The Do’s and Don’ts of Surcharging Credit Card Transactions

When it comes to payment acceptance, being flexible to how your customers want to pay you is important for building a successful business and loyal customer base. This may, however, bring added costs to your bottom line, and if you’re operating with already narrow profit margins, these costs can further shrink the gap between your income and your expenses. As a result, you need to be creative and find new ways to compensate for these added costs. One possible way some industries employ is by surcharging your customer’s credit card transactions.

Surcharging Credit Card Transactions

For some businesses, adding a surcharge fee to credit card purchases is an effective way to make credit card acceptance more affordable. Unfortunately, however, it is not possible or acceptable for all industries and, therefore, its implementation must be carefully considered so as to ensure your customers are not being pushed away in the process, nor are you falling out of compliance.

Here are three ‘Do’s’ and ‘Don’ts’ of surcharging that will help you gauge whether such a solution would benefit your business, or if you should avoid it entirely.

The Do’s of Surcharging Your Customers

  1. DO provide customers with full disclosure of the amount you’re surcharging at the Point of Sale/Interaction.
    It is crucial for suppliers to give their customers a clear indication during the point of sale or interaction that they are being charged, and the amount of the surcharge must be explicitly stated.
  2. DO display the sale and return amount separately from the surcharge amount on the cardholder’s receipt.
    Suppliers must list the surcharge amount on the cardholder’s receipt separately from the total sale amount and the amount of the return available to customers.
  3. DO offer customers alternative payment options in case they don’t want to pay the surcharge fee.
    Be flexible! Suppliers benefit from offering alternative payment methods like cash and debit. In this way, suppliers may still complete their sale, while their customers can still pay how they want to, but without the added fees like those associated with credit cards.

The Don’ts of Surcharging Your Customers

  1. DON’T surcharge if the cost to the customer exceeds 4% of the total sales amount OR if the charge exceeds the credit card processing fee you currently pay.
    If you apply a surcharge fee to credit card transactions, you must ensure it doesn’t exceed 4% of your customers’ total purchases or the credit card processing fees you’re currently paying.
  2. DON’T surcharge on everything you sell; only surcharge on low margin items where possible to maximize profit and maintain customer loyalty.
    Surcharging is effective for those suppliers selling product with low margins and who want to maximize their profitability. By only surcharging on low margin items, your customers should remain loyal to your business as the fee will only apply to select items that you sell.
  3. DON’T engage in surcharging if your competition is high, as you may inadvertently encourage your customers to seek out alternative supplier options.
    If the market you play in is highly competitive, and your customers have strong substitute power, do not pursue surcharging! Doing so may steer your customers away and lead them to seek out alternative solutions that better suit their needs.

A Few Things to Note

In addition to our suggestions above, there are three policies which must be adhered to should you choose to pursue surcharging credit card transactions:

  1. Prohibited Card & Transaction Types
    Surcharging is prohibited on American Express credit cards, debit cards (including MasterCard, Visa, Discover Signature, and PIN or PINless cards), and pre-paid card transactions. Should your customer choose to pay you in any of these ways, you are barred from surcharging their transaction.
  2. States Where Surcharging is Prohibited
    In addition to the first point above, surcharging is barred in a number of states within the United States, including: Connecticut, Colorado, Kansas and Massachusetts. Should your business have locations in any of these states, you are prohibited from adding a surcharge to your customer’s receipt.
  3. Processing Requirements
    Lastly, if your business plans on surcharging credit card transactions, you are required to register with each card brand individually before participating. Refer to these links for more information:


Surcharging can be helpful for those organizations who are looking to curb the fees associated with accepting credit card payments from their customers. Your business may be a good fit for applying surcharging fees if competition in your industry is low, if your margins are thin, and/or if you have a strong customer base. For greater insight into whether your business should consider applying surcharging fees to credit card transactions, consult your 2CP representative today to learn more.

