Consumers are always looking for ways to give back, so it’s important for non-profits to make the donation process as easy and convenient as possible. That’s where Celero can help! We offer a variety of payment devices, payment gateways, and point-of-sale (POS) apps that will help you maximize donations to your organization. 

Payment Hardware Built for Non-Profits 

Whatever type of non-profit you run, Celero has the perfect payment hardware for you. We offer portable and countertop solutions that your supporters will love! 

• Clover Flex: The Flex is a handheld, wireless device that allows you to accept donations wherever you go. Whether you’re at a charity ball, a race, or a networking event, you can accept payments quickly and easily using this powerful device. It features a high-resolution touchscreen, long-lasting battery life, and a built-in receipt printer. 
• Clover Go: If you’re looking for a super light and portable payment device, the Go is for you! This tiny, but mighty, device allows you to accept payments via chip, stripe, and contactless methods. The Go is ready right out of the box, so all you need to do is charge it, connect it to your smartphone, and you’re ready to start accepting donations. 
• Clover Mini: The Mini is a highly customizable, tabletop payment device that lets you accept donations easily and efficiently. In addition to simply processing payments, this device allows you to manage your entire organization with the help of POS apps. You can manage your donations, employee payroll, inventory, and so much more, all from this touchscreen device. 
• PAX A920: This portable payment device is sleek, compact, and brimming over with amazing features. In addition to accepting regular chip and stripe payments, this device allows you to accept contactless payments, which are a must-have for the COVID-19 pandemic. The PAX A920 features a full-color touchscreen, incredible battery life, and reliable connectivity. 
• PAX S920: The PAX S920 is a pocket-sized, touchscreen device that will allow you to accept donations on-the-go. It features a stunning display, a backlit keypad, lightning fast processing speeds, and a built-in receipt printer. This adaptable device will make collecting donations a breeze. 
• PAX A80: This device can be used as both a countertop terminal and a portable payment system. It features superior connectivity and reliability, an optional battery back-up for extended usage, a durable keypad, and a printer for receipts. The PAX A80 is versatile and it will allow you to accept payments via magnetic stripe, chip, and contactless methods, like ApplePay. 

Payment Gateways For Online Donations

Choosing the right payment gateway is key to providing your supporters with an easy, hassle-free way to donate to your organization online. At Celero, we recommend utilizing the following payment gateway platforms. 

• Authorize.Net: This Visa-backed gateway will help you easily accept online, over-the-phone, and contactless donations. Additionally, it includes anti-fraud protection, a database for storing supporter information, and recurring donation capabilities. It offers a feature called the Account Updater, which will automatically detect when a supporter’s card has expired, and then it will replace it with their new one. This makes accepting recurring donations a breeze! 
• PayTrace: This payment gateway is adaptable, easy to use, and offers supporters an easy way to donate to the cause they care so much about. It offers anti-fraud features, including encryption, tokenization, and signature capture for an extra layer of security. Additionally, it allows you to easily email receipts to people who donate online. This is an excellent payment gateway for organizations that want something simple, without compromising the advanced functionality. 
• NMI: Just like its short and to-the-point name, this gateway is simple and no-fuss. It offers all the features that you’ll need to give your supporters the effortless and secure donation experience they desire. NMI also offers a QuickBooks plug-in which will help simplify your accounting by automatically creating appropriate accounting entries. Like Authorize.Net, this gateway has a feature called Account Updater, that will detect when a supporter’s stored card is expired and automatically collect an updated one. 

Apps to Help Manage Your Organization 

Clover and PAX devices are designed to seamlessly integrate with POS apps that will help you save time and optimize your organization’s operations. Here are two apps that we think you’ll love!

• Bccounting: This app integrates perfectly with Clover payment devices, and it allows your donation data to be transmitted directly to QuickBooks. The transactions will be synced daily so that all of your accounting figures are up-to-date. 
• SwipeSimple: This app integrates with your PAX payment device and it enables you to accept payments anywhere with ease. It helps you keep track of cash donations, records donation data, create real-time reports, and so much more! 

Contact Us Today 

Not sure which solutions your non-profit organization should utilize? Feel free to reach out to us! One of our representatives will be happy to help and answer any questions you may have. 

