\r\n“UP Solution has always been focused on ensuring our restaurant clients are equipped with the POS solutions they need to meet today’s and tomorrow’s POS demands,â€ stated Sean Chung, UP Solutions Assistant Director of Relationship Management and Marketing. “We concentrate on building POS technologies that will enhance the restaurant experience for both the patron and the restaurant operator to ensure each establishment has the tools to flourish.â€\r\n\r\nUP Solution’s restaurant line offers feature-rich restaurant solutions that provide restaurant owner/operators with one-touch access to tools that help them automate operations, streamline communications, track inventory, schedule the workforce, and analyze inbound business.\r\n\r\nLike other restaurant POS products, UP Restaurant® and UP TAB™ Restaurant offer a standard set of features for both stand-alone and tablet-based restaurant service models. However, UP Solution’s products were designed for the restaurant operator that is seeking to reach beyond this basic functionality to expand on the customer experience and enhance the restaurant/patron relationship. Consequently, the UP Restaurant® and UP TAB™ Restaurant POS products have been equipped with a host of experience-rich features:\r\n\r\n#h2 Reservations\r\n\r\nWith reservation and traffic reports built into UP Solution® Cloud Services, restaurant operators gain valuable insights needed to effectively plan and schedule for peak times.\r\n\r\n#h2 Table/Floor Plans \r\n\r\nEstablishments are able to utilize digital table/floor plans which give a real-time snapshot of all stations and vacant tables.  This feature is utilized to reduce wait times and keep seating swift.\r\n\r\n#h2 Pre-Authorization\r\n\r\nRestaurants are able to use the pre-authorization feature for patrons to open/close bar tabs, speed up check-outs and reduce the incidence of lost or misplaced cards. In addition, the pre-authorization feature helps establishments with securing reservations to guarantee seating and reduce the incidence of no-show diners.\r\n\r\n#h2 Personalization and Promotions\r\n\r\nRestaurant establishments are provided with detailed reports on customer frequency, meals ordered and personal event dates, and they also have the ability to send e-coupons and promotions tailored to each customer profile. They also have access to integrated loyalty programs such as FlexGift® loyalty and reward program, which helps reward patrons and increase return visits.\r\n\r\n#h2 Inventory Management\r\n\r\nOperators can track favorite dishes and the most popular menu items to assure ample ingredients and supplies are always on hand.\r\n\r\n#h2 Diverse Ordering/Payment Options\r\n\r\nPatrons are able to order when they are ready and also add items throughout the meal without waiting for a server. Epipay™ online ordering also gives patrons an easy way to cut down wait times and it increases order accuracy. This feature also fosters new business from prospective patrons that are checking the restaurant out online. Pay-at-the-table options also provide customers with a more convenient and secure check-out experience.\r\n\r\nThe UP Restaurant® (Windows® based) and UP TAB™ Restaurant (Android™ based) solutions have a customizable, intuitive user interface to maximize the productivity of staff and increase operational revenues.  Both products are supported by a robust back office that houses business analytics to streamline employee, vendor and inventory management to help boost profits and control losses. These features give an owner/operator the ability to connect anywhere they have an internet connection to easily manage one or multiple locations.\r\n\r\nIf you are interested in learning more about these flexible and affordable UP Solutions restaurant POS options and how you can get set-up to offer these experience-enhanced products to your restaurant customers, please visit <a href="http://upsolution.com/Partner_Benefits">http://upsolution.com/Partner_Benefits</a>, or contact us directly at (855) 835-7919 /<a href="mailto:sales@upsolution.com"> sales@upsolution.com</a>\r\n', 46611, 1456241389, 3, 1456766270, 0),
(55, 35, 'New and improved iOS app for POS', '#image_3 Much like the vintage terminal and register-based point-of-sale (POS) applications of the past, today’s tablet-based payment technologies are progressing along with a highly dynamic marketplace. It is a time when developers must pay close attention to what is occurring at the counter to anticipate and deliver merchants with the most competitive, progressive-edge POS solutions possible.\r\n\r\nUSAePay is known for developing a wide range of cutting edge POS technologies for channel resellers to offer customers. One of its most widely used systems is the USAePay POS Payment System. The product functions as an iOS app and can be used on any Apple iOS device for a complete POS checkout solution. The company recently launched version 2.0.4 of the product to the Apple iTunes Store in January.\r\n\r\n"This newest addition to our iOS mobile solutions not only looks great on all of the latest Apple iOS devices, but also takes advantage of all the new technology," said USAePay CEO Ben Goretsky. "The speed and functionality of the new app is phenomenal, especially with the support for Apple Pay and eventually EMV. We are very excited to have it available to all of our merchants today.â€\r\n\r\n#h2 Feature-rich interface\r\n\r\nThe newest version of the USAePay POS Payment System includes new features and improvements that include an itemized ordering process, along with tools for managing products, customers and sales transactions.\r\n\r\nThe application enables a merchant to transform any Apple iOS device into a complete POS checkout system that offers everything needed to process sales and manage customer activity. Features include diverse payment options, security attributes, a customer database, as well as ordering and inventory management tools. It also allows merchants to manage transactions, orders, customers and inventory through the USAePay online web console, in addition to an iPhone or iPad.\r\n\r\nAdditional features include support for add-on hardware such as multiple card readers, barcode scanners, receipt printers, cash drawers, EMV (Europay, MasterCard, Visa) card readers and contactless payment acceptance (such as Apple Pay and Android Pay). The application also supports quick sales, line-itemized orders, gift card payments, quick-click refunds and advanced transaction history reporting and filtering.\r\n\r\n#h2 Offer the latest in iOS\r\n\r\nIf you are a reseller looking for a feature-rich iOS application in the payments marketplace to add to your offerings, USAePay invites you to contact us at 866.USA.EPAY (872-3729). A representative will be happy to walk you through the features and functionality of the USAePay POS Payment System for iOS, along with our entire portfolio of channel friendly payment technologies. For more information, you can also visit us at: <a href="http://www.usaepay.com">http://usaepay.com</a>.\r\n', 46611, 1456278943, 3, 1456766071, 0),
(56, 26, 'OptBlue taps new revenue streams', '#image_1 Since its debut in May 2014, American Express Co.''s OptBlue program has streamlined credit card payment and acceptance in the United States, gaining popularity with merchants, consumers and acquirers. The program provides small business establishments with an efficient, economical way to accept American Express® Cards \r\n\r\n"OptBlue is part of American Express'' ongoing commitment to enhance the U.S. small merchant experience and is an evolution of our acquiring business," said Ed Jay, Executive Vice President, Merchant Services - Americas, American Express. "The program will help deliver a smart and easy solution for U.S. small merchants to enjoy the benefits of American Express® Card acceptance while making it convenient for consumers to Shop Small® year round."\r\n\r\nWith OptBlue, American Express payments are as speedy as all other payment card brands. OptBlue provides consumers with more payment options: \r\n\r\n<ul>\r\n<li>Acquirers have the freedom to set their own Card acceptance pricing and fully support merchant customers.</li>\r\n<li>Participating merchants have a single, consolidated statement for all cards and one customer service contact.</li>\r\n</ul>\r\n \r\n#h2Improve residual income\r\n\r\nOptBlue gives merchant level salespeople (MLSs) access to a wider pool of eligible merchants than formerly provided by acquisition programs such as ESA and OnePoint. Merchants processing $1 million or less in American Express annual charge volume can enroll in OptBlue, according to program guidelines. Having access to a greater number of prospective merchant customers can help agents acquire more customers and boost residual income streams. \r\n\r\nAmerican Express Card acceptance has traditionally delivered more revenue per purchase transaction compared to other general purpose credit cards. Simply put, American Express Card Members spend more, which in turn creates more revenue across the entire payments value chain. Additionally, American Express is committed to driving spend at participating OptBlue merchant locations through innovative marketing programs designed to delight merchants and cardholders and improve agents'' residual revenue. \r\n\r\n#h2Boost customer acquisition, retention\r\n\r\nOptBlue acquirers provide merchants with a seamless, all-in-one processing solution, with one processing contact, one merchant statement and one deposit to settle all payment card brands. The convenience of having a single access view for all credit card activity can help merchants maximize cash flow and improve back-end processes, accounting and reconciliation activities. \r\n\r\nThe ability for processors and acquirers to set the price for American Express Card acceptance can improve opportunities for merchants to find rates that are right for their businesses.  \r\n\r\nFollowing are ways that American Express resources and programs help merchants:\r\n\r\n<ul>\r\n<li>Improve profitability by attracting high-spending customers </li>\r\n<li>Derive access to working capital through merchant financing programs</li>\r\n<li>Attract and retain customers with free advertising, point-of-purchase display ads, marketing programs like Shop Small®, and being featured on the Shop Small® map</li>\r\n<li>Stay competitive by using the knowledge center to track industry trends in ever-changing retail and hospitality markets</li>\r\n</ul>\r\n\r\n#h2Identify challenges\r\n\r\nAs with any marketing initiative, key learnings from early implementation can help American Express and partnering organizations identify challenges and work together to further refine OptBlue. Valuable feedback from participating agents has led to a deeper understanding of how to help merchants derive the full benefits of OptBlue and American Express Card acceptance. \r\n\r\nDespite the benefits and value proposition of American Express Card acceptance, some perceived obstacles may get in the way of merchants actively accepting and welcoming American Express Card Members. Reports from the field have helped refine the program, as agents and merchants share insights and experiences from OptBlue''s early adoption phase. \r\n\r\n#h2<i>What gets in the way of merchant acceptance?</i>\r\n\r\nMerchants may not fully understand or appreciate the differences between OptBlue and other American Express Card acceptance programs. Some may expect to be quoted traditionally higher rates based on industry, annual charge volume and average ticket. Others may not be aware of how seamlessly OptBlue blends American Express with other major card brands in a single merchant statement. \r\n\r\nFollowing are most commonly reported issues at merchant locations:\r\n\r\n<ul>\r\n<li>Merchants don''t understand that the OptBlue Program addresses most of their objections to American Express Card acceptance (i.e. pricing, settlements, etc.) </li>\r\n<li>Merchants aren''t aware that they can accept American Express </li>\r\n<li>POP is not displayed </li>\r\n<li>Terminals are not enabled </li>\r\n</ul>\r\n\r\n#h2<i>What gets in the way of agent effectiveness?</i>\r\n\r\nAgents who have explained OptBlue upfront during the merchant application process have reported higher acceptance rates. Others, who had admittedly rushed through merchant signing without fully explaining OptBlue benefits, reported lower American Express conversion rates.   \r\n\r\nHere is some additional feedback on less effective approaches to new merchant acquisitions: \r\n\r\n<ul>\r\n<li><span class=''listHighlight''>Check-listing:</span> Some agents tried to bundle American Express Card Acceptance into a merchant services package, offering little explanation or discussion. If the merchant objected, a typical response might be to say, "it doesn''t cost you anything, but you have it if someone wants to use it" or "taking AmEx is cheaper than taking some corporate Visa or premium cards."</li>\r\n<li><span class=''listHighlight''>Avoidance:</span>  Some agents may routinely ask merchants if they accept American Express. When the response is "no", they will move on rather than take additional time to figure out why the merchant doesn''t accept and address their objections to sell acceptance. </li>\r\n<li><span class=''listHighlight''>Auto-Including:</span>  Some agents "automatically" include American Express in merchant applications, without ensuring that the merchant knows or wants to accept American Express. </li>\r\n</ul> \r\n\r\n#h2Overcome challenges\r\n\r\nMerchants frequently have preconceptions about American Express Card acceptance. Presenting the OptBlue program requires an up-front explanation of what has changed, particularly with regard to the new pricing structure and simplified, all-in-one solution. Here is a summary of best practices that can help remove barriers, enlighten merchants and maximize agent effectiveness: \r\n\r\nExplain what''s changed about American Express Card Acceptance by pointing out the benefits of OptBlue:\r\n<ul>\r\n<li><span class=''listHighlight''>New Pricing Structure</span> - Clarify merchant pricing under OptBlue to ensure complete understanding. Offering to review and analyze a merchant''s statement can be a powerful consultative tool for MLSs, helping them provide concrete comparisons between new and incumbent payment processing systems. Incorporating OptBlue into a comparative analysis can also demonstrate the program''s value, ease of use and return on investment. </li>\r\n<li><span class=''listHighlight''>Simplified, All-In-One Solution</span> - Explain that American Express can now be processed like other card brands with one statement, one deposit, and one customer service contact.</li>\r\n</ul>\r\n\r\nEnsure that the merchant is aware that they are set-up to accept American Express Cards:\r\n<ul>\r\n<li><span class=''listHighlight''>Confirm American Express Card Acceptance</span> - When speaking with a new merchant prospect, be sure to bring up American Express separately and make sure they agree to accept the Card.</li>\r\n<li><span class=''listHighlight''>Follow up and Follow Through</span> - For existing merchants that are enabled on American Express, be sure to follow-up with them via phone or email to explain that they can start accepting American Express Cards and what that means for them.</li>\r\n</ul>\r\n\r\nProvide American Express Signage to your merchants and have them add it to their door, register, and website to welcome new potential customers. You and your merchants can order signage directly from American Express at <a href=''http://americanexpress.com/fulfillment'' target=''_blank''>americanexpress.com/fulfillment</a>.  \r\n\r\nTest out the merchant''s terminal to ensure that everything is working properly and that they have no issues processing American Express Cards.  \r\n\r\n#h2Maximize revenue potential \r\n\r\nAmerican Express is committed to the success of MLSs and offers an array of resources and tools designed to maximize sales effectiveness and earnings potential. Participating agents can leverage the following available products and services:\r\n\r\n<ul>\r\n<li><span class=''listHighlight''>Virtual Playbook:</span> This playbook provides all the need-to-know basics, including messaging principles, solution overview, ideal merchant profile, trends and insights, buyer challenges and insights, how to conduct an executive conversation and how to leverage your story.</li>\r\n<li><span class=''listHighlight''>OptBlue Sales Certification Training:</span> This 50-minute e-learning course has 4 modules. It includes videos, knowledge checks, and key takeaways to help agents and ISOs demonstrate the value that American Express Card acceptance can bring to their merchants. Training includes tips on how to position the value of American Express to small merchants, with a section on how to manage frequently asked questions and objections. Approved for one (1) ETA CPP Continuing Education credit.</li>\r\n<li><span class=''listHighlight''>OptBlue Job Aids:</span> A set of Quick Reference Guides, Point of Purchase displays, signage, and marketing collateral is specifically designed to help small merchants attract American Express Card Members and meet Payment Card Industry signage requirements.</li> \r\n</ul>\r\n \r\n#h2American Express 2.0\r\n\r\nAmerican Express thanks MLSs, ISOs, acquirers and payments industry stakeholders who have helped make OptBlue an unprecedented success. We value your energy, creativity and commitment and look forward to our continuing collaboration. Together, we can take the program to even greater heights, helping small merchant customers across the United States realize the benefits and profits of American Express Card acceptance. \r\n', 3, 1457376594, 3, 1457377541, 0),
(57, 20, 'Emergence of the nonprofit customer', '#image_11 Today, most business verticals utilize some form of electronic payment services to transact business. In fact, the advent of online and mobile payment options served to open doors for several industries that had rarely taken in card-based payments before. Organizations that had historically operated on cash and check payments made huge strides forward toward accepting more card-based business with contemporary payment options. Nonprofits, trade associations and charities were part of this emerging group.\r\n\r\nWhereas churches, charity groups and member-based nonprofit programs were extremely slow to adopt over-the-counter point-of-sale (POS) solutions, <a href="http://www.sage.com/us/sage-payment-solutions/sage-virtual-terminal">virtual terminal technology</a> did help many of them bridge over to acceptance of card-based contributions and membership fees. When online and mobile options hit the marketplace, these organizations made another big leap. \r\n\r\nThe collection of dues, contributions and fundraising donations has now evolved so far it has essentially replaced the age-old nonprofit practice of using direct mail and leave behind contribution envelopes. Furthermore, attractive nonprofit pricing programs and the ease of self-service, anytime, anywhere payments have also led the nonprofit industry to be some of the most prolific payment processing customers. \r\n\r\n#h2 A new age of nonprofit possibility\r\n\r\nAs nonprofit opportunities continue to emerge, so do innovations within the payments industry. A surge of creative nonprofit payment solutions have been introduced and the nonprofit world now embraces elaborate web-based donor portals, social media fundraising campaigns and real-time mobile card swiping.\r\n\r\nSage was one of the first providers to focus attention on the nonprofit industry. In this spirit, the company developed and released a full suite of targeted merchant services tools that gave charities and 501c3 organizations an efficient way to increase contributions, promote membership and add value to the member/trade association partnership.\r\n\r\nThe <a href="http://www.sage.com/us/sage-payment-solutions/sage-mobile-payments">Sage Mobile Payments</a>  solution for nonprofits enables organizations to accept donations anytime and from anywhere using a secure and convenient mobile device for smartphones and tablets. This solution was most recently lauded by the <a href="http://www.sage.com/us/Sage-Advice/Articles/18369/2016/3/2/What-the-Girl-Scouts-increasing-cookie-sales-can-teach-you-about-business">Girl Scouts</a>  when nearly 30 Girl Scout councils and more than 3,800 troops across the U.S. used the technology to sell a record number of cookies.\r\n\r\n“Many people don’t carry cash or checks, so accepting credit cards with Sage Mobile Payments allows our Girl Scouts to sell cookies to a lot more people,â€ said Alisha Moore, chief customer experience officer with <a href="http://www.gsle.org/?utm_source=socialmedia&utm_medium=press_release&utm_term=girlscouts&utm_content=press_release&utm_campaign=corporate2016">Girl Scouts Louisiana East in New Orleans</a>. “Cookie sales for the troops in our council using Sage Mobile Payments increased by 13 percent, and the per-girl-average in those troops increased from 156 boxes to 177 boxes. Just as important, using Sage Mobile Payments exposes the girls to a growing technology and helps them learn about different sales tactics and multiple payments types.â€\r\n\r\nThe free Sage <a href="http://www.sage.com/us/sage-payment-solutions/sage-nonprofit-payments">“donate nowâ€</a>  virtual terminal gateway also provides nonprofits with a seamless and secure way to accept contributions. It allows nonprofit organizations to accept payments from anywhere including bookstores, auctions, fundraising events, or wherever their customers and supporters may be.\r\n\r\nLikewise, the Sage Association Partner Program provides an enriching way to strengthen relationships between trade associations and their membership base. Through the program, Sage partners with the association to offer members access to compliant, secure and streamlined payment solutions as part of the member services package. Every member receives the benefits of the Sage promise, which includes easy on boarding, world class payment solutions and an extraordinary customer experience. All of which add value to the relationship.\r\n\r\n#h2 Making a difference\r\n\r\nWhile the <a href="http://www.sage.com/us/sage-payment-solutions/sage-nonprofit-payments">Sage nonprofit solutions</a>  provide best in class payment options for charity organizations and associations of all types and sizes, Sage also takes pride in being an active supporter of worldwide causes and organizational missions. “Just as Sage invests in making a difference through the Sage Foundation, Sage is active in supporting our local communities and organizations, like the Girl Scouts,â€ said Paul Bridgewater, CEO of Sage Payment Solutions, the payments division for Sage North America. \r\n\r\nSage offers a comprehensive introduction to their nonprofit product suite for all prospective sales partners that are interested in learning more. If you would like to know more about how the Sage Mobile Payments or Sage Association Partner Program work, please contact a Sage representative directly at 1-800-652-2370 or visit us at: <a href="http://www.sagepayments.com">www.sagepayments.com</a>\r\n', 46611, 1458653522, 46611, 1458739344, 0),
(58, 27, 'Turning the tables on restaurant take-out orders', '#image_4 The practice of ordering take-out food has been alive and well for many decades. The call is made - and presto - made-to-order meals are ready for pick-up within 20-30 minutes. Some restaurants took the idea another step further by implementing a delivery system where menu items could be efficiently packaged for delivery to a patron’s doorstep. This innovation made take-out pizza infamous and created a convenient method for people in the neighborhood to feed small or large groups during parties, family movie nights and impromptu gatherings.\r\n\r\nIn the late 1990’s, after the Internet had gradually become a household commodity, restaurants began exploring ways to go digital with take-out ordering. In fact, some of the first eCommerce sites were hosted by quick serve restaurants, and – you guessed it – take-out pizza merchants.\r\n\r\nToday, online food orders are about to overtake phone orders in the U.S. In May 2010, approximately 1.39 billion phone delivery orders were placed in the states.  By May 2015, that number dropped to about 1.02 billion. In the same period, online orders more than doubled from approximately 403 million to nearly 904 million. Now, another year later, it is likely these two trends have converged and may be already heading in opposite directions.\r\n\r\nMoreover, many customers in our contemporary world order food online using mobile devices. In fact, about 69% of all online order customers today make food orders using a smartphone or tablet device. And, studies also indicate that customers who place orders online will also visit the restaurant 67% more frequently than those who don’t order online. These trends alone make the decision to offer online ordering a fairly easy one for most restaurants operators.\r\n\r\n“As online ordering emerged into the restaurant industry, UP Solution saw the opportunity to integrate an online ordering platform with our popular restaurant POS software,â€ said Jay Yoon, UP Solution CEO and President. “In answer, UP Solution developed epipay™, a robust online ordering platform that has been designed to meet both the consumer’s and restaurateur’s needs as online ordering turns into the most preferred consumer method for making pick-up and delivery orders.â€\r\n\r\n#h2 More than just an ordering platform\r\n\r\nThe epipay™ online food ordering solution helps restaurant owners develop an online presence that will foster brand recognition while also giving them robust tools to engage in digital marketing and social media campaigns to attract new customers and retain current ones.\r\n\r\nThe system offers an intuitive back office that makes set-up and operation quick and easy. Integration with the UP Restaurant® and UP TAB™ Restaurant POS solutions is very easy to accomplish and ensures data on customers and their ordering habits is electronically merged with POS transaction data to ensure accounting and reporting are as efficient as possible. epipay™ can be also be utilized as a standalone solution for restaurants that do not have a POS.\r\n\r\nThe epipay™ product features a mobile optimized design, built in search engine optimization, web analytics, integration with the UP Restaurant® and UP TAB™ Restaurant POS systems, and connection to the UP Solution® Cloud Services interface. Altogether, maximizing productivity and revenue, providing  business analytics and streamlining employee, vendor and inventory management.\r\n\r\nThe technology equips all restaurant owner/operator users with:<ul>\r\n\r\n<li>Increased online exposure\r\n<li>Fast online ordering for pickup or delivery\r\n<li>Instant order notifications\r\n<li>The ability to accept online payments\r\n<li>An enhanced customer experience\r\n<li>A seamless integration with UP Solution’s advanced POS systems\r\n</ul>\r\n\r\n#h2 Give your restaurant clients the best POS options\r\n\r\nIf your portfolio is full of delivery and pickup restaurant merchants that still have not yet integrated an online ordering platform into their POS process, or they are looking for an all-in-one provider, now is the time to get them onboard with using the epipay™ online ordering system.\r\n\r\nFor more information about UP Solution or offering epipay™ online ordering, UP Restaurant® or UP TAB™ Restaurant POS products, visit <a href="http://upsolution.com/epipay">www.upsolution.com/epipay</a>, or contact us directly at (855) 835-7919 / <a href="mailto:sales@upsolution.com">sales@upsolution.com</a>.\r\n', 46611, 1459951881, 3, 1460406864, 0),
