Wireless Credit Card Machines

The Meaning Of Credit Card Numbers
By Ron King

If you take a close look at your credit cards, you'll probably
wonder what all those numbers stand for. Every digit actually
stands for something specific. Let's have a look at each of
those numbers in sequence.

The First Digit

Gasoline cards, department store cards and phone cards have
their own programs.

The major credit card companies operate on a standardized
system for assigning credit card numbers. The first digit in
the series will always be a 3, 4, 5 or 6. This number
designates the type of card you have. For instance, a 3 means
it's a travel and entertainment card, such as American Express
or Diners Club. A 4 is Visa and Visa-branded debit cards, cash
cards; a 5 is MasterCard and MasterCard-branded debit cards,
cash cards; and 6 is Discover.

The Other Numbers

American Express and Diners Club use the second digit to
identify the company. That means that Diners Club cards will
start with either 36 or 38, and American Express cards will
lead off with 34 or 37.

The remaining numbers in the series are used for other
purposes, depending upon the card type and issuer. Generally,
the numbers grouped after the opening series is the routing
number of the bank and the next group is the user's account
number. The final digit is special -- a check digit. This is a
number calculated by applying a specific formula, and it is
used as a fraud check.

Look At Your Card

American Express uses digits 3 and 4 for business or personal
card type and the currency of the cardholder's country of
origin. Digits 5 through 11 are the account number. Digits 12
through 14 show the card number attached to that account. The
last digit is, of course, the check digit.

Visa uses digits 2 through 6 for the bank number. Beginning
with digit 7 and running through 12 or 15, they're the account
number, and the last number is the check digit. The number of
digits in a group may vary because Visa cards don't all have
the same number of digits.

With MasterCard, the second digit through digit 3 (to as high
as 6) is the bank number. All remaining digits, except the end
check digit, identifies the cardholder's account.

And that's it. A slightly complex system necessary to track
billions of credit cards across the globe.

About the Author: Ron King is a full-time researcher, writer,
and web developer. Visit http://www.new-credit-card-now.com to
learn more about this fascinating subject. Copyright 2005 Ron
King. This article may be reprinted if the resource box is left
intact.

Source: http://www.isnare.com

Wireless Credit Card Machines

How Wireless Handheld Credit Card Processing Can Save Your Business Time and Money
By [http://ezinearticles.com/?expert=Gerald_Schiano]Gerald Schiano

If you are in a service business, how often do you invoice someone and wait 30, 60, 90+ days to get paid. How often do you never get paid? Many of you might already appreciate the benefits of accepting Visa/Mastercard, Amex, and Discover, but currently call in/key in credit card transactions. The fact that a physical credit card is not swiped is costing your business money. It is considered a higher risk transaction and your discount rate will be higher on a non-swiped card transaction. The solution that will save your company time and money is the wireless credit card terminal.

Wireless networks have evolved to the point where they are now very comprehensive and cost effective. The following list of professions could benefit substantially from wireless processing: plumbers, locksmiths, taxis, limo’s, pizza delivery, home parties, trade show participants, flea market merchants, contractors, electricians, snow plowing, lawn maintenance and photographers. The list is endless!

We all know that it is much more appetizing to spend a little more money when you use plastic. Credit Cards also make it more possible for an impulse purchase. For example, we are currently quoting an aerial photographer that takes beautiful pictures of homes in New England, then sells the finished product to the homeowner. A wireless terminal will surely increase his business and grab many of those impulse buyers that might not have purchased with cash on hand.

In closing, many industries could benefit from a wireless hand held credit card terminal. As always, do your research before purchasing and demand that your credit card processor educate you on all aspects of your contract!

Gerald Schiano is a consultant with United Bankcard of New England. He can be reached for a complimentary analysis of your businesses current credit card processing statement or a bid on new service. [http://www.unitedbankcardlowrates.com]http://www.unitedbankcardlowrates.com, [mailto:consult@unitedbankcardlowrates.com]consult@unitedbankcardlowrates.com, http://stores.ebay.com/UBC-of-NE-Accept-Credit-Cards-Now 401-404-5600

There is a reason UBC is the sixth fastest growing private company in the INC 500. Great Service & Great Pricing!

United Bankcard of New England is a proud Agent for United Bankcard a registered ISO/MSP of First National Bank Of Omaha

Article Source: http://EzineArticles.com/?expert=Gerald_Schiano http://EzineArticles.com/?How-Wireless-Handheld-Credit-Card-Processing-Can-Save-Your-Business-Time-and-Money&id=392853

Wireless Credit Card Terminal

Credit Card Processing Security Concerns
By Debbie Dragon

As an online merchant accepting credit card payments, you have
numerous security issues that you must be aware of for the
safety of your business and your consumers. At this time, there
are two main aspects of credit card security for credit card
processing, including “AVS” and “CVV”. Both allow credit card
transactions to be completed anonymously over the internet, and
any merchant accepting credit cards online should require both
forms of information of your customers.

Address Verification Service

The “AVS”, or address verification service, is used to
determine that the address provided by a customer matches the
address associated with a credit card account. This helps
generate confidence that the person who is entering the credit
card details is the person who owns it. While the AVS is not
required to process credit card transactions, when it is
provided the transaction processor will send a response back
with details of how much of the address provided matches the
address on the credit card.

A credit card will not be denied if the address is entered
wrong, it is up to the merchant to decide what to do if the
address only matches partially or not at all. You can deny the
sale, or require the buyer submit additional information, or
give them the opportunity to correct the address information,
before processing the transaction.

Card Verification Value

The “CVV”, or card verification value, sometimes referred to as
the CVV-2 is a three to four digit number found on the back of
American Express, MasterCard and Visa cards. It’s on the card
but not on any statements, so that if an individual has found a
credit card statement in the trash, they aren’t able to complete
a sale that requires the CVV code for verification purposes.
When a customer is able to enter the CVV code, it’s a strong
indication that the customer has the credit card in hand, which
increases the potential of the card belonging to the person who
is attempting to use it to make a purchase online.

Most credit card fraud online occurs when a thief has found a
discarded receipt or a thrown out credit card statement, but by
requiring the CVV code, the merchant can eliminate that type of
fraud.

If a CVV number is entered and is incorrect, the transaction
will be declined by the credit card issuer.

Providing Consumers with Top Security

If you are going to accept credit cards online for payment for
products or services offered through your website, it’s
imperative that you provide your customers with a guarantee that
you’re protecting their credit card information.

Credit card processing typically requires that the customer’s
information is transferred about four times, which means there
are four instances when someone could gain access to the
cardholder’s details.
When a customer first sends the credit card information to you
via your checkout or web based form. You are solely responsible
for security as the internet merchant, at this stage in the
credit card transaction process. Having a secure server and a
valid security certificate with the https protocol will protect
and encrypt private information you receive from customers.

