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I Advice - Ecommerce: Merchant Account and Credit Card Processing
Online Advertising-The Way It Is Done
With the sudden but inevitable emergence of Internet marketing process, we have witnessed a prominent change in Global marketing scenario. Online marketing or the Internet marketing has highly dominated the marketing strategy and has become people’s favorite day-by-day. Like any other business process involves some kind of advertisement to make people know about your presence and business process, online marketing also needs effective advertising strategy to make Web traffic aware of ones online presence.When you enter the Web world to look out for any information, you might have noticed the number of small images, texts, video and audio clips that appear in the Web page. Not only this, you receive list of emails not from your intimate friends but from various companies who send such mails to advertise their products and services.According to description given in Wikipedia, which is the biggest multilingual free-content encyclopedia on the Internet, online advertising has dual face - former is legitimate and l
than the base rate ($15), you will be charged the base rate for the month. However, if you sell your $10 product to 90 buyers, your fees amount to $45 dollars for the month. Since your fees amount to more than the base rate ($45 vs. $15), you will be charged $45 on $900 in sales.
With the sudden but inevitable emergence of Internet marketing process, we have witnessed a prominent change in Global marketing scenario. Online marketing or the Internet marketing has highly dominated the marketing strategy and has become people’s favorite day-by-day. Like any other business process involves some kind of advertisement to make people know about your presence and business process, online marketing also needs effective advertising strategy to make Web traffic aware of ones online presence.When you enter the Web world to look out for any information, you might have noticed the number of small images, texts, video and audio clips that appear in the Web page. Not only this, you receive list of emails not from your intimate friends but from various companies who send such mails to advertise their products and services.According to description given in Wikipedia, which is the biggest multilingual free-content encyclopedia on the Internet, online advertising has dual face - former is legitimate and l
Types of Transactions
There are two basic types of transactions when purchasing goods or services online:
1. One-time Purchase
2. Recurring Subscription
Most online stores and catalogs deal with ‘one-time’ purchases, meaning you find a product online and purchase it. After confirmation of sale, this ends the relationship between buyer and seller.
The other type, ‘recurring subscription’, is based on interval billing. This type of purchase can be for membership fees, or for any other type of fee that is billed on intervals.
Payment Gateway
The payment gateway is an application that you integrate into your website. Most payment gateways have an API that allows for easy, seamless integration into your website, meaning the user’s experience on your website remains consistent, even through the credit card processing phase. The payment gateway is responsible for validating the credit ca
Surefire Ways to Build Repoire with Customers
No matter how you sell, whether it's on the phone or in person, sales is all about persuading your customers to care about your product enough to want to buy it. By being sensitive to the buyers' attitudes and preferences, the salesperson builds trust. Hidden within casual conversation, there are buying clues. As the salesperson, your job is to fill consumers' needs, fitting your product into their lives, and convincing them that this is the best product for them.First, try to get a feel for your customer's interests and needs. Your job is to fulfill these needs with your products. For example, you are selling magazines and you find out your customer loves basketweaving and reptiles. Offer him whatever titles in your catalog that pertain to these subjects, such as "Basketweaving Today" or "Lizard Lovers Monthly". Try to relate with the customer if they still provide resistance to the sale, even if the subjects they like bore you to tears. Find a common ground, so they will feel somewhat of a bond with you for that mome
Having an online business that takes in money over the internet requires the ability to accept credit cards directly from your website. This is commonly known as “ecommerce”, or electronic commerce. This tutorial will help explain all there is to know about processing credit cards over the internet.
No matter how you sell, whether it's on the phone or in person, sales is all about persuading your customers to care about your product enough to want to buy it. By being sensitive to the buyers' attitudes and preferences, the salesperson builds trust. Hidden within casual conversation, there are buying clues. As the salesperson, your job is to fill consumers' needs, fitting your product into their lives, and convincing them that this is the best product for them.First, try to get a feel for your customer's interests and needs. Your job is to fulfill these needs with your products. For example, you are selling magazines and you find out your customer loves basketweaving and reptiles. Offer him whatever titles in your catalog that pertain to these subjects, such as "Basketweaving Today" or "Lizard Lovers Monthly". Try to relate with the customer if they still provide resistance to the sale, even if the subjects they like bore you to tears. Find a common ground, so they will feel somewhat of a bond with you for that mome
The Basics
Terms to Know:
• Shopping Cart: An online application that collects all your products and gets them ready for checkout, passing the information about the transaction to the payment gateway.
