Organizing money flow in the internet with the right tools

Business in the Internet like any other kind of business in the real world requires working with money. Any businessman needs to have a merchant account. This is a very specific type of bank account that enables you to accept money transfers from credit or debit cards. However in the virtual work of WWW one has to get a specific ecommerce merchant account. It is a little different than the usual merchant accounts.

Ecommerce merchant account is the service that allows you to receive funds over the internet directly from your web-store or online website. It specifically approved for web transactions, therefore is incredibly important for any internet business. To pick up a suitable ecommerce merchant account one has to take into consideration a number of factors.

You have to think about internet discount rates, the cost of internet transaction, the verification of the address and different monthly services. Sometimes banks may charge higher for the creation of internet merchant accounts, however there are also many providers that do not take additional money. While ordering an ecommerce merchant account you may also want some additional features like voice authorization of the transaction and so on.

Choosing a merchant account for the money transactions in the internet can be quite a costly endeavor, that is why you have to discuss this point with the business plan consultant. He can provide different options and think of various banks that set up such an account. Many companies can also give you bonuses for using their transaction platform.

Think about it.

Among such bonuses are specific software packages. There programs can help you to operate your ecommerce merchant account from your home PC or even from your mobile phone. Such ecommerce financial software tools are usually simple to use, web-oriented and very effective. They can literally save money, giving you the opportunity to operate your account from anywhere you want. Some companies even try to include in such programs additional marketing tools that will help you to visualize your business growth.

One very important point that you have to remember about is the security. Online money transactions can be fast and easy to use, but they are also vulnerable to the attacks. One can easily find numerous stories about vicious hackers that illegally broke into the banks file system and stole millions of dollars. That is why before allowing a transaction with a credit card user must go through various steps that verify his identity and his credibility. It is a necessary to ensure the safety of the deal.

Ecommerce merchant account can be a pain to create, but after all the issues have been resolved, you will be able to enjoy all the possibilities and advantages of such accounts. No doubt, your business will benefit from such options and grow even bigger.

Latest Articles in Merchant Accounts Category on EzineMark.com

Face book strategies of advertisements

Face book marketing is on peak now days because customers can be found in large number on this plat form, moreover face book itself provides you with basic strategies which can be helpful to you in joining advertisement campaign on the site.  Face book marketing First of all, you have to make your budgetary plantings that how much you have to spend on an advertisement, net is not the only medium of advertisement but no doubt that most customers are present on net especially young youth and working staff.

Make sure that when people post suggestions on the fan page and post comments about your products you are going to reply them via face book, this can provide you with an opportunity of direct communication between industrialist and customers, moreover makers can come to know that what people desire from them.

You can give an ad of different products of the same company and publish about any specific commodity depending on your choice of selection. Using this medium, marketing on face book not only provides you with an opportunity to grasp an attention of customers but you can also keep them engage with yourself by giving them responses and talking more to them about your products.

Adding of personal information on face book marketing and writing about interesting events that take place in your industry, you can surely make customers worldwide. Moreover, industrialists can send birthday wishes, post ads and send cards to the way of their fans to make them more and more attracted towards their products. Face book fans can become your best customers and can provide you with a very upward boost in your product.

Because, face book is being used worldwide and each age group uses it.

Face book marketing provides you different types of budget ranges which you can choose for making an advertisement, our help to your way may include making further tags and micro web links that will explore more about your products and gives you more customers. You can check your advertisement effect first by using low scale budget ads and then add a lot more after getting positive response from the customers. If you are a new entrepreneur to an internet field and digital marketing, then it must be taken into mind that all existing and famous firms are already grasping customers from face book and you can also become one of them. Marketing on face book has one very good incentive for businessmen that no matter you are new to business or old, you can have all the opportunities to advertise, owing to these reasons search engines also take face book at heart and make it searched very fast by the customers. There are almost 500 million existing customers of face book worldwide. As online medium is one of the best mediums of advertisement and communication so you can further visit us on our .

Latest Articles in Merchant Accounts Category on EzineMark.com

11 Tips on How to Sell Software Online and Accept Payments from Customers with a Credit Card

The purpose of making software fulfills only when customers see and appreciate your hard work by paying for and using your software. To sell your software online there are few simple steps which you need to follow to start accepting credit cards online to sell software.

1. Make different versions of your software and make them available on different operating systems or provide it on related websites for your potential customers.

 

2. Provide your customer with satisfactory information about the software and make it easily accessible for them. Make a great products sales page that would describe all the benefits for the customers and allow them to download your product without any registrations first.

 

3. Provide a free trial version for your customer but only with a specific amount of features and for a limited period of time. If your software allows people to save money, achieve their goals by saving the time and manual human work – customers will pay for it without hesitation.

 

4. Protect your software by providing limited features for the trial version. This will ensure that if customer likes your product, he/she will order the full version without hesitation.

 

5. Then you need to find a digital product retailer that would allow you accept payments and help you sell software online. Make sure that the digital product retailer allows you to accept all types of credit cards online. The good digital product retailer will help your business succeed.

 

6. Promote your software through different online marketing, publicity and advertisement methods. Promote your software using affiliate networks as well – they can bring you a tremendous success.