You will want to be sure that the credit card transaction
processing software you use for your business is secure by using
a reputable processing company.
As customer information is moved in and out of a database
through the transaction process, the security must be top of the
line- and this is ensured by choosing a solid company that
offers encrypted software for this part of the process.

Finally, when customer credit card information is viewed or
handled by you or your staff, it’s important that you ensure
security at this stage as well.

About the Author: This article has been provided courtesy of
Creditor Web, http://www.creditorweb.com .

Source: http://www.isnare.com

Wireless Credit Card Machines

Guaranteed Credit Cards – Use Them Wisely
By [http://ezinearticles.com/?expert=Joseph_Kenny]Joseph Kenny

Credit cards are becoming increasingly vital in a wide range of situations. Have you ever tried to rent a car, or shop online without one? It’s not easy. In fact, with the growth of shopping online, more frequent international travel, and people paying for goods and services over the phone, it is almost vital for an increasing number of people to have access to credit cards.

There are therefore, plenty of valid reasons why anybody would want a credit card these days. Gone are the days when credit cards were seen as the preserve of the rich, or very big spenders, who liked to bankrupt themselves, or spend a fortune on shopping sprees. These days, people need credit cards simply to go about their business without being stuck in situations where they have no methods of payment available to them in an increasing number of situations.

Guaranteed credit cards are a phenomenon that is becoming increasingly popular. It has come to the UK from the United States, as most credit card variations have done. For people with bad credit ratings, guaranteed credit cards are extremely attractive. There are adds on the television, the internet and pretty much everywhere, that guarantee credit cards to everyone that applies for them, regardless of whether or not they seem to be in a position to afford them.

You should approach these offers with great caution. If you think about the steps that most lenders take, you will be forced to become suspicious of guaranteed credit cards. Most lenders carefully assess the risk involved whenever they lend out money. They look at your credit history, how much you earn, how much you owe and many other factors. If they find that you are of high risk, then they will either refuse to lend to you, or change the terms of the credit so that you provide them with extra security or pay higher interest rates or both.

If you hear of credit card providers that seem to be willing to forgo this important step, and simply lend you the money without looking into your finances and credit history at all, then you can be pretty sure that the interest rate will be very high. As well as high interest rates however, there will be other terms and conditions that will be less attractive than usual. You will be subject to very high penalty fees for late payment and these lenders will also be probably very fast to refer you to debt collection agencies. Therefore, if you do opt for this, then be careful, and use the card wisely.

Joe Kenny writes for Credit Card Guide, offering the latest information on credit cards in the UK, visit them today us to apply for [http://www.cardguide.co.uk/transfers.html]balance transfer credit cards and start clearing credit card debt today.

Visit today: http://www.cardguide.co.uk/

Article Source: http://EzineArticles.com/?expert=Joseph_Kenny http://EzineArticles.com/?Guaranteed-Credit-Cards---Use-Them-Wisely&id=213376

Wireless Credit Card Terminal

Buying Credit Card Terminals
By [http://ezinearticles.com/?expert=Kent_Pinkerton]Kent Pinkerton

A credit card terminal is an indispensable device for your business. Major features of a credit card terminal are its price, speed, and reliability. There are three major types of terminals - traditional, wireless, and virtual. Each of them has its own features and functions. Modern credit card terminals require electricity and telephone lines. The price of a basic terminal ranges between $150 and $300. Terminals with printers vary from $200 to $600. For wireless terminals, the cost is ranges from $600 to $1,000. AVS (address verification system) is a standard feature on most credit card terminals- so it is advisable not to buy a terminal without it. While purchasing wireless terminals, important factors to be considered are battery life, weight, range, and shock-resistance.

Credit card terminals are perfect for businesses of all sizes. They come in different models. Businesses already using credit card terminals need to buy extra equipments to maintain additional services such as debit card transactions and issuing and accepting gift cards. Always keep your terminals clean. Dust, crumbs, and especially paper lint can quickly block printers and gum up stripe readers.

If you choose to buy your credit card terminal online, do some preparatory research at the outset. You should consider shipping charges and any other hidden costs involved. It is a good idea to compare prices online. Also, check the warranty and customer care services. You may also consider upgrading your existing machine rather than buying a totally new one. It is advisable that you go through online reviews from knowledgeable sources. [http://www.e-CreditCardTerminals.com]Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with [http://www.i-CreditCardProcessing.com]Credit Card Processing Software.

Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton http://EzineArticles.com/?Buying-Credit-Card-Terminals&id=353175

Wireless Credit Card Machines

Online Credit Card Application Methods
By Morgan Hamilton

With so many things to discuss about credit cards, you get to
know more about the pros and cons of having one. In spite of
the disadvantages however, it is realistic to say that it is a
helpful tool for everybody to manage expenses. There’s no
denying it. Credit cards are one of the main tools in
purchasing goods and services today.

You can apply for credit cards directly to the credit card
companies by filing up their information and application
sheets. Thanks to technology, it plays its role again of
providing convenient and easy to use services.

You can now find and apply for credit cards online. By simply
clicking on your mouse, you can now have an access to different
credit card companies available in the internet. You can also
transact business from a multitude of banks available in the
network.

If you have an Internet connection at home, you have the
greatest advantage over other people. Almost a majority of the
banks features an online application system via the Internet.
One good thing about these banks is that they are willing to
approve the credit cards within 30 seconds or even less.

The process of online application is simple. After you
accomplish all the necessary prerequisites that you need to
furnish, the website will send you through email the result of
your application in just a few seconds.

In order for you to find out the types of credit cards that you
can avail, try to search in the net. You have plenty of options.
Every credit card company is obliged to post the entire copy of
their terms and conditions. You can also check on it on the
Internet. Some of the sites do not post their annual charges so
beware about this.

If your problem is your previous bad credit, worry no more
about it. Even in online credit card application, they offer a
special credit card for people with such status. Nevertheless,
there are certain restraints that are set for you unless you
recover from your bad credit record.

As of now, more and more people are applying for credit cards
online. Part of the reason for doing such is the speed and
convenience of doing so. Another reason is that, you can choose
from a wide variety of credit card companies. The sites are
providing all the possible names of the companies that offer
online credit card application.

Credit card application is easy. Everyday, an additional
website posts all the needed information in the net. Therefore,
you will have an access to a huge number of sites, if you want
to shop around, it will be easier for you.

After you have decided on which type of card you want to avail,
you click on the site of the credit card company and fill in
your details. You will be asked about your personal data of
course, be honest as possible in filing it for legality
purposes.

They will check your application, review it and do a credit
assessment. If they find all the information about yourself
satisfying and they believe in your credibility, they will
instantly accept your application. There are some rules that
you also need to comply with credit card online application.
You can find them online in their website. These rules vary
from one credit card company to another.

Like direct application of credit card in credit card
companies, always abide with the regulations that they set for
you. This is also same with your credit card application
online.