Last year, the Celero Commerce executive team created a special award to recognize elite performers and culture carriers who exemplify servant leadership. Today, we’re thrilled to announce the Michael P. Duffy Leadership Award 2020 third quarter recipient, Spencer Ellis.

By the end of 2020, it’s estimated that there will be a total of $910,396 million worth of digital transactions. As the world becomes more and more digital, it becomes increasingly important for your business to offer online payment options for your customers. At Celero, we’ll help you integrate online payment processing right into your website. 

How Are Payment Gateways Used? 

A payment gateway is a software program that transmits a customer’s payment information to your company’s credit card processor. The most common use for a payment gateway is when your customer places an order on your website and they enter in their own credit card information. To provide your customer with a seamless check-out experience, they will not directly interact with the payment gateway. The gateway will just forward their credit card information to you via your website’s shopping cart feature and a secure (SSL) connection. Once you receive their information, the payment will automatically be processed. Another way that a payment gateway is used is when you or your employee manually enters a customer’s credit card information to complete a purchase transaction. Due to the COVID-19 pandemic, over-the-phone payments are becoming increasingly popular, so your payment gateway will allow you to process payments without your customer’s card being present. 

Authorize.Net 

The first payment gateway we recommend using is the Visa-backed platform, Authorize.Net. This gateway offers a comprehensive feature set that will help you easily accept online, over-the-phone, and contactless payments. Additionally, it includes anti-fraud protection, invoicing, a database for securely storing customer information, and recurring payment capabilities. It also offers a feature we think you’ll love, called the Account Updater. This feature will automatically detect when a customer’s stored credit card has expired and it will replace it with their new credit card. This makes processing recurring bill payments a breeze and it will eliminate the hassle of contacting customers to collect their updated card information. Authorize.Net is an incredible payment gateway that allows you to process online orders from your website, 24 hours a day, 7 days a week. 

PayTrace 

The next payment gateway we recommend is PayTrace. This payment gateway is incredibly adaptable, easy to use, and offers consumers an easy way to check-out. It offers advanced anti-fraud features, including encryption, tokenization, and signature capture for an extra layer of security. PayTrace fully integrates with your website’s shopping cart feature and it allows you to easily send receipts to customers via email once they place an order. It also allows you to store customer data in a secure, virtual storage vault, which will save you time and effort in getting to know your customers. This is an excellent payment gateway for businesses that want something simple, without compromising the advanced functionality. 

NMI 

The final payment gateway we recommend is from NMI. Just like its short and to-the-point name, this gateway is simple and no-fuss. It offers all the features that you’ll need to give your customers the effortless and secure check-out experience they deserve, such as integration with your website’s shopping cart feature, fraud protection, and tokenization for repeat customers. NMI also offers a QuickBooks plug-in which will help simplify your accounting by automatically creating appropriate accounting entries. Just like Authorize.Net, this payment gateway has a feature called Account Updater, that helps you deliver seamless recurring billing transactions. It will detect when a customer’s stored card is expired and automatically collect an updated one. As an added bonus, in addition to accepting regular credit and debit card payments, NMI enables you to accept electronic check payments. 

Integration With Your Shopping Cart

In this new age of online shopping, you need your payment gateway to integrate seamlessly with your website’s shopping cart. Authorize.Net, PayTrace, and NMI are already pre-integrated with most website shopping cart features, so it will ensure an easy, stress-free check-out for your customer. When your customer is ready to pay for something in their shopping cart, your payment gateway will collect their contact and credit card information and apply any shipping charges and taxes. After that, it will automatically process the credit card payment. Let one of these amazing gateways do the heavy lifting for your business when it comes to online payments, so that you can spend time on more important things, like communicating with customers! 

Contact Us Today 

If you have any questions about which payment gateway is right for your business, please reach out to us! We look forward to hearing from you. 

If you run a restaurant, brewery, or bar, your top priority is providing your customers with the best dining and/or drinking experience possible. Beyond serving high-quality food and drinks, it’s important to offer your customers the seamless checkout experience they crave. There are tons of payment hardware and software options out there, but we’ve compiled a list of our top choices for the restaurant, brewery, and bar industries. 

