Posts tagged ‘payment’

Online Payment Processing Gateways

By payments, 28 January, 2009, No Comment

online payment processing gateways
Information needed for Payment Gateway Solution.?

My friend is based in Taiwan, planning to run an overseas tea trade business exporting tea from Taiwan to U.K. and also domestically in China.

They will take online orders from U.K. parties and China parties, who will book order on internet and will make payment through credit card.

My friend is already having a Merchant Account with HSBC–Hong Kong and is now to identify a Payment Gateway Company located in Hong Kong, that are extending the same support as Protx. My friend also prefers that the H.K.Gateway services will be preferably able to handle EUR & CNY dollar transaction.

Now, information needed in specific is, that which Payment Gateway service in Hong Kong will be compatible with the HSBC Merchant account for accepting Credit/Debit card payment processing for U.K. Customers also?
Advice and guidance will be appreciated.

Who will pay the import customs duty for the Tea in UK ?

The buying party will buy from you because not that you ship directly but he saves on the duty and other taxes.

How would you like your friend to be sued and fined by the Royal customs department for thousands of dollars ??? They could even put it under illegal entry of products even smuggling products in the UK.

Till the order is few hundred dollars no one will give a heed to it. But if the business rises he would be in deep trouble. All that he earned would go into the govt. coffers as penalty or this guy in jail.

So payment gateway and all is SECONDARY. First you need to fulfill legal formalities in the UK before you start the business and mind you getting permissions in UK would mean opening the door to the entire EU so stringent norms so be careful.

Hope this helps.

regards
Dharmanath


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Payment Processing Leader

By payments, 22 January, 2009, No Comment

payment processing leader

AS1830T-3721 Blends Performance, And Great Multimedia Features With A Very Affordable Price

The next-generation of Acer’s nonclassical “all day computing” lineup, the 11.6-inch Aspire TimelineX 1830 (leader AS1830T-3721) is an ultra-portable actor that weights honorable over 3 pounds yet packs in a full-size keyboard and ultra-low emf Intel Core i5 dual-core processing. Fashionable execution starts here with the new Intel Core i5 processor; Bringing as the perfect boundary for a immobile and respondent PC experience.

Acer Aspire TimelineX AS1830T-3721 Notebook comes with these eyeglasses: Intel Core i5-430UM Processor, Windows 7 Lodging Payment (64-bit), 11.6-inch HD Widescreen CineCrystal LED-backlit Presentation, Transplantable Intel HM55 Extract Chipset, 4096 MB DDR3 Remembering, Intel HD Graphics, 500 GB 5400RPM SATA Granitelike Intend, Built-In Webcam 1.3MP (1280 x 1024), Multi-in-1 Digital Media Card Order, High-Definition Frequency Validation, Dolby Substantial Populate, 802.11b/g/n WiFi CERTIFIED, Bluetooth 3.0+HS, Gigabit Ethernet, 3 – USB 2.0 Ports, HDMI Embrasure, Multi-gesture Touchpad, 6-cell Li-ion Battery (5800mAh), up to 8 Hours of Firing Account, 3.09 lbs. | 1.4 kg (system object exclusive), AC Cause Musician, AC Nation Textile, Wireless Setup Greeting, Registration/ Minor Warranty Roster, McAfee Net Precaution Suite Tryout (60-day experimentation).

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Payment Processing Day

By payments, 19 January, 2009, No Comment

payment processing day
if i bought something threw pay pal on the internet. can i cancel the payment before a certain number of days?

i purchased something and have not received it. think it was a scam. can i cancel that payment process

Here’s the thing, don’t worry, you’re protected 100% from paypal buyer protection.

Now that the item is not received you have several options.

1. The easiest way
Log on to paypal, on the bottom click on contact us, then paypal will provide you with a web pin to call them, which is six digits. Or you can call them directly 1888 221 1161 without the pin it still works, but you have to verify your information. Simply prompt speak to an agent, they will direct you to the right department, of course the department that you should talk to is claims.

2. You can simply log on to your paypal account
Then on top/middle of the page there is a link called “my account” then sub tab that says resolution center, then go in there, click on dispute transaction. it will run you through and open a case for you online. Then all you have to do is complete all the information on their and wait for paypal to recover your money.


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Online Payment Processing Fees

By payments, 15 January, 2009, No Comment

online payment processing fees

Website Credit Card Payment Processing – How Does It Happen?

Credit cards are used by all of us today to purchase items from e-commerce websites and brick-and-mortar retail shops. In spite of using cards almost every day, not many of us understand how credit card processing happens and the components that come into play in moving money from their account to the business’ account. In this piece, we explain the payment flow for internet transactions.

Types of transactions

Credit card processing includes numerous transactions. These are explained below:

  • Preauth transactions: The validity of a card is verified during this transaction. The fee for running this transaction is typically around one dollar.
  • Postauth transactions: In these transactions customers buy an item and the product is not shipped immediately. At the moment the order is confirmed, a card hold is applied on the customer’s card. The business owner runs a postauth to move the money after the order has been shipped. This also removes the hold placed earlier.
  • Credit transaction: This is the transfer of monies from the merchant’s account to the purchaser’s. This is required when a merchant issues credit for returns etc.
  • Sales transaction: Here the customer buys an item and makes a payment with the credit card – to shift funds from her own account to the merchant’s .
  • Chargeback transaction: Chargebacks are instances where a buyer disclaims a charge to her card. In these situations, the bank recalls the sum under question from the merchant’s account and places it in the customer’s account till the time the dispute is sorted out. The merchant gets some time to establish their charge. If they can satisfy the bank with evidence , the amount is moved back to the merchant. Chargebacks proves costly to the business as banks levy a charge for the time and effort involved.

Necessary website infrastructure to support online credit card payments

You should have the infrastructure to manage credit card transactions on your business website. Some of these basic requirements are:

  • a “card not present” merchant account
  • an account with a gateway such as AuthorizeNet, CyberSource, WorldPay, etc.
  • a “vital tear sheet” to submit to the gateway (provided by the bank)
  • affiliation with credit card types such as American Express; to be sent to the gateway
  • an SSL enabled server

How does the website credit card processing work?

Following is the breakdown of how it all happens:

  1. The client places an order by filling up a form that collects the credit card particulars. On submitting the form, the information is transmitted to the server.
  2. The information is processed by the server and routed to the appropriate application for credit card verification.
  3. The function of the software is to verify the payment particulars entered by the buyer. If the information is validated, it sends the data to the gateway for more checks.
  4. The gateway checks the validity of the card and if the funds are available or not. Depending on the response to these checks, it accepts or rejects the credit card and sends the message back to the software. This service comes at a fee that can be a flat monthly rate or a per transaction rate.
  5. The gateway routes the transactions to selected clearinghouses (selected by the bank for specific types of credit cards) in batches.
  6. The clearinghouse gathers transactions from many gateways, groups them into batches for different banks and moves money accordingly. Again, this service is charged a fee that can be anywhere from 2%-5% of the credit card sales.
  7. The clearinghouse transmits funds between the banks – customer to merchant.
  8. On receipt of the transaction, the merchant’s bank moves the dollars from the customer’s account to the merchant account. Here too, the bank or card issuing company will charge some fees for a range of associated services – setting up the merchant account, discount fee, monthly minimum fee, etc.

This article should give you some understanding of what goes on when you submit an online order form. As illustrated, credit card processing isn’t so baffling after all. Yet, owing to the multiple steps involved in the process, businesses are more comfortable paying a credit processing company to manage it. As payment processing rates have come down substantially in the last few years, this move also makes sense financially.


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