 

7. Accepting credit card payments is a must if you want to succeed online. This is the most convenient and easy for transactions all over the world. However, digital product retailer should not only support credit card payment method, but also allow you to accept payments from customers' e-wallets – such as Paypal or Moneybookers. Suppose if your advertisement or trial impresses a customer and he wants to buy your software immediately, then he gets disappointed only due to long payment methods like by check or bank transfers. Moreover, Paypal and additional payment methods helps you increase your products sales, because sometimes customers do not want to enter their credit card information on a website.

 

8. Accepting online credit card payments is also beneficial for your overseas customers. Because most of them will have a credit card, but not an e-wallet account.

 

9. Another method for online transaction is through third party merchant where different companies will receive money online on your behalf at some fees or at some percent share.

 

10. Find a reputable company that would allow you not only to process credit card and Paypal payments online, but would also ensure the delivery of your software to the buyer. Such companies like Click2Sell.EU (www.click2sell.eu) not only allows you to process payments online and accept credit cards, but they help you sell software – deliver the product, protect from fraudulent customers and this way allows you to increase your sales even more. Some of them have a built in affiliate networks that helps you sell your software immediately. This brings you not only with an ability to process payments online, but also an ability to build a huge network of online advertising partners who help you sell software online easily.

 

11. Most importantly always unlock the features of your software to the customer only after receiving the payment to avoid cheats and scams online.

Latest Articles in Merchant Accounts Category on EzineMark.com

9 Things to Choose a Good Merchant Account Provider to Accept Credit Card Payments Online

A merchant account, for starters, is a special account set up for businesses to receive and process credit card payments. If one wants to set up an online merchant account for a website, he/she has to make sound decisions on whether the services provided are suitable for the website and business in all aspects.  Some common factors to look into as you select a credit card processor are:

 

1. Fee Charged.

The fee charged on the account should be reasonable and within the range of the quality of the services offered. Low costs should not be a basis for selecting a service provider as many of those low costs are catered for by hidden charges and charge backs, something you must be wary of. Usually fees start from 2-3% and goes up to 10%. Make sure you find out not only the discount fee that you are charged for each transaction, but also a flat fee that goes on top of each transaction. Moreover, refund fees and chargeback fines are very important, because they range for some accounts from a few up to hundreds of dollars.

 

1. Special Offers

Discounts should be taken advantage of. Many discount offers are available that can be utilized. Some merchant accounts provide minimal funds transfer fees or provide some discounts for signing up on them – either for credit card processing fees or give you additional goodies.

 

1. Terms of Agreement

One should have full knowledge of the agreement terms as they are binding once one enters an agreement. The services of a lawyer can be engaged here since some clauses in the conditions may be cunning enough to be noticed by a normal person. Renewal of agreement and termination procedures must be fully known incase the client wishes to discontinue the services. Some merchant account providers asks you to sign a long term contract or pay huge startup or monthly fees to maintain an account. Make sure you understand what you are paying for.

 

1. Services Offered

When a client engages in a merchant account services, he/she should be able to know the extent of the services offered by the dealer so that he can choose the kind of service that suits his needs. Whether you need only a merchant account for processing payments online without any virtual terminals – make sure to find out what your service provider has to offer. Otherwise you might be paying for service that is not necessary for your online business.

 

1. Customer Support Services.

The account provider should have a reliable and fast customer support system that operates on a full time basis to be of help to clients who have difficulties accessing the services as online procedures can be hectic at times. Write to the company a couple of e-mails to find out how their support works and if they treat you like a real customer. Avoid companies with bad or no customer support.

 

1. FAQs

The merchant account provider must also contain all the frequently asked questions so that users can read through and clear their doubts and get their questions answered themselves.

 

1. Guidelines

All the guidelines with detailed steps and procedures must be clearly mentioned on the site so that people have enough information about the process. Usually many merchant account providers says that they can have your account up and running in a couple of days, however, usually it takes at least a couple of weeks. Find out the real time frames when you can expect to have your credit card processing account working.

 

1. Security.

For a client running an online merchant account, security measures should be of the highest level to prevent hackers and online geeks from accessing clients' information. Make sure your credit card processor has a good antifraud system that monitors your transactions and protects you from fraudulent orders. This will save you from a lot of headaches.

 

9. Define Your Needs.

Knowing the kind of services your website will provide will enable you to engage the right merchant account and hence giving your website's clients what they need. Check out companies like Click2Sell.EU – they offer the credit card processing services for your business. Tell them what you are planning to sell and what are your business goals and then you will get the advice on which way to go.

 

As much as we would want to embrace the technology and ease with which we do our transactions, we cannot afford to jeopardize the safety of our business. We must choose quality services which are up to par. So make sure you take into account all these steps when you select a merchant account provider for your online business.

Latest Articles in Merchant Accounts Category on EzineMark.com

10 Things Why You Must Accept Credit Card Payments on Your Website

For websites that sell any kind of products or services, accepting credit card payments is a must. This allows customers a safe and convenient way to pay for their purchases.

