This month’s Being Game: Awakening!

This month our Sacred Commerce practice reaches for the stars with being Awakening!

We asked our Dharma Dream Team to weigh in on what Awakening meant to them.  We’re thrilled to share their answers…

Awakening can be tricky in my experience because the more I want it the more I seem to push it away.  In fact, coming from a place of wanting/trying may actually be counter productive.  The Tao Te Ching illustrates this point beautifully:

“Fill your bowl to the brim, and it will spill.  Keep sharpening your knife, and it will blunt.  Chase after money and security and your heart will never unclench.  Care about people’s approval and you will be their prisoner.”

What I am learning about Awakening is that it is a continuous practice of choosing to be happy, fulfilled, awakened as opposed to trying to be.  This practice looks like choosing to be conscious of the present moment and how I am interacting with it: am I resisting the moment, disagreeing with it, engaging with it, or in love with it?  To the degree that I can choose to be with each moment is the extent to which I get to awaken to the beauty, mystery, love, and wonder each moment offers.

As a new member of the Dharma family, I am filled with an incredible sense of opportunity to truly begin my path of awakening. I’m inspired by a new perspective of being love and thereby calling forth love in all parts of my life. I recognize that without my previous paths and experiences I would not have reached this one and am so excited to jump into this new world of compassion, service, and gratitude. I’m taken aback by all the love that already existed in my life that I just wasn’t ready to see, especially with my family and friends. The practice of being me – being love – and seeing  the world without a lens of ego or judgment is my awakening.

To me, awakening is the state of becoming aware.  Aware of surroundings, implications, and the true meaning of what we perceive on a daily basis.  Awakening is the practice by which I am able to more fully understand what my place in this world is.  It’s the practice of seeing people not for their actions, but their intentions.  It’s also the practice of becoming cognizant of my own actions, and the implications of said actions on my friends, family, community, and world as a whole.  My awakening has been the realization that my only true gift to this world is love, and sharing it means being it.  Awakening, to me, is being the love that we all seek to share – no matter the circumstance.

Similar to the physical process of awakening from physical sleep,  spiritual awakening is my process of allowing my “dreams” of love, compassion and service to gain entrance into my daily “reality”;  the reality of my life situation, the reality of my family, the reality of my community, and at Dharma, the reality of my work.  Before Dharma, I would hit my awakening “snooze” button whenever I went into work.  Most places I worked made no space for awakening; and certainly didn’t encourage it.  Dharma has taught me that commerce with compassion not only helps me understand and meet the needs of my valued merchant community, but it also allows me to practice my commitment to service, to consciousness, and to love.  At night, I lay my head on the pillow knowing that my work has allowed me to practice what I believe;  love for my community, love for mother earth, love for my colleagues and love for myself.

For me, awakening is the process of cultivating the wisdom, compassion, loving kindness, and equanimity that comes from being present to what is arising in any given moment.  Our daily practice of Sacred Commerce has created a verbal forum to experience our own awareness as well as to bear witness to the transformation of our fellow dharma mates.

Choosing to practice “Business as a path of Awakening” has been a dream come true.  I see awakening as getting in touch with who we truly are.  This does not mean waking up to new knowledge, an improved state of mind or a better version of ourselves.  This means remembering that all of the truths and higher virtues are not only with us the entire time, but in fact are our very selves.

We wish you happiness and joy on your path to Awakening!

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Dharma is Among the First Benefit Corps in CA!

Dharma Merchant Services was privileged to become one of the first California companies to register as a Registering as Benefit CorporationBenefit Corporation.  “Benefit Corporation” provides a new legal structure to registered S or C Corps that allows companies to legally expand their purpose beyond exclusively maximizing shareholder value.  Benefit Corporations are also certified by an independent third part that affirms the company creates a material positive impact on society and the environment, and meets higher standards of accountability and transparency.

Many thanks to our legal counsel who scrambled to get our paperwork ready in time for this special day.  Pictured is Jonathan Storper from Hanson Bridgett LLP right there with Alexia to help file the documents.  Now that’s amazing service!

January 3rd was the first day the law went into effect, so we joined a cadre of like-minded businesses, including Patagonia, Give Something Back and ThinkShift, in line at the state office to register and show our support for this tremendous step forward in bringing triple-bottom-line operations into the mainstream.

For more information on Benefit Corporations, please visit http://benefitcorp.net/.

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Featured Merchant: Voyager

Voyager StoreThis month we’re proud to feature Voyager, owned by successful entrepreneur Robert Patterson.  We have the good fortune of working with Robert at two of his other ventures: Revolver and Ken Ken Ramen.

The Voyager Shop is a wonderful example of a growing theme in the conscious business world: collaboration.  The shop is an artistic collaboration between San Francisco based Mollusk Surf Shop, Revolver, Spartan and Michael Rosenthal Art Gallery, which offers the opportunity to cooperate rather than compete in design, purpose and structure.  Not only is the space Robert created innovative, the items unique-high-end and the staff friendly, the business model is one we admire for another reason: employees receive paid time off to utilize however they like.