(59, 15, 'Making the Transition to POS', '<a href=''/spotlight.php?spotlightId=15&node=displayVideo&action=55'' target=''_blank''><img src=''/advertisingGateway/spotlight/imageDir_15/image_2.jpg'' alt=''Echo POS'' class=''featuredContentImage'' /></a> <span class=''dropCap''>A</span>s the payments and POS industries converge, it is becoming increasingly difficult for ISOs to remain competitive without offering a POS solution. POS systems are now more accessible than ever and merchants are better informed about the benefits that they provide. By adding a POS solution to your offerings, you can gain access to the higher volume, higher margin accounts that require a POS system for their business. Harbortouch’s groundbreaking free POS program gives our sales partners the ultimate selling tool, with no up-front costs and a low monthly fee starting at $39/month.\r\n\r\nPOS providers control the merchant''s processing options, so every time someone sells a POS system to a merchant that is one less potential customer for you to sell. POS systems “lock upâ€ the merchant processing. By becoming the POS provider, you can benefit from this same control over the merchant’s processing, resulting in virtually non-existent attrition. POS delivers a path towards a more stable and profitable bankcard portfolio.\r\n\r\n\r\n#h2The Benefits of POS\r\n<ul>\r\n<li><b>Lower Attrition</b> - A POS system is integral to a merchant''s daily operations. Unlike a credit card terminal, which merely handles the credit and debit transactions, a POS system serves a multitude of functions for the merchant. POS systems handle not only the transaction process but also manage the time clock and payroll, track inventory, and provide detailed sales reporting, among other things. Due to the central role that a POS system plays for a business, it would require significant operational changes to switch to another payment solution. For these reasons, our statistics show that attrition is over 66% less for merchants with a POS system than those with a standalone credit card terminal. This allows you to build a more stable portfolio instead of constantly worrying about retention and replacing accounts that have been lost. \r\n\r\n<li><b>More Profitable Accounts</b> – Most restaurants and retail stores require the advanced features, efficiency gains and reporting capabilities provided by POS systems. By offering POS solutions, you can obtain the high volume accounts that you are not able to obtain while pitching a standard credit card terminal.\r\n\r\n<li><b>Higher Margins</b> - With POS, you are no longer relying on a “rates and feesâ€ sales pitch. POS systems provide countless time and money saving features for merchants, so you can take the focus away from processing fees and shift the conversation towards the ways you can assist in improving the merchant’s business. This enables you to seal the deal without decreasing margins.\r\n\r\n<li><b>Upfront Bonuses</b> - Obtain lucrative upfront bonuses as high as $550 for each POS system that you place free of charge.\r\n\r\n<li><b>Market Differentiation</b> - Why would a merchant choose a standalone credit card terminal when they can receive a full-featured touch-screen POS system for free? The ability to offer a free POS system sets you apart from the other bank card sales reps. Instead of selling simply on rates and offering a low value “me-tooâ€ terminal, you can provide a valuable POS solution that actually benefits the merchant’s business to a much higher degree. With this powerful sales tool, you will be able to get in front of more business owners and close more deals.\r\n\r\n<li><b>Future-Proof Accounts</b> - By offering full-featured POS systems, you take control of the merchant’s entire business process and become an integration point for future technology. As new payment types and technologies emerge, you will be the one to implement these solutions for your merchants.\r\n</ul>\r\n\r\n#h2The Harbortouch POS Training Center\r\n\r\nThe thought of learning how to sell POS systems can seem daunting, but Harbortouch provides comprehensive training and support to help you every step of the way. In fact, our training program can turn you into a POS expert in no time. Harbortouch’s training department offers a wide range of training courses both online and in-person, all of which are offered completely free of charge!\r\n\r\n<b>POS 101</b><br />\r\nThis web-based course is the first step in our training program, laying the foundation for you to begin successfully selling POS. It covers all the fundamentals of POS, providing an overview on everything from hardware and software to features and reporting. It also explains the benefits of a POS system and discusses sales techniques that will help you convey these benefits to potential merchants. With over 300 slides of information, this online course provides the basic knowledge you need to succeed with POS system sales.\r\n\r\n<b>Training Webinars</b><br />\r\nOnce you have completed POS 101 and have begun selling POS systems, you will want to expand your knowledge to help close more deals. Our training department hosts regularly scheduled training webinars to increase your POS knowledge and keep you up-to-date on important industry trends. These webinars offer an effective way to continue your POS education in order to grow your expertise.\r\n\r\n<b>Certified Harbortouch Reseller(CHR) Program</b><br />\r\nOnce you’re ready to take your POS sales to the next level, you can visit our 9,000 sq. ft. training center to participate in our Certified Harbortouch Reseller (CHR) program. The CHR program has two levels: Bronze and Silver. The Bronze certification is a four-day course which covers our three POS software types: Hospitality, Retail and QSR & Delivery. This course provides a strong understanding of each software type, as well as the benefits that POS systems offer to merchants. The Bronze course will have you performing your own merchant demonstrations like a pro. The Silver level certification is for sales partners who wish to gain an even deeper knowledge of POS and become certified to program and install their own systems. This course prepares you to compete with POS vendors who have been doing this for the past 20 years.\r\n\r\n\r\n#h2A Full Merchant Services Provider\r\n\r\nIn addition to the industry’s best POS system program, Harbortouch also offers a full range of merchant services solutions. This includes our free terminal program which features the best-in-class VX 520/VX 805 EMV/NFC terminal solution from Verifone, as well as the first free electronic cash register program. Our free terminal offering includes both a merchant-facing VX 520 terminal and customer-facing VX 805 NFC/EMV PIN pad, delivering a much more practical and ergonomic setup than the standalone EMV terminals that many competitors are offering. Also available as an all-in-one unit for merchants who prefer not to use the PIN pad, this terminal offering is the best EMV/NFC solution available.\r\n\r\n\r\n#h2Industry Best Schedule A\r\n\r\nOur new and improved Schedule A is the most profitable in the industry, whether you are selling terminals or POS systems. Highlights include a $5,000 signing bonus, residual splits up to 75%, 10X free terminal bonuses with $300 up-front, and monthly production bonuses. We also now offer custom deals and financing to create a mutually successful and profitable partnership. This includes custom deals on a sales partner level or for specific merchants, financing and growth capital to jumpstart your sales office, portfolio buyouts on both Harbortouch and other processor portfolios, and registered ISO/MSP programs with private label opportunities. We are getting more aggressive than ever to earn your business!\r\n\r\nTo start building a more stable, more profitable bankcard portfolio, visit <a href=''http://www.isoprogram.com'' target=''_blank''>www.isoprogram.com</a> or email <a href=''mailto:ISO@harbortouch.com''>ISO@harbortouch.com</a> today!\r\n', 3, 1460660959, 3, 1465500923, 0),
(60, 35, 'Great to see you at ETA!', '#image_4 In a show of ongoing commitment to our existing and future partners, and taking advantage of the annual opportunity to pay tribute to our ‘reseller friendly’ core value, USAePay was once again present at the annual ETA Transact event.\r\n\r\nSeveral USAePay leaders and staff were fortunate to attend Transact16 this year, and as we traveled through what proved to be another excellent line-up of educational sessions - covering everything from security to the latest trends in mobile and global payments - we were able to spend quality time with our valued partners. Of course, several of you also visited our showroom exhibit, where we had the chance to walk visitors through our latest gateway technology advancements, and also meet many new up-and-coming industry professionals. Thanks to all who stopped by to learn more about our products and services.\r\n\r\n#h2 Custom payment technologies\r\n\r\nAs a dedicated provider of innovative technologies specially tailored for the payments industry, USAePay will always be committed to participating in events and other industry sponsored opportunities to honor our existing client-base and build an even greater bond. This is the philosophy that helped our company grow into the well-respected, worldwide gateway service provider it is today, and we plan to continuously honor it well into the future.\r\n\r\n“We are grateful for every one of our partners. They are the primary reason we routinely participate in industry trade events such as the annual ETA Transact conference,â€ said Ben Goretsky, USAePay CEO and Founder. “We always look forward to this event every year, because it gives us a very unique opportunity to spend time with our reseller friends, and opens up opportunities to establish new relationships.â€\r\n\r\n#h2 All in the family\r\n\r\nBrothers Ben and Alex Goretsky have offered the payments industry and its sales organizations a leading payment gateway product for over 15 years. USAePay’s stable and secure technologies and the company’s collegial approach to doing business with its partners, have earned USAePay an acclaimed reputation and a brand identity that is par-none to other gateway service providers.\r\n\r\nUSAePay’s payment gateway supports all major platforms in the credit card industry and works with most of the leading check platforms. The company also works closely with many large merchant service banks across the U.S. and abroad. USAePay has established a large global reseller network and we work hard to ensure our presence within the industry remains strong and supportive.\r\n\r\nIf you didn’t get a chance to see us this week at ETA, we’re genuinely sorry we missed you! However, there are and will always be other opportunities to connect, and we want to assure you we will be available anytime to discuss your business needs. \r\n\r\nIf you’d like a comprehensive demo of the USAePay offerings, or you’d just like to spend a few minutes catching up, please reach out to us at 1-866-USAePay. We look forward to hearing from you and seeing you later this year at the other industry events.\r\n', 46611, 1461887400, 3, 1463496863, 0),
(61, 43, 'Power in numbers: a new way for ISO''s to scale', 'There''s a lot to consider when selling a portfolio or residual stream. Many ISOs would say, "I''ve worked hard to build this book of business; I want to continue to grow, and I don''t know if I should borrow against my portfolio or sell it for less than I think its worth." Additionally, selling an entire portfolio may result in starting over from scratch, with no recurring revenue, high overhead and even higher burn rates.\r\n\r\nDarrin Ginsberg, Chief Executive Officer at Super G Funding, and Sabin Burrell, CEO of BlueSquare Resolutions, have helped large and small clients navigate these difficult decisions and find creative ways to grow their businesses. Among their many approaches to financing, flexible debt and equity options enable Super G Funding & BlueSquare to structure deals that are extremely customized for business owners. \r\n\r\n"After years of organically building several ISO''s and both purchasing and selling ISO''s and Portfolios, I wanted to tailor solutions for ISO''s that enabled them to continue to own their book of business and yet give them some liquidity or growth capital for the business," Ginsberg said. "As part of our business, we work with our clients and partners from initial funding through execution to ensure the best outcomes for their businesses." \r\n\r\n#h2Modeling partnership \r\n\r\nThroughout his twenty-three years in the payments industry, Ginsberg actively promoted best practices in the ISO and funding communities, mentoring business owners, ISO''s and merchant level salespeople (MLSs) along the way. Through these efforts, he met Sabin Burrell, CEO of BlueSquare Resolutions, one of the most active portfolio residual buyers in the marketplace. \r\n\r\n"Sabin and I met, became friends, shared a few secrets of the bankcard business, and eventually did a few deals together," said Ginsberg. "After becoming familiar with each other''s business styles, we have joined forces to offer a full suite of services related to financing ISO''s and processing services."\r\n\r\nBlueSquare Resolutions, one of First Data''s largest ISOs, aligned with Super G Funding in 2016 and between the two entities have funded over $90 Million to approximately 600 ISOs in amounts ranging from $25,000 to $5 million in addition to purchasing and selling over $100 million dollars of portfolios\r\n \r\nBlue Square and Super G are now breaking the mold of typical portfolio acquisitions, using their combined expertise to create tax-efficient structures for its ISO partners that allow them to continue to grow their businesses while increasing their respective margins.\r\n\r\n"The larger you are, the more diverse your portfolios are," Burrell said. "A liquidity event can help enterprise-scale partners take some chips off the table; and a BlueSquare partnership can help smaller ISOs leverage our pricing and reduce operational expenses."  \r\n\r\n#h2Partner, grow with us\r\n\r\nBoth Burrell and Ginsberg see their program''s open-endedness as a true differentiator. From its onset, the strategic partnership of BlueSquare Resolutions and Super G Funding was designed to support growth and innovation, welcoming new partners and fresh ideas. They attracted Jeff Brodsly, CEO of Chosen Payments, a Los Angeles based First Data ISO. Inspired by their entrepreneurial spirit and vision, Jeff became an early adopter and ultimately a partner, adding his expertise as an ISO originator to the partners'' finance and portfolio acquisition experience. \r\n\r\nBrodsly was the first to partner with Super G Funding and Blue Square Resolutions, but certainly not the last. "Darrin had been a mentor to me for four to five years," he said. "When I saw the opportunity to partner with him and Sabin, and fully understood the potential we have working together, I didn''t hesitate." The partners pooled their talents for the greater good, leveraging their individual expertise and resources. Brodsly still owns 100 percent of Chosen Payments, where he has consistently achieved large year-over-year growth, making First Data''s coveted Presidents Club four years in a row. As a processor for some of the world''s leading retailers, he has established partnerships in select vertical markets and with the ISV community. \r\n\r\n"I recently reached an inflection point in my business, where I realized a majority of my net worth was in one company, Chosen Payments," Brodsly said. "I wanted to take some chips off the table and diversify myself while keeping 100 percent of my company and not impacting my clients." Working with Burrell and Ginsberg to structure the perfect deal for his company made Brodsly want to share his story with other ISOs, noting, "As an ISO, you''re working hard every day building your business, and rarely see the fruits of your labor other than making a comfortable living; so why not diversify your risk and put some money aside for your future or your kids, use some grow capital to improve operations of your ISO and not get stuck on the hamster wheel?"   \r\n\r\nRecent Mercury/Vantiv and Heartland/Global mergers clearly demonstrate that everyone is rolling up, Brodsly said. What happens to the small and medium guys who have to compete with bigger processors? By joining the collective, we can leverage our own economies of scale and help each other grow, he added. \r\n\r\n#h2Become your own multiplier\r\n\r\n"It''s no secret that ISOs can use better pricing, better support, better technology, financing, and/or advisory services," Brodsly said. "I look forward to welcoming other like-minded ISO''s to our team."\r\n\r\nRecognizing the increasingly complex needs of today''s ISO to stay competitive, this strategic partnership can customize liquidity options and growth services for ISOs, including:\r\n\r\n<ul>\r\n<li>Acquisition capital to purchase portfolios or sub-agent residuals\r\n\r\n<li>Marketing capital to purchase terminals or fund marketing campaigns\r\n\r\n<li>Purchase ISO residual streams of any size and on any platform\r\n\r\n<li>Outsourced back office functions to reduce office and personnel overhead\r\n\r\n<li>Allow ISO''s to focus on new sales when our staff handles the rest\r\n\r\n<li>Tax efficient sale strategies\r\n\r\n<li>Determining if a loan or sale is right for you\r\n\r\n<li>Providing short and long term exit plans\r\n\r\n<li>Maximizing the hard work each ISO puts into their career\r\n</ul>\r\n\r\n"It takes more than a quarterback to win a Super Bowl," Brodsly said. "It takes collective talent, expertise and focus to carry the team to a major victory. And that''s exactly what we can offer you, as part of our ISO Super Bowl team. Join our collective, leverage our resources, utilize our technology, get way better pricing, and keep your brand." ', 3, 1461950552, NULL, NULL, 0);
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(62, 1, 'More strength under one roof', '#image_11 As a seasoned sales professional serving the payments industry, you are no doubt keeping your eyes open for a <a href="http://www.northamericanbancard.com">merchant services</a> company to represent that can provide you with the most comprehensive set of in-house products and services to offer your merchant customers.\r\n\r\nWhile any single merchant will most likely never utilize all of the services you can offer them at one time, it is always a comfort when you know you have everything they may require available. Moreover, as the market continues to evolve and payment products also transition in support, knowing you have access to the latest payment technologies, robust security measures, and streamlined processing options is the best scenario possible.\r\n\r\nIn short, the stronger the company you represent is across the board, the longer your customers will stay with you. It’s an age-old formula in the payments industry that is still driving merchant decisions and loyalty today. However, with the rapid evolution of technologies and the breadth of payment offerings now available across the marketplace, the all-in-one merchant services model is getting tougher and tougher to achieve and sustain.\r\n\r\n#h2\r\nLining it up\r\n\r\nAligning with a payments organization that makes it their mission to establish and maintain a full-service platform is always the best step forward. It not only gives you the freedom to anticipate the needs both inbound and current customers are likely to have, but also provides an assurance that you have everything in-house to support your merchant relationships.\r\n\r\n“When you represent a payments provider that offers the full complement of products and services in-house, and they are also committed to developing and introducing progressive payment technologies, it is the best of all worlds,â€ said Ryan Malloy, National Sales Manager at <a href="http://www.northamericanbancard.com">North American Bancard</a>. “That’s when you know you’ve found a long-term career fit.â€\r\n\r\nThe concentration on offering the best service package possible, and ensuring all sales partners have a wide array of platform and product options to consider when boarding a merchant, is one reason North American Bancard has been recognized across the payments industry as a leader. In addition to developing groundbreaking proprietary products such as <a href="http://www.payanywhere.com">PayAnywhere Storefront</a> and <a href="http://www.phoneswipe.com">Phone Swipe</a>, NAB has also lined up a full complement of value added products and a foundational processing environment in-house. All of which is designed to keep their sales force out in front.\r\n\r\nIn this spirit, NAB took steps in late 2014 to further enhance its processing capabilities by bringing payment processing in-house. Through the acquisition of <a href="http://www.epx.com">Electronic Payment Exchange</a> (EPX), and the integration that followed, NAB is now able to offer highly competitive direct credit and debit card rates through Visa, MasterCard and American Express Opt Blue.\r\n\r\n#h2\r\nIngenuity, Security, and Rewards\r\n\r\nFurthermore, merchants boarded on the EPX platform can be placed with a free Ingenico ICT220, Vx520, or Vx680, complete with EMV (Europay, MasterCard and Visa) capabilities and tip-adjust. Offering these terminals with the EMV features ensures all NAB Sales Partners are at the forefront of bringing the merchants into EMV compliance, through implementation of a progressive, scalable and secure POS system.\r\n\r\n“I see EPX as a hidden jewel. Acquiring the technology to bring processing in-house is a significant opportunity for this organization,â€ said Marc Gardner, Founder and CEO of NAB. “Our Sales Partners and their customers no longer have to work through outside third parties and they can enjoy the benefits of a stable, secure, end-to-end relationship.â€\r\n\r\nNAB has also enriched the EPX roll-out with an incentive program that will enable the sales team to earn a bigger up-front bonus on new on boards. This sales program parlays with the company’s plan to board all new clients on its in-house platform, which by default offers a more stable transaction environment and less points of security failure. \r\n\r\n“Now that the EPX platform is available to our sales force to take advantage of, we are not only offering them a chance to earn a bigger up-front bonus, we’re ensuring their customers are in a more secure and better supported position,â€ Gardner continued.\r\n\r\nFor more information about NAB, their EPX processing platform or becoming a Sales Partner with NAB, go to <a href="http://www.gonab.com">www.gonab.com</a> or contact us at 1-877-786-1653.\r\n  \r\n  \r\n', 46611, 1463458953, 3, 1463496825, 0),
(63, 27, 'Some retailers are special', '#image_5 Payment sales professionals know the importance of representing a company with a solid retail POS program. What’s better is a POS program with unique features that enable them to serve the specialized needs of a niche retail sector within the industry.\r\n\r\nFor example, retailers that specialize in providing salon, spa and personal care services have traditionally had highly specialized POS needs when it comes to securing and managing appointments. This area of their service delivery has historically been a manual process for many salons and spas, often handled by the front desk staff. As a result, the incidence of error, lack of efficiency and need for manpower hours have all been high demands for the salon business model and an area of concern for the establishment owner or operations steward. Add in the need for excellent customer service and product inventory ordering/tracking and marketing, and it’s easy to see why a specialized POS system with automated features could benefit the small, retail intensive business owners.\r\n\r\n“Salon and spa owners know the importance of schedule and client management. In fact, under booking can result in the under-utilization of employees and other resources in these establishments, which will ultimately result in a loss of profits for them,â€ said Sean Chung, Assistant Director of Relation Management at UP Solution. \r\n\r\nCustomer accessibility has also proven to be an essential element in client management for these business owners. Having a website that allows access to a salon or spa’s services 24/7 has evolved from a nice-to-have feature to a required service.  A solution with a solid digital footprint is part of the selection criteria most salon and personal care retailers look for when they are selecting a new POS system and provider.\r\n\r\n#h2 A new day!     \r\n\r\nTo face these industry challenges and trends, UP Solution® developed epiday™ for salons and personal care providers. The epiday™ online appointment management solution helps personal care business owners develop an online presence that will help build brand recognition while allowing owners to engage in digital marketing and social media campaigns to manage, market to, and connect with new customers while retaining current clients.\r\n\r\nepiday™ is a powerful solution that is extremely flexible and easy to use.  Its intuitive back office makes set-up and operation quick and easy. Equipment integration is also simple with the UP TAB™ Salon POS solution, which utilizes any of the sleek Android-based terminals. Salon owners love having the beautiful, light weight system on their counter tops.\r\n\r\n#h2 epiday™ includes:\r\n<ul>\r\n<li>Mobile optimized home page/website design\r\n<li>Search engine optimization\r\n<li>Website analytics\r\n<li>Integration with UP TAB Salon POS\r\n<li>UP Solution® Cloud Services interface\r\n</ul>\r\n\r\n#h2 A true business enhancement\r\n\r\nThe best part of the epiday™ system is the many benefits it offers the salon owner. Not only will they have the tools they need to increase online exposure and grow business, but the system also provides them with an automated scheduling feature that minimizes the incidence of scheduling conflicts and errors.\r\n\r\nThis built-in automation not only increases efficiency, but it enhances the customer experience. There is always 24/7 access to the system for scheduling appointments, which also reduces the number of phone-in and call back appointments. Appointment notifications also come standard with the system to ensure appointment management stays efficient and smooth.\r\n\r\nIf you are a sales professional that is looking for a online appointment booking solution that is specially tailored for salon, spa and personal care professionals, epiday™ may be the solution for you to offer your customers. For more information on the epiday™ system and partnering with UP Solution to represent our full line of POS products, please visit <a href="http://www.upsolution.com">www.upsolution.com</a> or call us directly at 855.835.7919.', 46611, 1464212929, 3, 1465500952, 0),
(64, 20, 'Calling all current and future Sage sales partners', 'Once a year, there is a unique opportunity for Sage sales partners to gather together with peers, prospects, entrepreneurial leaders, and others in a facilitated and focused setting. This event, exclusively sponsored and hosted by Sage, was designed to provide participants with the latest information on small-to-medium business (SMB) trends and provide Sage partners with an opportunity to interact with dynamic business owners in a learning environment. The event offers attendees a high energy, collegial environment for sharing success stories, collaborating on customer-facing issues, and making new connections.\r\n\r\nThe annual Sage Summit is the world’s largest gathering of entrepreneurs and leaders of SMBs from all around the world. This year, the annual event is scheduled to take place in Chicago, IL, July 25-28. The itinerary is action packed and focused on one integrated concept: igniting passions for business, life, and helping others.\r\n\r\nIn addition to the Sage Summit conference’s providing a unique “businesscentricâ€ flavor, which Sage sales partners rarely have exposure to in any other industry-sponsored learning setting, Sage also offers the Partner Summit which is an exciting opportunity that is comprised of an exclusive day of training devoted to our valued partners. Partners get the inside scoop on what’s new for Sage and a birds-eye view of how these new developments can enhance their sales business.\r\n\r\n#h2Meet our "celebreneurs"\r\n\r\nThis year''s Sage Summit line-up of business leaders and presenters includes a number of entertainment celebrities that have also become very successful entrepreneurs. Celebrities such as Gwyneth Paltrow, founder and CCO of goop, actress and singer-songwriter Zooey Dechanel, who is also the cofounder of HelloGiggles, and Shark Tank icons Robert Herjavec and Daymond John. These are just a few of the celebrities you’ll get to interface with during the 2016 Sage Summit.\r\n\r\nVan Diamandakis, EVP of Brand, Sage, commented, "Sage Summit is the largest global gathering of entrepreneurs and small businesses, and we want to ignite their passion with some of the most successful celebrity entrepreneurs speaking, sharing their passion for business, living, and giving on stage. They believe, like we do, that small businesses are the driving force of our economies, and they will share their incredible stories and expertise to inspire 20,000 attendees on to greater success."\r\n\r\n#h2Emerging business at its finest \r\n\r\nCelebrity entrepreneur and venture capital star Ashton Kutcher, along with Kickstarter cofounder and CEO Yancy Strickler, will also be headliners at the 2016 Sage Summit. They will join Sir Richard Branson, founder of the Virgin Group, along with Sage CEO Stephen Kelly, in welcoming every participant into what is sure to be one the most rewarding Sage Summit yet!\r\n\r\nDon’t miss this year’s all-star agenda and three days full of action-packed, entrepreneur-filled moments. Your sales business will thank you for plugging in. For more information on the 2016 Sage Summit agenda and speakers and a peek at last year’s video recap of what this wonderful event is all about, go to <a href=''http://www.sagesummit.com'' target=''_blank''>www.sagesummit.com</a>. While you''re there, don’t forget to register online, and get ready for the most memorable event of your life!\r\n\r\n\r\n', 3, 1466794395, 3, 1466794452, 0);