About the Author: Morgan Hamilton offers expert advice and
great tips regarding all aspects concerning Credit Cards. Get
the information you are seeking now by visiting
http://www.findqualitycreditcards.com/issuers/mbna

Source: http://www.isnare.com

Wireless Credit Card machines

Credit Card Processing
By [http://www.i-CreditCardProcessing.com]Thomas Morva

Nowadays, almost all establishments accept credit card payments. This is because many consumers make their purchases using their credit cards, and establishments who do not accept credit card payments risks losing potential sales. Given this, it is then essential for any company that intends to sell products in the market to make sure that their stores can accept credit payments. There’s good news, though! Today, accepting credit cards is usually a fairly easy process because companies can gain access to the tools that they need to be able to process credit card payments from a number of sources.

Setting up a merchant account

The first step in accepting credit cards is setting up a merchant account. This will involve locating the right merchant account provider or credit card processor. Many businesses do this through the banks where they do their business banking. However, not all banks provide credit card processing services.

A good source of information is any trade associations that a business belongs to, which may have negotiated rates with a certain credit card processor that the business could contact. Another good source of leads is from other businesses that already accept credit card payments. On the other hand, given that most processors aggressively pursue clients especially start up companies, it is most likely that these processors will contact new business owners and offer them their services.

In deciding on which credit card processor to use, it is a good idea to employ canvassing strategies, which includes interviewing each credit processor and asking them questions that can help business owners pick the right processor. Some of these questions include asking them about their fees, their rates, and other services that they provide their clients. After which, business owners then should analyze which processor can give them the best deal for the credit card processing services that they are offering.

Nowadays, no business establishment should be without credit card processing capabilities. This is because given that most people make many of their purchases using their credit cards, establishments that do not accept credit card payments risk losing a significant number of sales. The good news is that today, the tools that businesses need to be able to accept credit card payments, which includes merchant accounts, are easily accessible, as there are a large number of companies that provide credit card processing services. [http://www.i-CreditCardProcessing.com]Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with [http://www.e-CreditCardTerminals.com]Wireless Credit Card Terminals.

Article Source: http://EzineArticles.com/?expert=Thomas_Morva http://EzineArticles.com/?Credit-Card-Processing&id=255743

Wireless Credit Card Machines

Online Credit Card Account Access
By Adam Goldman

Credit cards, the Internet and online services all pave the
path towards a new era of technological advancements and
commercialised lifestyles. Nowadays, you won’t have to fly
halfway around the world or drive across town to purchase
authentic gifts for a loved one. Instead, you can just order it
online at home. Your gift will be wrapped and delivered right to
your door step. All you need is a secure connection, a working
credit card account and a little understanding of how to manage
an online account.

In fact, if you find it hard to keep your bills in order or
can’t find the time to drop in at the bank, then having an
online credit card account is the best way to solve your
problems. With this, you can actually manage all your finances
without you ever leaving your office, or even your desk. You
can make instant payments on the spot, check past transactions
easily and immediately print statements that would regularly
take weeks to get to your mailbox.

With all this convenience, anyone is bound to worry about the
security of having an online credit card account. If you are
able to access your account with your name, ID or a simple
password, it is possible for a thief who has the right
combination of these elements to access to your account. Thus,
it is important that you do not give out your personal
information to strangers or even callers over the phone.

Also, before you enter any sensitive information on your
browser, ensure that your browser is a secured browser that
utilizes Secure Sockets Layer (SSL) that encrypts data before
transmitting it to the server. Most banking websites utilize
secured web pages indicated by a locked padlock sign at the
bottom of the browser. Naturally, credit card users are advised
to not make financial transactions over public computers. Online
access can be a godsend to most of us who lead a busy lifestyle
but if we are not careful, we may lose our finances and
property to thieving scoundrels at the click of a mouse.

About the Author: Adam Goldman recommends Find Credit Cards for
finding a Visa card application. See
http://www.findcreditcards.org/issuer/visa.php for more
information

Source: http://www.isnare.com

Wireless Credit Card Machines

Credit Card Processing Accessories
By Kent Pinkerton

Credit card processing accessories include a magnetic stripe reader, a keypad to enter prices and other information, and a small display. The printer can be either built-in or a separate unit. Traditional credit card terminals have different types of displays. Larger displays allow you see more information at once. Displays are usually measured in lines and columns. An 8 x 20 display has 8 lines of text in 20 columns. Backlit display is a standard feature in most new terminals. It lets you to see the terminal even in low light.

Keypads vary in size and number of keys. Larger keypads are very easy to use. There are many types of printers including dot matrix receipt printers, thermal receipt printers, and inkjet receipt printers. Credit card processing terminals are available with integrated fast thermal printer with automatic feeding system. Some of them have four users programmable function soft keys which help better interaction and built-in fast printer.

Credit card processing terminals are compact machines. Accessories such as integrated smart card readers, plug-in battery charger, and power cords are essential components. For virtual credit card terminals, phone or fax, software, computer, and internet connections are necessary. A credit card processing terminal that has a PIN pad can accept debit cards. Card reader cleaners and surge protectors are other credit card processing accessories. Printer paper, ribbons and ink cartridges, mounts and stackers, manual imprinters and imprinter slips, power packs, and cables are also indispensable credit card processing accessories.

There are a number of manufacturers who provide credit card processing accessories. They supply customers various quality solutions to suit their growing needs. Most of them are warranted against defects in material and workmanship for a period of years from the date of shipment.

Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.

Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Credit-Card-Processing-Accessories&id=353176

Wireless Credit Card Machines

Virtual Credit Card Terminals
By [http://ezinearticles.com/?expert=Kent_Pinkerton]Kent Pinkerton

Virtual credit card terminals are the best means for processing credit card payments. They are perfect for any business that accepts credit card payments by phone, fax or e-mail. Virtual credit card terminals are a safe, browser-based interface that allows you to authorize, process, and manage credit card transactions, using any computer with an Internet connection. You do not need a physical credit card terminal.

As they reduce complexity and expenses, virtual credit card terminals are suitable for businesses of all sizes. They are commonly used in utility companies, mail order businesses, call center operations, newspapers and magazines, insurance companies, charities, and service companies. With virtual credit card terminals, you can manually enter credit card transactions for mail or phone order sales, refund money to a customer's credit card, automatically bill customers for recurring charges, check the status of transactions, run a variety of reports, and capture previously authorized transaction.

Virtual terminals are software-based credit card terminals enabling you to quickly capture and authorize credit card transactions in real time. When the process is complete, the merchant receives an authorization number and the server stores the transaction details. Transactions are automatically settled at the end of the day and the reports are generated within two to three business days.

Compared with POS (point of sale) terminals, virtual credit card terminals are very fast. Other features of virtual credit card terminals include address verification service, customer and merchant email notifications, recurring payments, and detailed reporting capabilities. Automatic item sub-total calculation, credit card swipe card option, automatic tax calculation, automatic shipping calculation, item discount calculator, billing and shipping data fields, and coupon or rebate calculator are the added features of virtual credit card terminals.

