Selecting Small Business Phone Systems
By Ocha Nix
With the many different small business phone systems, manufacturers and dealers, it can be a daunting task for small business owners to select the right small business phone system to suit their growing business.
There are a few things that should be considered when selecting small business phone systems to insure you get the right one for you.
First, get a head count of all the employees that will need an outside line. How many of the employees will need to have access to the small business phone system. You also need to add the number of lines you will need for the fax machines, credit card terminals and modems. These all play a part in selecting small business phone systems. If there are less than 10 employees, you should consider an off the shelf small business phone system which will result in considerable savings. When selecting small business phone systems for a staff of more than 40, you may consider the PBX small business phone system. These are now small enough to fit on a desk top.
Next when selecting small business phone systems, you need to forecast your business needs for the future. Determine where your business will be in 3 to 5 years from now. Selecting small business phone systems with this in mind can save lots of headaches and money if you don’t have to upgrade sooner than you expect. Another consideration when selecting small business phone systems, many installers and dealers suggest, double the wiring needed to be prepared for future expansions.
Maybe Voice over IP should also be considered when selecting small business phone systems. This technology allows businesses to place and receive calls using the Internet, which offers potential cost savings.
As you are reviewing small business phone systems for your business, you may want to consider buying second hand phone systems or posibily renting. Many companies change small business phone systems for lots of reasons other than being outdated. There are dealers that specialize in selling refurbished small business phone systems and related equipment.
Another consideration when selecting small business phone systems, is to buy at the end of a quarter. Many sales people are needing to hit their quotas and you can often times get a substantial discount on a new small business phone system.
Lastly, when selecting a small business phone system, consider the dealer and pick one with an outstanding reputation not only for the sale, but for maintenance, and service of your new small business phone system. Be sure, as you are selecting small business phone systems, that the one you choose is compatible with your requirements and the dealer has extensive knowledge of your new small business phone system.
http://www.infoesource.com/sbphonesyst.html
Ocha has been in sales and sales management for over 24 years. He is currently in marketing and support in the distribution industry.
http://www.infoworthsharing.com
Article Source: http://EzineArticles.com/?expert=Ocha_Nix
http://EzineArticles.com/?Selecting-Small-Business-Phone-Systems&id=492858
With the many different small business phone systems, manufacturers and dealers, it can be a daunting task for small business owners to select the right small business phone system to suit their growing business.
Monday, May 14, 2007
Saturday, May 12, 2007
Credit Card Processing
Why You Need To Keep Your Credit Card Secure
By Joseph Kenny
Automated teller machines (ATM) are a great invention. They are an easy way to get cash out of your account 24 hours a day. But you may not be the only person raiding your account. If you're not careful, someone could steal your person and financial information and leave you in financial trouble.
Some identity fraudsters use special machines to 'skim' card details from ATMs and other card machines. They then use these details to clone your credit card, which they can use until the credit limit has been used up or exceeded. Another option for identity fraudsters is to get hold of your ATM receipt. This may have card details which they can use for the same purpose.
Stealing Your Identity
Identity theft is the theft of personal information which can be used to identify someone. This is used to commit identity fraud by obtaining goods or services under a fake name or creating a whole new identity. Often, the theft of just one piece of identifying information is enough to give fraudsters access to the rest.
For example, identity fraudsters could steal your purse or wallet. In addition to cash, your purse or wallet may have a debit card, a credit card or a driver's licence. The driver's licence has your name, address and date of birth. These details can be used to apply for credit cards, loans, services, goods and even benefits. The same information may be stolen through burglary, mail theft or redirection, or computer hacking.
Are You A Victim Of Identity Theft?
There are many ways that you can tell that you might be a victim of identity theft – and some of them don't seem to have much to do with your finances. For example, if you find that people are tampering with your rubbish, this may not just be a social nuisance. Instead, it could mean that someone is going through your leavings looking for credit card and bank statements, official letters and more. If your post goes missing, this could be another sign of planned identity fraud.
Other signs are getting bills, invoices or receipts for things you haven't ordered. You should also look out for unexplained transactions on your credit card statement. And if solicitors or debt collectors are chasing you for debts that aren't yours, it may be time to investigate what's really going on. Too much of this and you could find that you get turned down for credit in spite of having a spotless record.
Protection Against Identity Theft
You don't have to take this lying down. First of all, get a copy of your credit file from Experian or Equifax. This will let you know if people are using your details to apply for credit.
If personal information or belongings are lost or stolen, report these to the relevant authorities immediately. This is particularly important with passports, driving licences, credit cards and bank cards. The sooner you report these, the sooner they can track where and when they are being used.
Keep passwords and PINs secure and don't tell them to anyone. Shred unwanted credit card or bank statements, ATM receipts and so on. That way no-one can use them to steal your personal information. Anything that you do want to keep should be locked away somewhere safe. That can be a drawer or safe or even a safety deposit box at your bank.
Finally, when you move house, get your mail redirected and let banks and credit card companies know when you move house. This will make it more difficult for a fraudster to steal your letters and your identity.
Joseph Kenny writes for the Card Guide, a site where visitors can compare credit cards. FinanceFool.co.uk offers more deals on UK credit cards.
Visit today http://www.cardguide.co.uk
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?Why-You-Need-To-Keep-Your-Credit-Card-Secure&id=286591
Automated teller machines (ATM) are a great invention. They are an easy way to get cash out of your account 24 hours a day. But you may not be the only person raiding your account.
By Joseph Kenny
Automated teller machines (ATM) are a great invention. They are an easy way to get cash out of your account 24 hours a day. But you may not be the only person raiding your account. If you're not careful, someone could steal your person and financial information and leave you in financial trouble.
