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With so many credit card processing companies available to pick from, it can be a daunting task to find the one that is the perfect fit for your business. You want to make sure you find one that will have all the features and services you are looking for. Additionally, you want to make sure you pick a company that is solid and reputable.
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Ever heard of Alibaba? If you haven't, you're not alone. Even though it’s a company with a market cap of over $200 billion, many people in the United States aren’t all that familiar with Alibaba. Business owners may know about the company’s main domain, which connects manufacturers, suppliers, buyers and wholesalers. While that site alone has revolutionized how global businesses interact with each other, Alibaba Group has over two dozen other companies and affiliated entities, ranging from Taobao (China's largest consumer-to-consumer online shopping platform) to Tmall (one of the top ten most visited websites in China.) Because Alibaba is such an ecommerce juggernaut, mostly based around online transactions, payment technology is a key area of focus for the company. They've done some very interesting things in this space over the last few years, including technologies we’ve discussed in the west, but have yet to replicate. 1. Alipay Alipay is Alibaba’s payment platform. This is where the company focuses much of its energy, which is why it makes sense to provide an overview of the platform’s history. Launched back in 2004, Alipay doesn’t… Read more

In our post about merchant holds, we explained that excessive chargebacks are the first reason that merchant holds occur. While chargebacks are simply a minor inconvenience for some businesses, they can be a major headache for others. Even if a business takes steps to prevent chargebacks, this issue can persist simply based on being in a certain industry or a similar type of factor. When a business finds itself in that kind of position, they have to decide whether it makes the most sense to handle the chargebacks on their own or utilize a different solution. Given what chargebacks are and the negative effect they can have on businesses, this isn’t something that can simply be ignored. But that doesn’t automatically mean a business will have the resources needed to stay on top of this issue. The Basics of Chargeback Management One option for a business facing substantial issues with chargebacks but lacking the right resources to deal with this problem internally is to work with a chargeback management company. Companies that operate in this space have two primary roles.… Read more

Although millions of emails still get sent that promise riches in a foreign country, popular email providers like Gmail do an excellent job of keeping these scams out of inboxes and sending them straight to spam. While that’s great for consumers, businesses don’t always have as easy of a time protecting themselves from fraud that may originate in a country where they don’t even ship. Since this type of fraud can go beyond simply being frustrating and actually have a negative impact on the financials of a business, the good news is there are ways to protect against it. Even though these options aren’t turned on by default like the filters used to send misleading emails directly to spam, once you know about them, you’ll be able to utilize them as a layer of protection. Understanding the Card Issuing Country Filter While we’ve discussed how technologies like the CVV filter can be used to fight fraud, the option we want to focus on today is the card issuing country filter. The way this filter, which is available from many payment… Read more

If your business doesn’t currently accept online payments but you’re wondering if it’s worth making the investment of time and resources to start accepting them, we think the answer to that question is yes. Because we have a lot of experience helping businesses make this transition, we want to cover the five ways we’ve seen online payments transform businesses: Save Time By Reducing Manual Processes By accepting online payments, you can automate a number of processes that would otherwise require an employee to take care of manually. This type of automation will save your employees time, which in turn will give them the ability to focus on tasks that produce more value. And depending on your specific business, recurring payments can be something that’s easy to automate online. Open Up New Marketing Channels There are a number of marketing channels that online payments can open up for your business. Starting an affiliate program is one example. Implementing seasonal or last-minutes deals via email or social is another example. Speaking of seasonal deals, gift cards are a great option for most… Read more

When a business wants to accept payments online, they need three things. Those things are a merchant account, shopping cart and payment gateway. While a merchant account takes care of holding funds, a payment gateway is needed to actually process online credit and debit card transactions. Since the gateway a business chooses will play an important role in its ability to successfully process transactions, we want to cover four important factors you don’t want to overlook as you compare different gateways: Fees for International Transactions One of the advantages of accepting payments online is it allows businesses to serve customers in the United States and anywhere else they want to target. If your business plans on serving customers outside the United States, you’ll want to make sure any payment gateways you’re considering are able to support international transactions. And out of those options, you can then compare what they charge. While it’s technically possible to have one gateway provider for domestic transactions and another for international transactions, it’s almost always most cost-effective to shop around for a single gateway that… Read more