The number of stores entering delivery apps is increasing by the pandemic.
Have you ever been distracted by delivery orders coming from the delivery app?
ItsaCheckmate is an integrated restaurant POS & delivery app solution needed for owners suffering from these problems. You can use ItsaCheckmate to check delivery orders such as Uber Eats, Grubhub, and Doordash in real time at restaurant POS. Integrated management of digital ordering platforms with one POS. You don’t need an unnecessary tablet, and POS automatically accepts online orders and sends them to the kitchen printer. In addition, it can be processed at once in ItsaCheckmate without having to request each delivery app when changing the menu.
ItsaCheckmate can help restaurateurs save time and costs of labor while reducing order errors. Employees can process orders easily and quickly without a tablet. Because it is integrated and managed with one POS, you can check online and offline sales at once.
Are you hesitating because you don’t know how to start ItsaCheckmate?
Card&Beyond directly installs ItaCheckmate on the Clover POS you are using.
We will help the owner focus on customers by processing the entire process from menu work. There is a customer support team that handles menu modifications, price updates, or problems even after installation.
Please contact Card&Beyond if you have a headache due to the use of various delivery apps or if you are new to the delivery app. We will respond quickly.
통계청이 발표한 ‘2021년 11월 온라인 쇼핑 동향’ 자료에 따르면 11월 온라인 쇼핑 총 거래액은 17조 5,077억원으로, 1년 전보다 16.5% 증가했습니다. 코로나19의 영향으로 비대면 시대가 시작되며 오프라인보다 온라인 소비를 선호하는 추세가 계속되고 있습니다. 지금이 바로 온라인 쇼핑몰을 시작할 때입니다. 어떻게 시작해야할 지 막막하시다면 Card&Beyond에서 도와드리겠습니다.
1. 도메인 등록
도메인은 고객들이 당신의 홈페이지를 찾을 때 필요한 고유 주소입니다. 따라서 고객들이 기억하기 쉽고 당신의 브랜드에 적합한 도메인을 사용해야 합니다. 도메인을 어떻게 정하느냐에 따라 검색 엔진에 보여지는 순위에도 영향을 미칠 수 있습니다. 마음에 드는 도메인을 이미 다른 사람이 쓰고 있다면 숫자나 하이픈을 넣거나 짧은 단어를 덧붙이는 방법이 있습니다.
Card&Beyond에서는 당신의 웹사이트에 가장 적합하고 이용 가능한 도메인을 추천해드리고 있습니다.
2. 웹 호스팅 서비스
사이트의 안정성과 속도를 위해 좋은 웹 호스팅 서비스를 찾아다니는 것은 그럴만한 가치가 있습니다. 무료 웹 호스팅 서비스도 있지만 인터넷으로 상품을 판매해야 하기 때문에 필요한 옵션을 제공하는 유료 서비스를 이용하는 것이 좋습니다.
Card&Beyond에서는 대표 호스팅업체중 하나인 Godaddy 를 이용하고 있습니다.
3. 웹사이트 디자인
웹사이트 디자인은 브랜드의 이미지나 정체성을 보여주는 가장 중요한 요소입니다. 상품에 대한 정보와 시각적인 요소를 최대한 반영하여 상품 자체를 돋보이게 해 상품의 가치를 높여야 합니다. 또한 고객이 편리하게 쇼핑하고 구매할 수 있도록 사용성도 고려해야 합니다. 검색 필터를 배치하여 고객들이 원하는 상품을 쉽게 찾을 수 있게 해야하며 장바구니에 상품을 추가했을 때 화면을 전환할 필요 없이 팝업창을 이용해 계속 쇼핑을 진행할 수 있도록 해야합니다.
이 외에도 쇼핑몰 제작 시 고려해야할 점은 상당히 많습니다. 그렇기 때문에 전문 디자이너가 꼭 필요합니다. Card&Beyond 웹디자이너가 1:1 상담을 통하여 고객이 원하는 맞춤 쇼핑몰을 디자인해드리고 있습니다.
4.전자상거래 소프트웨어 선택
전자상거래 소프트웨어는 고객이 상품을 살펴보고 안전하게 구매할 수 있게 해준는 소프트웨어입니다. 전자상거래 소프트웨어는 고객의 경험과 쇼핑몰의 성공에 중요한 역할을 하고 있습니다. 또한 고객 정보와 재무 정보를 저장하기 때문에 선택에 신중을 가해야합니다.
