Avoiding Credit Card Traps
By James Dimmitt
The next time you open your credit card statement, take a
closer look at the small insert titled “changes to your credit
card agreement”. You know the one I’m speaking about. It’s
that small, folded paper written in legalese that you promise
to read some other time (but of course that time never comes)
or you just discard it with the other “junk” inserts.
First and foremost you must understand that using your credit
card after you’ve received this notification results in your
automatic “agreement” to the new terms in the notice. To
prevent these new terms from affecting your account you must
stop using that credit card immediately or by the date given in
the notification statement.
The most common modifications to credit card agreements include
new APR’s (annual percentage rates), new fees and/or changes to
existing fees, or a change to the grace period on your account.
The grace period is the number of days during which any credit
used for purchases may be repaid in full without incurring a
finance charge.
Not knowing or not keeping track of the dollar amount limit on
your card is another trap you should avoid. Credit card
issuers will allow you to charge a small amount over the limit
set on your account. However, don’t be surprised when you get
hit with an “over limit fee”, usually around $35.00 or higher,
on your next statement. Also, be prepared for your APR to be
increased if you go over your credit limit.
You’ll also trigger an increase to your interest rate if you
miss your payment due date. Some companies consider your
payment late if not received by noon or 1 p.m. on the date due.
Along with the higher rate, you’ll also pay a “late fee” of $29
on up. Be sure to use the company’s preprinted envelope when
sending your payment. These envelopes allow the pre-printed
bar code to be scanned by the post office so that it can be
delivered more efficiently.
If you’ve counted on those few extra days from the time you
mail your check and the time the check clears your bank,
beware! Many credit card issuers have switched from the
traditional method of processing checks to a new electronic
process. This new system shaves off a day or more from the
traditional method it normally takes for your check to clear by
electronically debiting your account.
If you’re considering paying your credit card bills online,
check to see if any additional fees will be charged for using
this type of payment. I recently received an e-mail message
from one of my credit card companies announcing how easy it
would be to make my payments online. Included in fine print at
the bottom of the e-mail was this note - “A fee of up to $14.95
may be charged for this service and will be deducted from your
checking account”. Hmmm, spend 37 cents on postage and mail my
payment five days before the due date or pay now and get charged
an additional $14.95 fee? I’ll bet you can guess which choice I
made.
Taking the time to carefully read and understand your credit
card agreement now will help you save money by avoiding
unnecessary fees or climbing interest rates later down the
road.
About the Author: © 2005,
http://www.yourfreecreditreportnow.com Author: James H. Dimmitt
James is editor of “To Your Credit” a FREE weekly newsletter
focusing on managing your personal finances and credit.
Subscribe and get a FREE copy of your credit report when you
visit: http://www.yourfreecreditreportnow.com
Source: http://www.isnare.com
Tuesday, August 7, 2007
Friday, July 27, 2007
Wireless Credit Card Terminal
How Wireless Handheld Credit Card Processing Can Save Your Business Time and Money
By [http://ezinearticles.com/?expert=Gerald_Schiano]Gerald Schiano
If you are in a service business, how often do you invoice someone and wait 30, 60, 90+ days to get paid. How often do you never get paid? Many of you might already appreciate the benefits of accepting Visa/Mastercard, Amex, and Discover, but currently call in/key in credit card transactions. The fact that a physical credit card is not swiped is costing your business money. It is considered a higher risk transaction and your discount rate will be higher on a non-swiped card transaction. The solution that will save your company time and money is the wireless credit card terminal.
Wireless networks have evolved to the point where they are now very comprehensive and cost effective. The following list of professions could benefit substantially from wireless processing: plumbers, locksmiths, taxis, limo’s, pizza delivery, home parties, trade show participants, flea market merchants, contractors, electricians, snow plowing, lawn maintenance and photographers. The list is endless!
We all know that it is much more appetizing to spend a little more money when you use plastic. Credit Cards also make it more possible for an impulse purchase. For example, we are currently quoting an aerial photographer that takes beautiful pictures of homes in New England, then sells the finished product to the homeowner. A wireless terminal will surely increase his business and grab many of those impulse buyers that might not have purchased with cash on hand.
In closing, many industries could benefit from a wireless hand held credit card terminal. As always, do your research before purchasing and demand that your credit card processor educate you on all aspects of your contract!
Gerald Schiano is a consultant with United Bankcard of New England. He can be reached for a complimentary analysis of your businesses current credit card processing statement or a bid on new service. [http://www.unitedbankcardlowrates.com]http://www.unitedbankcardlowrates.com, [mailto:consult@unitedbankcardlowrates.com]consult@unitedbankcardlowrates.com, http://stores.ebay.com/UBC-of-NE-Accept-Credit-Cards-Now 401-404-5600
There is a reason UBC is the sixth fastest growing private company in the INC 500. Great Service & Great Pricing!
United Bankcard of New England is a proud Agent for United Bankcard a registered ISO/MSP of First National Bank Of Omaha
Article Source: http://EzineArticles.com/?expert=Gerald_Schiano http://EzineArticles.com/?How-Wireless-Handheld-Credit-Card-Processing-Can-Save-Your-Business-Time-and-Money&id=392853
By [http://ezinearticles.com/?expert=Gerald_Schiano]Gerald Schiano
If you are in a service business, how often do you invoice someone and wait 30, 60, 90+ days to get paid. How often do you never get paid? Many of you might already appreciate the benefits of accepting Visa/Mastercard, Amex, and Discover, but currently call in/key in credit card transactions. The fact that a physical credit card is not swiped is costing your business money. It is considered a higher risk transaction and your discount rate will be higher on a non-swiped card transaction. The solution that will save your company time and money is the wireless credit card terminal.
Wireless networks have evolved to the point where they are now very comprehensive and cost effective. The following list of professions could benefit substantially from wireless processing: plumbers, locksmiths, taxis, limo’s, pizza delivery, home parties, trade show participants, flea market merchants, contractors, electricians, snow plowing, lawn maintenance and photographers. The list is endless!
We all know that it is much more appetizing to spend a little more money when you use plastic. Credit Cards also make it more possible for an impulse purchase. For example, we are currently quoting an aerial photographer that takes beautiful pictures of homes in New England, then sells the finished product to the homeowner. A wireless terminal will surely increase his business and grab many of those impulse buyers that might not have purchased with cash on hand.
In closing, many industries could benefit from a wireless hand held credit card terminal. As always, do your research before purchasing and demand that your credit card processor educate you on all aspects of your contract!
Gerald Schiano is a consultant with United Bankcard of New England. He can be reached for a complimentary analysis of your businesses current credit card processing statement or a bid on new service. [http://www.unitedbankcardlowrates.com]http://www.unitedbankcardlowrates.com, [mailto:consult@unitedbankcardlowrates.com]consult@unitedbankcardlowrates.com, http://stores.ebay.com/UBC-of-NE-Accept-Credit-Cards-Now 401-404-5600
There is a reason UBC is the sixth fastest growing private company in the INC 500. Great Service & Great Pricing!
United Bankcard of New England is a proud Agent for United Bankcard a registered ISO/MSP of First National Bank Of Omaha
Article Source: http://EzineArticles.com/?expert=Gerald_Schiano http://EzineArticles.com/?How-Wireless-Handheld-Credit-Card-Processing-Can-Save-Your-Business-Time-and-Money&id=392853
Tuesday, July 24, 2007
Wireless Credit Card Terminal
Lost or Stolen Credit Card? Here's What To Do
By Jill Kane
Unfortunately, purses and wallets become lost or stolen every
day. The missing credit cards in your purse or wallet become
the biggest concern.
Do you know what to do if this happens to you? Well, you should
because a few simple steps can save you a lot of headache. It
really isn't difficult to develop an action plan for your lost
or stolen credit cards.
All major credit card companies have policies to protect you
from loss or theft. You just need to know how to get their
policies working for you if your cards become missing.
The first step is to contact your credit card companies to
report your missing cards. Many companies offer a toll free
number or an online service to handle this type of problem
specifically.
Fortunately, federal law states that your are only liable for
the first $50.00 of fraudulent charges made to your account.
However, you are still required to report the card lost or
stolen and if you do so prior to any fraudulent charges, you
are not liable for the $50.00 charge either.
Be sure to carefully review your statement for any charges that
don't belong to you. And, if there are any fraudulent charges to
your account, notify your credit card company in writing
immediately.
When your send in your written notification be sure to mail it
to the billing errors address. Do not send it with your payment
as it will probably become lost and never get recorded.
A lost or stolen debit card works somewhat differently from a
credit card. If you report the card lost or stolen before it is
used you are not liable for any charges, however, if you wait
for even two business days you may be liable for up to $500.00
of any fraudulent charges made with your card.
After you have reported your missing card, be sure to review
your statements carefully for any fraudulent charges. You
should call, as well as, follow-up with a certified letter
regarding any issues with your lost or stolen card. This added
step will help to eliminate any liability on your part.
Also, remember to have your credit card contact information in
a safe place where you can quickly access it if needed.
Of course, the best way to avoid these problems is to keep
careful track of your credit cards. Know where your credit
cards are at all times and keep your pin numbers secret. Also,
be sure to use pin numbers that are not easy to figure out,
such as your date or birth.
Most importantly, be prepared to contact your credit card
companies via telephone and in writing as soon as possible in
the event your cards become lost or stolen.
About the Author: Jill Kane is an author for
http://www.yes-credit-cards.com/
Source: http://www.isnare.com
By Jill Kane
Unfortunately, purses and wallets become lost or stolen every
day. The missing credit cards in your purse or wallet become
the biggest concern.
Do you know what to do if this happens to you? Well, you should
because a few simple steps can save you a lot of headache. It
really isn't difficult to develop an action plan for your lost
or stolen credit cards.
All major credit card companies have policies to protect you
from loss or theft. You just need to know how to get their
policies working for you if your cards become missing.
The first step is to contact your credit card companies to
report your missing cards. Many companies offer a toll free
number or an online service to handle this type of problem
specifically.
Fortunately, federal law states that your are only liable for
the first $50.00 of fraudulent charges made to your account.
However, you are still required to report the card lost or
stolen and if you do so prior to any fraudulent charges, you
are not liable for the $50.00 charge either.
Be sure to carefully review your statement for any charges that
don't belong to you. And, if there are any fraudulent charges to
your account, notify your credit card company in writing
immediately.
When your send in your written notification be sure to mail it
to the billing errors address. Do not send it with your payment
as it will probably become lost and never get recorded.
A lost or stolen debit card works somewhat differently from a
credit card. If you report the card lost or stolen before it is
used you are not liable for any charges, however, if you wait
for even two business days you may be liable for up to $500.00
of any fraudulent charges made with your card.
After you have reported your missing card, be sure to review
your statements carefully for any fraudulent charges. You
should call, as well as, follow-up with a certified letter
regarding any issues with your lost or stolen card. This added
step will help to eliminate any liability on your part.
Also, remember to have your credit card contact information in
a safe place where you can quickly access it if needed.
Of course, the best way to avoid these problems is to keep
careful track of your credit cards. Know where your credit
cards are at all times and keep your pin numbers secret. Also,
be sure to use pin numbers that are not easy to figure out,
such as your date or birth.
Most importantly, be prepared to contact your credit card
companies via telephone and in writing as soon as possible in
the event your cards become lost or stolen.
About the Author: Jill Kane is an author for
http://www.yes-credit-cards.com/
Source: http://www.isnare.com
Friday, July 20, 2007
Wireless Credit Card Terminal
Credit Card And Loan Apr…some Points Of Interest
By Terry Till
When choosing to have a credit card or credit arrangement how
many of us take an interest in the APR or look into how much
our borrowing will cost us over the year that we have a credit
amount outstanding.
The APR or annual percentage rate that is used for a credit
card or credit facility is our guideline as to how much
interest we will be paying to the financial lender on the money
we borrow. With the competition nowadays to offer us credit on
all matter of consumables we can all to easily forget that what
we sign for today on a credit card or credit arrangement will
inevitably cost us considerably more than the original purchase
price if we don’t make some preliminary investigations into the
total cost of the item including the financial lenders
interest.
So when making your next purchase using a credit card, or any
other credit arrangement, be sure to enquire first what the APR
is and what the total cost of the item will cost you including
the interest.
As a basic guideline obviously the lower the APR is, the
smaller the amount of interest charged should be, however it is
always wise to ask for a full quotation of the total cost in
writing when ever possible.
Also check what APR your current credit card is charging and
make the time to see what better offers are being made by the
other financial institutions, it is not uncommon nowadays to
find interest rates now being offered from 0% to the high 20%
range. Again it is also well worth asking how long the interest
rate being offered is guaranteed for as some companies may offer
an attractive introductory rate for a short period of time which
when reverted back to their normal rate may be far more
uncompetitive than others available.
About the Author: Copywrite 2005 Terry Till
http://www.credit-card-offer-deal.info
Source: http://www.isnare.com
By Terry Till
When choosing to have a credit card or credit arrangement how
many of us take an interest in the APR or look into how much
our borrowing will cost us over the year that we have a credit
amount outstanding.
The APR or annual percentage rate that is used for a credit
card or credit facility is our guideline as to how much
interest we will be paying to the financial lender on the money
we borrow. With the competition nowadays to offer us credit on
all matter of consumables we can all to easily forget that what
we sign for today on a credit card or credit arrangement will
inevitably cost us considerably more than the original purchase
price if we don’t make some preliminary investigations into the
total cost of the item including the financial lenders
interest.
So when making your next purchase using a credit card, or any
other credit arrangement, be sure to enquire first what the APR
is and what the total cost of the item will cost you including
the interest.
As a basic guideline obviously the lower the APR is, the
smaller the amount of interest charged should be, however it is
always wise to ask for a full quotation of the total cost in
writing when ever possible.
Also check what APR your current credit card is charging and
make the time to see what better offers are being made by the
other financial institutions, it is not uncommon nowadays to
find interest rates now being offered from 0% to the high 20%
range. Again it is also well worth asking how long the interest
rate being offered is guaranteed for as some companies may offer
an attractive introductory rate for a short period of time which
when reverted back to their normal rate may be far more
uncompetitive than others available.
About the Author: Copywrite 2005 Terry Till
http://www.credit-card-offer-deal.info
Source: http://www.isnare.com
Wednesday, July 18, 2007
Wireless Credit Card Terminal
Benefits Of Online Credit Card Processors
By Matt Garrett
We have all heard of PayPal. PayPal is an online credit card
processor that allows online businesses to securely accept
credit cards as a form of payment. In addition to PayPal, there
are additional online credit card processors.
Online shopping has dramatically increased in popularity and
each day more consumers think about purchasing online. Online
shopping is popular because it is generally easy and
convenient. Online credit card processors help to make online
shopping hassle free. Online credit card processors are used by
large or small businesses. In additional to nationally known
companies, online credit card processors make it easy for
work-at-home individuals to successfully make a profit selling
homemade or wholesale merchandise.
For individuals interested in starting their own online
business, finding the perfect online credit card processing
company make take sometime. Credit card number are valuable
information and unfortunately many account numbers are stolen
each day. In addition to protecting the assets of your
business, obtaining a secure online credit card processor will
also protect your customers. Consumers do not want to be
shopping or handing out valuable personal information to an
unsecured website or credit card processing company. The best
way to determine the success of online credit card processors
is by searching for customer feedback on the internet. Many
times clients will post feedback when they have had a positive
or negative experience with a company.
In addition to personal and business security, fully
researching the various different online credit card processors
is a potential way to increase your profits. For allowing you to
use their services, you are charged a fee. The fee and rates
will depend on the online credit card processor in question.
For this reason, it is important to shop around and find the
best value for your money. Although cheaper rates are nice, it
is not always better. Go with your gut instinct, if something
seems too good to be true it may be. Research is an important
tool in keeping your profits intact.
It is not uncommon to come across online credit card processors
that offer certain guidelines or restrictions on their services.
For example, there may be a select few of online credit card
processors that limit the amount of sales it processes. This
limit may be monthly, weekly, or even daily. If your business
becomes a success, this restriction could only hurt it and
could cause you to lose potential profits.
