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Google Offers Select Businesses the Chance to Use their New AdWords Credit Card

Friday, July 22nd, 2011

The Search Engine Giant Google has recently introduced a new credit card to select U.S. advertising customers. Following the traditional release pattern for Google products the Google credit card is currently in a beta test phase and is invitation only. Invitations to participate in the new AdWords credit card experience were sent out to a handful of businesses Wednesday July 20, 2011. Unselected users who are interested in obtaining the new credit card will need to wait until the conclusion of the beta test, similar to the launch of Google+ and Gmail.

Google Adwords Credit Card

from, July 2011

Although the Google advertising credit card is a MasterCard that that is issued through the World Financial Capital Bank it can only be used to purchase search advertising from Google. The new card is designed to help businesses relieve some of the financial burden of advertising costs. When unable to purchase advertising a business can lose their connection to their customers and often experience a drop in traffic or sales. Without that outlet to reach their customers and showcase their products they miss out on that opportunity to generate revenue. Consequently, without this revenue the business lacks the resources to purchase additional advertising and propel future growth, which is where the new credit card could make a drastic difference.

Google credit card is able to lend some support and prevent a business that is short on funds from missing out on potential sales during the heavy upcoming sales seasons. With this credit card Google advertising customers are provided a line of credit with a locked in 8.99% interest rate with no annual fees. Google expressed that they realize that AdWords provides tremendous growth opportunities for small to medium sized businesses and the goal for the new card is to provide those businesses with a more supportive and attractive way to pay. The number of customers chosen to participate in the beta period is unknown and like most credit cards the minimum and maximum credit lines will vary per customers.

Although the card was created with the customer’s best interest in mind, Google also has an opportunity to capitalize on revenue from the credit card interest payments. Google makes 96% of its revenue from advertising and by offering a credit card they are not only offering their customers extra support but they can also collect extra income.

Brent Callinicos, Google’s Treasurer states “Obviously we have a robust balance sheet, so this is a way for us to use that balance sheet to help our customers, It isn’t a financial engineering project that we came up with and said this would be cool to do. It’s a customer need”.

Missing from the credit card is any type of rewards or bonus points. The company feels that given a choice their customers would rather utilize a card with a 9% interest rate over one that has an 18% interest rate and offers some sort of reward feature.

For more information visit:

Reuters- Google offers a credit card to advertisers

Sign Up For Google AdWords

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Getting Squared Away With Your Customer Payments

Friday, February 18th, 2011

from Feb 2011

To accommodate the businesses that are on the move a few companies have begun to stray from the traditional stationary credit card readers.  Among the companies already offering mobile card processing is “Square” and “Intuit GoPayment”.  Created in 2009, Square like the Intuit GoPayment system offers a device that works as an electronic card reader with the design purpose of accepting electronic payments without the inconvenience of traditional bulky equipment. Without the restrictions that cash registers, card readers, and receipt printers inflict, vendors can now be completely mobile and better serve their clients.  The “Square” gadget is about the size of a quarter and plugs directly into a headphone outlet on devices like the Dell Streak PC tablet or the Apple iPhone.  Currently the device and software are only supported by the Apple iOS and Google’s Android operating system.  For a full list of devices that support “Square” visit this link is my device supported?

“Square” provides customers and vendors with a fast, simple, and safe buying experience.  Both the software and the card reader are free and are available after establishing an account at Following the creation of your account, the Square application can be downloaded through your device’s app store and you can begin mobile card processing.

It appears that the only charges that an account holder will incur while using Square are a 2.75% + 15¢ charge for swiped transactions or a 3.5% + 15¢ charge for keyed-in transactions. Using Square allows individuals or businesses to side step activation fees, annual fees, early termination fees, customer service fees, statement fees, batch fees, monthly minimum fees, authorization fees and any other less obvious fees associated with credit card processing.

“Square” is extremely easy to use and only takes seconds to complete a sale.  All you have to do is swipe the credit card, enter the amount of the purchase, fill in the details of the purchase, charge the account, and send out a receipt.  Upon completion of a customer’s transaction a detailed receipt is stored on your device and can be sent to a customer’s email account. Additionally, cash payments can also be monitored using this software.

The mobile nature of this device can cause some concerns regarding its security, however all of data sent out of your device is kept in a monitored and secure location. All personal and vital information is encrypted following industry-standard security practices and is backed by VeriSign and the PCI Security Standards Council.

“Square” currently accepts most of the major credit cards including Visa, MasterCard, Discover, and American Express.  In addition to swiping a customer’s card, merchants are also able to manually enter credit card information for phone or Internet orders. Whether you’re a new small business that can not afford the traditional equipment, or you need to accept payments while you are traveling, or if you simply want to cut down on credit card processing fees “Square” has you covered.
Establish your Square account today at to receive your free device and software. Experience a new, fast, and efficient way of processing your customer’s credit transactions!

More valuable information:

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