From the Fresno Bee today, 4-28-16:

April 27, 2016 9:20 AM

Tech transition makes retail payments a confusing mess

Swipe your credit card or insert it in a slot?
Can you find a merchant that takes Apple Pay or Android Pay?

Out of the 1.2 billion payment cards in use in the United States, about half of them now are chip cards, according to the Electronic Transactions Association, which is the payment industry’s trade group. Francine Orr Los Angeles Times file

Read more here: http://www.fresnobee.com/news/business/technology/article74185967.html#storylink=cpy

You’ve got to remember to not pull out your card before the process is done for fear that the payment terminal might beep at you or a clerk might yell at you, or both.

And if you’re savvy enough to have Apple Pay or Android Pay set up on your phone, good luck finding a merchant that accepts either. Heck, you may even have a tough time finding a merchant that knows about either one.

In terms of how to pay or which way you can pay, “you don’t really know what to expect when you go into a store,” said Jordan McKee, a senior analyst who covers the payments industry for 451 Research, a tech industry consulting firm. “It’s an absolute mess.”
(Read article here.) 

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YOU GUYS HAVE YOUR WORK CUT OUT by getting merchants into 2016 (see above) -- let alone telling relevant merchants about Zero Cost Credit (see below) AND the fantastic DW Audits for businesses (also see below)! 

We should all be doing this full time like our hair's on fire!

Who'll be first?

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ZCC -- (great video in your DW interface) -- plus a few items here...

• Zero-Cost Credit^™ Accept Credit Cards For 0%

  For All Merchants

• Pass on your full cost when consumers choose credit cards
• Receive 100% of the amount of your sale
• Pay only for the debit cards you accept
• 
  

THE RULES HAVE CHANGED

New rules allow merchants to add a fee for the use of credit cards. Merchants are not permitted to add a fee to debit cards.

Our patent-pending technology ensures regulatory compliance by determining whether a given card is a credit card or a debit card before the transaction is processed. Zero-Cost Credit automatically applies a fee whenever a credit card is swiped or entered so that you receive 100% of the amount of your sale.

Zero-Cost Credit increases consumer fairness.

Credit cards cost more to accept than cash or debit cards. Under the old rules, merchants were not able to add fees for the use of credit cards, so they passed on this cost to all customers.

When all customers bear the cost of credit cards, the average credit card user receives a subsidy of $1,133 each year from customers who choose cash or debit.¹

¹ Federal Reserve Bank of Boston, “Who Gains and Who Loses from Credit Card Payments?” Public Policy Discussion Paper No. 10-03, 2010.

Not suitable for all merchants, but great for some  categories including tow truck operators, electricians, plumbers, aviation services, as well as extremely beneficial for schools, government entities, tutoring services. 

(Not to mention this product has GREAT RESIDUAL for you!!)

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Great Audit call with Jim todaty -- notes tomorrow.  In the meantime check the DW Audits page here to view some industries you can help with an audit. Click on each link for info.

BUT WAIT -- THERE'S MORE!!

Your merchant wants to franchise himself?  YOU CAN HELP!

The undeniable worldwide success of franchises, is due to the enormous advantages it offers, consisting of a very stable model to expand a business and penetrate markets. It is also the safest and least risky way for an entrepreneur to own a business, making him the beneficiary of the synergies that franchising offers, that is, to be part of a regional, national or worldwide network. What is a Franchise? It is a strategy that allows for the penetration and domination of markets, that permits the owner of a trademark to reproduce the elaboration of goods and / or services that he has developed successfully, through the implementation of administrative and operative procedures, so that a third party that invests work and capital, can reproduce them in other markets with the same quality.

The main consideration so that a Franchisor requires the transfer of his know-how, is that he doesn't have enough capital to expand his business/trademark to other markets, and therefore requires of a third party (Franchisee) in order to achieve this. What is a Franchisor? It is an individual or company that possesses a certain trademark and marketing technology (know-how) of a product or service, who contractually cedes the rights and transfers the use of these, as well as committing himself to provide support and assistance in the organizational, managerial, administrative and marketing areas to the business of the franchisees. What is a Franchisee? It is an individual or company that contractually acquires the right to market a product or service within an exclusive market, utilizing the benefits that he gets by using a certain trademark, and the support he receives in the training and management of the business. Advantages for the Franchisor Strengthening and preservation of his trademark. Low investment in the expansion of his business. Better operative efficiency in the new units directly operated and supervised by the Franchisees. Increase in the coverage and development of markets. Charge of an initial fee for the rights to use a trademark (which allows him to recuperate in the medium term the investment made in the development of the franchise system). Charge of monthly royalties based on the gross sales of the products and services marketed through the awarded franchises. Advantages for the Franchisee Reduction in the risk and uncertainty factors by investing in a proven business format. Permanent innovation in the methodological and technological aspects of the business. Continuous support on the part of the Franchisor. Documented training based on the Operative Manuals. Access to administrative control systems and evaluation of the performance of his point of sale. Training in the productive processes of products and services. Sense of belonging to a consolidated network of franchises. Access to promotion and advertising programs. Increase in his personal prestige by getting involved in a successful business concept. If you require a professional with ample experience in the subject of franchises, contact us today!

