Archive for June, 2015

More charges for identity theft suspect

Tuesday, June 30th, 2015

WATERLOO | Police have filed new charges against a California man who used a fraudulent credit card to receive cash advances at local banks.

Waterloo police arrested Mario Lionell Swain, 25, of Alameda, on Friday for identity theft and unauthorized credit card use. His bond now sits at $80,000.

In the new charges, authorities said Swain went to Veridian Credit Union on Tower Park Drive on May 29 and used a credit card and a photo ID with the name of Anthony Wilson of Texas to secure $2,999 in cash.

Swain has already been charged for similar crimes that day.

Court records allege he went to Iowa Community Credit Union on Cedar Heights Drive in Cedar Falls and used the card and ID to obtain a $6,000 advance by claiming he was in town for a funeral and needed cash for expenses. He was detained when he went to Riddles Jewelry at Crossroads and attempted to use the credit card to buy $26,000 worth of jewelry.

Before coming to Iowa, he obtained a $4,500 cash advance from a Jefferson City bank in Missouri and made $28,000 worth of purchases from a jewelry store there.

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Monday, June 29th, 2015

NAPLES, FL–(Marketwired – June 20, 2015) – has named the thirty top merchant cash advance services for the month of June 2015. The rankings consist of payment processing solution providers which have years of experience in providing noteworthy solutions. The rankings are produced through a meticulous evaluation process which involves the inspection and testing of top competing services to establish which are most effective at supplying their solutions. While there are thousands of services supplying solutions the rankings are used to showcase the absolute best.

The 30 top merchant cash advance services for June 2015 are:

1- Merchants Advance Network

2- Fidelity Advance, LLC

3- CAN Capital

4- Strategic Merchant Solutions

5- Rafter J Funding Services

6- BankCard USA

7- Maverick Capital

8- RedFynn

9- Credit Card Processing Specialists

10- GDpay

11- ICBA Bancard

12- CardSmart Merchant Services

13- Advance Funds Network

14- POS Alliance

15- DCC Merchant Services USA


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Wyoming police investigating Check ‘n Go armed robbery

Monday, June 29th, 2015

WYOMING, Mich. (WZZM) — Police are looking for the armed man who robbed a Wyoming-area cash advance business Monday afternoon.

The Wyoming Department of Public Safety responded to the Check n Go at 28th St. and Buchanan Ave. SW shortly after 2 pm Witnesses said a man with a revolver came into the store and demanded money. He took an undisclosed amount of cash, and ran. He headed west and then south, police said.

The suspect, now identified as Montai Riley, 30, is described as a black man, about 6 tall and 200 pounds.

Investigators say its possible Riley was involved in a similar robbery at the same business on April 9, 2015.

Anyone with information on the case should call the Wyoming DPS at 616-530-7300 or Silent Observer at 616-774-2345.

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Beware of sneaky cash advances, and more

Monday, June 29th, 2015

Here are this weeks top pieces of financial news and advice:

The fine print on cash advances
You may have taken a cash advance from your credit card company without realizing it, said Catey Hill at MarketWatch. Many credit card agreements contain sneaky fine print that says certain transactions — such as legal gambling costs, wire transfers, and money orders — are automatically treated as cash advances. The same goes for those convenience checks that credit card companies sometimes hand out. The fees that come with these cash advances can be hefty. Theyre also common. A recent study by found that 98 out of 100 cards examined came with a cash-advance fee, typically 5 percent of the total amount or $10, whichever was greater. Interest rates also tend to kick in immediately — no 30-day grace period — and are often higher than the normal rate.

Buying an overseas home
The strong dollar is leading more Americans to think about buying a house abroad, said AnnaMaria Andriotis and Laura Saunders at The Wall Street Journal. But the complications of foreign markets could make them appreciate the comforts of home. Buyers looking for mortgages on overseas properties often need to make larger down payments than in the US, and may have less time to pay off the loan. In the Caribbean, for instance, loans typically need to be repaid in 15 to 25 years. Then there are the tax implications. If youre renting out a home in another country, that income must be reported to the IRS, and in some cases, it counts as a foreign financial asset. Be sure to do your research before buying that dream beach house.

