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Prolific Business Solutions
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Proficient. Profitable. PROLIFIC.
Proficient. Profitable. PROLIFIC.

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The new year is right around the corner - hit "like" if you've made your New Year's resolutions already!

Have yourself a Merry little Christmas!

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For the first time in history, American consumers took advantage of Black Friday sales online instead of in stores, spending a record-high $1.042 billion on e-commerce alone—up 26% from last year. The National Retail Federation predicts that Americans will spend around $750 on average on their holiday purchases this year.

Benji's Tip on Avoiding Chargebacks: Ship Merchandise Before Depositing Transaction – Don't deposit transactions with your merchant bank until you have shipped the related merchandise. If customers see a transaction on their monthly Visa statement before they receive the merchandise, it could lead to a preventable chargeback for "merchandise never received."

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Fun fact about money: The first paper notes were printed in denominations of 1 cent, 5 cents, 25 cents, and 50 cents.

Benji's Tip on Avoiding Chargebacks: Some Visa cards have a digitized cardholder signature on the front of the card for easier viewing; however, these cards also have a signature panel on the back of the card. Sales staff must always compare the customer's signature on the sales receipt with the hand-written signature in the signature panel on the card.

If you haven't finished your Holiday Shopping yet, then you may enjoy these insightful shopping and savings tips from Forbes!

http://www.forbes.com/sites/moneywisewomen/2012/12/05/more-holiday-shopping-tips/

Benji's Tip on Avoiding Chargebacks: The cardholder's signature on card-present transactions is required. Failure to obtain the cardholder's signature could result in a chargeback for "no signature" if the cardholder denies authorizing or participating in the transaction.

Take a look at this infographic to see how much Americans spend over the Holiday season, as well as this year's trending gifts!

Have you finished your holiday shopping yet?

http://ow.ly/fNtWG
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