Santa Barbara Cash Register Blog

Craig Saling


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Analog vs IP Cameras installed by Santa Barbara Cash Register and Central Coast Cabling

Sep 8, 2020 8:20:24 AM / by Craig Saling posted in Santa Barbara Cash Register Product Spotlight

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Analogue cameras vs. IP cameras: a 12-point comparison

If you’re considering switching to an IP camera security system, consider these 12 points.

An analog camera is a traditional camera used in CCTV systems. It sends video over cable to VCRs or DVRs. IP cameras are all digital cameras that can send signals over cable to be stored in the network. Many security camera systems today are hybrid systems incorporating both analog and digital components.

1. Video quality

IP cameras provide overall higher video quality than analog cameras. They offer more video site ranges, such as a wide or narrow field of view, and better zoom-in capabilities. And because they transmit truly digital signals, they offer far greater video detail, which makes them much better for facial recognition or detecting license plate numbers.

Analog cameras have overall lower quality than IP cameras, but perform better in low light conditions. Analog cameras have more limited site ranges and don’t offer the zoom-in clarity of IP cameras. If you zoom in on the analog images, you’re going to get a grainier, degraded picture. It’s not like what you see on TV cop shows. If you’re using an analog camera, you’re not going to recognise the perpetrators face by zooming in.

2. Resolution

Generally, digital cameras provide resolutions 6 to 20 times higher than analog cameras.

Analog cameras are limited to resolutions of the NTSC/PAL standard of 720 x 480 pixels (NTSC)/575 (PAL) or 0.4 megapixels (4CIF). analog camera resolutions range rom 420 to 700; which at the high end can produce sharp images.

IP cameras offer resolutions that can range from 1.3 megapixels to 5 megapixels (2560 x 1920) of compressed, encoded transmissions. This gives you the ability to cover a far wider viewing area or to get far more detailed pictures in narrow, zoom-in viewing areas.

3. Transmission media

Traditional analog cameras operate over coax cable. They can also work over, twisted-pair cable or with wireless connections, but that produces less resolution.

IP cameras also work over twisted-pair, coax cable, and with wireless connections.

4. PoE capabilities

One of the advantages of IP cameras is that they can be powered over the twisted-pair Ethernet cable, thus eliminating worries over running electrical wire.

Older analog cameras can not be PoE powered.

5. Wireless

Wireless IP camera network connections can be a very practical solution in areas where it’s too difficult or expensive to run cable. Wireless can also be used in buildings where it’s impractical or impossible to run cable, such as in historical buildings.

6. Distance

Analog cameras can send video over twisted-pair cable up to 1.5 kilometres away and up to 300 metres away over coax cable. But analog transmissions lose clarity with increased distance and when the signal is converted from one format to another.

IP cameras can send digital video 100 metres over twisted-pair Ethernet cable and unlimited distances over IP networks. Because the images are digital, they maintain 100% of their clarity over long distances and when the signal is converted between different formats.

7. Intelligence and manageability

IP cameras offer network intelligence and remote manageability. They can stream images, and different parts of images, to different recipients simultaneously. They can perform additional tasks such as sending a message when they detect motion.

8. Ease of installation

Analog cameras require more cabling than IP cameras. For instance, they require a separate cable to control the pan, tilt, and zoom functions. If there is audio, another cable is required. One analog camera may require three separate cables: power, audio, video.

IP cameras can accept power, video, audio, PTZ control, and control signals over a single cable.

9. Security

Analog cameras are far more vulnerable to security breaches because the feeds can be physically intercepted and tapes and recording devices can be stolen. analog video feeds are also not encrypted.

IP cameras make data difficult to intercept. They encrypt and compress data before transporting it over the Internet to your server and they have VPN support.

10. Reliability

Analog security cameras have been around for more than half a century and have a long history of reliability.

IP systems have built-in reliability due to the data encryption and compression. They are as reliable as the network is, although backup systems can be put in place to minimise outages.

11. Expandability

IP cameras offer more expandability and scalability than analog cameras because their cabling requirements are less complex. But it is still possible to leverage your existing cabling infrastructure when migrating to IP cameras with the use of converters and extenders.

12. Costs

IP camera systems are thought to be more expensive because the cost of the cameras is higher than for analog cameras, although the price of IP cameras continues to drop. But the overall cost may be less than anticipated due to lower costs for cabling, recording equipment, and labor.

Costs can also be mitigated by installing IP cameras with the existing cabling infrastructure through the use of extenders and media converters.

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The importance of Customer Service in 2020

Sep 2, 2020 11:38:16 AM / by Craig Saling posted in Insider

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Some folks including Me have made a living on these stats...  For now just reblogging from a company I really enjoy working with.

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Why is daily settlement (batching/end of day) important?

Sep 2, 2020 9:18:22 AM / by Craig Saling posted in Merchant Services Payment Processing

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Settling your transactions on a daily basis helps you avoid costly interchange-downgrades.

To set the stage – there are two distinct portions of any credit card transaction. The first is known as the authorization, which happens in real-time, when you swipe/dip/key the card into your system. You’ll receive a real-time response from the card-issuing bank of “approved” or “declined”. The second step is known as the capture, when the sale is fully processed and sent to the processor to finalize.

The act of “settling” or “batching” your transactions references the capture step above, and is when you capture all of your day’s sales. When you process sales throughout the day (either through a terminal or a payment gateway), those transactions are authorized in real-time. Those authorizations will build-up throughout the day, waiting to be sent to Dharma for processing. Then, once per day, transactions will “settle” or “batch out” – that’s the process of taking all of those built-up authorizations and sending them in for processing. If you use a payment gateway, this happens automatically. If you use a standalone terminal, you can choose to have this happen automatically, OR you can opt to manually settle out.

