Curtis Kleinman

Curtis Kleinman is Chief Operating Officer at Swipe Payment Solutions.

Recent Posts

Get Ready for the Holiday Surge

by Curtis Kleinman on Oct 12, 2016 12:00:00 AM DRTV, e-Commerce

The holiday season is right around the corner, and everyone will be in a festive, gift-giving mood. People are ready to spend money, and your product is going to be a high-demand hit. Media, call center, and other vendor services are paid in full, and orders are streaming in.

The holiday season is your company’s own Super Bowl—a chance to win big. Nothing would be worse than to lose the ability to process payments in the middle of it.

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What ERA Membership Has Brought Me

by Curtis Kleinman on Jun 29, 2016 12:00:00 AM D2C Convention, ERA News, Committees & Councils

Here are four key benefits that my membership with the Electronic Retailing Association has brought my company and me.

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Your Strict Refund Policy Can Hurt You

by Curtis Kleinman on Mar 16, 2016 12:00:00 AM DRTV, e-Commerce, Support Services

Every merchant tries to create a refund policy that will protect each sale. Most payment processors prefer at least a 30-day unconditional refund policy. Many insist their consumer ship back the unused portion of their product. No merchant wants to be taken advantage of by having their product used in full and the customer receive all the promised benefits. Then request a refund just because consumers can get away with it.

Think of it this way, handling refunded products can prove costly in several ways.

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Shop Talk: Understanding the Purpose Behind a Billing Descriptor

by Curtis Kleinman on Feb 15, 2016 12:00:00 AM DRTV, Support Services

Q: What is a billing descriptor?

A. A billing descriptor is how your companies purchased item appears on a customer’s credit card statement. A billing descriptor is usually 21-25 characters long. You may only use numbers and letters (no other symbols) and you can leave spaces. All letters are usually capitalized. I recommend using the name or your product/website and your customer service phone number.

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Are Trial Offers Dead?

by Curtis Kleinman on Jan 20, 2016 12:00:00 AM Support Services

As an agent who offers a dozen payment processing solutions, I see several banks no longer accepting risk-free trials. Thus, it’s more important than ever to choose the right payment processor. Trial marketers will be put under heavy scrutiny when applying for a merchant account. This will significantly crimp the ability of some marketers to scale sales upwards. With a short trial period, it’s difficult to find banks to accept you. Once your chargebacks are over 1 percent the list gets slimmer.

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The statements, opinions, and advertisements expressed on the ERA Blog and other online entities owned by the Electronic Retailing Association are those of individual authors and companies and do not necessarily reflect the views of the Electronic Retailing Association.