A healthy dose of health-care stocks
Would you rather have a new BMW or two more years of life? asked Steven Goldberg at Kiplinger. Your answer explains why health care is the markets best all-weather sector. Because people generally cut back on other expenses before they do on medical treatments, health-care stocks held up surprisingly well during the recession. Over the past 25 years, the sector has returned an annualized rate of 12.3 percent, compared with 9.6 percent for the Samp;P 500. Not that buying in is cheap. Many biotech and drug companies have seen share prices rise too far, too fast, and some are indeed overvalued. But our aging population means future growth in health-care spending is inevitable. Health care is 15 percent of the Samp;P 500. That seems like a sensible allocation for most portfolios.

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30 Best Merchant Cash Advance Services Revealed by topcreditcardprocessors …

Sunday, June 28th, 2015

NAPLES, FL–(Marketwired – June 13, 2015) – The independent authority on credit card processors,, has named their list of the top merchant cash advance services for June 2015. The rankings are revealed at the start of each month in order to account for the latest developments and achievements of the top performing merchant cash advance services. The independent research team at analyzes and recommends the services included in the analysis process each month in order to assist businesses in selecting their solution.

The primary goal of is to identify the most esteemed merchant cash advance services the credit card processing industry has to offer. The ratings provide customers of these solutions with a listing of services which provide the best solutions based on the opinion of the independent authority with years of experience in research and analysis. The ratings are updated monthly based on the thorough evaluation process, customer referrals, and industry research and analysis.

The 30 top merchant cash advance services for June 2015 are:

1) Merchants Advance Network

2) Fidelity Advance, LLC

3) CAN Capital

4) Strategic Merchant Solutions

5) Rafter J Funding Services

6) BankCard USA

7) Maverick Capital

8) RedFynn

9) Credit Card Processing Specialists

10) GDpay

11) ICBA Bancard

12) CardSmart Merchant Services

13) Advance Funds Network

14) POS Alliance

15) DCC Merchant Services USA

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How, when and where to get your summer holiday money (and why Europe and …

Saturday, June 27th, 2015

I want cash… 

Dont pay for currency on a credit card as it counts as a cash advance and you will be charged interest from day one.

If youve left it too late to have cash delivered to your home, then pre-order it for collection at the airport as this will still unlock decent rates.

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Kembangkan UMKM, Askrindo Syariah Gandeng Pegadaian Syariah

Saturday, June 27th, 2015

REPUBLIKA.CO.ID, JAKARTA – PT Jaminan Pembiayaan Askrindo Syariah menjalin kerja sama dengan PT Pegadaian Syariah guna mendorong sinergi pembangunan ekonomi masyarakat khususnya sektor usaha mikro kecil dan menengah (UMKM). Direktur Utama PT Askrindo Syariah Pribadi mengungkapkan, penandatangan Perjanjian Kerjasama dengan lembaga keuangan Non Bank seperti Pegadaian Syariah merupakan salah satu strategi dan rencana kerja Askrindo Syariah, dalam rangka pencapaian target bisnis penjaminan yang optimal di tahun 2015.

Tujuannya, Brand Awareness dan meningkatkan Jalinan Kerjasama yang lebih baik dengan lembaga keuangan khususnya lembaga keuangan Non Bank, ujar Pribadi, Sabtu, (13/6).

Selain itu, lanjut Pribadi, kerjasama ini juga bertujuan untuk meningkatkan pertumbuhan portofolio bisnis penjaminan Askrindo Syariah dan pertumbuhan bisnis pembiayaan PT Pegadaian Syariah yang sehat dan menguntungkan.

PT Jaminan Pembiayaan Askrindo Syariah atau dikenal dengan Askrindo Syariah adalah lembaga penjaminan pertama di Indonesia yang berbasis syariah. Askrindo Syariah telah melayani industri lembaga keuangan Bank dan lembaga keuangan Non Bank sejak tahun 2013 di berbagai wilayah di Indonesia dengan produk unggulannya berupa penjaminan pembiayaan, penjaminan transaksi perdagangan dan penjaminan pembiayaan non cash loan seperti Bank Garansi.