Unlike other software packages, virtual credit card terminals do not need licensing fees and fees for upgrades and customer service. The cost is always associated with authorizing and processing of credit card transactions. Most software-based credit card terminals utilize flash memory to store the software. [http://www.e-CreditCardTerminals.com]Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with [http://www.i-CreditCardProcessing.com]Credit Card Processing Software.

Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178

Wireless Credit Card Terminals

Virtual Credit Card Terminals
By [http://ezinearticles.com/?expert=Kent_Pinkerton]Kent Pinkerton

Virtual credit card terminals are the best means for processing credit card payments. They are perfect for any business that accepts credit card payments by phone, fax or e-mail. Virtual credit card terminals are a safe, browser-based interface that allows you to authorize, process, and manage credit card transactions, using any computer with an Internet connection. You do not need a physical credit card terminal.

As they reduce complexity and expenses, virtual credit card terminals are suitable for businesses of all sizes. They are commonly used in utility companies, mail order businesses, call center operations, newspapers and magazines, insurance companies, charities, and service companies. With virtual credit card terminals, you can manually enter credit card transactions for mail or phone order sales, refund money to a customer's credit card, automatically bill customers for recurring charges, check the status of transactions, run a variety of reports, and capture previously authorized transaction.

Virtual terminals are software-based credit card terminals enabling you to quickly capture and authorize credit card transactions in real time. When the process is complete, the merchant receives an authorization number and the server stores the transaction details. Transactions are automatically settled at the end of the day and the reports are generated within two to three business days.

Compared with POS (point of sale) terminals, virtual credit card terminals are very fast. Other features of virtual credit card terminals include address verification service, customer and merchant email notifications, recurring payments, and detailed reporting capabilities. Automatic item sub-total calculation, credit card swipe card option, automatic tax calculation, automatic shipping calculation, item discount calculator, billing and shipping data fields, and coupon or rebate calculator are the added features of virtual credit card terminals.

Unlike other software packages, virtual credit card terminals do not need licensing fees and fees for upgrades and customer service. The cost is always associated with authorizing and processing of credit card transactions. Most software-based credit card terminals utilize flash memory to store the software. [http://www.e-CreditCardTerminals.com]Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with [http://www.i-CreditCardProcessing.com]Credit Card Processing Software.

Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178

Wireless Credit Card Machines

Virtual Credit Card Terminals
By [http://ezinearticles.com/?expert=Kent_Pinkerton]Kent Pinkerton

Virtual credit card terminals are the best means for processing credit card payments. They are perfect for any business that accepts credit card payments by phone, fax or e-mail. Virtual credit card terminals are a safe, browser-based interface that allows you to authorize, process, and manage credit card transactions, using any computer with an Internet connection. You do not need a physical credit card terminal.

As they reduce complexity and expenses, virtual credit card terminals are suitable for businesses of all sizes. They are commonly used in utility companies, mail order businesses, call center operations, newspapers and magazines, insurance companies, charities, and service companies. With virtual credit card terminals, you can manually enter credit card transactions for mail or phone order sales, refund money to a customer's credit card, automatically bill customers for recurring charges, check the status of transactions, run a variety of reports, and capture previously authorized transaction.

Virtual terminals are software-based credit card terminals enabling you to quickly capture and authorize credit card transactions in real time. When the process is complete, the merchant receives an authorization number and the server stores the transaction details. Transactions are automatically settled at the end of the day and the reports are generated within two to three business days.

Compared with POS (point of sale) terminals, virtual credit card terminals are very fast. Other features of virtual credit card terminals include address verification service, customer and merchant email notifications, recurring payments, and detailed reporting capabilities. Automatic item sub-total calculation, credit card swipe card option, automatic tax calculation, automatic shipping calculation, item discount calculator, billing and shipping data fields, and coupon or rebate calculator are the added features of virtual credit card terminals.

Unlike other software packages, virtual credit card terminals do not need licensing fees and fees for upgrades and customer service. The cost is always associated with authorizing and processing of credit card transactions. Most software-based credit card terminals utilize flash memory to store the software. [http://www.e-CreditCardTerminals.com]Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with [http://www.i-CreditCardProcessing.com]Credit Card Processing Software.

Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton http://EzineArticles.com/?Virtual-Credit-Card-Terminals&id=353178

Wireless Credit Card Machines

Mobile Credit Card Processing Equipment
By Thomas Morva

In today's business environment, credit card processing equipment is an essential tool for completing an online transaction. Compared to traditional credit card processing services, mobile credit card processing ensures faster payment, increases overall sales and credibility, and saves a lot of money. A well maintained mobile credit card processing equipment is a must for such transactions. Mobile credit card machines are useful for those merchants who like to take their business to the customers. The functioning of a mobile credit card machine is simple. By swiping the customer's credit card through the mobile credit card processing equipment, all the transaction processes are done automatically in real time. When the merchant gets the authorization, a printed receipt is given to the customer.

Mobile credit card processing equipment helps in accepting payments through online credit cards as well as by telephone. With its state-of-the-art technology, mobile credit card processing equipment provides a secure payment gateway that enables fraud screening and also real time reporting of every transaction. For an online transaction, only a virtual terminal is needed. This enables you to get all the services through the Internet.

Mobile credit card processing equipment has certain added advantages when compared to traditional wireless merchant accounts. They include low monthly charges, low processing fee and no monthly minimum processing charge. Today, the wireless mobile credit card processing equipment is the latest in convenience and portability.

Many business concerns sign a contract with mobile credit card processing equipment companies for their services. These contracts might be for 2 to 5 years, a fact which is often unknown to the firm. Consequently, if a firm needs to terminate a contract, a cancellation fee is charged by these companies. So care should be while choosing the services of such companies.

Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.

Article Source: http://EzineArticles.com/?expert=Thomas_Morva
http://EzineArticles.com/?Mobile-Credit-Card-Processing-Equipment&id=353158

Wireless Credit Card Machines

Merchant Account - Credit Card Processing for Your Business
By Jimmy Wilson

Merchant Accounts allow you to conduct business online or offline with confidence to both you and your customers. Your merchant account is designed to make your business transactions a smooth exchange of goods and/or services for a payment method of credit cards, debit cards, online payment centers, faxes, or over the phone transactions.

Credit Card Processing can be much easier to set up for your online business, unless you choose to go through conventional means as you would for a brick and mortar business. If you need actual credit card processing terminals for the card swipe method, you can apply for that card processing separately.

A Merchant Account allows you the freedom of accepting credit card purchases and you don't have to wonder if the customer's account is in good standing, before you make the transaction. This is a must have in today's economy. More and more online customers are choosing to bank and purchase online, so in order to be conduct your business successfully, a merchant account is essential.

