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#debit machine canada toronto
debitmachinecanada · 1 year
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No fraudulent purchases
Fraud; Deceit; Trickery, An Imposter, a Cheat. To put it lightly, not a nice person.  If you’ve ever been a victim of fraud, you’re not alone. I had my bank account emptied right before Christmas one year when my daughter was little- I eventually got it back, but if it wasn’t for my mom still being around to lend me the money while I waited, I would have had to explain to my 5-year-old daughter…
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New Post No fraudulent purchases https://torontocreditcardprocessing.com/no-fraudulent-purchases/
Fraud; Deceit; Trickery, An Imposter, a Cheat. To put it lightly, not a nice person.
Nochargebacks.ca provides an online gateway or payment gateway, giving you and your customers peace of mind. With a nochargebacks.ca payment gateway, your clientele can spend money on their credit cards all around the world, and you receive payment within hours instead of having to wait 6 to 8 weeks to see reimbursement in your account.
With nochargebacks.ca, there is no more worrying about fraudulent purchases or having to refund your customers.
The only way a chargeback happens is if the customer doesn’t receive their merchandise following online payment. And, with the additional security in place, this almost never happens.
Why choose an Online Gateway with fraud protection
Online gateways have a number of benefits, but the greatest one is that, because of the fraud protection, the rates are cheaper. When both banks and merchants are saved the hassle of having customers call to complain that someone used their card to order a ten thousand dollar watch, they are happier.
Choose nochargebacks.ca. Better rates for you and your company, and better statistics next year from the Canadian Anti-Fraud Center!
nochargebacks.ca is a sales agent
Call direct to Paul’s cell : (416) 687-5373
Apply for this service on nochargebacks.ca
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queen-street-news · 10 months
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New Post has been published on https://bloornews.com/blog-toronto/?p=209153
Best Worst Canadian Merchant Account Providers
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Best Worst Canadian Merchant Account Providers
Are you a small business in Canada and you need merchant services like Interac and credit card processing and don’t know where to go? Online is misleading at best, and countless payment processing companies make promises they can’t keep. Here’s the truth from some people who have worked with and for countless questionable companies and landed at First Data. If you want the REAL dirt on these companies, this is an excellent source.
Major Banks (Moneris; RBC/BMO, TDCanadaTrust
Banks are great.. They are well established, reliable, and have longevity.. You certainly don’t have to worry about calling on Monday and worrying about them going bankrupt and skipping town. 
That being said, in order to be approved, you need to have a pretty stellar credit rating. And, much like anything else in the world, you get what you pay for, so you will be paying premium rates to work with the biggest, best,  and most established in the industry.
If you are primarily doing business in Canada, there’s no point in approaching Chase for credit card processing, as they are an American company, without a single Canadian office.
Helcim, as a matter of fact, is a reseller of Elavon, which is an American company without a single Canadian office. 
Merchant maverick, Frank Kehl is a reseller of Elavon, which is an American company without a single Canadian office. 
**BEST ALTERNATIVE**
First Data might be an option for those of you who have or will face rejection by the major banks for POS terminals. They have excellent customer service, tech support, swipe rates, and machines when it comes to independent companies. Basically, they offer everything a bank does, but they offer it to more customers, and at a lower rate.
Helcim has lower rates than the fly-by-night company, KIS, which isn’t any better than they are. They should be your last resort. They are all bait and switch situations filled with misleading information, broken promises and hidden charges. They advertise one deal and deliver quite the opposite. In THEORY, they can promise to PERSONALLY keep you free of a lease, but they hand you a machine from a leasing company that will continue to charge you monthly fees for up to four years. The service is garbage because the turnover rates are insane.. Reps don’t get paid, even after getting endless grief from disappointed and angry customers. The reps don’t even get the full story, so they believe they are telling you the truth only to discover later that they are essentially part of a scam they are selling to innocent people for little or no commission or pay. 
Square is great if you don’t need to get paid for three months. It’s the sort of company that would be ideal for someone who already has a day job, but sells bananas at a flea market on weekends for extra cash. The percentage the company takes is double what you would pay to First Data, or even to the terrible last-resort providers.
The list goes on.. PandaPay Merchant Services advertises low rates and doesn’t deliver. People sign a lease and suffer long-term. Royal Debit, to be frank, are liars. They offer free terminals, but there is nothing free about them. Clients are misled about rates. The people who run it just have questionable morals, and you can’t believe a word they say.  Royal Debit is a reseller of Elavon, which is an American company without a single Canadian office.
In conclusion, go with a major bank if you have the credit rating and extra money to pour into the costly sense of security. If you want similar customer service, quality, and satisfaction for a fraction of the cost, First Data is your best bet by far. They have an office in Mississauga, so you aren’t dealing with customer service overseas with little or no understanding of credit card processing in Toronto or simply doing business in Canada.
Debitmachine.mobi is run by Paul Murton. He runs the website a little bit like a payment processing dating service, trying to pinpoint ideal long-term merchant account relationship goals and match the small and home business Canadian clients and companies perfectly, creating a mutually beneficial relationship for everyone involved. 
Reps first data, elavon, pivotal payments/nuvei, global payments and a high risk merchant service called people’s credit
Online services, for which he provides personalized e-commerce websites….is a reseller of PayPal, which is an American company without a single Canadian office.
