Articles
Al Valente is the author of our articles, he is a former consultant and author from the computer field in Boston, who since 2007 has been focusing specifically on the payments industry.
Read Al's full bio on LinkedIn
Articles and Videos by Al Valente
Bittersweet on Rewards Credit Cards
When customers pay with rewards cards at our stores, it jacks up interchange fees. On the flip side, when we shop we can use those same rewards cards to our favor.
The 2023 Holiday Shopping Buying Volume Forecast – And It's Still Good
There’s currently a lot of concerns whether the 2023 holiday shoppers will spend as robustly this year as last. I’ve summarized a recent Harris Poll for your use.
Rhode Islanders Save Big On Credit Card Processing Fees
It is called surcharging and Rhode Island business owners, if they choose to, can pass along those nasty credit card processing fees to their customers and save thousands of dollars.
What'
s the Hubbub About Buy Now Pay Later?
Buy Now Pay Later is all the rage with millennials and Gen Zers, but how is it different than buying with standard loan devices like credit cards? How is it better? How is it worse?
Stay Safe: Less Virus Spreading with Contactless Credit Card Processing
As retail comes out of lockdown, there are measures you can employ to mitigate exposures to viruses by staff and customers as you get safely paid.
Jump Start an Ecommerce Page -- It' Easier than you Think
During the Coronavirus outbreak many business are forced to shut down. Without customers visiting your business, this represents a severe drop in income. But there is one thing you can do to tap into those buyers sitting at home that are bored and surfing the web -- continue to sell your popular items to them online. Read about this quick, easy and affordable means to jump start an e-commerce page.
Mystic Matters: History of Payments, by Al Valente
An interview by the Greater Mystic Chamber of Commerce on Al's role as Chairman of the Board, and his tutorial on payments: past, present, and future.
POS:Point of Sale Systems on an iPad–Power at your fingertips
As the saying goes: " knowledge is power ". That 's how the big box stores got so big by analyzing reams of customer purchase data. Think your shop is too small to have access to that kind of knowledge, think again. The IPad which forever changed the way we consume context at home, is now transforming the small business environment.
Apple Pay Finally Makes Digital Wallets a Reality
Digital Wallets have been around for years but haven't been widely adopted by the general public. Even the big players like Google and the wireless carriers couldn't move the needle. Apple Pay was launched on October 20, 2014 and it's going to be a game changer. Should merchants rush to adopt?
Electronic Invoicing and Payments Are Here and Now
In business, cash flow is king, here is a simple means to reduce your receivables, get paid quicker and protect your customers' credit card data.
Bitcoins: A Payments Disruptor or 'Flash in the Pan"?
What do Overstock.com, reddit, wordpress, and Virgin Galactic all have in common? Well, they"ve begun accepting Bitcoins. But, if you think it"s only fringe companies looking at it, consider that both PayPal and eBay are also taking a very close look, find out why.
Credit and Debit Card Holders …It's Time to Get Smart
If you ever shopped at a large department store or online, beware your credit card may have been stolen, here's what to do.
A Big Win for Small Business and Free Money to Boot
With the completion of the September 12, 2013 final court hearing, small business owners can begin to collect monies from the Visa MasterCard class action settlement, here's an update.
What is EMV and Why Should I Care?
Smart credit cards will soon be a requirement of all merchants in the U.S., will you be ready?
Business Owners - Are You Entitled to a Piece of a $6 Billion Fund
It's true, there was a class action settlement awarded against Visa and MasterCard as well as some large banks, how can you get some of it?
Are We Heading Toward The End Of Money?
Paper money as we know it will soon disappear. Your cell phone will be your wallet.
Will There Soon be Surcharges for Using Credit Cards?
Part of the settlement against Visa and MasterCard now allows merchants to tag on a surcharge if customers choose to pay by credit card, does your state qualify?
Business Owners - Are You Getting Your "Durbin Dollars" ?
Although a law was passed in 2011 to roll back interchange fees on certain debit cards, few merchants are receiving what they're legally entitled to.
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