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A Short History of Credit Card Processing

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For well over a century, the concept of purchasing on credit has existed in the American marketplace. It began in the late 1800s with consumers using credit coins and charge plates to purchase goods. Credit card processing as we know it today, however, didn’t enter the mix until much later.

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Banks Lagging Behind on Chip-and-PIN Cards

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More than six months after Visa® and MasterCard® unveiled their roadmaps for accelerating the migration to chip-and-PIN credit cards in the United States, issuing banks have been a little slow off the blocks to make the cards available to consumers. Sometimes called EMV cards, they are expected to transform credit card processing in this country once they’re widely available.

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AVS, CVM and Their Role in Credit Card Processing

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AVS and CVM are two very important acronyms to know when discussing credit card processing. That’s because they’re related to keeping the process secure for merchants and their customers in a time when:

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U.S. Credit Card Processing in the Post-EMV Era

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Now that both Visa® and MasterCard® have set April 2013 as the target date for the support system for EMV cards to be up and running in the U.S., a lot of people may be wondering what effect it’ll have on credit card processing here. No one knows for sure how the transition from magnetic stripe to chip-and-PIN will go, but no one is predicting a disaster scenario of Biblical (or even Y2K) proportions.

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Marketing Your Small Business for the Holidays — TransFirst®

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The holiday campaign for your small business should be memorable and effective, integrating your social media marketing and mobile efforts with a consistent message across all channels, according to entrepreneur Michael Tasner, writing recently for The Huffington Post.

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