Murton is a salesman for the various Canadian credit card processing companies; He helps increase sales when the economy dictates that the calls just aren’t’ coming in on their own. All of these merchant services companies have a mandate to reach a particular quota, inspiring them to run deals including new and free machines and reduced rates. Because Paul is not legally obligated to one specific company, as he is contracted as a commission-based sales representative, Paul has access to the best possible credit card processing deals at the exact time that each client requires merchant services. He has been in the industry for 20 years now, since 2001, and is knowledgeable about each and every company in his roster. If you call any of these companies individually, they are all going to tell you that they are the best and the cheapest, with the lowest swipe rates, but Paul has no reason to mislead you. He will make a commission only if your contract works out to your satisfaction, so it’s in HIS best interest to lead you to the best solution for your business. Word-of-mouth is the best way to increase business for Paul personally, as a small business owner in Toronto. He wants to give you what you want and need out of a merchant provider so you recommend him to your friends and associates. Paul Murton’s commission is a one-time thing.. There are no residual or hidden fees on Paul’s part after you’ve signed the contract.
***Nuvei/Pivotal is offering a free machine for the life of your and your business that provides credit card processing and Interac. Qualified rate 1.17%, Non-Qualified rate 0.40%, Debit 3.5 cents, with a low monthly fee of $7. (Banks charge $10-12 PLUS rental of your POS terminal $40 for wired, $70 for wireless, so it’s a substantial savings each month!)
+Please be advised that Paul is introducing and securing your contract with the merchant provider.. The relationship beyond the initial sale is between you and the provider, so please ensure you read and understand the small print as Paul does not have the power to alter the terms of your contract. 
Apply For A Debit Machine Free 1,000 Business Cards With SEO Help With Marketing Your Business Free Help With Maps From A Google Guide Google Maps (I am a “Local Guide for Google Maps” Just Say Hello
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digitalworkinfo · 1 year
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Convenient Cash Access: A Guide to ATM Providers in Toronto
When it comes to accessing cash, ATMs are a convenient option for many people in Toronto. There are several ATM providers in the city, offering a range of services to meet different needs.
One of the largest ATM providers in Toronto is the Royal Bank of Canada (RBC). RBC has a large network of ATMs throughout the city, with machines located in convenient locations such as shopping malls, gas stations, and grocery stores. Customers can use their RBC debit or credit card to withdraw cash, check account balances, transfer funds, and more.
Another popular ATM provider in Toronto is the Bank of Montreal (BMO). BMO has a similar network of ATMs throughout the city, offering customers access to cash and other banking services. BMO also offers a range of specialized ATMs, such as those that accept deposits or dispense foreign currency.
Other ATM providers in Toronto include TD Canada Trust, Scotiabank, and CIBC. These banks also have large networks of ATMs throughout the city, offering a range of services to their customers.
In addition to traditional banks, there are also independent ATM providers in Toronto. These providers often have ATMs located in high-traffic areas such as airports, train stations, and tourist attractions.
Overall, there are plenty of ATM providers in Toronto, offering a range of services to meet different needs. Whether you need to withdraw cash, check your account balance, or transfer funds, you should be able to find an ATM that meets your needs.
For more information visit our site https://capitalfundsatm.com/
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royaldebit-blog · 5 years
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The Benefits Of Owning Or Accepting Credit Cards
Do you know the benefits of owning or accepting credit cards? Call us to order your debit machine now for the most competitive rates in the market!
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🌍 https://www.royaldebit.com/blog/benefits-owning-accepting-credit-cards/
📞 (416) 986-3342
📍 1595 16th Ave. suite 301, Richmond Hill, ON
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haidasndwch · 3 years
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Restaurant Name: Cali Mexican Grill
Restaurant Name: Cali Mexican Grill
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Name: Cali Mexican Grill
Website:
Phone : +1 416-603-6800
Address: 3250 Dufferin St, North York, ON M6A 2T3, Canada
Cuisines: Mexican
Opening hours: 11 AM – 11 PM
Google rate: 4.6
Yelp rate: 4
Zomato rate: not enough review
Features: Many vegetarian options, Delivery, Takeout
Price range: $
Cali Mexican Grill is one of the most fabulous fast-food places in North York, no doubt. Cali Mexican Grill is a quick-service Mexican spot developed by three lifelong friends with a shared passion and interest in the flavorful cuisine that dominates the Mexican and Californian food culture. Their food is amazing for a late-night quick snack or meal. Cali Mexican Grill is similar to the other burrito bowl places, except you can choose what style you get your protein cooked in. the most recommended meal in this restaurant is the buffalo sauce chicken and veggies nachos. They have about five different varieties/sauces in which the meat is marinated and cooked. The buffalo chicken is super yummy and delicious, spicy, and added flavor. What sets them apart from other joints with a similar concept is the variety of options it makes that truly reflect authentic Mexican cuisine, such as its take on street corn, loaded nachos, and yams, all made with sustainably and ethically sourced ingredients. Cali Mexican Grill is a great lunch option, and if you can't get enough, Cali has a catering service for any event coming up. The restaurant meals are affordable and incredibly generous with their portions, unlike many other taco spots you have been to. Their place is always clean, and the customer service is excellent every time.