Intacct Partner Spotlight

Partner Spotlight: Fraser Armstong-Watters from Consero

Welcome to our new Partner Spotlight series, where we feature one of our valued partners in the Intacct reseller channel. This initiative focuses on highlighting the AWESOME people we get to collaborate with on a daily basis! Take a break from the daily grind and get to know Fraser Armstrong-Watters from Consero:


  • What do you enjoy about working in your industry?
    Finance provides clarity and transparency to the past, present and future, facilitating an executive teams’ capability to make informed decisions. I enjoy being responsible for the information which drives decision making, while also seeking to add value through the provision of insights and perspective focused on collective business success.
  • What motivates you to come into work every day?
    Working with like-minded, ambitious and determined individuals on challenging problems gets me out of bed in the morning. Throw some office banter and coffee runs in there for good measure!
  • How do you spend your spare time outside of work?
    Sport and Family are my two pastimes outside work, you will find me walking the Lady Bird Trail (Austin) with my Fiance during the week, and lacing up Rugby boots on the weekend!
  • If you could eat dinner with any historical figure/celebrity, alive or dead, who would it be, and why?
    Being an Australian Native, I rarely get to see my family back home — once every two years which is challenging. Therefore, a home-cooked meal with my mum and dad would be my choice (they are my celebrities).

Thank you, Fraser, for sharing a little bit about yourself with us. 2CP enjoys a great relationship with the team at Consero, from knowledge-sharing to solution selling. You can follow Consero on Linked, Facebook and Twitter.

Want to learn more about becoming a partner with 2CP? Contact us HERE.


Email Invoicing with Sage Intacct

Why Digital Payments Now

Are your accounts receivables still reliant upon checks? Are your business processes still heavily manual, receiving payments by mail and dependent upon teams to prepare deposits and reconcile manually? Several macro-economic trends indicate that organizations now, more than ever, should be utilizing electronic payments. Not only to minimize manual processes and reduce costs, but to please customers who prefer the convenience. The added bonus of getting paid faster will delight finance teams who are focusing on cash flow. Read more

email invoicing in Sage Intacct

Solve the Invoice Jam and Give Customers What They Want

Your customers want to pay you how they want, when they want, and where they want… And of course, they want the process to be as easy as possible. Whether it’s choosing to accept alternative payment methods, allowing customers to pay invoices by ACH or credit card, or introducing simple financing options for larger ticket items, the more opportunities that exist to generate sales also presents the threat of increased manual processes and potential for more human error for your finance teams. Automation, however, eliminates these threats and allows you to offer a more customized user experience, in which your customers pay you according to their terms. Your Accounts Receivable process is a great place to start when looking to increase efficiencies across your business, while giving your customers what they want.

What Your Business Gains from AR Automation Tools

The right AR automation solution will transform your collections process and enable your team to do more with less, better serve your customers, and better manage your cashflow. Here are just 4 of the ways AR automation will benefit your company:

  1. Reduction in Human Error
    Invoice dates and amounts, supplier names, and payment information are all prone to containing mistakes, but when your solution is integrated with Sage Intacct and automated, your team can more feel secure in knowing they are always working with accurate information.
  2. Faster Collections
    Most AR automation tools in the market today enable businesses to accept a wider variety of payment options. With preferred payment options, your customers will feel empowered, and appreciate the ease of use your payment experience provides, allowing you to collect faster on invoices.
  3. Cash Flow Optimization
    By driving faster payments, you free up money that would otherwise be tied up in late paying or overdue accounts. This will help your business optimize its cash flow, enable you to be more competitive in the marketplace, and ultimately, make you better suited to invest in projects that will further grow and scale your business.
  4. The Ability to Navigate Economic Uncertainty
    For many businesses, the current economic environment has created shortfals lin cashflow, leading to significant new challenges. With continued uncertainty surrounding COVID-19, businesses need to make processes digital where and when they are able to. Automating pieces of your invoicing process will enable you, your team and your customers to continue transacting while working remotely, and leaves your business better equipped to navigate future economic uncertainties.

There are many options in today’s market that will automate the entire AR cycle, which is especially crucial for companies that send out large volumes of invoices. Similarly, there are steps you can take using the systems you have in place today to start automating your processes. With 2CP email invoicing, you now have the ability to include a pay link and the PDF invoice from customized email templates for your invoicing directly in Sage Intacct. Watch our video to see how 2CP takes the first step in helping you solve the invoice jam and minimizes DSO:

PIVOT! Payment Tips for Navigating a Shift in Operations

We all know the iconic scene in Friends when Ross and Chandler navigate a tight staircase with a large couch. Right now, many businesses are also yelling “PIVOT” as they transition multiple aspects of their business model in short order.  For many businesses, it’s pivoting to a work-from-home routine and ensuring their employees have what they need to accomplish their daily tasks and continue to be successful in their roles. For other businesses, its more extreme by pivoting their order and fulfillment process. Brick and mortar retailers are the most common example, who in many cases have had to shift to an online ordering and delivery system where one may not have existed before. And then there are the most extreme cases where manufacturers, distributors and retailers have shifted the very product set they make and/or sell to accommodate the changing demands of society. Through all these quick pivots, it’s crucial to not “break the couch” and ensure critical pieces – like customer payments –  aren’t broken or lost in the process.

