North American Bancard

North American Bancard has grown to become the leader in the credit card processing services for two decades, offering the lowest rates with the highest security.
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The peace of mind to focus on your success.

North American Bancard has been providing safe, secure, and reliable credit card processing services for more than 180,000 merchants nationwide.
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The best free equipment program in the business.

North American Bancard has been on the forefront of technology and modern business thinking, consistently offering highly-competitive pricing, and best-in-class customer service.
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Words and Phrases to Avoid in the Workplace

Posted on 19, Jun | Posted by admin

People may often make statements or comments that have an effect that’s entirely opposite of their intentions. While these words and phrases may be well intended, the interpretation can be harmful if read or taken the wrong way.

Here are some words and phrases that should be avoided in your small business and workplace:

But – The word “but” discredits everything said previously and turns the focus over to the responder and their ideas. Instead, use a phrase like “That’s great, now this is what I think” to avoid misconceptions.

Never – Saying never automatically exposes you to being wrong, no matter how unlikely. Comments including “never” can quickly turn something from positive to negative. The word “never” also can have a big impact on the morale of the team or a project, which in turn can create a toxic culture.

Infer – According to Inc., the word “infer,” tells everyone in the office that you haven’t done your homework. It is technically defined as deducing something without real facts, but people just assume you are guessing.

Blame- Even if you attempt to use “blame” in a healthy and positive way, the word typically generates a negative outcome. Try to avoid blaming people in your small business and use words that can help clarify expectations amongst coworkers.

That won’t work – Instead of shutting someone down, ask questions to help guide you to the purpose of what they are trying to do. Providing suggestions and engaging in dialog with your coworker can help both of you find a solution.

Can’t – Can’t is a word that is unsupportive and can pose as potential damage to your relationship with another. Harmful words like this will drive people away and may cause others to look at you negatively.

Just get it done – According to a second Inc. article, people feel immense pressure to deliver, regardless of how it gets done, after hearing this phrase. This can cause people to dive into practices that may be unethical, immoral or even illegal. A better alternative would be asking another what they need in order to get the job done right. It is better to get things done right than it is to get it done right now.

Your words matter more than you may think, and can have an effect on everyone in your small business and workplace. As a small business owner or leader you have a responsibility to create a positive culture. Avoiding these words and phrases can lead to an improved environment for you and your coworkers.

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What Successful Entrepreneurs Can Teach You

Posted on 16, Jun | Posted by admin

merchant servicesNot every business owner can afford a business advisor to help guide his or her business to prosperity. But the number of entrepreneurs that have stepped forward to offer up advice via blogs, website, and interviews can give any business owner an MBA in applied business science. North American Bancard has compiled some of the best information on what attributes entrepreneurs think a business owner must possess to be successful.

Be logical. Don’t allow yourself to be bogged down in the emotions of a situation you face within your business. The best entrepreneurs can separate their emotions from difficult business decisions and solve them logically. This allows them to have a clear head as they move on to the next business challenge.

Keep an open mind. Nearly everyone’s Grandma made the best food. But, you can never seem to duplicate it just right even though you followed the recipe to a T. Grandma never did tell you how she modified the measurements just a bit to get her unique taste. Business owners can learn from Grandma because going off script, or recipe, in this case, showed Grandma didn’t mind embracing new ideas or taking risks with her signature dish. And you shouldn’t either! Embrace new ideas and processes to move your business forward.

Do what you enjoy. Is it really a job if you love what you do? The good people at answer that question this way: What you get out of your business in the form of personal satisfaction, financial gain, stability and enjoyment will be the sum of what you put into your business. So if you don’t enjoy what you’re doing, in all likelihood it’s safe to assume that will be reflected in the success of your business — or subsequent lack of success. In fact, if you don’t enjoy what you’re doing, chances are you won’t succeed.

Mistakes aren’t always bad. Employees who try to cover-up their mistakes may be doing more harm to their employer than if they fess up to their error. says the most successful business people look at mistakes as something to learn from and implement change to avoid making those same mistakes the next time the situation arises. Those same people understand mistakes can happen when searching for a better way of doing business, and they don’t want to hamper that forward thinking by dwelling on mistakes.