Restaurant Name: Jasmin Sandwich
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Name: Jasmin Sandwich
Website: 
Phone: +1 416-666-4442
Address: 6119 Yonge St, North York, ON M2M 3W2, Canada
Cuisines: Iranian, Canadian
Opening hours: 11 AM – 2 AM ( NEXT DAY )
Google rate: 4.4
Yelp rate: 4
Trip advisor rate: 4.5
Features: Delivery, Takeout, Debit cards
Price range: $
Are you looking for an excellent fast-food restaurant in North York? It would help if you stopped searching, and here you are; Jasmin Sandwich offers one the most delicious fast-food in this area. What a nice and lovely sandwich place with a great variety of burgers, from your good old homestyle to the more exotic ones like veal tongue or veal brain. The small restaurant is beautifully decorated! The condiments are fresh; the burgers are cooked to order, and the sandwiches and delicious! They also make fantastic pizza, but their specialties are the stunning traditional Persian sandwiches! One delicious meal. Special fries will come hot and juicy, and the restaurant Royal roast beef is excellent. The good thing which is worth to be noticed is that they cut the sandwich in two, which is fantastic for sharing. Their pizzaz is crunchy and meaty, which is surprising. The Haida pizzas are loaded with toppings! The yellow bottle in the back is not mustard; it is their special Haida sauce. The staff team collaborates charmingly; the meals are prepared very well. The level of professionalism accounting for the COVID situation is incomparable in this location. If you do not want to sit at the restaurant, the food has been neatly packaged in their new aluminum bag. It is a perfect solution during the pandemic to keep the food warm.
Restaurant Name: Burgers Park
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Name: Burgers Park
Website: 
Phone: +1 416-491-1954
Address: 10 William Sylvester Dr, North York, ON M2J 0E9, Canada
Cuisines: American, Canadian
Opening hours: 12 – 9 PM
Google rate: 4.5
Yelp rate: 4
Zomato rate: not enough review
Trip advisor rate: 4
Foursquare rate: not enough review
Features: Delivery, Takeaway
Price range: $$
Burgers Park is a hidden gem in North York serving fabulous fast-food to its customers. It is not really near any park per se, but the food and atmosphere are meant to convey the sense of relaxation felt when escaping the office for a while for a bite and a few moments outside. This restaurant is emphasized by the park-like decor, including a grass bench and planters. Park Burger is probably the best smash burger I ate for a long time. The patty freshly grounded on-site made with local pasture-raised Angus beef was well seasoned and bursting with meaty flavors! The toppings really enhanced the whole experience, and I love the toasted brioche bun. Spicy chicken for the chicken lover, which love a spicy kick! You do have the option to make it non-spicy. The never-frozen chicken breast is buttermilk brined before deep frying. The chicken is moist and tender. This place is actually halal, and they use locally-sourced natural meats free of hormones and antibiotics. They are also plastic-free with compostable and recyclable packaging. The Park Burger is made with local pasture-raised Angus beef ground on-site and classically mustard-seared and smashed. Served on a freshly toasted sesame brioche with sauteed onions and American cheese, this truly crushable burger manages to take the classic up a few notches. Freestyle Soda Machine is always a hit! You will love your Minute Maid Sparkling Lemonade, which helps you to cut down the "fatness" of the food.
https://vocal.media/feast/top-9-fast-food-places-in-north-york-toronto
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visawords · 4 years
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Top Seven Trends In Fake Visa Credit Card Number To Watch | fake visa credit card number
In November 2018, a bit of “helpful advice” broadcast via amusing media announcement the affirmation that consumers could balk the annexation of money from their debit cards via agenda readers through the use of a simple technique. The best accepted adaptation of the column read:
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This is from a acquaintance who aloof had all her coffer accounts emptied afterwards she paid a auto disciplinarian with her debit card. She capital to pay with her acclaim agenda but he asked for addition adjustment because he didn’t appetite to pay the 4% acceptance fee.
Received some abundant admonition from the badge today that I appetite to share: whenever you are asked to use debit instead of acclaim for whatever reason, aboriginal absolutely access in the amiss PIN. If it is a affected apparatus it will bogus action the acquittal and aftermath a receipt. An accurate apparatus will adios the PIN and appeal a “try again” of some sort.
Help advance the word, as the badge acquaint me this blazon of artifice is acceptable added prevalent.
The botheration with this tip is that although it ability absolutely be advantageous for audition affected agenda readers, the use of such accessories is a adequately attenuate anatomy of theft. Crooks are far added acceptable to be employing added methods with agenda readers to illicitly draw funds from coffer accounts via debit cards.
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For example, some users aggregate the tip reproduced aloft alongside a 19 July 2017 address from CTV Account in Toronto, Canada, apropos a badge advising for residents. But that address said annihilation about cabbies’ application “counterfeit” agenda readers — it declared instead a absolutely altered arrangement involving the artful switching of cards, a anatomy of annexation that wouldn’t be baffled at all through the advised entering of incorrect PINs:
The advising stems from assorted letters to badge about auto drivers switching debit agenda while commutual a acquittal with an cyberbanking terminal machine.
In anniversary instance, badge accept the disciplinarian easily the chump a altered debit agenda — from the aforementioned coffer — at the end of the transaction.