A merchant account provider gives you everything you need to get started accepting credit cards... with a payment gateway, usually with set-up fees and percentage rates per transaction charges. You need to check around for the best merchant account providers and see what they charge for set-up and processing your credit card transactions.

As you expand your merchant account, you may see a need for a credit card terminal, phone order processing, and/or a wireless credit card processor. This should also be a consideration for anticipated expansion to your business when shopping initially for a merchant account provider.
A Discount Merchant Account Provider is where you will find your best deals. With any business just starting out, the merchant account provider should grow with your business and when the time is right for your business to expand, you can rest assured your initial merchant account provider can make the necessary changes with you.

A good way to know a merchant account provider is reputable, check with the Better Business Bureau Online for feedback about the merchant account provider's scoring and if they have a high or low record of complaints. Obviously, all merchant account holders have had some bad dealings with dissatisfied customers, but the percentage rate will reflect whether they have too many to consider normal or average. Other questions you should ask:

_______________________________________________________

- What kind of merchant businesses do you accept?

- What if I have less than perfect credit?

- What credit cards will my merchant account be able to accept?

- Do I need a business license?

- What is the merchant discount rate?

- What is the Address Verification System?

- Will I receive a merchant account statement?

- How will I receive my money?

- How do I apply for a merchant account?

- How long does the approval process take?

- Is there a service phone number that I can call if I need help?

_______________________________________________________

For more information about opening a merchant account http://wealthsmith.com/merchant-account-credit-card-processing.htm

Jim has found a total package merchant account set-up ideal for entrepreneurs wanting to get started with a great opportunity. http://wealthsmith.com/merchant-account-credit-card-processing.htm

Article Source: http://EzineArticles.com/?expert=Jimmy_Wilson
http://EzineArticles.com/?Merchant-Account---Credit-Card-Processing-for-Your-Business&id=388597

Wireless Credit Card Machines

How To Apply For A Credit Card.
By Terje Ellingsen

There are lots of places you can apply for a credit card. With
the great competition in the credit card market, almost any
credit card company is pushing their card offers almost
anywhere. Especially at certain times of the year like
Christmas time and other holiday shopping seasons or the first
weeks of college and schools etc. They even attatch small
treats if you fill in an application. Should you jump into the
first offer you get and fill in an application form or should
you go home, sit down, relax and think a little before you fill
in a credit card application form? I recommend that you choose
the last mentioned option.

To make a really good deal on credit cards you have to

know which factors that make a good credit card deal

compare different credit card deals or offers

Included on all credit card application forms are parts written
in fine print. Ongoing and enthusiastic salesman or woman will
tell you what a fantastic deal their offer is and will probably
not even mention this print. However, it's you who are signing
the deal and it is your responsibility to know what you're
signing. If you are going to check one single thing, it should
be the APR. Credit companies often tempt you with a low
introductory APR. It is the long term APR you should compare,
not the short term.

Also make sure that you only deal with a serious credit card
company and be aware of scammers. It goes without saying, that
you shouldn't apply for a credit card just because of having
one. Only apply for it if you need it.

Which information do you have to give away when applying for a
credit card? Most credit card companies require as little as

your name

your address

your social security number

any previous addresses you may have had

This information will be sufficient for the credit company to
check out your credit history, which will be the main criteria
for approval or denial. Be aware that the APR will often vary
according to which credit score you have; the higher score the
lower APR. This is the way the credit companies level down the
risk following a low credit score.

Like I said in the beginning of this article you can get credit
card offers almost everywhere. Banks, Credit Companies and other
companies and often with special bonuses at their warehouses and
stores. The easiest way to access whichever credit card company
you prefer is through the internet.

About the Author: Terje Brooks Ellingsen is a writer and
internet publisher. He runs the website
http://www.1st-in-loan.net Terje gives advice and helps people
with personal financial issues like credit card applications,
see http://www.1st-in-loan.net/credit_card_offer.htm and
obtaining low APR mortgages, see
http://www.1st-in-loan.net/online_mortgage.htm

Source: http://www.isnare.com

Wireless Credit Card Machines

Credit Card Processing Accessories
By Kent Pinkerton

Credit card processing accessories include a magnetic stripe reader, a keypad to enter prices and other information, and a small display. The printer can be either built-in or a separate unit. Traditional credit card terminals have different types of displays. Larger displays allow you see more information at once. Displays are usually measured in lines and columns. An 8 x 20 display has 8 lines of text in 20 columns. Backlit display is a standard feature in most new terminals. It lets you to see the terminal even in low light.

Keypads vary in size and number of keys. Larger keypads are very easy to use. There are many types of printers including dot matrix receipt printers, thermal receipt printers, and inkjet receipt printers. Credit card processing terminals are available with integrated fast thermal printer with automatic feeding system. Some of them have four users programmable function soft keys which help better interaction and built-in fast printer.

Credit card processing terminals are compact machines. Accessories such as integrated smart card readers, plug-in battery charger, and power cords are essential components. For virtual credit card terminals, phone or fax, software, computer, and internet connections are necessary. A credit card processing terminal that has a PIN pad can accept debit cards. Card reader cleaners and surge protectors are other credit card processing accessories. Printer paper, ribbons and ink cartridges, mounts and stackers, manual imprinters and imprinter slips, power packs, and cables are also indispensable credit card processing accessories.

There are a number of manufacturers who provide credit card processing accessories. They supply customers various quality solutions to suit their growing needs. Most of them are warranted against defects in material and workmanship for a period of years from the date of shipment.

Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.

Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton
http://EzineArticles.com/?Credit-Card-Processing-Accessories&id=353176

Wireless Credit Card Machines

How Smart Cards Increase Security by Beth Derkowitz

The traditional credit card is a great tool for making purchasing easy for both the retailer and the customer. But in this drive to be simple, there have been questions about the security of the system. In Europe, more transactions are being placed with the use of smart cards. And with all of their advantages, this might be something that the United States should begin to consider.

What is a Smart Card?

A smart card looks just like a regular credit card, but instead of the magnetic strip on the back of a piece of plastic, it has a tiny microprocessor underneath a gold contact pad. It's a small computer that stores all of the information that a retailer might need.

This microprocessor allows the main computer host to 'talk' with the card to get the information that it needs. And unlike the traditional magnetic strip, it's much more difficult to remove or steal information from a smart card. Many thieves can actually buy cheap equipment and get information from the magnetic strip on a regular credit card, but not with a smart card.

How is this safer?

Because your information can not be gathered from a smart card without your authorization, your financial information as well as personal information is safe. In fact, this is the same technology that is used in satellite TV so that you can get the channels that you have paid for. Without the payment, the host won't 'talk' to the smart card.

Other applications include health benefit cards (in Europe), government identification, security systems, electronic cash, banking, wireless communication, and credit cards.

The cards can also be used with a smart card reader when you are making purchases over the Internet to further insure that your information is safe and secure. Simply attach a reader to your computer and create your own 'cash' register.

