E-Commerce Business Owners: How to Save on Your Merchant Account Services

E-Commerce Business Owners: How to Save on Your Merchant Account Services

Understanding your bill and identifying areas of cost savings

Now more than ever, examining where you can achieve cost savings quickly is critical.

One area e-commerce businesses can consider? Your merchant account services fees. 

Examining your monthly bill can feel overwhelming (like looking at your monthly cable bill): undefined line items of charges with little explanation of what you're really paying for. 

The M.O.M. Helpers Team wanted to provide a short series to educate e-commerce business owners so you can better take control and weigh potential cost savings.


Payment Gateway

What is it?

A payment gateway acts as an intermediary between your M.O.M. system and all the banking systems. This is a seamless process and your CSR's do not interact (or manually re-enter credit card information) with the gateway. The credit card and customer details are submitted from M.O.M. via the gateway, which securely sends the information through the relevant financial networks to the merchant account, encrypting sensitive data, such as cardholder information and credit card numbers. 

How does it work?

To accept credit and debit cards online through your M.O.M. system you need both a secure payment gateway (Authorize.Net) and a merchant account.

  •   Customer places order with your CSRs and pays by debit or credit card
  •   Payment details sent to the merchant account via secure payment gateway
  •   Merchant account processes payment
  •   Once the payment is approved the information is sent back via payment gateway.
  •   Customer notified that payment has been successful (or not)
  •   Funds settled into your bank account


Transaction Fees

What is it?

A transaction is an individual entry sent through the gateway (securely) to be processed.     

How does it work?

Bank card issuing associations receive the transaction and accept or decline the charge and communicate the results and details as a response for the M.O.M. system to record.  

Per Transaction

The transaction fee is a contribution for the convenience of accepting credit card payments, a gateway fee pays for the use of the infrastructure to receive payment information, request authorization from the customer's bank, transmit the authorization information to the merchant and to facilitate payment of the merchant.   

Percentage

A percentage of the sale for the use of their cards and this amount is referred to as a transaction fee. The percentage paid by the merchant may vary depending on the monthly sales volume, the average sale size and whether a transaction is processed with or without the card being physically present.

The transaction fee is a contribution for the convenience of accepting credit card payments, a gateway fee pays for the use of the infrastructure to receive payment information, request authorization from the customer's bank, transmit the authorization information to the merchant and to facilitate payment of the merchant.  

 

Payment Card Industry Data Security Standard (PCI DSS) 

What is it?

The Payment Card Industry Data Security Standard (PCI DSS) is a set of security standards designed to ensure that ALL companies that accept, process, store or transmit credit card information maintain a secure environment. 

The PCI Security Standards Council (SSC) defines 'cardholder data' as the full Primary Account Number (PAN) or the full PAN along with any of the following elements:

  •   Cardholder name
  •   Expiration date
  •   Service code

How does it work?

M.O.M. as a payment application stores, processes and transmits card data electronically to facilitate the transactions for your business.  It protects your customers' confidential payment details while allowing you to process their payment securely.

It is important that the system is secure and protected from intrusive activities.


M.O.M. Helpers' Ability

M.O.M. Helpers Card Services will lower your costs.

The merchant bank allows you to accept credit card payments --  Visa/Mastercard/AMEX/Discover.  They also take the daily settled (captured) transactions and deposit them into your checking account.

Merchant accounts charge a variety of % against your sales volumes, per transaction fees, per authorization fees, and monthly fees.

We also have the ability to offer you a full review of your merchant account and replace that bank that may be charging excessive fees and replace it with a bank that would simplify the fee process as well as offer direct support to assist with everyday Credit Card processing questions.  The process keeps the Authorize.net gateway fully operational in M.O.M. and in your Shopping Cart. while directly reducing the monthly fees, the % against sales, and the per transaction fees.  This process takes about an hour to complete and you can be operational in 24-48 hours.

We have the ability to keep this account fully operational in M.O.M. and in your Shopping Cart. while directly reducing both the monthly and per transaction fees.  This process takes 5 minutes of review and a quick signature on a form where you agree to pay lower fees.

We have the ability to replace the Merchant bank for you and to reduce or eliminate what can sometimes be a large variety of excessive fees that you are paying today.   This process takes about an hour to complete and you can be operational in 24-48 hours.

M.O.M. Helpers Cloud is PCI Compliant and Secure

The M.O.M. Helpers Cloud is a proprietary hosting environment to host your M.O.M. system for use from anywhere with internet access.  It is PCI Compliant.  

The M.O.M. Helpers Cloud is PCI DSS compliant and scanned regularly to ensure that we are keeping your M.O.M. system secure.

We secure any version of M.O.M.  

You don't have to upgrade or change software to protect your cardholder data. This ensures that you don't have to worry about PCI Compliance.

It is quick, easy, and inexpensive.

Learn more about solutions specific to your business by visiting us at momhelpers.com or by emailing me at bbanko@momhelpers.com.