We asked Los Angeles Badge Lt. Jeff Hollis, who works in his department’s cyberbanking crimes section, whether he had heard of this affectionate of betray and whether any absolute abject underlay the abstraction that entering a affected cardinal could fool this affectionate of machine. He told us, “No and no.”
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It is cryptic whether the “wrong PIN” column was spun out of the account adventure about the Toronto debit agenda betray or a adulterated call of addition blazon of incident. But Hollis did say auto drivers are sometimes aimless accomplices in yet addition blazon of cyberbanking crime: annexation involving acclaim agenda skimmers. The accessories can be absorbed to a cab’s acclaim agenda clairvoyant afterwards the driver’s knowledge, abrogation customers’ debit agenda numbers and PINs accessible to actuality harvested via wireless technology.
“The doubtable who placed [the skimmer] there doesn’t accept to be in the cab,” Hollis said. “They can aces [the information] up afterwards on back the cab passes a accepted area or allotment to base.”
Thieves who use skimmers, he said, are able to attach them to not alone agenda readers in taxis, but additionally to gas pumps, ATMs, and grocery abundance acquittal terminals.
“They’re actual small, and they’re actual well-concealed, and they alloy in with the blow of the machinery,” Hollis warned.
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Since skimmers artlessly almanac agenda advice as it’s anesthetized forth to the basal acquittal processing device, advisedly entering amiss PINs won’t antithesis or acknowledge them.
But while agenda skimmers are “dirt common,” Lt. Hollis added, alert consumers can still assure themselves from them:
“A acceptable aegis is to dispense the apparatus with your duke at any time and see if any apart genitalia appear off,” Hollis said. “If so, that’s a acceptable adumbration that it may be a skimmer. It can be a affable abetment — blow the apparatus and see if any apart genitalia breach off.”
It is additionally unlikely, he said, that addition could accept “all her coffer accounts emptied” afterwards a distinct transaction. While it is apparent that consumers would lose some money afterwards their cyberbanking advice was compromised, best cyberbanking institutions are able to ascertain and banderole cautiously ample or common affairs to anticipate the clarification of absolute accounts.
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logoengine · 5 years
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THE ORIGIN STORIES BEHIND 5 FAMOUS BRANDS
Branding Agency NYC
Like superheroes, famous brands almost always have a great origin story. Okay, it may not be a radioactive spider bite, but it's often not far away. Family disputes, top secret recipes and strange coincidences fill the history of some of the world's best known companies.
Learning about the origins of famous brands is an excellent way to get an idea of ​​the development process of yours. Part of the method, part of the madness, the art of building a brand implies finding exactly the right elements to tell its story.
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From green armchairs to orange shoes and trips to the zoo, we are immersing ourselves in the origins of five of the world's most emblematic brand identities, and key lessons to learn from each.1. Red Bull: the local heroUbiquitous among adrenaline junkies, long-distance truckers and athletes, Red Bull has dominated the global energy drink market for decades. A well-known brand identity worldwide, the company's aggressive and creative approach to sponsorship has made Red Bull's name synonymous with everything from Formula 1, cliff diving, night clubs, snowboarding and a guy who literally jumps to earth from outer space.
But it was not always like this. Red Bull once led a humble life as a stimulus for manual workers in rural areas of Thailand. Marketed for low-paid workers and motorcycle taxi drivers (who, presumably, were not trying to defy the laws of gravity and sanity like their American counterparts), Krating Daeng was the basis of what would later become, you guessed it: Red Bull .
The powerful mixture of caffeine and taurine was originally modified from a popular Japanese recipe by Chinese businessman Chaleo Yoovidyha, who introduced Krating Daeng in Thailand in the 70s.Chaleo also designed the Krating Daeng logo: two combat bisons in front of a yellow sunset. Sounds familiar? According to the South China Morning Post, the ‘logo" evoked the lively spirit of bullfights that have been popular in rural areas of Thailand. "
Cut to 1984: the Austrian merchant, Dietrich Mateschitz, suffers a time lag while traveling through Thailand for work. By chance, take a strange medicinal-looking bottle with two bulls. Its jet-lag disappears, and the seed of what we now know as Red Bull is sown.
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Seeing the potential of the brand among western partiers and lovers of extreme sports, Mateschitz approached Chaleo with an offer to launch the brand outside of Asia. And the rest is history!While Mateschitz updated the brand, it stayed close to its roots. Red Bull retained the original fighting spirit of Krating Daeng, maintaining, among other things, both the bison logo and the name.Lesson: famous brands have deep roots in our minds. Don't be afraid to be inspired by an idea or formula that already works, but think about how you could improve it in a new and broader context.2. TD: The green chairTD Bank is an iconic brand of North America. Started in 1855 to serve Canada's emerging grain industry, the Bank of Toronto became one of the largest banks in the world.
Although the company went through several iterations and mergers before becoming the TD we know today, it has tried to stay close to a set of guiding values ​​that put the customer at the front and center.
A key symbol of the TD brand, the small but powerful green chair is now synonymous with the bank itself. According to their own estimates, the TD green comfort machine has 86% brand recognition among Canadians. As for the furniture, that makes this chair quite famous. However, despite its role as a centerpiece in the company's brand identity for almost 20 years, the chair is hardly used.
