Owner: VirtualTrak Technologies Company Blog URL:http://virtualtrak.blogspot.com Join Date: Tue, 20 Mar 2007 13:43:26 -0500 Rating:0 Site Description: Free PCI Compliance. The cardholder data security requirements address issues that will keep credit card records and cardholder data private and secure.
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Wireless Credit Card Terminals by EXADIGM 2007-03-20 16:51:00 This unit will benefit anyone’s company the moment that it is purchased. The merchant has a retail store and wants to go do trade shows. Now the need for a mobile credit card processing machine is mandatory. This machine connects right to a cell phone, and now the merchant can accept credit cards any where they can think of wanting to sell their merchandise. It can be used with Verizon and Cingular cellar services.The EXADIGM Wireless
Credit Card Processing Terminal can also connect to dial- up modems, USB, Ethernet and Wi-Fi connections.Keywords: credit card processing equipment, wireless terminals, exadigm
Retail Merchant Accounts 2007-03-16 19:24:00 Being educated in what your company does is one of the most important factors of a thriving company. Decisions are always made when owning a business. What to sell, what not to sell; when to expand from retail to e-commerce, and where and whom to go through for credit card processing. Some merchants prefer to go through their own personal banks, but there are merchants whose credit score may not reach the expectations of what their personal banks prefer or require and could be charged a much higher percentage rate as well as other hidden charges not disclosed during the initial setup. A credit card processor knows that merchants do not always have that perfect credit score. A credit card processor works with the merchant, and their individual issues, giving the merchant the attention each one requires, and not a set package or specific mold. Find out more on how we can help your company succeed.Free Rate Analysis Keywords: free rate analysis, accept credit cards today, retail merchant Read more:Retail
, Accounts
Address Verification System (AVS) 2007-03-16 19:11:00 What can a merchant, who accepts online, phone, or mail transactions, do to as a means of security protection to prevent themselves from falling victims to accepting stolen credit cards or fake credit card numbers? Merchants can help secure payment gateways by using the AddressVerificationSystem
(AVS).The Address Verification System was originally used in the case of in person purchases where merchants could verify cards because they had embedded holograms or on-card photo ids. However, this does not help with online, phone, or mail transactions. But, AVS can provide secure payment gateways by having the merchant verify credit card data, such as billing address and zip code, against the Visa®/Mastercard billing information of the cardholder. This layer of security protection allows merchants to further investigate a transaction if the billing information provided by the Address Verification System does not match that the customer provides.It benefits the merchant to use the Address
Online Credit Card Payment Processing 2007-03-16 19:05:00 For those who run any type of business over the Internet, credit card processing is key to the success of their business. Online credit card processing will enable your business to accept immediate payment through the Internet by means of a credit card. For example, if you have ever used a credit card to pay for a purchase or a service, and waited while the transaction went through, you have experienced credit card processing. In fact, what happened was that your credit card went through a processor where it was either approved or denied. There are a number of different options for credit card processing, and a company should choose the method that is best suited for their business.Keywords: online payment processing, credit card payments, credit card transactions, credit card transactions Read more:Payment
, Processing
Mandatory PCI Compliance 2007-03-16 18:48:00 Your customers will feel safer from identity theft and credit card fraud when you sign up for a HackerSafe account. With VerePay payment gateway, from VirtualTrak Technologies, it's a 70% discount.What you can expect from ScanAlert's Hacker Safe:Increased Conversion RateIncreased Consumer ConfidenceIncreased Google RankingIncreased Security For more information on mandatory pci compliance.You can also call 866-872-3011. Make sure you reference VerePay for the discounts.Keywords: increase conversion rates, verepay, website security, online store security, discount website security Read more:Mandatory
, Compliance
Virtual Terminal Transactions 2007-03-15 06:25:00 VerePay Technologies offers a secure browser based payment processing gateway for business merchants online. The virtual terminal acts as your POS (Point of Sale) terminal which replaces the credit card swipe machine.Keywords: virtual terminal, virtual terminal transacations, virtual terminalsread more digg story