Smart card readers can also be found in vending machines and cellular phones.

With a smart card, you don't have to worry about your credit information each time you want to make a purchase and you don't have to worry if you lose the card. You will still report it as stolen, but the thief will not be able to do much with it since he or she won't know the information that is contained on it and how to release it.
About the Author

Beth Derkowitz recommends Find Credit Cards for finding a Discover rewards credit card that's right for you.

Wireless Credit Card Machines

Credit Card Machine Buying Tips
By John Morris

The credit card is preferred by most people when paying for purchases and services because of its safety, security and ease of use. The use of credit cards is growing exponentially fueled by the growth of e-commerce and the increasing usage of credit cards in business-to-business transactions. Accepting credit cards in a business has many advantages. Not only will it help expand your consumer base, it will also provide an easier and more convenient alternative to paying by cash or check. When you accept credit cards, funds can be transferred to your bank account as soon as possible. If you are planning to sell online, accepting credit cards is a necessity.

Credit card processing equipments essential to any business, especially in today’s fast-paced lifestyle. In whatever business, the exploding use of credit cards and debit cards necessitates an investment on a reliable and secure credit card machine. There are a number of companies you can consider when shopping for a credit card processor such as banks, third party credit card processors, independent sales organizations, financial service providers and associations. Inquire about credit card processing equipment and make an informed choice when you decide to purchase.

I. Pervasive Technology

Credit card machines are being used extensively in almost every store and restaurant. These equipments are of great help to businesses as they process credit cards efficiently and securely. There is a huge variety of credit card processing equipment available in the market today and picking the right one appropriate for your business can be a challenge. If you are in the market for a credit card processing equipment, there are some simple tips you can follow to help you find the perfect credit card machine that will serve your intended purpose excellently. With the plethora of credit card machine options available, you might find it hard to decide on what credit card machine to buy. Here’s a simple guide to buying a credit card machine.

II. Buying Advice:

1. Buy, Don't Lease

Credit card machines are not really that costly, usually at the $100-$1000 price range. Consider a credit card machine as a worthwhile investment in your business. Although, there are credit card machine leases available from some merchant account providers. Leasing a credit card terminal may cost you much more in the long run than buying your own unit.

2. Get Battery Backup

Be prepared for any eventuality. In case your store or business establishment experiences a power interruption, you would still want to be able to process customer transactions. Buy a credit card machine with a reliable backup battery to ensure that you can continue to do business even when you lose electrical power.

3. Purchase A Credit Card Machine With A Fast Modem

Credit cards are supposed to make transactions faster and more convenient. Thus, a fast modem that can send data and authorize transactions quickly is a top requirement in a credit card machine. You might shell out more for a credit card machine with a 9600-baud modem, but it is worth the money and our customers will definitely appreciate it too.

4. Ensure It Can Handle Smart Cards

Smart cards are becoming increasingly popular and are considered the future of credit cards. Smart cards include credit, debit, and other information in a card with a microchip in it instead of a magnetic stripe.

5. Flash Memory Is Recommended

For better functionality, choose a credit card machine that use flash memory to store the operating software. This will allow for convenient software downloads and installation and increase the longevity of the equipment.

6. Ensure It Can Handle Debit Transactions

Some customers might prefer paying by debit. For this purpose, you will need a credit card machine with a built-in PIN keypad. You can also consider a separate PIN keypad which your customers can access easily while keeping the credit card processing equipment out of reach.

7. Get An Imprinter As A Backup

This could prove useful in case your store or business establishment loses power or phone service. You can still continue to do business even if you are in the field processing customer transactions.

For more great credit card machine related articles and resources check out http://www.creditcardmachinehq.com

Article Source: http://EzineArticles.com/?expert=John_Morris
http://EzineArticles.com/?Credit-Card-Machine-Buying-Tips&id=151575

Wireless Credit Card Machines

Defeating Credit Card Debt With Self Control
By Roy Thomsitt

Credit card debt is a major social problem in some Western
countries. To rid yourself of credit card debt, it is best to
recognize the problem as both a social and individual problem.

If you are overburdened with credit card debt, or are in danger
of becoming so, it is very easy to see it purely as an
individual problem, one from which you may be suffering both
physically and mentally. Worry and stress can be silent
marauders into your physical and mental well being. Debt can
undoubtedly cause both worry and stress, not just to the
debtor, but their immediate families too.

Why Should You Care About The Social Causes of Credit Card
Debt?

If you wish to overcome your credit card debt problem, you will
benefit from removing some of the social influences. They are a
major influence on the way you react, think and behave. Remove
the social influences, and you take a big stride in your
journey to eliminate your debt.

I do not, of course, mean remove the root causes of credit card
debt. You cannot do that. What I am referring to is to prevent
the social influences from penetrating you and taking over your
life. As an individual, you have the right to resist social
influences where they are harmful. The liberal, unfettered use
of credit cards is an influence you will benefit from
resisting.

Just by being fully aware of the social influences, you have
made an important step. You will more likely be on your guard,
and by asserting your individuality, you are more likely to
overcome or prevent the credit card debt problem.

What Are The Social Causes Of Credit Card Debt?

You could spend years analyzing the credit card debt problem.
Here are just a few of the influences at work in the society
around you:

1. Credit card interest rates are high, therefore the profits
can be high. Banks and other credit card issuers are after
their slice of that big money, including from you. They can
therefore justify big marketing budgets to get your money. I
deliberately do not say “get your business”. You will resist
better if you think “they are after my money.”

2. It is very easy to get credit cards, multiple credit cards
in fact. Issuers of credit cards make it easy for you, if you
have had no debt problems in the past. If they seem to take it
lightly, it is understandable that their customers do too. But
remember, they take the risk factors into account when setting
interest rates. That’s why they are so high.

3. Your friends, neighbours and work colleagues will probably
all have multiple credit cards, talk about them and flash them
around from time to time. That can all influence your own
attitude to credit card debt. 4. Depending on what country you
are in, yours may be a “have now, pay later” society. Immediate
gratification can take precedence over common sense. If everyone
else is doing it, it surely must be right? Wrong. Especially if
the interest rates are too high.

5. You see other people buy new furniture, go on exotic
vacations, or go out to expensive restaurants all the time.
Even if you never know if they are doing so on credit card, you
may want the same. But you do not have the immediate cash, so
what do you do? Jump on the credit card train? That is what
your society may be pushing you towards.

How To Resist the Social Pressures To Succumb To Credit Card
Debt

Due to the overwhelming pressures of the credit card society,
it can be quite a difficult task, initially, to change your own
attitudes. But by asserting your individuality, you can steadily
eliminate the social conditioning. It is really a matter of how
you think in certain situations. You are in charge of the way
you think, so all you need to do is what is natural. Not what
everyone else seems to be doing around you, but what is natural
to you as an individual. Think to protect yourself, assert
yourself, and to look after your financial well being.