Some identity fraudsters use special machines to 'skim' card details from ATMs and other card machines. They then use these details to clone your credit card, which they can use until the credit limit has been used up or exceeded. Another option for identity fraudsters is to get hold of your ATM receipt. This may have card details which they can use for the same purpose.
Stealing Your Identity
Identity theft is the theft of personal information which can be used to identify someone. This is used to commit identity fraud by obtaining goods or services under a fake name or creating a whole new identity. Often, the theft of just one piece of identifying information is enough to give fraudsters access to the rest.
For example, identity fraudsters could steal your purse or wallet. In addition to cash, your purse or wallet may have a debit card, a credit card or a driver's licence. The driver's licence has your name, address and date of birth. These details can be used to apply for credit cards, loans, services, goods and even benefits. The same information may be stolen through burglary, mail theft or redirection, or computer hacking.
Are You A Victim Of Identity Theft?
There are many ways that you can tell that you might be a victim of identity theft – and some of them don't seem to have much to do with your finances. For example, if you find that people are tampering with your rubbish, this may not just be a social nuisance. Instead, it could mean that someone is going through your leavings looking for credit card and bank statements, official letters and more. If your post goes missing, this could be another sign of planned identity fraud.
Other signs are getting bills, invoices or receipts for things you haven't ordered. You should also look out for unexplained transactions on your credit card statement. And if solicitors or debt collectors are chasing you for debts that aren't yours, it may be time to investigate what's really going on. Too much of this and you could find that you get turned down for credit in spite of having a spotless record.
Protection Against Identity Theft
You don't have to take this lying down. First of all, get a copy of your credit file from Experian or Equifax. This will let you know if people are using your details to apply for credit.
If personal information or belongings are lost or stolen, report these to the relevant authorities immediately. This is particularly important with passports, driving licences, credit cards and bank cards. The sooner you report these, the sooner they can track where and when they are being used.
Keep passwords and PINs secure and don't tell them to anyone. Shred unwanted credit card or bank statements, ATM receipts and so on. That way no-one can use them to steal your personal information. Anything that you do want to keep should be locked away somewhere safe. That can be a drawer or safe or even a safety deposit box at your bank.
Finally, when you move house, get your mail redirected and let banks and credit card companies know when you move house. This will make it more difficult for a fraudster to steal your letters and your identity.
Joseph Kenny writes for the Card Guide, a site where visitors can compare credit cards. FinanceFool.co.uk offers more deals on UK credit cards.
Visit today http://www.cardguide.co.uk
Article Source: http://EzineArticles.com/?expert=Joseph_Kenny
http://EzineArticles.com/?Why-You-Need-To-Keep-Your-Credit-Card-Secure&id=286591
Automated teller machines (ATM) are a great invention. They are an easy way to get cash out of your account 24 hours a day. But you may not be the only person raiding your account.
Friday, May 11, 2007
Credit Card Processing
Requirement of a Credit Card Processing Service in Business by Michael Braganza
Today more and more people are using the Internet and the number of older users is increasing fast. The internet is becoming an important source of news and information. With the popularity and widespread usage of Internet, the popularity of ecommerce business is also spreading like a wildfire.
To get by any ecommerce business or online business or set up retail storefront successfully, Internet credit card processing service plays a very important role. If your ecommerce business is still not laced with Online Merchant Account or credit card merchant services, consider getting one without wasting any more precious seconds. Only then you will conduct online ecommerce business successfully. Because Internet credit card processing service is the best way to process clients' payment online.
First of all we discuss about what online merchant credit card services are and how It work? An online merchant credit card services is a service that facilitates you to make payments or accept payments online for you. Online credit card merchant services work through online merchant account that is provided by a bank. These services allow you to make or receive credit card payments through Internet. Being laced with merchant Solutions services can be extremely beneficial and fruitful to your ecommerce business because it allows your visitors and customers to easily make payments.
Now we discuss about what Internet credit card processing is? It is a process of getting the authorization of a credit purchase when ordering online. Generally Internet credit card processing requires three components - a payment gateway, an online merchant account and a credit card processing company. On the type of online merchant account it may also require various equipments such as; credit card machines, computers, hypercom terminal, pin pad and related software.
Now we describe in brief about merchant credit card services provider and choosing a reliable service provider. There are a number of merchant credit card services providers in the market. But you ought to take precautions before selecting one of them. Accepting credit cards can be risky and can you make suffering with paying high priced services on Credit card receivables terminal that your business does not in need of, and force to pay high monthly fees if precautions are not observed in choosing a reliable Internet credit card processing services provider.
A reliable Internet credit card payment processing service provider that is versatile in nature can assist your ecommerce businesses in increasing their sales. It offers security protection by using modern technology and assures you and your clients to be tension free for the duration of the transaction and when the credit card information is being processed. By hiring a good service provider you can accept all forms of payments and accept credit card anywhere and anytime. At last we want to say the always go with a good merchant solutions provider and appropriate equipments and related software.
About the Author
Michael Braganza is an eminent analyst and writer in Software and Technology related topics. He has authored many books on Technology and Online Merchant Account Services like Merchant credit card services Now he is rendering his services to http://www.themerchantsolutions.com/
Today more and more people are using the Internet and the number of older users is increasing fast. The internet is becoming an important source of news and information. With the popularity and widespread usage of Internet, the popularity of ecommerce business is also spreading like a wildfire.
To get by any ecommerce business or online business or set up retail storefront successfully, Internet credit card processing service plays a very important role. If your ecommerce business is still not laced with Online Merchant Account or credit card merchant services, consider getting one without wasting any more precious seconds. Only then you will conduct online ecommerce business successfully. Because Internet credit card processing service is the best way to process clients' payment online.