In 2000, TD had just acquired Canada Trust. The company sought to make a bold statement to the large number of Canadians who felt undervalued by the same banks that depended on them. Enter the Toronto agency, Harrod and Mirlin, and the idea of ​​a "habitable metaphor," something that represents comfort and familiarity in a single glance. Along with the chair, the initial list included an open door, a pair of comfortable slippers and a smoking pipe.
Fortunately, however, the chair won. As a brand symbol, it has continued to evoke the openness and relationship that TD actively seeks to seek in its commercialization. Recently, the company updated its iconic upholstery, replacing the old motto "The bench can be so comfortable" with a new and modernized chair and the motto "Ready for you" of 2017.Imagine if they had gone with the pipe!Lesson: Brand symbols, whether they appear in logos or in advertisements and marketing materials, can be an effective way to help your customers make a positive partnership. Be sure to think carefully about finding a symbol that encapsulates who you are but can also stand the test of time.3. Penguin: the dancing birdOne of the most iconic logos ever created, the famous dancing penguin became the crowning symbol of a brand whose history includes meetings of naked meetings, trips to the zoo and an office in a crypt.
The eclectic British publishing house began in 1934 when the young publisher Allen Lane found himself waiting for a train at Exeter St David's and searching the train station's bookstore for something to read.
What he found was too expensive or mediocre. Upon detecting a gap in the market for a more affordable and high quality alternative, Lane and his brothers went to work.
Lane had already discussed the use of an animal logo for the brand, but it wasn't until a typist suggested a penguin as "worthy, but impertinent" that Lane solved. Falling in love with the idea, Lane immediately sent 21-year-old designer Edward Young to the London Zoo, where the dancing penguin finally emerged.
Since then, this little tuxedo bird has gone through some minor revisions, including the version you're probably familiar with today. Updated by Jan Tschichold in 1964 and reviewed in 2003 by Angus Hyland of Pentagram, the penguin has lost a few pounds remarkably.
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The reduction of the mark on its vertical axis, Hyland explained, allowed the logo to be more readable on the back of a book. A great example of considering your logo in your viewing context!Lesson: reducing your brand to a single word or phrase is a great way to clarify the creative direction you want to take. After that, you will have a better idea of ​​the rules that govern the appearance of your brand (including the logo). What words or phrases come to mind with your brand?Uber: the tripUber has had a good amount of wrong turns over the years (driving pun), but it is hard to deny that it has one of the most impressive brand vehicles that exist (there is another!). Like all major brands, Uber started from a personal experience.
On a snowy December night in Paris, 2008, Travis Kalanick and Garrett Camp were shaking while waiting for a taxi. None came. Timely, the company started at that time as a half-serious joke about asking for a private limousine through an application. After that night, Camp and Kalanick separated, but the idea stayed with both. Shortly after, "UberCab" was born.
In March of the following year, the two co-founders developed the application and proceeded to test it in New York in 2010 using only three cars. Upon returning to Paris in December 2012, they launched Uber, exactly three years after the application was first conceived there.
The company has grown exponentially since then, revolutionizing the meaning of traveling on the road. However, one of the most inspiring elements of that trip is the way Uber has told his story in all the elements of the brand. The entire Uber platform, from the application to the tone of voice and design, is a master class of branding.
Check out the Uber design microsite. It's a great example of how to distill your origin story in your own brand, including "U" shaped frames and logo animation that reads like a map marker would. The entire brand is a dynamic visual metaphor of what the product does.
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Lesson: Think creatively about how your story tells each element of your brand, both online and offline. Consider how to increase your existing brand elements in memorable elements that convey who you are and what you do. What other opportunities do you have to deepen your customer's experience with your brand?5. Monzo: the coral menuIt is rare for half of the population to know their brand instinctively only by the color of a debit card. But that is exactly what the British company FinTech Monzo has achieved.
In just a few years, the alternative banking startup has taken the United Kingdom by surprise. By existing at the crossroads of technology and user experience, Monzo grew in response to growing public dissatisfaction with existing forms of banking.
Following the financial crisis, Monzo (originally called Mondo until he surveyed customers by a new name) worked hard to develop a brand identity based on transparency; challenging big banks about the meaning of money in the digital age. Now, the company is a family name: a claim backed up on its website with the headline: "55,000 people open a Monzo account every week."
But the company's most famous brand asset, its luminous coral debit cards, did not emerge as a typical brand decision.
The CEO of Monzo described how the deadline of a printer caused the company to press its designer to provide final tests, in the absence of an hour and a half. Frustrated, the designer suggested that they could also wear the color of their shoes, a pair of hot coral Nikes.
The CEO loved it, and the color stayed. Ironically, the color of the card became perfectly emblematic of the Monzo brand values: bright, different and bright.
Lesson: Trust the creative process; Be open to happy accidents when exploring your brand identity! Remember that sometimes a little pressure under tight deadlines is where the best decisions can be made. Don't be afraid to set deadlines for yourself to keep the momentum and great ideas flowing.The great design begins with small ideas.Companies that can visually tell the story of who they are and what they do are more likely to captivate customers and establish a deeper connection over time.