• Merchant Account: The bank or financial institution that actually processes and handles the transaction of debiting one account and crediting another.
• Payment Gateway: The program or application that communicates between the website and merchant account, verifying the credit card information and executing the transaction.
• Web Hosting: Serving your website or web page from a web server to any requesting client browser.
• Secured Socket Layer (SSL): The process by which information is securely exchanged between the web server and the client browser. 128-bit encryption is the most secure.
• Secure Certificate: A certificate of authentication that assures website visitors that the website being used is safe, secure and tested and up-to-date.
• IP Address (internet protocol address): The physical, numerical address that is associated with the domain name. There are two types of IP addresses:
1. Static IP: There is one IP address that is associated with a domain name, and it never changes.
2. Dynamic IP: The IP address can change at any time, depending on the need and whenever necessary, as determined by the hosting company.
There are 3 things required for credit card processing:
1. A web hosting account with a static IP address
2. A merchant account with a reputable company
3. A current, secure SSL certificate
Web Hosting
There are many web hosting companies that operate online, and choosing one is not too difficult. However, there are a couple requirements that you need to look for when choosing your company. The hosting account must have a static IP address because a secure SSL certificate is required when transferring confidential information over the internet through the payment gateway.
Merchant Account
A merchant account is required for credit card processing because this is how the payment will be processed; money must be taken out the buyer’s account and deposited into the seller’s account. The merchant account is the generic name for the process by which all transactions are handled. This is explained in detail:
1. The website visitor selects the product or service to purchase and initiates the sale.
2. The website takes the visitor to secure area of website (with gold lock on bottom of browser) and requests payment information (credit card info).
3. The visitor completes the required information and clicks ‘submit’.
4. The information is sent securely through the payment gateway for the information to be verified as valid or invalid.
5. After verifying the accuracy of the credit card information, the transaction amount is debited from the buyers account (bank or credit card) and deposited into the seller’s bank account.
6. The buyer receives a payment confirmation via the website.
Account Fees & Charges:
There are two basic charges associated with a merchant account. These are:
• Administrative Fee: This is usually a monthly fee that is assessed for all administrative fees.
• Discount Rate: This is a fee (percentage based) that is imposed based on the total amount of the sale.
• Per Transaction: This is a payment gateway fee that is charged with each transaction that comes from your website.
The way this fee system works is the same, no matter what merchant account provider you use. For instance, let’s say you have a transaction rate of $0.25 and a discount rate of 2.5%. If you have a product that you sell for $10 from your website, each time the product is purchased you will receive $10 deposited into your account. You will also be charged $0.25 for the transaction, and $0.25 discount rate (computed at the end of the month). That’s a total of $0.50 in fees for the $10 sale of your product.
Most merchant account providers will impose a monthly base (minimum) fee for the account. Let’s say the base fee is $15. This base rate is an either/or charge, meaning you are charged that amount unless your discount rate and per transaction fee amount to more than the base amount.
For example, through the course of business, you sell your $10 product to 20 buyers. At the discount rate and per transaction rate used above ($0.25 transaction and 2.5% discount), your fees amount to $10 on $300 ($10 x 30) in sales. Since this amount is less than the base rate ($15), you will be charged the base rate for the month. However, if you sell your $10 product to 90 buyers, your fees amount to $45 dollars for the month. Since your fees amount to more than the base rate ($45 vs. $15), you will be charged $45 on $900 in sales.
Types of Transactions
There are two basic types of transactions when purchasing goods or services online:
1. One-time Purchase
2. Recurring Subscription
Most online stores and catalogs deal with ‘one-time’ purchases, meaning you find a product online and purchase it. After confirmation of sale, this ends the relationship between buyer and seller.
The other type, ‘recurring subscription’, is based on interval billing. This type of purchase can be for membership fees, or for any other type of fee that is billed on intervals.