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_header`
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CREATE TABLE IF NOT EXISTS `spotlight_header` (
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--
-- Dumping data for table `spotlight_header`
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INSERT INTO `spotlight_header` (`id`, `advertiser_id`, `contract_id`, `campaign_id`, `display_name`, `start_date`, `expiry_date`, `companyprofile_id`, `active`, `preview`, `override`, `logo`, `logo_link`, `header_logo`, `redirect_id`, `intro_blurb`) VALUES
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(13, 29, 13023, 2940, NULL, 1446354000, 1454306400, NULL, 1, 0, 0, '13_logo_TMS logo_V.png', NULL, NULL, NULL, 'Founded in 1996, Total Merchant Services has helped more than 500,000 small businesses with their payment processing needs and currently processes more than $12 billion in credit and debit card transactions annually. With a comprehensive portfolio of offerings, Total Merchant Services is committed to providing small businesses with easy, affordable and compliant payment solutions. The company pioneered the Free Terminal Placement program, and its sales partners receive some of the largest bonuses and residuals in the industry.'),
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(15, 185, 13030, 2950, NULL, 1421820000, 1424498400, 416, 1, 0, 0, '15_logo_HT white background R.png', NULL, NULL, NULL, 'Harbortouch is a leading national supplier of point of sale (POS) systems, credit card processing equipment and a full range of merchant services. Ranked by the Nilson Report as one of the largest payment processors in the United States, Harbortouch currently handles the merchant accounts for over 120,000 merchant locations and processes in excess of $10 billion annually, with those numbers continually increasing. The company offers an unparalleled free equipment program that supplies a full-featured POS system to restaurants and retail businesses with no up-front costs.'),
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(20, 131, 13015, 2925, 'Sage', 1434931200, 1462078800, NULL, 1, 0, 0, '20_logo_sage-logo-brilliant-green-RGB.png', NULL, NULL, NULL, 'Sage is the market leader for integrated accounting, payroll, and payment systems, supporting the ambition of the world''s entrepreneurs. Sage began as a small business in the U.K. 30 years ago, and over 13,000 colleagues now support millions of entrepreneurs, across 23 countries, as they power the global economy. We reinvent and simplify business accounting through brilliant technology, working with a thriving community of entrepreneurs, business owners, tradespeople, accountants, partners, and developers. And as a FTSE 100 business, we are active in supporting our local communities and invest in making a real difference through the philanthropy of the Sage Foundation.'),
(21, 317, 13099, 3110, NULL, 1428469200, 1438271072, NULL, 0, 0, 0, '21_logo_Paypal.jpg', NULL, NULL, NULL, NULL),
(23, 21, 13046, 2988, NULL, 1428987600, 1431579600, 469, 1, 1, 0, '23_logo_first-american-payment-systems-squarelogo.png', NULL, NULL, NULL, NULL),
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(26, 496, 13216, 3439, NULL, 1451635200, 1456819200, NULL, 0, 0, 0, '26_logo_OptBlue_logo.jpg', NULL, NULL, NULL, 'American Express is the world’s largest card issuer, the premium network for high-spending cardmembers, a processor of millions of transactions daily, and a partner that provides business-building services to a worldwide merchant base.  Having this horizontal scale across payments gives us diverse opportunities to grow our business and drive innovation in the marketplace. It’s also a gateway to a broader array of services that further differentiate American Express.\r\n\r\nOur direct relationships with many millions of consumers, businesses and merchants worldwide -- combined with our leading-edge marketing, information management and rewards capabilities -- enable us to offer an array of valuable services that enrich lives, build business success, encourage financial responsibility, and create communities of people with common interests.   This is what makes American Express a unique, and a uniquely powerful, services company.'),
(27, 181, 13151, 3277, 'UMS', 1433307600, 1483250400, NULL, 1, 0, 0, '27_logo_UMS-new-logo_original.png', NULL, NULL, NULL, 'UMS is a New Jersey-based, comprehensive payment processing company with over 20 years experience in the payments industry. UMS continues to introduce innovative payment solutions and services to merchants and our commitment to excellent customer service has made UMS one of the top private processors in the nation.'),
(28, 539, 13167, 3316, 'Sysnet Global Solutions', 1438416000, 1441094400, NULL, 1, 0, 0, '28_logo_download.jpg', NULL, NULL, NULL, NULL),
(29, 104, 13183, 3351, 'NMI', 1442466000, 1451541600, NULL, 1, 0, 0, '29_logo_NMI-logo-red-text-150.jpg', 'https://www.nmi.com/', NULL, NULL, NULL),
(31, 29, 13204, 3417, NULL, 1446354000, 1448949600, NULL, 1, 0, 0, NULL, NULL, NULL, 13, NULL),
(32, 131, 13208, 3424, NULL, 1445490000, 1453442400, NULL, 1, 0, 0, NULL, NULL, NULL, 20, NULL),
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(35, 151, 13235, 3512, NULL, 1451635200, 1483257600, NULL, 1, 0, 0, '35_logo_151_logo.png', NULL, NULL, NULL, 'USAePay is a family-owned business based in Los Angeles, CA. For over 15 years, the company has been assisting merchants with payment solutions to fit their needs. USAePay''s payment gateway supports most of the major platforms in the credit card industry and works with some of the leading check platforms. USAePay is pleased to work with most of the larger merchant service banks in the US and Canada.'),
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(43, 161, 13318, 3837, NULL, 1462078800, 1464757200, NULL, 1, 0, 0, '43_logo_SGF-BLUESQ stacked logo.jpg', NULL, NULL, 0, 'Super G Funding, based in Newport Beach, CA, is a national provider of business financing solutions with loans ranging in size from $100,000 – $5,000,000.\r\n\r\nFounded in 2008 by successful entrepreneur Darrin Ginsberg who built several national Independent Sales Organizations (ISOs), Super G’s lending strategy is based upon years of working with businesses that are either constrained by traditional commercial institutions or simply do not have access. Based on its 5 year performance with minimal bad debt, Super G raised a committed fund to expand its team of professionals, increase check sizes to be able to invest up to $5 mm per deal and scale its residual based loan strategy to additional markets.'),
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--
-- Table structure for table `spotlight_images`
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CREATE TABLE IF NOT EXISTS `spotlight_images` (
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-- --------------------------------------------------------

