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Answer Upon - Internet Merchant Accounts For Innocents Abroad
A virtual assistant can help you grow your small business or home based business by handling your administrative support tasks. If you're a successful small business entrepreneur, you've already learned the value of outsourcing tasks (even ones you're capable of doing yourself) in order to spend your time strategically growing your business and working on bottom-line functions.You probably already outsource tasks like your accounting and advertising. But did you even know that you can outsource your clerical and administrative support tasks to a virtual assistant? Also called a VA, a virtual assistant is an independent contractor who works from his or her own home or office space. A virtual assistant works virtually, thanks to technology like email, telephone, fax machines, postal mail and courier services. Virtual assistants can work for yo
WorldPay (http://www.worldpay.com)
A well-regarded service. I found adding it to the Oscommerce cart (http://www.oscommerce.com) a bit of a chore, but it worked. More expensive to join than 2Checkout. You don't hear many gripes about WorldPay, which is rare in webmaster circles.
ClickBank.com (http://www.clickbank.com)
Handy if you're selling a few items of inexpensive software to start off your business. They'll let you up the price once they're sure of you. I managed to get them to go up to $150 (whoo!). I was very jealous of their system. It's well desi
First and foremost - You should identify your target market. Target your direct marketing lists. Identify who you are selling to, and why they should buy from you instead of your competition. Keep in mind that placing your offer in front of 100 targeted response leads that have shown an interest or have a history of using your product or service can be much more effective than marketing to 1000 non pre-qualified leads.Find an angle: Attract attention with your mail piece, grab your prospects interest, and hook them in with your offer. The goal is to offer the sales prospects something so irresistible that he or she will immediately want it. Some companies will hook new clients in with an offer close to cost with hopes of retaining the clients in the future.Your message: Choose a benefit with enough appeal to play on impulse buyers
The latter is the option most new merchants choose. You use a third-party to process your payments, and they take percentage. Here are a few popular ones:
PayPal.com (http://www.paypal.com)
I don't recommend them as your main processor. See http://www.paypalsucks.com. PayPal is popular because it was 'firstest with the mostest' on auction sites. For this reason, eBay bought them out. PayPalSucks.com alleges that if you have a bad order they freeze your account, and can even dip into your bank account to make up any shortfalls. Mitigating circumstances are not taken into account. I've read enough complaints about PayPal on webmaster forums to heed them.
The usual rejoinder is; "But I've never had any problems with PayPal". To which is usually retorted "Just wait 'till you get a chargeback!"
A chargeback occurs when someone asks their credit-card company for a refund. They say they didn't get the goods, or they never made the order, or the goods were not as advertised. This is passed on to the processor, who in turn debits the merchant. Or drops him entirely. You don't want too many of these.
I've used them for years for small amounts, with no problem, but on the basis of others' complaints in webmaster forums, I wouldn't use them for large ones. Don't leave large amounts 'on deposit' in any internet-based company; they're not banks, and even banks go bust occasionally.
The best use for PayPal is to entice customers who already use it. Find another provider to be your main one. One like ...
2Checkout.com (http://www.2checkout.com)
This is a factoring service like PayPal. Unlike them, they have a pretty good reputation with webmasters. Like PayPal, they don't provide you with a merchant account; they process your orders through their own.
This is why such sites have to be very stringent; they are answerable to their own merchant account provider. Too many bogus orders, and they go out of business.
This is why third-party factoring services like 2Checkout are very useful to a newbie merchant: fraud prevention. They can screen out suspicious orders.
Most merchants would like to think they can sell worldwide. The fact is most of the world is poor; MOST countries can't afford your goods. So some citizens try to get them fraudulently.
A smart merchant would bar most of the world from accessing his cart, and only accept orders from the USA, Canada, western Europe, Australia and New Zealand, and his home country. Harsh, but you'll sleep better at night.
WorldPay (http://www.worldpay.com)
A well-regarded service. I found adding it to the Oscommerce cart (http://www.oscommerce.com) a bit of a chore, but it worked. More expensive to join than 2Checkout. You don't hear many gripes about WorldPay, which is rare in webmaster circles.
ClickBank.com (http://www.clickbank.com)
Handy if you're selling a few items of inexpensive software to start off your business. They'll let you up the price once they're sure of you. I managed to get them to go up to $150 (whoo!). I was very jealous of their system. It's well desi
The art of management has been defined as getting ordinary people to do be extraordinarily productive.According to my professor, famed management guru Peter F. Drucker, no single company has a monopoly on human talent; it’s fairly evenly distributed.What distinguishes companies is how managers put to work the talent pool that they have. It’s the same thing you hear about poker players.The best ones know how to make the most of the hands they’re dealt.What the best managers have known, and they don’t teach this in MBA programs, I can say that with confidence, is that every worker has one thing, above all, that really gets him to bust his butt; some reward.I’ll never forget a conversation I had with a senior manager at a Fortune 500 company.He asked, “Gary do you know why our grand prize in every sales contes
The usual rejoinder is; "But I've never had any problems with PayPal". To which is usually retorted "Just wait 'till you get a chargeback!"
