Online Credit Card Processing

Online Credit Card Processing

What is ’online credit card processing’? Online credit card processing 
is an essential part of any web-based business. Online credit card processing gives a merchant the opportunity to accept payments from customers using credit cards. There are two types of online credit card processing available today:Direct merchant account processing ’ means entering in direct relationships with a merchant bank. This type of online credit card processing is the best available method of web site credit card processing. 

Direct merchant account processing accepts the most popular credit cards like VISA and MasterCard,JCB,AE,Unionpay.
Third-party credit card processing is a more complicated 
process. A third company is involved between the merchant and the merchant 
bank. The advantages of online third-party credit card processing are:
Acceptance of nearly all credit card brands known worldwide, which will 
increase purchases from customers operating non-VISA/MasterCard credit cards.

Relatively low charge backs due to the online merchant credit card processor being shared by a number of merchants. 

Third-party online credit card processing services are best for merchants who run new and small online businesses, high-risk merchants, and merchants who are for any reason not allowed to have a direct online merchant account credit card processing service.

Some of the advantages of online credit card processing services:

Fast and secure. It’s just like doing food shopping 
at a local supermarket! It takes only a few seconds to process a payment. 
Online credit card processing is handled through a secure SSL encrypted channel.

International. Whether it’s Europe, America or Asia (or Antarctica for that matters!), online credit card payment services will allow your customers to pay by credit cards from any part of the world, as 
long as there is internet access and your website is integrated with a web 
based credit card processor.
Cheap online credit card processing services are easy to find, but it is advised to compare many credit card online processing companies. The cost of the credit card processing service isn't the only number you must look at! It is not an easy task to process millions of transactions daily so credit card processing service companies may charge a small (or a large) ’fee’, flat or percentage. So it is always recommended to carefully read the terms and conditions of the service providers, especially if a third-party are involved. Be also aware of taxes, especially when handling non-VISA/MasterCard credit cards. The setup of online credit card processing is fairly easy and is done by the credit card online processing service company.

Online credit card processing is one of the most important components of ecommerce and successful fast-growing businesses. Accepting credit card payments from customers worldwide allows a business to operate freely and profitably around the whole world. There are 1.46 billion only VISA card holders worldwide! So why make your ecommerce unable to process the credit cards of these 1.46 billion potential customers? Discover credit card online services now!


Contact info: 
skype:goodluck3801 
E-Mail:ecpss2012@gmail.com
website:http://www.ecpss.com/index_en.html   

Internet Credit Card Merchant Account

Internet Credit Card Merchant Account

Adult, Pharmacy, Travel, Telemarketing, High Volume, High Risk... 
YOUR SEARCH IS OVER!

Does your business have anything to do with online pharmacy, adult, 
telemarketing, subscription/membership services, tickets, multilevel marketing or telecom? Then it may lie in the high-risk classification of the banks. Moreover, if your business involves online credit card payments then it is almost vital to have a merchant account. A merchant account will allow you to carry out credit card transactions. However, if for any reason you do not want to conduct your banking or credit card processing or want to get some taxation benefits, then an offshore merchant account can be the best option for you. 

It also proves beneficial if you are starting with a new business. Offshore accounts normally have higher processing costs or longer hold back periods but this is in lieu of a deposit requirement. This higher than normal processing charge is a by-product of the fact that the offshore bank assumes higher risk with your offshore merchant account. Under the usual circumstances you would not have problems getting an offshore merchant account unless you deviate from having ethical sales or business practices. The offshore banks do not really care about your type of business or products. This is unlike the US banks that may at times go much farther than simple due diligence or looking at potential client banks. Having an offshore merchant account can prove quite beneficial if you have a small business and the cash flow is low, since the account would not require a large up front security deposit. However, you must take into account the fact that the bank may hold back some of the proceeds as a reserve against possible charge backs.