--
-- Table structure for table `spotlight_index_boxes`
--

CREATE TABLE IF NOT EXISTS `spotlight_index_boxes` (
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--
-- Dumping data for table `spotlight_index_boxes`
--

INSERT INTO `spotlight_index_boxes` (`id`, `spotlight_id`, `image_number`, `text`, `content_node`, `content_id`) VALUES
(1, 1, 2, 'Welcome to<br /> North American Bancard', 'displayFeaturedContent', 4),
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(3, 1, 4, 'NAB Agent Video', 'displayVideo', 17),
(4, 11, 3, 'New Featured Content', 'displayFeaturedContent', 13),
(5, 12, 0, '', 'displayFeaturedContent', 1);

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_infographics`
--

CREATE TABLE IF NOT EXISTS `spotlight_infographics` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `spotlight_id` int(8) NOT NULL,
  `file_name` varchar(100) NOT NULL,
  `title` varchar(255) DEFAULT NULL,
  `informational_text` text,
  PRIMARY KEY (`id`),
  KEY `spotlight_id` (`spotlight_id`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=6 ;

--
-- Dumping data for table `spotlight_infographics`
--

INSERT INTO `spotlight_infographics` (`id`, `spotlight_id`, `file_name`, `title`, `informational_text`) VALUES
(2, 18, '2_infographic.png', 'Are you ready for EMV', ''),
(3, 23, '3_infographic.png', '25 Years of Payment Processing', ''),
(4, 17, '4_infographic.png', 'State of the Payments Industry', 'With the close of the first quarter of 2015, we have the opportunity to examine how the launch of Apple Pay and the upcoming EMV liability shift are shaping the payments industry. As the public becomes increasingly familiar with new payment methods, the shift towards the end of the traditional wallet as we know it may have hit its tipping point.'),
(5, 17, '', 'Preparing Businesses for EMV', '<a href="https://cayan.com/preparing-your-business-for-emv-oct-15" rel="nofollow" title="Preparing Your Business for EMV"><img  src="https://cayan.com/getmedia/0a8a2861-8310-444b-8542-441ce1871625/emvroadmap600"   alt="Preparing Your Business for EMV | Cayan"/></a>');

