December 2012

Merchant Capital: What Your Business Needs to Know

Have you been thinking about getting merchant capital for your business? Merchant capital can be a very beneficial thing to help your business succeed. If you are thinking about merchant capital, you should know what it is, and the different types of capital there are.

Merchant capital is money that is provided by an outside investor to finance a growing, new, or even troubled business. VPS is a prime example of merchant capital. What happens is that your business gets the loan that they need, and then you set a specific amount of your credit card sales that go back to repay the loan. This is an important part of funding for start-up and other companies that may just be on the rocks. This is extremely useful because in today’s digital age, you should have access to a credit card payment process that will allow you process any type of credit card. Now that you have a greater understanding of the VPS merchant capital process, how can you use this money for your business? Here are just 5 major ways that VPS merchant capital can help your business.

1.  Seed Capital.  If you are just starting out in your business and you don’t have a product or organized company, you would be looking for seed capital.  This is absolutely a critical point for your business, but be aware that it would be difficult to pay off your debt if you have to product to sell!

2.  Startup Capital.  This is when your company has at least one sample product available and at least one person that is working full-time. These funds can help you do additional market research, and begin to start selling a product.

3.  Early Stage Capital.  Once you are two or three years into your venture, you have an actual business, and your company has taken off the ground, this is the time to help you reach your break-even point, improve your productivity by hiring more employees, and even increase the number of products that you produce.

4.  Expansion Capital.  In this level, you may be looking to expand your growth. This is when your company is doing well, and you want to get the word out to more customers. The money that you receive could be used for a more aggressive marketing approach.

5.  Late Stage Capital.  At this point, your company has achieved tons of impressive sales and revenue and you have at least a second level of management that is in place. You may be looking for capital to help you increase your capacity, get more marketing, and increase your working capital.

If your business is in any need of extra capital, look no further than VPS merchant capital. It can help give your business the extra push that you need.


8 Reasons Your Company Should Use Smartphone Credit Card Readers

If you are a small business owner, you may wonder if you should begin accepting mobile payments with a card reader. You may ask yourself if it’s necessary, after all, isn’t cash king? The real question that you should be asking yourself, “how could I afford not to accept mobile payments”? If you sell products in a store and online, you are opening your business to a whole world of possibilities. By processing mobile payments, you will be able to increase your profits and reach more clients. Here are 8 reasons why you should use smartphone credit card readers.

  1. Mobility. By getting a smartphone reader, you will not be restricted to using a large credit card terminal.
  2. Compatibility. If you are an Apple user, or a Blackberry user, you might think that mobile credit card processors won’t be able to be used with your device. Mobile credit card readers are for all smartphones, from Windows, Android, Apple and Blackberry; you can get your credit card process to work for them all.
  3. Minimal Initial Investment. When you implement a mobile payment processing system, it does not cost you an arm or a leg. For a minimal cost, you can set up an easy to use credit card system.
  4. Low Rates. By using VPS, you will be guaranteed the lowest rates on mobile credit card terminals. Take a look at our rates to compare!
  5. Still Accept Cash. Many smartphone swipe machines also allow you to track and process cash transactions. This offers your customers even more possibilities.
  6. Security. You might be worried about the security of processing your customer’s information with a mobile credit card reader. However, mobile processing services are required by law to be PCI complaint, which means that stringent security measures to keep payment information secure.
  7. Feature-rich Processing. There are tons of processing boasts when you use mobile processing services. Features include: calculating sales tax, calculating tipping, refunding transactions, and many other features you will find very useful.
  8. Convenience. Using a smartphone mobile processing system is extremely convenient. You can use it wherever you go. No matter if you are at a tradeshow or a event show, you will be able to process payments everywhere.

Because many people no longer carry cash with them, having a mobile card swipe will get you more customers that are willing to pay you because you have the capabilities to accept any payment form they have!


Merchants Prepare for the Holiday with Gift Cards

The holiday season is upon us—meaning that businesses of all different sizes will see growing revenues within the next several months. The holiday season is the time when consumers justify spending the most on themselves and others. A great way to take advantage of growing holiday sales is to capture additional revenue by offering gift cards!

Gift cards make a great gift for several reasons. First of all, it’s always difficult to determine what would be the “right” gift for someone. On the other hand, simply giving cash carries the impression that the gift giver really didn’t put any thought or effort into determining what the receiver might like. Gift cards are the perfect compromise. By purchasing a gift card for a friend or loved one, you can effectively say, “I know you well enough to know what you’re into and where you like to shop, but I’ll let you choose what you want!” Gift cards are especially useful for retail clothing stores where the gift receiver is probably going to want to try on the gift before deciding if they really want it. With so many different friends, aunts, cousins, work associates, and other acquaintances to keep track of, gift cards are the perfect choice for rushed holiday shoppers.

