Clover POS Invoicing & Virtual Terminal

March 16, 2022 | 13 views

Clover POS Invoicing
No physical Clover POS device? No problem! Never miss a sale again with the Clover Virtual Terminal.

The Clover Virtual terminal allows you to process payments at your convenience from wherever you are, no terminal necessary. All you need is a phone, tablet, or computer and you will have access to your business anytime, anywhere.

Through the Clover Virtual Terminal you can accept both credit and debit card payments safely and securely with Clover’s PCI compliant environment and end-to-end encryption. Unlike other virtual payment platforms, there are no additional monthly fees or crazy high processing rates with the Clover Virtual Terminal, transactions are charged at the keyed-in rate.

Some of the other useful features and benefits of using the Clover Virtual Terminal are:
  • Request customer payments by email and allow customers to pay you by credit or debit card online.
  • Take care of all incoming payments: in-store orders, mail or telephone orders, or invoices.
  • Send digital receipts via email.
  • Store your regular customers’ card information securely for faster transactions.
  • Protect against fraud with address verification service (AVS) and card verification value (CVV).
  • Another way to streamline your payments and get help you get your money faster using your Clover Virtual Terminal is the easy and convenient Clover Invoicing.

As a business owner, you already have a lot on your plate. Chasing customers for payment shouldn’t be one of them. Using Clover Invoicing makes the payment process smooth and painless! Your customers will receive their invoice by email, which provides them with a link to a hosted checkout page for a convenient way to pay by card – from the comfort of home.

In addition, Clover invoicing will enhance your record keeping by allowing you to keep track of all of your sent invoices and payments received in the Clover Dashboard and eliminating unnecessary paper clutter.

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POS RETAIL

POS System Essential for Omnichannel Retail

Article | June 9, 2022

“Software-led payments is more than just ecommerce or online invoicing, as many software platforms are starting to offer solutions for card present transactions.” - Caleb Avery, CEO of Tilled The omnichannel retail marketplace has been witnessing a surge in recent years. A buyer has a natural tendency to check the details of the products or services on the internet. But a single purchase may involve different channels like apps, websites, store walk-ins, etc. For example, a customer may conduct online research and purchase an item before picking it up from a retail store; or, conversely, he may go to a nearby mall and inspect the product first before purchasing it online. Therefore, retailing has become increasingly about providing multi-channel or cross-channel experiences to customers. If the merchant misses out on his goods being offered on any channel, it will harm the customer experience (CX). In such a circumstance, deploying a POS system built for multi-site store networks that takes care of the maintenance of the website and all the locations in the chain simultaneously is a blessing for the retail sector. The point of sale is now an important part of an eCommerce plan for a business and a key part of its ongoing marketing strategy. Drive Loyalty and Sales Using Your Omnichannel POS A retailer's point of sale is the hub of every business action, wherein sales, marketing, inventory, customer management and customer service merge. But what many still don't realize is its powerful role in unlocking customer loyalty and higher revenue. With a modern and adaptable point-of-sale system, lengthy transaction times are minimized and may be boosted while simultaneously processing more consumers, enhancing the customer experience. Your omnichannel POS should permit the configuration of several payment methods. Customers can choose various payment methods, such as credit cards, digital wallets, PayPal, and cash. POS data should be utilized in all company decisions in today's society. Additionally, POS data is essential for merchandise planning. For example, if a product is not selling quickly enough, sell-through and sales-by-margin analytics can influence your pricing decisions and allow you to adjust accordingly. A common misconception about POS is that it is only a point of contact between your clients and your business. However, when its tremendous capabilities are utilized, it becomes a tool that helps you understand your clients, enhance their experience, and guarantee you are prepared to meet their demands. Importance of Using POS and Ecommerce Integration Combining CRM and POS software enables staff members to review and update client information instantly. You can develop new sales methods based on customers' interests and previous purchases. The omnichannel point of sale integrates with Tally, Quickbooks, etc. You may export order receipts from all channels directly. With omnichannel POS, your firm is accessible to customers 24 hours a day. Customers can purchase at one store and receive delivery from another, as well as other choices designed to improve the shopping experience. A retail eCommerce platform with seamless integration benefits both businesses and customers. Bottom Line Innovation in omnichannel retailing and investment in the POS system's digitization helps track and fulfill online, and offline customer needs. It goes without saying that the future of POS and retail are closely intertwined. In the coming years, POS will see a radical shift. Now is the optimal time for laggards to catch up or risk falling behind.