Dear MOM Helpers Community,

Just like always, we will answer calls -- no delays, no stress.

We are experiencing unique times. The coronavirus pandemic is impacting everyone from our families, to our businesses, to our healthcare responders who are bravely on the front lines. As the situation continues, we wanted to reach out and update you on our efforts that support you - our clients and future clients.

Our thoughts are with those affected by the virus, particularly those who are sick. We wish them a speedy recovery, and we remain profoundly appreciative for our healthcare workers and those caring for anyone impacted by this pandemic.

Supporting Our Clients and Staff

MOM Helpers staff is safe and has been working from home to assist clients for almost 20 yrs. For this reason, your experience with us will continue to be familiar, comfortable in providing excellent and responsive service in these unsettling times.

To our clients already on the MOM Helpers Cloud, they can easily work from home or anywhere. MOM Helpers Cloud is ready for this and easily adapts to your adjusting business needs. You don't have to worry about M.O.M. as you move to a work from home and social distancing. Your staff will be safe and able to work just as they have for years at the office -- but, now from anywhere. And, they can help service your customers from anywhere, easily.

To protect staff and simplify your work from home option, the MOM Helpers Cloud makes it easy. Your staff can use their home computers (devices) to continue to work on M.O.M. Nothing new. Same M.O.M. system. It's just better and works from anywhere. Your staff can be ready in 10 min. or less. and taking care of your customers and business from anywhere.

It helps everyone. This ability to move staff off-site also helps protect and reduce social interactions for the limited staff that need to be at your location like warehouse and shipping team members. Those jobs can only be done onsite and their safety and use of M.O.M. is excellent via the MOM Helpers Cloud, too.

Helping Everyone

We are promoting responsibility within our community by promoting the "Do the Five" campaign to raise awareness of simple measures people can take to slow the spread of the disease.

Please encourage your community to do their part in helping to slow the spread of the coronavirus

Ensuring Uptime

We understand the importance of keeping all of your systems up-and-running during this time. The MOM Helpers Cloud was built to protect our clients M.O.M. system from disruptions and for flexibility. It was designed to protect and sustain your system -- even in catastrophic circumstances.

One of our early clients was impacted by a hurricane tragedy. The office was flooded, M.O.M. server and systems all destroyed. We took their backup and had them on the MOM Helpers Cloud in 3 days. They worked from a local WiFi hot-spot for several weeks until they could relocate and restock their inventory. But, there was minimal impact to their customers -- a Win/Win.

A final thought, we also know that, for many businesses, this time has meant even more disruption to their operation, with extreme swings in customer demand and stress on certain channels. The MOM Helpers Cloud is flexible and can accommodate and adjust to the number of users quickly so that you can adjust quickly, too.

Please find below a set of FAQs on our readiness to support our clients during this period. We are here for you, and we'll continue to keep you updated and informed.
Sincerely,
The MOM Helpers Team

FAQs (Frequently-Asked Questions):

Q: What is MOM Helpers doing to monitor the situation?
A: We are following the developments related to the coronavirus as communicated by trusted information sources such as the WHO and CDC. We hope that our community will continue to stay informed, too.

Q: How is client support being handled in regions where employees aren't working from the office?
A: MOM Helpers has been a work from home business for almost 20 yrs. For this reason, reaching us from anywhere does not change -- same phone (941) 404-6441, email: info@momhelpers.com, and website: MOM Helpers. We will answer your calls -- no delays, no waiting, no stress, and get clients back to work, just like always.

Q: Will there be delays in certain cloud services or support resolutions?
A: No delays. No uncertainty with the MOM Helpers Cloud. We expect a consistent, reliable, and unchanged excellent experience for our clients.

Q: Should we expect any disruptions, downtime, or latency in regions affected by the virus?
A: No. We expect no changes, no disruptions, no downtime, and no latency for our clients and users. And, we will continue to keep our clients updated.

Q: What is MOM Helpers doing to ensure that we have sufficient capacity as customers move to MOM Helpers Cloud?
A: As more customers begin working remotely in response to COVID-19, MOM Helpers is expanding and isolating our services. We are committed to helping distributed employees connect virtually using MOM Helpers Cloud. In order to accommodate increased usage, we have substantially increased capacity and we are monitoring usage 24x7 with redundancy, dynamic automatic intelligent adjustments built-in to ensure capacity needs are met.

Q: How can you stay informed about MOM Helpers services and options?
A: Click here to sign up and subscribe to our email list.

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MOM HELPERS CLOUD SERVICES

MOM Helpers Cloud is a new type of approach to managing your business and not your software. The cloud is designed to help you get things done faster and easier.

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CUSTOMIZATION

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SUPPORT

By providing help through expert training, technical support and customization our customers operate more efficiently and at very low cost. Our success is measured in the loyalty and value our clients place in the unbiased and experienced guidance we share with their organizations. This relationship transforms their business operations and our full-service approach ensures success for our clients.

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TRAINING

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SETUP

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