Businesses can benefit by placing gift cards in a visible part of the store, especially by checkout lines. It’s a great thing for consumers to add to their purchase right before stepping up to the register. Research shows that consumers simply don’t like to use paper coupons. Gift cards are great because they’re durable, fit in a wallet, and are refillable. Gift cards are a great way to attract new customers and improve relationships with existing customers.

Businesses of all sizes can increase holiday sales by offering gift cards. Vision Payment Solutions (VPS) offers a number of merchant services including gift and stored value cards. These cards are available in all forms including stored value cards, gift cards, employee cards, pre-paid cards and merchandise return cards. VPS can also hook you up with everything you need (hardware and software) to implement a successful card program quickly and efficiently. The records from card purchases and balances can easily be integrated into your business system. VPS also provides systems that easily track card usage and the overall success of different card programs.

If you’re anxious in learning more about how your business can benefit by offering gift cards this holiday season, visit us at!

Privacy Policy for Vision Payment Solutions

Vision Payment Solutions (VPS) is an online business that offers a wide range of merchant solutions to their clients including payment card processing hardware, software, merchant accounts, and merchant capital funding. VPS respects the privacy of its clients. The following information is regarding VPS’ privacy policy and outlines what type of information is collected when customers visit the website, how that information is used, how to be removed from VPS mailing lists, and a general disclaimer about the use of content on the website.

The following information was last updated in January 2012. As modifications are made the privacy policy, updates will be posted to the VPS website. To view updates and changes related to privacy, please visit

When you register to become a user at, we collect personal information including your email address and account number. Your user account gives you online access to confidential account information for the services that you’re enrolled in. It also allows you to perform other confidential transactions. Thus, general information gathered includes, email address, account number, details of products and services purchased, and future transaction information.

VPS sends out email offers to existing clients that feature products and services that we believe they’ll be interested in. Clients have the option to decline receiving email offers at any time. We also may provide your email address to affiliated companies including VPS’ parent company and its business partners so that they can market their products and services to you. We often hire vendors to deliver emails to you on our behalf. Those vendors are restricted from using your email address for any other purpose. You may receive emails from companies that offer VPS products and services if you requested that VPS send you offers from partners and advertisers. To remove your name from those mailing lists, follow the instructions given by those individual companies.

VPS may hire third-party advertisement servers to perform tracking and reporting activities that allow us to place our ad banners on other websites. These tracking and reporting services do not collect personally identifiable information and VPS doesn’t provide them with any personal information. Third-party advertisement servers are subject to their own privacy policies.

VPS does not knowingly solicit information from or advertise to children under the age of 13.

When you visit, we gather general information about your visit. We collect information about the website you’re coming from, what are the pages of interest that you visit on our site, and how long you stay in a particular location on our site. This information is not personally identifiable and is used for the improvement of our website. We like to know which parts of our website you like and which ones could use more refinement.

To unsubscribe from any of our mailing lists, simply follow the “unsubscribe” link attached to any of our email communications.

About Vision Payment Solutions

Vision Payment Solutions (VPS) is the perfect partner for whatever type of business you operate. Whether it’s ecommerce, brick and mortar, or a hot dog stand on the side of the road, VPS offers a wide range of merchant services focused on quick and affordable payment processing. VPS specializes in credit and debit card processing but also provides a host of related products and services.

VPS partners with businesses of all different sizes to provide the merchant solutions that they need. The management team has over 30 years of experience in the payment card industry and 60 years of experience working in the financial services industry.  The company prides itself on its vision. Not only does VPS want to help its clients process payments today, but it has an eye toward the future which allows it to bring cutting-edge technology that will benefit its clients in the years to come. By helping their clients rapidly adapt with the latest hardware and software solutions, VPS ensures that their clients will stay profitable in the long run.

As far as payment processing goes, VPS can handle it all. They offer goods and services that can handle virtually all payment types across different platforms. They help their clients process Visa, MasterCard, Discover, American Express, Diners Club, JCB, Debit, EBT, Gift cards, electronic check conversion and more. As components of payment card processing, ,VPS offers the following merchant solutions:

Payment Card Hardware: VPS offers a number of stand-alone credit card terminals that are PCI compliant and can process payments from virtually any type of payment card. They also offer mobile hardware such as credit card swipes that can be configured to work from an iPad or other mobile device. Additionally, they offer integrated transaction processing systems that include cash registers, sales software, and card swipes all in one.

Merchant Accounts: In order to begin processing payment card transactions, merchants need a checking account that’s set up for their business. VPS offers merchant accounts that sync automatically with the hardware and software that they offer.

Virtual Terminals and Internet Gateways: VPS offers secure channels through which payment card information can be transmitted electronically. These terminals and gateways can be easily integrated with existing transaction software and also come built in to VPS’ own software solutions.

Merchant Capital Funding: VPS also offers capital funding that’s especially useful to new business owners who face large investment costs early on. These funds can be approved more quickly and with less hassle than bank funding and are available at a competitive interest rate.