Hardware Designed for Quick and Easy Checkout

Clover and PAX Technology offer amazing payment hardware options that will be a perfect fit for your business. Below, we have listed the options that are specifically designed for your industry. We have included a few of their features to help you figure out which one is right for you, but if you have any additional questions, we will be happy to help. 

• Clover Station: This all-in-one smart terminal features fast, secure payment options, a touchscreen console for your customers to leave a tip or review, a cash register, and a receipt printer. This device also allows you to take orders, set-up bar tabs, accept tips, and so much more. 
• Clover Flex: The Flex is a portable, handheld device that allows you to accept payments quickly and easily. It features a high-resolution touch screen monitor, a long-lasting battery, and a built-in receipt printer. 
• Clover Mini: The Mini is a favorite for both full-service and counter-service restaurants, bars, and breweries. This sleek device features a 7” high-definition touchscreen, employee management programs, customer engagement apps, and a receipt printer. 
• Clover Go: This device has the same processing power as the other Clover devices we’ve discussed, but it packs everything into a tiny, portable package. The Go allows you to accept payments on the go with ease. 
• PAX E500: The E500 is a next-generation, point-of-sale system that will provide your customers with a seamless checkout experience. It boasts a bright, customer-facing touchscreen monitor, a high-speed thermal printer, and so much more. 
• PAX S920: This pocket-sized, touchscreen device is a favorite for the restaurant industry. It’s portable, easy to use, reliable, and lightning fast! It also allows you to accept contactless payments, which is a must-have feature during the COVID-19 pandemic. 
• PAX A80: The A80 is a highly-reliable, cost-effective device that will provide peak performance even during the busiest dinner rushes and happy hours. In addition to superior connectivity, this device features a 4” touchscreen and a speedy thermal printer. 
• PAX S80: This countertop device includes contactless payment capabilities, a reliable processor, and a large memory capacity. Combining reliability, speed, and security, the S80 is an excellent option for restaurants, bars, and breweries.  

Point-of-Sale Apps to Optimize Customer Satisfaction 

In addition to their payment hardware options, Clover and PAX Technology offer point-of-sale apps that will help improve your customer’s experience and keep them coming back for more. Here are a few of our favorite apps that are built for use in the restaurant, brewery, and bar industries. 

• Restaurant365: With this app, Clover offers restaurants an all-in-one restaurant management system that will allow you to streamline your daily operations, save money, and plan for the future. Whether you’d like to manage your workforce, monitor your inventory, or control your food costs, Restaurant365 has you covered. 
• Clavo OrderPad: This app will help you take customer food orders quickly and efficiently. With just a few taps, your employees will be able to take down orders and send them to your kitchen to be prepared. This app is also fully integrated with all Clover payment solutions, so it will help streamline the payment process. 
• Servio: Servio provides full-service, quick-service, and fast-food restaurants with effort and time-saving payment solutions designed for the COVID-19 pandemic. It will allow you to easily offer contactless, curbside, online, and mobile payment options. 
• YUMAPOS: This app is a must-have for restaurants, bars, and cafes. It allows you to organize customer orders, manage and update your menu, do deliveries, conduct email marketing, boost customer loyalty, and so much more. 

Get Started 

Clover and PAX Technology both offer an entire universe of payment hardware and software solutions, so it can be overwhelming deciding which devices and apps you will employ at your business. Please feel free to reach out to us and we will be happy to assist! One of our highly-skilled representatives will help you find the best payment solutions for your unique business needs. 

Today’s smartphones are millions of times more powerful than the computers that guided Apollo 11. Few could have predicted that these tiny supercomputers would become essential to billions of people across the globe, but here we are! In the age of COVID-19, we’re more reliant upon them than ever when it comes to staying connected, ordering food, and even contact tracing.

One of the most important features of the modern smartphone is its ability to send payments. Mobile payments allow the smartphone user to transfer money digitally in exchange for goods and services rather than paying with cash, credit card, or check. With many people concerned about the transmission of coronavirus, mobile payments are a fantastic option to minimize sharing germs, as many of them are contactless.