With our quick and easy approval process, you won't have to waste your time and money searching for the right merchant account provider for your online business. We provide you with an offshore merchant account and web based payment gateway software, enabling you to sell goods and services online, in multiple currencies, securely, via Mastercard and Visa，JCB，AE,unionpay . We provide both offshore merchant account and payment gateway facilities, so there are no hidden charges. Our rates cover everything you need to accept payment by credit card online.

ECPSS ADVANTAGE

* API/XML interface and Virtual terminal features
* Your money can be wired to any bank in the world
* Full Reporting Capability to Monitor Sales History 24/7
* Real Time Processing of Visa and MasterCard,JCB，AE ，unionpay 
* Fraud Screening Included
* High volume limits and high average ticket price are welcome
* Will allow you to accept major credit cards online or over the phone
* European Based Banks - Our offshore banks can process payments for businesses 
located within and outside of the United States
* No currency/transfer restrictions. Weekly Settlement to any Bank Worldwide, 
after a 7 day delay
*10 % Rolling Reserve for 6 months
* 24-Hour customer Service, Privacy of information assured
* Your own Billing Descriptor possible based on volume

Secure, Cost-effective and Reliable

Our banking partners have among the highest possible ratings from major credit 
card associations. Your credit card transactions will be transferred over a 
fully secured offshore gateway. Clearance and settlement is performed by the 
offshore bank that issues the e-commerce merchant account. All credit card transactions 
are processed on the state-of-the-art equipment with three backup servers thus 
ensuring non-failing 24/7 processing.

Our server-based transaction processing system enables businesses to authorize, 
process, and manage credit card transactions securely in a real-time, online 
environment from any computer with an Internet connection and a Web browser.

Pricing

Custom Rates based on application underwriting criteria. We want your account! Our merchant banks offshore will deposit funds direct to your bank account anywhere in the world.


Contact info: 
skype:goodluck3801 
E-Mail:ecpss2012@gmail.com
website:http://www.ecpss.com/index_en.html  

Ecommerce Merchant Account

   Whether you are running a home-based business, selling home-made stickers, or you are the Boss of an enormous automobile company, you will surely need a flexible, fully-controllable, and secure method for your customers’ payments over the Internet. That is ecommerce and the person running it is called an ecommerce merchant.

There are many advantages in having an ecommerce internet merchant account: International clientele support. Your ecommerce internet 
merchant account will make it easier for your international customers make 
payments, even if they are on the other side of the world. This will increase sales and incomes, as your business will be active worldwide and at an international level.

Fast and secure transactions. Using ecommerce merchant 
account services saves time and money. Money orders, for example, especially sent to or from another country, are extremely inconvenient for both sides, compared to ecommerce merchant solutions. International postage is very slow. 

And who will guarantee that the money order will reach its destination? Bank transactions, secure as they may be, are inconvenient too slow, up 
to 5 working days per transaction, and expensive. An ecommerce merchant account is vital for a fast-growing business.
Cheap and easy to use. Cheap ecommerce internet merchant 
accounts are not a problem to find. Many companies offer relatively cheap 
internet merchant accounts and most of these ecommerce merchant accounts are easy to setup and use. Ecommerce merchant accounts save money because transaction fees are relatively low, plus there is no need to employ additional staff or hire a professional to help you out, as ecommerce merchant accounts can be easily handled, even by beginner PC users.

Feedback. While a customer enters the relevant transaction information, he may be asked to provide additional information and feedback, which then may be processed by your company’s research team. This will provide you with information about consumer tendencies, requirements, and other important information which will lead to changes in strategies and concepts to provide a more effective product or service. This will lead to a dynamic and successful business.
After your ecommerce merchant account has been setup and integrated into your business the processing of a transaction is as easy as ABC, or as counting from 1 to 4.

A customer visits your website and chooses a service or a product that 
he wishes to purchase.
The customer clicks the ’Buy Me’ or ’Add to Cart’ 
or ’Purchase’ button and the item is added to his cart, from where 
he proceeds to the ’Check-out’.
At the ’check-out’ the customer enters personal, financial, 
and perhaps additional information. And this information goes through a payment gateway and is verified.
After successful verification of all the details the payment is transferred from the customers account to your active ecommerce merchant account.