Online Payment Fraud Prevention 2007-03-12 16:22:00 One of the most important areas that a company must protect themselves from is online payment fraud. In today’s modern era, many consumers are choosing to shop online. This has opened the doorway for businesses to accept and process credit cards in real time applications. Although this has created a doorway for business success, it has also enabled credit cards online fraud to become increasingly prevalent. In hopes of preventing fraud online, many companies are choosing to use higher security settings, encrypting credit cards, and are using strategies designed for preventing fraud online.For more information on online payment fraud prevention.Keywords: Consumer Fraud, fraud prevention, online payment fraud, payment fraud prevention Read more:Payment
Protect Yourself From Card Not Present Fraud 2007-03-05 16:53:00 With the boom in mail order, technology and the convenience of the Internet, many consumers are making card-not-present transactions. Card not present transactions benefit both the consumer and the business owner. By offering the convenience of card not present transactions, customers are able to patron stores hundreds of miles away from their home base. Consumers can now purchase goods and services which would otherwise not be available to them. Stores benefit by having an expanded world-wide customer base and without card-not-present transactions some small businesses would not stay afloat.The downside to card not present transactions is there are criminals who can fraudulently obtain credit card details to purchase goods and services. The ease of making card-not-present transactions means that consumers and businesses have to monitor transactions to ensure that a thief is not making an illegal purchase.Tips Consumers Can Take To Prevent Card Not Present
FraudTips Businesses Can Take Read more:Protect
, Yourself
Common Reasons for Chargebacks: 2007-02-27 16:36:00 1. Requested Transaction Information Not Received.2. Duplicate Processing3. Fraudulent Mail/Telephone Order Transaction4. Cardholder does not recognize – Potential Fraud5. Fraudulent Processing of Transaction – No Signature Obtained6. Customer disputes7. Processing errors8. Authorization issues9. Nonfulfillment of copy requests (only if fraud or illegible)For More Information on Chargebacks and Protecting yourself, visit VerePay.com.Keywords: chargeback fraud, preventing chargeback Read more:Common
, Reasons
Frequently Asked Questions About Chargebacks. 2007-02-27 16:33:00 Q: Why did I receive a letter asking for a copy of a sales draft?A: A request for a copy of a sales draft is initiated by the cardholder or by the cardholder's bank. Common reasons for these requests are that the cardholder does not recognize the transaction or may need a copy for personal business or tax records. It is imperative that you respond immediately to these requests. If your response is late, we will lose our ability to contest the chargeback.Q: What is the name of the cardholder who requested the sales draft?A: The cardholder issuing bank is not required to supply us with the cardholder's name. We realize that the name may make your search for a copy of the draft easier. However, the standard sales draft request information contains only the card number, dollar amount, and transaction date. Because of this, we encourage you to file your sales drafts in transaction date order.Q: May I have a "no return or refund" policy when accepting credit cards?A: Yes, if the return pol Read more:Frequently Asked Questions
Tips to Avoid Potential Chargebacks 2007-02-27 16:21:00 Do not complete a transaction if the authorization request was declined. Do not repeat the authorization request after receiving a decline.If you receive a “Call” message in response to an authorization request, call your authorization center. Be prepared to answer questions. The operator may ask to speak with the cardholder. If approved, write the authorization code on the sales receipt. If declined, ask the cardholder for another card.Make an imprint for all card-present transactions. If you have a point-of-sale terminal with a magnetic-stripe reader, swipe the card through the reader for every face-to-face transaction. If the terminal isn’t working or a card’s magnetic stripe cannot be read, key-enter the account information and make an imprint of the embossed information onto the sales receipt using a manual imprinter. Even if the transaction is authorized and the cardholder signs the receipt, if the receipt does not have an imprint of the embossed account number and expira Read more:Avoid
, Potential
Merchants Must Comply With Cardholder Data Security Requirements 2007-02-22 15:47:00 With the Internet playing a major role in purchases, computer hackers pose a risk. Hackers are thieves. They cause problems and they can leave merchants holding the bag to face devastating consequences -- not to mention the injury that is done to the consumer whose information is stolen.Become PCI Compliant Today!Free PCI Compliance from VerePay and ScanAlert.Everyone has heard about reputable vendors who have lost their customer’s valuable credit card information. To put it simply, businesses and individuals who make credit card transactions with a merchant expect that their information will be kept private and secure from hackers and individuals on the “inside” who try to steal information for fraudulent purchases. Visa®, MasterCard and other payment cards such as Diners Club, Discover Card and American Express recognized the need to protect their client’s information. Visa® and MasterCard were the first to create cardholder data security requirements which all merchants mu Read more:Requirements