Have the right equipment for success. Technology is the great equalizer and can level the playing field for small businesses. It’s hard to tell if you have 3 or 3,000 employees when you have the right equipment for the job. Don’t worry about the latest and greatest technology, get what fits your needs, but don’t be afraid to upgrade when needed.

Let others succeed.  Just like any football coach, you’ll go as far as your team takes you.  So as a business owner you have to create an environment that allows your employees to flourish, and don’t be scared to promote their accomplishments! If you surround yourself with motivated go-getters, you are building a climate for success that benefits you, your business and your employees.

We’re excited to help you grow your business, contact us at 877-840-1952, or visit our website if you have any questions about our merchant services and offerings.

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Tips for Creating a Successful Blog: Fresh Content Creates Engagement

Posted on 8, Jun | Posted by admin

blogging tips for businessOne of the easiest ways to drive traffic to your website is creating a blog that is both of interest to your customer, and represents your business in the way you want. The key to any successful web content campaign is keeping it as fresh as possible — meaning you need to write as often as possible, or on a set schedule so your customers know when to expect new content from you.

Here are a few ideas on how to create a blog that will bring the consumers to your site and hopefully they stay engaged long enough to become both a loyal reader and customer.

Keywords. Even though algorithms have changed on how search engines rate search results, the biggest driver for success for web content is making sure to use the right keywords for your business. The more keywords that you use, the better the chance your business will pop-up in a search. Be sure to use web analytic tools to find what the keywords are driving the traffic to your site. Be sure to check out Google Analytics, it’s one of the most popular website analytic tools around.

Publish a blog on a consistent basis. You’ll want to find a rhythm in how, and when you publish your blog. Here are a few of the other factors that you should consider before planning out your blog content calendar: the nature and size of your business, no need to publish daily if your off-season at a surf shop. But you might want to give out local wave reports via a blog when you store is in the middle of your busy season. Be sure you can commit the time to the blog so that you are consistently hitting your deadline with quality content.

Have a give and take in your blogs. If you have an idea for a new product for your store, or want to know what your hours should be on a Sunday, embed a questionnaire or survey in your blog asking your customers for their input. It will show that you care and want to be engaged with your customers. It may also generate more blog ideas for further down the line. And be sure to let customers know they can share the blog with friends and family members, so that they might want their voices to be heard on the questions you’re asking.

Allow your blog to be places on other sites. This is what you call virtual networking. If it’s the local chamber of commerce, or an industry clearing house, it doesn’t matter who shares your blog as long as you’re getting your message out in your own words, it can lead to good things.

Your blog is you. Blogging puts a human touch on your website. Sure, you picked out the fonts, approved all the pictures and product descriptions, but your blog is written in your voice and gives those visiting a feeling of who is running the business they are about to buy from. If they find a connection to your words, or the overall message you’re trying to get out there, then they are more likely to do business with you.

About North American Bancard

North American Bancard is dedicated to helping small business owners get their own piece of the American Dream. With more than 20 years of experience, North American Bancard is dedicated to helping you succeed in all facets of merchant payment processing by offering the industry’s largest selection of point of sale (POS) equipment free of charge when you select North American Bancard for your credit processing needs.

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Are You EMV Capable or EMV Enabled?

Posted on 28, May | Posted by admin

EMVThe credit card processing industry, including our team at North American Bancard, have been working towards including EMV technology in all of the point of sale systems that we send to merchants ahead of the October 1, 2015 mandate. To get a jump on things, many processors have sent out EMV capable devices that will need to be adjusted before they can start accepting EMV card transactions. See which category you fall into so you are prepared when Oct. 1 rolls around.

First, check and see if your credit card machine has the slot to accept EMV cards (it’s either a slot in front, or on the top of, the unit). If you don’t, you need to contact your sales agent to update your equipment as soon as possible. If you do have the slot for EMV cards, you’ll need to contact North American Bancard to see if your PayAnywhere Storefront tablet or other EMV capable machine has been enabled to accept EMV cards.

