Q: A merchant account is a bank account that allows you to accept credit card payments.    The bank has a processing relationship with the credit card companies.  A nonprofit organization can establish a merchant account with any bank or credit card company.  Merchant accounts often have various fees attached to them. Decide which credit card brands you want to be able to accept, such as Visa, MasterCard and American Express.  Also, you may want to allow your donors to submit debits directly from their checking accounts.  Anticipate the volume of donations you expect to received and whether or not you will be processing recurring donations. Merchant account providers charge many different kinds of fees.  The kinds of fees and the amounts charged vary.  Compare different financial institutions to find one with a fee structure that suits your needs.  Merchant accounts charge two types transaction of fees.  The first is a per-item flat rate that you will be charged for each credit card transaction.  The second is a percentage fee, which charges you a percentage of each transaction.  Percentage transaction fees may be assessed in a tiered fashion.  Different types of transactions are classified into specific tiers, each with its own rate. Other fees associated with a merchant account may include set up fees, address verification, monthly and annual maintenance fees and gateway access fees. In addition to considering the fees they charge, evaluate merchant account providers based on the services they provide.  Different merchant account providers have different software requirements and customer support options.  Some institutions provide you with software and payment acceptance options, while others require you to purchase these separately from a different provider. Find out how easily you can customize your website, invoices, payment forms and payment communications.  If you don’t have a lot of technical expertise, you want these processes to be as automated as possible. Choose a merchant account provider with a proven reputation of secure transactions that protect your donors’ financial information. Once you have chosen a provider, understand that they may put you through a rigorous application process before allowing you to accept credit card payments.  Expect to provide financial records and information about your business model.  In addition, you may be asked for personal financial information.  You should also expect them to run a credit check on you. With a merchant account, the name of your organization appears on all financial transactions, so donors see your name on their credit card statements, which is important for branding.  Also, funds arrive in your account quickly.  The disadvantages of a merchant account are the expensive fees and the complicated set-up process. Log in to your merchant account software.  Enter your donor’s payment information.  Click on the collect payment button.  The credit card transaction will then be processed, and the funds will be deposited into your account.
A: Sign up for a merchant account. Choose how you want to accept payments. Understand merchant account fees. Evaluate merchant account providers. Apply for the merchant account. Understand the advantages and disadvantages of a merchant account. Begin accepting payments.

Article: If you have multiple dogs and only one of them is displaying cold-like symptoms, separate your other dogs. Provide your sick dog with a quiet, isolated resting place, and keep your other dogs separate until the symptoms subside. Make sure your sick dog has their own food and water dishes. Do not let them share food and water with your healthy pets until symptoms have completely subsided. A dog’s immune system is in better shape when they are healthy. Keep your dog in its best shape by making sure they get a healthy, balanced diet appropriate for their age and size, along with exercise and play time every day. It is also important to take your dog for their semi-annual check-up with their vet to make sure they are healthy and up to date with all their shots. Clean your dog’s hard plastic toys and their food and water dishes with dish soap and warm water. Clean softer rope and fabric toys in the washing machine, and allow them to air dry. If your dog’s toys are shared, you may want to clean them more frequently. While there is currently no vaccination against the canine cold, vaccines will help prevent against other, more serious illnesses that have cold-like symptoms. Talk to your vet about the 5-in-1 vaccine, which protects against distemper, hepatitis, leptospirosis, parvovirus, and parainfluenza. Your dog’s vet should have their vaccination records and can let you know when your dog needs a new vaccine.
Question: What is a summary of what this article is about?
Quarantine sick dogs. Keep them healthy and active. Clean your dog's dishes and toys at least once a week. Stay up-to-date on your dog’s vaccinations.

Q: If you're familiar with common phishing attempts, you'll be less likely to fall for them. University and government cybercrime or information security websites are good sources of information.  For example, the Berkeley Department of Information Security and Policy has an archive of phishing messages available at https://security.berkeley.edu/resources/phishing/phishing-examples-archive. You can also find news and information at https://www.antiphishing.org/, the official website of the Anti-Phishing Working Group. A legitimate email typically will have a specific subject line that gives you a basic understanding of what the email will say. Phishing emails, on the other hand, use vague phrases such as "Urgent Reminder" or "Your Account at Risk" to alarm you.  Phishing email subject lines may also start with the abbreviation "Re:" to make you think the email is a response to an email you've sent. However, if you look at the email thread you can clearly see that there are no other emails. The subject line also may use special characters, emojis, or extra spaces. These don't serve any real purpose other than to draw your attention to the email by making the subject line look different from others in your inbox. Particularly if an email comes from a business, government agency, or other organization, the sender typically proofreads carefully before sending it. Obvious spelling and grammatical errors are a red flag that the email may not be legitimate. Also pay attention to the way language is used. Phishing emails frequently use words incorrectly or include awkward turns of phrase that no one would actually say. Scammers typically try to make the email address a phishing email is sent from look official or legitimate if you just glance at it. However, upon closer inspection, you'll note that something is amiss.  Instead of ending in ".com," as it should, the email address may end differently. They may include "com" in the domain to fool you. For example, you might get a phishing email from "airbnbcom.work" instead of "airbnb.com." It can take a second look to notice that odd extension. The company name may be spelled incorrectly, such as by having transposed letters or a single letter where there should be doubled letters. For example, you might get an email from "welsfargo.com" (attempting to impersonate the bank Well's Fargo). Phishing emails are desperate and insistent that the matter is urgent and you have a limited time to help or to correct a problem. Scammers want to raise a panic in you so that you give them your personal information without thinking. By the time you figure out that you've been scammed, it will be too late.  Variations of this include "last reminder" emails. If you get an email claiming to be your "last reminder" of something and you never received any previous reminders, it's likely a phishing attempt. If the scammer is impersonating a friend or family member rather than a business or government agency, contact that person directly and ask if them about the email. Scammers often use copyright and trademark symbols to make their emails appear more official. However, business communications, such as emails, aren't entitled to copyright protection. A phishing email may include legitimate logos or other branding from the company or organization the scammer is trying to impersonate. They want to make their email look as believable as possible so you'll fall for the scam. Don't expect a scammer to respect intellectual property rights.
A:
Read information on the latest phishing attempts. Check if the subject line is vague or oddly formatted. Look for spelling, grammar, and punctuation errors. Examine email addresses carefully. Treat "urgent" requests with suspicion. Recognize improper use of copyright or trademark notices.