That is easy, isn’t it! In today’s era of technology and information 
only the Internet and a reliable ecommerce merchant account will help provide stable ground for a growing and successful business.


Contact info:
E-Mail: business24@ecpss.com
Skype: goodluck3801
Website :http://www.ecpss.com/index_en.html 

Doing business in china

The Basics of Doing Business in China

In the last 25 years the world has witnessed the largest and most sustained period of wealth creation in history. In 2006 China had 15 known billionaires. In 2007 the number had risen to 106, and some predict the number has now reached levels higher than the USA.

With a rapidly growing number of wealthy consumers, continued economic prosperity, increasing wages, and improved infrastructure and payment systems, it is easy to see why doing business in China makes increasing sense. Especially for B2C ecommerce operators, the opportunities in China cannot be ignored. With more than 485 million internet users, of which more than 173 million are shopping online, the scale of opportunity is enormous and still growing. Behind Japan, China is already the largest consumer of luxury goods in the world. If you are not already doing business in China, it is time to start thinking about it.

Before you do business in China, you should ask yourself the following questions:

Do you have the time and resources to enter China properly?

Entering China is still not an easy proposition, especially when establishing an appropriate physical presence. Countless experts advise that entering the market and building a business that makes a profit will take a number of years. Those entering the market should be taking a longer term investment view and not expect success to come quickly or easily. For those that have the resources and patience, the potential long term rewards are huge.

Have you taken all the steps needed before exporting to China?

Are you sure your business is fully committed to the necessary level of money, resources and time that will be required? Are you sure your product will have enough competitive and marketing advantages to sell successfully. China is a highly competitive market and you will need to ensure your research is thorough. Also can you reach the potential production levels that may be necessary if you are manufacturing out of China? China is very much a volume driven market and products generally have to be produced at huge volumes to gain economies of scale and pricing competitiveness. Are you ready for a very different marketing approach? Marketing in China is very different to Western markets due to the huge cultural variations across the different geographic regions. Selecting markets within China and setting prices is not easy. China has many large regional markets, along with numerous niche markets which have great price sensitivity.

Are you willing and ready to setup in China?

There are ways of dipping your toes into the China market and many research firms that can assist you in evaluating your companies’ potential in China, however to really grow and build a long term business with China, you are going to need to establish a local presence. This is not a cheap or fast exercise. Expect to invest large amounts and you will have to do plenty of flying.

If your business is looking to do business in China, we can help you with all aspects to accepting payments. Contact us today to help you establish or improve your payment system.

ECPSS payment Services is a China Online Payments company. Our main services include: China Payment Gateway, Union Pay acceptance, China POS, China Merchant Accounts, China Mobile Payments, and China Payment Processing.

Contact info:
E-Mail: business24@ecpss.com
Skype: goodluck3801
Website :http://www.ecpss.com/index_en.html 

