If you’re looking for ways to improve your business, it’s crucial for you to incorporate one or more business management apps into your operations. PAX, the cutting-edge payment device provider for many businesses, offers countless integrated apps that will help to improve your checkout experience, increase customer loyalty, schedule appointments, and more. Here are 3 apps that you should consider utilizing in your business. 

Loyalzoo

Let’s start with Loyalzoo. With this program, creating an effective loyalty program for your business has never been simpler. In just a few minutes, Loyalzoo will assist you in creating a completely digital loyalty solution that will have your customers coming back again and again. At checkout, your customers will be prompted on your payment device to enter their email address or mobile number. As a way to re-engage customers and guide them back to your store, this app will send out 2 or more promotions per month to each customer. On average, businesses who utilize this app for increasing customer retention grow their revenues by an impressive 11 percent!  

Quantic Smart Terminal 

With the Quantic Smart Terminal app, taking payments becomes the easiest part of your job! This terminal perfectly integrates with your PAX device and allows you to easily process payments, add on tips, calculate surcharges, and print receipts. Additionally, if you need to issue a refund, this app allows you to do that quickly and without hassle. This highly functional program features a sleek and user-friendly design that your employees will absolutely love. If you’re searching for an app that will help to improve both the efficiency and overall look of your business, Quantic Smart Terminal is your solution. 

Sky Salon Scheduler

If you’re interested in simplifying your appointment-booking management, look no further. With the click of a button, the Sky Salon Scheduler app lets you schedule appointments, customize service packages, add or edit services at the last minute, and take payments. With their offline mode, you’re able to schedule and edit appointments even if your internet goes down. This incredible app also has a built-in loyalty program, full-integration with Google Calendars, and multiple language settings including English, French, and Vietnamese. By utilizing this app, you will drastically simplify your scheduling process and reduce errors. 

Learn More 

If you’re interested in learning more about apps that will help to improve your business, please reach out to us. PAX offers hundreds of incredible apps so it can be incredibly tough to sort through them and decide which ones will work best for you and your employees. Celero is here to help you with this process! We’ll take a look at your unique business needs, select the apps that will help to optimize your operations, and discuss the next steps with you. 

Due to COVID-19, countless businesses are fighting to maintain profits and keep their doors open. Despite the billions of dollars in support that the government has issued to support businesses, more than 100,000 small businesses have closed during the economic downturn caused by the COVID-19 pandemic. To help businesses through this tough time, we are proud to offer merchant cash advances. Keep reading to learn how we can help you and your employees! 

The Downfalls of Traditional Funding 

Applying for a bank loan can sometimes be time-consuming and frustrating for many business owners. The worst part is that after you put in an enormous amount of effort into the application, the chances of getting approved are relatively low unless you have perfect credit. Even if you’re lucky enough to be approved for a loan, it can take months to receive the funds. During a pandemic, waiting months for a cash infusion into your business could mean the difference between survival and shutting down.

As for governmental support, a majority of the loans and grants available are part of the Paycheck Protection Program (PPP). As their name suggests, these funds are primarily meant to cover payroll expenses. While they can be used to cover other business expenses, they are highly regulated and there are many stipulations for participating. Additionally, the amount you’ll receive from a PPP loan will likely only cover a few months of payroll expenses. 

The Beauty of a Merchant Cash Advance 

As opposed to regular bank loans and PPP funds, our merchant cash advance program offers speedy funding, high approval rates, and no business-use restrictions. Even if your credit is less than perfect, Celero can provide your business with a cash advance. The way this program works is simple:  we provide you with working capital against future credit card sales from your customers. When they make purchases, repayment of the funds will be collected automatically. It’s simple, easy, and straightforward! 

Most importantly, we provide quick funding which is vital during this pandemic. Many banks take weeks or even months to provide funds but you can get a cash advance within a few days. If you’re struggling to pay the bills and keep your business running, there isn’t time to waste. With these funds, you can pay for rent, payroll, taxes, business expansion plans, marketing campaigns, or any other expenses that might come up. We designed this program to be flexible because you’re the person that best knows what your business needs right now. 

Get Started Today

If you’re interested in taking advantage of our cash advance program, please reach out to us. There are so many businesses struggling to maintain profits right now and the only way we can make it through this hard time is by working together. 

At Celero, our goal is to be the payments provider of choice to community banks nationwide. In our efforts to be the leader in merchant solutions for small and mid-sized businesses, we never stop looking for ways to serve the partners who first capitalize and then sustain entrepreneurs in virtually every industry, from rural America to large metropolitan areas.