What is the difference between EMV capable and EMV enabled? Let us explain:

  • EMV Capable — EMV capable means that your credit card machine is equipped with the hardware (i.e. the slot) and has the capability to do a transaction, but first you’ll have to update the application to enable you to process the cards. At North American Bancard, we have a team of dedicated professionals to assist you with step-by-step instructions to switch your PayAnywhere Storefront tablet, or other credit card POS system, from EMV capable to EMV enabled.
  • EMV Enabled — When your machine is EMV enabled, your terminal is ready to accept EMV transactions.

According to MasterCard, 73 percent of consumers say owning a chip card would encourage them to use their card more often. In addition, 75 percent of consumers expect to use their chip card at the merchants where they shop today. Keeping these numbers in mind, it only makes sense to equip your business with an EMV enabled credit card POS system.

You might be wondering what makes EMV technology so important? Well, EMV is a global payment system that adds a microprocessor chip into credit cards and debit cards, and reduces the chance a transaction is being made with a stolen or copied credit card. Unlike traditional magnetic-stripe cards, anytime you use an EMV card, the chip in the card creates a unique transaction sequence that can’t be replicated. Because the number will never be valid again, it makes it hard for hackers to fake these cards. If they attempt to use the copied EMV card, the transaction would be denied.

The rollout of EMV technology is ongoing, but even with the Oct. 1 deadline, it’s estimated that only 70 percent of credit cards and 40 percent of debit cards in the U.S. will support EMV. Despite these numbers, that doesn’t mean you shouldn’t update your equipment. Fox Business says that following the deadline, card present fraud liability will shift to whoever is the least EMV compliant party in a fraudulent transaction — make sure that’s not you.

Contact your sales agent to start the process of getting an EMV enabled equipment for your business today!

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5 Ways to Keep Customers

Posted on 27, May | Posted by admin

customer retentionAttracting new customers should be part of your everyday strategy as a small business owner, but are you doing everything you can to make sure those new customers turn into repeat customers? Here are five things you can do to retain your customers and turn them into brand advocates, according to MasterCard.

1. Focus on your existing customers. MasterCard says the marketing funnel has been flipped, which means bringing in new customers is no longer the focus for marketing. Instead, focusing on your existing customers can be more effective and provide you the most value. These existing customers are more likely to talk up your business and become brand advocates. This can result in more customers and higher profits.

2. Do email marketing the right way. Proper email marketing can be extremely beneficial for small businesses, and low-cost email campaigns can provide a great way for you to maintain connections with customers. However, not using it the right way can do real harm to your customer base. Be sure your customers are interested in what you have to say and avoid spam as much as possible.

3. Utilize social media. Social media is here for the long run, so take advantage of the free marketing space and provide your customers with interactive content. You don’t need to be all over every social media channel – pick and choose the ones that will maximize benefits for your business.

4. Being mobile is critical. The number of mobile devices used surpassed the number of people on the earth in 2015, according to MasterCard. If your website isn’t compatible with any mobile devices, you will have a hard time retaining your customers.

5. Impress with your customer service. Providing great customer service is one of the best ways to guarantee your customers will return. Make your customers feel important and, if something goes awry, make sure they feel heard and quickly fix their issue. Great customer service helps build a strong relationship between your business and your customers, and in the end creates customer loyalty to you and your business.

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Why You Need to Accept Credit Cards

Posted on 22, May | Posted by admin

accept credit cardsIt’s a fact – we live in a nearly cashless society and, as a result, the cash-only business is fast becoming the dinosaur of the retail space. Accepting credit cards is nearly a requirement in today’s business climate.  So what are the pros of accepting credit cards at your business? We at North American Bancard have put together a short list explaining the benefits of accepting cards – both credit and debit – at your business.

Convey a sense of trust. When first launching a business, you won’t have the credibility of a well-established company, so gaining instant credibility by promoting that you’re able to accept credit cards will help your business evolve. Customers trust those companies with their personal and financial information so you’ll be able to acquire respectability and strong customer relationships when compared to companies that don’t accept credit cards.

The more payment options, the better the sales. Why limit your customers to just cash? Because the number of people carrying cash decreases every day, accepting credit cards will open the door to more opportunities, and hopefully more wallets.