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POS RETAIL

A pivot to customer and supporting the shopping journeys

Article | December 23, 2021

ABC Fine Wine & SpiritsOracle Retail Cross Talk is our favorite event of the year. Across the 2.5 days, we create authentic connections across our retail community so you can learn from each other. We recruit 25-30 global retailers to share their experiences in case studies, panel discussions, or fireside chats. We are thrilled to host a panel discussion with ABC Fine Wine & Spirits and Estee Lauder. Delivering a great omnichannel retail experience takes the right people, process, and technology to earn shopper loyalty by offering engaging and seamless experiences across more than 70 unique customer journeys. Widespread curbside pick-up, flexible store environments, buy online, pick-up in-store (BOPIS) protocols–these new norms have dramatically accelerated in-store adaptation and innovation. As brands dive deeper for new ways to maximize the customer experience—and adapt to the rapidly changing world—they must lean into agile technology. Join this discussion to hear how ABC Fine Wine & Spirits and Estee Lauder are tackling today’s challenges and planning for the future. Estee Lauder Platform Discussion: Stores and Omnichannel As customers continue to evolve the omnichannel retail journey, you can provide them with engaging, seamless experiences while refining operations across point-of-service, ecommerce, and order management systems. Join us at Cross Talk to learn how Oracle Retail’s omnichannel modern retail solutions bridge the productivity gaps between the online and traditional point-of-sale functionality, improve store associate effectiveness, increase sales, and ultimately personalize the customer experience.

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POS RETAIL

Digital Payments – Preferred Way To Exchange Money

Article | May 20, 2022

In the past several years, the evolution of the payments industry has been remarkable. The digital payment business is expanding fast and is an open area for competitors. Globally, the emergence and implementation of digital payment solutions results from diverse requirements. The digital payments ecosystem is being propelled by three significant factors: technology, customer demand, and regulations. Insights Into Digital Payments Evolution The Internet of Things, APIs, point of sale (POS), mobile wallets, and tokenization create a seamless payments ecosystem by digitally connecting every industry with the payments environment. Consumer demand drivers can be broken down into subcategories, such as real-time payments, a better user experience, and personalization. In 2021, the market for digital payments was estimated at USD 7.36 trillion. It is expected to reach USD 15.27 trillion by 2027, with a CAGR of 12.38% between 2022 and 2027. The technical improvements of smartphones, digital payment cards, and point-of-sale terminals in retail stores are driving the expansion of the industry. According to American Express, the COVID-19 pandemic significantly impacted cardholder spending. Companies are offering contactless payment options to attract customers. This has made the contactless function a global competitive advantage for companies. In light of the preceding progress and development, let's explore what 2022 has in store for you. Look closely at any changes to digital payment methods that could be important in 2022. The Most Prevalent Digital Payment Trends – 2022 Biometric Authentication In 2022, biometric authentication will increase as a trend in the digital payment industry. Biometric authentication utilizes a person's biological and anatomical traits. In addition to fingerprint scanners, face recognition, iris recognition, heartbeat analysis, and vein mapping, the verification process also incorporates fingerprint scanners. It is a very secure payment system based on the unique qualities of each individual. Additionally, it helps establish consumer loyalty and trust. Contactless Payments Customers may make contactless payments by just waving their smartphone in front of the reader. Thus, the payment method becomes faster and more convenient than card insertion. Contactless payments are more secure due to the rapid transfer of encrypted data to the point-of-sale gadget. Mobile Point of Sale Mobile-point-of-sale (mPOS) is a breakthrough technology since it liberates retailers from storefronts and in-store payments. Instead, it is a portable register that operates on a tablet, smartphone, or mobile device. Mobile POS has significantly altered a store's payment procedure by making it more efficient and adaptable. According to Global Market Insights, mPOS will grow at a 19% CAGR between 2020 and 2026. Mobile Wallet Transaction According to Juniper Research, digital and mobile wallet usage will surpass 4.4 billion by 2025. Mobile wallets do not require a real bank account and keep all payment information securely and compactly. This is enabled through Near Field Communication (NFC) technology, which allows devices in close proximity to communicate and share data quickly. With the rise in demand for contactless payments, NFC has become a prominent term in digital payments. Final Word There are many proven ways to send money around the world. It is essential to consider how money moves across borders. The answer depends on the payment's context. Today's businesses want diverse and straightforward methods for international money transfers. The choices available to enterprises range from SWIFT and ACH transfers to digital wallets and cheques to credit cards and even crypto money. Digital payments enable organizations to conduct money transfers efficiently, transparently, and cost-effectively. This will encourage the global economy to continue expanding and strengthening further.

