Monday, 22 May 2017

Spring clean your finances with Eazipay and save £345

You've cleared out the garage, tidied the loft, de-cluttered every room in the house and scrubbed the fridge. But what about your finances?

With the Spring cleaning done it's time to give some thought to your 
Financial Spring Clean and we'd like to do our bit to help by reducing our Direct Debit set-up fee.

From the 
22nd to 31st May 2017, we're taking the mop and bucket to our usual Facility Management Service set-up fee of £495.00 and scrubbing it down to just £150.00.

Three for Free
For all new customers that sign up to our Facility Management Service between the 22nd and 31st May, we'll also be offering three months' worth of reports for FREE, effective from the date the first input file is received. 

Who knew Spring cleaning had so many benefits?

Thursday, 18 May 2017

New credit and debit card service for Eazipay

We are delighted to launch our brand new Payment Gateway. This means we now have a credit and debit card solution.

We have worked hard to bring you this solution and we are really pleased with it. 

Eazipay Payment Gateway – the quick and easy way to process card payments online or via telephone.
  • Access to our MMS (Merchant Management System) and Virtual Terminal, allowing you to view and process transaction in real time.
  • Unlimited use of the Pay Button to encourage your customers to make prompt online payment
  • Supports all mainstream debit and credit cards
  • Software integration help and advice for you and your website developer
  • Choice of online and telephone card payment process
  • Safe and secure – Level 1 PCI:DSS compliance giving you and your business absolute security
  • Use of our fraud screening tools – 3D Secure, AVS, CV2
  • The most competitive Merchant tariff available – guaranteed!

Thursday, 20 April 2017

What does a snap election mean financially?

Image result for parliament

So, in a move that caught just about everyone out, Theresa May called a snap election. This means quite a bit for our little island. On top of all the usual national issues, like education, NHS, Armed forces, Social Care etc. We have Brexit. Which, given all the news, you could be forgiven there is nothing else going on politically here in the UK.

Image result for theresa may announces election

Without getting political, it did make sense for her to call the election, even though she had said she wasn't going to. If a week is a long time in politics, then 9 months must be an age... She did have to avoid the French and German elections, plus it does put a few of the critics to bed. The SNP have continually said she is unelected, so that would solve that issue.

Image result for brexit
The B word (Brexit) does loom very significantly over Mrs. May's Government. There will be all sorts of compromise needed, and she needs a larger majority to get some of those things done. On the flip side, if she doesn't end up with a majority, we could all be in for a very long drawn out mess.

As soon as the announcement was made the markets all reacted and there was a drop in the FTSE of 2%, but as is always the case the pound rose fairly sharply at the same time. Looking at all of this coldly, Mrs. May has taken a political gamble, but also a financial one. If we do have a hung parliament again, then the financial institutions, that rely on stability, will go into meltdown.

Let's hope she has made the right call.

Short term, the markets will be a little more volatile than they have been. You only have to look at most of the past General Elections to see investors get nervous and markets become unpredictable. We also don't know what is coming, surprise announcements, and manifestoes etc.

Image result for volatile markets
The polls have this a done deal as an election, but then the polls got the last election horribly wrong. However, if the polls are correct we will be in a stronger position to negotiate our withdrawal from Europe than we currently are, albeit not the strongest negotiation position ever. We have also seen some huge shock results in recent years. The European referendum was seen as a stay in win, Mr. Farage even conceded, and then results came in. The last General Election, then there is Mr. Trump. If this election goes the way of the polls, we will see some stability, but then France and Germany go to the polls. That could rock everything, we just don't know which way. The fact we don't know will mean a rather unpredictable few months, but most of the 'experts' are saying that Sterling will rise, which will have an effect on the markets.

The one thing we do know is there will be precious little other news floating around, unless Mr. Trump manages to do something that negates all of this of course.

Tuesday, 7 March 2017

What can we expect and what do we already know about the Budget?

Is it really budget time already? It seems to come around quicker and quicker. This budget we have Phillip Hammond delivering his first one. There is an awful lot going on, but he is seen as a very safe pair of hands. With Brexit looming he will need to deliver a budget that inspires confidence. He is quite fortunate to have had an economy performing better than expected - so we may see some good news, for once...

So, where will Mr. Hammond splash his extra cash? There has been some suggestion that there could be some relief for those hit the hardest by the business rate rise. The obvious place is the NHS and social care, which needs more than a bit of help. He will probably put some of it in the bank as a backstop though, with some very big unknowns on the horizon.

It seems the case these days that we get little bits of info in the lead up to the budget. So far, we have heard that there will be £500 million for skills-based training in young people. We are heading for a big shake up in the post 16 education field - and about time too.

We already know that the ISA limit is set to be raised again, up to £20 000 in the next tax year. That was part of a timetable set by George Osborne. There is also an expectation that we will hear more about the Guaranteed Growth Bond.

There was an announcement about a £20 million D-Day memorial on Normandy Beaches, which will come from the fines paid by the banks - a nice use of the money.

The income tax threshold is due to rise to £11500 in April, and the higher rate to £45 000, but we will more than likely hear about further rises, to reach the target of £12500 and £50 000.

There have been a lot of other bits and bods in the news on possible changes being introduced. One of which is National Insurance for self-employed people, currently at 9% going up to 12%.

Cigarettes will once again be in the firing line, the rumour is that there will be a minimum price per packet of £8.68. There is also a possibility that pensions tax relief may see some action.

We would like to see more help given to SMEs. The government talks a good game, but it never quite delivers. The late payment issue only increases, and costs are going up and up, putting more pressure on the backbone of our economy.

Will we see an increase in fuel duty? We hope not...