Set up a Discovery Call for him today with our Franchise Specialists and let them handle the rest -- and YOU get paid.  Very well.

Yes, you're going to get used to this!

Read more here: http://www.fresnobee.com/news/business/technology/article74185967.html#storylink=cpy

Read more here: http://www.fresnobee.com/news/business/technology/article74185967.html#storylink=cpy

Cleaning Crew News!

WE GOT OUR EARLY CHRISTMAS PRESENT FROM DIGITAL WORLD!  NEW INTERFACE!!

The training is off the hook; videos are 'whoa, Nellie'; and there are marketing videos you can share from inside your interface and they track back to you like this.

 To sign someone up as Agent?  Send 'em here.  (Use the link from YOUR interface, of course!)

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It was great to see one of our Founding Agents for lunch yesterday, the lovely Angelia Harrington, visiting from Georgia!

Angie Rocks!

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This from Avita:

"Thanks. Agents can now upload statements direct from their phone. tablet or computer to the system as well."


Avita Pizano    

Sales and Support Manager - DW

 

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We get asked every now and then about buying leads -- love the great video advice section from the Planning vid with specific website suggestions!  

 

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Great call just now from Agent Ronald M. in MS, who is currently signing 2 merchants -- a barbershop and hair salon -- and told me he has decided to focus on building his DW biz only! 

WAYTOGO, RON!  

 

 

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If you've ever heard John talk about his experience with A.L.Williams decades ago and the effect it had on his life, you can begin to understand his DW vision.  Perhaps this quote from A.L.Williams himself  to a crowd at the Georgia Dome in 2011 expands the picture:

 

Addison introduced his mentor – Art Williams – who had founded the A.L. Williams & Associates life insurance company in 1977. 

A.L. Williams later became Primerica.

As he came on stage, Williams was greeted with an even louder and longer standing ovation. This was the first time in 20 years that Williams had addressed a Primerica gathering, and the attendees were making up for lost time.

Williams, who became a billionaire while building A.L. Williams, came out dressed in khaki shorts (that didn’t hide a knee brace on his left leg) and a long‑sleeved T‑shirt that said “Do It BIG.”

“I wore my coaching clothes tonight,” said Williams, a former high school football coach, who began coaching the crowd – much in the way he had run the insurance company decades ago.

“A.L. Williams was born with 85 people here in Atlanta, Ga.,” Williams said. “We had a crusade, and we grew to an army of 225,000. You know what?”

“You know what? In 1977, 86 percent of life insurance was cash value life insurance. Today, 95 percent of life insurance is term. And A.L. Williams did that. We changed and cleaned up an industry.” 

“You know what? In 1977, 86 percent of life insurance was cash value life insurance. Today, 95 percent of life insurance is term. And A.L. Williams did that. We changed an industry.” - See more at: http://www.primerica.com/public/news/art-williams-primerica.html#sthash.7DaHiAzk.dpuf

- See more at: http://www.primerica.com/public/news/art-williams-primerica.html#sthash.7DaHiAzk.dpuf

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DW, anyone?  Our mission is clear:  HELP MERCHANTS and establish a solid, long-lasting company that can 'change an industry'!
 

As he came on stage, Williams was greeted with an even louder and longer standing ovation. This was the first time in 20 years that Williams had addressed a Primerica gathering, and the attendees were making up for lost time.
Williams, who became a billionaire while building A.L. Williams, came out dressed in khaki shorts (that didn’t hide a knee brace on his left leg) and a long‑sleeved T‑shirt that said “Do It BIG.”
“I wore my coaching clothes tonight,” said Williams, a former high school football coach, who began coaching the crowd – much in the way he had run the insurance company decades ago.
“A.L. Williams was born with 85 people here in Atlanta, Ga.,” Williams said. “We had a crusade, and we grew to an army of 225,000. You know what?”
“What?” the crowd roared back.
“You know what? In 1977, 86 percent of life insurance was cash value life insurance. Today, 95 percent of life insurance is term. And A.L. Williams did that. We changed an industry.”
- See more at: http://www.primerica.com/public/news/art-williams-primerica.html#sthash.7DaHiAzk.dpuf

 

Addison introduced his mentor – Art Williams – who had founded the A.L. Williams & Associates life insurance company in 1977. (He’s not related to Rick Williams.) A.L. Williams later became Primerica, but at the 2011 convention, it was as if Primerica and A.L. Williams had reunited in spirit.
As he came on stage, Williams was greeted with an even louder and longer standing ovation. This was the first time in 20 years that Williams had addressed a Primerica gathering, and the attendees were making up for lost time.
Williams, who became a billionaire while building A.L. Williams, came out dressed in khaki shorts (that didn’t hide a knee brace on his left leg) and a long‑sleeved T‑shirt that said “Do It BIG.”
“I wore my coaching clothes tonight,” said Williams, a former high school football coach, who began coaching the crowd – much in the way he had run the insurance company decades ago.
“A.L. Williams was born with 85 people here in Atlanta, Ga.,” Williams said. “We had a crusade, and we grew to an army of 225,000. You know what?”
- See more at: http://www.primerica.com/public/news/art-williams-primerica.html#sthash.7DaHiAzk.dpuf

 

From the dwpinterface:










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Pivotal Payments "The Partner You Keep" from Pivotal Payments on Vimeo.