First of all we discuss about what online merchant credit card services are and how It work? An online merchant credit card services is a service that facilitates you to make payments or accept payments online for you. Online credit card merchant services work through online merchant account that is provided by a bank. These services allow you to make or receive credit card payments through Internet. Being laced with merchant Solutions services can be extremely beneficial and fruitful to your ecommerce business because it allows your visitors and customers to easily make payments.
Now we discuss about what Internet credit card processing is? It is a process of getting the authorization of a credit purchase when ordering online. Generally Internet credit card processing requires three components - a payment gateway, an online merchant account and a credit card processing company. On the type of online merchant account it may also require various equipments such as; credit card machines, computers, hypercom terminal, pin pad and related software.
Now we describe in brief about merchant credit card services provider and choosing a reliable service provider. There are a number of merchant credit card services providers in the market. But you ought to take precautions before selecting one of them. Accepting credit cards can be risky and can you make suffering with paying high priced services on Credit card receivables terminal that your business does not in need of, and force to pay high monthly fees if precautions are not observed in choosing a reliable Internet credit card processing services provider.
A reliable Internet credit card payment processing service provider that is versatile in nature can assist your ecommerce businesses in increasing their sales. It offers security protection by using modern technology and assures you and your clients to be tension free for the duration of the transaction and when the credit card information is being processed. By hiring a good service provider you can accept all forms of payments and accept credit card anywhere and anytime. At last we want to say the always go with a good merchant solutions provider and appropriate equipments and related software.
About the Author
Michael Braganza is an eminent analyst and writer in Software and Technology related topics. He has authored many books on Technology and Online Merchant Account Services like Merchant credit card services Now he is rendering his services to http://www.themerchantsolutions.com/
Thursday, May 10, 2007
Credit Card Processing
Credit Card Offers - Navigating Through The Choices
By Max Anderson
Credit card offers aren't exactly a rare occurence. In fact, many people are bombarded by multiple credit card offers each and every day. The question is, how do you know which credit card offers are the good ones and which ones should be thrown in the trash (after being shredded of course)? Follow these seven bits of advice.
1. What Does "Pre-Qualified" Really Mean?
First things first -- when you get those credit card offers in the mail that say you're "pre-qualified," it does not mean that you've been approved for the credit card that is being offered. You still have to apply for the card (and have your credit history run) before you'll actually be approved.
Many people have gotten frustrated because they respond to a "pre-qualified" offer only to find out they're not really approved.
Don't take it personally. "Pre-qualified" credit card offers are nothing more than a marketing gimmick.
2. The Razzle, The Dazzle and Then The Punch
When you see credit card offers touting very low interest rates (or even no interest at all), try to remember that these are "teaser" rates that will eventually go up (and may go up drastically). The credit card offer may still be a good deal, but that all really depends on what the interest goes up to after the introductory period.
Before jumping to apply for a low-interest credit card offer, see what the interest rate is really going to be after the introductory period is over.
3. Keep The Perks In Perspective
Many credit card offers include perks such as points or cash back that can be earned with each purchase. Remember, these perks may not be as great as they first appear.
A credit card with rewards attached also usually has a higher interest rate attached as well. If you carry a high balance on your credit cards, those perks are going to cost you big time.
4. It's Not About the Prize
Some of the credit card offers we receive don't even come by mail -- they come during checkout at the local store. Oftentimes, these credit card offers have a one-time discount attached, such as 10 to 15 percent off your total purchase if you apply on the spot (and approval is instant as well).
If you think it's a good idea to open a credit card to get the discount and then close the account afterwards, that's really not such a great concept. A part of your credit score is determined by how long you keep relationships with your creditors. If you have a history of opening accounts and then quickly closing them, it's going to impact your creditworthiness in the eyes of lenders.
5. What You Shouldn't Settle For
The credit card industry is definitely competitive. Because of this, you should never respond to credit card offers that require an annual fee or a "processing" fee (unless you have problems with your credit history).
If a credit card company requires an annual fee or charges you for processing your application, go elsewhere for your credit card needs. There are a number of credit card companies who will welcome your business (and won't make you pay extra for the privilege).
6. Seek Them Out
If you're not happy with the credit card offers you're being solicited with, it doesn't mean there isn't a credit card out there to meet your needs. You may just need to look a little harder.
There are hundreds of different credit cards available and finding the one that is right for you may just be a matter of doing a little online research. Many consumers turn to the web to find the credit card offers that are perfect for them.
7. Seek and Destroy
After you have reviewed a credit card offer, what do you do with it? I'll tell you what you should be doing.
Make sure you shred each of the credit card offers you receive before throwing them in the trash or you may find yourself becoming the next victim of identity theft.
Those credit card offers that infest your mailbox are also an identity theft criminal's best friend. If you don't want those credit card offers falling into the wrong hands, make sure you dispose of them properly.
By taking the above advice into consideration when dealing with credit card offers, not only will you be able to find the credit card that's right for you, but you'll also be able to avoid making a mistake due to credit card confusion.
For more tips on getting the best credit card, saving money and avoiding getting ripped off - a website that specializes in providing credit card tips, advice and resources.
Article Source: http://EzineArticles.com/?expert=Max_Anderson
http://EzineArticles.com/?Credit-Card-Offers---Navigating-Through-The-Choices&id=499883
Whether you have great credit, bad credit or any credit rating in between, chances are you've received more than your fair share of credit card offers. The question is, which credit card offers are the real deal and which are selling nothing more than pie-in-the-sky stories with hefty costs attached? If you want to know the difference between the good, the bad and the ugly, check this out.
By Max Anderson
Credit card offers aren't exactly a rare occurence. In fact, many people are bombarded by multiple credit card offers each and every day. The question is, how do you know which credit card offers are the good ones and which ones should be thrown in the trash (after being shredded of course)? Follow these seven bits of advice.