Remote Workforce Shift 

Remote working brings about many challenges for organizations, and the AR department is no exception. For businesses that rely heavily on manual and paper-based processes, the current situation is especially tough. It’s important for finance leaders to make the necessary changes now, in order to position their company for survival in the months ahead, and an eventual return to growth. 

You’re not at your office to print and stuff envelopes. Your customers aren’t at their offices to receive invoices in the mail. Making your invoicing process fully digital enables you to deliver invoices from your at-home office and ensures your customers can receive those invoices from wherever they are working. Beyond the usual arguments for going digital – time savings, eliminate mistakes caused by manual entry, and save envelope, printing and postage costs – digital invoicing can help ensure business continuity in today’s rapidly changing market, and will help your AR department to efficiently operate and ensure cash flow is stabilized.

Extreme Pivot in Operations

We recently worked with a company that not only shifted many of their internal operations to continue to function remotely, but they truly made the ultimate pivot and transitioned portions of their manufacturing business to address the growing demand for PPE in the medical field. This new line of business required a new sales and distribution method, and it was time to introduce their first online ecommerce platform. Imagine having never sold directly to the consumer, and never having an online shopping process – to having to turn up an ecommerce platform in extremely short order?! In less than a week, we were able to work with this client and their ERP system to launch a fully integrated ecommerce site for the rapid deployment and fulfillment of PPE equipment orders to hospitals and medical facilities worldwide.

While most businesses aren’t facing a monumental task of launching a whole new division and sales workflow in 4 days, this trying time is definitely a challenge for merchants, manufacturers, distributors of all sizes. Technology is available to help the transition, and can be implemented faster than you may think.  Whether pivoting your AR to ensure it is easy for your customers to pay you and for your AR department to process payments, or implementing a shift in how you sell and receive payments, 2CP is here to help. Contact us now to find out more.

AR AUtomation with Intacct

Surviving the Mobile Workforce Shift and Still Getting Customer Payments

Recent conditions have forced a radical and sudden shift in the workforce, with employers scrambling to ensure employees have the remote access technology in place to perform their tasks at home. During this mobile workforce shift, the immediate need – once HR and IT sorted out work from home policies – was ensuring customer service and support was still available and able to address client issues. Certainly, sales required attention, and making sure that the order process was still intact was top of mind as well. Some businesses are having to adjust their order processes with a transition to online payments for the first time, finding themselves with the urgent need to adapt eCommerce platforms. It is crucial during this time to maintain cash flow, and the way to do that is to make it easy for customers to pay you.

Your customer’s Accounts Payable departments may be working remotely, and if they were still reliant upon printing checks and sending payments by mail, the process may be significantly slowed down if just one person got to bring the printer or check register home! A delay in sending payments by just a few days can have significant impact to your company’s cash flow.

Consider your own Accounts Receivables team… where are checks being mailed? Who is getting the mail and making the deposits? Is more time being spent taking payment information over the phone, or addressing late payments and multiple invoices?

It’s no secret that companies with strong financial flexibility and positive cash flow fare better in downturns, by avoiding the costs of financial distress. Here are 3 immediate Accounts Receivable actions can better position your company for challenging economy:

  1.  Stay on top of your receivables. Run a report and determine which customers are paying on time or in arrears. Have an internal strategy for dealing with customers who are late on payments, deciding the position you want to take for customers falling on hard times during this unexpected global fallout. Call any that fall into the “arrears” category — and particularly those that have already or are close to extending past the agreed-upon terms — and start collecting or offering options. Offer incentives for companies that pay their invoices early and follow through with charging the interest or late fees outlined in your original contract. This will discourage customers from paying you late.