Visiting your beginnings again is a great way to get clarity about the direction of your brand. Think about why you started in the first place and how you can portray that as a message, a visual identity and the actions you take as a business.
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debitmachinecanada · 8 months
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Visa, Mastercard plan to hike credit-card fees
Aug 30 (Reuters) – Global payments processors Visa (V.N) and Mastercard (MA.N) are planning to increase fees that many merchants pay when they accept customers’ credit cards, the Wall Street Journal reported on Wednesday. The fee increases are scheduled to start in October and April, according to the report, which cited people familiar with the matter and documents viewed by the WSJ. Many of the…
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Free Debit Machine Canada
Free Debit Machine Canada
Free DeskTop Debit Machine Canada No merchant statement required No Lease – – No Rent –No Purchase Deal Ends  No Exit Costs – No term – No contract   FREE New Debit Machine That Takes Credit Cards is a DeskTop type This Includes the wireless unit (add extra data fees)​ There is a flat banking fee per month of $5.00 The rate for VISA starts at 1.59 and we charge .05 over the cost of VISA –…
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atlanticcanada · 5 years
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Halifax entrepreneur creates cryptocurrency debit machine
A Halifax entrepreneur has created the first-ever cryptocurrency debit machine in North America.
The machine allows businesses to process payments using several cryptocurrencies, including Bitcoin.
Stephen Offman, the founder and CEO of the Crypto Debit Machine, says he was inspired to create the product after chatting with many people in the industry who had cryptocurrency, but had nowhere to spend it. 
“I think crypto is here to stay, Bitcoin is here to stay,” says the Halifax native. “And I think that will be the new currency of the world and that’s why we decided it’s time to come up with a place where somebody could spend their crypto very easily without having to go to an exchange.”
The debit machine converts the crypto into Canadian dollars and is directly deposited into the merchant’s account. 
Offman says the Crypto Debit Machine will soon be available at all Marriott Hotels throughout the Maritimes. 
He’s also partnered with Absolute Travel in Halifax.
Vice-president and travel specialist Fred Mack says that makes Absolute Travel the first travel agency in North America to accept Bitcoin via this method of payment.
Customers can make a transaction with the debit machine by syncing it with their cryptocurrency wallet, such as Blockchain.
“It’s the way of the future,” Mack says. “And you don’t have to be here. So now we can take it, you just let us know, contact us, from anywhere in Canada and say we’d like to go on a travel and use their cryptocurrency and we can set it up and email them the scan, and their crypto is used and off they go on a trip!”
Offman estimates his company will be in 5,000 to 6,000 Canadian businesses by the end of the year.
He’ll officially launch the Crypto Debit Machine at a tech show in Toronto next month. 
With files from CTV Atlantic’s Suzette Belliveau.
from CTV News - Atlantic http://bit.ly/2JfsOns
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mikemortgage · 5 years
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Cyber security predictions 2019: Watch for these four important Canadian privacy reports
The cyber security record book has closed on 2018, and what a ghastly year it was.
It began with the acknowledgment of the Spectre/Meltdown vulnerabilities and ended with the revelation of an API vulnerability at Facebook and a huge breach at Marriott Hotels’ Starwood chain.
In between — and this is only a partial list of publicly-disclosed international issues — a database with some 340 million records belonging to U.S. marketing and data aggregation firm data broker Exactis was discovered open to anyone; Twitter urged all of its more than 330 million users to immediately change their passwords after a bug exposed them in plain text; 150 million users of the food and nutrition application MyFitnessPal were told their usernames, email addresses, and hashed passwords had been stolen; LocalBlox, a personal and business data search service, left a database exposed with 48 million records of detailed personal information on tens of millions of individuals and Ticketfly admitted names, addresses, email addresses and phone numbers connected to approximately 27 million accounts were accessed.
In Canada, more evidence that even stalwarts can be hit: Bell Canada acknowledged hackers accessed personal information of around 100,000 customers, and the Bank of Montreal and CIBC’s Simplii Financial were hacked. Meanwhile, a security researcher found an unprotected messaging server belonging to a fitness company called PumpUp left personal data exposed, one of several problems with those using the MQTT messaging protocol; another researcher discovered huge amounts of unencrypted personal data on Canadian and U.S. customers in servers and PCs for sale on Craigslist that once belonged to the bankrupt computer electronics chain NCIX; the company that oversees Ontario’s 407 toll highway began investigating an alleged insider theft of data involving 60,000 customers and ransomware stung the Ontario towns of Wasaga Beach and Midland, as well as the Quebec regional municipality of Mekina.
There isn’t enough space in this story to list the companies with clumsy staffers who in 2018 left corporate data exposed on Amazon S3 buckets.
There isn’t enough space in this story to discuss how social media was exploited in 2018 by foreign governments. (But here’s a link to a report on how it was done in the U.S. 2016 election.)
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For those who looking for solid numbers on cyber attacks in this country, Statistics Canada issued the first government-backed study of business victims of cyber crime, which found just over one-fifth (21 per cent) of over 10,000 Canadian firms reported that they were impacted by a cyber security incident.
The safest prediction for 2019: More of the same, because companies still haven’t learned how to close vulnerabilities, encrypt and segregate data, oversee adequate staff training and plan for disaster recovery. (For a textbook report on what not to do, see this Congressional report into the Equifax breach.)