Another restriction may include the type of business that you
are operating. Although each online credit card processor is
different and they tend to operate under different standards,
some online businesses may be a violation of their standards. A
few examples of the businesses that online credit card
processors may refuse to service are gambling sites, adult
sties, or pharmacies. Before entering into a contract with an
online credit card processing company, it is important to read
through their contract rules and guidelines.
Credit cards are used by consumers because they are a
convenient and easy way to participate in online shopping. If
you are operating an online business, whether it be large or
small, consider accepting online credit cards. There a wide
number of online credit card processors available to serve your
needs and help your businesses grow.
About the Author: Matt Garrett, SEO Services
http://www.Accept-Credit-Cards-Online.co.uk
Source: http://www.isnare.com
By Matt Garrett
We have all heard of PayPal. PayPal is an online credit card
processor that allows online businesses to securely accept
credit cards as a form of payment. In addition to PayPal, there
are additional online credit card processors.
Online shopping has dramatically increased in popularity and
each day more consumers think about purchasing online. Online
shopping is popular because it is generally easy and
convenient. Online credit card processors help to make online
shopping hassle free. Online credit card processors are used by
large or small businesses. In additional to nationally known
companies, online credit card processors make it easy for
work-at-home individuals to successfully make a profit selling
homemade or wholesale merchandise.
For individuals interested in starting their own online
business, finding the perfect online credit card processing
company make take sometime. Credit card number are valuable
information and unfortunately many account numbers are stolen
each day. In addition to protecting the assets of your
business, obtaining a secure online credit card processor will
also protect your customers. Consumers do not want to be
shopping or handing out valuable personal information to an
unsecured website or credit card processing company. The best
way to determine the success of online credit card processors
is by searching for customer feedback on the internet. Many
times clients will post feedback when they have had a positive
or negative experience with a company.
In addition to personal and business security, fully
researching the various different online credit card processors
is a potential way to increase your profits. For allowing you to
use their services, you are charged a fee. The fee and rates
will depend on the online credit card processor in question.
For this reason, it is important to shop around and find the
best value for your money. Although cheaper rates are nice, it
is not always better. Go with your gut instinct, if something
seems too good to be true it may be. Research is an important
tool in keeping your profits intact.
It is not uncommon to come across online credit card processors
that offer certain guidelines or restrictions on their services.
For example, there may be a select few of online credit card
processors that limit the amount of sales it processes. This
limit may be monthly, weekly, or even daily. If your business
becomes a success, this restriction could only hurt it and
could cause you to lose potential profits.
Another restriction may include the type of business that you
are operating. Although each online credit card processor is
different and they tend to operate under different standards,
some online businesses may be a violation of their standards. A
few examples of the businesses that online credit card
processors may refuse to service are gambling sites, adult
sties, or pharmacies. Before entering into a contract with an
online credit card processing company, it is important to read
through their contract rules and guidelines.
Credit cards are used by consumers because they are a
convenient and easy way to participate in online shopping. If
you are operating an online business, whether it be large or
small, consider accepting online credit cards. There a wide
number of online credit card processors available to serve your
needs and help your businesses grow.
About the Author: Matt Garrett, SEO Services
http://www.Accept-Credit-Cards-Online.co.uk
Source: http://www.isnare.com
Friday, July 13, 2007
Wireless Credit Card Terminal
Review Of Third Party Credit Card Processors
By [http://ezinearticles.com/?expert=Frank_Owen]Frank Owen
Popular Credit Card Processors
Many small businesses rely on third party processors or merchant account providers to accept credit cards on the Web. But how do you know who is the best processor for your business?
Clickbank
For a long time Clickbank was one of the most popular third party processors on the Web. In order to sign up with Clickbank you have to set up your Website to accept payments following their guidelines. You will for example have to state that Clickbank is responsible for processing payments. It usually takes up to three business days to verify that a site is ready to accept payments via Clickbank. Once this is achieved you can start accepting credit card payments. Fortunately Clickbank offers low fees and an affordable service for most people. Some people have complained however that they have lost business because the company has refused valid credit cards.
2Checkout
Another choice is 2Checkout. This company usually requires less than 24 hours to set up payment processing. 2Checkout also processes credit card payment for a low fee. The company doesn't provide you however with built in affiliate software. This means if you have affiliates you can't sign them up for service on the spot, they will have to sign up and pay an activation fee.
Paypal
You can also try Paypal. Many online merchants prefer Paypal because it accepts US and non-US businesses. Paypal is easy to sign up for. It allows customers to pay using multiple credit cards. Paypal does charge a slightly higher fee than other merchants. Paypal also provides you a shopping cart you can place directly on your website.
Article by Frank Owen, visit his web site on credit card processing for more information on credit card processing http://www.creditcardprocessinginsider.com
Article Source: http://EzineArticles.com/?expert=Frank_Owen http://EzineArticles.com/?Review-Of-Third-Party-Credit-Card-Processors&id=88341
By [http://ezinearticles.com/?expert=Frank_Owen]Frank Owen
Popular Credit Card Processors
Many small businesses rely on third party processors or merchant account providers to accept credit cards on the Web. But how do you know who is the best processor for your business?
Clickbank
For a long time Clickbank was one of the most popular third party processors on the Web. In order to sign up with Clickbank you have to set up your Website to accept payments following their guidelines. You will for example have to state that Clickbank is responsible for processing payments. It usually takes up to three business days to verify that a site is ready to accept payments via Clickbank. Once this is achieved you can start accepting credit card payments. Fortunately Clickbank offers low fees and an affordable service for most people. Some people have complained however that they have lost business because the company has refused valid credit cards.
2Checkout
Another choice is 2Checkout. This company usually requires less than 24 hours to set up payment processing. 2Checkout also processes credit card payment for a low fee. The company doesn't provide you however with built in affiliate software. This means if you have affiliates you can't sign them up for service on the spot, they will have to sign up and pay an activation fee.
Paypal
You can also try Paypal. Many online merchants prefer Paypal because it accepts US and non-US businesses. Paypal is easy to sign up for. It allows customers to pay using multiple credit cards. Paypal does charge a slightly higher fee than other merchants. Paypal also provides you a shopping cart you can place directly on your website.
Article by Frank Owen, visit his web site on credit card processing for more information on credit card processing http://www.creditcardprocessinginsider.com
Article Source: http://EzineArticles.com/?expert=Frank_Owen http://EzineArticles.com/?Review-Of-Third-Party-Credit-Card-Processors&id=88341
Tuesday, July 10, 2007
Wireless Credit Card Terminal
Review Of Third Party Credit Card Processors
By [http://ezinearticles.com/?expert=Frank_Owen]Frank Owen
Popular Credit Card Processors
Many small businesses rely on third party processors or merchant account providers to accept credit cards on the Web. But how do you know who is the best processor for your business?
Clickbank
For a long time Clickbank was one of the most popular third party processors on the Web. In order to sign up with Clickbank you have to set up your Website to accept payments following their guidelines. You will for example have to state that Clickbank is responsible for processing payments. It usually takes up to three business days to verify that a site is ready to accept payments via Clickbank. Once this is achieved you can start accepting credit card payments. Fortunately Clickbank offers low fees and an affordable service for most people. Some people have complained however that they have lost business because the company has refused valid credit cards.
2Checkout
Another choice is 2Checkout. This company usually requires less than 24 hours to set up payment processing. 2Checkout also processes credit card payment for a low fee. The company doesn't provide you however with built in affiliate software. This means if you have affiliates you can't sign them up for service on the spot, they will have to sign up and pay an activation fee.
Paypal
You can also try Paypal. Many online merchants prefer Paypal because it accepts US and non-US businesses. Paypal is easy to sign up for. It allows customers to pay using multiple credit cards. Paypal does charge a slightly higher fee than other merchants. Paypal also provides you a shopping cart you can place directly on your website.
Article by Frank Owen, visit his web site on credit card processing for more information on credit card processing http://www.creditcardprocessinginsider.com
Article Source: http://EzineArticles.com/?expert=Frank_Owen http://EzineArticles.com/?Review-Of-Third-Party-Credit-Card-Processors&id=88341
By [http://ezinearticles.com/?expert=Frank_Owen]Frank Owen
Popular Credit Card Processors
Many small businesses rely on third party processors or merchant account providers to accept credit cards on the Web. But how do you know who is the best processor for your business?
Clickbank
For a long time Clickbank was one of the most popular third party processors on the Web. In order to sign up with Clickbank you have to set up your Website to accept payments following their guidelines. You will for example have to state that Clickbank is responsible for processing payments. It usually takes up to three business days to verify that a site is ready to accept payments via Clickbank. Once this is achieved you can start accepting credit card payments. Fortunately Clickbank offers low fees and an affordable service for most people. Some people have complained however that they have lost business because the company has refused valid credit cards.
2Checkout
Another choice is 2Checkout. This company usually requires less than 24 hours to set up payment processing. 2Checkout also processes credit card payment for a low fee. The company doesn't provide you however with built in affiliate software. This means if you have affiliates you can't sign them up for service on the spot, they will have to sign up and pay an activation fee.
Paypal
You can also try Paypal. Many online merchants prefer Paypal because it accepts US and non-US businesses. Paypal is easy to sign up for. It allows customers to pay using multiple credit cards. Paypal does charge a slightly higher fee than other merchants. Paypal also provides you a shopping cart you can place directly on your website.
Article by Frank Owen, visit his web site on credit card processing for more information on credit card processing http://www.creditcardprocessinginsider.com
Article Source: http://EzineArticles.com/?expert=Frank_Owen http://EzineArticles.com/?Review-Of-Third-Party-Credit-Card-Processors&id=88341
Monday, May 14, 2007
Wireless Credit Card Terminal
How Your Credit Card Info Can Be Stolen By Identity Thieves
By Joseph Ducat
There are a number of situations when you are vulnerable to having your credit card information stolen by credit card thieves. Here are a few of them and how to avoid getting victimized.
Buying Gas - There have been cases where hackers have planted a software “bug” in a gas station machine used to process the credit card payments. The bug then captures any credit card information that is entered. It is not known how widespread this kind of crime is, but a number of cases have been recorded. There is no way for you to tell whether the credit card machine has a bug in it or not. The problem is in the software inside which you cannot see. If you are concerned that your credit card information can be stolen this way, and want to play it safe, then your best approach would be to pay for gas in cash. It is also safer to pay with a gas card rather than using a credit card.
Dining at a Restaurant - Most waiters and waitresses will not be out to steal your credit card information, but if any of them do, there are a number of ways that they can do it. In the first place, if a waiter takes your credit card to bring to the cashier, there is a chance that he may take the credit card information when the card is not in your view, possibly by using an electronic device known as a skimmer. Also, sometimes you may be given a card that is not yours, but looks similar, leaving your card behind where it can be vulnerable to identity thieves. This is a less likely approach as it is easily discovered, but nevertheless, you should always check to see whether the credit card you get back is actually yours. And mistakes are always possible. If you do not want to let your credit card out of your sight, then you should just go to the cashier to make your payment, no matter what other people in the restaurant may think.
Paying at the Cashier - There are email stories about people who pay with a credit or debit card, and the person taking it secretly takes a picture of the card using a camera phone. Although the stories may not be true, such a scam is at least technologically possible. You should always be alert when you are paying with a credit card. Take care that no one nearby is stealing glances at your credit card. Don’t bother to look for a camera--if it is there, you will not see it anyway. Instead, wait for the cashier to ask for your payment and hand it directly to him or her. Don’t just place it on the counter. And don’t let the card out of your sight. Make sure you can see what the cashier is doing with your card.
What Steps Can You Take To Prevent Identity Fraud? Find out with the articles on identity theft available at http://identitytheft.i-know.info
Article Source: http://EzineArticles.com/?expert=Joseph_Ducat
http://EzineArticles.com/?How-Your-Credit-Card-Info-Can-Be-Stolen-By-Identity-Thieves&id=461414
There are a number of situations when you are vulnerable to having your credit card information stolen by credit card thieves. Here are a few of them and how to avoid getting victimized: Buying Gas - Dining at a Restaurant - Paying at the Cashier
By Joseph Ducat
There are a number of situations when you are vulnerable to having your credit card information stolen by credit card thieves. Here are a few of them and how to avoid getting victimized.
Buying Gas - There have been cases where hackers have planted a software “bug” in a gas station machine used to process the credit card payments. The bug then captures any credit card information that is entered. It is not known how widespread this kind of crime is, but a number of cases have been recorded. There is no way for you to tell whether the credit card machine has a bug in it or not. The problem is in the software inside which you cannot see. If you are concerned that your credit card information can be stolen this way, and want to play it safe, then your best approach would be to pay for gas in cash. It is also safer to pay with a gas card rather than using a credit card.
Dining at a Restaurant - Most waiters and waitresses will not be out to steal your credit card information, but if any of them do, there are a number of ways that they can do it. In the first place, if a waiter takes your credit card to bring to the cashier, there is a chance that he may take the credit card information when the card is not in your view, possibly by using an electronic device known as a skimmer. Also, sometimes you may be given a card that is not yours, but looks similar, leaving your card behind where it can be vulnerable to identity thieves. This is a less likely approach as it is easily discovered, but nevertheless, you should always check to see whether the credit card you get back is actually yours. And mistakes are always possible. If you do not want to let your credit card out of your sight, then you should just go to the cashier to make your payment, no matter what other people in the restaurant may think.
Paying at the Cashier - There are email stories about people who pay with a credit or debit card, and the person taking it secretly takes a picture of the card using a camera phone. Although the stories may not be true, such a scam is at least technologically possible. You should always be alert when you are paying with a credit card. Take care that no one nearby is stealing glances at your credit card. Don’t bother to look for a camera--if it is there, you will not see it anyway. Instead, wait for the cashier to ask for your payment and hand it directly to him or her. Don’t just place it on the counter. And don’t let the card out of your sight. Make sure you can see what the cashier is doing with your card.
What Steps Can You Take To Prevent Identity Fraud? Find out with the articles on identity theft available at http://identitytheft.i-know.info
Article Source: http://EzineArticles.com/?expert=Joseph_Ducat
http://EzineArticles.com/?How-Your-Credit-Card-Info-Can-Be-Stolen-By-Identity-Thieves&id=461414
There are a number of situations when you are vulnerable to having your credit card information stolen by credit card thieves. Here are a few of them and how to avoid getting victimized: Buying Gas - Dining at a Restaurant - Paying at the Cashier
Saturday, May 12, 2007
Wireless Credit Card Terminal
Virtual Credit Card Terminals
By Kent Pinkerton
Virtual credit card terminals are the best means for processing credit card payments. They are perfect for any business that accepts credit card payments by phone, fax or e-mail. Virtual credit card terminals are a safe, browser-based interface that allows you to authorize, process, and manage credit card transactions, using any computer with an Internet connection. You do not need a physical credit card terminal.
As they reduce complexity and expenses, virtual credit card terminals are suitable for businesses of all sizes. They are commonly used in utility companies, mail order businesses, call center operations, newspapers and magazines, insurance companies, charities, and service companies. With virtual credit card terminals, you can manually enter credit card transactions for mail or phone order sales, refund money to a customer's credit card, automatically bill customers for recurring charges, check the status of transactions, run a variety of reports, and capture previously authorized transaction.
Virtual terminals are software-based credit card terminals enabling you to quickly capture and authorize credit card transactions in real time. When the process is complete, the merchant receives an authorization number and the server stores the transaction details. Transactions are automatically settled at the end of the day and the reports are generated within two to three business days.
Compared with POS (point of sale) terminals, virtual credit card terminals are very fast. Other features of virtual credit card terminals include address verification service, customer and merchant email notifications, recurring payments, and detailed reporting capabilities. Automatic item sub-total calculation, credit card swipe card option, automatic tax calculation, automatic shipping calculation, item discount calculator, billing and shipping data fields, and coupon or rebate calculator are the added features of virtual credit card terminals.
Unlike other software packages, virtual credit card terminals do not need licensing fees and fees for upgrades and customer service. The cost is always associated with authorizing and processing of credit card transactions. Most software-based credit card terminals utilize flash memory to store the software.
Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178
By Kent Pinkerton
Virtual credit card terminals are the best means for processing credit card payments. They are perfect for any business that accepts credit card payments by phone, fax or e-mail. Virtual credit card terminals are a safe, browser-based interface that allows you to authorize, process, and manage credit card transactions, using any computer with an Internet connection. You do not need a physical credit card terminal.
As they reduce complexity and expenses, virtual credit card terminals are suitable for businesses of all sizes. They are commonly used in utility companies, mail order businesses, call center operations, newspapers and magazines, insurance companies, charities, and service companies. With virtual credit card terminals, you can manually enter credit card transactions for mail or phone order sales, refund money to a customer's credit card, automatically bill customers for recurring charges, check the status of transactions, run a variety of reports, and capture previously authorized transaction.
Virtual terminals are software-based credit card terminals enabling you to quickly capture and authorize credit card transactions in real time. When the process is complete, the merchant receives an authorization number and the server stores the transaction details. Transactions are automatically settled at the end of the day and the reports are generated within two to three business days.
Compared with POS (point of sale) terminals, virtual credit card terminals are very fast. Other features of virtual credit card terminals include address verification service, customer and merchant email notifications, recurring payments, and detailed reporting capabilities. Automatic item sub-total calculation, credit card swipe card option, automatic tax calculation, automatic shipping calculation, item discount calculator, billing and shipping data fields, and coupon or rebate calculator are the added features of virtual credit card terminals.
Unlike other software packages, virtual credit card terminals do not need licensing fees and fees for upgrades and customer service. The cost is always associated with authorizing and processing of credit card transactions. Most software-based credit card terminals utilize flash memory to store the software.
Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178
Friday, May 11, 2007
Wireless Credit Card Terminal
Is Your Wireless Network Secure?
By Jeremy Whittaker
Networking professionals are encouraging people to think
twice about wireless network security. You might be
thinking I use WEP-128 bit encryption with MAC address
filtering, I’m safe. Or you may be you’ve never even heard
of WEP, if this is the case you might want to unplug your
wireless access point immediately. But then again look at
the bright side at least you don’t have the false sense of
security that your network is secure. Perhaps you are the
smart guy who knows how insecure wireless networks are. You
too are at just an equal risk!
Your computer consultant might be partially right when they
say WEP will protect your network. It will protect your
network from casual snooping but that is about it. Last
year the FBI was able to crack a WEP protected network in
less than 3 minutes with tools widely available on the
internet. Since then it’s been downhill for WEP.
At this point you might be thinking, “Oh well, someone gets
on my network and uses the internet”. This is completely
false. If someone has gone through the process of getting
on your network chances are the only thing they want is not
internet access. Any computer security professional will
tell you that physical access to the network is 95% of the
security battle. Once this has been accomplished you can
consider all of your data compromised. Customer invoices,
customer data, credit card numbers and passwords to
financial institutions will all be in the hands of a hacker.
One in many methods can be used to gain access to your
personal data, whether it’s through Key loggers, Trojans, or
just by sniffing your plaintext network traffic.
Maybe, just maybe, I have not convinced you of the
insecurities of wireless networks. Let me tell you about
another attack that hackers can use to gain access to your
network. Let’s say your access points are completely locked
down, to your knowledge. A user from your network goes and
flips on their laptop while sitting in an airport terminal
waiting for a plane. They see an available insecure
wireless network so they click on it and connect. None of us
have ever done this before right, itching to check their
email one last time before heading out of town? Unbeknownst
to them they have just clicked on a fake honeypot wireless
network, set up by a rogue hacker that before they can even
realize their machine is already being scanned. Picture for
a moment that user could be anywhere, even sitting at a desk
in your network. Just as long as the rogue access point is
stronger than your AP’s radio signal you’re security is
done.
May be you fall into the category of never setting up
wireless networks because you read about their insecurities.
How then can you be at risk? Just consider for a moment
that a user in your organization fires up his wireless card.
See’s a wireless network that is named XYZCorp after your
company. So they connect to it and immediately a script is
hammering their machine for security vulnerabilities. Once
again they connected to a rogue access point setup by a
hacker. Now you might be thinking. “C’mon you must have to
be a computer genius to find and run these tools.” Think
again, thanks to the kind people over at remote-exploit.org
all these tools can be downloaded in one big happy ISO file.
Burned to a CD as an image and bang you’re done, ready to
take a drive to the nearest business and start sniffing
credit card numbers. Everything wrapped into a nice package
just waiting for the next script kiddy to start running the
programs. You may be thinking ok this is a major problem so
what should I do? Give up my organizations ability to use
wireless networks? This isn’t exactly what we are saying.
A newer wireless security technology has taken over in 2004
called WPA. It is more secure than WEP. And so far tools
are not as readily available to hack your network. But
consider the following. WEP was ratified in the late 1990’s
less than six years later it was exploited. This is typical
of almost every computer technology. It is only a matter of
time before technologies are exploited. Just always
remember Security is a multi-tiered companywide
responsibility. From providing physical security to web
site security all matters should be considered serious and
not taken lightly. So before you grab a wireless access
point and slap it in your network, I urge you to think
twice.
You may think you are in a sinking boat because you are a
small organization not able to implement the latest
technologies and afford the newest access points. Or maybe
you cannot afford to pay an IT staff over 100k-200k a year
to maintain your medium size network. Executives at
N2
Network Solutions say you should consider IT outsourcing or
IT consulting. You can get Industry certified engineers on
a project by project basis. Contractual relationships are
also available to dump the responsibility of your network
into their hands for a fraction of the price. To keep your
small to medium size network performing like a Fortune 500
machine invest the capital and secure your assets.
Jeremy Whittaker is a Senior Consultant for N2 Network Solutions, a leader in Phoenix IT Outsourcing, providing computer services and Phoenix IT Consulting.
Article Source: http://EzineArticles.com/?expert=Jeremy_Whittaker
http://EzineArticles.com/?Is-Your-Wireless-Network-Secure?&id=256379
Wireless networking in today's market is everywhere. But is it secure? Even if you haven't installed or configured wireless networking in your network. You can still be at risk.
By Jeremy Whittaker
Networking professionals are encouraging people to think
twice about wireless network security. You might be
thinking I use WEP-128 bit encryption with MAC address
filtering, I’m safe. Or you may be you’ve never even heard
of WEP, if this is the case you might want to unplug your
wireless access point immediately. But then again look at
the bright side at least you don’t have the false sense of
security that your network is secure. Perhaps you are the
smart guy who knows how insecure wireless networks are. You
too are at just an equal risk!
Your computer consultant might be partially right when they
say WEP will protect your network. It will protect your
network from casual snooping but that is about it. Last
year the FBI was able to crack a WEP protected network in
less than 3 minutes with tools widely available on the
internet. Since then it’s been downhill for WEP.
At this point you might be thinking, “Oh well, someone gets
on my network and uses the internet”. This is completely
false. If someone has gone through the process of getting
on your network chances are the only thing they want is not
internet access. Any computer security professional will
tell you that physical access to the network is 95% of the
security battle. Once this has been accomplished you can
consider all of your data compromised. Customer invoices,
customer data, credit card numbers and passwords to
financial institutions will all be in the hands of a hacker.
One in many methods can be used to gain access to your
personal data, whether it’s through Key loggers, Trojans, or
just by sniffing your plaintext network traffic.
Maybe, just maybe, I have not convinced you of the
insecurities of wireless networks. Let me tell you about
another attack that hackers can use to gain access to your
network. Let’s say your access points are completely locked
down, to your knowledge. A user from your network goes and
flips on their laptop while sitting in an airport terminal
waiting for a plane. They see an available insecure
wireless network so they click on it and connect. None of us
have ever done this before right, itching to check their
email one last time before heading out of town? Unbeknownst
to them they have just clicked on a fake honeypot wireless
network, set up by a rogue hacker that before they can even
realize their machine is already being scanned. Picture for
a moment that user could be anywhere, even sitting at a desk
in your network. Just as long as the rogue access point is
stronger than your AP’s radio signal you’re security is
done.
May be you fall into the category of never setting up
wireless networks because you read about their insecurities.
How then can you be at risk? Just consider for a moment
that a user in your organization fires up his wireless card.
See’s a wireless network that is named XYZCorp after your
company. So they connect to it and immediately a script is
hammering their machine for security vulnerabilities. Once
again they connected to a rogue access point setup by a
hacker. Now you might be thinking. “C’mon you must have to
be a computer genius to find and run these tools.” Think
again, thanks to the kind people over at remote-exploit.org
all these tools can be downloaded in one big happy ISO file.
Burned to a CD as an image and bang you’re done, ready to
take a drive to the nearest business and start sniffing
credit card numbers. Everything wrapped into a nice package
just waiting for the next script kiddy to start running the
programs. You may be thinking ok this is a major problem so
what should I do? Give up my organizations ability to use
wireless networks? This isn’t exactly what we are saying.
A newer wireless security technology has taken over in 2004
called WPA. It is more secure than WEP. And so far tools
are not as readily available to hack your network. But
consider the following. WEP was ratified in the late 1990’s
less than six years later it was exploited. This is typical
of almost every computer technology. It is only a matter of
time before technologies are exploited. Just always
remember Security is a multi-tiered companywide
responsibility. From providing physical security to web
site security all matters should be considered serious and
not taken lightly. So before you grab a wireless access
point and slap it in your network, I urge you to think
twice.
You may think you are in a sinking boat because you are a
small organization not able to implement the latest
technologies and afford the newest access points. Or maybe
you cannot afford to pay an IT staff over 100k-200k a year
to maintain your medium size network. Executives at
N2
Network Solutions say you should consider IT outsourcing or
IT consulting. You can get Industry certified engineers on
a project by project basis. Contractual relationships are
also available to dump the responsibility of your network
into their hands for a fraction of the price. To keep your
small to medium size network performing like a Fortune 500
machine invest the capital and secure your assets.
Jeremy Whittaker is a Senior Consultant for N2 Network Solutions, a leader in Phoenix IT Outsourcing, providing computer services and Phoenix IT Consulting.
Article Source: http://EzineArticles.com/?expert=Jeremy_Whittaker
http://EzineArticles.com/?Is-Your-Wireless-Network-Secure?&id=256379
Wireless networking in today's market is everywhere. But is it secure? Even if you haven't installed or configured wireless networking in your network. You can still be at risk.
Thursday, May 10, 2007
Wireless Credit Card Terminal
Virtual Credit Card Terminals
By Kent Pinkerton
Virtual credit card terminals are the best means for processing credit card payments. They are perfect for any business that accepts credit card payments by phone, fax or e-mail. Virtual credit card terminals are a safe, browser-based interface that allows you to authorize, process, and manage credit card transactions, using any computer with an Internet connection. You do not need a physical credit card terminal.
As they reduce complexity and expenses, virtual credit card terminals are suitable for businesses of all sizes. They are commonly used in utility companies, mail order businesses, call center operations, newspapers and magazines, insurance companies, charities, and service companies. With virtual credit card terminals, you can manually enter credit card transactions for mail or phone order sales, refund money to a customer's credit card, automatically bill customers for recurring charges, check the status of transactions, run a variety of reports, and capture previously authorized transaction.
Virtual terminals are software-based credit card terminals enabling you to quickly capture and authorize credit card transactions in real time. When the process is complete, the merchant receives an authorization number and the server stores the transaction details. Transactions are automatically settled at the end of the day and the reports are generated within two to three business days.
Compared with POS (point of sale) terminals, virtual credit card terminals are very fast. Other features of virtual credit card terminals include address verification service, customer and merchant email notifications, recurring payments, and detailed reporting capabilities. Automatic item sub-total calculation, credit card swipe card option, automatic tax calculation, automatic shipping calculation, item discount calculator, billing and shipping data fields, and coupon or rebate calculator are the added features of virtual credit card terminals.
Unlike other software packages, virtual credit card terminals do not need licensing fees and fees for upgrades and customer service. The cost is always associated with authorizing and processing of credit card transactions. Most software-based credit card terminals utilize flash memory to store the software.
Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178
By Kent Pinkerton
Virtual credit card terminals are the best means for processing credit card payments. They are perfect for any business that accepts credit card payments by phone, fax or e-mail. Virtual credit card terminals are a safe, browser-based interface that allows you to authorize, process, and manage credit card transactions, using any computer with an Internet connection. You do not need a physical credit card terminal.
As they reduce complexity and expenses, virtual credit card terminals are suitable for businesses of all sizes. They are commonly used in utility companies, mail order businesses, call center operations, newspapers and magazines, insurance companies, charities, and service companies. With virtual credit card terminals, you can manually enter credit card transactions for mail or phone order sales, refund money to a customer's credit card, automatically bill customers for recurring charges, check the status of transactions, run a variety of reports, and capture previously authorized transaction.
Virtual terminals are software-based credit card terminals enabling you to quickly capture and authorize credit card transactions in real time. When the process is complete, the merchant receives an authorization number and the server stores the transaction details. Transactions are automatically settled at the end of the day and the reports are generated within two to three business days.
Compared with POS (point of sale) terminals, virtual credit card terminals are very fast. Other features of virtual credit card terminals include address verification service, customer and merchant email notifications, recurring payments, and detailed reporting capabilities. Automatic item sub-total calculation, credit card swipe card option, automatic tax calculation, automatic shipping calculation, item discount calculator, billing and shipping data fields, and coupon or rebate calculator are the added features of virtual credit card terminals.
Unlike other software packages, virtual credit card terminals do not need licensing fees and fees for upgrades and customer service. The cost is always associated with authorizing and processing of credit card transactions. Most software-based credit card terminals utilize flash memory to store the software.
Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178
Wednesday, May 9, 2007
Wireless Credit Card Terminal
What is wireless credit card machine?
02nd October 2006
Author: Vinay Choubey
Wireless credit card machines are at the forefront of credit card processing technology. Many have built in pin pads and thermal printers to make them a complete mobile transaction solution. They are lightweight, very portable and are easy to use.
? A wireless credit card machine comes with advanced technology but also with a much higher price tag when compared to standard POS terminals. The starting price on a wireless credit card machine is around $850.00 for full featured terminals and can go up from there.
? Wireless credit card machines are most often used in mobile and trade show businesses, but are becoming more common in upscale restaurants, taxi, limo, and delivery services.
? The comstar charge anywhere terminal has a much lower price, but does not include an attached printer. One of the benefits of wireless terminals is a feature called store and forward. This service allows cards to be processed when no cellular service is available, by storing the card and transaction information obtained in the swiping of the credit card. The merchant later completes the transaction when service is available. By using store and forward, a merchant will never have to turn down a sale.
? Most wireless terminals have built in pin pads, and are also able to operate with electronic check acceptance services. Due to federal regulations, both debit and electronic checks must be processed through a land line connection and cannot be processed wireless. This is due to the added security that is required when transactions involve a customers bank account.
How Wireless Network works
Wireless credit card machines operate on wireless networks, and thus require additional wireless fee for the cellular service. A wireless credit card machine can be used with a normal phone line if cellular service is not available within a particular area, or can be set up with a store and forward system when no telecommunication method is available at all.
Important Wireless Network Information
? Mobitex Wireless Processing Network
It uses a satellite network, and operates similar to a cellular phone. This network is the standard for wireless processing. The mobitex network is run by Velocita Wireless. This is not the standard cellular phone network, but is designed specifically for business and processing uses.
? CDPD Wireless Processing Network
It is similar to but pre-dates the Motient network is called CDPD. Machines that use the CDPD system will soon be useless on the wireless processing network because the CDPD system is being abandoned. It is important when purchasing a wireless terminal to ensure that the machine does not use the CDPD wireless network but uses the Motient or CDMA networks.
? Wireless Network
Wireless Network is very new for processing is the standard GSM and CDMA cellular phone networks. The GSM network is used by Cingular and T-Mobile. The CDMA network is used by Verizon and Sprint Wireless. These systems are the networks that most cellular phones operate on, allowing for a very large coverage area and reliable service. The coverage area is substantially larger than the Motient Network.
For more details on Credit Card Machine visit us at www.halfvalue.com and ==www.halfvalue.co.uk==http://www.halfvalue.co.uk/==for more information.