  2. Expand options to pay with less room for error. Let’s put yourself in your customers’ shoes: A company that offers a variety of payment methods and makes it easy to pay based on preferred payment methods will get paid faster, even during hard times. We’ve all received an email from a vendor or supplier where our name is spelled wrong. It happens. Human error. After processing thousands of invoices each month, can you say with absolute certainty that you’re mistake-free? One mistake could be completely harmless, or it could ruin a relationship. Maybe your team are responsible for too many manual tasks; time and resources constraint can easily lead to wrong decisions, especially when a shift in how and where they work is occurring. Maybe there’s miscommunication. Whatever the mistake may be, it could cost your business not only time and money, but important customer relationships.

  3. Use technology to get your money faster. By delivering invoices electronically rather than via mail, you can speed up billing and collection. By implementing a vendor portal, you can give vendors electronic access to invoices, enable electronic payments and reduce the time it takes to resolve disputes. These solutions also tend to provide organizations with timely and robust reporting that can help you take proactive steps to resolve delinquent accounts or take advantage of supplier discounts. AR Automation tools also cut down on errors.

This sudden mobile workforce shift isn’t going to abruptly end. There is little doubt that some of the required changes we are making today in businesses may become a new normal for certain functions.  If you’re finding it too time-consuming to manually mail out invoices and match payments to invoices during this time, or if you’re finding your DSO (Days Sales Outstanding) keeps increasing while the time and resources required for your accounts receivable (AR) process are constrained, it may be time to make a change.  Ask us about our AR Automation solutions for business using Intacct and more!

2C Processor’s (2CP) Accounts Receivable Payments Automation Gearing Weave Communications for Rapid Growth

2C Processor’s (2CP) Accounts Receivable Payments Automation Gearing Weave Communications for Rapid Growth
Weave Communications, one of 2CP’s top customers, was a panelist for the Customer Panel session at Sage Intacct Advantage 2018; the #1 event for Sage Customers and Partners to showcase their latest product innovations and releases. Weave’s Financial Controller, Jordan Thompson, CPA, talked about the improvements his company has seen by implementing 2CP’s accounts receivable applications built on the Sage Intacct platform.
“We bill many thousands of invoices per month and since signing up with 2CP our Accounts Receivable staff has recorded significant savings in time and money while almost eliminating data entry errors. 2CP’s unwavering commitment in product innovation and services has taken us to the next level in our business, by streamlining our accounting processes and automating our Accounts Receivable to substantially decrease the payments in arrears” said Mr. Thompson.
Weave Communications’ rapidly growing medical office sales and services platform, built to improve scheduling and customer response between office attendant and patient, found the need to alert their clients of payments due and payment in arrears in a timely manner. 2CP’s applications simplified their accounts receivables payments and collections processes. Weave is now automatically charging customer cards on file when due, sending invoices in appropriate time frames, receiving payments via 2CP’s secure gateway, emailing for any declined or expired payments with “Pay Now” payment link for immediate customer collections, and even booking the deposits in the subledger in Sage Intacct.
2CP’s modules embedded into Sage Intacct allow for Email Invoicing, Virtual Terminal, Shopping Cart, Scheduled Payments, and Customer Portals, using a very tight integration that allows for bi-directional Real-Time transactions and reporting.
Invoice quicker, get paid faster, eliminate data entry . . . WIN WIN WIN!

For more information on 2CP’s innovative solutions please email us at
2C Processor (2CP) is a registered payments processor and e-commerce provider, and a leader in payment systems, security, and integration. Utilizing 2CP’s proprietary PCI-DSS compliant payment gateway, multiple payment platforms, and acquiring bank relationships, 2CP seeks to meld these multiple network technologies into one streamlined process flow to decrease payment processing costs and increase operational efficiency. Our technology and payments professionals have several decades of experience in merchants’ services, e-commerce, and point-of-sale solutions. Since 2001, 2CP has served the payments processing needs of thousands of merchants in the United States, Canada, and Europe. Our company is headquartered in El Segundo, California.

2C Processor Announces New Accounts Receivable Payments Features at Advantage 2018

For the ninth year in a row, 2C Processor (2CP) sponsored and exhibited at the Sage Intacct Advantage conference on October 22-25, at the Gaylord Opryland Convention Center in Nashville, TN.