Don’t expect Ottawa to pass new cyber security or privacy legislation obliging companies to toughen up for two reasons: First, legislation either just came into effect — as of November 1 Canadian companies were forced to report serious breaches of personal data to customers and the privacy commissioner — or is about to — proposed changes to the Elections Act expected to be approved shortly will requiring online platforms to compile a registry of published partisan and election advertising messages advertising during election periods. Second, this is an election year. The government will want to pass what’s already on its list before the October vote.
Speaking of the election, expect the entire Canadian intelligence community — including the RCMP, the Canadian Security Intelligence Service (CSIS) and the Communications Security Establishment (CSEC) — to be closely watching for any indication social media is being used by foreign governments to manipulate public opinion.
Among the small bright spots in 2018 was the merger of several federal assets to form the Canadian Centre for Cyber Security, a one-stop shop for federal departments, the private sector and the public to find at least basic security information. How far the centre goes in public outreach and how deep its website goes with helpful information are still open questions. On the other hand we shouldn’t let provinces off the hook for their responsibility to be cyber security leaders as well.
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In terms of legislation, two new laws highlighted 2018: In May, the European Union’s General Data Protection Regulation (GDPR) came into effect, which Canadian companies doing business there now have to follow; and in November Canadian companies began facing a mandatory breach notification law under amendments to the Personal Information Protection and Electronic Documents Act (PIPEDA). The federal privacy commissioner also now has the power to initiate an investigation based on a reported data breach — and possibly embarrass a company.
It’s too early to say what impact these laws will have on business. Neither the EU nor the federal privacy commissioner have yet to lower the hammer on an offender.
However, expect a lot of attention to be paid to four coming reports from the federal privacy commissioner:
—a commissioner-initiated investigation into the privacy management practices of six of the country’s data and list brokers. The OPC hasn’t named the companies, but a 2014 OPC research report said the Equifax and TransUnion credit bureaus and the Cornerstone Group (now part of Deloite Canada) were among the biggest at the time.
—a report on Statistics Canada’s proposed use of what it calls administrative data of taxpayers collected from Canada Revenue Agency to get insight into Canadians’ spending patterns;
—a report on the Canadian angle on the Facebook/Cambridge Analytica scandal;
—and a look whether the Canada Border Services Agency‘s searches of digital devices violates privacy rights.
We spoke to four cyber security or privacy experts for their predictions:
David Senf, founder and chief analyst at the Toronto cyber consultancy Cyverity:
The well-known shortages in the number of cyber security personnel needed by business, the number of infosec pros with above average skills and in business investing in security technology will turn gaps into a crisis, he predicts. “Without a federal/provincial push it’s going to be status quo from a labour, skills and investment perspective.”
“The gaps continue to grow. And I think it’s important to label it a crisis because you’re going to increasingly see more private data exposed, more companies secrets exposed that limit us competitively in the global marketplace”
Among the difficulties infosec pros will face this year is the increasing use by threat actors of machine learning and artificial intelligence to automate and hone attacks. For example, he said, spearphishing attacks will get better as criminals use machine learning.
Ann Cavoukian, Expert-in-Residence at Ryerson University’s Privacy by Design Centre of Excellence:
“2019 promises to be an eye-opener for privacy” for several reasons she said. Countries are starting to enact legislation to comply with the GDPR, which “represents a significant raising of the bar for privacy and the return of personal control of one’s data to the data subject.” GDPR urges Data Protection by Design and by Default (known as Privacy by Design) so “the sky’s the limit,” she said.
Meanwhile, after federal privacy commissioner Daniel Therrien called upon the government to upgrade PIPEDA a parliamentary committee responded with a “promising report” entitled, ‘Towards Privacy by Design.’
At a time where privacy concerns are at an all-time high, and trust is at an all-time low, more and more companies are seeking Privacy by Design Certification to restore trust and gain a competitive advantage, Cavoukian said.
“So I predict positive gains for privacy in 2019, with the increasing growth of decentralization and SmartData. But we must always beware of what may be around the corner, keeping our eyes wide open to threats that may be arising. One such threat is governments seeking to create backdoors to encryption, in an effort to crack the code. On the heels of Australia having enacted such a measure, let us not lose sight of this practice spreading.”
Imran Ahmad, a partner at law firm of Blake, Cassels & Graydon LLP, who specializes in cybersecurity, privacy and technology law. He’s also a member of the Canadian Advanced Technology Alliance’s Cyber Council.
Privacy enforcement will increase now that the federal privacy commissioner has more investigation power under PIPEDA, especially with respect to mandatory breach reporting and breach record-keeping requirements.
“Last year we noticed a marked increase in cyber security incidents resulting from the malicious actions of staff. This trend is likely to continue in 2019. Organizations will need to work with their HR departments to properly vet and monitor staff conduct within the organization.
Data exfiltration attacks will target cloud applications. Specifically, cloud-native attacks targeting weak APIs or ungoverned API endpoints to gain access to the data in software-as-a-service applications.
Finally, expect to see more ransomware targeting desktops with open remote desktop protocols (RDP) applications.