Payment Gateway
The payment gateway is an application that you integrate into your website. Most payment gateways have an API that allows for easy, seamless integration into your website, meaning the user’s experience on your website remains consistent, even through the credit card processing phase. The payment gateway is responsible for validating the credit car
Performance Management Made Easy
Performance Management is a process that both employer and employee often fear!Why is this so!There is much misinformation about the performance management process and performance appraisals in management circles today. We often think that best practice demands that we must performance appraise ‘no matter what’. This is not true. Best practice can involve many other mechanisms that ensure employee compliance and monitoring.The performance process can be propagated by intellectuals who themselves have not had to make the tough decisions and be accountable for the process. Any person can give advice but the application of the advice is what matters!The whole process is often viewed with a carrot and stick process and sometimes a game, a waste of time.Much of the process is conducted within what is termed as 'I have to do it' and 'performance management is part of my job get it over and done'As previous CEO in corporate life I found the best approach was not so much the written appraisal
t assures website visitors that the website being used is safe, secure and tested and up-to-date.Performance Management is a process that both employer and employee often fear!Why is this so!There is much misinformation about the performance management process and performance appraisals in management circles today. We often think that best practice demands that we must performance appraise ‘no matter what’. This is not true. Best practice can involve many other mechanisms that ensure employee compliance and monitoring.The performance process can be propagated by intellectuals who themselves have not had to make the tough decisions and be accountable for the process. Any person can give advice but the application of the advice is what matters!The whole process is often viewed with a carrot and stick process and sometimes a game, a waste of time.Much of the process is conducted within what is termed as 'I have to do it' and 'performance management is part of my job get it over and done'As previous CEO in corporate life I found the best approach was not so much the written appraisal
• IP Address (internet protocol address): The physical, numerical address that is associated with the domain name. There are two types of IP addresses:
1. Static IP: There is one IP address that is associated with a domain name, and it never changes.
2. Dynamic IP: The IP address can change at any time, depending on the need and whenever necessary, as determined by the hosting company.
There are 3 things required for credit card processing:
1. A web hosting account with a static IP address
2. A merchant account with a reputable company
3. A current, secure SSL certificate
Web Hosting
There are many web hosting companies that operate online, and choosing one is not too difficult. However, there are a couple requirements that you need to look for when choosing your company. The hosting account must have a static IP address because a secure SSL certificate is required when transferring confidential information over the internet through the payment gateway.
Merchant Account
A merchant account is required for credit card processing because this is how the payment will be processed; money must be taken out the buyer’s account and deposited into the seller’s account. The merchant account is the generic name for the process by which all transactions are handled. This is explained in detail:
1. The website visitor selects the product or service to purchase and initiates the sale.
2. The website takes the visitor to secure area of website (with gold lock on bottom of browser) and requests payment information (credit card info).
3. The visitor completes the required information and clicks ‘submit’.
4. The information is sent securely through the payment gateway for the information to be verified as valid or invalid.
5. After verifying the accuracy of the credit card information, the transaction amount is debited from the buyers account (bank or credit card) and deposited into the seller’s bank account.
6. The buyer receives a payment confirmation via the website.
Account Fees & Charges:
There are two basic charges associated with a merchant account. These are:
• Administrative Fee: This is usually a monthly fee that is assessed for all administrative fees.
• Discount Rate: This is a fee (percentage based) that is imposed based on the total amount of the sale.
• Per Transaction: This is a payment gateway fee that is charged with each transaction that comes from your website.
The way this fee system works is the same, no matter what merchant account provider you use. For instance, let’s say you have a transaction rate of $0.25 and a discount rate of 2.5%. If you have a product that you sell for $10 from your website, each time the product is purchased you will receive $10 deposited into your account. You will also be charged $0.25 for the transaction, and $0.25 discount rate (computed at the end of the month). That’s a total of $0.50 in fees for the $10 sale of your product.
Most merchant account providers will impose a monthly base (minimum) fee for the account. Let’s say the base fee is $15. This base rate is an either/or charge, meaning you are charged that amount unless your discount rate and per transaction fee amount to more than the base amount.
