E-commerce portal

Legal aspects and implications of e-mail marketing and related spam laws

Electronic commerce (Ecommerce) is amongst the most important aspects of the internet, which enables people to exchange products and services instantly without any barrier of distance or time. This article throws light on the legal issues and implications of an e-commerce promotion via e-mail marketing and the relevant spam laws.

Steps to Profitable Auctions Posted By : Eble Chen
Anyone can become a successful seller on eBay, provided he or she knows the tricks and tips to sell the right thing under right category at right time.

Steps and procedures to start an online business.
This article describes the pre-requisites to start an online business including some tips on how to select and develop a new website and cope with competitors on the web.

Compare Merchant Accounts
“Compare Merchant Accounts” is one of the best pieces of information a company owner can receive. All merchant accounts are not created equal, and it will be up to you to find the best package for your particular enterprise. Here are a few tips to keep in mind.

Compare Merchant Accounts for lenders. You need to find a reputable lender that will work with you to protect and grow your company interests. Someone who doesn’t care or who issues a merchant account solely to make money is not the best underwriter to take on as partner. Look at things like how long the company has been in business, who manages it, other services that are provided, and the company’s standing in the business community. You may want to read the newspaper’s business articles archive for recent press releases or company news. You also could browse a few industry publications to get a feel for who the best lenders in the business might be. You want to find a lender with a reputation for integrity, honesty, and professionalism as well as capability.

Compare Merchant Accounts for services. A merchant account’s greatest advantage, at least as claimed by some experts, is the ability for a company owner to accept credit card payments. You need to find out which credit card payment method is best for your company. For example, do you plan to accept credit payments at your company’s location? Or will you or another employee take a wireless unit on the road for point-of-sale transactions at residential or business locations? Perhaps you are thinking about establishing a Website presence to attract customers from every location in the world. Find out what your preferred lender will support, along with possible fees for maintenance and service agreements.

Compare Merchant Accounts for costs. Some lenders may ask you to pay an online application fee. Others may want you to join and pay an annual membership rate. There can be print statement fees, gateway costs, and other expenses associated with your merchant account. In addition, you will have to pay for the actual service that may be calculated on a per-transaction basis costing perhaps a few cents per payment or a low monthly overall interest rate that may or may not impose certain minimums. Read the fine print, ask lots of questions, and be prepared to do your homework before signing the contract. A merchant account may be the single most important decision you will need to make on your company’s behalf.

Compare Merchant Accounts for service. Even in the application stage, does the company provide easy access to personnel who can answer questions or help you understand the process? Are the company associates courteous and knowledgeable? Can you follow their directions? If you experience a problem, is the company prompt in responding to issues and resolving complaints? If a problem arises with the processing services, will the lender work with you to reinstate service as quickly as possible?

Considerations like these can help you competently Compare Merchant Accounts!

Shane is the owner of <a href="http://www.merchant-account-quotes.com" target="_blank">http://www.merchant-account-quotes.com</a> A site where you can shop and compare multiple quotes from national leading merchant account providers. <a href="http://www.merchant-account-quotes.com" target="_blank">http://www.merchant-account-quotes.com</a>

How To Accept Credit Cards Without A Merchant Account
To increase sales on your website, you must accept credit cards. To process credit cards, you could apply for a merchant account through your bank or other financial institution.

Sometimes, though, you would be further ahead to use the services of a credit card processor. This is especially true when you are first starting out and have more limited resources. In this way, you may process credit card transactions without the high front-end costs and requirements of a merchant account.

Here, then, are just a few ways of accepting credit cards without a merchant account. I personally use all of these vendors and can recommend them wholeheartedly.

1. Clickbank

If your product is downloadable (such as electronic books or software), you might consider ClickBank.com . For a $49.95 initial fee, you can process credit cards and on-line cheques for $1.00 per transaction plus 7.5% of sales.

You receive additional exposure through free listing on their website and through the search facilities of other websites, such as CBMall.com.

As an added bonus, you have your own built-in affiliate program. You decide what commission (from 1% to 75%) you would like to pay your affiliates.

2. PayPal

PayPal.com has no initial fees. For just 2.9% of sales and $ .30 per transaction (and sometimes less), you can receive money from anyone.

Also, you can pay others by credit card or chequing account without supplying your personal credit information to the payee. PayPal can be used to collect money from your auctions, website sales, or even from friends or clients.