Credit Cards drive e-commerce. Nearly every transaction made on the Internet is paid for by some sort of payment card — be it credit, debit or gift cards — so having a successful online presence and creating an excellent revenue stream is crucial for the growth of your business.

Plastic is better than a check. Because of the high level of diligence done by credit card processors, it’s less likely that you’ll be a victim of fraud when compared to accepting checks. Accepting one bad check can make a business susceptible to spending valuable time dealing with banks and trying to find the customer to get reimbursed.

Impulse buys pay the same as calculated purchases. Credit cards offer a convenience that will help increase the likelihood of your customers making “impulse purchases.” Customers tend not to hesitate with “convenient, nice to have” purchases when they use a credit card compared to harder-to-part-with cash.

Set-up is easy. Companies like North American Bancard pride themselves on making the application process, and subsequent set-up of the merchant account, as seamless as possible. Our goal is to create a smooth transaction process, leading to a better relationship with your customers.

To learn more about the pros and cons of accepting credit cards, visit where they have a complete list of how the benefits can outweigh the negatives.

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5 Writing Habits You Need to Break

Posted on 20, May | Posted by admin

If you are a small business owner, don’t let well-written blogs about your business become low on your priority list. To help you make the most of your blogs, here is a list of bad writing habits you should break, according to Hubspot:

1. Don’t use more than one exclamation point at the end of a sentence. Hubspot says the more exclamation points you use at the end of a sentence, the weaker and less believable your point becomes – and we agree. If you think you need an exclamation point for a sentence in your blog, please use only one.

2. Don’t write long, wordy paragraphs. Most people simply skim the page when reading blogs or articles on the internet. To help people get the most from your posts, write in concise and short sentences. You should also try to keep it to only 2-3 sentences per paragraph.

3. Avoid using buzzwords. Buzzwords might sound cool the first time you use them, but then they you start to see them everywhere and they get annoying. Avoid using buzzwords and slag popular with younger crowds in your blogs – you could be using them in the wrong context and end up hurting your brand.

4. Don’t ramble on. Be sure to make your point in the first few sentences of your blog. This will get readers interested and keep them reading. Don’t include any unnecessary information or stories.

5. Avoid using vague language and be clear about your topic. If your blog post is vague, people won’t understand your points. Here are some tips on how not to be vague:

  • Write a clear headline.
  • Communicate only one point per paragraph.
  • Use short sentences and words.
  • If you are having trouble communicating your concept clearly, spend more time researching it.

For more blogging tips, visit

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Learn All About the New SEO

Posted on 14, May | Posted by admin

SEOThe world of Search Engine Optimization (SEO) can be confusing, even for the most seasoned digital marketing professional – it’s no wonder it can throw small business owners through a loop. To help you get the most out of your SEO efforts, North American Bancard has put together a list of what you need to know.

Targeting key words and then creating an entire campaign based on those words is now longer a viable SEO strategy. Now, SEO puts a focus on quality and value – not quantity. To make SEO work for your business, you need to create content that is relevant to both your customers and your business, make it an excellent user experience.  This seems like a tall order, but you know your business better than anyone, so take the lead on SEO and make sure your message is getting out to the customers using a search engine to do research before they head out shopping.

Here’s what you need to start doing in order to have positive search results:

Social media. A few years ago, social media wasn’t really accounted for in SEO. Today, it may not be a direct factor in your search rankings, but it can build a network of people that will share, like and tweet your business’s message.

Blog. Blogs are the best way to share the business content you want with your customers. Your posts shouldn’t be about upcoming sales, but about how your business is going the extra mile to help the community. You can also focus on a new product that is unique to your business or area, especially if you are the first to have it in town. Be consistent on posting blogs – writing 1-2 new posts a week. To help meet your goals, you can hire a copywriter to craft your blogs. Remember to create posts people will want to share with family and friends. Blogs can lead to great word of mouth advertising, and will increase your rankings in search engine results.

Be choosy with your links. Don’t link to just anything. Much like your content, you need to make sure that what you link to on your website is relevant. Don’t link to forums or other sites that aren’t an authority on a topic you are looking to feature. Be sure to filter for any links you offer your customers, and only link to the best.