Card&Beyond에서는 Autorized.net, Payeezy, Braintree, Paypal 등 신뢰성 있는 소프트웨어를 연결시켜 간편하게 결제 시스템을 이용하실 수 있게 제작해드립니다.
쇼핑몰 운영이 처음이시거나 어려우시다구요? 걱정하실 필요 없습니다. 저희는 쇼핑몰 운영에 필요한 기능을 갖춘 통합 솔루션인 Shopify, Bigcommerce, Woocommerce를 이용하여 웹사이트를 제작해드리고 있습니다. 또한 POS와 웹사이트를 연동하여 매장에서 바로 온라인 오더를 확인하고 인벤토리 관리를 할 수 있습니다. 나만의 홈페이지를 만들어서 온라인 비즈니스를 성장 시키세요.
According to data released by the National Statistical Office, the total amount of online shopping transactions in November was 17.577 trillion won, up 16.5% from a year ago. As the non-face-to-face era begins due to the influence of COVID-19, the trend of preferring online consumption to offline continues. It’s time to start an online shopping mall. If you don’t know how to start, Card & Beyond will help you.
The domain is the unique address customers need to find your homepage. Therefore, customers should use domains that are easy to remember and suitable for your brand. Depending on how you set the domain, it can also affect the ranking shown in the search engine. If someone else is already writing their favorite domain, there is a way to add numbers, hyphens, or short words.
Card & Beyond recommends the most suitable and available domain for your website.
2. Web hosting
Looking for good web hosting services for the stability and speed of the site is worth it. There is also a free web hosting service, but it is recommended to use a paid service that provides the necessary options because you have to sell products over the Internet.
Card & Beyond uses Godaddy, one of the leading hosting companies.
3. Website Design
Website design is the most important factor in showing the brand’s image or identity. The value of the product should be increased by reflecting the information and visual elements of the product as much as possible to make the product stand out. In addition, usability should be considered so that customers can shop and purchase conveniently. Search filters should be placed so that customers can easily find the products they want, and when they add products to their shopping carts, they can continue shopping using pop-up windows without having to switch screens.
In addition, there are many other things to consider when creating an online shopping mall. That’s why you need a professional designer. Card & Beyond web designers are designing customized shopping malls that customers want through 1:1 consultation.
4. Payment processing platform
E-commerce software is software that allows customers to look at products and purchase them safely. E-commerce software plays an important role in customers’ experiences and shopping mall success. You should also be careful in choosing because you store customer information and financial information.
Card&Beyond connects reliable software such as Autorized.net, Payeezy, Braintree, and Paypal to make the payment system easy to use.
It’s your first time running a shopping mall or it’s hard? You don’t have to worry. We produce websites using Shopify, Bigcommerce, and Woocommerce, which are integrated solutions necessary for shopping mall operation. In addition, you can check online orders and manage inventory directly at the store by pos integrated with the website. Create your own homepage to grow your online business.
A: The Payment Card Industry Data Security Standard (PCI-DSS) is a worldwide information security standard mandated by the Payment Card Industry Security Standards Council. The Standard was created to help organizations that process card payments prevent credit card fraud through increased controls around data and its exposure to compromises. You, as an owner, president, or signer of the merchant agreement, will be responsible for ensuring that your business becomes PCI compliant
Q: Who made the decision?
A: This was a collective decision made by Visa, MasterCard, American Express, Discover and JCB
Q: When did PCS begin because I’ve never heard of it? When do I have to be compliant?
A: The PCI Security Standards Council was launched September 2006. The council determined that all levels of merchants must be PCI compliant. According to the council, level 1-3 merchants have already passed their deadlines while level 4 merchants’ deadlines are set by the acquirer.
Level 1: Merchants who process more than 6 million transactions per year
Level 2: Merchants who process between 1 million and 6 million transactions per year
Level 3: Merchants who process between 20,000 and 1 million Visa e-commerce transactions annually
Level 4: Merchants who process less than 20,000 Visa e-commerce transactions annually and all other merchants processing up to 1 million Visa transactions annually
A: Merchants should become PCI Compliant in order to make sure they are taking the proper care to ensure that cardholder data is protected. If a breach were to happen at your location, and if you are not PCI compliant at the time, the card associations may assess a fine against you and you will be liable for all the fraudulent transactions caused by the breach. However, if you are compliant, the fine may be reduced and you may not be responsible for the fraudulent transactions.
Q: Why am I being charged an annual PCI fee?
A: The merchant will be assessed a Monthly PCI fee in order to enroll in a PCI program to help them become compliant. This Monthly PCI fee will vary depending on whether or not you are a non-IP or IP
Q: Do I have to pay this fee?