So – what happens if you don’t settle out on a daily basis, or on a day where you had authorizations? The answer is that you risk getting a “downgraded” interchange rate – essentially, you’ll pay more for the sale!

The card associations (Visa/MasterCard/Discover/AMEX) have very specific rules about how interchange fees are calculated. One of the common requirements to gain access to the lowest possible interchange fee is that you must settle any given sale within 24 hours of authorization. This makes sense when you think about it. If you’re a customer and you see that a company has “authorized” your card, you likely expect to see that sale complete shortly. So, assuming that sale processes same day, the customer would likely be satisfied. BUT – if you wait, and settle the sale say a week or two later, that same customer may be confused! They may ask themselves, “didn’t I pay for this sale weeks ago?” Then, they may take one more step, which is to dispute the sale with their bank, and initiate a chargeback. Chargebacks are costly, and are to be avoided at all costs!

As you can see above, the card associations want to incentivize you as the merchant to keep chargebacks minimized, and keep your customers happy. To do this, they offer the lowest rates for settling within 24 hours. If you don’t settle within 24 hours, you’re subject to higher interchange fees – typically in the range of 0.25% – 0.50%. For this reason, we always recommend settling on any day you process sales. If you have any questions about this, don’t hesitate to discuss with your Account Manager!

There are two other specific reasons to settle regularly:

  • The earlier you settle transactions, the faster you get paid! If you forget to settle and wait a day, Santa Barbara Cash Register or our processing partners won’t receive your transactions, and therefore we can’t pay you.
  • Authorizations expire! It depends on the issuing bank, but most authorizations will ultimately expire between 3 and 8 weeks from the initial authorization. Once expired, you can’t retrieve an authorization. You’ll be required to generate a new transaction.
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What is a good interchange plus rate?

Aug 26, 2020 1:42:35 PM / by Craig Saling posted in Insider, Merchant Services Payment Processing

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Asking the question “what is a good interchange plus rate?” is like asking the question “how much does a car cost?” Neither question can be answered accurately without first knowing several supporting details.

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The True Cost of Paper Checks vs ACH

Aug 3, 2020 1:17:32 PM / by Craig Saling posted in Merchant Services Payment Processing

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The True Cost of Paper Checks

paper-checks-ach

Estimates suggest your business could be spending $24,540 annually just processing paper checks.

Since 1865, checks have played a pivotal role in the United States payment system. Checks were the only non-cash option for the first 100 years of its existence, until credit cards were introduced in the 1950s. As payment technology has evolved, the need for checks has diminished — but the costs have remained. Here are three ways paper checks could be costing your business more than you realize:

  1. Money – According to NACHA, it costs on average $1.22 to process a paper check, which accounts for manpower and various other costs. Overall, checks are “a burden on the economy,” according to Vipal Monga, a reporter for The Wall Street Journal. Bill.com estimates that paper checks cost business up to $24,540 annually in terms of employee labor, materials, bank fees and postage.
    Paper checks pose costs for customers, too. If your business receives mailed checks for recurring payments, your customer is paying for the check, postage and envelope every time a payment is due.
  2. Time – Checks eat up everyone's time. Customers spend time writing them at checkout or prepping them to be mailed out. Businesses spend time waiting for checks in the mail or chasing down customers to collect check payments, driving to the bank to make deposits, and then verifying the deposits at a later date. If a check bounces, you must track down the customer to resolve the issue, and guess what? That’s more valuable time taken away from your day. In total, Bill.com estimates that approximately $1,280 in labor costs are associated with paper checks. Checks also add more volume to post offices’ workflows, incurring costs for the government and taking up time for its employees.
  3. The Environment – Checks impact the environment just like paper receipts do. The production of checks requires trees, water and gas, and it expels greenhouse gases. Ultimately, once a check is processed, it is destroyed within 90 days of acceptance, simply contributing more waste to landfills.

ACH: An Alternative to Paper Checks

A cheaper and environmentally friendly option is ACH processing, which can cost as little as $0.25 per check to process. In contrast to Bill.com's $24,540 estimate for paper checks, ACH checks cost just $1,680 annually — a 93 percent reduction in costs. Though the growth of ACH was initially slow, 19 billion ACH transactions are now processed annually. Why? Because beyond its low cost and green technology, it’s convenient.

For one, processing ACH payments through Virtual Terminals allows for faster deposit verification. Most providers that do ACH check processing offer next-day funding, which means you’ll get your money deposited into your account within a day. That’s much quicker than the typical seven to 10 days it takes for paper checks to clear.

ACH processing sends quicker alerts of rejects or NOCs, so there’s less time between the initial payment and notifications of delays. You also gain the ability to collect hands-off recurring payments. Instead of collecting mailed-in checks, you can set up a custom schedule to automatically bill your customers’ accounts. With the ability to store accounts on file, you can also re-charge your customers for one-time transactions.

Instead of using duplicate checks to create a paper trail of transactions, ACH payments allow you to produce a receipt that is stored in the cloud for quick reference. The receipt can be emailed to the customer for her records, and a signature can be captured in-person or remotely to ensure that the transaction has been authorized.

Instead of using duplicate checks to create a paper trail of the transactions, ACH payments allow you to produce a receipt that is stored in the cloud for quick reference. The receipt can be emailed to the customer for their records, and a signature can be captured in-person or remotely to ensure that the transaction has been authorized.

Start accepting ACH payments today.

 
ACH check processing to not only save your business time and resources, while reducing your environmental footprint!

 

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Epson TM-U220B Kitchen Printer Troubleshooting FAQs

Jun 11, 2020 9:47:28 AM / by Craig Saling

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Troubleshooting - FAQs

Having issues with your Epson U220B kitchen printer? Check out the frequently asked questions to help troubleshoot your hardware!

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