FAQ of ECPSS Merchant Account

1. When do I get paid? 
We pay weekly with 24-48 hours behind.
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2. Is it complicated to use Control Panel? 
No. Everything is automated. The main function merchants have is to website within their Control Panel. Everything else will be automated. If you still have problems, we are willing to do the setup as well at no cost.
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3. What exactly is a membership and why would I want it? 
Membership system will allow you to sell content. For example, in order to access certain web pages you would need a password.  The membership system allows you to sell access or permission to view certain pages.
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4. What credit cards do you accept? 
We currently accept Visa, MasterCard ,JCB,AE credit card ,china-union pay bank card (union pay debit card and credit card )for instant online sales.
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5. How much does it cost to sign-up for ECPSS? 
There is sign-up fee. No hidden charges.
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6. Are there additional fees for rebilling features and memberships? 
No. Everything is included within one low fee.
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7. Do you provide API interface? 
Yes, we have XML ,JSP,PHP,.NET ,ASP,ec-shop,magento,opencart ,osc, prestashop, virtuemart, wordpross, zencart,API interface
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8. Do you accept merchants outside of Canada and United States? 
Yes, ECPSS accept merchants in any countries.
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9. Will International merchants need to incorporate and set up bank accounts in Canada or the United States? No, International Merchants do not need to incorporate or set-up bank accounts in Canada or US. We will wire your monies to your bank account in which ever country you wish. Minimum wire transfer amount is $5000$.
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10. Does ECPSS provide any 1-900 or checks processing payment options? 
At this time, we do not offer any 1-900 or checks processing services.
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11. Do you have set pricing, or can I charge whatever I want?
You can charge any amount you want, as long as it is more than $1 and less than $2000.
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12. Do you accept both electronic and physical delivery merchants? 
Yes, in many cases our merchants will offer both electronic download and physical delivery of products or services from their  
sites.
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13. Does the merchant web site need to be hosted in Canada or the United States? 
No, you may have a web site in which ever country you wish. You will simply be hyperlinking to us for the secure, on-line credit card processing, so whether your site is across the road or halfway around the world makes no difference to us!
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14. Do I have to place any forms at my web site? 
No. All the forms are handled at our server. There is no need for any forms or "secure" environment at your side. You just link  to our secure order page.
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15. Do you have a holdback on sales income? 
A security deposit is required for all accounts. Currently we deduct 10% (depends on business type) for holdback fund.  Holdback fund returned to you within 6 months.
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16. Do you notify me if there is a chargeback? 
Yes, we will e-mail you notification that a chargeback has been processed. We send all e-mails to the address specified in our  ACCOUNT INFORMATION database (not the email address in the web site information database.) Chargeback fees will be applied to  your next payment.
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17. May I dispute chargeback? 
You're able to dispute chargeback only if you have valid proof of delivery :received code of chargeback is 4855 (for mastercard) or 30 (visa) (non-delivery)signed person is the same who ordered items (cardholder)
when the signature is possible to view (AS IS)you should provide proof of delivery during 7 business days after chargeback received.

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18. Can I check my sales statistic at any time? 
Yes, you can check your sales statistics at any time by simply log-in our Merchant Control Panel.
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19. Will I need to purchase and/or install any special software or hardware to use ECPSS? 
No, you will not. ECPSS provides everything you will need to process online transactions. We will also provide full support with the creation of the interface required for our systems to communicate with each other. The setup is fast and easy!
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20. If I apply for own descriptor with Your company will I get a real merchant account? 
Yes, for big turnover merchants ECPSS setup your own descriptor with domain and phone number which customers will see in their  
bank statements. There would be setup fee, you may pay it from your first sales.
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21. Are there volume caps? 
No there are not. You can process as much as You want unless we specifically set a volume cap for Your business. Generally we  
dont do it.
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22. What currencies can You accept transactions in? 
We can accept transactions in RMB,USD,HKD,GBP,JPY,EUR,AUD,CAD,SGD,NZD,TWD,KRW,DKK,TRY,MYR,THB,INR,PHP,CHF,SEK,ILS,ZAR,RUB,NOK,AED..
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23. What is a chargeback? 
A chargeback is a forced refund from a customer's credit card company. It occurs when a cardholder decides to formally dispute a charge on his/her credit card bill, often because of someone fraudulently used that card number. According to credit card  associations rules, Internet merchants must accept credit card fraud as part of the normal risk of doing business on the Internet. The amount of credit card fraud highly depends on your business nature. To reduce chargebacks, try to collect as much information as possible from your customer, and perform a phone order confirmation. If the order is found to be valid, then  proceed with the order. A chargeback fee is a penalty fee that passes on to the merchant.
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24. What is Holdback? 
The Holdback is a percentage of the total transaction volume that is used to prevent catastrophic loss resulting from  chargebacks. Typical holdback is 10% for 180 days. Once the 180 days has expired, the funds will be released back to your  account. The fund is calculated and withheld for every payout period.
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25. Can I speak with sales representative by skype? 
Yes, you can contact us by Skype:goodluck3801 and ask any questions.
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26. Do you have integration manual?
Yes, you can get it from skype:goodluck3801 or ecpss2012@gmail.com
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Contact info:
E-Mail:ecpss2012@gmail.com
Skype: goodluck3801
Website :http://www.ecpss.com/index_en.html

capture Grassroots Marketing for Nonprofit Organizations with ecpss merchant account help

      Marketing can mean a number of things, depending on who you ask. For the purpose of this blog post, I’m talking about nonprofit fundraising marketing that: 1) identifies prospective donors who give of their time, talents, influence and money, 2) engages donors in a meaningful way so you can 3) retain donors for years to come.