This article is free for republishing
Source: http://www.a1articles.com/article_90956_45.html
02nd October 2006
Author: Vinay Choubey
Wireless credit card machines are at the forefront of credit card processing technology. Many have built in pin pads and thermal printers to make them a complete mobile transaction solution. They are lightweight, very portable and are easy to use.
? A wireless credit card machine comes with advanced technology but also with a much higher price tag when compared to standard POS terminals. The starting price on a wireless credit card machine is around $850.00 for full featured terminals and can go up from there.
? Wireless credit card machines are most often used in mobile and trade show businesses, but are becoming more common in upscale restaurants, taxi, limo, and delivery services.
? The comstar charge anywhere terminal has a much lower price, but does not include an attached printer. One of the benefits of wireless terminals is a feature called store and forward. This service allows cards to be processed when no cellular service is available, by storing the card and transaction information obtained in the swiping of the credit card. The merchant later completes the transaction when service is available. By using store and forward, a merchant will never have to turn down a sale.
? Most wireless terminals have built in pin pads, and are also able to operate with electronic check acceptance services. Due to federal regulations, both debit and electronic checks must be processed through a land line connection and cannot be processed wireless. This is due to the added security that is required when transactions involve a customers bank account.
How Wireless Network works
Wireless credit card machines operate on wireless networks, and thus require additional wireless fee for the cellular service. A wireless credit card machine can be used with a normal phone line if cellular service is not available within a particular area, or can be set up with a store and forward system when no telecommunication method is available at all.
Important Wireless Network Information
? Mobitex Wireless Processing Network
It uses a satellite network, and operates similar to a cellular phone. This network is the standard for wireless processing. The mobitex network is run by Velocita Wireless. This is not the standard cellular phone network, but is designed specifically for business and processing uses.
? CDPD Wireless Processing Network
It is similar to but pre-dates the Motient network is called CDPD. Machines that use the CDPD system will soon be useless on the wireless processing network because the CDPD system is being abandoned. It is important when purchasing a wireless terminal to ensure that the machine does not use the CDPD wireless network but uses the Motient or CDMA networks.
? Wireless Network
Wireless Network is very new for processing is the standard GSM and CDMA cellular phone networks. The GSM network is used by Cingular and T-Mobile. The CDMA network is used by Verizon and Sprint Wireless. These systems are the networks that most cellular phones operate on, allowing for a very large coverage area and reliable service. The coverage area is substantially larger than the Motient Network.
For more details on Credit Card Machine visit us at www.halfvalue.com and ==www.halfvalue.co.uk==http://www.halfvalue.co.uk/==for more information.
This article is free for republishing
Source: http://www.a1articles.com/article_90956_45.html
Tuesday, May 8, 2007
Wireless Credit Card Terminals
What is wireless credit card machine?
02nd October 2006
Author: Vinay Choubey
Wireless credit card machines are at the forefront of credit card processing technology. Many have built in pin pads and thermal printers to make them a complete mobile transaction solution. They are lightweight, very portable and are easy to use.
? A wireless credit card machine comes with advanced technology but also with a much higher price tag when compared to standard POS terminals. The starting price on a wireless credit card machine is around $850.00 for full featured terminals and can go up from there.
? Wireless credit card machines are most often used in mobile and trade show businesses, but are becoming more common in upscale restaurants, taxi, limo, and delivery services.
? The comstar charge anywhere terminal has a much lower price, but does not include an attached printer. One of the benefits of wireless terminals is a feature called store and forward. This service allows cards to be processed when no cellular service is available, by storing the card and transaction information obtained in the swiping of the credit card. The merchant later completes the transaction when service is available. By using store and forward, a merchant will never have to turn down a sale.
? Most wireless terminals have built in pin pads, and are also able to operate with electronic check acceptance services. Due to federal regulations, both debit and electronic checks must be processed through a land line connection and cannot be processed wireless. This is due to the added security that is required when transactions involve a customers bank account.
How Wireless Network works
Wireless credit card machines operate on wireless networks, and thus require additional wireless fee for the cellular service. A wireless credit card machine can be used with a normal phone line if cellular service is not available within a particular area, or can be set up with a store and forward system when no telecommunication method is available at all.
Important Wireless Network Information
? Mobitex Wireless Processing Network
It uses a satellite network, and operates similar to a cellular phone. This network is the standard for wireless processing. The mobitex network is run by Velocita Wireless. This is not the standard cellular phone network, but is designed specifically for business and processing uses.
? CDPD Wireless Processing Network
It is similar to but pre-dates the Motient network is called CDPD. Machines that use the CDPD system will soon be useless on the wireless processing network because the CDPD system is being abandoned. It is important when purchasing a wireless terminal to ensure that the machine does not use the CDPD wireless network but uses the Motient or CDMA networks.
? Wireless Network
Wireless Network is very new for processing is the standard GSM and CDMA cellular phone networks. The GSM network is used by Cingular and T-Mobile. The CDMA network is used by Verizon and Sprint Wireless. These systems are the networks that most cellular phones operate on, allowing for a very large coverage area and reliable service. The coverage area is substantially larger than the Motient Network.
For more details on Credit Card Machine visit us at http://www.halfvalue.com/ and www.halfvalue.co.ukfor more information.
This article is free for republishing
Source: http://www.a1articles.com/article_90956_45.html
02nd October 2006
Author: Vinay Choubey
Wireless credit card machines are at the forefront of credit card processing technology. Many have built in pin pads and thermal printers to make them a complete mobile transaction solution. They are lightweight, very portable and are easy to use.
? A wireless credit card machine comes with advanced technology but also with a much higher price tag when compared to standard POS terminals. The starting price on a wireless credit card machine is around $850.00 for full featured terminals and can go up from there.
? Wireless credit card machines are most often used in mobile and trade show businesses, but are becoming more common in upscale restaurants, taxi, limo, and delivery services.
? The comstar charge anywhere terminal has a much lower price, but does not include an attached printer. One of the benefits of wireless terminals is a feature called store and forward. This service allows cards to be processed when no cellular service is available, by storing the card and transaction information obtained in the swiping of the credit card. The merchant later completes the transaction when service is available. By using store and forward, a merchant will never have to turn down a sale.
? Most wireless terminals have built in pin pads, and are also able to operate with electronic check acceptance services. Due to federal regulations, both debit and electronic checks must be processed through a land line connection and cannot be processed wireless. This is due to the added security that is required when transactions involve a customers bank account.
How Wireless Network works
Wireless credit card machines operate on wireless networks, and thus require additional wireless fee for the cellular service. A wireless credit card machine can be used with a normal phone line if cellular service is not available within a particular area, or can be set up with a store and forward system when no telecommunication method is available at all.
Important Wireless Network Information
? Mobitex Wireless Processing Network
It uses a satellite network, and operates similar to a cellular phone. This network is the standard for wireless processing. The mobitex network is run by Velocita Wireless. This is not the standard cellular phone network, but is designed specifically for business and processing uses.
? CDPD Wireless Processing Network
It is similar to but pre-dates the Motient network is called CDPD. Machines that use the CDPD system will soon be useless on the wireless processing network because the CDPD system is being abandoned. It is important when purchasing a wireless terminal to ensure that the machine does not use the CDPD wireless network but uses the Motient or CDMA networks.
? Wireless Network
Wireless Network is very new for processing is the standard GSM and CDMA cellular phone networks. The GSM network is used by Cingular and T-Mobile. The CDMA network is used by Verizon and Sprint Wireless. These systems are the networks that most cellular phones operate on, allowing for a very large coverage area and reliable service. The coverage area is substantially larger than the Motient Network.
For more details on Credit Card Machine visit us at http://www.halfvalue.com/ and www.halfvalue.co.ukfor more information.
This article is free for republishing
Source: http://www.a1articles.com/article_90956_45.html
Thursday, May 3, 2007
Wireless Credit Card Terminal
How Wireless Handheld Credit Card Processing Can Save Your Business Time and Money
By Gerald Schiano
If you are in a service business, how often do you invoice someone and wait 30, 60, 90+ days to get paid. How often do you never get paid? Many of you might already appreciate the benefits of accepting Visa/Mastercard, Amex, and Discover, but currently call in/key in credit card transactions. The fact that a physical credit card is not swiped is costing your business money. It is considered a higher risk transaction and your discount rate will be higher on a non-swiped card transaction. The solution that will save your company time and money is the wireless credit card terminal.
Wireless networks have evolved to the point where they are now very comprehensive and cost effective. The following list of professions could benefit substantially from wireless processing: plumbers, locksmiths, taxis, limo’s, pizza delivery, home parties, trade show participants, flea market merchants, contractors, electricians, snow plowing, lawn maintenance and photographers. The list is endless!
We all know that it is much more appetizing to spend a little more money when you use plastic. Credit Cards also make it more possible for an impulse purchase. For example, we are currently quoting an aerial photographer that takes beautiful pictures of homes in New England, then sells the finished product to the homeowner. A wireless terminal will surely increase his business and grab many of those impulse buyers that might not have purchased with cash on hand.
In closing, many industries could benefit from a wireless hand held credit card terminal. As always, do your research before purchasing and demand that your credit card processor educate you on all aspects of your contract!
Gerald Schiano is a consultant with United Bankcard of New England. He can be reached for a complimentary analysis of your businesses current credit card processing statement or a bid on new service. http://www.unitedbankcardlowrates.com, consult@unitedbankcardlowrates.com, http://stores.ebay.com/UBC-of-NE-Accept-Credit-Cards-Now 401-404-5600
There is a reason UBC is the sixth fastest growing private company in the INC 500. Great Service & Great Pricing!
United Bankcard of New England is a proud Agent for United Bankcard a registered ISO/MSP of First National Bank Of Omaha
Article Source: http://EzineArticles.com/?expert=Gerald_Schiano
http://EzineArticles.com/?How-Wireless-Handheld-Credit-Card-Processing-Can-Save-Your-Business-Time-and-Money&id=392853
By Gerald Schiano
If you are in a service business, how often do you invoice someone and wait 30, 60, 90+ days to get paid. How often do you never get paid? Many of you might already appreciate the benefits of accepting Visa/Mastercard, Amex, and Discover, but currently call in/key in credit card transactions. The fact that a physical credit card is not swiped is costing your business money. It is considered a higher risk transaction and your discount rate will be higher on a non-swiped card transaction. The solution that will save your company time and money is the wireless credit card terminal.
Wireless networks have evolved to the point where they are now very comprehensive and cost effective. The following list of professions could benefit substantially from wireless processing: plumbers, locksmiths, taxis, limo’s, pizza delivery, home parties, trade show participants, flea market merchants, contractors, electricians, snow plowing, lawn maintenance and photographers. The list is endless!
We all know that it is much more appetizing to spend a little more money when you use plastic. Credit Cards also make it more possible for an impulse purchase. For example, we are currently quoting an aerial photographer that takes beautiful pictures of homes in New England, then sells the finished product to the homeowner. A wireless terminal will surely increase his business and grab many of those impulse buyers that might not have purchased with cash on hand.
In closing, many industries could benefit from a wireless hand held credit card terminal. As always, do your research before purchasing and demand that your credit card processor educate you on all aspects of your contract!
Gerald Schiano is a consultant with United Bankcard of New England. He can be reached for a complimentary analysis of your businesses current credit card processing statement or a bid on new service. http://www.unitedbankcardlowrates.com, consult@unitedbankcardlowrates.com, http://stores.ebay.com/UBC-of-NE-Accept-Credit-Cards-Now 401-404-5600
There is a reason UBC is the sixth fastest growing private company in the INC 500. Great Service & Great Pricing!
United Bankcard of New England is a proud Agent for United Bankcard a registered ISO/MSP of First National Bank Of Omaha
Article Source: http://EzineArticles.com/?expert=Gerald_Schiano
http://EzineArticles.com/?How-Wireless-Handheld-Credit-Card-Processing-Can-Save-Your-Business-Time-and-Money&id=392853
Wednesday, May 2, 2007
Wireless Credit Card Terminal
The Cost of Leasing a Credit Card Machine
By Jamie Estep
Leasing credit card machines and equipment is a common practice for many new business owners. When a business starts out, they are often met with a barrage of telemarketers and companies offering to help them to accept credit cards. Because of the new business owner's extremely busy schedule and lack of knowledge regarding the credit card processing industry, owners are often convinced that leasing a credit card terminal is the best solution for their business.
In reality, leasing a credit card machine is far from the best interest. For most businesses, a simple swipe and print credit card machine is a perfectly acceptable method of accepting credit cards. What many new business owners fail to do, is investigate the actual price of a new credit card machine. What they would find is that the outright purchase of a credit card terminal is often a completely reasonably priced purchase, and usually is many times less costly than a lease. What would cost them two to three hundred dollars to own, can cost them thousands of dollars to lease. Money is very tight, especially during the startup phase of a business, and the extra money spent on leasing a credit card machine is most definitely better suited elsewhere.
Leasing credit card equipment became a standard in the eighties and early nineties, when the lack of consumer knowledge and a growing processing industry led to the portrayal of high priced processing equipment. During this time fifty dollar per month leases were not uncommon. Since the creation of the internet, consumers have access to a vast amount of information. Processing companies can no longer easily inflate the costs of processing equipment. Now, new business owners are virtually the only group susceptible to getting scammed into a lease. This is due mainly to time constraints and a lack of research on their part.
Leases do still play a role in obtaining credit card equipment, but should only be considered when the required equipment is very high priced. Wireless terminals, while becoming more affordable, can still be a considerable investment. Wireless terminals can still cost over a thousand dollars to purchase which is definitely a significant amount of money. Leasing a wireless terminal can alleviate some of this cost, but business owners should still be aware that they will pay more than the cost of the terminal in the end.
Leases also often come with strings attached, or more appropriately a web of strings attached. Lease commonly last for thirty six to forty eight months, but can be in any increment from twelve months up to forty eight. The shorter the lease, the higher the monthly payment. Leases are also normally non cancel-able for the duration of the lease. There may be considerable penalties for canceling a lease before its term is up. Leases are not always for ownership of the equipment, and hefty buyout fees can occur at the end of the lease. Some leases start over at the end of their term, and the business only has a short window to opt out of the lease. Businesses should be aware of the terms governing the lease before they even contemplate signing it. Signing a lease without fully understanding what is involved in it and fully calculating the cost of the lease can be an extremely expensive mistake.
Enter your lease information into the lease cost calculator to find out how much extra leasing will cost you compared to purchasing.
Copyright 2006 Jamie Estep, The Merchant Account Blog.
Jamie Estep runs the website: (The Merchant Account Blog) and offers information and advice on topics relating to credit card processing. The Merchant Account Blog also has a lease cost calculator where businesses can compare the costs of an equipment lease to purchasing a terminal outright. (Credit Card Terminal Lease Calculator)
Article Source: http://EzineArticles.com/?expert=Jamie_Estep
http://EzineArticles.com/?The-Cost-of-Leasing-a-Credit-Card-Machine&id=190057
By Jamie Estep
Leasing credit card machines and equipment is a common practice for many new business owners. When a business starts out, they are often met with a barrage of telemarketers and companies offering to help them to accept credit cards. Because of the new business owner's extremely busy schedule and lack of knowledge regarding the credit card processing industry, owners are often convinced that leasing a credit card terminal is the best solution for their business.
In reality, leasing a credit card machine is far from the best interest. For most businesses, a simple swipe and print credit card machine is a perfectly acceptable method of accepting credit cards. What many new business owners fail to do, is investigate the actual price of a new credit card machine. What they would find is that the outright purchase of a credit card terminal is often a completely reasonably priced purchase, and usually is many times less costly than a lease. What would cost them two to three hundred dollars to own, can cost them thousands of dollars to lease. Money is very tight, especially during the startup phase of a business, and the extra money spent on leasing a credit card machine is most definitely better suited elsewhere.
Leasing credit card equipment became a standard in the eighties and early nineties, when the lack of consumer knowledge and a growing processing industry led to the portrayal of high priced processing equipment. During this time fifty dollar per month leases were not uncommon. Since the creation of the internet, consumers have access to a vast amount of information. Processing companies can no longer easily inflate the costs of processing equipment. Now, new business owners are virtually the only group susceptible to getting scammed into a lease. This is due mainly to time constraints and a lack of research on their part.