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POS RETAIL

Top Reasons Businesses Choose Cloud-based POS Systems

Article | May 20, 2022

Digital innovations make a significant impact on the payment business. Point-of-sale is one such innovation that eases the payment mode. Traditional POS systems face several obstacles, such as data storage on local servers, higher upfront payments, limited access to the data, and higher costs. On the contrary, a cloud-based POS system is easier and offers more agility and access, making the payment process seamless and less time taking. Customer expectations are constantly changing regarding seamless online and offline payment processes. Cloud-based POS systems ensure the best possible customer experience while staying relevant to the rapidly evolving technology. Making the lives of the customers easier is the primary goal of the payment service provider. Deciding Between Getting a Traditional or A Cloud-Based POS System? POS software has improved over the past decade, and many firms have hopped on the POS system bandwagon. There are different types of POS systems available, and you may get confused, especially if you are new to POS. Purchasing a POS system is a long-term investment and should not be made without extensive research and knowledge. It would be best to compare the pros and cons of traditional and cloud-based POS options. Identify your business's needs and select the right POS system. On-site or existing POS is an old method. The data is stored on local servers and in closed networks. It is commonly known that standard POS systems can be complex and time-consuming. Also, installing large hardware adds to the cost of getting started. If you use older methods, you might be able to access data on-site, but you could lose it. A cloud-based POS is easy to use and easy to get to. The cloud-based POS system is adaptable and can easily add new modules or apps from other corporates. The software is rented by the month or year. Methods that use the cloud allow mobile access which means you can leverage the functionality of mobile POS without fully implementing a mobile POS system. POS software that runs in the cloud is also automatically backed up. Cloud-based POS software offers incredible benefits for your business. Reasons for Opting for a Cloud-based POS System Cloud POS Systems Are More Secure A cloud-based POS system lowers all types of risks due to stringent security standards. Cloud technology allows the POS software to automatically backup the data and sync via remote servers. The regular updating of the system increases the security level of the software. Remote System Access Switching to a cloud-based POS system allows you to access your back-office functionality from anywhere. This capability gives you the ability to receive important updates regarding inventory or vendor issues on your mobile or home computer. You will also benefit from the security of cloud backup for your data. Cost-effective Cloud-based POS may appear to be more expensive than conventional POS systems. Nevertheless, cloud-based technologies are preferable for SMBs. In contrast to traditional POS systems, cloud-based SaaS has no upfront costs and has low monthly rates. Automatic software updates are delivered, and the system can update itself. Better Customer Service Cloud POS is compatible with various payment options and can send invoices through email or SMS. This enhances the purchase experience for your brand's customers. Customers interested in simple technology like simple processes are thus satisfied with the commercial services a POS system delivers. By choosing a cloud-based POS system, you'll always be able to meet customer needs quickly. Also, remember that you can get updates, which are meant to change some features to fit how people use them. Conclusion We’ve seen a few reasons that why you should consider transitioning to a cloud-based point-of-sale system, but the list is unlimited. If you have not considered implementing a point-of-sale system, now is the time to do so. The most prominent upside is that a sound POS system facilitates sales and increases the capacity to attract more clients.