Mobile Payment Solutions Offered at Celero

• Mobile Wallets: Mobile wallets like Apple Pay and Samsung Pay are applications that store your credit card information so you can pay for goods and services using your smartphone. This technology is becoming increasingly popular—growing by as many as 140 million users per year! Your customers will appreciate the quick and easy POS experience afforded by mobile wallets.
• NFC: Contactless near-field communication (NFC) facilitates short-range communication between devices. Similar to technology like Bluetooth or Wi-Fi, NFC works by transmitting information via radio waves. A smartphone user waves their phone near a reader module to complete the transaction. This makes for a fast, frictionless, and hygienic way to pay.
• QR Code Payments: Quick response (QR) codes have become ubiquitous in our society, but many people still don’t realize that they can be used as an easy way to send payments. The horizontal and vertical patterns in the code direct your phone to open a browser link, confirm payment information, verify location, and more. Many stores require you to download an app before using QR codes to check out, so they’re not quite as frictionless as NFC or mobile wallets, but they’re still much easier than the traditional methods.

Take the Next Step

If you’re interested in adding mobile payments to your repertoire, contact Celero Commerce today. We offer top-of-the-line systems, such as Clover Flex and Clover Mini, that create a seamless POS experience for your customers. During a time when businesses bear a responsibility to protect their customers’ health and safety, it’s never been more important to offer clean, contactless payment options. We’re proud to provide these to our merchants in addition to special curbside, delivery, and e-commerce options.

Clover POS is unbeatable for helping doctors and dentists with practice management, from a payments and integration perspective. The Clover platform offers payment hardware solutions that will work for any size and type of practice, in addition to business integration apps that will help streamline your operations.

Payment Hardware Built for Healthcare 

The payment hardware we recommend for use in healthcare practices is called the Clover Mini. This is a tabletop touchscreen device that takes the power of Clover payment processing, and combines it with business management tools that will help optimize your practice. You can accept payments via chip, stripe, and contactless, like Apple Pay, and there’s even a receipt printer built-in. It features a high resolution 7" touch screen, a barcode scanner, and ethernet, WiFi, and LTE connectivity. 

This tiny, but powerful device offers all the tools necessary (and then some) to manage your practice efficiently. It allows for easy integration with your patient’s electronic health records, which means easier billing management. As an added plus, it also allows you to create recurring billing for payment plans that are perfect for expensive surgical procedures and treatments. It will help simplify your accounting and billing, so that you have more time to spend caring for patients. Additionally, the Mini will integrate perfectly with Clover’s wide variety of POS apps. 

Apps to Optimize Your Practice

Clover offers an entire universe of POS apps, but we thought we’d save you some time and pick out a few that will integrate perfectly with your practice. The first app we’d like to discuss is called Express Health Systems Integration. This app boasts a user-friendly interface, the ability to post payments remotely, employee and patient tracking tools, and so much more! If you’re looking for a way to simplify your practice’s billing and staffing activities, we would recommend checking out this app to see if it’s right for you. 

SimpliSign is another app that is perfect for use in the healthcare industry. If you need to collect a patient’s signature on a liability waiver, or have them sign off on procedure details, SimpliSign makes that easy. This app is integrated with DocuSign, the leading provider of e-signature services, and allows you to collect your patient’s signatures quickly and securely. Please note that before you download this app, you’ll need to set-up an account with DocuSign which can be easily done by following this link: https://www.docusign.com. 

For healthcare practices that cater to children, the next app is a fun solution for keeping your patients happy and entertained! The Fun and Games app uses your Clover receipt printer to print free games and activities for your patients. You can download and print coloring sheets, word searches, and mazes that will keep children occupied and smiling during their pre-appointment wait. If you’d like to pay a little extra to get custom coloring sheets featuring your practice’s logo, that’s an option, too! 

Integrated Apps for Every Industry 

In addition to apps focused directly at the healthcare industry, Clover offers solutions for nearly every type of business. Whether you run a restaurant, spa, gym, law firm, hotel, or any number of other types of businesses, Clover has an app for you. One app that will help no matter what type of business you run, is Feedback. This app enables you to receive direct feedback from your customers about what they like and dislike about your company, and ways you can improve your service and/or product offerings. It can help keep negative customer reviews off of sites like Yelp and Google Reviews, as customer concerns will be heard immediately after they make a purchase for services. The set-up is easy and hassle-free, and Feedback will help your practice manage its online reputation, of paramount importance for all businesses in the digital age. 

How Can We Help? 