How did you get the idea to start Voyager (and the idea for the submarine)?

I’ve always wanted to do a collaborative concept retail space with several points of interest. When the opportunity came up to partner with the Rosenthal Gallery to do an independent mixed retail space we couldn’t pass on it.  The submarine was Jay Nelson’s / Mollusk’s idea and was built in Jay’s style. We thought the whole shop should feel like a little alternate island with the submarine being our mode of travel, the store our “home” and so on.

What effect have you seen Voyager having on your community?
While we cater to a global market of customers via our online store – our retail stores are rooted as neighbor general stores. We love seeing regular customers return and helping them with their needs. Some of our favorite customers sometimes just hangout in our shops and others times we help them with their needs. We’ve been lucky enough to help customers with choosing suits to meet President Obama to suggesting the perfect dress for an anniversary date.  Being an independent retailer with interest in the community, we like becoming part of the lives of the city.

What is your favorite aspect of what you do?

Three fold. Our customers, our suppliers, and our staff.

We love customer service and really strive to help our customers find and make the best choices. It might sound corny but we really like when our customers return and we know them by their first names.

On the other end as a customer we love our suppliers and the effort they put into making unique goods and items from our the world. We know everyone we carry and strive to carry independent emerging crafts people from around the world.

Lastly we are so lucky to have a such an amazing staff. Everyone on the team is passionate and interested and gets along well. We are a very flat organization and everyone enjoys the contributions from everyone.

Any words of wisdom to share with budding entrepreneurs?

Just do it. If you have a passion and energy behind some idea or interest – everything else will become easy. Work becomes play and is very enjoyable.

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Top Five Failed PCI Compliance Requirements & Tips to Resolve Them!

Many thanks to VeriSign for producing this incredible report on “Lessons Learned: Top Reasons for PCI Audit Failure and How To Avoid Them”.  We highly recommend reviewing this easy-to-read report if you find yourself going down the non-compliant rabbit hole for what they reveal as the most common failure points:

Requirement 1: Install and maintain a firewall configuration to protect data.
Requirement 3: Protect stored data.
Requirement 8: Assign a unique ID to each person with computer access.
Requirement 10: Track and monitor all access to network resources and cardholder data.
Requirement 11: Regularly test security systems and processes.

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This month’s Being Game: Joy and Peace

This month our Sacred Commerce practice celebrates our holiday season’s quintessential qualities of being:  joy and peace. This season’s emphasis on them gives us an opportunity to reflect on joyful moments: moments passed and moments yet to come.  Upon reflection, we are grateful for the lessons, awakening, and accomplishments we have experienced in 2011.  This year has taught us that peace and joy are a state of mind and are always present inside of us, ready for us to choose to express them in our thoughts, attitudes, speech, beliefs, and actions.  We have learned that cultivating joy in our lives is as simple as choosing to celebrate what each moment has to offer.  We have also learned that peace can come through an active practice of mindfulness from which awareness of the bigger picture arises. Here are some other examples of how we cultivate peace and joy:

  1. Tell a joke or laugh at one
  2. Share inspirational stories
  3. Give something away
  4. Acknowledge someone
  5. Enjoy a quiet moment with yourself or others
  6. Share meals or good food
  7. Practice self care and compassion
  8. Count your blessings (focus on what you’re grateful for)

What have you learned this year and how do you cultivate joy and peace in your life?

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2011 Highlights

We’re grateful for another incredible year for Dharma Merchant Services as we continue to create a powerful brand that is identified with “Right Livelihood”.    All you have to do to validate the buzz is to Google the term “merchant services” and see where we appear.    Here are some highlights of 2011:

  • Alexia and Jeff continue to be interviewed in the leading trade publications such as The Green Sheet, ISO & Agent, Digital Transactions and Transaction Trends, to provide an example of how to operate a business with Awakening as a beacon.
  • In September, Dharma moved into new offices in the historic Shell Building, bringing our belief in “love is good for business” deeper into the financial district of San Francisco, and giving us much needed breathing room for growth and expansion.
  • Jeff convinces one of the largest receipt-paper suppliers to carry BPA-free paper.
  • Two new amazing team members came on board, allowing us to better serve you as we expand.
  • Dharma went completely paperless!
  • In alignment with our mission to use our success to support the non-profit community, we donated our largest amount ever, in excess of $30,000.
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Favorite Gathering: Green Chamber of Commerce Annual Event

We were delighted to attend the Green Chamber of Commerce Annual Event! Celebrating  “A Taste of the Bay” and held at the beautifully remodeled Levi Strauss & Co. headquarters in San Francisco, the event was filled with so many of our favorite Bay Area merchants such as Green Dentistry, Equator Coffee, Three Twins, and Frey Vineyards, as well as exciting companies new to us like Trim Tab Media!

We thoroughly enjoyed the fabulous program of speakers (expertly put together by Green Chamber Executive Director Stacie Shepp and the Green Chamber team) that included passionate and engaging community leaders such as Mitchell Rofsky of Better World Club, David Bodwin, co-founder of the American Sustainable Business Council, and Donald Simon of Wendel Rosen Black & Dean LLP who also served as lead attorney in advocating for the recently passed B-Corporation bill.   The joyous Jess King ushered the evening to its close accompanied by a small, but riveting electric cello.