Below are the ten reasons why your website should accept credit cards:

1. If people cannot pay for what they wish to buy using a credit card, they will probably not make the purchase. This will mean less business for the website, possibly even zero business.
2. Credit cards are the most common method of online payment. People everywhere, locally and internationally, use credit cards to make online purchases. Around 75% of all online orders are made directly using the credit cards.
3. When a website accepts credit cards, it makes more sales. Research indicates that sales can triple when a commercial website takes credit card payments compared to only other payment methods such as echecks, bank transfers, etc.
4. Accepting credit cards takes advantage of impulse buyers--people who, when they see something they want, immediately go ahead and buy it, because it's a very easy way to pay for the payment. The customer's state is not affected by a possibly not so convenient payment method.
5. Credit cards are used by international customers. You can have people overseas as your customers when your website accepts credit card payments.
6. Credit cards are easy and fast to process. They make for swift, hassle-free purchases.
7. Using credit cards eliminates the need to make trips to the bank. All processing is done online; there is no need to physically go anywhere or talk face-to-face with anyone. You don't have to bring your checks to the bank, clear then and wait for the money. You get the funds instantly into your online merchant account.
8. When you accept credit card payments on your website, you receive payments securely, immediately. You eliminate the risks and delays associated with bounced and mailed checks.
9. Websites that accept credit card payments have a more professional and business-like feel than other websites that do not accept such payments. You do look like a company, not just a simple website that is run why some kid.
10. Setting up your website to accept credit cards is easy. The process is not as complicated or difficult as people would think. You just need to get an online merchant account.

There are different types of internet merchant accounts to accept payments. Usually it takes at least a 1-2 weeks to have the merchant account open at a certain bank that accepts your websites business model. However, the problem is that mostly all banks work only with companies. And what if you want to sell only a small ebook or software product that you have made, but have no  merchant account? There are other payment processing companies such as Click2Sell.EU that allows you to accept credit card payments online instantly and sell your products online. You open an account, add your products and place simple payment buttons on your website and that's all. You account gets approved and you can start accepting credit cards within a couple of days without the huge manual paperwork that banks require.

Accepting credit cards is a must for your online business today, so make sure you have this payment option the next time you launch your new e-commerce website.

Latest Articles in Merchant Accounts Category on EzineMark.com

How to Detect Fraudulent Credit Card Orders and Prevent Them

Today businesses have shrunken and operate with fewer employees and are totally internet driven. With the increase of internet users, the potential market of online business has also grown, along with this the risks of phishing, online frauds or fake websites have also grown. Secured online payment is a concern for both the customers and the retailer. If you sell products online and accept credit cards perhaps you might have already faced credit card fraud. Fraudulent orders often results in huge losses: refunded sales, unsatisfied customers calling you and asking why you have charged the credit card. Such orders bring a lot of chargebacks: your merchant account can easily be terminated, you get chargeback fines and so on. In order to prevent credit card fraud you must check each and every transaction that goes through.

These are the most important things to check on an order to see if it is a legitimate order:

1.   Checking the IP address of the customer is very important procedure, as IP address is an unique identifier on a network, issued by the Internet Service Provider. For i.e. if customer submits an order that has the USA billing address, but his computer's IP address is from some African country – this raises a red flag.

2.   Check customer's real name and e-mail address. Often fraudsters enters one customer's name for i.e. John Doe, while the e-mail address contains completely another name, i.e. JamesSmith@email.com. Possible fraud!

3.   Analyze your webservers and merchant account's logs to see if there were multiple attempts to order the product. Usually scammers have many stolen credit cards and try to use them to order the product. They enter one card number, it gets declined, then they enter another one that has a completely different customer's name, it gets declined, so they take the 3rd card and try to order again until they get a success. Multiple attempts to order the product with different credit cards – huge fraud risk!

4.   The email address awareness is also an important factor. Since the fraudsters rarely use a real email address – usually they use fake e-mail addresses – non-existent ones. So if the purchase confirmation e-mail sent to a customer bounces back to you – make sure to check the transaction more thoroughly. Huge possibility of fraud.

5.    The shipping address must meet the cardholder's entered address. If shipping address is different to the one entered by the cardholder – this displays a fraud possibility.

6.   Whenever there is a doubt during the credit card processing, the credit card company or the holder must be called. The idea is to verify the customer – call a customer via phone and say 'thank you' for the order. This way you can see if the customer is a legitimate and if he has ordered the product.

There are many other factors that you could check when screening the orders, however, it is really hard to check and every transaction manually. These are just the simple guidelines on how to check the orders… Big online businesses have hundreds and thousands of orders per day, so it becomes impossible to check each and every transaction. That's why such companies use payment processors that provide automated fraud screening – credit card anti-fraud solutions. One of such companies is Click2Sell. It provides the credit card processing services, but at the same time all orders are checked with hundreds of various parameters to see if a transaction is a real – legitimate customer. So you don't have to manually check transactions yourself.

Make sure you use a good payment processing company that not only processes your card payments, but provides a real antifraud protection. This way your online business will be profitable and you won't face any fraud related costs.

Latest Articles in Merchant Accounts Category on EzineMark.com

Quality stainless steel screws in the price range

If you are building any structure of wood or other fasteners required, may be a new wood shelves or office desks, you must ensure that you buy steel fasteners High quality stainless if you want the structure to be safe and last for a long time

Buy the right type of screw

It is important Screw you buy exactly the kind of structure you're building and the materials are made from. For example, if you want a screw fitted flush with the surface on which it is applied, such as a hinged door, you should use what is called the sink or slot Roofing Screws First, which has a flat head. If on the other hand you need to fix something in a limited space or a difficult angle, using a screw with a head pozidriv, can be used with a special slip of screw will more appropriate

Why use stainless steel

stainless steel screws have a life longer than those made of other materials.