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Pattern

Pattern is a proven blend of marketplace analytics, product distribution, MAP Compliance, and brand management that drives growth for premium brands. We thrive on high-energy, professional excellence, and disciplined creativity.

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Nayax to Enter New Zealand’s Untapped Retail Market

Nayax | June 22, 2022

Nayax Ltd., an Israel-based fintech company that sells cashless, management, telemetry, business intelligence, and monitoring products for the vending and unattended retail industries, expanded its footprint across the southern hemisphere. The company announced entering New Zealand’s untapped retail market with its commerce enablement and cashless payments solution, the Onyx contactless card reader. Nayax's cashless payment solutions are designed for diverse unattended businesses, including self-service laundromats, vending, automated car washes, kiddie rides, public transportation, and many more. The Onyx contactless card reader provides a complete set of solutions, including cashless payment acceptance, an integrated POS, a consumer loyalty kit, and a management & telemetry suite. In addition, Onyx's assistive features, such as an intuitive interface and acceptance of all contactless & cashless methods of payment, make it user-friendly for consumers. It also facilitates business operators to remotely manage their operations with its telemetry capabilities that offer them an overview of real-time alerts, sales, and machine data. By entering the unattended retail market in New Zealand with these comprehensive cashless payment solutions, Nayax plans to assist business owners in increasing their revenue while lowering their operational expenses. As part of our global expansion strategy, Nayax has been planning to enter the New Zealand market for several years and we're excited that final certification of the Onyx contactless device is in sight. This expansion will help unattended business operators of any size. Our complete solution offers a superior device with a comprehensive telemetry management system for cashless payments, with the full backing of our established support team to enable business owners to increase their revenue from the first day of operation." Dylan Winik, Managing Director of Nayax New Zealand

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Leading International Off-price Retailer beaconsmind AG Relies on beaconsmind Solution.

Beaconsmind | June 21, 2022

Beaconsmind, a leading location-based marketing and analytics SaaS provider, signs contracts with BFL Group as a new client. The company is known as the world's leading off-price retailer in the fashion, gaming, and household goods industries. Brands for Less, Toys for Less, Homes for Less, and Mumuso are all part of the BFL Group. It is Tchibo's primary partner in the MENA region. Beaconsmind's solutions will be extended to BFL Group's brick-and-mortar stores in the future. This will result in the brand having 80 stores in the UAE, Lebanon, Oman, Qatar, Kuwait, and Malta. The collaboration with BFL Group led to beaconsmind's partnership with the Seed Group. The Seed Group is a subsidiary of Sheikh Saeed Bin Ahmed Al Maktoum's Private Office, a member of Dubai's ruling family. This collaboration provides access to the royal family's companies and business contacts in the UAE and the MENA region. By connecting the BFL mobile app with the beaconsmind Suite software, beaconsmind assists BFL Group in connecting its brick-and-mortar retail offers with those in online retail. Through new interaction and communication channels, BFL Group can increase cross-selling and offer customers tailored offers based on their purchase and visit history at the point of sale. Personalization of offers increases customer loyalty and enhances the customer experience. BFL Group also benefits from all location-based data collected from app users, allowing it to respond to customer requests in-store or anticipate market trends and respond with relevant offers. “The BFL Group is already one of the world's leading off-price retailers and continues to expand. We are very pleased to be able to accompany them and provide dynamic growth impulses with our solutions. " -Max Weiland, Chief Executive Officer of beaconsmind “With beaconsmind's solution, we are committed to opening a new marketing channel within our omnichannel mix, to better reach our app users and improve their shopping experience. We believe in a customer`s first strategy and with a local, targeted customer approach we are able to offer even more benefits and shopping excitement to our customers in our stores based on their preferences.” -Ayman Beydoun, Chief Operating Officer of BFL Group