If you have any questions about the hardware and software options available from Clover, feel free to reach out to us. There are so many payment solutions to choose from, and we would be happy to assist you in selecting the ones that are right for your business. We look forward to hearing from you! 

Inspired by a shared value of servant leadership and role models, the Celero Commerce executive team created a special award late last year to recognize elite performers who exemplify the company’s values. Now, we are pleased to announce the third quarterly recipient of the Michael P. Duffy Leadership Award, Karo Torosyan.

A 16-year veteran of Celero legacy company UMS Banking, Karo currently serves as Senior Director of Infrastructure for Celero Commerce. During his time working with the unified Celero Commerce team, Karo has been a “true culture carrier since day one,” according to Celero Commerce CEO Kevin Jones. “Karo has worked tirelessly to drive material change for Celero on a number of fronts. His work isn’t easy in normal times, but to accomplish what Karo has during a period marked by a global pandemic and civil unrest is truly extraordinary.”

Celero’s leadership team created the Michael P. Duffy Leadership Award in honor of fintech industry legend Michael Duffy, who mentored many of Celero’s leaders earlier in their careers as they served in various positions at payments industry leader Chase Paymentech. The Duffy Award is driven by peer nominations, as colleagues recognize each other not only for performance, but also leadership, especially in exhibiting attributes that abide by company values like selflessness and teamwork.

“I can’t say enough about Karo’s value to this company,” Charlie Berard, Chief Technology Officer, explained. “Karo and his team were instrumental in our COVID-19 response, quickly enabling the whole company to work remotely. In addition, he moved four legacy companies into multiple, unified technology systems to make our operations and communications more cohesive and efficient. Perhaps most importantly, Karo successfully led our annual PCI audit for the legacy UMS Banking Unit, even earning special recognition from the assigned Qualified Security Assessor for his preparation and responsiveness.”

As a Duffy Award recipient, Karo will be invited to attend Celero’s first Leadership Summit, to be held in the spring of 2021 at the company’s headquarters in Nashville.  This annual event will convene leaders across our organization to celebrate their successes and mold future leaders of our organization by discussing strategy, new fintech trends, and Celero’s market position. The summit will include the four quarterly Duffy award recipients, as well as the company’s top 10 percent of performers in other departments. C-suite executives will lead the session and have some great Nashville entertainment planned for the group as well.

Karo’s name will be engraved on a commemorative Duffy Award plaque, joining previous honorees Nicole Becher and Abigail Lucier, at Celero’s corporate offices.

According to Jones, quantifying Karo’s honor means that he is now part of a select group of standard-setters for an emerging world-class company. “In a company of more than 100 team members, Karo’s leadership and performance means that he represents Celero’s top one percent,” Kevin explained. “It’s a great honor for him, and it’s an honor for everyone at Celero to work alongside someone of Karo’s caliber.”

The next Duffy Award winner will be named in November.

Beyond finding the perfect payment processing hardware for your business, it’s important to make strategic decisions about which POS apps you’ll incorporate into your customer’s payment experience. PAX offers a wide variety of payment hardware solutions that will effortlessly complement their POS apps available for every business need. Here at Celero, we’re here to advise you about the different PAX payment systems available to help optimize your business. 

Choosing the Right Payment Processing Hardware 

PAX has dozens of payment hardware options to choose from, but here at Celero, we place emphasis on these three models: PAX A920, PAX S920, and PAX A80. We’ll briefly discuss the different models available and their specifications. First, let’s discuss the PAX A920. In addition to this model accepting traditional debit and credit card payments via chip and stripe, it also accepts no-contact payments, which is an important feature during this pandemic. With the growing safety concerns associated with customers making contact with payment terminals while completing transactions, it’s important for your business to offer contactless payment options, like Apple Pay, Samsung Pay, Google Pay. 

The PAX A920 model features a sleek touchscreen, a thermal printer for receipts, and a rechargeable battery. The next model we’ll discuss is the PAX S920. This model features a stunning, touchscreen display, the same payment processing functionality as the PAX A920, and a keypad for customers to easily enter their card pins. This model also has super-charged battery life and speed to help your business run as smoothly as possible. 

