Surcharge Solution

We know that your business is facing many unforeseen challenges during this time. Ironwood is here to help you continue to accept payments in the safest, most effective way possible. Many of our merchants are reducing their out-of-pocket expenses by implementing a surcharging program. 

Our surcharging program allows you to keep 100% of your credit card sales and stay compliant. You are able to pass along credit card transaction fees along to your customers and pay a transparent fee for debit card transactions.

We can help you get started and give you the tools to communicate payment options to your customers.

Our surcharging solution allows you to:

  • Keep 100% of every credit card sale.
  • Stay PCI compliant, avoiding costly fees, and unnecessary exposure.
  • Pass along only the fees for credit card transactions to your customers.
  • Offer your customers the no-fee option of using a debit card.
  • You pay a simple fee for debit transactions.

If you’re interested in Surcharging or other services that could help your business during the coronavirus pandemic, please contact us. We are offering special pricing to make our solutions as cost-effective and accessible as possible during this time. 

Welcome Amanda Maas

Amanda Maas has joined Ironwood as a Solutions Specialist. She will oversee product delivery and training for our organization. With extensive experience in the payments industry, she has worked in various roles including technical support, integration assistance, and training.
 
Amanda grew up in Vicksburg and attended the University of Mississippi. She graduated from the Savannah School of Art and Design and spent 16 years as a graphic designer in marketing and advertising before joining the payments industry. 
 
Amanda looks forward to being a part of the Ironwood team and creating the best possible experience for our banks and merchants.

Apple Pay

Ironwood wants you to be able to continue accepting payments in the safest, most effective way possible. Accepting contactless payments is a simple and secure way for customers to pay for goods and services, or donate, without making physical contact. Apple Pay is one of the most popular methods of contactless payments. We want to answer some questions about how you can use Apple Pay to keep your employees and customers safe. 

What is Apple Pay?

Apple Pay is a contactless payment system that allows customers to use their Apple iPhone, iPad, or Apple Watch to securely pay for a transaction without using a physical card or touching the card reader.

Can my business accept Apple Pay?

Any merchant who has a countertop terminal or card reader that can accept contactless payments has the ability to accept Apple Pay. If you are unsure if your current solution has contactless ability, give us a call. Most likely you already have access to this feature, and if you’re not using it, we can help you get started. 

If your terminal/card reader displays one or both of the following symbols, you can accept Apple Pay:

How does it work?

Customers add their compatible credit/debit cards to Apple Pay using the Wallet app on their device. They are then able to access their payment methods through Apple Pay to pay for goods and services. When paying in person, the customer simply holds their device near the contactless reader/terminal when prompted to insert, swipe or tap their card. No physical contact with the terminal is required. A vibration alerts the customer that the payment has processed and the transaction continues as usual. 

Why should my business accept Apple Pay?

Apple Pay is a secure method for customers to make payments in person without having to physically touch or insert a card into a card reader. It is easy and safe for both the merchant and the customer. Outside of the applicable transaction fees, there are no additional fees involved with accepting Apple Pay.

Chances are you already have the ability to accept Apple Pay and contactless payments. If you need more information on how to access or add this feature to your current payment solution, Ironwood is here to help you #GoContactless.

We’re Here for You.

During the coronavirus pandemic, our primary concern is the health and safety of you and your customers. We also understand that your business is facing many unforeseen challenges. We are here to help you continue to accept payments in the safest, most effective way possible. Here are a few simple, cost-effective solutions that can help your business adjust to this uncertain environment.

Contactless Payments

If you are accepting payments in person, keep your employees and customers safe by using contactless payments. With most terminals and mobile solutions, you already have the ability to accept contactless payments. For more information on how to access or add this feature, please contact us. 

Online Sales & Ordering

If your business does not have a website or is not currently accepting orders online, we can help you get started quickly with one of our integrated POS options, third party apps, or a custom development option. 

Mobile Payments

Whether you are offering curbside service or delivery, the ability to accept mobile payments has never been more important. Many of our solutions offer a mobile payment feature that can be added at no additional charge. 

Invoicing

You can create invoices for current purchases or for future products and services that can be emailed directly to your customers and quickly paid from their computer or mobile device.

Surcharging

Many of our merchants are reducing their out of pocket expenses by implementing a surcharging program. Surcharging allows you to pass a fee along to your customers for credit card transactions.  We can help you get started and give you the tools to communicate payment options to your customers.

Alternate Financing

Should you need additional funding during this time, we have many solutions that can help.

Special Pricing

While many of these features are simple add-ons, and some free of charge, we are offering special pricing to make all of these solutions cost-effective and accessible to you during the coronavirus crisis. To learn more about how these services can help your business, please give us a call.

To Our Customers

These are challenging times. At Ironwood, the safety and well-being of our team members, partners, and customers is our greatest priority.

As your Merchant Services provider, we do not expect any interruptions in our level of service to your business due to the contingency plans we already have in place for these types of unexpected situations, including the ability to work remotely. We are dedicated to providing you the highest quality of service possible.

We understand our small business merchants are some of the hardest hit economically in the current environment. Please keep the following in mind when navigating through these challenges:

  • It is more important than ever to meet your customers where they are. The following services can help you achieve this:
    • Mobile payments
    • Invoicing
    • Online ordering
    • Payment and donation links on your website
  • Gift cards can be purchased by customers today for products and services in the future. This will help with cash flow while keeping your customers engaged with your business.
  • Check guarantee services can help protect cash flow.
  • Cash discount and surcharge programs can help reduce or eliminate processing fees. 

If you would like to speak with an advisor to see if adding any of the above services to your existing account makes sense for your business, please reach out to us.

We are closely monitoring this ever-evolving situation in order to respond to and prioritize the needs of our customers, as well as the health and safety of our employees. We are here to serve you and your business and will continue to communicate any updates during this challenging time.