Remember, it costs less to keep a donor than it does to acquire a new donor.

The term grassroots marketing used to mean marketing at the local level in the most inexpensive way possible, usually through the local newspaper, public television and radio, billboards, and your own marketing communications.  It meant branding your organization by saturating the community you serve with news about your good deeds and the difference you’re making in the community.

Grassroots marketing still means the same. Only now the “community” you can (inexpensively) reach has broadened considerably thanks to the Internet.

Marketing to your local community is still essential because the local community is generally where your most ardent supporters come from, including volunteers.  But marketing to the larger community through the Internet has become so inexpensive that every nonprofit organization can participate. And you should. The more people you can reach, the more your story is heard and the more likely you are to expand your base of financial support.

Which brings me to my new definition of grassroots marketing: imaginative, low-cost, high-impact marketing from the trenches; marketing you do yourself or get someone to do for you at no cost because there’s absolutely no money in the budget for anything even remotely related to marketing.

For nonprofit organizations, time and money are usually in short supply, but that doesn’t mean you can’t effectively market your cause. Just keep in mind that the most successful marketing messages are memorable and relatable. You don’t have to spend a lot of money on marketing as long as you make that emotional connection with your target market.

Here are a few suggestions …

Volunteers

Volunteers are at the core of all successful nonprofit organizations.  Volunteers are more than willing to do the work you don’t have the skills to do or the funds to pay someone to do. They are the most loyal, most likely to remain with your organization for the long-haul, and they want your organization to thrive.

Your Database

Once a year (or more often if you have the time), run an audit on your donor database. Whether you’re using a proprietary donor database or Excel, go through all your records and remove any duplicates or outdated records.  This is an incredibly easy thing to do and, other than your time, costs nothing, yet it can make a world of difference in your marketing efforts.

If you don’t have a donor database, start one today.  A database is the cornerstone of your marketing (and fundraising) and crucial to your success. In addition to getting basic contact information (name, address, email address, etc.) on all your donors and prospective donors, record …

• what their interests are as they relate to your cause and their interests in general
• how the person came into your organization (board member, volunteer, 2012 special event attendee, through the website, etc.)
• how people want to be communicated with (email, by phone, face-to-face, etc.)
• where people work (because many companies have volunteer and donation programs you can tap into)

Don’t forget to keep volunteer records in your database. Document volunteers’ skills so you can find the expertise you need when you need it.

Your Website

Every nonprofit organization should have a website. There’s just no way around it. Maintaining a website can be time-intensive though. Find a volunteer within your organization or someone with a vested interest in your organization who can help set up and maintain a website. Check out TechSoup.org for a free or reduced-cost website creation program you can easily edit from your office.

Make sure you keep control of the website’s content, and that means: 1) clearly defining who you are as an organization and the people or community you serve so visitors understand your mission within seconds of entering your site; 2) having a clear call to action … if you want people to donate, have a Donate button or if you want people to sign up to volunteer, have a Become a Volunteer button; 3) using SEO or search engine optimization so people can find you; 4) well-written, donor-centered articles that engage the reader; and 5) a way to capture visitors’ names and email addresses.

Make certain all the visitors’ names and email addresses are recorded in your database. A volunteer can do the work as long as you have complete oversight for any content that is posted or deleted from your website. Regularly add new articles to keep the content fresh and visitors interested.