Our latest innovation in the service of community banks is here. Introducing the Portfolio Purchase Program from Celero Commerce.

With our Portfolio Purchase Program, you’re able to monetize your portfolio and receive an immediate payout. With these funds, you can powerfully reinvest in your team and merchant services program while adding meaningful revenue to offset the challenges presented in many communities by the COVID-19 pandemic. 

When you partner with Celero Commerce, you’ll alleviate concerns related to merchant attrition by monetizing today’s relationships, all while continuing to build your business over time with the people who know merchant solutions best.  With our Portfolio Purchase Program, we’re offering up to 36 times the current monthly residual income from your portfolio. Celero gives you the freedom to choose your level of divestment. Sell some of your portfolio to us, or sell all of it. 

It’s a win-win for you and the small businesses that make your community a special place. We are committed to bringing the most comprehensive set of solutions, ranging from mobile and contactless payment options to integrated platforms designed to optimize financial and operations management of restaurants, medical practices, field services businesses, and a whole lot more.

Contact Celero Commerce today to learn more about our new Portfolio Purchase Program.

It’s no secret that the pandemic has altered almost every aspect of our lives. Today, we’d like to discuss a few of the major changes that have occurred in the payments industry and whether or not they will remain even after the pandemic is over. 

The Decline of Cash Payments 

In the past few years, many American consumers have started to largely phase out cash payments from their lives, in favor of credit card payments. However, the pandemic has accelerated this transition like no other event in American history. According to a study from the Pew Research Center, 34% of American adults under the age of 50 say they don’t make any cash purchases throughout the week. The younger generations have definitely led the transition from cash to digital payments but from this statistic, it’s obvious that cashless payments are popular among a variety of age groups. 

The Future of Payments is Contactless

Unlike other countries, the adoption of contactless payment technology in the United States has been incredibly slow. According to a 2018 study from A.T. Kearney, America was lagging significantly behind countries like the United Kingdom and South in terms of the utilization of contactless credit cards. In the year of the study, approximately 3% of American cards were contactless, versus 64% in the United Kingdom and a staggering 96% in South Korea. 

Fast forward to 2021, contactless payments have seen a dramatic increase in popularity throughout the United States. Due to hygiene concerns associated with the COVID-19 pandemic, contactless payments are at an all-time high and they don’t seem to be going anywhere anytime soon. Since March 2019, the number of contactless payment transactions increased by 150%, and as the pandemic drags on, this number will continue to grow. In order for businesses to stay profitable right now, it’s imperative they utilize a payment device that allows for effortless contactless payments. If you’re interested in learning which device will work best for your business, please reach out to us. 

Are These Changes Permanent?

Although we can only speculate at this point, we strongly believe that these changes to the payments industry will remain even after the pandemic is over. Why? Here are just a few reasons:

• Contactless payments are more hygienic than cash payments and they can help prevent the spread of germs. 
• In the beginning, many of us were wary of completing a transaction without swiping our card or scanning our chip, but over the past year, many consumers have grown accustomed to contactless payments. 
• The United States was already headed in the direction of a cashless society and the pandemic has just accelerated the adoption of contactless payments. Due to the health concerns associated with cash payments, 2020 was probably experienced three to five years’ worth of progress in terms of technology adoption. 

Contact Us 

Is your business interested in learning more about payment solutions built for the pandemic? Please contact us today and one of our skilled representatives will be happy to assist you! We look forward to hearing from you. 

In addition to providing high-quality payment processing hardware, Clover offers a number of cutting-edge business management apps that will help to streamline your operations. Today, I’d like to discuss a few game-changing apps that you should download today. 

Customer Upload

The Customer Upload app is guaranteed to save you time when transferring your customer database to your Clover payment device. All you have to do is download a copy of your customer database and upload it to this user-friendly program. Once uploaded, your customer data will automatically populate on your Clover hardware. If you're unsure about performing this upload process yourself, the software developer will handle it for just $39.96. This app is a must-have for anyone new to Clover. 

Shopventory 

If your business maintains inventory, it’s crucial that you have a reliable monitoring system to make sure you’re well-stocked for your customers. Shopventory makes tracking your inventory, analytics, sales, and vendors easy. However, this app is so much more than simply an inventory tracking program: It’s a comprehensive application that will ensure the health of your entire business by monitoring your cash flow, workforce, shrinkage, and more. 

Homebase

Creating schedules and managing your hourly employees can be tricky and time-consuming without the right software. Thankfully, the free app Homebase is here to help with employee time tracking, hiring, onboarding, labor costs, and scheduling. Additionally, it offers features designed for the COVID-19 pandemic such as health and safety screening questions employees will be prompted to answer as they clock-in. 