PT Pegadaian Syariah memfokuskan kegiatan usahanya pada segmen UMKM yang memberi peluang pertumbuhan jangka panjang yang berkelanjutan. Dari segmen tersebut, diharapkan Askrindo Syariah dapat mengoptimalkan potensi bisnis melalui kebutuhan penjaminan atas pembiayaan yang diberikan oleh PT Pegadaian Syariah kepada masyarakat khususnya pelaku usaha UMKM.

Implementasi bisnis dengan PT Pegadaian Syariah, lanjut Pribadi, akan dilaksanakan dengan dukungan IT System melalui penggunaan Online System Application (OSA). Diharapkan dengan adanya perangkat teknologi Online System tersebut proses penjaminan pembiayaan sampai dengan kebutuhan report data dapat dilakukan secara real time dan up to date.

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Mainland credit-rating network takes shape

Friday, June 26th, 2015

Alibaba Group Holding Ltds Sesame Credit Management ran a nationwide public beta of its credit-rating system last Saturday in whats seen as a vital step to commercialize the mainlands credit-rating system since the central bank gave the green light to eight private firms to provide personal credit reference services earlier this year.

The Peoples Bank of Chinas Credit Reference Center (CRC) is the mainlands official credit-rating system for both company and individual users, and its reports are based on personal information, loan records and other economic activity in finance organizations.

Sesame Credit, however, also uses other data to calculate the scores, such as a persons hobbies, interaction with friends, shopping habits and lifestyle.

These are people who have been largely left out by banks traditional credit-rating methods, especially students, low-income workers and those who have never borrowed from a bank, according to Deng Yiming, director of Sesames business development.

It is reported that Sesame adopted an international credit-rating method with a scale of 350 to 950 points, based mostly on their data on AliPay.

A higher score means a better credit history, which can make borrowing easier and carries with it added benefits.

People with 600 points above can use a shopping-credit system called Just Spend which allows users to take out a loan of less than 5,000 yuan ($805.9) when shopping on Alibabas online market place Taobao. Those with more than 666 points can take a cash loan of up to 50,000 yuan.

The company launched ist credit VISA service last weekend, expanding the application range of its rating system. Users with more than 750 points can apply credit VISA to Luxembourg and those with 700 points can apply to Singapore, without requiring incumbency certification, hukou and other documents.

Sesame has also teamed up with peer-to-peer (P2P) lending companies which are starting to make use of big data analysis to control risks.

Simon Loong, founder and chief executive officer of Welab – a Hong Kong-based company providing online lending services – thinks that big data alone is not enough in the mainlands complicated Internet financing market.

Welab too launched its P2P lending platform in China in September last year, and has attracted loan applications involving more than 50 million yuan.

Before taking the plunge, Loong conducted a thorough study of the new market environment and concluded that risk control is a vital factor in his business,

Given the fact that Chinas credit-reporting system is still in its infancy, those with the advantage of risk control technologies will benefit, while others have a high risk of failure, he said.

To cope with the verified population on the mainland, they have started to explore smart data analysis. Smart data can reveal casual relationship, an important factor for risk control, but big data analysis cant, Loong said.

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Excel Corporation Hires Industry Veteran to Lead New Merchant Cash Advance …

Friday, June 26th, 2015

IRVING, Texas, June 23, 2015 (GLOBE NEWSWIRE) — Excel Corporation (OTCQB:EXCC), a leading provider of integrated financial and transaction processing services to small and medium size businesses throughout the United States today reported that it recently named merchant cash advance industry veteran, Bret Martin, as President of its wholly-owned subsidiary, Excel Business Solutions Inc., which will do business as Mom amp; Pop Merchant Solutions. Since 2008, Mr. Martin has founded and run several successful companies in the merchant cash advance, transaction processing, Independent Sales Organization (ISO) development and training businesses. As a leading provider within the merchant cash advance industry, Mr. Martin has placed millions of dollars in aggregate cash advances over that period. Prior to entering the merchant services and merchant cash advance industries, Mr. Martin built a large US mortgage brokerage firm which he sold in 2006.