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_keywords`
--

CREATE TABLE IF NOT EXISTS `spotlight_keywords` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `spotlight_id` int(8) NOT NULL,
  `keyword` varchar(100) NOT NULL,
  PRIMARY KEY (`id`),
  KEY `spotlight_id` (`spotlight_id`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=61 ;

--
-- Dumping data for table `spotlight_keywords`
--

INSERT INTO `spotlight_keywords` (`id`, `spotlight_id`, `keyword`) VALUES
(1, 1, 'North American Bancard'),
(2, 1, 'PayAnywhere'),
(3, 3, 'Michael Nardy'),
(6, 7, 'Bank Associates Merchant Services (BAMS)'),
(7, 7, 'IRIS'),
(8, 7, 'IRISCRM.COM'),
(18, 14, 'POS Portal, Inc.'),
(19, 14, 'POS PORTAL'),
(20, 14, 'P2 Sales Software'),
(23, 23, 'First American Payment Systems'),
(24, 12, 'TSYS'),
(28, 26, 'AmEx'),
(29, 26, 'OptBlue'),
(30, 26, 'AmericanExpress'),
(31, 17, 'Cayan'),
(38, 27, 'United Merchant Services, Inc.'),
(39, 27, 'UP Solution'),
(40, 27, 'UMSI'),
(45, 20, 'Sage Payment Solutions'),
(46, 20, ' Sage '),
(47, 28, 'Sysnet Global Solutions'),
(48, 28, 'Sysnet'),
(49, 29, 'Network Merchants Inc'),
(50, 29, 'NMI'),
(51, 11, 'EVO Platinum Services LLC'),
(52, 11, ' EVO Payments International LLC '),
(53, 11, ' EVO Merchant Services'),
(54, 11, ' EVO '),
(57, 31, 'Total Merchant Services'),
(58, 31, ' TMS '),
(59, 43, 'Super G Funding LLC'),
(60, 43, 'Super G');

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_load_count`
--

CREATE TABLE IF NOT EXISTS `spotlight_load_count` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `spotlight_id` int(8) NOT NULL,
  `year` int(4) NOT NULL,
  `month` int(2) NOT NULL,
  `counter` int(8) NOT NULL,
  PRIMARY KEY (`id`),
  KEY `spotlight_id` (`spotlight_id`,`year`,`month`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=88 ;

--
-- Dumping data for table `spotlight_load_count`
--

INSERT INTO `spotlight_load_count` (`id`, `spotlight_id`, `year`, `month`, `counter`) VALUES
(1, 1, 2015, 1, 744),
(2, 10, 2015, 1, 1),
(3, 13, 2015, 1, 1),
(4, 14, 2015, 1, 3),
(5, 15, 2015, 1, 7),
(6, 17, 2015, 1, 2),
(7, 1, 2015, 2, 1120),
(8, 17, 2015, 2, 22),
(9, 18, 2015, 2, 1),
(10, 16, 2015, 2, 3),
(11, 16, 2015, 2, 1),
(12, 1, 2015, 3, 1354),
(13, 13, 2015, 3, 1),
(14, 20, 2015, 3, 2),
(15, 1, 2015, 4, 1386),
(16, 23, 2015, 4, 7),
(17, 1, 2015, 5, 2844),
(18, 17, 2015, 5, 16),
(19, 1, 2015, 6, 1342),
(20, 17, 2015, 6, 1280),
(22, 20, 2015, 6, 321),
(23, 20, 2015, 7, 921),
(24, 17, 2015, 7, 1285),
(25, 1, 2015, 7, 1248),
(26, 17, 2015, 8, 5806),
(27, 20, 2015, 8, 2034),
(28, 1, 2015, 8, 2601),
(29, 28, 2015, 8, 2271),
(30, 17, 2015, 9, 1342),
(31, 28, 2015, 9, 2),
(32, 1, 2015, 9, 1319),
(33, 20, 2015, 9, 1056),
(34, 29, 2015, 9, 555),
(35, 17, 2015, 10, 2583),
(36, 1, 2015, 10, 2262),
(37, 29, 2015, 10, 2006),
(38, 20, 2015, 10, 1919),
(39, 31, 2015, 10, 25),
(40, 32, 2015, 10, 42),
(41, 17, 2015, 11, 2693),
(42, 1, 2015, 11, 2651),
(43, 20, 2015, 11, 3525),
(44, 29, 2015, 11, 1121),
(45, 13, 2015, 11, 1454),
(46, 20, 2015, 12, 10267),
(47, 1, 2015, 12, 4679),
(48, 13, 2015, 12, 1081),
(49, 17, 2015, 12, 3437),
(50, 29, 2015, 12, 982),
(51, 17, 2016, 1, 18),
(52, 20, 2016, 1, 2599),
(53, 1, 2016, 1, 3458),
(54, 35, 2016, 1, 1400),
(55, 27, 2016, 1, 974),
(56, 20, 2016, 2, 3572),
(57, 27, 2016, 2, 1578),
(58, 1, 2016, 2, 3332),
(59, 35, 2016, 2, 1500),
(60, 13, 2016, 2, 65),
(61, 26, 2016, 2, 34),
(62, 35, 2016, 3, 1086),
(63, 20, 2016, 3, 1757),
(64, 27, 2016, 3, 1313),
(65, 1, 2016, 3, 2610),
(66, 26, 2016, 3, 1514),
(67, 13, 2016, 3, 60),
(68, 1, 2016, 4, 2690),
(69, 35, 2016, 4, 1072),
(70, 20, 2016, 4, 1898),
(71, 26, 2016, 4, 1431),
(72, 27, 2016, 4, 1186),
(73, 13, 2016, 4, 1641),
(74, 15, 2016, 4, 320),
(75, 43, 2016, 4, 7),
(76, 35, 2016, 5, 1486),
(77, 15, 2016, 5, 1472),
(78, 1, 2016, 5, 2702),
(79, 27, 2016, 5, 1401),
(80, 43, 2016, 5, 1332),
(81, 13, 2016, 5, 29),
(82, 1, 2016, 6, 4285),
(83, 15, 2016, 6, 3211),
(84, 27, 2016, 6, 2798),
(85, 35, 2016, 6, 3547),
(86, 13, 2016, 6, 6),
(87, 20, 2016, 6, 5041);

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_newswire_suppress`
--

CREATE TABLE IF NOT EXISTS `spotlight_newswire_suppress` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `spotlight_id` int(8) NOT NULL,
  `newswire_id` int(8) NOT NULL,
  PRIMARY KEY (`id`),
  KEY `spotlight_id` (`spotlight_id`,`newswire_id`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=22 ;

--
-- Dumping data for table `spotlight_newswire_suppress`
--

INSERT INTO `spotlight_newswire_suppress` (`id`, `spotlight_id`, `newswire_id`) VALUES
(2, 0, 35886),
(5, 1, 35459),
(3, 1, 35886),
(6, 17, 37689),
(11, 20, 36534),
(10, 20, 36754),
(9, 20, 37804),
(8, 20, 38467),
(7, 20, 38470),
(21, 20, 40129),
(20, 20, 40229),
(19, 20, 40430),
(18, 20, 40530),
(17, 20, 40580),
(16, 26, 40011),
(12, 28, 36286),
(14, 29, 38353),
(13, 29, 38857),
(15, 31, 39003);

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_rewrite_image`
--

CREATE TABLE IF NOT EXISTS `spotlight_rewrite_image` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `date` int(11) NOT NULL,
  `user_id` int(8) NOT NULL,
  `image` varchar(100) NOT NULL,
  `reason` varchar(100) DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `date` (`date`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=57 ;

--
-- Dumping data for table `spotlight_rewrite_image`
--

INSERT INTO `spotlight_rewrite_image` (`id`, `date`, `user_id`, `image`, `reason`) VALUES
(1, 1421863545, 0, '1#', 'image mismatch'),
(2, 1433132224, 0, '1#17#', 'image mismatch'),
(3, 1434986090, 0, '1#17#20#', 'image mismatch'),
(4, 1435679095, 0, '1#17#20#21#', 'image mismatch'),
(5, 1435679213, 0, '1#17#20#', 'image mismatch'),
(6, 1438416003, 0, '1#17#20#28#', 'image mismatch'),
(7, 1441094411, 0, '1#17#20#', 'image mismatch'),
(8, 1442293202, 0, '1#17#20#29#', 'image mismatch'),
(9, 1442340257, 0, '1#17#20#', 'image mismatch'),
(10, 1442511401, 3, '1#17#20#29#', 'image mismatch'),
(11, 1444626011, 0, '1#17#20#29#31#', 'image mismatch'),
(12, 1444664580, 0, '1#17#20#29#', 'image mismatch'),
(13, 1445472002, 0, '1#17#29#', 'image mismatch'),
(14, 1445875451, 0, '1#17#29#32#', 'image mismatch'),
(15, 1445888376, 0, '1#17#29#', 'image mismatch'),
(16, 1445888669, 0, '1#17#20#29#', 'image mismatch'),
(17, 1445895901, 0, '1#17#20#29#32#', 'image mismatch'),
(18, 1445899808, 0, '1#17#20#29#', 'image mismatch'),
(19, 1445899809, 0, '1#17#20#29#', 'image mismatch'),
(20, 1447184329, 0, '1#13#17#20#29#', 'image mismatch'),
(21, 1447567200, 0, '1#13#17#20#', 'image mismatch'),
(22, 1448949600, 0, '1#13#20#', 'image mismatch'),
(23, 1449078376, 0, '1#13#17#20#', 'image mismatch'),
(24, 1449727202, 0, '1#17#20#', 'image mismatch'),
(25, 1449881964, 0, '1#17#20#29#', 'image mismatch'),
(26, 1451541605, 0, '1#17#20#', 'image mismatch'),
(27, 1451628003, 0, '17#20#', 'image mismatch'),
(28, 1451645138, 0, '20#', 'image mismatch'),
(29, 1451768041, 3, '1#20#', 'image mismatch'),
(30, 1452551912, 0, '1#20#35#', 'image mismatch'),
(31, 1452912571, 0, '1#20#27#35#', 'image mismatch'),
(32, 1452913689, 3, '1#20#35#', 'image mismatch'),
(33, 1452913704, 0, '1#20#27#35#', 'image mismatch'),
(34, 1455907457, 0, '1#13#20#27#35#', 'image mismatch'),
(35, 1455916789, 0, '1#20#27#35#', 'image mismatch'),
(36, 1456176312, 0, '1#13#20#27#35#', 'image mismatch'),
(37, 1456176802, 0, '1#20#27#35#', 'image mismatch'),
(38, 1456797570, 0, '1#20#26#27#35#', 'image mismatch'),
(39, 1456812002, 0, '1#13#20#26#27#35#', 'image mismatch'),
(40, 1456845402, 0, '1#20#26#27#35#', 'image mismatch'),
(41, 1456845412, 0, '1#20#27#35#', 'image mismatch'),
(42, 1456846688, 3, '1#13#20#27#35#', 'image mismatch'),
(43, 1456846695, 0, '1#13#20#26#27#35#', 'image mismatch'),
(44, 1456860485, 0, '1#20#26#27#35#', 'image mismatch'),
(45, 1456860619, 460, '1#13#20#26#27#35#', 'image mismatch'),
(46, 1456941601, 0, '1#20#26#27#35#', 'image mismatch'),
(47, 1459013628, 3, '1#13#20#26#27#35#', 'image mismatch'),
(48, 1459013688, 3, '1#20#26#27#35#', 'image mismatch'),
(49, 1459784342, 0, '1#13#20#26#27#35#', 'image mismatch'),
(50, 1461694737, 0, '1#13#15#20#26#27#35#', 'image mismatch'),
(51, 1461694816, 0, '1#13#20#26#27#35#', 'image mismatch'),
(52, 1461702354, 3, '1#13#15#20#26#27#35#', 'image mismatch'),
(53, 1462078801, 0, '1#15#27#35#', 'image mismatch'),
(54, 1462298082, 3, '1#15#27#35#43#', 'image mismatch'),
(55, 1464757202, 0, '1#15#27#35#', 'image mismatch'),
(56, 1466013864, 0, '1#15#20#27#35#', 'image mismatch');

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_social_links`
--

CREATE TABLE IF NOT EXISTS `spotlight_social_links` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `spotlight_id` int(8) NOT NULL,
  `name` varchar(25) NOT NULL DEFAULT 'Facebook',
  `link` varchar(255) DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `spotlight_id` (`spotlight_id`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=19 ;

--
-- Dumping data for table `spotlight_social_links`
--

INSERT INTO `spotlight_social_links` (`id`, `spotlight_id`, `name`, `link`) VALUES
(1, 1, 'Facebook', 'https://www.facebook.com/nabancard'),
(2, 1, 'Twitter', 'https://twitter.com/Bancard'),
(3, 1, 'LinkedIn', 'https://www.linkedin.com/company/3815683'),
(4, 29, 'Facebook', 'https://www.facebook.com/NetworkMerchantsInc'),
(5, 29, 'Twitter', 'https://twitter.com/NMI_Gateway'),
(6, 29, 'LinkedIn', 'https://www.linkedin.com/company/822824'),
(7, 35, 'Facebook', 'https://www.facebook.com/USAePay/'),
(8, 35, 'Twitter', 'https://twitter.com/usaepay'),
(9, 35, 'LinkedIn', 'https://www.linkedin.com/company/1959661'),
(10, 26, 'Facebook', 'https://www.facebook.com/americanexpress'),
(11, 26, 'Twitter', 'https://twitter.com/americanexpress'),
(12, 26, 'LinkedIn', 'https://www.linkedin.com/company/american-express'),
(13, 15, 'Facebook', 'https://www.facebook.com/harbortouch/'),
(14, 15, 'Twitter', 'https://twitter.com/Harbortouch?lang=en'),
(15, 15, 'LinkedIn', 'https://www.linkedin.com/company/1844935'),
(16, 43, 'Facebook', 'https://www.facebook.com/supergfunding/'),
(17, 43, 'Twitter', 'https://twitter.com/SuperGfunding?lang=en'),
(18, 43, 'LinkedIn', 'https://www.linkedin.com/company/863158');