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BHG Financial Chooses 360factor's Integrated Risk and Compliance Management Solution, Predict360

BHG Financial | June 20, 2022

360factors, Inc. today announced that BHG Financial, a leader in financing to professionals nationwide, selected 360factors' risk and compliance intelligence platform. The organization will deploy 360factors' Predict360 Enterprise Risk Management (ERM) and Compliance Management applications. Predict360 enables risk and compliance teams to assess risks and controls, manage compliance monitoring and testing activities, handle regulatory changes, and ensure regulatory compliance. "Managing risk and compliance is critical to BHG. We needed a solution that would enable us to quickly and effectively develop our risk management framework, Predict360 provides the risk framework and collaborative workflows that will enable BHG to streamline our risk and compliance processes within one global platform." -Matt Ondus, Chief Compliance Officer at BHG Financial. As a risk and compliance solutions leader within the banking and financial services industries, 360factors continues to develop relationships with banks and financial services institutions seeking to remove inefficiencies while elevating their risk and compliance management programs. About 360factors, Inc. 360factors empowers organizations to accelerate profitability, innovation and productivity by predicting risks and streamlining compliance. Predict360, its flagship software product, is a Risk and Compliance Intelligence Platform augmented with A.I. technology to predict and mitigate risks while streamlining compliance. Predict360 integrates regulations and obligations, compliance management, risks and controls, audits and assessments, policies and procedures, and training in a cloud-based SaaS platform to provide predictive risk analytics and streamline compliance. 360factors is the endorsed solution provider for risk and compliance management by the American Bankers Association (ABA). Visit www.360factors.com for more information. About BHG Financial Powered by data, analytics, and technology, BHG Financial is constantly pushing the limits of innovation to help its clients succeed.BHG Financial's dedication to providing services that meet the needs of its clients has led to the creation of a full family of brands that range from business, consumer, and SBA 7(a) loans to credit cards, collection services, and point-of-sale financing. Since 2001, the company has originated more than $11 billion in loans to top-quality borrowers, developed a state-of-the-art loan delivery platform for community and midsize banks, and created the largest community bank network in the country.

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Nayax to Enter New Zealand’s Untapped Retail Market

Nayax | June 22, 2022

Nayax Ltd., an Israel-based fintech company that sells cashless, management, telemetry, business intelligence, and monitoring products for the vending and unattended retail industries, expanded its footprint across the southern hemisphere. The company announced entering New Zealand’s untapped retail market with its commerce enablement and cashless payments solution, the Onyx contactless card reader. Nayax's cashless payment solutions are designed for diverse unattended businesses, including self-service laundromats, vending, automated car washes, kiddie rides, public transportation, and many more. The Onyx contactless card reader provides a complete set of solutions, including cashless payment acceptance, an integrated POS, a consumer loyalty kit, and a management & telemetry suite. In addition, Onyx's assistive features, such as an intuitive interface and acceptance of all contactless & cashless methods of payment, make it user-friendly for consumers. It also facilitates business operators to remotely manage their operations with its telemetry capabilities that offer them an overview of real-time alerts, sales, and machine data. By entering the unattended retail market in New Zealand with these comprehensive cashless payment solutions, Nayax plans to assist business owners in increasing their revenue while lowering their operational expenses. As part of our global expansion strategy, Nayax has been planning to enter the New Zealand market for several years and we're excited that final certification of the Onyx contactless device is in sight. This expansion will help unattended business operators of any size. Our complete solution offers a superior device with a comprehensive telemetry management system for cashless payments, with the full backing of our established support team to enable business owners to increase their revenue from the first day of operation." Dylan Winik, Managing Director of Nayax New Zealand

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Leading International Off-price Retailer beaconsmind AG Relies on beaconsmind Solution.