VivaSpot

This marketing app allows your business to provide free wifi to your customers while simultaneously pushing promos to them and collecting their contact information for future use. It captures and stores your customer’s mobile phone information and sends them text messages with special promotions and coupons. Additionally, VivaSpot takes down customer email addresses so that you can quickly grow your company’s email list and expand the audience you’re marketing to. The best part is that this app is completely free! 

Analytics BusinessQ

Accurate and up-to-date analytics are vital to the success of your business. There are countless apps that will help generate insights into your organization, but Analytics BusinessQ goes one step further: It helps you turn those insights into action and results! With the click of a button, you can choose to either generate a quick bird’s eye view report or a highly detailed, comprehensive one. With the help of their reports, charts, action plans, and dashboards, you can feel confident in your business decisions. 

Learn More  

Are you interested in learning more about the incredible business management apps available from Clover? Please contact us today and one of our highly skilled representatives will be happy to assist you. Your business has unique needs and we’re committed to providing you with customized solutions that will boost your profits, increase customer satisfaction, simplify analytics, and so much more. 

With the help of Celero’s proprietary BankMax program, your financial institution will have all the tools and hands-on assistance needed to grow your commercial deposits, loans, and recurring fee income. 

Advanced Data Mining and Sales Tools 

Through sophisticated data mining and analysis, our team will help you identify promising fee income opportunities, potential clients, and at-risk deposits. Once you’re armed with this vital data, you’ll be able to make business decisions with confidence and guide your associates straight to success. In addition to providing you with the data you need when you need it, the BankMax program offers sales tools to help track sales, revenue goals, and sales projections. To assist your associates with more complex merchant pricing, we’ll provide your organization with real-time pricing tools, pricing analysis, and detailed comparison statements. Potential merchant services clients love our transparent and no-nonsense pricing model.

Strategic Planning Made Simple

Now more than ever, bankers rely on data to make decisions about their next moves. While a mile-long database might contain insights that will improve your organization, it’s useless without the proper formatting and display. At Celero, we’re experts at making data live and breathe. We’ll provide you with streamlined and visually engaging analytics, detailed daily merchant reports, and sales reporting to help expertly guide your decision-making. What used to be a time-consuming and tedious process--or just outright undoable--is now simple and straightforward. 

Developing a Sales Culture 

It can be challenging to properly train and motivate your associates to cross-sell and refer the many services available to your commercial clients. However, our cutting-edge solutions are increasingly in demand by businesses so it’s more of a matter of properly communicating their value to your clients. We’ll direct your team through the entire sales process, all the way from training to closing their deals. Developing a sales culture doesn’t happen overnight, but with the help of our comprehensive sales training program and competitive products, your team members will be closing deals with ease in no time. 

A System That Consistently Delivers Results

Through our experienced team, our merchant sales practices have been tweaked to perfection, and they are proven to deliver results. In fact, our methods are so successful that for most of the financial institutions we work with, they are ultimately implemented into all other banking products and services. The BankMax program turns your associates into skilled sales professionals who are well equipped to help grow your portfolio of commercial clients. 

Contact Us Today

Are you interested in learning more about the BankMax program? Please contact us today! We will be happy to walk you through how this program will help your financial organization grow and thrive. 

When the pandemic first began, many of us thought everything would blow over in a matter of weeks or months. Fast forward to a year later, COVID-19 is an issue still very much on our minds and the world has not returned to normal in any sense of the word. In this tumultuous time, many small businesses are struggling to maintain profits and keep their doors open. Today, we’d like to share a few tips for keeping your business afloat during this worldwide crisis. 

Redesign Your Offerings 

Even as states relax their stay-at-home restrictions and allow businesses to reopen, many consumers are still wary of visiting shops in-person. In order to adapt to this new world of social distancing, it’s vital for your business to take a look at your offerings and determine how they can be changed to suit this new virtual world. For example, Delicious Wines Crew, of Napa, California, specializes in wine appreciation and education. They recently started offering virtual wine tastings. By taking advantage of video conferencing tools like Zoom and Skype, they’re able to continue hosting wine tastings and keep this stream of revenue flowing. You’d be surprised how many of your offerings can be creatively adapted with the help of technology. 

Stay Current on COVID-19 Updates 

As a response to the pandemic, Celero has compiled an extensive list of resources to help your business stay informed and profitable. Take a look at our free and regularly updated COVID-19 Survival Kit for resources ranging from state reopening guidelines to webinars with helpful business advice. Our number one priority is to help small businesses survive this incredibly confusing time, and we hope that this information will be helpful to you. 