They are very strong, resistant to corrosion and the cost is often negligible. Stainless steel fasteners and non-magnetic, which means that they can not easily be unhinged. They are available in attractive design in addition to search and serve a useful purpose can also add a final end to the structure being made. Furthermore, the screws are also environmentally friendly, they are 100% recyclable. In fact, most of the buildings that you use can be made from renewable materials have been useful

che.Loi Buy Online

When you buy online, especially if you buy in bulk, you can take advantage of providing better and better prices.

Even if the store you visit does not have exactly what you're looking for, you can find it at an online store. You can also order from the comfort of your home or office, without having to waste time going to a store.

Original prophetic religion is mandatory to spruce man

Wisdom examines three options for going forward, including going with the cultural tide, or cloistering the church and its view of marriage from the rest of civil society. But one could hardly make a more compelling case than Wisdom has made for "Option C"—to "renew our appreciation of the biblical and traditional doctrines of marriage, and take practical steps so that more people may live out those doctrines in society."

Everyone is mortal; therefore, each person is bound to deeply think about discursive reason of his existence. If we exclude spiritual aspect from life of a man then he is mere a moving pile of stinking heap on a barren terra firma. Therefore, there is crying need to rejuvenate true religious doctrine that can fulfill spiritual requirements of the contemporary man. Revivification of original prophetic religion is mandatory to spruce man as moderate citizen of the international community because mutilations and misinterpretations of religions have given birth to extremism in the world.

Everyone should judge each religion disinterestedly before practicing it instead of blindly following the religious canons trailed by their forefathers that may be off beam. Everyone born into this world as a lone figure and each person has to lie in his own grave under mound of mud. After Resurrection everybody would be accountable to his personal deeds on the Day of Judgment. One should not adjudicate verity of any religion by watching the practices of its followers but by broadly studying fair-mindedly its true set of guidelines.

 Are religions keeping us apart? How useful to spiritual development is it to have a belief system that claims to be the? exclusive? religious? truth holder, the real one, the one that leads to salvation while all the other pour souls will be lost.? Whilst individuation is good in order to survive when we re growing up, it is not so useful once we reach a certain point of growth.

As humanity, we are growing up now, and our only chance for survival is in a mature society. Latest Articles in Merchant Accounts Category on EzineMark.com

The Importance of Getting professional counseling from a designer store

heart of any business that is the shops or stores. This is where you conduct your business, process your products or your services. This is why you need to make it as attractive, comfortable and convenient as possible. So if you are planning to set up your retail store, then you must realize that there are a few things you need to take into consideration

.

Let us take the example you find the services you want to do. In addition, you also have to decide where to put the location of your business. This way, you must determine that the location you have selected an area that can provide your business with the highest amount of traffic, but at a price within your ability. The next thing you need to figure out is how you properly will showcase products or services in a way that you can easily attract attention like your potential customers and others

.

While you may choose to do it yourself and decide to search for different tools required in your store, you must take into consideration that it could be a great risk for you.

This is because it can actually cost you a considerable amount of time, money and effort. For this reason, it would be better if you just hire an expert designer shops certified to help you get the job done quickly, easily and efficiently.

Always remember that a good retail store design can help you brand your product or service you efficiently, so making it easier for you to reach potential customers well. In the selection of designer stores most effectively, on the other hand, there are some things you need to take into consideration before hiring their services.

The first is a portfolio of their design. Take into consideration the previous projects they've handled

they can provide the design you need for your shop or perhaps they can give you new ideas on this issue . Taking into account that time is money. So you should consider working with a designer suit portfolio and technical capabilities or higher needs of your retail store. The next thing you need to consider is their professionalism. Pay attention to the satisfaction of their former customers or consumers' desire to examine the factors

they can give you the design you need in time. They can answer your questions in a timely and effective? Select a designer who can understand your needs. You should realize that they may have some ideas that can improve your store based on the internal perspective, which is often difficult to find. Finally, perhaps the most important thing that you should never forget is your budget. If their price is not within your budget, then you can not use them

.

In case you are looking for a local design shop in Australia, why do not you visit the store's design Mark retailer? This is one of the leading retail design the best you can find and afford in a very reasonable price

Shengtai Group - Central banks buy gold

International Monetary Fund monthly report on central bank reserves are Russia and South Korea held their gold in June and July, confirming the trend established since the financial crisis 2007/08 for central banks to be net buyers rather than net sellers of precious metals in Asia, said broker-dealer, Shengtai Group

Shengtai Group "Gold said they hoped to overcome $ 1800.00 per ounce before the end of 2011. "It may be higher if the U.S. Federal Reserve decided to restart the program to its quantitative easing

.

At this point, gold $ 1660.00 debt as many expectations of further monetary easing as it is not afraid to investors in the debt crisis in Europe and we think that if employment in My image is impaired, the Fed will, indeed, into "one of the metal analysis of the company.

central bank gold buying is be love as a means for countries to diversify their currency reserves away from U.S. dollar is increasingly seen as unable to act as a store of value.