Beaconsmind | June 21, 2022

Beaconsmind, a leading location-based marketing and analytics SaaS provider, signs contracts with BFL Group as a new client. The company is known as the world's leading off-price retailer in the fashion, gaming, and household goods industries. Brands for Less, Toys for Less, Homes for Less, and Mumuso are all part of the BFL Group. It is Tchibo's primary partner in the MENA region. Beaconsmind's solutions will be extended to BFL Group's brick-and-mortar stores in the future. This will result in the brand having 80 stores in the UAE, Lebanon, Oman, Qatar, Kuwait, and Malta. The collaboration with BFL Group led to beaconsmind's partnership with the Seed Group. The Seed Group is a subsidiary of Sheikh Saeed Bin Ahmed Al Maktoum's Private Office, a member of Dubai's ruling family. This collaboration provides access to the royal family's companies and business contacts in the UAE and the MENA region. By connecting the BFL mobile app with the beaconsmind Suite software, beaconsmind assists BFL Group in connecting its brick-and-mortar retail offers with those in online retail. Through new interaction and communication channels, BFL Group can increase cross-selling and offer customers tailored offers based on their purchase and visit history at the point of sale. Personalization of offers increases customer loyalty and enhances the customer experience. BFL Group also benefits from all location-based data collected from app users, allowing it to respond to customer requests in-store or anticipate market trends and respond with relevant offers. “The BFL Group is already one of the world's leading off-price retailers and continues to expand. We are very pleased to be able to accompany them and provide dynamic growth impulses with our solutions. " -Max Weiland, Chief Executive Officer of beaconsmind “With beaconsmind's solution, we are committed to opening a new marketing channel within our omnichannel mix, to better reach our app users and improve their shopping experience. We believe in a customer`s first strategy and with a local, targeted customer approach we are able to offer even more benefits and shopping excitement to our customers in our stores based on their preferences.” -Ayman Beydoun, Chief Operating Officer of BFL Group

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BHG Financial Chooses 360factor's Integrated Risk and Compliance Management Solution, Predict360

BHG Financial | June 20, 2022

360factors, Inc. today announced that BHG Financial, a leader in financing to professionals nationwide, selected 360factors' risk and compliance intelligence platform. The organization will deploy 360factors' Predict360 Enterprise Risk Management (ERM) and Compliance Management applications. Predict360 enables risk and compliance teams to assess risks and controls, manage compliance monitoring and testing activities, handle regulatory changes, and ensure regulatory compliance. "Managing risk and compliance is critical to BHG. We needed a solution that would enable us to quickly and effectively develop our risk management framework, Predict360 provides the risk framework and collaborative workflows that will enable BHG to streamline our risk and compliance processes within one global platform." -Matt Ondus, Chief Compliance Officer at BHG Financial. As a risk and compliance solutions leader within the banking and financial services industries, 360factors continues to develop relationships with banks and financial services institutions seeking to remove inefficiencies while elevating their risk and compliance management programs. About 360factors, Inc. 360factors empowers organizations to accelerate profitability, innovation and productivity by predicting risks and streamlining compliance. Predict360, its flagship software product, is a Risk and Compliance Intelligence Platform augmented with A.I. technology to predict and mitigate risks while streamlining compliance. Predict360 integrates regulations and obligations, compliance management, risks and controls, audits and assessments, policies and procedures, and training in a cloud-based SaaS platform to provide predictive risk analytics and streamline compliance. 360factors is the endorsed solution provider for risk and compliance management by the American Bankers Association (ABA). Visit www.360factors.com for more information. About BHG Financial Powered by data, analytics, and technology, BHG Financial is constantly pushing the limits of innovation to help its clients succeed.BHG Financial's dedication to providing services that meet the needs of its clients has led to the creation of a full family of brands that range from business, consumer, and SBA 7(a) loans to credit cards, collection services, and point-of-sale financing. Since 2001, the company has originated more than $11 billion in loans to top-quality borrowers, developed a state-of-the-art loan delivery platform for community and midsize banks, and created the largest community bank network in the country.

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