Here are a few ideas to help you:

1. Whatever type of loan you may apply for, you are after just
one product, money. Different types of loans are marketed as
separate products, in different packages, but to you, they
should all be one: money. The money, once you have it, is all
the same quality. A dollar is a dollar, a pound is a pound, a
euro is a euro. Having engrained that upon yourself, knowing
you are just after this single product, you need only look at
price. Credit card debt is very, very expensive. The interest
takes money from you, and reduces your assets. If you need a
loan, you want the lowest possible interest rate, one that does
not unnecessarily leech your assets.

2. A credit card should only be used as a convenience to pay if
you have no cash on you, knowing that you can pay off the
balance before interest charges kick in. Many cards have an
interest free period. Never use credit cards as a loan beyond
that free period. Others do, but you have no need to. You can
eliminate that idea altogether. You are creating a new habit
that will enhance your financial situation, and resisting an
old common habit that would ultimately damage your finances.

3. Plan all your borrowing. Sit down and write down what you
absolutely must buy over the next year, and add what you would
like to buy. Total the cost. Write down a budget for each
month, making sure you have listed all your regular expenses
that are fixed and unavoidable, and those over which there is
some flexibility. Compare that total with your income. If you
have a surplus, then you can think about those extra purchases
you had in mind. If not, don’t think any more about them. You
cannot afford them, and cannot afford to borrow.

If you have a planned surplus, then maybe you can get those
things you wanted. If you can afford all of them, and there are
quite a few items on your list, then forget about getting a
loan. Be patient, resist the have now pay later syndrome. You
can save interest and buy a bonus item with that later if you
really must. You are in a great position to pay cash.
Prioritize the things you want to buy, and note their cost, and
then work out a plan by which you buy one item at a time spread
throughout the year. Why pay the banks credit, when you can pay
cash? You will save not just the interest but maybe get cash
discounts. Cash gives you control. With credit you are
subservient.

If, on the other hand, there are just one or two more expensive
items you want to buy, it is time to compare options and test
your resolve. If you save your surplus each month, consider how
long it will take to have enough for item 1 and maybe item 2.
Are they really urgent? Probably not. Maybe you can save for
one after 4 months and 2 after 9 months. That way you are
getting into the habit of saving, and living off cash. Cash is
king. Your finances will start to look good over time, and
you’ll start to feel proud of yourself. You will feel in
control.

Remember too that by saving, if an emergency comes up, you may
have the cash at hand instead of reaching for that expensive
credit card.

You really cannot wait and save? That is a pity, but now check
out all the loan sources suitable for your intended purchases.
Get the best plan, the best interest rates, and apply, with the
intention of using that loan just for what it is intended, and
to pay it off within the time scale of the spending plan. In
the example one year. Stick to that discipline, and your credit
is still under your control. And, you have avoided reliance on
expensive credit cards.

4. Remind yourself every day that you are only going to use
your credit card when you have no cash on you, as a
convenience, and you will repay it before interest starts to
accrue.

5. Also remind yourself every day that sometimes it is good, or
even necessary, to be that bit different, and to resist social
pressures. Imagine all the credit card lemmings heading towards
the precipice, while you relax in your counting house, counting
out your money. Real money; your assets. Anyway, it’s great
sometimes to be different, it really does make you feel good
about yourself.

6. Never, ever feel you have to buy something just because a
neighbour or friend has been boasting about theirs. Envy and
jealousy are viruses that minimize your individuality, and can,
in this case, damage your finances.

Resisting the pressures of the credit card society will be a
lot easier once you have set your mind to it, and started to
feel the benefits. Enjoy the process, and you will be a cash
convert for the rest of your affluent life.

About the Author: Roy Thomsitt is the owner and part author of
http://www.eliminate-credit-card-debt-now.com

Source: http://www.isnare.com

Wireless Credit Card Machines

Tips For Choosing A Credit Card Company
By John Daley

Credit Cards are essential for any consumer today. However,
when choosing a new credit card company, many people do not
know what to look for. It is important to have a good company
because bad credit card companies can lead users into quite a
bit of trouble. Whether you are a college student getting your
first credit card, or someone looking to switch, choosing the
company and type is very important. These few tips should help
make your decision easier.



1. Pay attention to interest rates. In truth, all credit card
interest rates are ridiculous. However, it is always a good
idea to choose the best interest rate for your needs. If you
think you may have the potential to miss a payment or two, then
a lower interest rate will suit your needs better than a higher
interest rates. If you are completely confident in your ability
to pay credit card debts off immediately, than interest rates
should not be a problem. Always look for the median interest
rate. Credit card companies offering extremely low interest
rates may have other hidden charges. Extremely high interest
rates are simply nonsensical.

2. The type of credit card must also be taken into account.
Different credit card types have different offers. Major cards
like American Express, Visa, Master Card, and Discover all have
their positive and negative elements. Along with the type comes
the credit card plan. Some credit cards are designed for
college students, and have special bonuses for grades. Other
credit cards offer reward points for shopping at a certain
store. Always go for the credit card promotion that fits you
best. If you eat frequently at a certain restaurant, then maybe
a credit card offering reward points for that restaurant is a
good idea.

3. Keep in mind the bank associated with the credit card, and
the credit card company’s policies on security. Identity theft
is a large issue and continues to increase. Be sure that your
bank has specific security plans to keep your personal
information safe. In the event of credit card fraud, it is
always good to have a company with great identity theft
policies. Some credit card companies will work tirelessly to
correct the identity theft problem and clear your name. Other
companies may not be so eager to give up their time and money
to protect your credit status.

4. Lastly, keep in mind some tricks credit card carriers may
employ. Some banks will attempt to destabilize someone with
good credit by sending their bills at different times. Other
credit card companies will offer great rewards, but have hidden
fees and high interest rates. It is always good to see a
company’s policy on late payment. Some companies will take
advantage of a late payment by raising interest rates
drastically and severely injuring your credit. Never be afraid
to read the fine print of any credit card agreement, because
you might find something that you don’t agree with.

Getting a new credit card can be scary. Credit is a big deal
because it dictates what you are able to borrow and do
financially. However, with careful planning and
decision-making, you will surely get a credit card that is
worth having.

About the Author: John Daley is very interested in financial
topics and gives advice on credit cards. Learn more at
http://www.creditcardlowdown.com .

Source: http://www.isnare.com

Wireless Credit Card Machines

Reduce Operating Costs, Gain efficiency, and Compete Effectively with VoIP
By Hadi Shavarini

Imagine phones (that look like regular phones as we-know-it-today) connecting to the Internet via an Ethernet jack (similar to a PC) instead of the phone plug on the wall. These are called IP-based phones. These phones do not use analog phone lines - instead they get connected to the Internet. One would pick up the receiver and make a phone call just as it is done today and VoIP converts the human voice into IP packets (data similar to email data) and pushes it out through the Internet to the phone switch where it is terminated. In a nut shell, VoIP digitalizes voice into data packets, sending them and reconverting them back into voice at destination.