Leases do still play a role in obtaining credit card equipment, but should only be considered when the required equipment is very high priced. Wireless terminals, while becoming more affordable, can still be a considerable investment. Wireless terminals can still cost over a thousand dollars to purchase which is definitely a significant amount of money. Leasing a wireless terminal can alleviate some of this cost, but business owners should still be aware that they will pay more than the cost of the terminal in the end.
Leases also often come with strings attached, or more appropriately a web of strings attached. Lease commonly last for thirty six to forty eight months, but can be in any increment from twelve months up to forty eight. The shorter the lease, the higher the monthly payment. Leases are also normally non cancel-able for the duration of the lease. There may be considerable penalties for canceling a lease before its term is up. Leases are not always for ownership of the equipment, and hefty buyout fees can occur at the end of the lease. Some leases start over at the end of their term, and the business only has a short window to opt out of the lease. Businesses should be aware of the terms governing the lease before they even contemplate signing it. Signing a lease without fully understanding what is involved in it and fully calculating the cost of the lease can be an extremely expensive mistake.
Enter your lease information into the lease cost calculator to find out how much extra leasing will cost you compared to purchasing.
Copyright 2006 Jamie Estep, The Merchant Account Blog.
Jamie Estep runs the website: (The Merchant Account Blog) and offers information and advice on topics relating to credit card processing. The Merchant Account Blog also has a lease cost calculator where businesses can compare the costs of an equipment lease to purchasing a terminal outright. (Credit Card Terminal Lease Calculator)
Article Source: http://EzineArticles.com/?expert=Jamie_Estep
http://EzineArticles.com/?The-Cost-of-Leasing-a-Credit-Card-Machine&id=190057
Monday, April 30, 2007
Wireless Credit Card Terminal
Making A Credit Card Work For You
By Max Hunter
Boosting Your Credit-Rating With A Well-Managed Credit Card
A considerable obstacle standing between many Americans and the
consumer goods they consider a necessary or desirable part of
life is a ready way to pay for them. From a new piece of
furniture to a car or even a house an age old problem stands in
their way: MONEY – or rather how to get hold of it.
A lucky few earn enough to never have to worry about this
problem. Many more consumers have lenders simply falling over
themselves with offers of credit. For a lot of people, however,
a poor credit history or a low credit rating stands as an
inexorable difference between living the life they want, and
looking with perpetual envy at their neighbor. Even relatively
low cost essentials, such as a vacuum cleaner or television
set, can be too expensive if a way of spreading the initial
cost is not available.
But it doesn’t have to be that way. Credit is available for
those with a lower credit scores, but better still: Borrowing
even relatively small amounts can be a great way for borrowers
with a "chequered past" to improve their credit rating. A
better credit score can lead to an array of greater awards in
the future, including better APR deals and larger credit lines.
If you have a poor credit rating and dreams of one day buying a
house, a credit card is the first logical step to pulling up
your record and getting a mortgage.
Making regular monthly payments to an agreed timescale on a
credit card is – short of scooping a massive inheritance from a
long lost millionaire aunt – one of the single best ways to
improve your credit score. So long as you don’t take on more
debt than you can afford, credit cars are ideal: payments are
reasonably sized and flexible, and if you budget properly can
be structured towards an ultimate payoff
Moreover, you have to be wise to how credit card companies
work. Credit cards are designed by financial institutions as a
way to keep you making minimum payments for years to come – and
enslaved to large interest payments from which they make many of
their profits. Borrow only what you can, and pay back the debt
as quickly as possible.
Of course, even when dealing with the very best lenders, trying
to secure credit card financing with a lower credit rating does
throw up some problems.
Financial institutions will usually insist on a higher interest
rate and sometimes may even ask for a guarantor. The interest
rate can be up to three times what a good credit borrower would
be offered, although in these days of low interest rates, that
need not be prohibitively expensive.
Always try and walk before you run. If you have a high interest
rate on your credit card, borrow sparingly and pay back quickly.
That way you’ll build up your credit score and be able to get
cheaper APR in the future, making larger purchases then far
cheaper over the fullness of time. If you make a large purchase
at a high interest rate and can only pay back the minimum
payment each month, with interest charges you could be paying
as little as just one of half of a percent of the existing
balance each month.
Always keep you balance under control. It can be easy to let
your credit card spending run in excess of what you had
planned. If you have concerns that you might do so, ask the
lender to impose an easily manageable credit limit. That way
you won’t spend a dime more than you can afford. The worst time
to gain unmanageable balance is when interest rates are at their
highest. Do that and it can seem like a lifetime before you get
things back under control.
High-risk borrowers should always exercise extreme caution
before entering into any financial obligation. Before even
thinking about taking on any new financial obligation, consider
your budget and ask yourself how much – if anything – you can
afford. If you decide that you can, you should still be careful
about choosing the right deal.
However, if you can get a credit card that you can manage well,
the benefits are enormous. It will enable you to spread the cost
of larger purchases over manageable periods of time; you can
fill holes in your budget (that are so common in the run up to
pay day); and build up a credit history that will enable you to
get better APR on borrowings and allow you to borrow money for
larger items.
An auto loan or mortgage may seem a distant dream for many
Americans with poor credit histories, but everybody has to
start off somewhere. Get a credit card, manage it well, and
you’ll soon get to where you want.
About the Author: Max Hunter is the author of many credit
related articles. If you are looking for help with Home Loans
or any other type of credit issue please visit us at
http://www.creditcardunlimited.com
Source: http://www.isnare.com
By Max Hunter
Boosting Your Credit-Rating With A Well-Managed Credit Card
A considerable obstacle standing between many Americans and the
consumer goods they consider a necessary or desirable part of
life is a ready way to pay for them. From a new piece of
furniture to a car or even a house an age old problem stands in
their way: MONEY – or rather how to get hold of it.
A lucky few earn enough to never have to worry about this
problem. Many more consumers have lenders simply falling over
themselves with offers of credit. For a lot of people, however,
a poor credit history or a low credit rating stands as an
inexorable difference between living the life they want, and
looking with perpetual envy at their neighbor. Even relatively
low cost essentials, such as a vacuum cleaner or television
set, can be too expensive if a way of spreading the initial
cost is not available.
But it doesn’t have to be that way. Credit is available for
those with a lower credit scores, but better still: Borrowing
even relatively small amounts can be a great way for borrowers
with a "chequered past" to improve their credit rating. A
better credit score can lead to an array of greater awards in
the future, including better APR deals and larger credit lines.
If you have a poor credit rating and dreams of one day buying a
house, a credit card is the first logical step to pulling up
your record and getting a mortgage.
Making regular monthly payments to an agreed timescale on a
credit card is – short of scooping a massive inheritance from a
long lost millionaire aunt – one of the single best ways to
improve your credit score. So long as you don’t take on more
debt than you can afford, credit cars are ideal: payments are
reasonably sized and flexible, and if you budget properly can
be structured towards an ultimate payoff
Moreover, you have to be wise to how credit card companies
work. Credit cards are designed by financial institutions as a
way to keep you making minimum payments for years to come – and
enslaved to large interest payments from which they make many of
their profits. Borrow only what you can, and pay back the debt
as quickly as possible.
Of course, even when dealing with the very best lenders, trying
to secure credit card financing with a lower credit rating does
throw up some problems.
Financial institutions will usually insist on a higher interest
rate and sometimes may even ask for a guarantor. The interest
rate can be up to three times what a good credit borrower would
be offered, although in these days of low interest rates, that
need not be prohibitively expensive.
Always try and walk before you run. If you have a high interest
rate on your credit card, borrow sparingly and pay back quickly.
That way you’ll build up your credit score and be able to get
cheaper APR in the future, making larger purchases then far
cheaper over the fullness of time. If you make a large purchase
at a high interest rate and can only pay back the minimum
payment each month, with interest charges you could be paying
as little as just one of half of a percent of the existing
balance each month.
Always keep you balance under control. It can be easy to let
your credit card spending run in excess of what you had
planned. If you have concerns that you might do so, ask the
lender to impose an easily manageable credit limit. That way
you won’t spend a dime more than you can afford. The worst time
to gain unmanageable balance is when interest rates are at their
highest. Do that and it can seem like a lifetime before you get
things back under control.
High-risk borrowers should always exercise extreme caution
before entering into any financial obligation. Before even
thinking about taking on any new financial obligation, consider
your budget and ask yourself how much – if anything – you can
afford. If you decide that you can, you should still be careful
about choosing the right deal.
However, if you can get a credit card that you can manage well,
the benefits are enormous. It will enable you to spread the cost
of larger purchases over manageable periods of time; you can
fill holes in your budget (that are so common in the run up to
pay day); and build up a credit history that will enable you to
get better APR on borrowings and allow you to borrow money for
larger items.
An auto loan or mortgage may seem a distant dream for many
Americans with poor credit histories, but everybody has to
start off somewhere. Get a credit card, manage it well, and
you’ll soon get to where you want.
About the Author: Max Hunter is the author of many credit
related articles. If you are looking for help with Home Loans
or any other type of credit issue please visit us at
http://www.creditcardunlimited.com
Source: http://www.isnare.com
Saturday, April 28, 2007
Wireless Credit Card Terminal
Boosting Your Credit Score To Get The Best Credit Card Deal
By Ethan Hunter
Making Your Credit Rating Work For You
One of the basics of getting the most competitive credit card
deal in the market is to ensure you have the best credit record
possible. Few of us are lucky enough to be earning a six-figure
salary, and many people are likely to have other financial
undertakings that a potential lender will want to take into
account. None of this, however, should preclude you from
getting a top bracket credit rating. Getting a credit score of
700+ may be beyond some consumers, but lifting your credit
rating to a point at which lenders will furnish you with some
of their best deals is not an insurmountable task.
It can be a stressful time applying for a new line of credit.
Many consumers get upset when applying for a new credit card
when they find out their credit score is low, and they have
poor credit.
A lower credit score can impact the amount of money that
financial institutions will lend you. It can also impact on the
rate of interest at which you borrow. In some cases, the
difference between having an excellent credit rating and a poor
one could be getting a 0% deal on your credit card, and paying
an APR that touches 30%. Sometimes financial institutions won’t
even lend you a dime, based on a low credit score.
A variety of factors can impact on your credit score. Generally
speaking, lenders love stability more than anything else. Paying
amounts owed on time is but one of many variables. It could be
that you’ve lived in more than one address over the preceding
three years; or having borrowings with a variety of
institutions. It could even be down to the fact that you’ve got
too much credit already at your disposal.
But just what goes into your credit score? A report by the
analytics experts Fair Issac recently broke credit scoring down
into five categories and assessed their importance on the final
rating.
Most important was how you had paid you bills in the past with
the most emphasis on recent activity. Naturally, paying all
your bills on time is good; paying them consistently late is
bad. Having accounts that were sent to collection agencies is
even worse, though nowhere near as bad as declaring bankruptcy.
Paying your bills in a timely and consistent manner contributed
to 35 percent of the score.
Next most important was the amount of money you owe and the
amount of available credit at your disposal. The assessment of
outstanding debt fell into several categories, and included
credit cards, car loans, mortgages, home equity lines, and so
on. Also given consideration was the total amount of credit
available. If a customer has 10 credit cards that each have
$10,000 credit limits, that totals $100,000 of available
credit. Generally speaking, people who have a lot of credit
available tend to use it. This makes them a less attractive
credit risk. This amounts to 30 per cent of the total credit
score.
Also impacting on credit scores is the length of credit history
(15 percent). The longer a customer has had credit –
particularly if it's with the same financial institution – the
more points they get.
The mix of credit contributes 10 percent to the credit score.
Customers with the best scores have a mix of both revolving
credit, such as credit cards, and installment credit, such as
mortgages and car loans. Statistically, consumers with a richer
variety of experiences are better credit risks. As far as banks
and credit card companies are concerned, they know how to
handle money.
The last important factor taken into consideration is new
credit applications (10 percent). If you’ve applied for several
lines of credit in the past few months this will negatively
impact your credit score.
The antidotes to this are simple. Pay your bills in a timely
manner, particularly in the months leading up to an
application. Close unused retail store cards, credit cards and
old bank accounts with overdraft facilities. Maintain
long-standing and healthy arrangements with banks and other
lenders. Don’t apply for a stack of credit cards, loans and so
on, unless you’re absolutely sure it’s the right product for
you. It goes without saying that you shouldn’t apply for a
credit line unless you use it.
There’s a sixth factor that can contribute enormously to a
negative credit rating. In 2001 it became possible for
customers to get their own credit score in exchange for a small
fee. In the past, prospective lenders were able to keep this
score hidden, and many unscrupulous institutions used this
knowledge to charge a higher APR on credit. By being aware of
your credit score lenders can't lie and say your score was low
and charge higher APR on your credit card.
More importantly, it’s vital that you get rid of black marks on
your credit rating. Errors unfortunately happen all the time,
and erroneous reports of missed payments, referrals to debt
collectors and even bankruptcies can scupper your chances of
getting a low rate of interest and even a credit card
altogether. Query everything and haggle with credit reference
agencies so that only the information that is listed on your
credit history that should be there, is there.
You can find out your credit history by applying to one of
several companies. Many offer an online service and can furnish
you with the information both quickly and cheaply. Equifax,
Truecredit and Consumerinfo are some of the best such
providers.
Patience is the key to getting a great credit score – and the
best credit deals. You’re never going to make the jump from
having a credit score of 500 to one of 700 overnight, but by
implementing easy to follow and practical strategies, you can
quite easily leverage your credit score to a rating that is
respected by all concerned.
About the Author: Ethan Hunter is the author of many credit
related articles. If you are looking for help with Home Loans
or any type of credit issue please visit us at
http://www.creditcardunlimited.com
Source: http://www.isnare.com
By Ethan Hunter
Making Your Credit Rating Work For You
One of the basics of getting the most competitive credit card
deal in the market is to ensure you have the best credit record
possible. Few of us are lucky enough to be earning a six-figure
salary, and many people are likely to have other financial
undertakings that a potential lender will want to take into
account. None of this, however, should preclude you from
getting a top bracket credit rating. Getting a credit score of
700+ may be beyond some consumers, but lifting your credit
rating to a point at which lenders will furnish you with some
of their best deals is not an insurmountable task.
It can be a stressful time applying for a new line of credit.
Many consumers get upset when applying for a new credit card
when they find out their credit score is low, and they have
poor credit.
A lower credit score can impact the amount of money that
financial institutions will lend you. It can also impact on the
rate of interest at which you borrow. In some cases, the
difference between having an excellent credit rating and a poor
one could be getting a 0% deal on your credit card, and paying
an APR that touches 30%. Sometimes financial institutions won’t
even lend you a dime, based on a low credit score.
A variety of factors can impact on your credit score. Generally
speaking, lenders love stability more than anything else. Paying
amounts owed on time is but one of many variables. It could be
that you’ve lived in more than one address over the preceding
three years; or having borrowings with a variety of
institutions. It could even be down to the fact that you’ve got
too much credit already at your disposal.
But just what goes into your credit score? A report by the
analytics experts Fair Issac recently broke credit scoring down
into five categories and assessed their importance on the final
rating.
Most important was how you had paid you bills in the past with
the most emphasis on recent activity. Naturally, paying all
your bills on time is good; paying them consistently late is
bad. Having accounts that were sent to collection agencies is
even worse, though nowhere near as bad as declaring bankruptcy.
Paying your bills in a timely and consistent manner contributed
to 35 percent of the score.
Next most important was the amount of money you owe and the
amount of available credit at your disposal. The assessment of
outstanding debt fell into several categories, and included
credit cards, car loans, mortgages, home equity lines, and so
on. Also given consideration was the total amount of credit
available. If a customer has 10 credit cards that each have
$10,000 credit limits, that totals $100,000 of available
credit. Generally speaking, people who have a lot of credit
available tend to use it. This makes them a less attractive
credit risk. This amounts to 30 per cent of the total credit
score.
Also impacting on credit scores is the length of credit history
(15 percent). The longer a customer has had credit –
particularly if it's with the same financial institution – the
more points they get.
The mix of credit contributes 10 percent to the credit score.