A: Yes. However, if you are an existing merchant and are already certified, you may contact us at (800) 495-0122. Our dedicated Customer Service specialist will assist in sending the information provided to our processor in order to finalize your compliance. If this is done, an administrative filing fee may be assessed.
Q: Can your company do it for us? (Fill out the form and more)
A: No, you must become PCI compliant on your own. However, we can provide guidance.
Q: Will I be notified that my compliance will expire? When do I have to renew my compliance?
A: Merchants will be notified via email two month before the compliance certificate expires. During this time, you are required to renew your compliance as soon as possible in order to avoid additional fines or penalties that may result due to a non-compliant status. The expiration date is printed on your PCI Compliance certificate; nevertheless, you may also call us at (800) 495-0122 to check on your PCI status.
A: 신용카드 데이터 보안인증 제도는 범세계적으로 크레딧 카드를 취급하는 업소를 보호하기 위하여 만들어진 정보 보안 안전 규정입니다. 이 규정은 카드 사용시 발생할 수 있는 각종 부정행위와 불법적으로 발생할 수 있는 사기행각을 방지하기 위한 극비의 정보 유출을 막는 안전 제도입니다. 업소나 회사를 운영하시는 분, Merchant Account 신청자로서 책임을 다하는 분은 고객과 더불어 업소와 회사를 보호하기 위하여 신용카드 데이터 보안 인증제도(PCS-DSS)에 가입하셔야 합니다.
Q: 신용카드 데이터 보안인증 제도는 어느 기관이 관장합니까?
A: 비자, 마스터카드, 아메리칸 익스프레스, 디스커버, JCB를 관장하는 카드 협회의 신용카드 데이터 보안인증 기관에 의하여 관장되고 있습니다.
Q: 언제부터 신용카드 데이터 보안인증 제도가 시작되었으며, 언제까지 인증을 받아야 하나요?
A: 신용카드 데이터 보안인증 기관은 2006년 9월에 발족되었습니다.
인증기관에 의하면 모든 비즈니스를 운영하는 업소는 신용카드 데이터 보안인증을 받으셔야 합니다. 비즈니스는 4단계로 구분되며 1단계에서부터 3단계에 해당되는 업소는 이미 인증을 받으셨어야 합니다. 4단계에 해당되는 업소의 인증마감일은 카드 프로세싱 회사의 지침에 따라 규정되어집니다.
단계: 일년에 6억 이상의 세일티켓을 발행하는 업소.
단계: 일년에 1억에서 6억 사이의 세일 티켓을 발행하는 업소.
단계: 일년에 2만에서 1억 사이의 비자 인터넷 비즈니스 세일 티켓을 발행하는 업소.
단계: 일년에 2만 이하의 비자 인터넷 비즈니스 세일 티켓을 발행하는 업소와 1억 이하의 세일 티켓을 발행하는 업소.
You’re minding your own business, ringing up another sale for your next customer, and then it happens–your normally boring credit card terminal spits out a strange number and message indicating that the transaction did not go through as expected.
You’ve just received a credit card decline code, in fact. But what does it mean, and what can you do about it?
WHAT ARE CREDIT CARD DECLINE CODES?
Credit card decline codes are sent to merchants from credit card processors when a transaction is unable to be processed. Each numerical code corresponds to a different reason a transaction may be declined, such as the card in question being reported lost or stolen.
WHO ISSUES CREDIT CARD DECLINE CODES?
Credit card decline codes can originate from just about any point in the transaction cycle. That means it’s possible for any of the following to be the source of the code you receive:
ㆍ Your payment processor
ㆍ Your payment gateway (if you’re using one)
ㆍ The card’s issuing bank
That said, there are certain codes that are more likely to come from one of those sources than the others. For example, a code 51 (insufficient funds) is probably coming from the issuing bank, not the payment processor or gateway. It should be noted that error codes that originate from the issuing bank tend to be harder, if not impossible, to resolve at the point of sale.
COMMON REASONS FOR CREDIT CARD DECLINED CODES
Broadly speaking, a credit card decline code occurs when some technical or financial factor prevents a transaction from completing. Very often, there’s an issue with the cardholder’s account or the card itself.
A card might be declined if the cardholder has insufficient credit remaining on their account. It may be declined if the card is reported as lost or stolen. It may also be declined if fraud alerts are triggered. And, of course, it will be declined if the card is expired. These are just a few of the more common reasons you might receive a credit card declined code.