For example, through the course of business, you sell your $10 product to 20 buyers. At the discount rate and per transaction rate used above ($0.25 transaction and 2.5% discount), your fees amount to $10 on $300 ($10 x 30) in sales. Since this amount is less than the base rate ($15), you will be charged the base rate for the month. However, if you sell your $10 product to 90 buyers, your fees amount to $45 dollars for the month. Since your fees amount to more than the base rate ($45 vs. $15), you will be charged $45 on $900 in sales.
Types of Transactions
There are two basic types of transactions when purchasing goods or services online:
1. One-time Purchase
2. Recurring Subscription
Most online stores and catalogs deal with ‘one-time’ purchases, meaning you find a product online and purchase it. After confirmation of sale, this ends the relationship between buyer and seller.
The other type, ‘recurring subscription’, is based on interval billing. This type of purchase can be for membership fees, or for any other type of fee that is billed on intervals.
Payment Gateway
The payment gateway is an application that you integrate into your website. Most payment gateways have an API that allows for easy, seamless integration into your website, meaning the user’s experience on your website remains consistent, even through the credit card processing phase. The payment gateway is responsible for validating the credit ca
Beat the Crowd with Winning Resume Cover Letters
Far too many people underestimate the importance of resume cover letters. In a sense, a well written cover letter works like an agent on your behalf. It tosses a sales pitch for you to the employer, explaining why you should be at the top of the list for interview calls. Taking the time to write a cover letter tells the employer you are willing to go above and beyond; not just simply slap a resume in an envelope and mail it.Not All Resume Cover Letters Are Created EqualNo two resume cover letters should ever be the same; each one should be uniquely tailored to the job for which you are applying. A generic cover letter is insulting to an employer and will quickly find its way into the trashcan. When writing cover letters keep the following tips in mind:Address resume cover letters to an actual entity, not just a generic "To Whom it May Concern" or "Personnel Director." If you are not sure who to address, find out and then make sure you spell their name correctly. Do not just assume.State who
ssing because this is how the payment will be processed; money must be taken out the buyer’s account and deposited into the seller’s account. The merchant account is the generic name for the process by which all transactions are handled. This is explained in detail:
Far too many people underestimate the importance of resume cover letters. In a sense, a well written cover letter works like an agent on your behalf. It tosses a sales pitch for you to the employer, explaining why you should be at the top of the list for interview calls. Taking the time to write a cover letter tells the employer you are willing to go above and beyond; not just simply slap a resume in an envelope and mail it.Not All Resume Cover Letters Are Created EqualNo two resume cover letters should ever be the same; each one should be uniquely tailored to the job for which you are applying. A generic cover letter is insulting to an employer and will quickly find its way into the trashcan. When writing cover letters keep the following tips in mind:Address resume cover letters to an actual entity, not just a generic "To Whom it May Concern" or "Personnel Director." If you are not sure who to address, find out and then make sure you spell their name correctly. Do not just assume.State who
1. The website visitor selects the product or service to purchase and initiates the sale.
2. The website takes the visitor to secure area of website (with gold lock on bottom of browser) and requests payment information (credit card info).
3. The visitor completes the required information and clicks ‘submit’.
4. The information is sent securely through the payment gateway for the information to be verified as valid or invalid.
5. After verifying the accuracy of the credit card information, the transaction amount is debited from the buyers account (bank or credit card) and deposited into the seller’s bank account.
6. The buyer receives a payment confirmation via the website.
Account Fees & Charges:
There are two basic charges associated with a merchant account. These are:
• Administrative Fee: This is usually a monthly fee that is assessed for all administrative fees.
• Discount Rate: This is a fee (percentage based) that is imposed based on the total amount of the sale.
• Per Transaction: This is a payment gateway fee that is charged with each transaction that comes from your website.
The way this fee system works is the same, no matter what merchant account provider you use. For instance, let’s say you have a transaction rate of $0.25 and a discount rate of 2.5%. If you have a product that you sell for $10 from your website, each time the product is purchased you will receive $10 deposited into your account. You will also be charged $0.25 for the transaction, and $0.25 discount rate (computed at the end of the month). That’s a total of $0.50 in fees for the $10 sale of your product.
Most merchant account providers will impose a monthly base (minimum) fee for the account. Let’s say the base fee is $15. This base rate is an either/or charge, meaning you are charged that amount unless your discount rate and per transaction fee amount to more than the base amount.