A chargeback occurs when someone asks their credit-card company for a refund. They say they didn't get the goods, or they never made the order, or the goods were not as advertised. This is passed on to the processor, who in turn debits the merchant. Or drops him entirely. You don't want too many of these.
I've used them for years for small amounts, with no problem, but on the basis of others' complaints in webmaster forums, I wouldn't use them for large ones. Don't leave large amounts 'on deposit' in any internet-based company; they're not banks, and even banks go bust occasionally.
The best use for PayPal is to entice customers who already use it. Find another provider to be your main one. One like ...
2Checkout.com (http://www.2checkout.com)
This is a factoring service like PayPal. Unlike them, they have a pretty good reputation with webmasters. Like PayPal, they don't provide you with a merchant account; they process your orders through their own.
This is why such sites have to be very stringent; they are answerable to their own merchant account provider. Too many bogus orders, and they go out of business.
This is why third-party factoring services like 2Checkout are very useful to a newbie merchant: fraud prevention. They can screen out suspicious orders.
Most merchants would like to think they can sell worldwide. The fact is most of the world is poor; MOST countries can't afford your goods. So some citizens try to get them fraudulently.
A smart merchant would bar most of the world from accessing his cart, and only accept orders from the USA, Canada, western Europe, Australia and New Zealand, and his home country. Harsh, but you'll sleep better at night.
WorldPay (http://www.worldpay.com)
A well-regarded service. I found adding it to the Oscommerce cart (http://www.oscommerce.com) a bit of a chore, but it worked. More expensive to join than 2Checkout. You don't hear many gripes about WorldPay, which is rare in webmaster circles.
ClickBank.com (http://www.clickbank.com)
Handy if you're selling a few items of inexpensive software to start off your business. They'll let you up the price once they're sure of you. I managed to get them to go up to $150 (whoo!). I was very jealous of their system. It's well desi
While a blog can be almost anything from a personal diary to an expostulation of the most arcane data or research results, keeping the blog going is one of the most important aspects of blogging. This is particularly true if your goal is to use your blog as part of your internet business marketing strategy.Unfortunately, many would-be internet entrepreneurs get lured into programs by the prospect of lots of money made easily. The truth is that MOST of these people, even highly-motivated, intelligent people who have been successful in other spheres will fail. The money does not come quick, and when it does come, it usually starts as a trickle. Frankly, the motivation of anticipated ease and wealth does not stand up for long under the harsh light of reality. Just as people drop out of network marketing, internet marketing, and other home
I've used them for years for small amounts, with no problem, but on the basis of others' complaints in webmaster forums, I wouldn't use them for large ones. Don't leave large amounts 'on deposit' in any internet-based company; they're not banks, and even banks go bust occasionally.
The best use for PayPal is to entice customers who already use it. Find another provider to be your main one. One like ...
2Checkout.com (http://www.2checkout.com)
This is a factoring service like PayPal. Unlike them, they have a pretty good reputation with webmasters. Like PayPal, they don't provide you with a merchant account; they process your orders through their own.
This is why such sites have to be very stringent; they are answerable to their own merchant account provider. Too many bogus orders, and they go out of business.
This is why third-party factoring services like 2Checkout are very useful to a newbie merchant: fraud prevention. They can screen out suspicious orders.
Most merchants would like to think they can sell worldwide. The fact is most of the world is poor; MOST countries can't afford your goods. So some citizens try to get them fraudulently.
A smart merchant would bar most of the world from accessing his cart, and only accept orders from the USA, Canada, western Europe, Australia and New Zealand, and his home country. Harsh, but you'll sleep better at night.
WorldPay (http://www.worldpay.com)
A well-regarded service. I found adding it to the Oscommerce cart (http://www.oscommerce.com) a bit of a chore, but it worked. More expensive to join than 2Checkout. You don't hear many gripes about WorldPay, which is rare in webmaster circles.
ClickBank.com (http://www.clickbank.com)
Handy if you're selling a few items of inexpensive software to start off your business. They'll let you up the price once they're sure of you. I managed to get them to go up to $150 (whoo!). I was very jealous of their system. It's well desi
Outsourcing and its corresponding job losses in the US continue to create endless arguments, as expected.All of a sudden the fact that some jobs – quite a few really – continue to be exported is becoming a political issue. All of a sudden also, a number of “experts” make the case for or against job losses but always blaming one or the other political faction in the country for what they consider the most alarming job drain in history since Augustus allowed those specialist of his who could read crow innards, to accept jobs in the provinces of the Empire.“What is the story, Professor? I went to have some changes made in my web page and I found that the company’s computer services are now operating from a place called Bilaspur in Madhya Pradesh, which for all I know could be in West Texas or north of London”“Not quite, it is abou
This is why such sites have to be very stringent; they are answerable to their own merchant account provider. Too many bogus orders, and they go out of business.