The conference began with the 2CP sponsored Partner Summit Reception, consisting of all current Marketplace Partners and Sage Intacct Resellers. Sage Intacct customers were added to the mix the following night and many stopped by the 2CP booth for live product demos, to learn about our session on Wednesday, to take pictures and interact with 2CP employees, and to participate in great raffled giveaways.

As a Platinum Sponsor of the event, 2CP held an hour-long session on Wednesday, October 24th. During the session, and throughout the week-long event, 2CP management showcased live product demonstrations to introduce its newest product features and capabilities. One of the company’s top applications is its Customer Portal which features real-time bi-directional customer payments posting in Sage Intacct, original Sage Intacct invoice reporting of open and paid invoices, and the ability for Sage Intacct clients’ customers to update their payment information online. At Wednesday’s session attended by scores of Sage Intacct customers, the latest features of the Customer Portal were demonstrated. These included an entire redesign of the portal with a new modern and straightforward user interface design, optimized usability and modular customizability, and a new, unique user experience for each customer. In addition, 2CP presented its Embedded Pay-Link – its latest upgrade in e-mail invoicing that works across Sage Intacct modules like Order Entry, Contracts, and Collections as well as its Recurring Payments and Shopping Cart integration applications, all developed on the Sage Intacct platform.

“Sponsoring Advantage and the Partner Summit was a great success,” said 2CP’s CEO William Barber, “showcasing our new application layouts and the enhancements the functionality of our existing Customer Portal and Email Invoicing applications was greeted enthusiastically by Sage Intacct customer, partners, and employees alike. We have hundreds of Sage Intacct clients now some processing tens of thousands of invoice payments per month but it always great to meet them face to face. We come every year and we’ll be back again in Las Vegas next year.”

With its product enhancements and innovative solutions, 2CP has become one of the top Accounts Receivable payments solutions for Sage Intacct clients. Its intuitive software and seamless integration continue to prove to be second to none.

Request a Demo and learn how 2CP can increase cash flow and reduce overhead:


About 2CP:

2C Processor (2CP) is a registered payments processor and e-commerce provider, and a leader in payment systems, security, and integration.

Utilizing 2CP’s proprietary PCI-DSS compliant payment gateway, multiple payment platforms, and acquiring bank relationships, 2CP seeks to meld these multiple network technologies into one streamlined process flow to decrease payment processing costs and increase operational efficiency.

Our technology and payments professionals have several decades of experience in merchants services, e-commerce, and point-of-sale solutions. Since 2001, 2C Processor has served the payments processing needs of thousands of merchants in the United States, Canada, and Europe. Our company is headquartered in El Segundo, California.

2C Processor (2CP) Announces Ninth-Year Platinum Sponsorship at Sage Intacct Advantage 2018

2CP to be a Platinum Sponsor at Sage Intacct Advantage 2018, One of the Largest Cloud Accounting Events of the Year

EL SEGUNDO, Calif.Sept. 6, 2018 /PRNewswire-PRWeb/ — 2C Processor USA (2CP), a leader in payment systems, security, and integration, is honored to announce its ninth-year as a Platinum Sponsor with Sage Intacct at the 2018 Advantage Customer and Partner Conference in Nashville, Tennessee on October 22-26, 2018. Sage Intacct Advantage is expected to attract more than 3,000 attendees with top finance executives and industry leaders showcasing their best business practices and techniques.

2CP will offer live product demonstrations at its booth for Sage Intacct customers to view its full suite of Sage Intacct marketplace applications for accounts receivable and sales automation. These solutions include a new Customer Portal interface, the new Email Invoicing Pay Links option, improvements to 2CP’s Recurring Payments application, and much more. All of these solutions are embedded within Sage Intacct in menus and screens developed on the Sage Intacct platform. Accounts Receivable and E-Commerce Payments Automation is 2CP’s forte, and the Sage Intacct API combined with 2CP’s payment gateway and merchant services provide a complete payments solution for Sage Intacct clients.

Besides demonstrations at the booth, 2CP will also be presenting all of its solutions in an hour-long session on Wednesday, October 24 at 11:30AM CST. Then, on Wednesday, October 24 at 3:00PM CST, one of 2CP’s top customers has been selected for a panel discussion called “Streamlining Accounts Receivable” where they will showcase how 2CP’s automation solutions and merchant services help them increase cash flow, decrease DSO, and reduce overhead.