In addition to his current merchant cash advance ISO relationships, Bret has previously built several large, national distribution networks, both in the merchant cash advance and transaction processing market segments, stated T. A. Kip Hyde, Jr., CEO and President of Excel Corporation. Bret brings a broad perspective and deep experience to building our own merchant cash advance sales organization and will play a key role in developing our distribution capabilities in this important business segment.

Martin added, The transaction processing merchant services that Excel provides to its customers go hand-in-hand with providing these same customers much needed financing flexibility that they just cant get with many banks today. Businesses of all sizes, especially small and medium size businesses (SMBs) need capital to grow and we can help provide them with the money they need to achieve their goals. I am excited to be joining the Excel team and leveraging their dynamic customer base and national sales infrastructure to help serve the financial needs of the SMB marketplace.

About Excel Corporation

Headquartered in Irving, Texas, Excel Corporation provides integrated financial and transaction processing services to merchants throughout the United States. Through Securus Payments, Excel is a single source provider for virtually all types of merchant payment processing, including the new Apple Pay mobile payment and digital wallet service from Apple Inc. For more information, go to Through Mom Pop Merchant Solutions, Excel provides merchant cash advance products to its small and medium size business customers needing capital to grow. Go to Excel operates as a national ISO and Member Service Provider (MSP), using its own direct sales and marketing teams and fully integrated customer relationship management systems to promote and support its thousands of merchant customers. With over 160 employees and a nationwide network of independent sales representatives, Excel is one of the largest ISO/MSP companies in the United States.

Excel Corporation common stock is traded Over-The-Counter under stock symbol: EXCC. Additional information about the Company can be found at

All statements from Excel Corporation in this news release that are not based on historical fact are forward-looking statements within the meaning of the PSLRA of 1995 and the provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. While the Companys management has based any forward-looking statements contained herein on its current expectations, the information on which such expectations were based may change. These forward-looking statements rely on a number of assumptions concerning future events and are subject to a number of risks, uncertainties, and other factors, many of which are outside of the Companys control, that could cause actual results to materially differ from such statements. Such risks, uncertainties, and other factors include, but are not necessarily limited to, those set forth under the caption Risk Factors in the Companys most recent Form 10-K and 10-Q filings, and amendments thereto, as well as other public filings with the SEC since such date. The Company operates in a rapidly changing and competitive environment, and new risks may arise. Accordingly, investors should not place any reliance on forward-looking statements as a prediction of actual results. The Company disclaims any intention to, and undertakes no obligation to, update or revise any forward-looking statement.

Investors amp; Analysts Contact:
Robert L. Winspear
Chief Financial Officer

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Thursday, June 25th, 2015

NAPLES, FL–(Marketwired – June 11, 2015) – The independent authority on merchant services,, has named Merchants Advance Network the best merchant cash advance service for the month of June 2015. Merchants Advance Network was chosen based on their effective performance in an in-depth analysis of the solutions they offer. While there are thousands of services offering a variety of solutions, the recommendations consist of the best featured based on the results of the in-depth evaluation process.

These services are evaluated in order to determine which produce the top overall services. This is accomplished through the use of a set of evaluation criteria consisting of five criteria of evaluation used to benchmark and compare merchant cash advance services based on the most important aspects. The five criteria of evaluation used during this process include rates, calculation methods, security, customer support, and efficiency.

To supplement the research the independent research team also connects with customer references provided by the competing services. When connecting with customers the research team delves into the customers overall satisfaction. Feedback from customers is used to better understand the strengths and competitive advantages of the services being judged.

Merchants Advance Network has been awarded the rank of best merchant cash advance service in the monthly rankings at due to their exceptional customer satisfaction, their comparative performance over previous months, and their dedication towards excellence. It is due to this information that suggests customers of credit card processing solutions consider Merchants Advance Network.

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