For example, through the course of business, you sell your $10 product to 20 buyers. At the discount rate and per transaction rate used above ($0.25 transaction and 2.5% discount), your fees amount to $10 on $300 ($10 x 30) in sales. Since this amount is less than the base rate ($15), you will be charged the base rate for the month. However, if you sell your $10 product to 90 buyers, your fees amount to $45 dollars for the month. Since your fees amount to more than the base rate ($45 vs. $15), you will be charged $45 on $900 in sales.
Types of Transactions
There are two basic types of transactions when purchasing goods or services online:
1. One-time Purchase
2. Recurring Subscription
Most online stores and catalogs deal with ‘one-time’ purchases, meaning you find a product online and purchase it. After confirmation of sale, this ends the relationship between buyer and seller.
The other type, ‘recurring subscription’, is based on interval billing. This type of purchase can be for membership fees, or for any other type of fee that is billed on intervals.
Payment Gateway
The payment gateway is an application that you integrate into your website. Most payment gateways have an API that allows for easy, seamless integration into your website, meaning the user’s experience on your website remains consistent, even through the credit card processing phase. The payment gateway is responsible for validating the credit ca
Are You Working ON Your Business or IN Your Business?
My good friend, Lenny Tumbarello, www.WeTooCanDo.com, gave me the idea for this article. It seems an associate of his sort of criticized him for working “IN” his business. He wanted Lenny to work “ON” his business. This fellow felt Lenny might be spending too much time doing things that could have been “outsourced” for a small cost - thereby freeing Lenny up to focus on the bigger picture, the stuff that would make his business bigger.I am very familiar with this concept. And I think it’s a valid thought process to go through. But you know, I think it’s often misapplied and overrated!In fact I think it may be a big part of what has allowed third world countries to grab a big piece of our economic engine - so big a piece, for so long a time that I worry how and if we are going to get it back.I know Lenny. He made his success in the fast food business - he owned a few stores in Texas. He learned early on that the best way to teach a person how to clean the bathrooms - among other things - was to clean one w
(percentage based) that is imposed based on the total amount of the sale.My good friend, Lenny Tumbarello, www.WeTooCanDo.com, gave me the idea for this article. It seems an associate of his sort of criticized him for working “IN” his business. He wanted Lenny to work “ON” his business. This fellow felt Lenny might be spending too much time doing things that could have been “outsourced” for a small cost - thereby freeing Lenny up to focus on the bigger picture, the stuff that would make his business bigger.I am very familiar with this concept. And I think it’s a valid thought process to go through. But you know, I think it’s often misapplied and overrated!In fact I think it may be a big part of what has allowed third world countries to grab a big piece of our economic engine - so big a piece, for so long a time that I worry how and if we are going to get it back.I know Lenny. He made his success in the fast food business - he owned a few stores in Texas. He learned early on that the best way to teach a person how to clean the bathrooms - among other things - was to clean one w
• Per Transaction: This is a payment gateway fee that is charged with each transaction that comes from your website.
The way this fee system works is the same, no matter what merchant account provider you use. For instance, let’s say you have a transaction rate of $0.25 and a discount rate of 2.5%. If you have a product that you sell for $10 from your website, each time the product is purchased you will receive $10 deposited into your account. You will also be charged $0.25 for the transaction, and $0.25 discount rate (computed at the end of the month). That’s a total of $0.50 in fees for the $10 sale of your product.
Most merchant account providers will impose a monthly base (minimum) fee for the account. Let’s say the base fee is $15. This base rate is an either/or charge, meaning you are charged that amount unless your discount rate and per transaction fee amount to more than the base amount.
For example, through the course of business, you sell your $10 product to 20 buyers. At the discount rate and per transaction rate used above ($0.25 transaction and 2.5% discount), your fees amount to $10 on $300 ($10 x 30) in sales. Since this amount is less than the base rate ($15), you will be charged the base rate for the month. However, if you sell your $10 product to 90 buyers, your fees amount to $45 dollars for the month. Since your fees amount to more than the base rate ($45 vs. $15), you will be charged $45 on $900 in sales.