LIST OF CREDIT CARD DECLINED CODES, EXPLAINED
There are a lot of credit card codes. Typically, when you receive a credit card code, you’ll also get a brief note explaining why the transaction was declined. Nevertheless, it can be helpful to have a reference of the types of codes you might encounter.
No reason given
The transaction failed for unclear reasons, possibly due to a connection error.
Refer to issuer
This a broad error code indicating the card issuer has blocked the transaction.
Refer to issuer (special condition)
Essentially a variation of error code 01, but for reasons not encompassed by the parameters of error code 01.
Pick up card (non-fraud)
The card issuer has blocked the transaction and is requesting that you seize/hold it. This code may occur if the card is reported lost or is expired.
Do not honor
The card issuer has blocked the transaction and is asking you not to honor the card.
Similar to 05, the issuer is asking you not to honor the card for transactions 05
Pick up card (fraud)
The card issuer has flagged the card for fraudulent activity and is requesting that you seize/hold the card.
Often the result of user-error, something went wrong when the transaction’s information entered the system, something was mistyped, etc.
Something in the number field of the transaction threw an error, typically because a non-numerical character was accidentally entered
Invalid card number
Your terminal or gateway can’t find the account that was entered.
No such issue
The card number entered doesn’t correspond to any issuing network.
An unknown error occurred, and you should try the transaction again.
Your terminal or gateway can’t reach the issuing bank.
POS condition code invalid value.
Something is wrong with the customer’s billing information or other entered information.
File is temporarily unavailable
The customer’s information temporarily couldn’t be reached. It may possibly clear on a second attempt.
Something may be wrong with the setup of your merchant account
Bank not supported by switch
The issuing bank declined the transaction, usually because the card can’t be used for this type of transaction.
Suspected fraud, retain card
Another code you may encounter if a customer tries to use a flagged card.
Contact acquirer security department
Yet another “decline and retain” code, although with the request that the customer contact their issuing bank.
The card’s owner has reported the card lost, and the issuer is requesting you retain it.
No universal accounts
The issuing bank declined the transaction due to a problem with the card’s account type.
The card’s owner has reported the card stolen, and the issuer is requesting that you retain it.
The card may not be valid for this type of transaction.
The issuing bank is declining the transaction because it would put the customer’s account over their credit limit.
The card has passed its expiration date and is no longer valid.
No card record
The issuing bank, which in this case may not in fact be the issuing bank, has declined the card because it can’t locate an account with the card’s number.
Transaction not permitted
The issuing bank says the card can’t be used for this type of transaction.
Transaction not permitted (terminal)
Your merchant account is not configured for this type of transaction.
The issuing bank declined the transaction due to suspected fraud, but no hold/retain request.
Exceeds withdrawal limit
Another code you may encounter if the customer has insufficient funds for the transaction
Invalid service code
The transaction violates some restrictions put on the card (product type, location, etc.)
This code indicates there’s some problem with the card’s security code (CVV/CID). Usually, this can be overridden, but at the risk of the transaction later being flagged.
Activity limit exceeded
The issuing bank is declining the transaction. May be due to a high volume of transactions within a limited time, or possibly exceeding the credit limit.
The issuing bank has declined the transaction and is requesting you capture the card, possibly due to the card being fake.
The issuing bank can’t find an account for the card number in question.
Issuer system unavailable
Similar to 00, the transaction failed, likely due to a communication issue on your processor’s end.
Issuer or switch is unavailable
The transaction couldn’t be authorized, likely a processor-side communication issue
Unable to route transaction
Usually seen when testing transactions when configuring a gateway, indicating that the card information can’t be found locally.
Violation, cannot complete
The issuing bank isn’t allowing the transaction.
Something went wrong with the transaction, usually due to a temporary systemic error.
The Card Verification Value (CVV)–that three- or four-digit number on the front or back of a card–doesn’t match the card or account.
Requested stop of recurring payment
The transaction was declined because the customer requested that a recurring payment no longer be processed.
This list doesn’t represent every possible error code you could get (payment processors also have their own), but these are by far the most common. You’ll note that some codes are very similar to each other. You don’t need to necessarily know the systemic quirks that produce a code 00 instead of a code 85, however. Just have a general sense of what went wrong and what, if anything, you can do about it.
HOW DO CREDIT CARD DECLINE CODES REALLY AFFECT YOUR BUSINESS?