What is a Virtual Terminal? 2007-02-16 17:37:00 In today’s society, companies are choosing to conduct business transactions online. This has increased a number of concerns regarding security issues. With the increase of merchant payments online, companies need software that will insure that credit card processes are conducted with the highest degree of security. This is where virtual terminal transactions come in to play. Virtual Terminal transactions allow users to complete computer transactions processing credit cards over the Internet as opposed to using separate stand-alone applications. There are many benefits to using Virtual Terminal transactions. The first benefit is convenience. For companies that conduct merchant payments online, using virtual terminal transactions will enable you to check and process credit card transactions anywhere that you have computer and Internet access.There are many benefits for using virtual terminal transactions to handle merchant payments online. For instance, convenience is the first benefit
OsCommerce - Free Open Source eCommerce Solution 2007-02-16 00:03:00 There are many people that work on this software, since it is a free open source software, and this allows for many people to share the knowledge they have and to exchange ideas to help make it better. Some people work with osCommerce as a software hobby, while others work on it to help make a software that meets the requirements of their own online marketing needs. All of these people come together to make osCommerce an online shopping cart that offers a variety of choices to those who use it. If you are looking for a free open source that offers the ecommerce solutions you need for your online store, then osCommerce is a great free way to help run your online store.For More Information on osCommerce Free Open Source
eCommerce Solution
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UltraCart - Premier Hosted Shopping Cart Solution 2007-02-15 23:59:00 UltraCart also makes it easy for online merchants to find the best credit card processing company since they support many credit card gateways. This enables merchants to find the processing company that offers the best deal and the features they need. The UltraCart premier shopping cart system is also easy to integrate into your existing website, since there is no software that you have to install yourself. You can choose the way your checkout looks, but all without the headache of installing software on your own server. UltraCart makes e-commerce easy for online merchants.For More Information on UltraCart HostedShopping
Cart Solution
s. Read more:Premier
KwikCart - A Revolutionary eCommerce Business Tool 2007-02-15 23:45:00 No matter if you are involved in sales among businesses, or if you sell to clients, you can find a KwikCart package that can be made to fit the needs of your company. KwikCart ecommerce business tools are easily customized to fit the needs of your online store. If you are unsure about how this system will work for you, you can actually set up a time to walk through the features the site has to offers. E-commerce is big business, and big business needs a great solution to provide the tools that lead to success, and KwikCart has the tools you need.For More Information on KwikCart Shopping Cart Solutions. Read more:Revolutionary
, Business
StoreFront - Shopping Cart Software 2007-02-15 23:43:00 StoreFront works as a plug-in for Microsoft FrontPage and Macromedia Dreamweaver, and allows business to easily customize their websites. There are many benefits that StoreFront offers as well, such as an affiliate program that is already built in, and commissions are easily set up. You can also use the discount and coupon features that are available with StoreFront shopping cart software. StoreFront even comes with the tools to help you manage your website, and also keeps your website secure. If you are already working with FrontPage or Dreamweaver, then StoreFront is a great shopping cart software to choose for your online store.For More Information on StoreFront Shopping
Cart Software
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Sell Online with Yahoo! Stores Merchant Solutions 2007-02-15 21:55:00 YAHOO! Stores offers a variety of tools to help you build your site, and there are many ways that you can customize your web site to your needs. You can even have a professional design your site and help you build your online store. YAHOO! also helps you to build pages that are easily found by a search engine. YAHOO! Shopping Carts are also available for you to use on your online store. You can decide whether you want to have your checkout on one page, or several pages, and the page layout is customizable as well. YAHOO! Shopping Carts also allow your customers to save the contents of the cart for as long as two weeks.For More Information on Yahoo
! Stores and Shopping Carts.
