Credit Card Services Resonate With Consumers
I got a great piece of advice from a retired businessman who has become my mentor and is helping me get my online business going.
He told me that many businesses fail because while the impetus may be the owner’s passion, they still have to make their customers happy. He spent some time living in Canada and he became a big fan of Canadian football. But he made the point that if he launched a football paraphernalia business and all he had was CFL stuff he’s probably go belly up.
But if he would stock NFL and American college football gear he could also stock his CFL stuff because he’d have a wider selection and a better chance of his site intersecting with the kind of things football fanatics were looking for. It is that intersection between the owner’s vision and the customers’ wants where money gets made.
Then he suddenly asked me if I was planning to accept credit cards. I told him that I wanted to get a base of business before I did so and that, in my current business plan I was going to install merchant services around nine months in.
He smiled in a very understanding way and asked if I knew what the statistics were on online credit card use and I told him the figure I saw – 80 percent of everything bought online is paid for using a credit card.
He then asked me how Internet shoppers were supposed to know the difference between my new business and the competition. I didn’t have an answer for that one, which led him to his next point. While there might be some sound thinking in delaying the cash-outlay for credit card merchant services from a business standpoint, no one shopping my site would care.
They would only see that they shpped on a site that somehow got their interest, but didn’t have credit card processing. And they would probably not ask when they should come back – they would click away and never return.
It was all about the point of intersection making a difference – they want to pay by credit card and I have an ecommerce merchant account capability. And then he really drove his point home.
While my business was my passion, did I want to make money? He knew the answer, but the point he was making was that online credit card processing is a proven way to drive business, sales and profits. And since a vast majority of online purchases are made using a credit card wouldn’t it make sense to make a leap of faith and have credit card processing from day one?
The more he talked the more I was starting to look at my business like a ‘net shopper and not a ‘net store owner. When I shop online I almost always pay using a credit card. In fact, I can’t remember the last time I used anything but a credit card. So why would I not offer the same services I look for?
Jim Osterman is a Web content developer with Charge.com, a merchant services company that provides innovative credit card processing solutions.
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April 2nd, 2009 at 12:08 pm
I worked there for about 3 months in 1999. Like the other person said the pay is decent, but I left because I wanted better hours and not have to work every other weekend. If you don't mind people calling to yell and cuss you out about their bill statement, then you will do just fine!
April 2nd, 2009 at 12:24 pm
find and contact a korean business group and ask them
April 2nd, 2009 at 1:04 pm
I would rather write a check. This way, I will have a good prove backed by the bank that I did make a payment for the services.
I would find it highly suspicious if a payment needs to be made in cash. Usually, contractors who cheat on the income taxes do that. I would rather not give my credit card number. The reason for that, I am not sure at all how privately the contractor will store this information, and if it will be easily accessible by others.
Personal check would be the best way for me to pay.
April 2nd, 2009 at 1:03 pm
I am convinced people do not understand the message of this video.
They shouldn’t be able to get even ONE goddamn video, let alone 5!
Why the **** are we required to enter our effin zip code if doesn’t matter what the fuck numbers we enter? this is my whole point and nothing but the point, other than REDBOX can give a shit about this security flaw which still exists to this hour!
April 2nd, 2009 at 11:05 pm
It depends whether your bank has closed shop completely, or they closed shop and sold your account to another bank.
If they closed shop, then they might be declaring bankruptcy. I don't think you'd be impacted.
If they sold your account, then the other bank has the right to collect on the money that you owe.
Either way, it's simply like this: as long as you have a balance on your [credit card] account, you WILL be charged interest.
April 3rd, 2009 at 12:40 pm
check out propay.com I use them faithfully and have never had a problem with there service or the fees. The annual membership amount depends upon the amount of processing you think you are going to do. You also have the choice of transferring your money to your checking account or a debit card.
April 4th, 2009 at 6:02 am
No.
April 4th, 2009 at 8:26 am
I found a huge online list of Ohio credit card resources. http://www.howtofindcreditcard.com/Ohio-Credit-Cards.html Try calling a local company and they hopefully answer your questions.
April 4th, 2009 at 1:08 pm
Yes, anywhere Visa is accepted.
April 5th, 2009 at 8:08 pm
You can still try the following:
1. Have the customers pay by check or Money Order. If you want you can ship the goods after you receive the payment. Make it known to the customer upfront how this works.
2. You can always get paid upfront like a monthly fee (if that suits your business) by check and then let them use the service or whatever you offer for a full month, then you expect your check again, every month.
3. You can offer free service and get paid by Advertisers, by check or money order.
Hope that helps.