"Shengtai Group "is advising its customers not to trade in and out of yellow warns that the sudden price can reverse the direction of making it too dangerous for all but the most experienced traders

High Risk Merchants Should Diversify

Merchants processing high volumes of credit card transactions minimize risk and increase business growth by establishing multiple merchant accounts. It makes good business sense for high volume ecommerce merchants in any industry, or merchants in a “high risk” category to protect their business by diversifying merchant accounts.

Using a gateway through which multiple merchant accounts can be controlled is vital to effective merchant account management. A powerful gateway permits management of an unlimited number of merchant accounts through a single central control panel. Load balancing and intelligent transaction routing is managed through velocity settings and flexible rule sets that are configurable by the merchant.

The ability to fine tune the operation of all merchant accounts through a single interface is important to long term successful multiple merchant account management.

Related Coverage

• High Risk Health Insurance Plans - Top Things You Should Know
• Discovering High Volume Merchant Accounts
• Why Debit Cards Are Cheaper For Merchants
• Dealing With High-Risk Merchant Accounts

The right gateway gives you the ability to quickly adapt to changing business situations. The astute use of new patent pending payment technology boosts your competitive edge and adds to the profitability of your business.

Streamlining business operations with intelligent processing solutions creates outstanding outcomes and financial victories. You eliminate needless duplication of jobs. You save hours of accounting and administrative time each day through consolidation of reporting and account reconciliation functions. The increase in productivity enables you to take advantage of new business opportunities.

Multiple levels of authentication provide permission access control. Merchants decide what information each level can view.

Rich reporting enables merchants to manage and track all gateway processing transactions. Full audit trails ensure the integrity of the payment gateway.

Multiple merchant accounts protect your business interests. The right payment gateway controls and protects your credit card processing transactions, which are the lifeblood of your business. Successfully management of your merchant accounts gives you the freedom to enjoy growing your business.

How You Can Pay Your International Employees, Affiliates, and Distributors

Let’s face it, the entire world is moving to electronic payments. The reason is obvious. Electronic payments are safe, fast, and easy to track. Funds are accessible to your workforce quickly. Most importantly, electronic payments can save your company money. You can issue paper checks but what happens when they are stolen or lost? Also, tracking paper checks around the world is an expensive administrative nightmare.

Forward thinking businesses are using both international debit cards and global direct deposit to pay people around the world. With the advantages of international debit cards and global direct deposit, you are able to automate your operations and increase productivity that will help you retain your competitive edge.

If you have traditional direct deposit, workers must have bank accounts into which the money can be deposited.

Related Coverage

• Include Video Marketing in Your International Marketing Mix
• How To Pay Your Bills If Your Income Stops Due To Illness
• Improve Your Credit Score, Pay Off Debt and Enjoy Your Financial Future
• How to Consolidate Your Debts With Credit Counseling

International debit cards and global direct deposit allow you to pay your network of world wide employees in their own currency. This solution eliminates currency conversions, fluctuations, and confusion.

Across the world, debit cards are the fastest growing way to disburse payments. Cards can be used by those that do not have bank accounts. Today, you’ll find workers with bank accounts often prefer to be paid on a debit card instead of direct deposit.

International debit card funds on the cards are easily accessible at any ATM or point of sale location around the world that accepts bank cards. The small fees associated with the use of cards are more than offset by the convenience and immediate accessibly to cash provided by the cards.

If your company issues more than 10,000 international debit cards, you receive the added benefit of branding your debit card.

Each time a new card is issued anywhere in the world, the company brand is expanded.

Your business needs global payment solutions in a technologically advanced marketplace. International debit cards and global direct deposit can enable your business.

MoreWorld is continually developing products to make doing business less expensive for small busines

MoreWorld is continually developing products to make doing business less expensive for small businesses and more convenient for their customers. MoreWorld has designed each of their products to help increase business and simultaneously cut costs. These products make it less expensive to find potential customers and to turn those potentials into paying customers. MoreWorld advertising options provide an inexpensive way to target serious customers near a business. MoreWorld products, like the appointment maker, make it easy to finish a sale weather it is your customer’s first visit or 100th visit.

Sponsored Search Advertising
Sponsored search advertisements appear at the top of our search results pages. These ads appear at the top of any search including our service search, product search and company search.

Our sponsored search advertising uses Pay-Per-Click technology to guarantee results on your ads.

Related Coverage

• Work From Home Online Business Ideas To Make Money Online
• Top Tips on How to Gauge Just How Successful Your Online Business Will Be
• 3 Ways to Start a Web Based Business For Quick Profits
• Finally - Learn How to Make Money Doing Nothing

Pay-Per-Click technology only charges you when one of your ads is clicked. This means you only pay for your ads when a serious customer is seeking more information on your service, product or company.

Our monthly budget allows you to control how much you are willing to spend on advertising each month. Additionally, your budget will be evenly distributed over the entire month. Our sponsored search advertising is a cost effective way to increase your visibility to interested customers near you.

3rd Party Advertising
Do you want your company to appear in the sponsored ad section on Google and Yahoo? Let us do it for you. When you enroll in our 3rd party advertising we will advertise your company on these 3rd party search engines.

