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Choosing a Visa card design

Banks and other financial service companies differentiate their services in many ways. Some ways, like what fees they may charge for their services, may be restricted by state or federal laws. Other options, like the design on a prepaid debit card, is limited only by the imagination.

Consumers who like to have a bit of style and flair in their card design often have a choice. They can go with the traditional color and design schemes, or they can say goodbye to the dull standard versions and go with something that can project personality and style to their shopping experience.

Black is the new black
Black is a color that is often used by credit card companies to market cards to high income customers in order to give off an air of exclusivity and sophistication. Choosing this color may make a prepaid card almost indistinguishable from all the sleek, shiny plastic of high rollers. Some brands, like the Kaiku Visa prepaid card, go all-out minimalist for sophistication and class.

Patterns and colors
Rather than going with a monochrome look, some banks offer colors and styles inspired by the psychedelic 1960s, nature, or modern art. These kinds of patterns give consumers a way to showcase their individual personality every time they shop. They can also make great ice breakers for starting a conversation.

Pictures with personality
Some proud parents like to put their child’s picture on their debit card. Others might opt for cuteness with photos of little furry animals, and others still might project a fantasy vacation with a photo of bright and sunny beach. The sky is the limit when it comes to personalized debit cards: As long as you have a picture and a little extra time, you can decorate it any way you wish.

These are just a few ways banks and credit unions might allow customers to decorate a prepaid card. Every design makes its own statement, and if the customer has second thoughts about that statement, they can simply go back to their provider and order up a different look.

Credit processing is key for both online and traditional business

Today, there are more people who are either thinking about starting an online business or have already taken positive steps to do so. There may be many reasons, to do so, including a firm belief in a product or service, or a desire for financial independence.

No matter the product or service, an online business gives the owner control and access to lots of shoppers. A person who owns a traditional store is limited in the number of shoppers who visit the store. Here are some of the other common reasons why more people are starting online businesses.

Most traditional stores have a specific number of hours that they are open. However, an online business never closes, making it possible for the owner to make a sale even while he or she is asleep. In the online world, this 24 hour a day capability doesn’t take extraordinary effort, it just takes an online presence.

A person who owns an online business has flexibility when it comes to work hours compared to someone who owns a traditional store. While both kinds of owners may have to work late hours or on the weekend to get the job done, the owner of an online business can choose where that work can be done without worrying about taking time out to also oversee a physical store location. Managing contractors or employees may factor into the efforts of an online business owner, but unlike the owner of a traditional store, those contractors and employees can be based anywhere in the world, allowing the online business owner the flexibility to choose the most cost effective option to get the job done.

Someone who owns an online business is able to work anywhere with an Internet connection, including at home or while on holiday. Someone who owns a traditional store may also work at home, but if they are away on holiday, there is no easy way to mind the store from a remote location.

For both online and traditional businesses, one key process that has to be done well is collecting revenue from sales. When it comes to accepting credit cards, a traditional business has to have special equipment installed at every location where a sale may occur. Compare that to online sales, where the buyer provides the special equipment (their computer and browser).

In both the online and traditional store, once the sale happens, a credit card processor takes over the job of verifying the transaction and paying the business. The bottom line is no matter what type of business one has, it is important to have a reliable and secure payment process in place.

Written by Charge.com Payment Solutions, Inc., a trusted provider of credit card processing solutions for businesses. To equip your business with small business credit card processing, go to the company website to get started.