1. What Does "Pre-Qualified" Really Mean?
First things first -- when you get those credit card offers in the mail that say you're "pre-qualified," it does not mean that you've been approved for the credit card that is being offered. You still have to apply for the card (and have your credit history run) before you'll actually be approved.
Many people have gotten frustrated because they respond to a "pre-qualified" offer only to find out they're not really approved.
Don't take it personally. "Pre-qualified" credit card offers are nothing more than a marketing gimmick.
2. The Razzle, The Dazzle and Then The Punch
When you see credit card offers touting very low interest rates (or even no interest at all), try to remember that these are "teaser" rates that will eventually go up (and may go up drastically). The credit card offer may still be a good deal, but that all really depends on what the interest goes up to after the introductory period.
Before jumping to apply for a low-interest credit card offer, see what the interest rate is really going to be after the introductory period is over.
3. Keep The Perks In Perspective
Many credit card offers include perks such as points or cash back that can be earned with each purchase. Remember, these perks may not be as great as they first appear.
A credit card with rewards attached also usually has a higher interest rate attached as well. If you carry a high balance on your credit cards, those perks are going to cost you big time.
4. It's Not About the Prize
Some of the credit card offers we receive don't even come by mail -- they come during checkout at the local store. Oftentimes, these credit card offers have a one-time discount attached, such as 10 to 15 percent off your total purchase if you apply on the spot (and approval is instant as well).
If you think it's a good idea to open a credit card to get the discount and then close the account afterwards, that's really not such a great concept. A part of your credit score is determined by how long you keep relationships with your creditors. If you have a history of opening accounts and then quickly closing them, it's going to impact your creditworthiness in the eyes of lenders.
5. What You Shouldn't Settle For
The credit card industry is definitely competitive. Because of this, you should never respond to credit card offers that require an annual fee or a "processing" fee (unless you have problems with your credit history).
If a credit card company requires an annual fee or charges you for processing your application, go elsewhere for your credit card needs. There are a number of credit card companies who will welcome your business (and won't make you pay extra for the privilege).
6. Seek Them Out
If you're not happy with the credit card offers you're being solicited with, it doesn't mean there isn't a credit card out there to meet your needs. You may just need to look a little harder.
There are hundreds of different credit cards available and finding the one that is right for you may just be a matter of doing a little online research. Many consumers turn to the web to find the credit card offers that are perfect for them.
7. Seek and Destroy
After you have reviewed a credit card offer, what do you do with it? I'll tell you what you should be doing.
Make sure you shred each of the credit card offers you receive before throwing them in the trash or you may find yourself becoming the next victim of identity theft.
Those credit card offers that infest your mailbox are also an identity theft criminal's best friend. If you don't want those credit card offers falling into the wrong hands, make sure you dispose of them properly.
By taking the above advice into consideration when dealing with credit card offers, not only will you be able to find the credit card that's right for you, but you'll also be able to avoid making a mistake due to credit card confusion.
For more tips on getting the best credit card, saving money and avoiding getting ripped off - a website that specializes in providing credit card tips, advice and resources.
Article Source: http://EzineArticles.com/?expert=Max_Anderson
http://EzineArticles.com/?Credit-Card-Offers---Navigating-Through-The-Choices&id=499883
Whether you have great credit, bad credit or any credit rating in between, chances are you've received more than your fair share of credit card offers. The question is, which credit card offers are the real deal and which are selling nothing more than pie-in-the-sky stories with hefty costs attached? If you want to know the difference between the good, the bad and the ugly, check this out.
Wednesday, May 9, 2007
Credit Card Processing
The Cost of Leasing a Credit Card Machine by iliusion
Scott Burke; President of iMAX Business Solutions in charge of sales, strategy, and execution and thus is responsible for managing all aspects of the company's marketing, communications, new accounts, and support. scott@cmscreditcards.com
ARTICLE: The Cost of Leasing a Credit Card Machine
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.
http://www.cmscreditcards.com
About the Author
Scott runs a website CMS Credit Cards
Scott Burke; President of iMAX Business Solutions in charge of sales, strategy, and execution and thus is responsible for managing all aspects of the company's marketing, communications, new accounts, and support. scott@cmscreditcards.com
ARTICLE: The Cost of Leasing a Credit Card Machine
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.
http://www.cmscreditcards.com
About the Author
Scott runs a website CMS Credit Cards
Tuesday, May 8, 2007
Credit Card Processing
The Purpose of a Credit Card Processing Company
By: Jim Saka
If you want to accept credit card payments on your website, you need to engage the services of a credit card processing company. What these companies do is process the credit card payments that generate from your site including following through on approvals or denials so that your shipping department knows what to ship. The credit card processing company notifies the company by email when they have received an authorization from the credit card issuer as well as notify them if the sale is declined.
Using the services of a credit card processing company can save you a great deal of time because you will not have to worry about obtaining authorizations or making sure that the payments are credited to your bank account as your processing agent takes care of all of that for you. Of course, you will pay for credit card processing, but the extra sales you can make because of your ability to accept credit cards online will make it worth the cost. Without the ability to accept credit card payments, you limit yourself to the methods of payment you can accept, meaning you have to wait for your customers to mail a check or money order. The problem with this antiquated way of accepting payments is that your customer will not likely be receptive to it and will go elsewhere to shop.
You do not want to accept the services of just anyone who offers credit card processing, but you want to do some research and locate the one who best suits your needs. Each company has its own set of fees per transaction in addition to whatever the card issuer charges for the transaction fee, which is a percentage of the sale. In addition, you want to ,make sure that the credit card processing services meets your needs for volume and type of payment options you desire including debit card processing. After all, credit card processing is to help with your business, so the processing company you choose must be willing to work with you and develop a program that best suits your needs and those of your customers. They must be able to customize your services so that you have the most important payment options for the type of merchandise you sell.