If you accept credit card payments as part of your business, credit card decline codes just come with the territory. Usually, they’re just momentary interruptions to the flow of your business and rarely constitute full-blown crises. In most cases, capture you should be able to resolve the problem by running the transaction again, or asking your customer if they have either another card or cash to pay with.
A chargeback is a transaction that a card issuer returns to a merchant back – and most often, to the merchant – as a financial liability. In essence, it reverses a sale transaction, as follows:
ㆍThe card issuing bank subtracts the transaction dollar amount of the transaction.
ㆍThe merchant’s bank debits the merchant’s bank for the dollar amount of the transaction.
For merchant’s chargebacks can be costly. Merchants can lose both the dollar amount of the transaction being charged back and the related merchandise. Merchants may also incur other internal costs for processing the chargeback. Excessive chargebacks may result in termination of the merchant processing account.
It is important to limit chargebacks. Encourage your customers to contact you first with complaints, and attempt to resolve those complaints.
The most common reasons for chargebacks and how to resolve them are as follows:
NON-RECEIPT OF REQUESTED RETRIEVAL ITEM
ㆍ If the merchant does not supply the requested sales draft, it will result in a debit to the merchant’s checking account. This chargeback cannot be reversed.
UNAUTHORISED MAIL ORDER/TELEPHONE ORDER TRANSACTION
ㆍ This chargeback is initiated when the cardholder denies that they authorized a sale by mail or telephone. A merchant takes these types of orders at their own risk and would be responsible for supplying a facsimile draft as proof that the order was actually placed. Because there are no signatures involved in these types of transactions, the merchant should keep all records of shipping to assist Card and beyond in proving the cardholder initiated the transaction.
ㆍ This chargeback is initiated when a cardholder is charged two or more times for a transaction authorized only once. This chargeback may be reversed if the merchant can supply proof of more than one signed and authorized sales draft, each having different invoice numbers.
NON-RECEIPT OF MERCHANDISE
ㆍ The cardholder states that they authorized the sale and were billed for the item but never received the merchandise. This chargeback can be reversed if the merchant can supply proof of a shipping receipt that has been signed by the cardholder.
MISSING SIGNATURE/MISSING IMPRINT
ㆍ If a sales draft is missing a signature or card imprint, the issuing bank has a right to charge back this item. It is the responsibility of the merchant to ensure the cardholder signs all sales drafts or terminal slips, and that any draft is imprinted (unless the card was swiped) with the credit card number. The signature should be checked against the signature on the back panel of the card. Every hand-keyed transaction requires an imprint of the card.
If Card and beyond feels that the chargeback is valid, the merchant’s checking account will be debited for the amount of the sale. A Chargeback Adjustment Advice along with any documentation that would verify the dispute would be mailed to the merchant the same day the debit is processed.
Below is a list of your obligation when accepting and processing credit card transactions.
THE VIOLATION OF THE FOLLWING RULES MAY RESULT IN IMMEDIATE TERMINATION OF YOUR MERCHANT PROCESSING ACCOUNT.
ㆍMerchant may not under any circumstances accept or process Visa and MasterCard sales for another merchant (business) through his/her credit card terminal. This is known as factoring of tickets, and it is illegal.
ㆍMerchant cannot enter by hand transactions in excess of the percentage stated on their merchant agreement without the written consent of Card&Beyond.
ㆍMerchant cannot deposit any transactions for the purpose of obtaining or providing a cash advance.
ㆍThe merchant account should be activated within ninety (90) days of issuance of the merchant number, and should not be inactive for over ninety (90) days without notifying Card&Beyond.
ㆍMerchant cannot impose a surcharge on credit card transactions.
ㆍMerchant cannot require a cardholder to provide additional identification or information when a credit card is properly presented.
ㆍMerchant cannot require a cardholder to make a minimum or maximum transaction when using a credit card for payment.
ㆍMerchant cannot change the basic nature of his/her business, including selling any products or services not related to the current business, without notifying Card&Beyond in writing.
ㆍMerchant should obtain an imprint of the credit card when it cannot be swiped through the credit card terminal.
ㆍMerchant should perform a batch transmittal (“close the batch”) on his/her terminal daily to transmit transactions promptly to avoid non-qualifying transactions. If a merchant’s terminal is programmed to automatically close, the merchant should verify daily that terminal has transmitted all transactions.
ㆍA merchant cannot split a ticket on any transaction.
Card&Beyond monitors your merchant processing account daily for exception transactions and may, upon reasonable grounds, suspend the disbursement of funds for any reasonable period of time required to investigate any unusual deposit activity.