Use these major search engines to target customers within 30 miles of your business who are actively searching for your company. Customers can click through the ad to view your company’s detailed information, including your product and service menu. Our professionals will set up a customized advertising campaign to get you the most customers for your dollar. Additionally we will waive the $50 setup fee if you pay for your first 6 months up front.

MoreWorld is available on the web at www.moreworld.com.

Avoiding Chargebacks and Credit Card Fraud

More than anything else, its fraud that affects online business. If your online business suffers likewise, its time to make a few changes!

First, lets understand why do chargebacks happen? A chargeback occurs when a cardholder disputes a credit card purchase, for any one or more of the following reasons: -

• The item ordered by the customer was not delivered to him.
• The item delivered to him is damaged or in poor condition.
• The customer feels he hasn’t received what he thought he was buying, or, the customer feels he has been cheating into buying a product that was advertised differently.
• In case the purchase was made on a card lost or stolen from the card holder.
• Sometimes certain customers just use chargebacks to their advantage in order to get out of paying for a product.

So, if the customer is not happy and has initiated a chargeback, the card issuer bank will proceed with the chargeback process on behalf of the card-holder.

Related Coverage

• Debit Cards And Debit Card Fraud
• What Can You Do to Avoid Credit Card Fraud?
• Getting a Instant Approval Credit Card For Bad Credit
• Avoiding Credit Card Fraud While Online

Sometimes banks do not even inform the merchants about chargebacks, unless it is a clause of their agreement or contract. With the bank being under no obligation to notify the merchant of the chargeback, the bottom-line of the business can get seriously affected, pretty fast!

Chargebacks must be avoided! And to do that, the authenticity and credibility of the cardholder has to be verified. To do that effectively over an online platform, AVS is the best technological tool. AVS stands for Address Verification System; it does not have a 100% guarantee for fraud prevention but is definitely the best that is available today. AVS matches the billing address provided by the customer at the time of purchase with that provided at the time of applying for a credit card.

Getting a match for an address and zip code is a good sign. However, if only one of the two matches, it is the merchants’ discretion whether the sale must be authorized or not. If there is no match, then it is in the best interest of the merchant to apologize to the customer and reject the order.

Here is how excessive chargebacks can cause irreparable damage. With every chargeback, not only does a merchant lose the actual inventory and the purchase price, but there are also chargeback fees assessed to the merchant each and every time. Consult your merchant account provider if you do not know what fees you can be hit with. That is not all. Merchants, who have excessive chargebacks, can lose their merchant account without warning. Moreover, they could end up on the MasterCard Match List, a.k.a. Terminated Merchant File, which is looked at by other providers and if you show up on it, this means you will not get a merchant account. You can expect to stay on the list for 5 years too.

Use caution and good judgment while accepting orders. Do not sell to any customer who is unable to complete the verification process. Lesser the chargebacks, better will be your Internet business and merchant account!

How to select a credit card processing merchant account service provider

Secret #1
NEVER SHOW A CREDIT CARD PROCESSOR YOUR
PROCESSING STATEMENT WITHOUT FIRST GETTING THEIR
MERCHANT CREDIT CARD PROCESSING RATES; including
their Mid-Qual (Frequent Flier and Reward Credit
Cards) and Non-Qual rates (Corporate Credit Cards).
These are some of the secret rates most credit card
processors over charge you and don't want
you to know...

You work hard for every dollar you earn and maybe
it is time to take a closer look at your credit
card processor...Would it surprise you if you
were being charged double the processing rate you
believe on over 50% of your credit card
processing transactions... Do you believe credit
card processors charge all merchant accounts the
same credit card processing rates? Or think
credit card processing companies charge the same
percentage rate on all Visa and MasterCard
transaction's processed through your credit card
machine? We are a straight forward company and
want you to know all the secrets to saving money
on your credit card processing.

Related Coverage

• Credit Card processing for an E-tailer
• Process of obtaining Merchant Accounts
• PC Based Credit Card Processing Software
• How to Choose a Home Based Business Merchant Account

We believe it is
time for merchants to understand your merchant
account statements and we specialize in saving
merchants money on every credit card and debit
card transaction.

JR-N-Associates in affiliation with
yourcreditcardprocessor offers unbeatable
Merchant Account Credit Card Processing Rates
with NO HIDDEN FEE's. Our competitive edge comes
from our State-of-The-Art Software which provides
World-Class financial security and is programed
into all of our point-of-sale (POS) equipment.

We
value each merchant account we serve and realize
great pricing is just as important as exceptional
customer service.

You're probably asking yourself how we process
credit cards lower than other companies. The
answer is simple. Other credit card processing
companies only process credit cards. JR-N-
Associates provides many services to assist the
business owner from eCommerce solutions, web site
design and affordable web hosting to business
loans and free ATM Machines. We meet your
financial capital needs as fast as 72 hours with
short and long-term business loans from $2,500 to
$50,000,000.

We continue to provide complete business
solutions for every eCommerce need you could
possibly have. Our Guaranteed Web Solutions
Division provides affordable web hosting, SSL
Certificates, fully maintained custom built
websites to a simple do-it-yourself Word Document
based platform. You can also register a domain
name to finding help with dedicated servers. Not
to mention our custom website optimization
programs and our search engine submission
programs can easily be tailored to your
individual needs. We also offer loans for
expansion, to advice on selling your business and
helping you realize the largest profit possible.