Embrace E-Commerce 

As more customers opt to shop online, it becomes increasingly important for your business to take advantage of e-commerce payment solutions. To sell your products and services online, you’ll need to set-up a payment gateway and optimize your website for online shopping. If you’re not familiar with the term “payment gateway,” it’s a software program that securely sends a customer’s payment information to your company’s credit card processor. While there are many options available, we recommend utilizing Authorize.Net, PayTrace, or NMI. Each platform offers unique benefits and the Celero team is here to help you decide which option is right for your business. 

In addition to selecting the right gateway, you’ll need to integrate shopping cart technology into your website. This will make it easy for customers to make purchases and it will streamline their checkout experience. Additionally, it makes keeping track of inventory easier. Each time a customer makes a purchase, your shopping cart will keep a count of each item sold and communicate with your inventory tracking solution. Please contact us to learn more! 

Contact Us 

Are you interested in learning more about ways to keep your business going during the pandemic? Please reach out to us today and we’d be more than happy to assist! Everyone can use a helping hand right now. 

With so many small businesses struggling to make it through the pandemic, good news can be hard to come by. But today, we’re excited to share some much-needed good news about one of our merchant partners, Break Even Golf.

From going to the movies to playing pick-up basketball, many social activities have been temporarily halted by the COVID-19 pandemic. But golf—an outdoor game that is easy to play while social distancing—has fared better than most. That’s been a gift for Break Even Golf, whose signature product, the Pyramid Putter, found major success during the pandemic.

“COVID restrictions started going into effect around March 17^th, and we launched the Pyramid Putter two days later on the 19^th,” said Derrick Dobbin, Managing Principal at Break Even Golf. “The explosion of golf during COVID helped us immediately and we were successful out of the gate.”

With its unique and innovative design, it’s no wonder that the Pyramid Putter took off quickly. This special putter is designed to keep a putt going straight on its intended line, even with off-center strikes. Its horizontal grooves give the ball top spin, preventing it from skidding or bouncing off line, while pyramid-shaped grooves on the leading edge make it easier for players to line up with the target. The Pyramid Putter helps golfers sink an extra five to eight putts per round.

“Golf customers are very intelligent,” said Derrick. “They’re picky about new products and inventions, so it’s hard to penetrate the market. For a small company with a great idea, the best entry point into the golf business is through direct-to-consumer digital and social media marketing.”

Through a combination of email marketing campaigns, social media advertising, and a few commercial slots on the Golf Channel, the Pyramid Putter gained a lot of momentum in a short period of time. It certainly didn’t hurt that the product was endorsed by famous golf player and TV personality Blair O’Neal.

“We’ve built our credibility by partnering with PGA professionals, teaching pros, and other leaders in the golf industry,” Derrick said.

He believes there’s a reason why golf became so popular over the past year, beyond the fact that it’s safe to play in a pandemic.

“It’s mentally challenging. It takes skill, practice, and patience,” he said. “The more I play, the more I appreciate the culture of integrity that surrounds the game. It’s up to you to track your own score and play by the rules.”

Break Even Golf operates on a 100 percent E-commerce model, selling all Pyramid Putters through their website. The Celero team set them up with Authorize.net, an ultra-secure payment gateway service that enables merchants to accept credit card payments over the web. Nationwide, Celero is a top 10 reseller of Authorize.net, which is also Shopify-compatible.

If you’d like to learn more about the Pyramid Putter and stay up to date on new product launches, visit www.pyramid-putters.com. Those of you who made it to the end of the article, congratulations—we’ve got a surprise for you! The team at Break Even Golf was kind enough to create a special coupon code that you can redeem for 20 percent off. Just use the code CELERO20 at checkout.

The Duffy Award is the highest accolade at Celero Commerce. Every quarter, the executive team names a winner who exemplifies Michael P. Duffy’s legacy of servant leadership, elite performance, and respect. The Super Duffy, which is awarded just once per year, is a special distinction given to someone who has exemplified the Duffy Award values throughout the entire year. This award is reserved for the best of the best, not only at Celero, but in the fintech industry as a whole.

The Celero Commerce executive team established the Michael P. Duffy Leadership Award in 2019 as a way to honor those who go above and beyond in their leadership, dedication, and teamwork. Today, we’re so proud to announce the 2020 fourth quarter recipient of this award: Vice President of Bank Relationships, Kristia Poppe.