Why bother with a credit card processing company? You could, realistically, bypass the credit card processing company and manually process your credit card payments, but it would take a credit deal of time. This would mean calling for authorization and filling out the forms and submitting them to your bank the way it was done before the Internet became a big issue. Even with the use of credit card terminals, a merchant had to close out his sales for the day, and write a deposit slip for send to his bank. Credit card processing has changed all of that, thus eliminating a great deal of time, effort, and paperwork on the part of the merchant. Saving time and money means more income potential for the merchant as well as more time to devote to the customers.
Copyright (c) 2006 Jim Saka
Article Source: http://www.ApprovedArticles.com
For more information about Jim Saka or to find out how your business can can benefit from accepting credit cards online or at a place of business visit United Bank Card PS at www.unitedbankcardps.com
By: Jim Saka
If you want to accept credit card payments on your website, you need to engage the services of a credit card processing company. What these companies do is process the credit card payments that generate from your site including following through on approvals or denials so that your shipping department knows what to ship. The credit card processing company notifies the company by email when they have received an authorization from the credit card issuer as well as notify them if the sale is declined.
Using the services of a credit card processing company can save you a great deal of time because you will not have to worry about obtaining authorizations or making sure that the payments are credited to your bank account as your processing agent takes care of all of that for you. Of course, you will pay for credit card processing, but the extra sales you can make because of your ability to accept credit cards online will make it worth the cost. Without the ability to accept credit card payments, you limit yourself to the methods of payment you can accept, meaning you have to wait for your customers to mail a check or money order. The problem with this antiquated way of accepting payments is that your customer will not likely be receptive to it and will go elsewhere to shop.
You do not want to accept the services of just anyone who offers credit card processing, but you want to do some research and locate the one who best suits your needs. Each company has its own set of fees per transaction in addition to whatever the card issuer charges for the transaction fee, which is a percentage of the sale. In addition, you want to ,make sure that the credit card processing services meets your needs for volume and type of payment options you desire including debit card processing. After all, credit card processing is to help with your business, so the processing company you choose must be willing to work with you and develop a program that best suits your needs and those of your customers. They must be able to customize your services so that you have the most important payment options for the type of merchandise you sell.
Why bother with a credit card processing company? You could, realistically, bypass the credit card processing company and manually process your credit card payments, but it would take a credit deal of time. This would mean calling for authorization and filling out the forms and submitting them to your bank the way it was done before the Internet became a big issue. Even with the use of credit card terminals, a merchant had to close out his sales for the day, and write a deposit slip for send to his bank. Credit card processing has changed all of that, thus eliminating a great deal of time, effort, and paperwork on the part of the merchant. Saving time and money means more income potential for the merchant as well as more time to devote to the customers.
Copyright (c) 2006 Jim Saka
Article Source: http://www.ApprovedArticles.com
For more information about Jim Saka or to find out how your business can can benefit from accepting credit cards online or at a place of business visit United Bank Card PS at www.unitedbankcardps.com
Friday, May 4, 2007
Credit Card Processing
Taking Advantage Of The Best Credit Card Offers by Mario Churchill
Do you own a credit card? If you do, then you must be familiar about the numerous promotions and programs that are currently on hold to motivate you more to use your credit card for many important transactions.
Credit cards are the modern money. You could buy food, shop for groceries and pay services bill using your reliable credit card. Furthermore, if you aim to buy goods and services from the many online auctioneers and shops, the credit card would be the sole way on how you could proceed with the transaction.
Almost all people are now having a single or several credit cards. Because people recognize the advantage of not needing to take cash when going out to shop, more and more people are aiming to own one, if they still do not own a credit card.
If you also do not have enough money to buy anything, you could also buy the item by charging the amount to your credit card. There are many installment promotions and pay-light offerings that are being rolled out by credit card firms for their clients.
Nowadays, credit cards are also being used for money-advance or loans. Through using credit cards, you could easily withdraw cash from the ATM and have it as a cash-advance or loan. You could opt to pay the amount in full or opt to pay in installment terms.
Credit cards sure impose interest rates on every transaction coursed through the card, but did you know that you could skip the usual rates? If you do not want you r purchase to be imposed interest charges, then you must pay the bill on time and in full. By doing that, you are like paying for the item for its original tag price and there would be no credit card charge at all.
Almost all people nowadays own their own credit cards. And for those who still do not, they swoon to own one. There is now an exciting landscape in the credit card industry and competition is truly becoming more intense.
Every credit card firm is surely doing anything it could to outpace rivals and get the most of the market. As a result, there are numerous credit card offerings that are almost too attractive just to be ignored by the consumers. Some of these offers are also so attractive that some people open credit card accounts just to participate and enjoy them.
Modern credit card offers
Just to dominate in the expanding credit card market, credit card products are now coming with different offers aimed at attracting more users. A credit card can now offer subsidies or waived interests just to boost client numbers. That is the power of competition.
Aside from the usual charging waives, several credit card firms also offer more. The cash advance service is one of them. Through cash advance transactions, people can just withdraw money using the credit card. The amount would be treated as usual credit card transaction and could be paid in full and on time to prevent imposition of interest and other additional charges.
Credit cards can now be used to pay different bills, like utilities, telephone and other consumer services. Through using accredited and recommended automated teller machines, proper payment of bills can be done using the credit cards.
Almost all credit card firms are also currently offering different rewards schemes to loyal clients. These schemes work by motivating customers to use the credit cards through different forms of transactions. Through using the credit cards, there are corresponding points assigned to each transaction. The more points you earn, the more chance you get at having the rewards.