Customers with the best scores have a mix of both revolving
credit, such as credit cards, and installment credit, such as
mortgages and car loans. Statistically, consumers with a richer
variety of experiences are better credit risks. As far as banks
and credit card companies are concerned, they know how to
handle money.
The last important factor taken into consideration is new
credit applications (10 percent). If you’ve applied for several
lines of credit in the past few months this will negatively
impact your credit score.
The antidotes to this are simple. Pay your bills in a timely
manner, particularly in the months leading up to an
application. Close unused retail store cards, credit cards and
old bank accounts with overdraft facilities. Maintain
long-standing and healthy arrangements with banks and other
lenders. Don’t apply for a stack of credit cards, loans and so
on, unless you’re absolutely sure it’s the right product for
you. It goes without saying that you shouldn’t apply for a
credit line unless you use it.
There’s a sixth factor that can contribute enormously to a
negative credit rating. In 2001 it became possible for
customers to get their own credit score in exchange for a small
fee. In the past, prospective lenders were able to keep this
score hidden, and many unscrupulous institutions used this
knowledge to charge a higher APR on credit. By being aware of
your credit score lenders can't lie and say your score was low
and charge higher APR on your credit card.
More importantly, it’s vital that you get rid of black marks on
your credit rating. Errors unfortunately happen all the time,
and erroneous reports of missed payments, referrals to debt
collectors and even bankruptcies can scupper your chances of
getting a low rate of interest and even a credit card
altogether. Query everything and haggle with credit reference
agencies so that only the information that is listed on your
credit history that should be there, is there.
You can find out your credit history by applying to one of
several companies. Many offer an online service and can furnish
you with the information both quickly and cheaply. Equifax,
Truecredit and Consumerinfo are some of the best such
providers.
Patience is the key to getting a great credit score – and the
best credit deals. You’re never going to make the jump from
having a credit score of 500 to one of 700 overnight, but by
implementing easy to follow and practical strategies, you can
quite easily leverage your credit score to a rating that is
respected by all concerned.
About the Author: Ethan Hunter is the author of many credit
related articles. If you are looking for help with Home Loans
or any type of credit issue please visit us at
http://www.creditcardunlimited.com
Source: http://www.isnare.com
Friday, April 27, 2007
Wireless Credit Card Terminal
Credit Card Processing Terminals
By Thomas Morva
Today, about 80% of customers choose credit cards to pay for online products and services. If an online firm doesn?t possess credit card payment facilities, certainly it loses consumers and sales. Credit card payments are safe and secure, and they guarantee the best customer service. Besides, these payments give a more professional look to any business.
Several different types of credit card processing terminals are available in today's market. These terminals are also referred to as point of sale (POS) terminals. Their type and style depend on the kind of business and style of credit card processing. Prices also vary according to their functions and the technology they use.
Card readers with a small keypad and display are the most basic form of the POS. These are the most economical type of terminals. A credit card processing terminal first checks the customer?s card information. After that, it withdraws money for the purchase from his account and places it directly into the merchant account.
Most merchants prefer a terminal without an attached printer, while retail merchants usually go for a terminal with an integrated printer. There are also wireless machines that are more costly, but the processing volume supports their cost. Wireless credit card processing terminals are mainly used for businesses that continually change their location. Door-to-door salesmen, taxi cab drivers, and seasonal shop owners are the main other consumers of wireless terminals.
Manual credit card processing is a difficult task and it is more time consuming too. The finest choice is to automate your manual credit card processing machine, if possible. Credit card processing machines use different software packages that provide for instant processing, and encrypted SSL (secure socket layer) for safe deals. Of course, any leaks or losses of personal information immediately break the credibility of a business.
Some latest credit card processing terminals can handle multiple merchant accounts. Examples include Nurit 2085, Omni 3750, Nurit 3020, Omni 3740, and Verifone Tranz 380x2. All these terminals provide retailers a fast, low-cost way to approve and process credit card sales.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Credit-Card-Processing-Terminals&id=353153
By Thomas Morva
Today, about 80% of customers choose credit cards to pay for online products and services. If an online firm doesn?t possess credit card payment facilities, certainly it loses consumers and sales. Credit card payments are safe and secure, and they guarantee the best customer service. Besides, these payments give a more professional look to any business.
Several different types of credit card processing terminals are available in today's market. These terminals are also referred to as point of sale (POS) terminals. Their type and style depend on the kind of business and style of credit card processing. Prices also vary according to their functions and the technology they use.
Card readers with a small keypad and display are the most basic form of the POS. These are the most economical type of terminals. A credit card processing terminal first checks the customer?s card information. After that, it withdraws money for the purchase from his account and places it directly into the merchant account.
Most merchants prefer a terminal without an attached printer, while retail merchants usually go for a terminal with an integrated printer. There are also wireless machines that are more costly, but the processing volume supports their cost. Wireless credit card processing terminals are mainly used for businesses that continually change their location. Door-to-door salesmen, taxi cab drivers, and seasonal shop owners are the main other consumers of wireless terminals.
Manual credit card processing is a difficult task and it is more time consuming too. The finest choice is to automate your manual credit card processing machine, if possible. Credit card processing machines use different software packages that provide for instant processing, and encrypted SSL (secure socket layer) for safe deals. Of course, any leaks or losses of personal information immediately break the credibility of a business.
Some latest credit card processing terminals can handle multiple merchant accounts. Examples include Nurit 2085, Omni 3750, Nurit 3020, Omni 3740, and Verifone Tranz 380x2. All these terminals provide retailers a fast, low-cost way to approve and process credit card sales.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Credit-Card-Processing-Terminals&id=353153
Wednesday, April 25, 2007
Wireless Credit Card Terminal
Is Your Wireless Network Secure?
By Jeremy Whittaker
Networking professionals are encouraging people to think
twice about wireless network security. You might be
thinking I use WEP-128 bit encryption with MAC address
filtering, I’m safe. Or you may be you’ve never even heard
of WEP, if this is the case you might want to unplug your
wireless access point immediately. But then again look at
the bright side at least you don’t have the false sense of
security that your network is secure. Perhaps you are the
smart guy who knows how insecure wireless networks are. You
too are at just an equal risk!
Your computer consultant might be partially right when they
say WEP will protect your network. It will protect your
network from casual snooping but that is about it. Last
year the FBI was able to crack a WEP protected network in
less than 3 minutes with tools widely available on the
internet. Since then it’s been downhill for WEP.
At this point you might be thinking, “Oh well, someone gets
on my network and uses the internet”. This is completely
false. If someone has gone through the process of getting
on your network chances are the only thing they want is not
internet access. Any computer security professional will
tell you that physical access to the network is 95% of the
security battle. Once this has been accomplished you can
consider all of your data compromised. Customer invoices,
customer data, credit card numbers and passwords to
financial institutions will all be in the hands of a hacker.
One in many methods can be used to gain access to your
personal data, whether it’s through Key loggers, Trojans, or
just by sniffing your plaintext network traffic.
Maybe, just maybe, I have not convinced you of the
insecurities of wireless networks. Let me tell you about
another attack that hackers can use to gain access to your
network. Let’s say your access points are completely locked
down, to your knowledge. A user from your network goes and
flips on their laptop while sitting in an airport terminal
waiting for a plane. They see an available insecure
wireless network so they click on it and connect. None of us
have ever done this before right, itching to check their
email one last time before heading out of town? Unbeknownst
to them they have just clicked on a fake honeypot wireless
network, set up by a rogue hacker that before they can even
realize their machine is already being scanned. Picture for
a moment that user could be anywhere, even sitting at a desk
in your network. Just as long as the rogue access point is
stronger than your AP’s radio signal you’re security is
done.
May be you fall into the category of never setting up
wireless networks because you read about their insecurities.
How then can you be at risk? Just consider for a moment
that a user in your organization fires up his wireless card.
See’s a wireless network that is named XYZCorp after your
company. So they connect to it and immediately a script is
hammering their machine for security vulnerabilities. Once
again they connected to a rogue access point setup by a
hacker. Now you might be thinking. “C’mon you must have to
be a computer genius to find and run these tools.” Think
again, thanks to the kind people over at remote-exploit.org
all these tools can be downloaded in one big happy ISO file.
Burned to a CD as an image and bang you’re done, ready to
take a drive to the nearest business and start sniffing
credit card numbers. Everything wrapped into a nice package
just waiting for the next script kiddy to start running the
programs. You may be thinking ok this is a major problem so
what should I do? Give up my organizations ability to use
wireless networks? This isn’t exactly what we are saying.
A newer wireless security technology has taken over in 2004
called WPA. It is more secure than WEP. And so far tools
are not as readily available to hack your network. But
consider the following. WEP was ratified in the late 1990’s
less than six years later it was exploited. This is typical
of almost every computer technology. It is only a matter of
time before technologies are exploited. Just always
remember Security is a multi-tiered companywide
responsibility. From providing physical security to web
site security all matters should be considered serious and
not taken lightly. So before you grab a wireless access
point and slap it in your network, I urge you to think
twice.
You may think you are in a sinking boat because you are a
small organization not able to implement the latest
technologies and afford the newest access points. Or maybe
you cannot afford to pay an IT staff over 100k-200k a year
to maintain your medium size network. Executives at
N2
Network Solutions say you should consider IT outsourcing or
IT consulting. You can get Industry certified engineers on
a project by project basis. Contractual relationships are
also available to dump the responsibility of your network
into their hands for a fraction of the price. To keep your
small to medium size network performing like a Fortune 500
machine invest the capital and secure your assets.
Jeremy Whittaker is a Senior Consultant for N2 Network Solutions, a leader in Phoenix IT Outsourcing, providing computer services and Phoenix IT Consulting.
Article Source: http://EzineArticles.com/?expert=Jeremy_Whittaker
http://EzineArticles.com/?Is-Your-Wireless-Network-Secure?&id=256379
By Jeremy Whittaker
Networking professionals are encouraging people to think
twice about wireless network security. You might be
thinking I use WEP-128 bit encryption with MAC address
filtering, I’m safe. Or you may be you’ve never even heard
of WEP, if this is the case you might want to unplug your
wireless access point immediately. But then again look at
the bright side at least you don’t have the false sense of
security that your network is secure. Perhaps you are the
smart guy who knows how insecure wireless networks are. You
too are at just an equal risk!
Your computer consultant might be partially right when they
say WEP will protect your network. It will protect your
network from casual snooping but that is about it. Last
year the FBI was able to crack a WEP protected network in
less than 3 minutes with tools widely available on the
internet. Since then it’s been downhill for WEP.
At this point you might be thinking, “Oh well, someone gets
on my network and uses the internet”. This is completely
false. If someone has gone through the process of getting
on your network chances are the only thing they want is not
internet access. Any computer security professional will
tell you that physical access to the network is 95% of the
security battle. Once this has been accomplished you can
consider all of your data compromised. Customer invoices,
customer data, credit card numbers and passwords to
financial institutions will all be in the hands of a hacker.
One in many methods can be used to gain access to your
personal data, whether it’s through Key loggers, Trojans, or
just by sniffing your plaintext network traffic.
Maybe, just maybe, I have not convinced you of the
insecurities of wireless networks. Let me tell you about
another attack that hackers can use to gain access to your
network. Let’s say your access points are completely locked
down, to your knowledge. A user from your network goes and
flips on their laptop while sitting in an airport terminal
waiting for a plane. They see an available insecure
wireless network so they click on it and connect. None of us
have ever done this before right, itching to check their
email one last time before heading out of town? Unbeknownst
to them they have just clicked on a fake honeypot wireless
network, set up by a rogue hacker that before they can even
realize their machine is already being scanned. Picture for
a moment that user could be anywhere, even sitting at a desk
in your network. Just as long as the rogue access point is
stronger than your AP’s radio signal you’re security is
done.
May be you fall into the category of never setting up
wireless networks because you read about their insecurities.
How then can you be at risk? Just consider for a moment
that a user in your organization fires up his wireless card.
See’s a wireless network that is named XYZCorp after your
company. So they connect to it and immediately a script is
hammering their machine for security vulnerabilities. Once
again they connected to a rogue access point setup by a
hacker. Now you might be thinking. “C’mon you must have to
be a computer genius to find and run these tools.” Think
again, thanks to the kind people over at remote-exploit.org
all these tools can be downloaded in one big happy ISO file.
Burned to a CD as an image and bang you’re done, ready to
take a drive to the nearest business and start sniffing
credit card numbers. Everything wrapped into a nice package
just waiting for the next script kiddy to start running the
programs. You may be thinking ok this is a major problem so
what should I do? Give up my organizations ability to use
wireless networks? This isn’t exactly what we are saying.
A newer wireless security technology has taken over in 2004
called WPA. It is more secure than WEP. And so far tools
are not as readily available to hack your network. But
consider the following. WEP was ratified in the late 1990’s
less than six years later it was exploited. This is typical
of almost every computer technology. It is only a matter of
time before technologies are exploited. Just always
remember Security is a multi-tiered companywide
responsibility. From providing physical security to web
site security all matters should be considered serious and
not taken lightly. So before you grab a wireless access
point and slap it in your network, I urge you to think
twice.
You may think you are in a sinking boat because you are a
small organization not able to implement the latest
technologies and afford the newest access points. Or maybe
you cannot afford to pay an IT staff over 100k-200k a year
to maintain your medium size network. Executives at
N2
Network Solutions say you should consider IT outsourcing or
IT consulting. You can get Industry certified engineers on
a project by project basis. Contractual relationships are
also available to dump the responsibility of your network
into their hands for a fraction of the price. To keep your
small to medium size network performing like a Fortune 500
machine invest the capital and secure your assets.
Jeremy Whittaker is a Senior Consultant for N2 Network Solutions, a leader in Phoenix IT Outsourcing, providing computer services and Phoenix IT Consulting.
Article Source: http://EzineArticles.com/?expert=Jeremy_Whittaker
http://EzineArticles.com/?Is-Your-Wireless-Network-Secure?&id=256379
Tuesday, April 17, 2007
Wireless Credit Card Terminal
The "Credit Card Debt Termination" Scam
By Charles Phelan
"Legally terminate credit card debt! You can be debt-free in
4-6 months!" Advertisements like this are for a new type of
program that has spread via the Internet over the past few
years. It's called "Credit Card Debt Termination," and victims
are paying up to $3,500 for this bogus service. In this
article, I'll review the principles behind this program and
explain exactly why it's a scam to be avoided.
First, let's get our definitions straight. The scheme I'm
describing here should not be confused with Debt Consolidation
or Debt Settlement (also known as Debt Negotiation), both of
which are legitimate and ethical methods for debt resolution.
The easiest way to distinguish the Credit Card Debt Termination
scam from other valid programs is based on the central claim
that you really don't owe any money!
With Debt Consolidation, you pay back all of your debt
balances. With Debt Settlement, you pay back a lower amount
(usually around 50%) while the creditor agrees to forgive the
remaining balance. However, with the bogus Credit Card Debt
Termination program, promoters claim that you won't need to pay
anything at all (except their outrageous fees, naturally). They
make the surprising claim that you can legally wipe away your
debts simply by using their super-duper magic documents. Based
on some legal mumbo-jumbo, the claim is made that you really
didn't borrow any money from your creditors!
In order to understand this scam, a little background is
necessary. Remember the tax protest movement back in the 1970s?
People were claiming that the IRS tax collection system was
unconstitutional, and based on their misinterpretation of the
tax code, they refused to pay taxes. The IRS came down hard on
the tax protest movement, and through the court system, they
blew holes in all the legal arguments put forth by the
protesters. The Credit Card Debt Termination scam is a lot like
the tax protest movement. In fact, among collection
professionals, it's called the "monetary protest movement."
Just like the tax protest movement, there is a common theme
that runs through all of the promotional materials issued by
the monetary protestors. The basic idea is that our Federal
Reserve monetary system and generally accepted accounting
principles (GAAP) do not permit banks to loan out their own
money. Therefore, according to their interpretation, the credit
card banks are the ones running the scam on the American public.