3. PaySystems

In the original edition of this article, I recommended PaySystems.com (also known as MyPaySystems.com). This is what I wrote about them:

“PaySystems.com can handle either intangible (downloadable) or tangible (shippable) products. For an initial fee of $49.00, you can accept all major credit cards as well as online checks. Fees are just 3.95% of sales and $1.00 per transaction. Alternatively, you may pay 5.5% of sales and $ .35 per transaction.”

“For this, you receive shopping cart, integration with third-party affiliate programs (such as ClixGalore.com), fraud screening, multi-currency transactions, toll-free support, marketing tools, and more.”

Unfortunately, PaySystems.com has discontinued their “Internet Billing Account” for those outside the United States.

4. 2CheckOut

2CheckOut.com can handle both intangible and tangible products. For an initial fee of $49.00, you can accept all major credit cards as well as online checks. Fees are just 5.5% of sales and $0.45 per transaction.

For this, you receive shopping cart, fraud detection, integration with third-party affiliate programs, multi-currency transactions, free on-line support, and more.

Incidentally, 2CheckOut.com has the same policy as ClickBank.com does with regard to sales taxes. Both companies take the position that you are selling your product to them and that they resell it to the final consumer. Thus, they claim that you are not subject to sales taxes on those sales.

J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over twenty-five years. To learn more about accepting credit cards and other profitable Work at Home Small Business Ideas, visit <a href="http://www.yenommarketinginc.com/creditcards.html" target="_blank">http://www.yenommarketinginc.com/creditcards.html</a>

EBay’s Relationship With People And Companies - Good Or Bad? Posted By : Eble Chen
EBay tries to befriend the Criminal Investigation Department (CID) of India, by offering few products for curbing the practices of cyber crimes culprits, for free.

Is Oracle Sapping SAP? Posted By : Sandra Noble
A leech is sucking the life blood out of SAP. Or at least the attempt is being made. What’s causing the blood letting to occur? PeopleSoft, JD Edwards, Siebel, Hyperion - aka the new, bigger, more diverse Oracle Corporation

Finding
The purpose of this article is to assist readers in locating various wholesalers and dropshippers with the help of online directories, explaining certain drawbacks and also their solutions.

Credit Card Merchant Account Services
Did you know that credit card merchant account services could possibly multiply your sales receipts within a matter of weeks or months? Of course, other factors will play a role in the overall success of this strategy, but many company owners claim that the simple step of accepting credit card payments increased their income dramatically in a relatively short amount of time. That is why you need to know more about the benefits of credit card merchant services.

Basically, the premise of using credit card merchant account services works like this. You find a trusted lender with experience in merchant accounts. You might even want to check with customers at some of the lending institutions to see if they are satisfied with their merchant account services. You also can find online testimonials, although these may be biased when situated at the Websites of various lenders. You could visit chat rooms devoted to topics like this one that are sure to be discussed among entrepreneurs or start-up business owners. After getting objective feedback on several possible lenders, you can choose the one that seems like the best bet for your company.

It is a simple process to apply for credit card merchant account services. After reducing your possible underwriters to three or four after searching the Internet or checking with colleagues, it then becomes a matter of comparing and contrasting benefits with fees. Some companies are so well known that they can afford to charge more for their merchant account services. Others have recently added this option, so they might reduce, avoid, or omit certain fees in order to get your business. However, you may have to pay these fees after the first year or another type of trial period. Read all the terms carefully so that you understand how the account works, how much it costs, and what the potential glitches might be. Contact the lender with any questions or uncertainties before applying for an account. Then, when approved, you should feel confident that you have made a good investment.

Obtaining credit card merchant account services will let you accept credit card payments from your customers in a variety of ways. If you own or operate a store, for example, they can pay onsite with a credit card processor that you can plug into a wall outlet. But if you deliver goods or services to homes or businesses, you may want to take along a wireless credit card processor. Depending on how your customers like to pay and the level of involvement you want to pursue, you can add a pager and an e-check or debit processor right away or later on, depending on equipment cost and your need.

Being approved for a merchant services account will help you expand the way you do business. Many consumers prefer to pay by credit card, so accepting payments via this method will attract that segment of buyers and increase your volume of sales. Soon your profit margins should increase as well. Start thinking now about adding credit card merchant account services to your business.

Shane Penrod is the founder of <a href="http://www.Merchant-Account-Quotes.com" target="_blank">http://www.Merchant-Account-Quotes.com</a> Specializing in allowing merchants the ability to shop and compare multiple quotes from national merchant account providers. For free quotes on merchant account rates and fees, please go to <a href="http://www.merchant-account-quotes.com" target="_blank">http://www.merchant-account-quotes.com</a>

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