Nowadays, the most popular reward schemes are those that are related to air travel. Different miles points or flying reward schemes are now offered to credit card users. However, the program is not applicable to ordinary credit cards.
There are special credit cards that offer the frequent-flyer rewards. You are advised to apply specifically for such a scheme. If the current and usual credit cards are offering waived annual fees, for the frequent flyer and other reward schemes, these annual and membership fees are not waived.
That is the premium you would pay for taking part and getting a chance to have these many offers credit cards can provide.
About the Author
Mario Churchill is a freelance author and has written many articles on various subjects. If you looking to apply for credit card rewards offers or to just apply for a credit card online checkout his w
Do you own a credit card? If you do, then you must be familiar about the numerous promotions and programs that are currently on hold to motivate you more to use your credit card for many important transactions.
Credit cards are the modern money. You could buy food, shop for groceries and pay services bill using your reliable credit card. Furthermore, if you aim to buy goods and services from the many online auctioneers and shops, the credit card would be the sole way on how you could proceed with the transaction.
Almost all people are now having a single or several credit cards. Because people recognize the advantage of not needing to take cash when going out to shop, more and more people are aiming to own one, if they still do not own a credit card.
If you also do not have enough money to buy anything, you could also buy the item by charging the amount to your credit card. There are many installment promotions and pay-light offerings that are being rolled out by credit card firms for their clients.
Nowadays, credit cards are also being used for money-advance or loans. Through using credit cards, you could easily withdraw cash from the ATM and have it as a cash-advance or loan. You could opt to pay the amount in full or opt to pay in installment terms.
Credit cards sure impose interest rates on every transaction coursed through the card, but did you know that you could skip the usual rates? If you do not want you r purchase to be imposed interest charges, then you must pay the bill on time and in full. By doing that, you are like paying for the item for its original tag price and there would be no credit card charge at all.
Almost all people nowadays own their own credit cards. And for those who still do not, they swoon to own one. There is now an exciting landscape in the credit card industry and competition is truly becoming more intense.
Every credit card firm is surely doing anything it could to outpace rivals and get the most of the market. As a result, there are numerous credit card offerings that are almost too attractive just to be ignored by the consumers. Some of these offers are also so attractive that some people open credit card accounts just to participate and enjoy them.
Modern credit card offers
Just to dominate in the expanding credit card market, credit card products are now coming with different offers aimed at attracting more users. A credit card can now offer subsidies or waived interests just to boost client numbers. That is the power of competition.
Aside from the usual charging waives, several credit card firms also offer more. The cash advance service is one of them. Through cash advance transactions, people can just withdraw money using the credit card. The amount would be treated as usual credit card transaction and could be paid in full and on time to prevent imposition of interest and other additional charges.
Credit cards can now be used to pay different bills, like utilities, telephone and other consumer services. Through using accredited and recommended automated teller machines, proper payment of bills can be done using the credit cards.
Almost all credit card firms are also currently offering different rewards schemes to loyal clients. These schemes work by motivating customers to use the credit cards through different forms of transactions. Through using the credit cards, there are corresponding points assigned to each transaction. The more points you earn, the more chance you get at having the rewards.
Nowadays, the most popular reward schemes are those that are related to air travel. Different miles points or flying reward schemes are now offered to credit card users. However, the program is not applicable to ordinary credit cards.
There are special credit cards that offer the frequent-flyer rewards. You are advised to apply specifically for such a scheme. If the current and usual credit cards are offering waived annual fees, for the frequent flyer and other reward schemes, these annual and membership fees are not waived.
That is the premium you would pay for taking part and getting a chance to have these many offers credit cards can provide.
About the Author
Mario Churchill is a freelance author and has written many articles on various subjects. If you looking to apply for credit card rewards offers or to just apply for a credit card online checkout his w
Thursday, May 3, 2007
Credit Card Processing
What Is The Credit Score Rating Scale?
By Mike Singh
Understanding your credit score rating scale can seem like an overwhelming and almost impossible prospect. A credit rating scale can be confusing, especially if you have trouble with numeric systems. In a scale you have several numbers that all mean something different. Even though it can be a hard and overwhelming to try to understand your rating scale, doing so can be rewarding and a necessity in fixing it if need be.
One of the first things you should look at it is how exactly your credit score rating scale is composed and put together. Companies look at a couple of different aspects to put it together. One thing that determines how your credit rating is put together is your past payment history. This includes how well you pay your bills and whether or not you pay them on time or not. This aspect also includes any outstanding debt, too much can make your credit rating lean towards the lower end. Something else that is considered is your credit history in general. Beginners as well as a poor one can lower it as well. Sometimes if you are just starting out it may be even lower than someone who has a history that is poor.
Other things that are considered as part of a credit score rating scale are any credit applications or inquiries into your credit. Too many of either can lower your score and reflect poorly on you and your score. Different types of loans and credit can also have an affect as well. Balances that are too high and the number of balances that are too high can be a bad sign to a credit reporter as well. High interest rates can even be a negative mark as well.
On the rating scale a score of seven hundred or more is excellent and someone with this type of score should have no problems with credit or interest rates. While those with scores around six hundred and fifty to four hundred and fifty will have some difficulty obtaining credit, though could still have a chance. A lot of times those who fall on this part of the scale will have to secure any loan they apply for with some type of collateral. Those who fall below four hundred and fifty will most likely not get approved at all, whether secured or not. These people need to find a solution to their credit problems and a way to improve where they fall on the scale if they wish to stand any chance at all.
Speaking of help in rising where you fall on the credit score rating scale there are a lot of places to start from. Free credit counseling is available if you know where to look and will greatly help you if you are in need. These credit counselors will not only help you improve your score but can also help you get back on track and be more responsible in the future to avoid the problem again.