Types of Transactions
There are two basic types of transactions when purchasing goods or services online:
1. One-time Purchase
2. Recurring Subscription
Most online stores and catalogs deal with ‘one-time’ purchases, meaning you find a product online and purchase it. After confirmation of sale, this ends the relationship between buyer and seller.
The other type, ‘recurring subscription’, is based on interval billing. This type of purchase can be for membership fees, or for any other type of fee that is billed on intervals.
Payment Gateway
The payment gateway is an application that you integrate into your website. Most payment gateways have an API that allows for easy, seamless integration into your website, meaning the user’s experience on your website remains consistent, even through the credit card processing phase. The payment gateway is responsible for validating the credit ca
Can You Get Grants For Business Startups?
Obtaining finance for your small or startup business can be an insurmountable problem. The number one problem that new businesses experience is a shortage of cash. So what is the solution for the small business entrepreneur? Let’s look at the sources of funds you can tap into and how to go about obtaining the money you need.A business grant may very well be available right in your home state. The federal government doesn’t provide for small business in their grant programs. However, many states have development agencies that offer grants that are designed to assist the entrepreneur or small business owner either to start or expand their existing business.It is vitally important that you do your homework before applying for a grant. Creating a business plan is a necessary evil that every application must have, even for existing businesses. Areas that the business plan must cover include an overview of the business and the business owners’ background, detailed description of the business or project and what fundin
than the base rate ($15), you will be charged the base rate for the month. However, if you sell your $10 product to 90 buyers, your fees amount to $45 dollars for the month. Since your fees amount to more than the base rate ($45 vs. $15), you will be charged $45 on $900 in sales.
Obtaining finance for your small or startup business can be an insurmountable problem. The number one problem that new businesses experience is a shortage of cash. So what is the solution for the small business entrepreneur? Let’s look at the sources of funds you can tap into and how to go about obtaining the money you need.A business grant may very well be available right in your home state. The federal government doesn’t provide for small business in their grant programs. However, many states have development agencies that offer grants that are designed to assist the entrepreneur or small business owner either to start or expand their existing business.It is vitally important that you do your homework before applying for a grant. Creating a business plan is a necessary evil that every application must have, even for existing businesses. Areas that the business plan must cover include an overview of the business and the business owners’ background, detailed description of the business or project and what fundin
Types of Transactions
There are two basic types of transactions when purchasing goods or services online:
1. One-time Purchase
2. Recurring Subscription
Most online stores and catalogs deal with ‘one-time’ purchases, meaning you find a product online and purchase it. After confirmation of sale, this ends the relationship between buyer and seller.
The other type, ‘recurring subscription’, is based on interval billing. This type of purchase can be for membership fees, or for any other type of fee that is billed on intervals.
Payment Gateway
The payment gateway is an application that you integrate into your website. Most payment gateways have an API that allows for easy, seamless integration into your website, meaning the user’s experience on your website remains consistent, even through the credit card processing phase. The payment gateway is responsible for validating the credit card information provided, such as address verification and security code matching. There are many payment gateways available on the market, but to ensure compatibility, it’s recommended that you use the one provided at the time of your merchant account setup.
SSL Certificate
The secure digital certificate validates the site as being secure, letting the buyer know that the information exchanged over the internet will be sent using the best possible encryption. In other words, the personal, confidential information sent will be scrambled to avoid interception by a 3rd party and used fraudulently. An SSL certificate requires a static IP address, but does not have to be associated with your website. You can link the transaction to another website (sharing a certificate) to handle the transaction. However, it is recommended that your website have its own static IP and secure certificate to maintain site continuity. Think of it this way; you're at the supermarket, and when you go to checkout, you are either taken across the street to handle the transaction, or the transaction can be handled at the store you're currently at. Basically, it looks more professional to process the transaction immediately, rather than take the buyer somewhere else.
In Conclusion
That is what merchant accounts are all about. All merchant accounts operate on the same guidelines, and determining which merchant account you want to conduct business with is up to you. The main things to consider are the per transaction fee, discount rate and base monthly rate. Make certain that the merchant account provider you are going to use is a top-tier provider, meaning the company is the actual processor, and not a reseller of another provider. This is important when it comes to the fees and customer service for your account.
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