-- --------------------------------------------------------

--
-- Table structure for table `spotlight_whats_new`
--

CREATE TABLE IF NOT EXISTS `spotlight_whats_new` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `spotlight_id` int(8) NOT NULL,
  `date` int(11) NOT NULL,
  `body` text NOT NULL,
  PRIMARY KEY (`id`),
  KEY `spotlight_id` (`spotlight_id`,`date`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=10 ;

--
-- Dumping data for table `spotlight_whats_new`
--

INSERT INTO `spotlight_whats_new` (`id`, `spotlight_id`, `date`, `body`) VALUES
(1, 35, 1452535375, 'USAePay, an industry leading payment gateway, is proud to announce EMV certification by Global Payments, a leading worldwide provider of payment technology services. '),
(2, 1, 1452538049, 'NAB has launched a simple, intuitive, online boarding application that ensures ALL applicants have a more convenient way to apply online.'),
(3, 20, 1452542249, 'Read our latest article on the importance of choosing the right gateway for your merchants, and how important it can be to your bottom line.'),
(4, 27, 1452912715, 'Countertop POS systems for retailers, restaurants and other types of over-the-counter (OTC) businesses have evolved dramatically in the past ten years. '),
(5, 13, 1456175344, 'Total Merchant Services recently introduced its Total Choice program, which enables sales partners to choose their compensation plan on a per-merchant basis. '),
(6, 26, 1456797805, 'American Express Co.''s OptBlue program has streamlined credit card payment and acceptance in the United States, gaining popularity with merchants, consumers and acquirers. '),
(7, 13, 1459013604, 'Total Merchant Services recently introduced its Total Choice program, which enables sales partners to choose their compensation plan on a per-merchant basis. '),
(8, 15, 1461614901, 'Harbortouch''s free equipment program now features the company''s flagship Elite POS system and "tablet killer" Echo system to deliver the ultimate sales tool.'),
(9, 43, 1462297863, 'Check out the newest Spotlight Innovator on The Green Sheet.');

-- --------------------------------------------------------

--
-- Table structure for table `valueadd_types`
--

CREATE TABLE IF NOT EXISTS `valueadd_types` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `type` varchar(25) NOT NULL,
  `campaign_type` varchar(25) NOT NULL,
  `needs_inventory` tinyint(1) NOT NULL DEFAULT '1',
  PRIMARY KEY (`id`),
  KEY `type` (`type`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=8 ;

--
-- Dumping data for table `valueadd_types`
--

INSERT INTO `valueadd_types` (`id`, `type`, `campaign_type`, `needs_inventory`) VALUES
(1, 'white mask', 'Print', 0),
(2, 'flipbook livelink', 'Print', 1),
(3, 'flipbook video embed', 'Print', 1),
(4, 'flipbook livelink', 'ResourceGuide', 1),
(5, 'flipbook animated text', 'Print', 1),
(6, 'flipbook animated text', 'ResourceGuide', 1),
(7, 'flipbook livelink', 'BRC', 1);

-- --------------------------------------------------------

--
-- Table structure for table `video_campaigns`
--

CREATE TABLE IF NOT EXISTS `video_campaigns` (
  `campaign_id` int(8) NOT NULL,
  `contract_id` int(8) NOT NULL,
  `start_date` int(11) NOT NULL,
  `end_date` int(11) NOT NULL,
  `duration` int(4) NOT NULL,
  `comp_months` int(4) NOT NULL DEFAULT '0',
  `comp_days` int(4) NOT NULL DEFAULT '0',
  `paid` tinyint(1) NOT NULL DEFAULT '0',
  PRIMARY KEY (`campaign_id`),
  KEY `contract_id` (`contract_id`,`start_date`,`end_date`)
) ENGINE=InnoDB DEFAULT CHARSET=latin1;

--
-- Dumping data for table `video_campaigns`
--

INSERT INTO `video_campaigns` (`campaign_id`, `contract_id`, `start_date`, `end_date`, `duration`, `comp_months`, `comp_days`, `paid`) VALUES
(2230, 12885, 1414818000, 1462086000, 18, 0, 0, 1),
(2703, 12966, 1427864400, 1448949600, 6, 2, 0, 1),
(3144, 13110, 1434351600, 1442293200, 3, 0, 0, 1),
(3810, 13308, 1459486800, 1467349200, 3, 0, 0, 1);

-- --------------------------------------------------------

--
-- Table structure for table `video_campaign_detail`
--

CREATE TABLE IF NOT EXISTS `video_campaign_detail` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `video_campaign_id` int(8) NOT NULL,
  `video_inventory_id` int(8) NOT NULL,
  `start_date` int(11) NOT NULL,
  PRIMARY KEY (`id`),
  KEY `video_campaign_id` (`video_campaign_id`,`start_date`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=24 ;

--
-- Dumping data for table `video_campaign_detail`
--

INSERT INTO `video_campaign_detail` (`id`, `video_campaign_id`, `video_inventory_id`, `start_date`) VALUES
(1, 2230, 41, 1420150893),
(2, 2230, 34, 1422829293),
(3, 2230, 33, 1425248493),
(4, 2230, 31, 1433197293),
(5, 2703, 16, 1427871600),
(6, 2703, 17, 1430463600),
(7, 2230, 41, 1435734000),
(8, 2230, 34, 1438412400),
(9, 2230, 33, 1441090800),
(10, 2230, 31, 1443682800),
(11, 2703, 45, 1431932400),
(12, 2703, 16, 1433134800),
(13, 2703, 17, 1435726800),
(14, 2703, 16, 1438405200),
(15, 2703, 17, 1441083600),
(16, 3144, 46, 1434344400),
(19, 3144, 46, 1434085200),
(20, 3810, 55, 1459486800),
(21, 3810, 56, 1462078800),
(22, 3810, 55, 1464757200),
(23, 3810, 56, 1466053200);

-- --------------------------------------------------------

--
-- Table structure for table `video_inventory`
--

CREATE TABLE IF NOT EXISTS `video_inventory` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `advertiser_id` int(8) NOT NULL DEFAULT '0',
  `contract_id` int(8) NOT NULL,
  `campaign_id` int(8) NOT NULL,
  `name` varchar(255) DEFAULT NULL,
  `type` varchar(10) NOT NULL,
  `archived` int(11) NOT NULL DEFAULT '0',
  `update_id` int(8) NOT NULL,
  `update_date` int(11) DEFAULT NULL,
  `loaded_date` int(11) NOT NULL,
  `start_date` int(11) NOT NULL,
  `end_date` int(11) NOT NULL,
  `short_text` text,
  `long_text` text,
  `embed_text` text,
  `reuse_inventory_id` int(8) DEFAULT NULL,
  `spotlight` tinyint(1) NOT NULL DEFAULT '0',
  PRIMARY KEY (`id`),
  KEY `contract_id` (`contract_id`,`campaign_id`),
  KEY `start_date` (`start_date`,`end_date`),
  KEY `type` (`type`),
  KEY `advertiser_id` (`advertiser_id`)
) ENGINE=InnoDB  DEFAULT CHARSET=latin1 AUTO_INCREMENT=57 ;