After sifting through all the information and getting your bearings you can learn a lot. Things may not be so overwhelming after all. When it comes to the credit score rating scale and understanding it, all it takes is a little patience, which in the end can be well worth it.
Check out http://www.my-credit-center.com/ for more articles on credit card online processing and restaurant credit card processing.
Article Source: http://EzineArticles.com/?expert=Mike_Singh
http://EzineArticles.com/?What-Is-The-Credit-Score-Rating-Scale?&id=284481
By Mike Singh
Understanding your credit score rating scale can seem like an overwhelming and almost impossible prospect. A credit rating scale can be confusing, especially if you have trouble with numeric systems. In a scale you have several numbers that all mean something different. Even though it can be a hard and overwhelming to try to understand your rating scale, doing so can be rewarding and a necessity in fixing it if need be.
One of the first things you should look at it is how exactly your credit score rating scale is composed and put together. Companies look at a couple of different aspects to put it together. One thing that determines how your credit rating is put together is your past payment history. This includes how well you pay your bills and whether or not you pay them on time or not. This aspect also includes any outstanding debt, too much can make your credit rating lean towards the lower end. Something else that is considered is your credit history in general. Beginners as well as a poor one can lower it as well. Sometimes if you are just starting out it may be even lower than someone who has a history that is poor.
Other things that are considered as part of a credit score rating scale are any credit applications or inquiries into your credit. Too many of either can lower your score and reflect poorly on you and your score. Different types of loans and credit can also have an affect as well. Balances that are too high and the number of balances that are too high can be a bad sign to a credit reporter as well. High interest rates can even be a negative mark as well.
On the rating scale a score of seven hundred or more is excellent and someone with this type of score should have no problems with credit or interest rates. While those with scores around six hundred and fifty to four hundred and fifty will have some difficulty obtaining credit, though could still have a chance. A lot of times those who fall on this part of the scale will have to secure any loan they apply for with some type of collateral. Those who fall below four hundred and fifty will most likely not get approved at all, whether secured or not. These people need to find a solution to their credit problems and a way to improve where they fall on the scale if they wish to stand any chance at all.
Speaking of help in rising where you fall on the credit score rating scale there are a lot of places to start from. Free credit counseling is available if you know where to look and will greatly help you if you are in need. These credit counselors will not only help you improve your score but can also help you get back on track and be more responsible in the future to avoid the problem again.
After sifting through all the information and getting your bearings you can learn a lot. Things may not be so overwhelming after all. When it comes to the credit score rating scale and understanding it, all it takes is a little patience, which in the end can be well worth it.
Check out http://www.my-credit-center.com/ for more articles on credit card online processing and restaurant credit card processing.
Article Source: http://EzineArticles.com/?expert=Mike_Singh
http://EzineArticles.com/?What-Is-The-Credit-Score-Rating-Scale?&id=284481
Credit Card Processing
Electronic Credit Card Processing
By Thomas Morva
The success of an online business depends on the process of accepting credit card payments. This type of payment permits you to attract both impulsive buyers and casual surfers alike. It also guarantees that you get timely payment.
Electronic credit card processing facilities handle orders directly through the Internet. This is normally a complex deal that needs the coordination of many things such as your website, your consumer?s credit card company, a payment gateway, and an account into which credits are deposited. Electronic card processing is safe and secure, and it provides the best customer service.
Three major types of electronic credit card processing are available. The first type uses a virtual machine that allows manual addition of mail. The second type involves a simple integration technique that links your site directly to the credit card and bank system. The third type uses a means for custom-linking your system to other more complex systems using a transaction gateway server.
Credit cards can be processed either in real-time or in a collective manner (batch processing). Electronic credit card processing generally has excellent real-time processing speed. The business is processed instantly and the consumer knows whether or not his card is accepted. But real-time processing has greater risk of fraud, since anybody can use a stolen card before it is reported stolen. Another disadvantage is that you cannot accept any order when the electronic credit card processor's server fails. Batch processing is ideal for smaller businesses. Here, many credit card transactions are processed jointly at a later time. The risk of fraud is moderately low.
Today, many companies offer fast, reliable and safe electronic credit card processing services. Each will work with almost all major credit cards, including Mastercard, Visa, American Express and Discover.
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/?Electronic-Credit-Card-Processing&id=353154
By Thomas Morva
The success of an online business depends on the process of accepting credit card payments. This type of payment permits you to attract both impulsive buyers and casual surfers alike. It also guarantees that you get timely payment.
Electronic credit card processing facilities handle orders directly through the Internet. This is normally a complex deal that needs the coordination of many things such as your website, your consumer?s credit card company, a payment gateway, and an account into which credits are deposited. Electronic card processing is safe and secure, and it provides the best customer service.
Three major types of electronic credit card processing are available. The first type uses a virtual machine that allows manual addition of mail. The second type involves a simple integration technique that links your site directly to the credit card and bank system. The third type uses a means for custom-linking your system to other more complex systems using a transaction gateway server.
Credit cards can be processed either in real-time or in a collective manner (batch processing). Electronic credit card processing generally has excellent real-time processing speed. The business is processed instantly and the consumer knows whether or not his card is accepted. But real-time processing has greater risk of fraud, since anybody can use a stolen card before it is reported stolen. Another disadvantage is that you cannot accept any order when the electronic credit card processor's server fails. Batch processing is ideal for smaller businesses. Here, many credit card transactions are processed jointly at a later time. The risk of fraud is moderately low.
Today, many companies offer fast, reliable and safe electronic credit card processing services. Each will work with almost all major credit cards, including Mastercard, Visa, American Express and Discover.