Stay with me here, because the logic is pretty strange. If a
bank cannot lend its own money, how does a credit card bank
extend credit? The claim here is that your credit card
agreement itself becomes a form of money (known as a promissory
note) the moment you sign it. The idea is that the bank
"deposits" your agreement as an asset on their books, and then
any credit you use is offset as a liability against that asset.
In other words, the core concept here is that you literally
borrowed your own money from the credit card bank.
So let's say your balance with ABC Credit Card Bank is $10,000,
which you borrowed against the card to make everyday purchases.
The scam promoters say all you need to do is notify the bank
that you want your original "deposit" back. However, you will
permit the bank to offset the amount you borrowed against the
amount you have on "deposit." Presto! You don't owe the balance
anymore!
Now, as you can imagine, the banks don't take kindly to such
tactics. Many of the consumers using this technique are getting
sued by their creditors. But the scammers have more tricks
available, as if the "smoke and mirrors" financial nonsense
wasn't enough. One of their techniques is the use of bogus
"arbitration" forums. Arbitration is of course a legitimate
system that allows businesses and individuals to resolve
disputes without going to court. What do the scammers do? They
coach people on how to set up a fake arbitration forum, for the
express purpose of making a dispute against their creditors!
Naturally, the creditors will not send representatives to some
non-existent arbitration forum, so the consumer gets to
rubber-stamp their own arbitration award. If they get sued in a
regular court, they present their bogus award to the judge in
the hopes that the creditor's lawsuit will be dismissed.
There are other techniques used by promoters of this scheme,
but the key point to remember is the central claim that your
credit card debt does not really exist. Of course, it's all
nonsense based on a misinterpretation of our monetary system,
and if you step back and think about for a minute, the truth
seems pretty obvious. What these scammers are saying is that
the entire $700 billion credit card industry is operating on an
illegal basis! Even if the legal theory used by the promoters
were true (which it isn't), do you think for a moment the
government would allow this giant industry to go under? That's
exactly what would happen if the promoter's claims were proven
true and used on a widespread basis.
The Federal Trade Commission, which has jurisdiction here,
hasn't stomped on these con artists yet, but it's only a matter
of time. Unfortunately, in the meanwhile, consumers are being
bilked out of millions of dollars for a worthless program that
will only get them into deep trouble with their creditors. If
you are approached by someone offering to wipe away your debts
using this system, I strongly recommend you run in the other
direction while you hold on tightly to your wallet or purse.
Remember, you can eliminate your debts if you take a
disciplined approach to your finances, make a budget and stick
to it, and don't use your credit cards unless you can pay off
new balances in full each month.
Good luck in your financial future!
About the Author: Charles J. Phelan has been helping people
become debt-free without bankruptcy since 1997. A former
executive in the debt settlement industry, he teaches the
do-it-yourself method of debt negotiation. Audio-CD material
plus expert personal coaching helps consumers achieve
professional results at a fraction of the cost.
http://www.zipdebt.com
Source: http://www.isnare.com
By Charles Phelan
"Legally terminate credit card debt! You can be debt-free in
4-6 months!" Advertisements like this are for a new type of
program that has spread via the Internet over the past few
years. It's called "Credit Card Debt Termination," and victims
are paying up to $3,500 for this bogus service. In this
article, I'll review the principles behind this program and
explain exactly why it's a scam to be avoided.
First, let's get our definitions straight. The scheme I'm
describing here should not be confused with Debt Consolidation
or Debt Settlement (also known as Debt Negotiation), both of
which are legitimate and ethical methods for debt resolution.
The easiest way to distinguish the Credit Card Debt Termination
scam from other valid programs is based on the central claim
that you really don't owe any money!
With Debt Consolidation, you pay back all of your debt
balances. With Debt Settlement, you pay back a lower amount
(usually around 50%) while the creditor agrees to forgive the
remaining balance. However, with the bogus Credit Card Debt
Termination program, promoters claim that you won't need to pay
anything at all (except their outrageous fees, naturally). They
make the surprising claim that you can legally wipe away your
debts simply by using their super-duper magic documents. Based
on some legal mumbo-jumbo, the claim is made that you really
didn't borrow any money from your creditors!
In order to understand this scam, a little background is
necessary. Remember the tax protest movement back in the 1970s?
People were claiming that the IRS tax collection system was
unconstitutional, and based on their misinterpretation of the
tax code, they refused to pay taxes. The IRS came down hard on
the tax protest movement, and through the court system, they
blew holes in all the legal arguments put forth by the
protesters. The Credit Card Debt Termination scam is a lot like
the tax protest movement. In fact, among collection
professionals, it's called the "monetary protest movement."
Just like the tax protest movement, there is a common theme
that runs through all of the promotional materials issued by
the monetary protestors. The basic idea is that our Federal
Reserve monetary system and generally accepted accounting
principles (GAAP) do not permit banks to loan out their own
money. Therefore, according to their interpretation, the credit
card banks are the ones running the scam on the American public.
Stay with me here, because the logic is pretty strange. If a
bank cannot lend its own money, how does a credit card bank
extend credit? The claim here is that your credit card
agreement itself becomes a form of money (known as a promissory
note) the moment you sign it. The idea is that the bank
"deposits" your agreement as an asset on their books, and then
any credit you use is offset as a liability against that asset.
In other words, the core concept here is that you literally
borrowed your own money from the credit card bank.
So let's say your balance with ABC Credit Card Bank is $10,000,
which you borrowed against the card to make everyday purchases.
The scam promoters say all you need to do is notify the bank
that you want your original "deposit" back. However, you will
permit the bank to offset the amount you borrowed against the
amount you have on "deposit." Presto! You don't owe the balance
anymore!
Now, as you can imagine, the banks don't take kindly to such
tactics. Many of the consumers using this technique are getting
sued by their creditors. But the scammers have more tricks
available, as if the "smoke and mirrors" financial nonsense
wasn't enough. One of their techniques is the use of bogus
"arbitration" forums. Arbitration is of course a legitimate
system that allows businesses and individuals to resolve
disputes without going to court. What do the scammers do? They
coach people on how to set up a fake arbitration forum, for the
express purpose of making a dispute against their creditors!
Naturally, the creditors will not send representatives to some
non-existent arbitration forum, so the consumer gets to
rubber-stamp their own arbitration award. If they get sued in a
regular court, they present their bogus award to the judge in
the hopes that the creditor's lawsuit will be dismissed.
There are other techniques used by promoters of this scheme,
but the key point to remember is the central claim that your
credit card debt does not really exist. Of course, it's all
nonsense based on a misinterpretation of our monetary system,
and if you step back and think about for a minute, the truth
seems pretty obvious. What these scammers are saying is that
the entire $700 billion credit card industry is operating on an
illegal basis! Even if the legal theory used by the promoters
were true (which it isn't), do you think for a moment the
government would allow this giant industry to go under? That's
exactly what would happen if the promoter's claims were proven
true and used on a widespread basis.
The Federal Trade Commission, which has jurisdiction here,
hasn't stomped on these con artists yet, but it's only a matter
of time. Unfortunately, in the meanwhile, consumers are being
bilked out of millions of dollars for a worthless program that
will only get them into deep trouble with their creditors. If
you are approached by someone offering to wipe away your debts
using this system, I strongly recommend you run in the other
direction while you hold on tightly to your wallet or purse.
Remember, you can eliminate your debts if you take a
disciplined approach to your finances, make a budget and stick
to it, and don't use your credit cards unless you can pay off
new balances in full each month.
Good luck in your financial future!
About the Author: Charles J. Phelan has been helping people
become debt-free without bankruptcy since 1997. A former
executive in the debt settlement industry, he teaches the
do-it-yourself method of debt negotiation. Audio-CD material
plus expert personal coaching helps consumers achieve
professional results at a fraction of the cost.
http://www.zipdebt.com
Source: http://www.isnare.com
Monday, April 16, 2007
Wireless Credit Card Terminal
Wireless Credit Card Processing
By Thomas Morva
Given the hectic work schedules that people keep nowadays, a number of tools have been developed to help people especially business owner who are always on the go to conduct their business from different locations. Some of these tools include wireless Internet connections, and cellular phones. However, there have been recent innovations in these kinds of tools that have made it even easier to conduct business even when people are on the road or in remote locations. One example of this is the wireless merchant account, which allows business owners to accept credit card payments even when they are on the road. The good news is that just like a traditional merchant account, setting up a wireless merchant account is a fairly easy process.
Setting up and using a wireless merchant account
The first step in setting up a wireless merchant account is to find a wireless merchant service provider. One of the best sources of these kinds of service providers is the Internet, where business owners could visit the websites of banks, credit unions, and other financial institutions that provide merchant account services. Usually, the process of applying for a wireless merchant account only takes a few days, which is enough time for the service provider to assess the application.
Once an online business is approved, business owners are given the choice of equipment that they could use to help them use the account. Some examples of these include a credit card processor that could be plugged on any outlet, terminals, and printers, all of which would be very easy to transport and set up. After this, business owners could then use the equipment to accept credit card payments in any location and if they feel that they require more equipment, they could just go to their service provider and get other gadgets like a debit processor or a pager.
Nowadays, wireless technology also extends to credit card processing. This is because today, businesses can set up a wireless merchant account, which would allow them to process credit card payments even when they are on the go. The good news is that setting up this kind of account is a failure easy process that makes possible for almost all business owners conduct their business from anywhere, which can mean higher sales.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Wireless-Credit-Card-Processing&id=253086
By Thomas Morva
Given the hectic work schedules that people keep nowadays, a number of tools have been developed to help people especially business owner who are always on the go to conduct their business from different locations. Some of these tools include wireless Internet connections, and cellular phones. However, there have been recent innovations in these kinds of tools that have made it even easier to conduct business even when people are on the road or in remote locations. One example of this is the wireless merchant account, which allows business owners to accept credit card payments even when they are on the road. The good news is that just like a traditional merchant account, setting up a wireless merchant account is a fairly easy process.
Setting up and using a wireless merchant account
The first step in setting up a wireless merchant account is to find a wireless merchant service provider. One of the best sources of these kinds of service providers is the Internet, where business owners could visit the websites of banks, credit unions, and other financial institutions that provide merchant account services. Usually, the process of applying for a wireless merchant account only takes a few days, which is enough time for the service provider to assess the application.
Once an online business is approved, business owners are given the choice of equipment that they could use to help them use the account. Some examples of these include a credit card processor that could be plugged on any outlet, terminals, and printers, all of which would be very easy to transport and set up. After this, business owners could then use the equipment to accept credit card payments in any location and if they feel that they require more equipment, they could just go to their service provider and get other gadgets like a debit processor or a pager.
Nowadays, wireless technology also extends to credit card processing. This is because today, businesses can set up a wireless merchant account, which would allow them to process credit card payments even when they are on the go. The good news is that setting up this kind of account is a failure easy process that makes possible for almost all business owners conduct their business from anywhere, which can mean higher sales.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Wireless-Credit-Card-Processing&id=253086
Saturday, April 14, 2007
Wireless Credit Card Terminal
Merchant Credit Card Terminals
By Kent Pinkerton
Merchant credit card terminals are electronic devices offering fast, low-cost means to authorize and process credit card transactions. They are very commonly used in retail stores and restaurants. Most merchant credit card terminals accept all major credit, debit, and private-label cards offering low-cost credit card authorization, check guarantee, and data capture for a range of retail applications.
A terminal to process credit cards is a great investment to your business. Most merchant credit card terminals support Internet-based services such as e-mail, electronic signature, interactive electronic coupons, onscreen advertising, cash management reporting, and e-commerce. They make transactions more convenient, faster, and accurate for both customers and merchants.
At first, merchant credit card processing terminals verify your customer's card information. Then they withdraw money for the purchase from the customer?s account and deposit it directly into your merchant account. The most important units of merchant credit card terminals are card readers with a small keypad and display. They require power supply and can communicate through a telephone line. Modern terminals are powered by batteries and can communicate wireless or over the Internet. They come in several sizes and prices.
There are many types of merchant credit card terminals: traditional terminals (with or without printers), wireless terminals, and virtual or software-based terminals. Merchants with a permanent place of business need a basic card reader terminal. In this case, the terminal is placed right on the counter where all transactions take place. For businesses that constantly change locations, a wireless credit card processing terminal is a good choice. It is suitable for merchants who are always on the go.
Millions of merchant credit card terminals ship annually and the majority have the same basic functions and features. It can only be used in combination with a merchant account that processes credit card transactions. Businesses already using credit card terminals need to buy extra equipments to maintain additional services such as debit card transactions and issuing and accepting gift cards. A number of terminals also support additional forms of payment such as electronic bank transfers and phone cards.
Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Merchant-Credit-Card-Terminals&id=353177
By Kent Pinkerton
Merchant credit card terminals are electronic devices offering fast, low-cost means to authorize and process credit card transactions. They are very commonly used in retail stores and restaurants. Most merchant credit card terminals accept all major credit, debit, and private-label cards offering low-cost credit card authorization, check guarantee, and data capture for a range of retail applications.
A terminal to process credit cards is a great investment to your business. Most merchant credit card terminals support Internet-based services such as e-mail, electronic signature, interactive electronic coupons, onscreen advertising, cash management reporting, and e-commerce. They make transactions more convenient, faster, and accurate for both customers and merchants.
At first, merchant credit card processing terminals verify your customer's card information. Then they withdraw money for the purchase from the customer?s account and deposit it directly into your merchant account. The most important units of merchant credit card terminals are card readers with a small keypad and display. They require power supply and can communicate through a telephone line. Modern terminals are powered by batteries and can communicate wireless or over the Internet. They come in several sizes and prices.
There are many types of merchant credit card terminals: traditional terminals (with or without printers), wireless terminals, and virtual or software-based terminals. Merchants with a permanent place of business need a basic card reader terminal. In this case, the terminal is placed right on the counter where all transactions take place. For businesses that constantly change locations, a wireless credit card processing terminal is a good choice. It is suitable for merchants who are always on the go.
Millions of merchant credit card terminals ship annually and the majority have the same basic functions and features. It can only be used in combination with a merchant account that processes credit card transactions. Businesses already using credit card terminals need to buy extra equipments to maintain additional services such as debit card transactions and issuing and accepting gift cards. A number of terminals also support additional forms of payment such as electronic bank transfers and phone cards.
Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Merchant-Credit-Card-Terminals&id=353177
Friday, April 13, 2007
Wireless Credit Card Terminal
Virtual Credit Card Terminals
By Kent Pinkerton
Virtual credit card terminals are the best means for processing credit card payments.
They are perfect for any business that accepts credit card payments by phone, fax or
e-mail. Virtual credit card terminals are a safe, browser-based interface that allows
you to authorize, process, and manage credit card transactions, using any computer
with an Internet connection. You do not need a physical credit card terminal.
As they reduce complexity and expenses, virtual credit card terminals are suitable for
businesses of all sizes. They are commonly used in utility companies, mail order
businesses, call center operations, newspapers and magazines, insurance
companies, charities, and service companies. With virtual credit card terminals, you
can manually enter credit card transactions for mail or phone order sales, refund
money to a customer's credit card, automatically bill customers for recurring charges,
check the status of transactions, run a variety of reports, and capture previously
authorized transaction.
Virtual terminals are software-based credit card terminals enabling you to quickly
capture and authorize credit card transactions in real time. When the process is
complete, the merchant receives an authorization number and the server stores the
transaction details. Transactions are automatically settled at the end of the day and
the reports are generated within two to three business days.
Compared with POS (point of sale) terminals, virtual credit card terminals are very
fast. Other features of virtual credit card terminals include address verification service,
customer and merchant email notifications, recurring payments, and detailed reporting
capabilities. Automatic item sub-total calculation, credit card swipe card option,
automatic tax calculation, automatic shipping calculation, item discount calculator,
billing and shipping data fields, and coupon or rebate calculator are the added features
of virtual credit card terminals.
Unlike other software packages, virtual credit card terminals do not need licensing
fees and fees for upgrades and customer service. The cost is always associated with
authorizing and processing of credit card transactions. Most software-based credit
card terminals utilize flash memory to store the software.
Credit Card Terminals provides detailed information on Credit Card Terminals, Credit
Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing
Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing
Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178
By Kent Pinkerton
Virtual credit card terminals are the best means for processing credit card payments.
