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	<title>What Every Merchant Should Know by Payex</title>
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	<description>Providing merchant account holders with news and information about processing credit cards, checks, and other electronic transactions.</description>
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		<title>Google Wallet?</title>
		<link>http://www.whateverymerchantshouldknow.com/index.php/google-wallet/</link>
		<comments>http://www.whateverymerchantshouldknow.com/index.php/google-wallet/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 21:21:09 +0000</pubDate>
		<dc:creator>Douglas J. Mack</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[First Data]]></category>
		<category><![CDATA[Google Wallet]]></category>
		<category><![CDATA[Iphone]]></category>
		<category><![CDATA[mobile]]></category>
		<category><![CDATA[PayPass]]></category>

		<guid isPermaLink="false">http://www.whateverymerchantshouldknow.com/?p=351</guid>
		<description><![CDATA[I received a great question the other day from one of our clients, and it really got me thinking. Here was the question: We are interested in accepting payments via Google Wallet. I know it is early in the game and I understand that First Data is involved. Are you guys involved in any way? Can [...]]]></description>
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		<title>Is Square Right For Your Business?</title>
		<link>http://www.whateverymerchantshouldknow.com/index.php/is-square-right-for-your-business/</link>
		<comments>http://www.whateverymerchantshouldknow.com/index.php/is-square-right-for-your-business/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 15:28:55 +0000</pubDate>
		<dc:creator>Douglas J. Mack</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business advice]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card fraud]]></category>
		<category><![CDATA[credit card processor]]></category>
		<category><![CDATA[Iphone]]></category>
		<category><![CDATA[Iphone reader]]></category>
		<category><![CDATA[merchant services]]></category>
		<category><![CDATA[small business]]></category>
		<category><![CDATA[Square]]></category>
		<category><![CDATA[Squareup]]></category>

		<guid isPermaLink="false">http://www.whateverymerchantshouldknow.com/?p=337</guid>
		<description><![CDATA[I stopped in a local, independent coffee shop last week. As I went to pay I noticed a stand-alone credit card terminal next to the POS system on one side, and an iPhone with a Square (www.squareup.com) card reader on the other. I asked the barista which device they were using for credit card processing. [...]]]></description>
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		<title>Playing The Match Game With The IRS</title>
		<link>http://www.whateverymerchantshouldknow.com/index.php/playing-the-match-game-with-the-irs/</link>
		<comments>http://www.whateverymerchantshouldknow.com/index.php/playing-the-match-game-with-the-irs/#comments</comments>
		<pubDate>Mon, 31 Oct 2011 16:05:05 +0000</pubDate>
		<dc:creator>Douglas J. Mack</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Rules and Regulations]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[business advice]]></category>
		<category><![CDATA[credit card processing]]></category>
		<category><![CDATA[Fees]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[merchant]]></category>
		<category><![CDATA[merchant account]]></category>
		<category><![CDATA[reporting]]></category>
		<category><![CDATA[TIN]]></category>

		<guid isPermaLink="false">http://www.whateverymerchantshouldknow.com/?p=332</guid>
		<description><![CDATA[&#160; Now You Have A Little More Time To Fall In Line. &#160; Good news. The deadline for complying with the IRS mandate related to the Housing and Economic Recovery Act of 2008 has been extended a full year, until January 2013. In an effort to ferret out underreported or unreported business income, the IRS [...]]]></description>
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		<title>Durbin and Debit: What New Legislation Means For Merchants</title>
		<link>http://www.whateverymerchantshouldknow.com/index.php/durbin-effects/</link>
		<comments>http://www.whateverymerchantshouldknow.com/index.php/durbin-effects/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 16:11:56 +0000</pubDate>
		<dc:creator>Douglas J. Mack</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[amendment]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Debit]]></category>
		<category><![CDATA[Durbin]]></category>
		<category><![CDATA[Fees]]></category>
		<category><![CDATA[processing]]></category>

		<guid isPermaLink="false">http://www.whateverymerchantshouldknow.com/?p=321</guid>
		<description><![CDATA[On October 1, 2011 new legislation regulating the costs associated with processing debit cards (check cards) goes into effect. The Durbin Amendment was a last minute addition to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The Dodd-Frank bill sought to reform the financial regulatory system following the financial crisis that began [...]]]></description>
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		<title>Keep Them Coming Back</title>
		<link>http://www.whateverymerchantshouldknow.com/index.php/keep-them-coming-back/</link>
		<comments>http://www.whateverymerchantshouldknow.com/index.php/keep-them-coming-back/#comments</comments>
		<pubDate>Tue, 30 Aug 2011 13:59:56 +0000</pubDate>
		<dc:creator>Douglas J. Mack</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Baker's Dozen]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[customers]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[merchant account]]></category>
		<category><![CDATA[merchant services]]></category>
		<category><![CDATA[rewards]]></category>
		<category><![CDATA[text]]></category>
		<category><![CDATA[text message marketing]]></category>

		<guid isPermaLink="false">http://www.whateverymerchantshouldknow.com/?p=316</guid>
		<description><![CDATA[&#160; I started my first business back in 1995. I was fresh out of college and a good friend and fellow graduate was freelancing as an audio engineer at a company that produced “on-hold messages”; the recorded music and voiceovers that play back through phone systems while a caller is on hold. He would tell [...]]]></description>
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