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/?Electronic-Credit-Card-Processing&id=353154
Wednesday, May 2, 2007
Credit Card Processing
Credit Card Processing Security Concerns
By Debbie Dragon
As an online merchant accepting credit card payments, you have numerous security issues that you must be aware of for the safety of your business and your consumers. At this time, there are two main aspects of credit card security for credit card processing, including “AVS” and “CVV”. Both allow credit card transactions to be completed anonymously over the internet, and any merchant accepting credit cards online should require both forms of information of your customers.
Address Verification Service
The “AVS”, or address verification service, is used to determine that the address provided by a customer matches the address associated with a credit card account. This helps generate confidence that the person who is entering the credit card details is the person who owns it. While the AVS is not required to process credit card transactions, when it is provided the transaction processor will send a response back with details of how much of the address provided matches the address on the credit card.
A credit card will not be denied if the address is entered wrong, it is up to the merchant to decide what to do if the address only matches partially or not at all. You can deny the sale, or require the buyer submit additional information, or give them the opportunity to correct the address information, before processing the transaction.
Card Verification Value
The “CVV”, or card verification value, sometimes referred to as the CVV-2 is a three to four digit number found on the back of American Express, MasterCard and Visa cards. It’s on the card but not on any statements, so that if an individual has found a credit card statement in the trash, they aren’t able to complete a sale that requires the CVV code for verification purposes. When a customer is able to enter the CVV code, it’s a strong indication that the customer has the credit card in hand, which increases the potential of the card belonging to the person who is attempting to use it to make a purchase online.
Most credit card fraud online occurs when a thief has found a discarded receipt or a thrown out credit card statement, but by requiring the CVV code, the merchant can eliminate that type of fraud.
If a CVV number is entered and is incorrect, the transaction will be declined by the credit card issuer.
Providing Consumers with Top Security
If you are going to accept credit cards online for payment for products or services offered through your website, it’s imperative that you provide your customers with a guarantee that you’re protecting their credit card information.
Credit card processing typically requires that the customer’s information is transferred about four times, which means there are four instances when someone could gain access to the cardholder’s details.
When a customer first sends the credit card information to you via your checkout or web based form. You are solely responsible for security as the internet merchant, at this stage in the credit card transaction process. Having a secure server and a valid security certificate with the https protocol will protect and encrypt private information you receive from customers.
You will want to be sure that the credit card transaction processing software you use for your business is secure by using a reputable processing company.
As customer information is moved in and out of a database through the transaction process, the security must be top of the line- and this is ensured by choosing a solid company that offers encrypted software for this part of the process.
Finally, when customer credit card information is viewed or handled by you or your staff, it’s important that you ensure security at this stage as well.
This article has been provided by Creditor Web. Creditor Web has the articles and other credit card processing resources to help you choose the right provider.
Article Source: http://EzineArticles.com/?expert=Debbie_Dragon
http://EzineArticles.com/?Credit-Card-Processing-Security-Concerns&id=520555
By Debbie Dragon
As an online merchant accepting credit card payments, you have numerous security issues that you must be aware of for the safety of your business and your consumers. At this time, there are two main aspects of credit card security for credit card processing, including “AVS” and “CVV”. Both allow credit card transactions to be completed anonymously over the internet, and any merchant accepting credit cards online should require both forms of information of your customers.
Address Verification Service
The “AVS”, or address verification service, is used to determine that the address provided by a customer matches the address associated with a credit card account. This helps generate confidence that the person who is entering the credit card details is the person who owns it. While the AVS is not required to process credit card transactions, when it is provided the transaction processor will send a response back with details of how much of the address provided matches the address on the credit card.
A credit card will not be denied if the address is entered wrong, it is up to the merchant to decide what to do if the address only matches partially or not at all. You can deny the sale, or require the buyer submit additional information, or give them the opportunity to correct the address information, before processing the transaction.
Card Verification Value
The “CVV”, or card verification value, sometimes referred to as the CVV-2 is a three to four digit number found on the back of American Express, MasterCard and Visa cards. It’s on the card but not on any statements, so that if an individual has found a credit card statement in the trash, they aren’t able to complete a sale that requires the CVV code for verification purposes. When a customer is able to enter the CVV code, it’s a strong indication that the customer has the credit card in hand, which increases the potential of the card belonging to the person who is attempting to use it to make a purchase online.
Most credit card fraud online occurs when a thief has found a discarded receipt or a thrown out credit card statement, but by requiring the CVV code, the merchant can eliminate that type of fraud.
If a CVV number is entered and is incorrect, the transaction will be declined by the credit card issuer.
Providing Consumers with Top Security
If you are going to accept credit cards online for payment for products or services offered through your website, it’s imperative that you provide your customers with a guarantee that you’re protecting their credit card information.
Credit card processing typically requires that the customer’s information is transferred about four times, which means there are four instances when someone could gain access to the cardholder’s details.
When a customer first sends the credit card information to you via your checkout or web based form. You are solely responsible for security as the internet merchant, at this stage in the credit card transaction process. Having a secure server and a valid security certificate with the https protocol will protect and encrypt private information you receive from customers.
You will want to be sure that the credit card transaction processing software you use for your business is secure by using a reputable processing company.
As customer information is moved in and out of a database through the transaction process, the security must be top of the line- and this is ensured by choosing a solid company that offers encrypted software for this part of the process.
Finally, when customer credit card information is viewed or handled by you or your staff, it’s important that you ensure security at this stage as well.
This article has been provided by Creditor Web. Creditor Web has the articles and other credit card processing resources to help you choose the right provider.
Article Source: http://EzineArticles.com/?expert=Debbie_Dragon
http://EzineArticles.com/?Credit-Card-Processing-Security-Concerns&id=520555
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