--
-- Dumping data for table `video_inventory`
--

INSERT INTO `video_inventory` (`id`, `advertiser_id`, `contract_id`, `campaign_id`, `name`, `type`, `archived`, `update_id`, `update_date`, `loaded_date`, `start_date`, `end_date`, `short_text`, `long_text`, `embed_text`, `reuse_inventory_id`, `spotlight`) VALUES
(1, 269, 12464, 977, 'NEAA 2011', 'Comp', 0, 3, 1365184372, 1365184372, 1364792400, 1372654800, 'This is a short test video by Mark Dunn shot at NEAA 2011.', 'Not too much to be said about this video.  It was shot by Mark Dunn at NEAA 2011 at Mt. Snow.', NULL, NULL, 0),
(2, 393, 12513, 1045, 'Introduction', 'Comp', 0, 3, 1407170154, 1368657037, 1367384400, 1404190800, 'PCI SSC - Introduction to Payment Card Security', 'These are a series of educational videos produced by the folks at the PCI Security Standards Council.  Primarily targeted at Small Business Merchants, they are an excellent educational resource.  You can find their website here at <a href="https://www.pcisecuritystandards.org">www.pcisecuritystandards.org</a>.  The original page for their videos is here: <a href="https://www.pcisecuritystandards.org/smb/">https://www.pcisecuritystandards.org/smb/</a>.', '<iframe width="640" height="360" src="http://www.youtube.com/embed/JZoDLSb5Eng?feature=player_embedded" frameborder="0" ></iframe>', NULL, 0),
(3, 393, 12513, 1044, 'Password Protection', 'Comp', 0, 3, 1407170132, 1368657186, 1367384400, 1404190800, 'PCI SSC - Password Protection', 'These are a series of educational videos produced by the folks at the PCI Security Standards Council.  Primarily targeted at Small Business Merchants, they are an excellent educational resource.  You can find their website here at <a href="https://www.pcisecuritystandards.org">www.pcisecuritystandards.org</a>.  The original page for their videos is here: <a href="https://www.pcisecuritystandards.org/smb/">https://www.pcisecuritystandards.org/smb/</a>.', '<iframe width="640" height="360" src="http://www.youtube.com/embed/lRNeHhmxjAU?feature=player_embedded" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(4, 393, 12513, 1043, 'Three Best Practices', 'Comp', 0, 3, 1407170183, 1368657289, 1367384400, 1404190800, 'PCI SSC - Three Best Practices', 'These are a series of educational videos produced by the folks at the PCI Security Standards Council.  Primarily targeted at Small Business Merchants, they are an excellent educational resource.  You can find their website here at <a href="https://www.pcisecuritystandards.org">www.pcisecuritystandards.org</a>.  The original page for their videos is here: <a href="https://www.pcisecuritystandards.org/smb/">https://www.pcisecuritystandards.org/smb/</a>.', '<iframe width="640" height="360" src="http://www.youtube.com/embed/0hpyCa8g-N4?feature=player_embedded" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(5, 393, 12513, 1042, 'E-Commerce', 'Comp', 0, 3, 1407170170, 1368657353, 1367384400, 1404190800, 'PCI SSC - E-Commerce', 'These are a series of educational videos produced by the folks at the PCI Security Standards Council.  Primarily targeted at Small Business Merchants, they are an excellent educational resource.  You can find their website here at <a href="https://www.pcisecuritystandards.org">www.pcisecuritystandards.org</a>.  The original page for their videos is here: <a href="https://www.pcisecuritystandards.org/smb/">https://www.pcisecuritystandards.org/smb/</a>.', '<iframe width="640" height="360" src="http://www.youtube.com/embed/7eXYvwyGzG8?feature=player_embedded" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(6, 269, 12536, 1093, 'Interview with Jason Oxman', 'Comp', 0, 3, 1370622510, 1370556550, 1370062800, 1378011600, 'Green Sheet video interview with Jason Oxman, CEO of the Electronic Transaction Association (ETA) from April 30, 2013', 'On April 30, 2013 Editorial Consultant Mark Dunn conducted an exclusive Green Sheet video interview with Jason Oxman, CEO of the Electronic Transaction Association (ETA).  Mr. Oxman answers questions about the direction, priorities  and initiatives of the ETA in 2013. Copyright ©2013 The Green Sheet, Inc.', '', NULL, 0),
(7, 393, 12590, 1210, 'Introduction', 'Comp', 0, 3, 1375461899, 1375461899, 1375333200, 1383282000, 'PCI SSC - Introduction to Payment Card Security', 'These are a series of educational videos produced by the folks at the PCI Security Standards Council.  Primarily targeted at Small Business Merchants, they are an excellent educational resource.  You can find their website here at <a href="https://www.pcisecuritystandards.org">www.pcisecuritystandards.org</a>.  The original page for their videos is here: <a href="https://www.pcisecuritystandards.org/smb/">https://www.pcisecuritystandards.org/smb/</a>.', '<iframe width="640" height="360" src="http://www.youtube.com/embed/JZoDLSb5Eng?feature=player_embedded" frameborder="0" ></iframe>', NULL, 0),
(8, 393, 12590, 1209, 'Password Protection', 'Comp', 0, 3, 1375461975, 1375461975, 1375333200, 1383282000, 'PCI SSC - Password Protection', 'These are a series of educational videos produced by the folks at the PCI Security Standards Council.  Primarily targeted at Small Business Merchants, they are an excellent educational resource.  You can find their website here at <a href="https://www.pcisecuritystandards.org">www.pcisecuritystandards.org</a>.  The original page for their videos is here: <a href="https://www.pcisecuritystandards.org/smb/">https://www.pcisecuritystandards.org/smb/</a>.', '<iframe width="640" height="360" src="http://www.youtube.com/embed/lRNeHhmxjAU?feature=player_embedded" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(9, 393, 12590, 1208, 'Three Best Practices', 'Comp', 0, 3, 1375462068, 1375462068, 1375333200, 1383282000, 'PCI SSC - Three Best Practices', 'These are a series of educational videos produced by the folks at the PCI Security Standards Council.  Primarily targeted at Small Business Merchants, they are an excellent educational resource.  You can find their website here at <a href="https://www.pcisecuritystandards.org">www.pcisecuritystandards.org</a>.  The original page for their videos is here: <a href="https://www.pcisecuritystandards.org/smb/">https://www.pcisecuritystandards.org/smb/</a>.', '<iframe width="640" height="360" src="http://www.youtube.com/embed/0hpyCa8g-N4?feature=player_embedded" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(10, 393, 12590, 1207, 'E-Commerce', 'Comp', 0, 3, 1375462172, 1375462172, 1375333200, 1383282000, 'PCI SSC - E-Commerce', 'These are a series of educational videos produced by the folks at the PCI Security Standards Council.  Primarily targeted at Small Business Merchants, they are an excellent educational resource.  You can find their website here at <a href="https://www.pcisecuritystandards.org">www.pcisecuritystandards.org</a>.  The original page for their videos is here: <a href="https://www.pcisecuritystandards.org/smb/">https://www.pcisecuritystandards.org/smb/</a>.', '<iframe width="640" height="360" src="http://www.youtube.com/embed/7eXYvwyGzG8?feature=player_embedded" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(11, 414, 12591, 1215, 'CNP Teaser', 'Comp', 0, 3, 1375807839, 1375465293, 1375333200, 1380603600, 'CNP Teaser', 'Alex Algard of WhitePages.com interview: Mobile Payments and Identity Influencer Series, Presented by Jumio', '<iframe width="640" height="360" src="http://www.youtube.com/embed/zQ_6nY_HPyQ?feature=player_detailpage" frameborder="0" ></iframe>', NULL, 0),
(12, 414, 12591, 1214, 'Interview with Terry Dooley', 'Comp', 0, 3, 1376327146, 1375465410, 1375333200, 1380603600, 'Interview with Terry Dooley', 'Terry Dooley, Shazam interview: Mobile Payments and Identity Influencer Series, Presented by Jumio', '<iframe width="640" height="360" src="http://www.youtube.com/embed/TDqp1h4MNgg?feature=player_detailpage" frameborder="0" ></iframe>', NULL, 0),
(13, 414, 12591, 1213, 'Interview with Alex Algard', 'Comp', 0, 3, 1376326855, 1375465544, 1375333200, 1380603600, 'Interview with Alex Algard', 'Alex Algard, WhitePages PRO interview: Mobile Payments and Identity Influencer Series, Presented by Jumio', '<iframe width="640" height="360" src="http://www.youtube.com/embed/IMsWczo6590?feature=player_detailpage" frameborder="0" ></iframe>', NULL, 0),
(14, 414, 12591, 1212, 'Interview with Michael Roche', 'Comp', 0, 3, 1376327164, 1375465642, 1375333200, 1380603600, 'Interview with Michael Roche', 'Michael Roche of CardinalCommerce interview: Mobile Payments and Identity Influencer Series, Presented by Jumio', '<iframe width="640" height="360" src="http://www.youtube.com/embed/ZSLstlkaAf0?feature=player_detailpage" frameborder="0" ></iframe>', NULL, 0),
(15, 414, 12591, 1211, 'Interview with Phil Levy', 'Comp', 0, 3, 1375807877, 1375465746, 1375333200, 1380603600, 'Interview with Phil Levy', 'Phil Levy, First Data interview: Mobile Payments and Identity Influencer Series, Presented by Jumio', '<iframe width="640" height="360" src="http://www.youtube.com/embed/S0Sf4M0ImNI?feature=player_detailpage" frameborder="0" ></iframe>', NULL, 0),
(16, 20, 12739, 1801, 'Agent Phone Swipe', 'Tier 2', 0, 3, 1432406528, 1387826405, 1387778400, 1393135200, 'Want to transform your career? Transform your merchants'' smartphones and tablets into mobile credit card terminals with Phone Swipe.', 'Partner with Phone Swipe and help take your merchants'' businesses to exciting new places. They''ll get to accept credit cards wherever, whenever. You''ll get everything you need to maximize your profitability including flexible pricing options, all card brands at one low rate, next day funding and the free app and card reader.', '', NULL, 1),
(17, 20, 12739, 1800, 'Agent bonuses', 'Tier 2', 0, 3, 1432406553, 1387826461, 1387778400, 1393135200, 'Want a $3,000.00 signing bonus plus up to $1,000.00 on every deal? Become a North American Bancard Sales Partner today.', 'Join the industry leader with our customized lifetime residual program. You''ll receive a $3,000 signing bonus and $1,000 additional bonus on every deal. Offer your merchants the guaranteed lowest rates, free equipment, mobile processing, and no cancellation fees. Stay competitive and be more profitable with North American Bancard.', '', NULL, 1),
(18, 20, 12739, 1802, 'ISO Program', 'Tier 2', 0, 3, 1432406500, 1387826521, 1387778400, 1393135200, 'Find out how successful you could be with unlimited capital. Join North American Bancard''s Registered ISO Program.', 'Join the only Registered ISO Program that''s tailor-made for you, by you. We will give you unlimited capital to build your brand, staff up, and even get registered! Let North American Bancard provide you with the capital, business intelligence, support and back end tools you need to be successful.', '', NULL, 1),
(19, 238, 12803, 1990, 'Executech Leasing', 'Tier 1', 0, 3, 1395158537, 1395158537, 1395032400, 1397710800, 'See why ExecuTech Lease Group is your best choice when it comes to Equipment Leasing', 'ExecuTech Lease Group is a service driven leasing company specializing in Point of Sale, ATM and POS system leases. With over 20 years of industry experience at our disposal our goal is to provide customers with the highest level of customer service, quick credit response’s, next day funding, simple paperwork, and courteous advice.\r\n', '', NULL, 0),
(20, 269, 12838, 2064, 'Interview with Diane Vogt Faro', 'Comp', 0, 3, 1408397645, 1396895674, 1396846800, 1412139600, 'Mark Dunn interviews Diane Vogt Faro', 'Mark Dunn interviews Diane Vogt Faro', '', NULL, 0),
(21, 413, 12844, 2086, 'Michelle Brisby Interview', 'Comp', 0, 3, 1401478084, 1398354950, 1398315600, 1403586000, 'WhitePages PRO''s Tom Donlea interviews Michelle Brisby of Sephora', 'WhitePages PRO director of risk services Tom Donlea speaks with merchant and retailer experts around the country in a video series called The Re-Tales. In this video, which was recorded in Las Vegas at the 2014 Merchant Risk Council''s E-Commerce Payments and Risk Conference, Tom chats with Michelle Brisby of Sephora on her thoughts as a merchant on fraud, risk, and payments. ', '', NULL, 0),
(22, 413, 12844, 2087, 'Jordan Harris Interview', 'Comp', 0, 3, 1401478175, 1398355022, 1398315600, 1403586000, 'WhitePages PRO''s Tom Donlea interviews interviews Jordan Harris of Fandango', 'WhitePages PRO director of risk services Tom Donlea speaks with merchant and retailer experts around the country in a video series called The Re-Tales. In this video, which was recorded in Las Vegas at the 2014 Merchant Risk Council''s E-Commerce Payments and Risk Conference, Tom chats with Jordan Harris of Fandango on his thoughts as an online merchant on fraud, risk, and payments. \r\n', '', NULL, 0),
(23, 413, 12844, 2088, 'Jamon Whitehead Interview', 'Comp', 0, 3, 1401478075, 1398355104, 1398315600, 1403586000, 'WhitePages PRO''s Tom Donlea interviews Jamon Whitehead of Backcountry.com', 'WhitePages PRO director of risk services Tom Donlea speaks with merchant and retailer experts around the country in a video series called The Re-Tales. In this video, which was recorded in Las Vegas at the 2014 Merchant Risk Council''s E-Commerce Payments and Risk Conference, Tom chats with Jamon Whitehead of Backcountry.com on his thoughts as an online merchant on fraud, risk, and payments. ', '', NULL, 0),
(24, 413, 12844, 2089, 'Melissa McBee Anderson Interview', 'Comp', 0, 3, 1401478164, 1398355173, 1398315600, 1403586000, 'WhitePages PRO''s Tom Donlea interviews Melissa McBee Anderson of Federal Bureau of Investigation Internet Crime Complaint Center', 'WhitePages PRO director of risk services Tom Donlea speaks with merchant and retailer experts around the country in a video series called The Re-Tales. In this video, which was recorded in Las Vegas at the 2014 Merchant Risk Council''s E-Commerce Payments and Risk Conference, Tom chats with Melissa McBee Anderson of the Federal Bureau of Investigation Internet Crime Complaint Center on fraud, risk, and payments as a government institution.', '', NULL, 0),
(25, 413, 12844, 2090, 'Art Chu Interview', 'Comp', 0, 3, 1401478146, 1398355240, 1398315600, 1403586000, 'WhitePages PRO''s Tom Donlea interviews Art Chu of Nexon', 'WhitePages PRO director of risk services Tom Donlea speaks with merchant and retailer experts around the country in a video series called The Re-Tales. In this video, which was recorded in Las Vegas at the 2014 Merchant Risk Council''s E-Commerce Payments and Risk Conference, Tom chats with Art Chu of Nexon on his thoughts as an online gaming publisher on fraud, risk, and payments. ', '', NULL, 0),
(26, 29, 12786, 1930, 'Get to Know Groovv POS', 'Tier 1', 0, 3, 1420135899, 1399481899, 1398920400, 1422770400, 'See all the great things that Groovv POS, payment processing and marketing solutions can do for retailers and restaurants everywhere.', 'Groovv is a powerfully simple point of sale, payment processing and social and mobile marketing solution from Total Merchant Services, built for the needs of small retail and restaurant businesses. This video shows how Groovv makes it easy for merchants to grow and manage their businesses more successfully than ever before.', '', NULL, 0),
(27, 29, 12854, 2103, 'Groovv: Powerfully Simple POS', 'Tier 1', 0, 3, 1420135924, 1399482303, 1398920400, 1422770400, 'See just how easy it is for merchants to set up and get started with Groovv.', 'Groovv, from Total Merchant Services, includes mobile, tablet and all-in-one payment processing and POS solutions and mobile and social marketing tools that couldn''t be simpler for merchants. This video shows just how easy Groovv makes it to get set up and get started bringing in more business and making more sales at the counter, on the floor or on the go.', '', NULL, 0),
(28, 40, 12653, 1453, 'VeriFone GlobalBay Merchant', 'Tier 1', 0, 3, 1404237291, 1400799700, 1391234400, 1420092000, 'Today''s merchants are looking to go mobile to meet the needs of today''s savvy shoppers and compete with larger brick-and-morter retailers.', 'Today''s merchants are looking to go mobile to meet the needs of today''s savvy shoppers and compete with larger brick-and-morter retailers. ', '', NULL, 0),
(29, 20, 12727, 1774, 'Agent Phone Swipe', 'Tier 1', 0, 3, 1401478030, 1401467237, 1388556000, 1414818000, 'Want to transform your career? Transform your merchants'' smartphones and tablets into mobile credit card terminals with Phone Swipe.', 'Partner with Phone Swipe and help take your merchants'' businesses to exciting new places. They''ll get to accept credit cards wherever, whenever. You''ll get everything you need to maximize your profitability including flexible pricing options, all card brands at one low rate, next day funding and the free app and card reader.', NULL, 16, 0),
(30, 20, 12872, 2156, 'Agent', 'Video', 0, 3, 1401478044, 1401467291, 1401467291, 1414818000, 'Want a $3,000.00 signing bonus plus up to $1,000.00 on every deal? Become a North American Bancard Sales Partner today.', 'Join the industry leader with our customized lifetime residual program. You''ll receive a $3,000 signing bonus and $1,000 additional bonus on every deal. Offer your merchants the guaranteed lowest rates, free equipment, mobile processing, and no cancellation fees. Stay competitive and be more profitable with North American Bancard.', NULL, 17, 0),
(31, 3, 12889, 2231, 'Alpha Card Credit Card Processing', 'Video', 0, 3, 1405706725, 1403904148, 1404190800, 1410903424, 'See how Alphie solves his restaurant''s credit card processing issues with Alpha Card''s Merchant Services program.', 'See how Alphie solves his restaurant''s credit card processing issues with Alpha Card''s Merchant Services program.  For more information, visit <a href=''http://www.thealphaedge.com/getsticky/'' target=''_blank''>www.thealphaedge.com/getsticky</a>. ', '<iframe width="640" height="360" src="//www.youtube.com/embed/QkDfmI6qOls" allowfullscreen></iframe>\r\n\r\n ', NULL, 1),
(32, 29, 12786, 1931, 'Get to Know Groovv POS', 'Tier 1', 0, 3, 1404235843, 1404235654, 1404190800, 1406869200, 'See all the great things that Groovv POS, payment processing and marketing solutions can do for retailers and restaurants everywhere.', 'Groovv is a powerfully simple point of sale, payment processing and social and mobile marketing solution from Total Merchant Services, built for the needs of small retail and restaurant businesses. This video shows how Groovv makes it easy for merchants to grow and manage their businesses more successfully than ever before.', NULL, 26, 0),
(33, 3, 12889, 2231, 'Alpha POS Video', 'Video', 0, 3, 1425438449, 1405706370, 1405659600, 1427864400, 'See how Alphie transforms his restaurant''s operations with an Alpha POS system.', 'See how Alphie transforms his restaurant''s operations with an Alpha POS system.  For more information, visit <a href=''http://www.thealphaedge.com/getsticky/'' target=''_blank''>www.thealphaedge.com/getsticky/.</a>', '<iframe width="640" height="360" src="//www.youtube.com/embed/r_jWLfnlETQ" frameborder="0" allowfullscreen></iframe>', NULL, 1),
(34, 3, 12889, 2231, 'Alpha Payroll', 'Video', 0, 3, 1423070674, 1406869200, 1406869200, 1425189600, 'See how Alphie corrects his payroll issues with Alpha Card''s Payroll Services program.', 'See how Alphie corrects his payroll issues with Alpha Card''s Payroll Services program.  For more information, visit <a href=''http://www.thealphaedge.com/getsticky/''>http://www.thealphaedge.com/getsticky/</a>. ', '<iframe width="640" height="360" src="//www.youtube.com/embed/H_e6LApXgyY" frameborder="0" allowfullscreen></iframe>\r\n', NULL, 1),
(35, 413, 12906, 2292, '"RE-TALES" - Tom Donlea and Crutchfield''s Anne Fields', 'Comp', 0, 3, 1407171235, 1407171235, 1407128400, 1412398800, '"RE-TALES" - Tom Donlea and Crutchfield''s Anne Fields', 'In this episode of "RE-TALES" WhitePagesPRO''s Tom Donlea talks with Anne Fields from Crutchfield at the CNP Conference and Expo about the trends in payment fraud.', '<iframe width="640" height="360" src="//www.youtube.com/embed/YmMMsyvjtaU" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(36, 413, 12906, 2295, '"RE-TALES" - Tom Donlea and Glenbrook Partners'' George Peabody', 'Comp', 0, 3, 1407171340, 1407171340, 1407128400, 1412398800, '"RE-TALES" - Tom Donlea and Glenbrook Partners'' George Peabody', 'In this episode of "RE-TALES" WhitePagesPRO''s Tom Donlea talks with George Peabody from Glenbrook Partners at the CNP Conference and Expo about the trends in payment fraud.', '<iframe width="640" height="360" src="//www.youtube.com/embed/RBxaTpyqtIc" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(37, 413, 12906, 2293, '"RE-TALES" - Tom Donlea and Reed''s Jewelers'' Mark deCausemeaker', 'Comp', 0, 3, 1407171416, 1407171416, 1407128400, 1412398800, '"RE-TALES" - Tom Donlea and Reed''s Jewelers'' Mark deCausemeaker', 'In this episode of "RE-TALES" WhitePagesPRO''s Tom Donlea talks with Mark deCausemeaker from Reed''s Jewelers at the CNP Conference and Expo about the trends in payment fraud.', '<iframe width="640" height="360" src="//www.youtube.com/embed/Ghp5CDBDyuY" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(38, 413, 12906, 2297, '"RE-TALES" - Tom Donlea and Rhapsody''s  Scott Engel', 'Comp', 0, 3, 1407171520, 1407171520, 1407128400, 1412398800, '"RE-TALES" - Tom Donlea and Rhapsody''s  Scott Engel', 'In this episode of "RE-TALES" WhitePagesPRO''s Tom Donlea talks with Scott Engel from Rhapsody at the CNP Conference and Expo about the trends in payment fraud.', '<iframe width="640" height="360" src="//www.youtube.com/embed/v6nq559upAw" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(39, 413, 12906, 2294, '"RE-TALES" - Tom Donlea and Spreedly''s Justin Benson', 'Comp', 0, 3, 1407171591, 1407171591, 1407128400, 1412398800, '"RE-TALES" - Tom Donlea and Spreedly''s Justin Benson', 'In this episode of "RE-TALES" WhitePagesPRO''s Tom Donlea talks with Justin Benson from Spreedly at the CNP Conference and Expo about the trends in payment fraud.', '<iframe width="640" height="360" src="//www.youtube.com/embed/eW8T94qujvg" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(40, 413, 12906, 2296, '"RE-TALES" - Tom Donlea and ZNAP''s David Pipe', 'Comp', 0, 3, 1407171698, 1407171698, 1407128400, 1412398800, '"RE-TALES" - Tom Donlea and ZNAP''s David Pipe', 'In this episode of "RE-TALES" WhitePagesPRO''s Tom Donlea talks with David Pipe from ZNAP at the CNP Conference and Expo about the trends in payment fraud.', '<iframe width="640" height="360" src="//www.youtube.com/embed/9dvFWlHG6n4" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(41, 3, 12889, 2231, 'Alpha Merchant Cash Advance', 'Video', 0, 3, 1430589173, 1408205833, 1408165200, 1433134800, 'See how Alphie solves his cash flow issues with Alpha Card''s Merchant Cash Advance and Working Capital program.', 'See how Alphie solves his cash flow issues with Alpha Card''s Merchant Cash Advance and Working Capital program.  For more information, visit <a href='' http://www.thealphaedge.com/getsticky/'' target=''_blank''>http://www.thealphaedge.com/getsticky/</a>. ', '<iframe width="640" height="360" src="//www.youtube.com/embed/psNPVFxmIFc" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(42, 3, 12885, 2230, 'Alpha Card Credit Card Processing', 'Video', 0, 3, 1427946556, 1416322094, 1414818000, 1430456400, 'See how Alphie solves his restaurant''s credit card processing issues with Alpha Card''s Merchant Services program.', 'See how Alphie solves his restaurant''s credit card processing issues with Alpha Card''s Merchant Services program.  For more information, visit <a href=''http://www.thealphaedge.com/getsticky/'' target=''_blank''>www.thealphaedge.com/getsticky</a>. ', '<iframe width="640" height="360" src="//www.youtube.com/embed/QkDfmI6qOls" allowfullscreen></iframe>\r\n', 31, 0),
(43, 59, 0, 0, 'On-Demand Webinar: What is EMV and What Does It Mean to You?', 'Video', 0, 3, 1433356748, 1433356748, 0, 0, 'Join Cayan and the ETA for an session explaining all things EMV.', 'Join Cayan and the ETA for an session explaining all things EMV.', '<iframe width="560" height="315" src="https://www.youtube.com/embed/88ZQDr8E-Cs" frameborder="0" allowfullscreen></iframe>', NULL, 1),
(44, 59, 0, 0, 'Accepting Apple Pay with Cayan''s Genius', 'Video', 0, 3, 1433356834, 1433356834, 0, 0, 'A video demonstration on how new and existing businesses can leverage the Genius Customer Engagement Platform by Cayan to quickly begin accepting new payment technologies such as ApplePay at the point of sale.', 'A video demonstration on how new and existing businesses can leverage the Genius Customer Engagement Platform by Cayan to quickly begin accepting new payment technologies such as ApplePay at the point of sale.', '<iframe width="560" height="315" src="https://www.youtube.com/embed/WocSRCb-l8w" frameborder="0" allowfullscreen></iframe>', NULL, 1),
(45, 59, 0, 0, 'The Genius Customer Engagement Platform', 'Video', 0, 3, 1433356899, 1433356899, 0, 0, 'The Genius Customer Engagement Platform by Cayan is a solution that evolves with your business. It''s designed to scale for the future, offering complete access and scalability to support your business as it grows.', 'The Genius Customer Engagement Platform by Cayan is a solution that evolves with your business. It''s designed to scale for the future, offering complete access and scalability to support your business as it grows.', '<iframe width="560" height="315" src="https://www.youtube.com/embed/KpK-HGAsTQQ" frameborder="0" allowfullscreen></iframe>', NULL, 1),
(46, 496, 0, 0, 'OptBlue Program', 'Video', 0, 3, 1434141619, 1434141619, 0, 0, 'Want to learn your potential for earning more with The OptBlue® Program from American Express?  See how a 1-hour online training course can help you and your Merchants get the most out of the program.', 'Want to learn your potential for earning more with The OptBlue® Program from American Express?  See how a 1-hour online training course can help you and your Merchants get the most out of the program.', '', NULL, 1),
(47, 131, 0, 0, 'EMV Video', 'Video', 0, 3, 1434672994, 1434672994, 0, 0, 'Moneris Solution''s Chief Product and Marketing Officer, Rob Cameron, takes a few minutes at Transact15, powered by the Electronic Transactions Association, to answer questions from Marla Ellerman of Mobile Marketing & Technology about Moneris and the EMV transition in the United States. ', 'Moneris Solution''s Chief Product and Marketing Officer, Rob Cameron, takes a few minutes at Transact15, powered by the Electronic Transactions Association, to answer questions from Marla Ellerman of Mobile Marketing & Technology about Moneris and the EMV transition in the United States. ', '<iframe width="560" height="315" src="https://www.youtube.com/embed/NaOMC0p-DXw" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(48, 131, 0, 0, 'EMV and what it means', 'Video', 0, 3, 1435071399, 1435071399, 0, 0, 'The switch to EMV can create many questions. Sage Payment Solutions has the experience and the know-how to advise businesses as they navigate the uncharted waters of this important transition.', 'The switch to EMV can create many questions. Sage Payment Solutions has the experience and the know-how to advise businesses as they navigate the uncharted waters of this important transition.\r\n\r\nWatch Joseph Smutz, Director of Product Integration at Sage, talk about the benefits of EMV, the October 2015 EMV liability shift, and what it all means to your business.', '<iframe width="560" height="315" src="https://www.youtube.com/embed/9WwT9wyBFKs" frameborder="0" allowfullscreen></iframe>', NULL, 0),
(49, 539, 0, 0, 'Compliance Maker Express', 'Video', 0, 3, 1438707402, 1438707402, 0, 0, 'ComplianceMaker Express Overview', 'Sysnet’s PCI solution, ComplianceMaker Express, enables ISO''s to provide their merchants with a fully branded PCI portal for only $1.00 per merchant, per month – providing a significant revenue generation opportunity!', '<iframe src="https://player.vimeo.com/video/134210313" width="500" height="313" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe> <p><a href="https://vimeo.com/134210313">ComplianceMaker Express Overview</a> from <a href="https://vimeo.com/sysnetgs">Sysnet Global Solutions</a> on <a href="https://vimeo.com">Vimeo</a>.</p> <p>Sysnet&rsquo;s PCI solution, ComplianceMaker Express, enables ISO&#039;s to provide their merchants with a fully branded PCI portal for only $1.00 per merchant, per month &ndash; providing a significant revenue generation opportunity!</p>', NULL, 1),
(50, 539, 0, 0, 'Dealing with an account data compromise', 'Video', 0, 3, 1438707498, 1438707498, 0, 0, 'Dealing with an account data compromise - US', 'Dealing with an account data compromise - US', '<iframe src="https://player.vimeo.com/video/134958811" width="500" height="281" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe> <p><a href="https://vimeo.com/134958811">Dealing with an account data compromise - US</a> from <a href="https://vimeo.com/sysnetgs">Sysnet Global Solutions</a> on <a href="https://vimeo.com">Vimeo</a>.</p>', NULL, 1),
(51, 539, 0, 0, 'What’s the real cost of a data breach', 'Video', 0, 3, 1438707564, 1438707564, 0, 0, 'What’s the real cost of a data breach - US', 'What’s the real cost of a data breach - US', '<iframe src="https://player.vimeo.com/video/134958810" width="500" height="281" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe> <p><a href="https://vimeo.com/134958810">What&rsquo;s the real cost of a data breach - US</a> from <a href="https://vimeo.com/sysnetgs">Sysnet Global Solutions</a> on <a href="https://vimeo.com">Vimeo</a>.</p>', NULL, 1),
(52, 539, 0, 0, 'Getting started with PCI DSS', 'Video', 0, 3, 1438707619, 1438707619, 0, 0, 'Getting Started With PCI DSS - US', 'Getting Started With PCI DSS - US', '<iframe src="https://player.vimeo.com/video/134958812" width="500" height="281" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe> <p><a href="https://vimeo.com/134958812">Getting Started With PCI DSS - US</a> from <a href="https://vimeo.com/sysnetgs">Sysnet Global Solutions</a> on <a href="https://vimeo.com">Vimeo</a>.</p>', NULL, 1),
(53, 539, 0, 0, 'Making customer data safe as houses', 'Video', 0, 3, 1438707683, 1438707683, 0, 0, 'Making customer data safe as houses - US', 'Making customer data safe as houses - US', '<iframe src="https://player.vimeo.com/video/134958809" width="500" height="281" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe> <p><a href="https://vimeo.com/134958809">Making customer data safe as houses - US</a> from <a href="https://vimeo.com/sysnetgs">Sysnet Global Solutions</a> on <a href="https://vimeo.com">Vimeo</a>.</p>', NULL, 1),
(54, 539, 0, 0, 'Why Sysnet Global Solutions', 'Video', 0, 3, 1438707757, 1438707757, 0, 0, 'Why Sysnet Global Solutions', 'Why Sysnet Global Solutions', '<iframe src="https://player.vimeo.com/video/95951048" width="500" height="281" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe> <p><a href="https://vimeo.com/95951048">Sysnet GS</a> from <a href="https://vimeo.com/sysnetgs">Sysnet Global Solutions</a> on <a href="https://vimeo.com">Vimeo</a>.</p>', NULL, 1),
(55, 185, 0, 0, 'Echo POS Sales Video', 'Video', 0, 3, 1460662204, 1460662204, 0, 0, '', '', '<iframe src="https://player.vimeo.com/video/119891265?title=0&byline=0&portrait=0" width="500" height="281" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>\r\n<p><a href="https://vimeo.com/119891265">Echo POS Sales Video</a> from <a href="https://vimeo.com/harbortouch">Harbortouch POS</a> on <a href="https://vimeo.com">Vimeo</a>.</p>', NULL, 1),
(56, 185, 0, 0, 'Elite POS Sales Video', 'Video', 0, 3, 1461701944, 1460662294, 0, 0, '', '', '<iframe src="https://player.vimeo.com/video/127867458?title=0&byline=0&portrait=0" width="500" height="281" frameborder="0" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>\r\n<p><a href="https://vimeo.com/127867458">Elite POS Sales Video</a> from <a href="https://vimeo.com/harbortouch">Harbortouch POS</a> on <a href="https://vimeo.com">Vimeo</a>.</p>', NULL, 1);