This is why third-party factoring services like 2Checkout are very useful to a newbie merchant: fraud prevention. They can screen out suspicious orders.
Most merchants would like to think they can sell worldwide. The fact is most of the world is poor; MOST countries can't afford your goods. So some citizens try to get them fraudulently.
A smart merchant would bar most of the world from accessing his cart, and only accept orders from the USA, Canada, western Europe, Australia and New Zealand, and his home country. Harsh, but you'll sleep better at night.
WorldPay (http://www.worldpay.com)
A well-regarded service. I found adding it to the Oscommerce cart (http://www.oscommerce.com) a bit of a chore, but it worked. More expensive to join than 2Checkout. You don't hear many gripes about WorldPay, which is rare in webmaster circles.
ClickBank.com (http://www.clickbank.com)
Handy if you're selling a few items of inexpensive software to start off your business. They'll let you up the price once they're sure of you. I managed to get them to go up to $150 (whoo!). I was very jealous of their system. It's well desi
"Time is Money"Time is Money, it is often said. And they are right. Most everyone working get paid for performing certain duties during their 9-5 (or other hours) job. That's all well and good. It pays the bills, and I would not recommend anyone to easily give up their day job.But what if you wish to increase your monthly "pay"? Some are able to put in unending overtime hours and can control their take home pay. But most can not. And even if you can, chances are the hourly rates for overtime pay is not significant (unless of course you are a lawyer or such).Fortunately, with the Internet, a great number of opportunities have become more easily accessible. One of which is to assist market research companies with their surveys, and receive compensation. Sounds too good to be true? Not quite. It all comes down to fair compensation
WorldPay (http://www.worldpay.com)
A well-regarded service. I found adding it to the Oscommerce cart (http://www.oscommerce.com) a bit of a chore, but it worked. More expensive to join than 2Checkout. You don't hear many gripes about WorldPay, which is rare in webmaster circles.
ClickBank.com (http://www.clickbank.com)
Handy if you're selling a few items of inexpensive software to start off your business. They'll let you up the price once they're sure of you. I managed to get them to go up to $150 (whoo!). I was very jealous of their system. It's well designed and extremely 'viral'; they're basically a huge affiliate program. Join ClickBank, and others will try and sell your product for you.
They allow you to block whole continents from trying to buy your product, and that is good. The odds are that a $25 order for an ebook, from a third-world country, is fraudulent.
If an order looks dodgy, it probably is. Contact the customer by 'phone or email. If you don't get a satisfactory reply, refund the card.
When you're making $1000+ a month, get your own merchant account.
MerchantSeek (http://www.merchantseek.com)
A useful collection of affiliate links to merchant account and processing providers. Scroll down their front page to their search tool. You can find an account that suits your needs. This is most helpful to non-U.S. merchants, or those seeking 'international merchant accounts'.
In the UK, look for 'merchant services' at:
Barclays bank (http://www.barclaycardmerchantservices.co.uk)
NatWest (http://www.natwest.com)
Bank Of Scotland (http://www.bankofscotland.co.uk)
Royal Bank Of Scotland (http://www.rbs.co.uk)
Streamline (http://www.streamline.com)
UK processing services are:
Secpay (http://www.secpay.com)
Netbanx (http://www.netinvest.co.uk)
Protx (http://www.protx.com)
Having one's own merchant account means paying less in processing fees.
IMPORTANT: You should specify up-front that you are looking for an internet merchant account. Internet transactions are viewed as higher risk than those by bricks-and-mortar businesses. The technical term is 'card not present'.
Some things you may need, if applying for an internet merchant account of your own:
Business bank account;
Photocopy of a voided cheque for said account;
Copy of the articles of incorporation of your company;
Photocopy of your return policy information;
Trade references;
Photocopy of your driver's license or passport.
In short, you need to prove that both you and your company are what you say they are. Your account provider is taking a chance on you. You might send them a ton of bogus orders. A bank is a business too, not a community service. Help them to make the right decision! The more you can establish that you are bona-fide, the lower the cost of your account.
Things to avoid, if you can:
a) Expensive credit-card processing software rental or hire-purchase.
b) Monthly fees.
c) High discounts (the % of your sales they keep).
d) Fat fees up front (anything over $500 is a joke).
e) Salesmen calling you up with a spiel.
f) Getting lumbered with hiring their shopping ca
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