Congratulations to all who attended, catered, volunteered, and made the annual event a wonderful success!  Our sincere thanks to the Green Chamber for hosting and fostering such a brilliant community of movers and shakers in the green business movement.

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Fraud Alert: Processing International Orders

To help avoid being the victim of fraud, we recommend shipping products outside of the US only once you have vetted the cardholder and verified their address.  If you are processing with Authorize.net, the default Address Verification Service (AVS) settings will automatically reject transactions placed on cards that were not issued in the United States, and you will see a letter code returned with the decline reason that corresponds to a specific AVS reject reason.  If you decide to change those default settings so these transactions are not automatically declined, please take care to not fulfill the order, especially a large order, without vetting the customer first:

  • Require copies of the customer’s passport and the front and back of the credit card. Most thieves will not reply, assuming that you are “fraud aware”, and have caught on to them.  If they do respond, contact the card-issuing bank using the toll-free number on the back of the card and ask them to call their customer to verify that the charge is legitimate.
  • Call the phone number given with the order.  It may be bogus or could be the actual number of the person whose card was stolen. Ask the cardholder for the card expiration date, and the details of the order.  Fraudsters often lose track of which card they used on which site, and go on a “shopping spree”, not remembering who they ordered from or what they ordered. A legitimate consumer will know exactly what they ordered and will be able to repeat their order accurately.

We with you much success in the world economy but hope you take care with these orders to make sure you are not putting yourself at risk.  Trust your instincts and if you ever want to double-check with us, please give us a call!

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This month’s Being Game: Being Healthy

This month we are “Being Healthy” as part of our monthly Dharma & Sacred Commerce practice.  At Dharma, we share the perspective that health doesn’t just mean a healthy body or a healthful diet but encompasses practices of regular nourishment and love of our bodies, minds, and spirits.  Whether its fulfilling a life-long dream to travel (our Co-Founder, Alexia, just returned from 3 weeks in Nepal with Heifer International); going on a spiritual retreat (our other Co-Founder, Jeff, is attending one at Spirit Rock next week); planting, harvesting, eating from, and sharing organic vegetables (our Account Manager, Trace, has an organic farm in Petaluma);  rock climbing (our Account Manager, Nick, is one amazing monkey); cooking and singing daily like our Office Manager, Yebuny; or practicing virtues like compassion and gratitude (some of our favorites here at Dharma), there are myriad ways to cultivate health and well-being in our bodies, minds and spirits.  We find taking care of ourselves and each other with these practices are also great ways to practice gratitude- especially during this holiday season!  How are you choosing health and well-being for your body, mind, and spirit?

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Fraud Trends

Fraud losses cost the financial and retail industries over $250 billion annually, and cybercrimes get more sophisticated every year. Here are some new fraud trends and how to respond to them:

Card Skimming: Here, thieves install undetected skimmer devices inside the card reader of terminals and capture credit card data. To safeguard against this, keep your credit card terminal accessible to employees only, and watch for signs of tampering.

Malware Attacks: Malware, short for malicious software, gains access to and damages a victim’s computer without the victim’s knowledge. In 2009 the frequency of this type of attack was 10 times greater than in 2008. Most malware attacks today are designed for financial gain. The malware escapes detection while collecting and transmitting sensitive data such as the user’s bank account information, passwords and credit card details.  To protect against malware, always keep your virus protection up to date, because vulnerabilities are usually found in older or out-of-date virus definitions.  Never store unsecured credit card details on your computer.

Card Testing: This involves software that automates the testing of stolen credit card numbers using an eCommerce website.  We saw two cases of this last year, where a non-profit organization’s website was used to run hundreds or thousands of transactions for small amounts ($1.00) so the card numbers could be tested.  This caused the non-profit to incur the authorization fees until they caught it and took the website down or the thief finished testing all of the cards.  To prevent your site from being used for card testing, set the “Daily Velocity” filter under the Account menu in Authorize.net, and monitor your transactions daily.

Fraudulent Returns: Here, someone with access to a credit card terminal will run a return transaction on their credit card, putting a credit on their card, when there was no original sales transaction to be returned.  The thief will often do this first thing in the morning and then batch out the terminal so there is no record on the closing report.  To protect against this type of fraud, keep the terminal in a protected area and consider putting a password on the return function.

Whaling: First we had phishing, where emails prompted users to reply with sensitive information to confirm they are the actual owner of specified accounts.  This evolved to SMSishing, where the solicitation was sent via text.  Now there’s whaling, where profiles on LinkedIn and Facebook with descriptors like vice president, chief executive officer, chief financial officer, etc. are targeted. Google was hacked in 2010 via a PDF file sent to executives that, once opened, caused vulnerability on each user’s computer so hackers could steal information.  If you have one of these profiles on Facebook, LinkedIn, YouTube or other social media outlet, keep your private information private and watch out for requests for sensitive information.

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