Pinterest

I’ve talked about my favorite Pinterest trick: Add a “Pin It” button on your website and invite donors and volunteers to create their own boards that showcase your cause. Be sure to ask your donors and volunteers to include a link back to your website on all their boards. (See my article “Should NonProfit Fundraisers use Pintrest?“ to read about other ways to use Pinterest.).

Or, designate a volunteer who can pin photos of last year’s special event. Don’t forget that link back to your website so people can learn how they can participate in this year’s event.

If you have a Facebook page, you can merge Pinterest into Facebook. Folks won’t have to leave Facebook to see your fantastic photos and graphics.

Community Partner

This suggestion is decidedly low-tech but very effective. Identify a local business you can develop a working relationship with and nurture that relationship. Become the “go-to” nonprofit organization the business owner wants to join forces with. When the business owner wants to do a little grassroots marketing of his or her own – perhaps host a charity event or sponsor a 5K run – your organization is the one that gets the call.




Contact info:
E-Mail:ecpss2012@gmail.com
Skype: goodluck3801
Website :http://www.ecpss.com/index_en.html

What is Bank ACH Transfer?

What is Bank ACH Transfer?

 How is it different from Bank Wire Transfer?

Are you confused about ACH transfer and bank wire transfer ? let us make it clear today together !

It generally refers to Direct Deposit or other electronic payments

The Automated Clearing House (ACH) is an electronic network for financial transactions. ACH processes large volumes of both credit and debit transactions which are originated in batches. ACH credit transfers include direct-deposit payroll payments and payments to contractors and vendors. ACH debit transfers include consumer payments on insurance premiums, mortgage loans, and other kinds of bills. Businesses are also increasingly using ACH to collect from customers online, rather than accepting credit or debit cards. Debit transfers also include new applications such as the Point-of-Purchase (POP) check conversion pilot program sponsored by NACHA. FedACH is the Federal Reserve's centralized application software used to process ACH transactions. Both the government and the commercial sectors use ACH payments. The Electronic Payments Network is the only private sector ACH Operator in the United States.

Automatic Clearing House or Electronic Fund Transfer. A mechanism from transferring money directly between bank accounts

ACH standards for automatic clearing house. In modern usage it is more common to encounter the terminology EFT (electronic fund transfers).    These terms are not quite synonymous: All refer to a mechanism by which banks are able to transfer money directly from one account to another (held by a different party) at the request of the owner of the first account. A transaction charge may be levied by the bank for providing this service. Transfers between banks within different countries are more complicated, and usually attract larger fees as well as being more restricted. Many online banking services allow users to conduct small transfers of this type automatically, often hidden within an option such as "make a payment". Internet-based services for conducting international transfers can be found easily by searching for suitable terms using google or similar. The difference is essentially that ACH  and BWT (bank wire transfer) are both subsets of EFT. Typically, BWT take place the same day that they are initiated, whilst ACH-based transfers can take a longer period (typically up to three days).

ACH = type of Wire Transfer

ACH = Automated Clearing House.  It is a type of electronic funds transfer between two entities' bank accounts.  It is typically used for payment processing.  A wire transfer is an electronic funds transfer directly between the accounts.  Wire Transfer is simply a generic term whereas ACH is a more specific type of wire transfer. Another way to think about ACH is that it is tied more specifically to a business transaction.  So, if you receive your paycheck through direct deposit, that is an ACH wire transfer of funds to your account for the purposes of payroll.  The payroll is the transaction. Anyone can perform a wire transfer of funds.  You can go to your bank to perform such a transfer.  It requires authorization to do so.  But, you cannot perform an ACH transfer between two individuals.

Automated Clearing House (ACH) is a secure network for connecting financial institutions and banks. Through the ACH Network, businesses, individuals, government organizations and financial institutions deposit, electronically pay, transfer, debit and conduct other financial transactions. The ACH Network is used primarily by businesses to process payments from e-commerce sites, municipal utility districts, healthcare institutions, non-profits, government entities, educational institutions, and property management companies.

Contact info:
E-Mail:ecpss2012@gmail.com
Skype: goodluck3801
Website :http://www.ecpss.com/index_en.html