Best practice

Buy Button makes
online payments easier

FIND OUT MORE

Fraud mitigation

How to become
friendly fraud resilient

FIND OUT MORE

Small business insights

Survey highlights what
drives small business owners

FIND OUT MORE

Engaging communities

Showcasing the talents
of small businesses

FIND OUT MORE

Make taking online payments easier with a Buy Button

During this season of giving, there is a way to make taking payments for goods or accepting donations online easier. Create a simple checkout experience by adding a Buy Button to provide convenience for your customer and potentially increase sales.

With the Converge omnicommerce platform, you can create a button for a website or a hyperlink that can be emailed or even added to a social media post. The button or link will take your customer to a secure payment page where they can pay with their method of their choice, including a credit card or digital wallet.

Key benefits

• Simply generate a Buy Button code that you can copy and paste anywhere you are able to add HTML, with no advanced coding necessary.
• Buttons/hyperlinks can be used outside your online store, including on blogs, ads, emails and social media.
• Customize the Buy Button for your brand. Choose the format, font, colors and text, and have it automatically resize to fit all media types.

Requirements
To use the Buy Button feature, you will need to be approved for an internet processing account along with an API user account ID. Contact the Customer Service team to set up your API user account at 800-777-7240.

Getting started
Once you have the required internet processing account and API user ID, set up your Hosted Payment Page. This is the payment page your customers will see once they click on your button or link. The page enables your customer to input their card information and make a payment.

Watch the video* to learn more about the Buy Button.

Back to top

How to become friendly fraud resilient

A growing number of chargeback cases are brought by cardholders who initiate a dispute on a legitimate online charge and claim it’s fraudulent. This is known as first-party misuse or friendly fraud.

One-third of merchants globally said they have experienced friendly fraud, and having to handle them can negatively impact your bottom line. The estimated cost for a business to manage friendly fraud is $35 for every $100 in disputes, according to a recent Verifi white paper titled Sizing Up the Impact of CNP Fraud Disputes.*

According to the Verifi white paper, reasons people initiate a dispute on an online purchase that constitute friendly fraud can include the following.

• They are confused by the transaction description or amount on their statement.
• The cardholder is attempting to return goods outside your company’s return period.
• The quality of the product received was not as expected.
• They have buyer’s remorse.
• They want to obtain free goods or services.

There are a number of ways to engage with your customers online in a way that can help lead to fewer disputes.

• Provide clear online descriptions and photos of your products or services to avoid confusion.
• Keep customers informed through the order-to-deliver process.
• Use clear payment descriptors so customers recognize a transaction on their card statement.
• Make cancellation and return policies clear and easy to find on your website.
• Include “click to accept” with your cancellation policies before cardholders are able to check out on the website.
• Obtain a CVV code from the payment card, and use multifactor authentication for account logins to be sure the cardholder and account holder are the rightful card owner.
• Use an Address Verification Service (AVS). If the shipping address matches the address on file with their card issuer, there is a lower chance the cardholder didn’t receive the goods. 
• Avoid technical errors and follow card network regulations to help ensure both you and the customer have complete information about each e-commerce transaction.

In general, attentive customer service and clear communication can prevent chargebacks from happening. When customers that are dissatisfied with a purchase know they can easily get assistance from the business, they’re less likely to take their complaint straight to the card-issuing bank.

Check out the tools within Payments Insider to help you manage fraud disputes. Contact your Customer Account Manager for information on ways to protect your business against other types of fraud.

Back to top

Survey highlights what drives small business owners

Small business owners are known for their resilience. Their ability to adapt, pivot and persevere in the face of challenges is a defining trait. At U.S. Bank, we wanted to understand more deeply the factors behind small business owners’ unique resilience as well as the challenges they are facing.

That is why we conducted a nationwide Small Business Owner research study: to pinpoint what motivates small business owners, how they’re feeling, where they’re experiencing challenges – and inform our role in supporting them through ongoing uncertainty and change. 

Here’s what 1,000 of your peers said.  

• Beyond financials, small business owners are driven by their individual purpose and desire to serve others, with 95% stating autonomy as a key motivator for starting their business.
• As responsibilities pile up, 83% of owners often feel short on time and resources, but many acknowledge that digital solutions and community connections can help address some of the challenges and stressors they face.
• Still, with all they have to take into account, an impressive 87% are upbeat about their future as they find ways to stay optimistic, happy and resilient.

Click images to enlarge the view.

Back to top

Showcasing the talents and growth stories of small businesses

We recognize that running and growing a small business takes knowledge, persistence and determination, and each owner’s path to success is often unique and inspiring. Through our Open for Small Business campaign,* this year, we set out to showcase the talents and growth stories of small businesses in these U.S. cities.  Watch their stories.

Atlanta, GA

• Paco Tacos* - Restaurant owners and brothers Paco and Hosea talk about their humble beginnings and subsequent growth.
• PuffCuff*- Owner Ceata Lash discusses her invention and desire to champion self-love and self-acceptance by providing painless, damage-free styling accessories for those with thick, curly or textured hair.

Miami, FL

• Karnna Fashion Lab* - For more than 25 years, Karina Gomez Herrara has proudly trained the next generation of fashion-industry professionals and consulted for textile businesses.
• Los Paisanos* - Restaurant owner Vicente Pavón brings the unique flavors of Honduran cuisine to the local restaurant scene and supports neighbors in Little Havana.

Minneapolis, MN

• El Itacate* - Hear from restaurant owner Ana Maria about her experience opening her restaurant and serving up fresh eats in the neighborhood.
• Reviving Roots* - Hear owner Marlee James discuss her motivations for creating her business for health, wealth and healing.

For more than 30 years, Elavon has been a global leader in payment processing for businesses of every size. We are especially proud to support small businesses with scalable payment solutions tailored to their needs.

Back to top

Who do you call?
Call Customer Care at 800-725-1243 or email This email address is being protected from spambots. You need JavaScript enabled to view it. with questions about:

• Daily account activity and funding
• Point-of-sale terminal or PC product issues
• Your monthly billing statement

Contact your Customer Account Manager with questions about:

• Managing card processing for your business
• Product and equipment information and training
• Other payment solutions or services that may be available to you

For help setting up your talech solution, visit talech PaymentStart or email This email address is being protected from spambots. You need JavaScript enabled to view it.

Manage all aspects of your payments online
Payments Insider

• View statements, reports, file downloads and more
• Securely view your account information anytime, anywhere