Lastly, the PAX A80 model is the perfect countertop option for small to mid-sized businesses. It offers a touchscreen display, an optional battery back-up to allow extended usage time, and advanced internet connectivity to ensure reliable payments at all times of the day. Like the other PAX models, this device accepts chip, stripe, and contactless payment options. 

Optimizing the Payment Experience with POS Apps

If you’re not familiar with what a POS app is, they are programs that can be incorporated with your payment processing hardware to increase customer satisfaction and engagement, collect customer information, boost sales, and so much more. PAX has an entire universe of POS apps for you to choose from, so whether you need help with inventory management, CRM, sales management, operations, payment solutions, data analytics, report creation, they’ve got you covered. Since the apps aren’t divided into categories based on their functionality, we recommend browsing through their list of apps to see if anything sparks your attention. Currently, there are 348 apps for you to choose from, so there really is something out there for every size and type of business. 

Our Favorite PAXSTORE App

Since there are so many apps available through PAX, it can take some time to sort through the options and make a decision about which ones you’d like to employ for your business. We thought we’d save you some time and highlight one of our favorite apps, SwipeSimple. This app allows you to easily accept credit card payments anytime, anywhere. Additionally, it enables you to record cash transactions, keep track of your inventory and sales, offer discounts to customers, track which products and/or services are selling well, and accept tips. In order to start accepting payments through this app, all you have to do is sign up with a verified reseller, download the app, and take your first transaction. This app is fantastic for participating in tradeshows, farmers markets, live events, and so much more. 

How Can We Help? 

If you need additional guidance, feel free to reach out to us. With so many options when it comes to payment hardware and POS apps, it can be hard to determine the best choices for your business, but we’re here to assist you. 

The combination of a reliable payment method and carefully selected POS apps can help you run your business and provide your customers with the best buying experience possible. If your business has been searching for the holy grail of payment processing systems, look no further. We offer the entire lineup of Clover products and services for your business, with solutions we can scale to the size and complexity of your company.

The Right Payment Hardware For Your Business

Let’s take a look at the different payment processing hardware options on offer from Clover. Let’s start with the smallest, most portable option. The Clover Go is a tiny, but powerful card reader that you can bring wherever your business takes you. As long as you have WiFi, you can use this sleek, lightweight device to accept payments via chip, stripe, and contactless, like Apple Pay.

The next option is the Clover Flex. This device features a touchscreen that allows you to accept payments from the palm of your hand. In addition to accepting the same payment methods as the Clover Go, it also allows you to accept fingerprint logins as an extra security precaution.

Next is the Clover Mini, which is a tabletop touchscreen device that incorporates the power of Clover payment processing with sales and inventory management tools. It’s an all-inclusive POS system that helps to optimize your sales and streamline your business operations.

If you’re looking for a little something extra, consider choosing the Clover Station. This is Clover’s fastest POS system and it includes everything from a cash drawer, customer-facing console, customer engagement programs, and the same payment processing power as the other Clover devices. With so many options, it can be hard to choose, but we’re here to help!

Incorporating POS Apps into Your Business

Beyond choosing the right payment processing hardware, selecting the right POS apps is a vital step for the success of your business. If you’re not familiar with POS apps, they are programs that can be incorporated with your payment processing hardware to boost sales, generate donations for your favorite charity, increase customer engagement and satisfaction, collect customer contact information, and more. The POS apps are divided into the following categories for easier navigation:

• Understand Your Business: Perform data analytics and generate business insights
• Reach Your Customers: Offer gifts cards and increase customer loyalty
• Manage Your Employees: Hire new employees and coordinate your workforce
• Organize Inventory: Manage your inventory
• Sell Online: Create websites, optimize your online presence, and sell online
• Invoicing: Create and manage invoices
• Cash Management: Save money on processing fees
• Form Building and Signature Capture: Accept customer signatures
• Fundraising: Generate donations for your favorite charities
• Customer Management: Collect customer information and receive feedback

A Few of Our Favorite Clover Apps

Clover offers countless POS apps for you to choose from, but we’ve compiled a list of a few of our favorites. One of our favorites is the Round Up for Schools app. This app is available at no cost to your business and there’s no hassle involved with the set-up or daily usage. It allows your customers to make a donation to your company’s school of choice by rounding their purchases up to the nearest dollar. Your customers will appreciate your business’ commitment to helping local schools, and you’ll be able to provide extra funds to your favorite school for supplies, academic programs, and afterschool activities.