SEO doesn’t have to be scary. In fact, it can be a useful tool to get more customers to your store or website. Remember, SEO ever changing so you never want to stay stagnant – if you do you’ll end up falling in the search rankings and possibly losing business.

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Why Your Business Shouldn’t Be Cash Only

Posted on 12, May | Posted by admin

For some startups and small businesses, it can be hard to see the benefits of accepting credit cards – especially if the business has been cash only since opening day. However, there is a big downside to being cash only and you could really be limiting the customers you bring in.

While it is true that cash is the simplest form of payment, it’s not always the best form of payment for small businesses. Here are the cons of accepting only cash, courtesy of the U.S.  Small Business Administration (SBA):

  • If your customers don’t have the cash to purchase an item they want from your business, then they are more likely to walk away from the purchase.
  • Keeping a large sum of cash at your business can put you at an increased security risk. It can also increase the amount of time you will spend at your business managing finances because of the time it can take to count cash and change.
  • Credit cards and debit cards are very popular; in fact, most people only carry a small amount of cash or no cash at all. Because of this, being cash only can cause your business to lose both existing and potential customers. A cash only policy can make them feel inconvenienced and cause them to take their business elsewhere.
  • Being cash only can mean you will need to do additional paperwork come tax time. The SBA states the IRS requires businesses that receive more than $10,000 in cash from one buyer in a single transaction, or two or more related transactions, to file a Form 8300. This same rule applies to cash equivalents including traveler’s checks, bank drafts, cashier’s checks and money orders. The form does require that you have your customer’s name, address and social security number.

To learn more about the advantages of accepting credit cards, visit

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No PhD Needed to Understand Analytics

Posted on 8, May | Posted by admin

Analytics are a necessary part of running a business today. While understanding your business in numbers can get complicated, we are here to help you understand why analytics are necessary, and how to get the most out of their use. Keep in mind, each business will have a unique set of numbers and factors, so something that will help one business may hurt the next business. That’s why we’re helping you understand the world of analytics a little better.

The good news is you don’t need to math wiz to understand your business analytics. Originally, analytics were number cruncher territory and that scared a lot of people away. Luckily, there are a number of sites, programs and platforms that you can work with to get a better understanding of the reports.

It’s just another thing to do. Yes, analytics do take a bit of time to go through, but so does reducing prices, or closing your doors for good. Analytics help you figure out what parts of your marketing are working, and will help you stop throwing good money after bad. Once you get a plan together on how you’ll check your numbers, you’ll see the initial investment in time was well worth it.

Know what you’re looking for. First off, you need to set your goals on what you want from analytics – is it what term was searched for that got a visitor to your website? Or, what platform — social media, email or referrals — did they come from? All of these, and many others, are great to know, but the two analytical numbers you want to know are visitor-to-lead conversion rates and lead-to-customer conversion rates. These are the true measures of your messages effectiveness. By using these numbers, you’ll be able to tell what messages are hitting on all cylinders, and which ones may need a tune-up.

Don’t comparison shop. It is good, and even recommended by some, to use different platforms when analyzing your analytics, but don’t attempt to compare the numbers. Different platforms, like HubSpot or Google Analytics, use different criteria to get your numbers, so it isn’t an apples-to-apples comparison and may skew what your course of action should be. You’ll want to compare trends, and you should see the same patterns on however many platforms you use. If there is a large anomaly in those trends, you may want to revisit your numbers on platform that has such varying information, because there may be an issue with the way your reporting was handled.

Not a place for wallflowers. You’ve done all the work, so why not put your analytics into action? After careful review, you should see trends on what has been working, and what hasn’t.  Have a plan of action with your information, and don’t be afraid to change your marketing efforts mid-stream. You’re going through the process of analytics for a reason, so never let this valuable information go to waste. Instead, use it to modify your current campaign or as the basis for your next one. If you opt not to use a marketing platform, like HubSpot or Google Analytics, to keep tabs on your trends over a set period of time, you may want to use a Google Spreadsheet or Excel to keep track of how your numbers perform. HubSpot offers a marketing reporting template that makes reporting easier and faster.

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