They are perfect for any business that accepts credit card payments by phone, fax or
e-mail. Virtual credit card terminals are a safe, browser-based interface that allows
you to authorize, process, and manage credit card transactions, using any computer
with an Internet connection. You do not need a physical credit card terminal.
As they reduce complexity and expenses, virtual credit card terminals are suitable for
businesses of all sizes. They are commonly used in utility companies, mail order
businesses, call center operations, newspapers and magazines, insurance
companies, charities, and service companies. With virtual credit card terminals, you
can manually enter credit card transactions for mail or phone order sales, refund
money to a customer's credit card, automatically bill customers for recurring charges,
check the status of transactions, run a variety of reports, and capture previously
authorized transaction.
Virtual terminals are software-based credit card terminals enabling you to quickly
capture and authorize credit card transactions in real time. When the process is
complete, the merchant receives an authorization number and the server stores the
transaction details. Transactions are automatically settled at the end of the day and
the reports are generated within two to three business days.
Compared with POS (point of sale) terminals, virtual credit card terminals are very
fast. Other features of virtual credit card terminals include address verification service,
customer and merchant email notifications, recurring payments, and detailed reporting
capabilities. Automatic item sub-total calculation, credit card swipe card option,
automatic tax calculation, automatic shipping calculation, item discount calculator,
billing and shipping data fields, and coupon or rebate calculator are the added features
of virtual credit card terminals.
Unlike other software packages, virtual credit card terminals do not need licensing
fees and fees for upgrades and customer service. The cost is always associated with
authorizing and processing of credit card transactions. Most software-based credit
card terminals utilize flash memory to store the software.
Credit Card Terminals provides detailed information on Credit Card Terminals, Credit
Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing
Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing
Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178
Thursday, April 12, 2007
Wireless Credit Card Terminal
Third Party Credit Card Processing
By Thomas Morva
It is hard for a business entrepreneur to obtain an internet merchant account. An internet merchant account holder has to pay for a secure server, expensive credit card processing software, customer service fees, minimum transaction fees, monthly gateway fees etc.
If you are starting a new business, third party credit card processing firms can accept credit card orders on your behalf. For each transaction, the company will charge 3% to 15% of the sales price of each product. For setting up the service, the 3rd party processors usually charge a small one-time fee or sometimes provide free service. Third party credit card processing is recommended only in the starting phase of a business when cash is less and the products for sale are limited in number. Once the business is established and if your funds allow you to purchase an internet merchant account, it is wise to buy one. However, if your gross revenue is less than $650 per month, it is recommended not to set up a gateway/internet merchant account.
You can sign up for third party credit card processing by paying the prescribed fee if any, and get approval. Now you are eligible to create ordering links for your products. These ordering links go to the 3rd party processor's server and they will handle orders for you. The 3rd party processors provide ordering options, which include online checks, credit cards, telephone ordering option, etc. When a deal is through, you will easily get the money due to you, minus the transaction charges.
Third party processing is a great option for non-US businesses; however, if your revenue goes beyond $650 per month, a merchant account would be cost effective compared to 3rd party processing. It would be wise to consult an e-commerce specialist before you make use of this application of e-commerce for your business.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Third-Party-Credit-Card-Processing&id=353161
By Thomas Morva
It is hard for a business entrepreneur to obtain an internet merchant account. An internet merchant account holder has to pay for a secure server, expensive credit card processing software, customer service fees, minimum transaction fees, monthly gateway fees etc.
If you are starting a new business, third party credit card processing firms can accept credit card orders on your behalf. For each transaction, the company will charge 3% to 15% of the sales price of each product. For setting up the service, the 3rd party processors usually charge a small one-time fee or sometimes provide free service. Third party credit card processing is recommended only in the starting phase of a business when cash is less and the products for sale are limited in number. Once the business is established and if your funds allow you to purchase an internet merchant account, it is wise to buy one. However, if your gross revenue is less than $650 per month, it is recommended not to set up a gateway/internet merchant account.
You can sign up for third party credit card processing by paying the prescribed fee if any, and get approval. Now you are eligible to create ordering links for your products. These ordering links go to the 3rd party processor's server and they will handle orders for you. The 3rd party processors provide ordering options, which include online checks, credit cards, telephone ordering option, etc. When a deal is through, you will easily get the money due to you, minus the transaction charges.
Third party processing is a great option for non-US businesses; however, if your revenue goes beyond $650 per month, a merchant account would be cost effective compared to 3rd party processing. It would be wise to consult an e-commerce specialist before you make use of this application of e-commerce for your business.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Third-Party-Credit-Card-Processing&id=353161
Wednesday, April 11, 2007
Wireless Credit Card Terminal
An Introduction To Business Phone Systems
By Alison Cole
Communication is very important in today’s business world. So a business phone system is considered to be one of the most important purchases for a business. While you reach your customers, clients and partners easily through the telephone, it has to also be the easiest way for them to reach you. They are sure to get irritated if routed incorrectly, disconnected or faced with a bewildering array of automated options.
Key systems, Private Branch Exchange (PBX) systems and KSU-less phones are the three types of commercial phone systems available on the market today. You have to choose your system depending on how many extensions and features you need. If your company has more than 40 employees, PBX systems are the best solution. If there are only 5 to 40 employees, then key systems are better. There is some technical difference between these two, but both require professional installation and maintenance. For companies with less than 10 employees, then a KSU-less system meets your needs. These systems are not permanently wired to your office, and can be easily unplugged, moved to a new location or sold. However, make sure that this system is compatible with the telephone wiring in your office. These systems, though inexpensive, are not usually sold or supported by telecom vendors and so you have to do the shopping, installation, programming and maintenance on your own.
When buying your business phone system, make sure that the system is the right size for your office and that it has enough capacity for your current needs while planning for growth. You also have to check the compatibility of the system with other equipment you may already own, like voicemail, messaging on-hold, conferencing equipment and headsets. Two other factors that determine the size of your business phone system are lines, which indicate the total number of outside lines used by the company, and extensions, which refer to the devices in the company that are connected to the phone system: telephones, fax machines, modems, credit-card terminals and modems. Other features you can think of adding to your phone system are the auto attendant, which is a recorded message that answers your phone and instructs callers on reaching specific people in the company. Conferencing features vary on the use of conference calls by the staff, and how many people need to call in. Music on hold is easy, as you just have to plug in a source of music to the business phone system.
Phone Systems provides detailed information on Phone Systems, Business Phone Systems, Phone System Reviews, Phone System Repairs and more. Phone Systems is affiliated with Broadband Phones.
Article Source: http://EzineArticles.com/?expert=Alison_Cole
http://EzineArticles.com/?An-Introduction-To-Business-Phone-Systems&id=273963
By Alison Cole
Communication is very important in today’s business world. So a business phone system is considered to be one of the most important purchases for a business. While you reach your customers, clients and partners easily through the telephone, it has to also be the easiest way for them to reach you. They are sure to get irritated if routed incorrectly, disconnected or faced with a bewildering array of automated options.
Key systems, Private Branch Exchange (PBX) systems and KSU-less phones are the three types of commercial phone systems available on the market today. You have to choose your system depending on how many extensions and features you need. If your company has more than 40 employees, PBX systems are the best solution. If there are only 5 to 40 employees, then key systems are better. There is some technical difference between these two, but both require professional installation and maintenance. For companies with less than 10 employees, then a KSU-less system meets your needs. These systems are not permanently wired to your office, and can be easily unplugged, moved to a new location or sold. However, make sure that this system is compatible with the telephone wiring in your office. These systems, though inexpensive, are not usually sold or supported by telecom vendors and so you have to do the shopping, installation, programming and maintenance on your own.
When buying your business phone system, make sure that the system is the right size for your office and that it has enough capacity for your current needs while planning for growth. You also have to check the compatibility of the system with other equipment you may already own, like voicemail, messaging on-hold, conferencing equipment and headsets. Two other factors that determine the size of your business phone system are lines, which indicate the total number of outside lines used by the company, and extensions, which refer to the devices in the company that are connected to the phone system: telephones, fax machines, modems, credit-card terminals and modems. Other features you can think of adding to your phone system are the auto attendant, which is a recorded message that answers your phone and instructs callers on reaching specific people in the company. Conferencing features vary on the use of conference calls by the staff, and how many people need to call in. Music on hold is easy, as you just have to plug in a source of music to the business phone system.
Phone Systems provides detailed information on Phone Systems, Business Phone Systems, Phone System Reviews, Phone System Repairs and more. Phone Systems is affiliated with Broadband Phones.
Article Source: http://EzineArticles.com/?expert=Alison_Cole
http://EzineArticles.com/?An-Introduction-To-Business-Phone-Systems&id=273963
Tuesday, April 10, 2007
Wireless Credit Card Terminal
Types of Telecom Products
By John Hampton
Welcome to the Internet Revolution, the Age of Technology, and the Era of Telecommunications. Telecommunications (tele-translated from the Greek to mean “distant” and Latin communicare- to participate) is defined as the transmission of information over a line of communication, like that of a telephone, which is carried over a long distance. It may or may not use a modem. The information may be communicated through voice, text, images, or even video via any product that will work, like a fax machine. Any product that enables telecommunication is classified as a Telecom Product.
Since Alexander Graham Bell invented his “electrical speech machine” (now known as the telephone) back in 1876, the telecommunications industry has evolved to include a wide array of products for both business and personal use. Below you will find several different types of telecom products and brief explanations of their different usage.
We’ll begin our mission with the originator- the telephone. Since it’s invention, the device has gotten smaller, portable, and even wireless. Accessories such as answering machines can attach to your phone or phone line for friends, family and/or clients and customers to leave you an important message when you’re unavailable to take a call. All-in-one answering machine/telephone contraptions have gained substantial popularity in recent years as the price dropped with the advancement of technology. Multi-line telephones for busy offices are also becoming more affordable for those who didn’t have the extra funding for such a telecommunications device.
Facsimile machines, also known as “fax” machines for short, take text or images from a piece of paper and transfer the data to another fax machine anywhere in the world via telephone lines. Much like the recent popularity of answering machine/telephone combinations and other telecommunication devices, technology has advanced to bring the price and size down and the convenience of all-in-one equipment for the average consumer. Phone/fax/copy/printer combinations are in a growing number of households across the country and around the globe.
If you have your own business that requires a combination of telecom products, it might be in your best interest to invest in a Voice/Data Line Sharing Device. This port-switching mechanism will allow you to run telephones, fax machines, modems, answering machines, climate control, security monitoring, credit card terminals and poll cash registers without needing a separate line for each.
Finally two-way radios, commonly referred to as “Walkie-Talkies”, are yet another device that falls into the category of telecom products. And yes, just like all of the other products we’ve covered, the price and size have dropped while the technology expanded. In fact, there are two-way radios that can communicate with each other from as far away as 6 miles depending on the area and terrain. Multiple units that run on the same frequency work quite well for large fleets after they are cloned for synchronization. LCD screens make for some easy programming by all.
John Hampton recommends that you visit http://www.sjtelecommunications.com/ for more information on Telecom Products.
Article Source: http://EzineArticles.com/?expert=John_Hampton
http://EzineArticles.com/?Types-of-Telecom-Products&id=398755
By John Hampton
Welcome to the Internet Revolution, the Age of Technology, and the Era of Telecommunications. Telecommunications (tele-translated from the Greek to mean “distant” and Latin communicare- to participate) is defined as the transmission of information over a line of communication, like that of a telephone, which is carried over a long distance. It may or may not use a modem. The information may be communicated through voice, text, images, or even video via any product that will work, like a fax machine. Any product that enables telecommunication is classified as a Telecom Product.
Since Alexander Graham Bell invented his “electrical speech machine” (now known as the telephone) back in 1876, the telecommunications industry has evolved to include a wide array of products for both business and personal use. Below you will find several different types of telecom products and brief explanations of their different usage.
We’ll begin our mission with the originator- the telephone. Since it’s invention, the device has gotten smaller, portable, and even wireless. Accessories such as answering machines can attach to your phone or phone line for friends, family and/or clients and customers to leave you an important message when you’re unavailable to take a call. All-in-one answering machine/telephone contraptions have gained substantial popularity in recent years as the price dropped with the advancement of technology. Multi-line telephones for busy offices are also becoming more affordable for those who didn’t have the extra funding for such a telecommunications device.
Facsimile machines, also known as “fax” machines for short, take text or images from a piece of paper and transfer the data to another fax machine anywhere in the world via telephone lines. Much like the recent popularity of answering machine/telephone combinations and other telecommunication devices, technology has advanced to bring the price and size down and the convenience of all-in-one equipment for the average consumer. Phone/fax/copy/printer combinations are in a growing number of households across the country and around the globe.
If you have your own business that requires a combination of telecom products, it might be in your best interest to invest in a Voice/Data Line Sharing Device. This port-switching mechanism will allow you to run telephones, fax machines, modems, answering machines, climate control, security monitoring, credit card terminals and poll cash registers without needing a separate line for each.
Finally two-way radios, commonly referred to as “Walkie-Talkies”, are yet another device that falls into the category of telecom products. And yes, just like all of the other products we’ve covered, the price and size have dropped while the technology expanded. In fact, there are two-way radios that can communicate with each other from as far away as 6 miles depending on the area and terrain. Multiple units that run on the same frequency work quite well for large fleets after they are cloned for synchronization. LCD screens make for some easy programming by all.
John Hampton recommends that you visit http://www.sjtelecommunications.com/ for more information on Telecom Products.
Article Source: http://EzineArticles.com/?expert=John_Hampton
http://EzineArticles.com/?Types-of-Telecom-Products&id=398755
Monday, April 9, 2007
Wireless Credit Card Terminal
Small Business Credit Card Processing
By Thomas Morva
Credit card payment is one of the most popular payment options on the Internet. If you own a small business and do not have a merchant account, you might find it difficult to accept credit cards. However, it is advisable to find a means to accept credit cards on your website because it is the best way to expand your customer base. Moreover, the money transaction will take place within a week.
Small businesses can accept credit cards through 3rd party processors, who will handle the entire processing. For the small business community where cash flow is less or sometimes tight, this is a most welcome alternative. Credit card processing is not very cheap. A standard fee schedule for a small-volume account with less than 1,000 monthly transactions would be a start up fee of around $200, and monthly processing fees of $20.
If you have your own website, secure and encrypted connections are the foremost requirement you need for safe credit card processing. You should also have fraud prevention tools to prevent credit card scams.
Credit card processors whom small business owners can rely on are of several types; banks are the most dependable though. Third party credit card processing companies, independent sales organizations, financial service providers, etc. act as credit card processors. While there are several credit card processing companies, the two important factors that one should look at before setting up an agreement would be "price" and "customer service potentiality" of the credit card processors.
The merchant account provider you sign up with, might require an assurance that you have a thorough knowledge of your business environment, can identify the possible risks, know how to prevent or reduce fraud etc.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Small-Business-Credit-Card-Processing&id=353160
By Thomas Morva
Credit card payment is one of the most popular payment options on the Internet. If you own a small business and do not have a merchant account, you might find it difficult to accept credit cards. However, it is advisable to find a means to accept credit cards on your website because it is the best way to expand your customer base. Moreover, the money transaction will take place within a week.
Small businesses can accept credit cards through 3rd party processors, who will handle the entire processing. For the small business community where cash flow is less or sometimes tight, this is a most welcome alternative. Credit card processing is not very cheap. A standard fee schedule for a small-volume account with less than 1,000 monthly transactions would be a start up fee of around $200, and monthly processing fees of $20.
If you have your own website, secure and encrypted connections are the foremost requirement you need for safe credit card processing. You should also have fraud prevention tools to prevent credit card scams.
Credit card processors whom small business owners can rely on are of several types; banks are the most dependable though. Third party credit card processing companies, independent sales organizations, financial service providers, etc. act as credit card processors. While there are several credit card processing companies, the two important factors that one should look at before setting up an agreement would be "price" and "customer service potentiality" of the credit card processors.
The merchant account provider you sign up with, might require an assurance that you have a thorough knowledge of your business environment, can identify the possible risks, know how to prevent or reduce fraud etc.
Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.
Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Small-Business-Credit-Card-Processing&id=353160
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