ZenCart Shopping Carts - The Art of E-Commerce 2007-02-15 21:45:00 ZenCart offers enhanced security to merchants as well. You can use it to make your website more secure, and when it is installed you can choose a username and password to help keep it secure. There are even a variety of customer relationship tools that are available to help you improve your e-commerce, including gift certificate programs and referral programs. You can even set up this system to send confirmations by email. Read more:Shopping
What does a virtual terminal do? 2007-02-14 23:14:00 VIRTUAL TERMINAL maintains the history of these payments, batch reports, declined cards, statements, and the “profile” administration list for easy access and management.One time payments may also be made with all 3 of these options.Authorization codes are sent to the merchant. Deposits are made to the merchant’s bank account in the normal 24 to 48 hour time frame. Read more:virtual
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Costs to process payments through recurring billing services? 2007-02-14 23:10:00 The regular merchant processing rates apply.The discount range 2.25 to 2.75 + 30 ¢ per transaction.EXAMPLE:$385 monthly payment x 200 participants = $77,000 recurring
payment monthly.$385 x 0.0225 +30 ¢ [discount rate+transaction fee] = $8.97 x 200 = $1794 monthly discount fee.The processing fees may be taken as a business expense at the end of the tax year. Read more:Costs
What happens when a card is declined authorization? 2007-02-14 23:07:00 The merchant may wait a period of time, such as 24 hours, and select the declined card for re-submission for authorization. Should card receive a decline again, the merchant can request another form of electronic payment a different bankcard or debit card or proceed with their normal collection / late payment procedure.Keywords: Authorizations Declined, Credit Card Authorization, Declined Credit Cards
Recurring Billing Services Equipment and Cost 2007-02-14 23:03:00 There are two choices for equipment. Installation of the processing software in an existing computer . The computer becomes the terminal and uses the modem to connect for the card authorization. COST is $39.95/mo. x 36 mos. leased, or $499.00 retail purchase. Installation of a Virtual Terminal on a computer with an ISP [Internet Service Provider]. The ISP needs to be one other than aol.com. The transactions are done on a secured internet payment link. COST is $399.00 set up fee and a $15.00 monthly network access fee.Keywords: recurring billing, virtual terminal Read more:Billing
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One Time Payments on Recurring Billing Systems 2007-02-14 22:54:00 Yes! The computer accepts the swiped card and processes the transaction the same as a stand-alone terminal on a counter top. It requires a “card reader” – the gizmo that accepts the card swipe. COST range is $29.95/mo. to $49.95/mo. X 48 mos. leased. Retail purchase range is $399.00 to $800.00.Keywords: card swipe, transaction processes, stand alone terminals, card reader, retail credit card transactions, recurring billing services, recurring payment services Read more:Billing
, Systems
Talento T-IPP Credit Card Terminals 2007-03-21 16:17:00 Accept credit cards today with a Talento
T-IPP Credit Card Terminals.Being able to accept credit cards with today's age of almost everyone carrying some sort of credit card is very important. However, there are still those that prefer using their Debit card. And then there are those that use EBT. With this system you accept all the above. With a simple to plug in external key pad, the customers can add in their pin.Keywords: ebt, talento, t-ipp, credit card terminals, debit cards, credit card transactions, card transactions
Accepting Credit Cards 2007-03-23 15:04:00 In this day and age most major stores you go into accepts credit cards. Many consumers today have ceased carrying cash. For most businesses it is almost imperitive that you accept credit cards in order to compete. In the past there was a stigma about how expensive it was for merchants to accept credit cards. However, if you are set up with the correct type of merchant account the cost associated with it is not really expensive. If you are able to save each sale that you have lost from not accepting credit cards, or from accepting a check against your better judgement your overall revenue would increase.Some merchants have accepted credit cards in the past and felt that they paid way too many hidden costs. The best way to avoid this is to research the company that you are going to get a merchant account with. Make sure that you know how credit card processing works and why there are different fees. Do not be afraid to ask questions.Examples of good questions to ask:How long will it take Read more:Cards