Another favorite of ours is the Gift Easy app. Gift cards have always been an easy way to generate revenue for your business from your future sales, but ever since COVID-19 began, consumers have started favoring contactless payment options. Instead of offering a physical gift card, many companies have started offering digital gift cards that possess a multitude of benefits to both the customer and the company. Most importantly, a digital gift card allows the balance to be added to a customer’s mobile wallet, which eliminates the need for physical contact in a payment transaction and removes the cost to the company for creating an actual gift card. Gift Easy makes creating beautiful, digital gift cards easy.

If you’re in the restaurant industry, there’s a good chance that you’re feeling the negative effects of the COVID-19 pandemic more than many other businesses. If you’re looking for a POS app to help streamline your business, control your food costs, and optimize your labor force, consider trying out the Restaurant 365 Integration app. This app is a complete restaurant management solution that will connect your bank, POS devices, and vendors to help optimize your business efforts. It also provides forecasting and analytics to help you predict your potential costs and revenue.

Still Have Questions?

If you have any questions about the Clover products or services mentioned above, please feel free to contact us. There’s not enough time in the day to discuss the countless competitive advantages that Clover will bring to your business, but we’re here to provide you with any additional information you’re curious about.

It’s no secret that like many small businesses, community banks have suffered as a result of the COVID-19 outbreak. When this pandemic began, experts estimated that approximately 25-30 percent of small businesses would close, and the actual percentage is hovering around 17 percent. Additionally, community banks have been in a generational decline in the past few decades and have seen their market share drop from 40% to 12%. So how are community banks surviving in these unprecedented times? They’re taking measures to increase their fee income, diversify their offerings, and they are perfecting the loan  application and fulfillment process for the Small Business Administration’s Paycheck Protection Program.

In a time when every dollar matters, community banks have focused on analyzing their customer data to identify where fee income is being lost to their competitors. Many community banks are losing out on business because they do not offer a payment processing platform, which means their customers are flocking to their competitors for these services. While this might not seem like a big deal, it’s actually opening your bank up for more revenue loss because many of these payment processing companies offer the services you do like loans, bank accounts, payroll processing, and debit cards. Once merchants look elsewhere for a payments relationship, there’s often little to stop them from switching other services, too.

There’s an elegant solution to this growing problem.  BankMax from Celero Commerce offers community bankers sales analytics tools, payment processing capabilities, and customizable reporting. It assists with locating where fee income is being lost to competitors and it provides tools to increase your business growth. For banks without a program to help their customers process sales transactions, fee income is lost when they use your competitor’s services. But with BankMax, that’s a problem of the past. Now your customers can perform sales transactions using your devices and your program which equates to savings for them and revenue for you! Celero provides a variety of payment devices ranging from our countertop cash register to our smaller handheld device for on-the-go payments. Your customers will love the selection and the flexibility of the service offerings.

Additionally, COVID-19 has encouraged merchants to switch over to contactless payment options for hygiene reasons, and with BankMax, this transition is made simple. BankMax offers customizable contactless payment options like online payment portals, digital gift cards, and tap-to-pay transactions. Tap-to-pay transactions using mobile devices have become increasingly popular as merchants move to contactless payment options due to concerns about COVID-19. It’s a safer, easier way for people to make purchases, and BankMax has worked hard to make this process easy for community banks and their customers to adopt.

Another bright light for community banks is the aforementioned  PPP loans. While larger banks struggled to provide their customers with these loans, with some troublingly focusing only on larger customers with larger loans to generate larger fees, smaller community banks nimbly served millions of small and mid-sized businesses. Community banks have an advantage over large banks because they know their customers better, they understand their needs and wants, and they truly value their relationships. Their personal relationships with their customers help to streamline the loan issuance process, which helps their customers get the funding they need in a timely fashion in addition to increasing the bank’s fee income. It’s a win-win situation for the customer and the bank.

While these uncertain times can be frightening, there are so many tools out there to help your bank succeed despite the challenges facing our country and world. Let Celero Commerce  be your resource and consider signing up for BankMax today. The opportunities for growth are out there, and we’d love to help your bank and the merchants in your community grow.