Ahmed Etman, managing director for security at Accenture Canada:
“In 2019 I believe we’re going to continue to see more structured programs to control and limit the exposure of [corporate] data to reduce the risk from shadow IT.” These include better network visibility and clearer processes that lines of business have to follow before staff can adopt cloud services.
Firms with industrial control systems are increasingly adopting Internet-connected devices. Expect these companies to focus on improving and integrating these operational networks with traditional IT security as attackers try to exploit.
Companies will also see more attacks on their supply chains, so infosec pros have to pay attention to what their partners are doing. Attackers are getting “very creative” in this area, he said.
Finally, infosec pros will take another look at their cloud security strategy, both their current controls for what they already have in the cloud as well as for workloads about to go into the cloud.
Jeff Pollard, enterprise security analyst at Forrester Research:
Botnets will fraudulently generate revenue that rivals a Fortune 1000 business. Botnets now have a core set of capabilities that attackers can easily exploit. As a result “we will see massive botnets generating tons of money.” Defenders have to understand the threats they face are automating faster than you are, he said, and incorporating bot management that into their risk assessments.
Forrester also sees U.S.-China trade war will increase economic espionage against Western firms after a period of decline. “You can take [China’s] five-year plan and use it as a bit of a guidebook to the industries that will be hacked.” The latest plan calls for Chinese companies to invest in biotechnology, energy, autonomous vehicles, 5G wireless technology, robotics, aerospace, and agricultural machinery. Western companies in those sectors are warned.
Finally, expect one high-net-worth individual’s residence — and possibly their business — to be infiltrated through their connected home devices. That’s because hackers know these devices — from voice-commanded assistants to Wi-Fi routers to Internet-connected TVs — can be poorly secured.
Conclusion: Buckle up, it’s going to be a bumpy ride. Or, buckle down and get to work.
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from Financial Post https://ift.tt/2UY73KP via IFTTT Blogger Mortgage Tumblr Mortgage Evernote Mortgage Wordpress Mortgage href="https://www.diigo.com/user/gelsi11">Diigo Mortgage
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royaldebit-blog · 5 years
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Where We Came From
Royal Debit was founded in 2014 to provide credit card processing and merchant account services to small & large businesses. Like many new companies in North America, we had to work hard within a small budget. Learn more about our story on our website. If your business is looking for a new debit machine, contact Royal Debit today.
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🌍 https://www.royaldebit.com/ 📞 (416) 986-3342 📬  [email protected] 📍 1595 16th Ave. suite 301, Richmond Hill, ON
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karenkb27mendoza · 7 years
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Survival skills: How to use Public Transportation in Toronto?
WATCH OUR VIDEO AT THE END OF THE ARTICLE!
No car, no horse, no helicopter, as a student in Canada the easiest way to travel is by using public transportation.
In Toronto, the public transportation system that operates buses, subways, streetcars, and paratransit services is called the Toronto Transit Commission – widely known as the TTC. This short guide will help you travel all around the city like a true Torontonian.
1. What do you need?
A Post-Secondary Photo ID: In order to use a Post-SecondaryMetropass, which is cheaper than the regular monthly pass, you need to get a Post-Secondary Photo ID. The Photo ID Centre is located at Sherbourne station (Line 2 Bloor-Danforth), only 10 min away from ILAC’s Main Building and conveniently right below ILAC’s Dream Building!
Bring a valid piece of ID and your ILAC Letter of Acceptance. The cost is $5.25 (cash only!). The centre is open from Monday to Friday from 3.00 PM to 7.00 PM and Saturdays from 10.00 AM to 4.00 PM. The whole process takes only a few minutes and you will walk out with your new Post-Secondary Photo ID in hand, ready to ride!
A Post-Secondary Metropass: This is a monthly pass running from the 1st day to the last day of each month. This pass costs $116.75 (as of September 2017) and will allow you to have unlimited travel across Toronto by Subway, Streetcar, Bus or Paratransit.
You can purchase a Post-Secondary Metropass at any subway station. Fare agents accept cash, debit or credit cards, but keep in mind the extra fees you may face when using international cards.
Monthly Metropass © M.G
2. Our special tips:
Don’t forget about Weekly Passes: If you’re arriving one week before or after the beginning of the month, we advise you to buy a weekly pass ($43.75 as of September 2017), until the beginning of the next month.
Use Tokens: If you arrive only some days before the beginning of the month, or want to use the TTC occasionally, consider using tokens! These can be purchased at any subway station or vending machine, and one token is equal to one way (3 tokens for $9 as of September 2017).
Buses and Streetcars: You need a ticket, token, pass, transfer or exact cash to board a bus or streetcar. Operators don’t carry change, so you must give the exact amount if paying in cash ($3.25 as of September 2017).
3. Vocabulary you may use:
Token: A special coin sold and used by the TTC. You can buy tokens at every subway station or at participating convenience stores.
Monthly Metropass: An access card that provides unlimited travel in a specific month on all regular TTC services.
Transfer: A ticket, resembling a receipt, you need to take between each change of transportation (subway to bus, for example) if you do not have a pass.
Cash Fare: Meaning you must have the exact amount of money in cash.
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The post Survival skills: How to use Public Transportation in Toronto? appeared first on ILAC.
from Blog – ILAC http://www.ilac.com/survival-skills-use-public-transportation-toronto/
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