Call Us Today (480) 678-9595 or visit us at:

Are you ready to accept online credit card payments?

If you are an online merchant, and if you accept credit cards, there are numerous security issues that you must be aware of. The biggest consideration and risk behind accepting credit cards is the aspect of security - of your business and your consumers. Currently, there are two main aspects of credit card security for secure credit card processing - AVS or Address Verification Service and CVV that is Card Verification Value. Both these security systems allow credit card processing to be completed anonymously over the Internet. Moreover, any businessman or merchant accepting credit cards for online payment should require both forms of information of your customers.

The Address Verification Service or AVS is mainly used to detect the address provided by a customer and to verify that it matches the address associated with the credit card account.

Related Coverage

• Are you being Chased by Chase?
• Your Personal HSBC Visa Credit Cards
• Getting Instant Credit Cards
• Is Your Credit Really Bad? How to Get a Bad Credit Credit Card

This detection helps in generating confidence that the person entering the credit card details is the genuine owner of the credit card. The most useful feature of the AVS is that the credit card will not be denied if the address is entered wrong. However, it is up to the merchant to decide what to do if the address matches partially or not at all. In this situation, he has full right to deny the sale and can ask the buyer to submit additional information or even give them the opportunity to correct the address information, before actually processing the transaction.

However, the Card Verification Value or CVV is a three to four digit number found on the back of credit cards. The CVV or CVV-2 is on impressed the card but not on any statements or bank documents. This means, if any individual is using a credit card wrongfully and the individual don’t have the CVV, there is no way that the sale or payment can be completed.

The CVV code is required for verification purposes. As soon as the customer is able to enter the CVV code, it indicates that the customer has the credit card in hand. This increases chances that the card is being used by its genuine owner. Also, if a CVV number is entered incorrect, the transaction will be declined by the credit card issuer.

Credit card security systems are important and you cannot compromise with it. You have to get the bests service available and from reliable people. If you are hiring Advanced Merchant Services for all credit card processing services, you don’t have to worry anymore. We will make sure that all the required security steps are in place. We make sure that you don’t face any problem in your credit card processing system or while you accept credit cards for any online transaction. www.merchant-accounts.com is the best place to know more about accepting credit cards, credit card processing, merchant services, and merchant accounts.

Process of obtaining Merchant Accounts

Why do I need a merchant account, you may ask? Believe me if you are a businessman and want your business enterprise to flourish then you have to sign up with a merchant service provider. Merchant accounts are being used by million of businessmen all over the world and have enabled them to raise serious cash. A merchant account allows you to accept a wide variety of credit and debit cards from your customers. Most customers use either one of these four cards: Visa, Master Card, Discover and American Express. Most merchant accounts will enable you to accept any of these four cards. This will mean that you won’t be forced to refuse any customer who owns an incompatible credit/debit card.

Now in the physical world you still have the option of asking for cash. But if you desire to market your products online, you don’t have an option but to go for a merchant account.

Related Coverage

• Getting the Best Merchant Account
• The Basics of Merchant Accounts
• Finding a Cheap Merchant Account
• On Discount Merchant Accounts

Most customers using the net for shopping prefer using their credit cards for online transactions. So if you can offer your customers the ease and security of paying with their credit cards they will definitely recommend your website to others.

Given the advantages of merchant accounts searching for the right service provider can be a harrowing experience. It will seem to you that most service providers are offering almost similar services at identical prices while there might be some that are offering a completely different feature-set at prices totally different from their competitors. So which is the right provider for you?

Now by logging on to Advanced Merchant Services you can make an enlightened choice and choose the right merchant account for your business.

Advanced Merchant Services offer a number of unique advantages that no other service provider offers. Firstly the rates offered by Advanced Merchant Services are the cheapest in the market. So if you ever locate a site offering cheaper rates on similar products and services just log in to our Price Bust section and we will immediately beat it by 5%. Moreover AMS won’t force you to sign lengthy merchant accounts. The service quality of AMS is so good that we have never felt the need to bind our customer to rigid contracts. If you want apply for a merchant account with AMS, just fill in a simple online application and we will strive hard to get it approved within 24 hours. For further information visit us at www.merchant-accounts.com.

Tips for Choosing the Best Credit Card Machine

There are a variety of credit card machines available in the market today. Most of these terminals have all the usual features but the wise business decision would be to purchase a terminal, which addresses your specific business needs. The first question you need to ask yourself is whether, you really need a credit card machine or not? Only if your answer is a definite “yes”, should you contemplate getting a credit card machine. If you own a retail shop or any business that necessitates a face to face interaction with the customer, a credit card machine becomes indispensable. Most consumers nowadays find it easier, to whip out their cards to pay for their purchases. They also tend to feel more secure as they know that transactions made using a credit card terminal is virtually safe and secure.

There are basically three types of terminals; physical terminals that may come with or without printers, portable credit card machines that businessmen can carry with themselves and virtual software based terminals that are used by online businessmen and by those who take business orders over the phone.

Related Coverage

• Chase Credit Cards Online
• Low Interest Credit Cards Are Great Financial Tools
• How to Get the Credit Card Offers Online
• What Makes the Great Credit Card Offers?