Credit Card Processing 2007-03-26 19:01:00 For the merchant, having a credit card processor that will work with them whether they are mail order, online, wholesale or retail is very important. Being able to accept all major credit cards also depends on which credit card processor the merchant goes through. Not all processors provide services that can provide all major credit cards. Some do strictly Visa and MasterCard, and there are quite a few small businesses that use American Express for the small business benefits that card offers.One of the most important requirements that a merchant wants with their credit card processor is a peace of mind when it comes to safety in their processing. By insuring a safe credit card processor to reduce the risk of fraudulent charges and also the risk of having their customer's credit card numbers and information stolen due to the lack of security with a credit card processor, some things to look for are: Does the credit card processor use companies like Scan Alert or other types of PCI Co Read more:Processing
, Credit Card
Credit Card Processing for Merchants 2007-04-09 22:32:00 For example, with American Express, the card itself has a 4 digit number above the credit card number to manually add before credit cards are processed. Using Visa, MasterCard or Discover? There is a 3 digit number that will need to be manually entered as well, ensuring that the credit card is real.Some information to keep in mind about online credit card processors like PayPal and other companies is they have higher processing fees than most Credit Card
Processors because they have a set amount per charge per processing fee, unlike Credit Card Processors that can some times negotiate the processing fees.Most important to the merchant, make sure you research whom you are going through. There are a lot of flashing advertisements out there quoting a specific amount for processing. Make sure it is true. Most of those are for companies that have a very large processing amount. Or process a lot of cards. Protect your self and at the same time that will ensure security to the consumers that Read more:Processing
A high percentage of people don't carry cash anymore. 2007-04-09 22:27:00 With businesses today, ninety percent of people
pay with credit cards. And a majority of those use a Visa or MasterCard logo ATM bank card. The need for carrying cash is fading quickly, and the measures that credit card companies are taking now to make sure every transaction is safe, gives people a sense of security.With Fraud Protection, credit cards companies reverse fraudulent charges with no repercussion to the customers’ credit card. With all the information required, usually the monies used in the fraudulent purchase are refunded with in 24 hours.The ease of using a credit card at most locations is making it so even fast food restaurants are making it possible to use credit cards instead of only cash. Gift cards are now available in credit cards instead of going to a specific store, making those holiday credit cards a huge success.
Credit Card Processing Transaction Fees 2007-04-11 18:41:00 These fees are charged per single transaction, and are used to pay the credit card companies for their services. In most cases, these transaction rates are less expensive for the retail stores than they are for the internet stores. This is because internet business poses a higher risk, so the credit card processing transaction fees are typically higher in order to cover that risk. A transaction fee usually consists of a discount rate, which is a percentage of each transaction (usually ranging from 2.10% to 2.40%), as well as a per transaction fee. This fee is usually anywhere from $.25 to $.40 per transaction. All of these fees will be shown on the merchant’s monthly statement so they will be able to see and track their charges each month. While it may seem like this is a high price to pay, it is absolutely worth it for merchants to be able to easily accept credit cards as payment.Get a free credit card processing rate analysis. Read more:Processing
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, Credit Card
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