-- --------------------------------------------------------

--
-- Table structure for table `video_lengths`
--

CREATE TABLE IF NOT EXISTS `video_lengths` (
  `id` varchar(10) NOT NULL,
  `length` int(4) NOT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=latin1;

--
-- Dumping data for table `video_lengths`
--

INSERT INTO `video_lengths` (`id`, `length`) VALUES
('Tier 1', 900),
('Tier 2', 150),
('Tier 3', 90),
('Tier 4', 45);

-- --------------------------------------------------------

--
-- Table structure for table `video_links`
--

CREATE TABLE IF NOT EXISTS `video_links` (
  `id` int(8) NOT NULL AUTO_INCREMENT,
  `video_id` int(8) NOT NULL,
  `description` varchar(255) DEFAULT NULL,
  `link` varchar(255) DEFAULT NULL,
  PRIMARY KEY (`id`),
  KEY `video_id` (`video_id`)
) ENGINE=MyISAM  DEFAULT CHARSET=latin1 AUTO_INCREMENT=19 ;

--
-- Dumping data for table `video_links`
--

INSERT INTO `video_links` (`id`, `video_id`, `description`, `link`) VALUES
(1, 2, 'Add my name to the PCI SSC mailing list', 'https://www.pcisecuritystandards.org/addme/'),
(2, 5, 'Add my name to the PCI SSC mailing list', 'https://www.pcisecuritystandards.org/addme/'),
(3, 3, 'Add my name to the PCI SSC mailing list', 'https://www.pcisecuritystandards.org/addme/'),
(4, 4, 'Add my name to the PCI SSC mailing list', 'https://www.pcisecuritystandards.org/addme/'),
(5, 18, 'For more information, Click here', 'http://www.gonab.com/support'),
(6, 17, 'For more information, click here.', 'http://www.gonab.com/agentvideo'),
(7, 16, 'For more information, click here.', 'http://www.gonab.com/psvideo'),
(11, 19, 'Questions, please contact kylem@elgleasing.com', 'http://www.elgleasing.com/'),
(10, 19, 'For more information:', 'http://www.elgleasing.com/'),
(12, 29, 'Click for more information:', 'http://www.gonab.com/psvideo'),
(13, 30, 'More Information', 'http://www.gonab.com/agentvideo'),
(15, 31, 'For more information', 'http://www.thealphaedge.com/getsticky/'),
(16, 33, 'For more information:', 'http://www.thealphaedge.com/getsticky/'),
(17, 41, 'For more information:', 'http://www.thealphaedge.com/getsticky/');