So your choice of credit card machine greatly depends on the kind of business you are involved in. Another important point that would influence your purchase decision is the cost of the machine. Credit card terminals can be purchased anywhere between $125 to a $1000. So carefully check out the features offered by the machines and compare them to your business needs.

Bu logging onto Advanced Merchant Services, you can browse through our huge selection of credit card machines. Whatever be your requirement, whatever your budget, you will definitely find a terminal to suit your needs.

As mentioned earlier there are basically three types of credit card terminals. For people operating from a fixed geographical location you should purchase the Lipman Nurit 2059i. This incredible piece of equipment is designed to handle almost all conceivable payment types. In addition it is also designed to keep a track of track of staffing time through the time card management.

If you are a businessman on the move, then you should go for the Lipman Nurit 8000. The Nurit 8000 is as powerful and efficient as its larger cousins but comes in a much smaller package. For those taking orders on the net, the PCCharge Pro is the best and the securest software package currently available in the market. This software is perfect for businesses that need an efficient processing system coupled with several security features like AVS and CVV, to minimize frauds and chargebacks. To find out more about our services, visit us at www.merchant-accounts.com.

What is PEP Singapore

Personalised Employment Pass is a Singapore work visa that unbinds Employment Pass holders and non-permanent residents from a specific employer for a time period of up to five (5) years. The Ministry of Manpower (MOM) facilitated the launching ofPEP Singaporeon January 1, 2007.

This type of work visa is granted based on individual’s abilities and professional experience.

Related Coverage

• What Is A Singapore Employment Pass Application
• What is a Singapore Employment Pass?
• What Is A Singapore Employment Pass Application
• What is a Singapore Employment Pass

It does not require the pass holder to have been already engaged by an employer in Singapore. However, note that upon collection of the visa, a new PEP holder has only a maximum of 6 months to seek employment in Singapore. Failure to secure an employment beyond the grace period will result in the work visa being revoked.

Below are the eligibility requirements of PEP:

• Earn a minimum salary of S$7,000 per month (last drawn salary should not be older than 6 months at the time of application).
• A former P1 category Employment Pass holder who resides overseas (likewise, please note that you should not be unemployed for more than a continuous period of six months at the point of application).
• A current P1 category Employment Pass holder.
• A current P2 category Employment Pass holder with at least two years of working experience in a P category of Employment Pass that earns an annual income of at least S$30,000.
• A foreign graduate from institutions of higher learning in Singapore that has at least two years of working experience on a P or Q1 category Employment Pass (please take note that your annual income should be a minimum of S$30,000).

PEP applicants should also take note of details such as details of passport, name and address of employer, job and salary details, local contact details and details of dependant pass holder, if applicable, when filling out PEP application form.

It is also best to include documents such as copy of passport, appointment letter from current employer, last three months pay slips, copy of higher education certifications and copy of resume when submitting PEP application.

The processing of PEP applications would usually take 2 to 3 weeks. Once approved, an In-Principle Approval letter will be sent out. Collection of PEP is valid up to three months and once issued, PEP Singapore will have 5 years validity. Within the given 5 years period, PEP holders should keep authorities up to date with employment, local contact, salary, travel documents and address. In case PEP is lost, PEP holders should apply for a replacement one. You need to submit your passport and police report card in order to receive a new card.

All the merchant services you need

Merchants and customers have different ways of seeing things. A merchant looks to maximize profits and a good customer is always looking for the best deal. How do they both accomplish their goal with the same transaction?

Maximizing profits doesn't mean business owners have to mark up their prices but more importantly it can mean lowering costs. There are numerous ways to reduce business overhead and using an effective merchant services system is a really good one. In the current economy, business owners across the globe are looking for effective ways to downsize their costs. Internet solutions are offering ways to help business owners stay in the game.

Far too many businesses are downsizing their real estate in order to reduce costs. This cuts into inventory, manpower, customer comfort, and a smaller business space only has the potential to reduce profit margin.

Related Coverage

• Getting the Best Merchant Account
• Merchant Warehouse - The Best Merchant Account?
• Merchant Account Rates and Issues
• Advantages of Merchant Accounts and Choosing a Merchant Service Company

Consider the possibilities when real estate isn't a factor. The internet continues to grow as there is unlimited room for commerce. Include an efficient, low-cost merchant services system and you're golden.

Another aspect to maximizing profits is increasing sales. Customer retention keeps revenue flowing when repeat business comes from customers who are happy with the services you offer. A reliable payment processor caters to your customer preferences for electronic transactions. eMerchant Solution allows your business to offer the largest array of payment options available so not one customer is left out.

This payment processor is now available for all the merchants that conduct business online, each of them benefiting from a customized version targeting their specific needs.

No matter if you are a small business or a world-wide corporation, this is something you cannot go without. If you don't know where to start your search, the following website will help.

Visit emerchantsolution.com to get your payment processor up and running as soon as possible. Each of your business transactions that don't get processed through eMerchant Solution is another electronic payment that costs your company more time and money than it should.

This cost-effective payment processor offers a safer, more comfortable, reliable and cost-saving solution than anything else on the market. Read all the information on the website mentioned afore and be convinced.