At Convergence I needed a way to offer customers the option of using credit cards. You see, the idea of the credit card has always been popular. Well, it has been in my mind anyway. Not only does it provide people with the opportunity to build their credit and to improve their overall credit score, protection against credit card fraud, as well as increased purchasing power. Yes, you heard that right. With a credit card, you could walk into any physical store, or visit any online site, and purchase any of the products and services that they have available. You are essentially borrowing money against a line of credit. In simpler terms, this means that your bank pays the merchant the desired fee, and later when it shows up on your bill, you are required to pay this money back. People, my friend included, seem to forget that they have to pay this money back at a later date, which is why I always tell her to make sure that she has enough funds in the bank to be able to do this.
Because I want to be able to move with the times, and ensure that my customers can pay with any payment method that suits them the best, I need to think about incorporating more options into Convergence. And that is when I realized that allowing them to use credit cards is definitely the way forward. What I needed to have was a smart phone. Then I got (for free) a gadget called Square Up which goes on top of the phone so you can swipe credit cards. What fun–for me and the customers who “signed” using a finger. Now I’m having fun with my iPhone–a toy that I really didn’t need. Pay Pal has just put out their own gadget.