“We are looking forward to another great showing at Advantage this year and very proud to be associated with the Sage Intacct brand,” states William Barber, CEO of 2CP. “Sponsoring Advantage as well as the Partner Summit is very important to us, not only for the chance to gain new customers and partners, but also to interact with Sage Intacct’s amazing employees, their very knowledgeable Partner/Reseller channel, and our hundreds of common existing customers, on a more personal and interactive level. Every year we learn something new that makes our solutions even better, it really is just a fantastic product that raises the bar for the ERP industry every year.”

With over a decade of experience developing and perfecting its applications, 2CP will be announcing its latest upgrade in e-mail invoicing. The new design embeds a pay link in any Order Entry Email Template within Sage Intacct. Merch- ants will now have the ability to include a pay link and the PDF invoice generated directly from Sage Intacct when using the Print/Email function within the Order Entry menu. 2CP will also be announcing its newest features added to its most favored Customer Portal module, promised to improve performance and offer an even greater client experience.

Advantage 2018, Sage Intacct’s week-long conference is one of the largest cloud accounting events of the year, designed to engage, learn, and network from both speakers and peers. To register for this event, visit . We hope to meet you at Booth #47!

2C Processor USA (2CP) is a registered payments processor and a leader in payment systems, transactions security, and enhanced payment solutions for ERP integrations. Utilizing our proprietary PCI-DSS compliant payment gateway (TPro), tokenization and encryption, and multiple payment platforms and acquiring bank relationships, we seek to meld various technologies into one streamlined process flow to decrease processing costs, increase cash flow, and improve operational efficiency. Founded in 2001, 2CP is headquartered in El Segundo, California and maintains separate offices in Las Vegas, Nevada.

SOURCE 2C Processor

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2C Processor (2CP) Completes SOC2 Type 2 Attestation

Audit Demonstrates 2CP’s Continued Commitment to Customers for Security, Availability, Processing, Integrity, and Confidentiality


EL SEGUNDO, Calif.June 12, 2018 /PRNewswire-PRWeb/ — 2C Processor USA, LLC(2CP), a leader in payment systems, security, and integration, is pleased to announce the successful completion of our System and Organization Control (SOC) 2 Type 2 examination covering the Transaction Processing System developed by the American Institute of Certified Public Accountants (AICPA).

The SOC 2 Type 2 examination confirms 2CP’s assurance of confidentiality as we strive to keep our clients’ sensitive data secure while operating in accordance with the AICPA trust services and criteria. The SOC 2 standard best meets the demands of the information security and SaaS marketplace, specifically gearing towards SaaS and other technology companies with a focus on the following:

  • Security
  • Availability
  • Processing Integrity
  • Confidentiality
  • Privacy

“At 2CP we have always prided ourselves on the security of our advanced payments services using various methods. We invest heavily in encryption and tokenization technology, undergo required PCI audits, and maintain cutting edge accounts receivable payments applications. To further ensure our clients’ information confidentiality, we now submit ourselves to an independent evaluation and detailed testing of our internal controls,” William Barber, CEO of 2C Processor, explains. “2CP has consistently met the requirements of the AICPA’s rigorous SOC 2 standards. In addition, 2CP has incurred the expense and effort associated with a detailed SOC 2 Type 2 examination to further enhance our credibility, meet the requirements of our larger, more sophisticated merchants, and demonstrate the value of our secure payments services.”

Members of Armanino, the largest California-based CPA and consulting firm, completed the SOC 2 audit verifying that 2C Processor’s processes and internal controls are designed appropriately, and operated effectively, to meet all the requirements for the AICPA Security, Availability and Confidentiality criteria.

2C Processor (“2CP”), utilizing its proprietary PCI-DSS compliant payment gateway, melds multiple payment network technologies and banking relationships into one streamlined process flow to decrease accounts receivable payments processing costs, increase cash flow by reducing days sales outstanding (“DSO”), and increase operational efficiency for our merchants via end customer self-service and accounting automation.

SOURCE 2C Processor

The information on this page is provided by PR Newswire. All rights reserved. Reproduction or redistribution of this content without prior written consent from PR Newswire is strictly prohibited. Silicon Valley Business Journal is not responsible for this content.Learn more about this service.