One thing for sure, this won't be the most exciting, game-changing budget we have seen. Mr. Hammond will want to keep his powder dry as Brexit starts to dominate even more...

Monday, 16 January 2017

Win with Eazipay

Following the success of our ‘new payer’ promotion last year, we’ve decided to give all our clients another chance to winwinwin, simply by signing-up new Direct Debit payers!

From the 1st – 28th February 2017, we’ll be reducing the cost of our normal ‘new Direct Debit payer’ fee. Gone is the usual £1.50 per new payer fee and in its place comes the discounted cost of just 99p. And if that wasn’t enough, when you sign up a new payer during the promotional period you’ll be entered into a prize draw to win a meal for two at Pizza Express and two cinema tickets!

It couldn’t be easier. All you have to do is keep doing what you’re doing and encourage more and more of your customers to sign-up to Direct Debit. Our new payer set-up system is fully automated so we’ll be able to access your account and see when you signed up a new payer between the 1st and 28th February.  

Just like last time, there is also an incentive for the client manager whose client wins the most new payers. SO they are quite keen for all our clients to get signing up new payers...

If you would like to know more get in touch with your client manager, or to find out how to become an Eazipay client visit

Wednesday, 7 December 2016

Don't get caught short this Christmas...

Image result for christmas money uk

Eazipay are advising all their clients to plan ahead for the festive season, so they avoid missing or delaying any payments over the festive season.

This year is a little different as Christmas falls on a non-processing day, meaning that this year the 27th December is also a Bank Holiday. This means that the first day after Christmas for payment processing is Wednesday the 28th December.

If you are making payments via Direct Credit or collecting via Direct Debit then files need to be processed no later than midday on Thursday 22nd December in order for the payment to go through on the 28th. 

It is just the same with New Year too. New Year's Day falls on a Sunday, so Monday the 2nd of January is a Bank Holiday, meaning it is a non-processing day. Therefore, to have payments credited or debited on Tuesday 3rd January, files need to be with Eazipay by midday on the 29th December at the latest.

Luisa Grey, Eazipay's Operations Director said "We have seen in previous years that some people don't take the non-processing days into account, and that can result in some real problems. If companies plan ahead a little then staff and suppliers can be paid on time."

Perhaps for SME's Cash Flow is the most important part of the process. Luisa added "Companies rely on their money being in their account when they need it. Not planning for the non-processing days could mean life or death for some businesses."

So Eazipay are hoping that with some simple planning everyone can have a Happy, cash flow positive, Christmas.
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Wednesday, 2 November 2016

80 years of TV

Image result for ally pally bbc

Today marks the 80th anniversary of the launch of the first regular TV service. It started at 3pm and was the BBC broadcasting live from Alexandra Palace.

Image result for ally pally bbc

So the Press Association have released a chart detailing the most watched programmes since that day. Obviously, as TV's got more popular the numbers of viewers grew, but the peak happened a number of years ago. These days we all have a multitude of ways of consuming our programmes and it means that the viewer figures are never likely to reach the heady heights achieved in the 80's and 90's.
Can you guess what is the most watched programme? We'll let you know later. The oldest programme to make the list is a Royal Variety Performance from 1963 when 21.10 million tuned in. It did have one advantage though, the Beatles were performing.

Image result for beatles on Royal Variety 1963

The most watched factual programme of all time was the 1995 interview with Princess Diana by Martin Bashir. A whopping 22.8 million people watched it, just going to show you just how popular she was.

Image result for princess diana panorama

So did you guess right about the most watched programme of all time? To qualify, repeats are not added, this is sitting down and watching the programme when it was broadcast. The most watched programme of all time was.... Only Fools and Horses, specifically the programme from 1996 when Del Boy and Rodney find a valuable watch and are actually made millionaires. An amazing 24.35 million tuned in to watch it. That's more people than the entire population of Australia!!!
The list itself is below. The obvious missing programme is Eastenders. Back when Dirty Den asked Angie for a divorce, the BBC reported that 30 million people watched it. However the Beeb was adding repeats to the number, so it didn't count.

Image result for den asks angie for a divorce

1 - Only Fools And Horses (BBC1, December 29 1996): 24.35 million
2 - To The Manor Born (BBC1, November 11 1979): 23.95 million
3 - The Royal Variety Performance (ITV, November 19 1967): 22.80 million
4 - Panorama (BBC1, November 20 1995): 22.77 million
5 - The Royal Variety Performance (ITV, November 14 1965): 21.70 million
6 - Dallas (BBC1, November 22 1980): 21.60 million
7 - To The Manor Born (BBC1, November 9 1980): 21.55 million
8 - The Mike Yarwood Christmas Show (BBC1, December 25 1977): 21.40 million
= Coronation Street (ITV, January 2 1985): 21.40 million
10 - Only Fools And Horses (BBC1, December 25 2001): 21.35 million
11 - Only Fools And Horses (BBC1, December 27 1996): 21.33 million
12 - Only Fools And Horses (BBC1, December 25 1996): 21.31 million
13 - The Morecambe And Wise Christmas Show (BBC1, December 25 1977): 21.30 million
14 - The Royal Variety Performance (ITV, November 10 1963): 21.20 million
= The Silver Jubilee Royal Variety Gala (ITV, December 4 1977): 21.20 million
16 - Bread (BBC1, December 11 1988): 20.95 million
17 - The Benny Hill Show (ITV, March 14 1979): 20.85 million
18 - Coronation Street (ITV, December 18 1980): 20.80 million
19 - Just Good Friends (BBC1, December 21 1986): 20.75 million
20 - Sale Of The Century (ITV, November 19 1977) 20.60 million
= Coronation Street (ITV, January 9 1985): 20.60 million
= Coronation Street (ITV, January 16 1985): 20.60 million