What are the benefits of VoIP and why you should consider it? To compete effectively in the eWorld, a decent businesses infrastructure MUST HAVE two essential components: A High-speed Internet connection and a sophisticated phone system.

Up until now, to build a solid infrastructure, small businesses had to spend lots of money for having multiple phone lines, perhaps an 800 line, fax line, credit card machine, to name a few. These days the ONLY essential component to worry about is having a reliable high-speed Internet connection. Connectivity can be addressed with either cable or DSL service (typically $250 per month) through cable providers such as Comcast, RCN, etc. and DSL can be provided through the Verizons of the world. The good news is that with the arrival of VoIP, there is no need to pay a dime for multiple phone lines, any phone system (PBX), any local/long distance calls, phone maintenance, etc. At 30% to 50% less than the cost of a typical phone system, a VoIP system will provide a more sophisticated system with increased functionality than any analog phone system. It offers an enterprise-level system that was affordable ONLY by fortune 500 companies. Now small businesses can compete like big corporations at a fraction of the cost!

Small businesses are beginning to realize that IP-based phone system streamlines their communications needs and their call flow in ways that was not possible a year ago. As a result they can improve the customer experience and combined with wireless IP communications, employees can become completely mobile. The beauty of it is that IP enables the phone to be anywhere – this is a perfect solution for companies with remote/satellite offices who wish to have one uniform phone system for all employees regardless of their location.

There's a whole list of benefits unlocked by VoIP beyond the obvious. One of the most important advantages of using VoIP is reliable continuity. Imagine having a system that can stay operational through the Sept. 11 attacks in New York, or the August blackout and a whole list of building failures by the central phone system. In a typical VoIP system the main elements of the network are offsite, they're automatically protected from these sort of issues. Another benefit is, unlike a traditional phone system [Time-Division Multiplexed TDM], where the environment is a common point of failure, in a VoIP it is very easy to put in redundancy in which all clients connect to the outside world by more than one path. This guarantees phone connectivity and no call is ever lost.

IP telephony lowers the costs of communications system tremendously while increases productivity in more ways than one. Consider a world where ALL communications, including eMail, voice messages, conference calls, and/or even wireless devices can be integrated through a single system where employees, no matter of the location, can be contacted. For companies with multiple locations, VoIP system can eliminate the need for several receptionists – which is growing in popularity.

The benefits of VoIP are endless. It eliminates the need for having an expensive PBX system; it saves time and resources associated with the maintenance & supporting such systems; it removes the hassle of dealing with phone companies; on and on … while offering a superior phone system at 30 to 50% of the cost.

Hadi Shavarini is the General Manager and co-founder of Blue Robin Inc.- Building eBusiness Infrastructures. Blue Robin offers cost effective enterprise-level VoIP systems. Hadi Shavarini has been involved with VoIP development since 2002. http://www.bluerobininc.com

Article Source: http://EzineArticles.com/?expert=Hadi_Shavarini
http://EzineArticles.com/?Reduce-Operating-Costs,-Gain-efficiency,-and-Compete-Effectively-with-VoIP&id=147790

Wireless Credit Card Machines

How to Start a Paper Shredding Business
By Randy Wilson

Paper Shredding Business Opportunities are blossoming up everywhere because in recent years, privacy concerns and new policies have forced companies all over the country to invest in paper shredding services. Large corporations and small are in need of shredding services.

Even in many homes, people have purchased small, trash can sized paper shredders for mail and receipts. Most businesses will not be able to shred the material they have by purchasing one of these same machines. First, the small machines are not capable of the volume. Secondly, companies in general are downsizing staff and it is unlikely that they are going to pay someone to feed documents into a tiny shredder all day.

That is where you come in. Investing in a paper shredding business now is like buying a gold mine. The list of documents the Federal Government says must be destroyed is getting lengthier everyday. Every time you sign a document, be it a job application or a credit card receipt, there is a time limit that the receiving company has to hold that document. After that time limit, they are required by law to destroy, or shred, that document.

Large corporations can take in thousands of signed resumes' a year. Restaurants and retail outlets that have not gone to electronic signature devices can have thousands of credit card receipts a month. Think of all the banking records that come due for destruction every week. Now think about the amount of tax documents that need to be rotated and destroyed every year. These are just a few examples of the growing necessity of paper shredding businesses for confidential document destruction.

Mobile shredders are a fantastic investment, as the shredding device is built into the back of a large truck trailer for onsite paper shredding. This allows the shredding company owner to go to the client for onsite shredding. Companies spend thousands of dollars warehousing these documents that often get kept years past their required time because no one wants to deal with all that paper. Mobile paper shredding would allow you to go directly to their warehouse or storage facility. Clients will appreciate not having to pay someone else to have all of this information brought to you.

Even in this electronic age, there are still things that will be in paper form. Recorded documents and legal papers are still required to have pen and ink signature. Many companies are even having computer components such as hard drives and floppy disks shredded for security purposes. The federal government requires such stringent privacy laws due to identity theft and fraud, that nearly any document with a name and address on it must be destroyed after a certain period of time. This continuing process virtually guarantees that a confidential paper disposal service would thrive in the right hands.

Time limits for document destruction will play in your favor as well. Nearly every set of documents has a different holding date. For example, resumes and cover letters have a hold date of one year, if the applicant was not hired. Hired applicants can have part of their file destroyed in three years, for example, the application and some privacy statements. Corporations as well as individuals are required to keep tax records on file for three years. Companies that process financial data, such as banks and paid tax services, will always have documents that are in need of destruction. This gives you the perfect opportunity for a home employment paper shredding business.

Things to consider when thinking about a paper shredding business will depend on what type of service you wish to offer. Having a fixed location where people can bring their records to you for destruction is one idea. However, it is worth considering purchasing a mobile shredding unit in addition to this or even as the sole business operation. Mobile paper shredding will allow you to be even more flexible to your clients needs.

The demand in this industry will only be growing in the coming years as laws and policies change. It is clear that this is a growing enterprise. Be it on site shredding with a mobile shredding unit, or a permanent paper shredding location, you can be sure that there is a public in need of this critical service.

© Copyright Randy Wilson, All Rights Reserved.

Randy has dozens of home based business articles such as Best Home Based Internet Business, Ebay Money Making Tips and Medical Billing Service.

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Wireless Credit Card Machines

Online Credit Card Account Access
By Adam Goldman

Credit cards, the Internet and online services all pave the
path towards a new era of technological advancements and
commercialised lifestyles. Nowadays, you won’t have to fly
halfway around the world or drive across town to purchase
authentic gifts for a loved one. Instead, you can just order it
online at home. Your gift will be wrapped and delivered right to
your door step. All you need is a secure connection, a working
credit card account and a little understanding of how to manage
an online account.

In fact, if you find it hard to keep your bills in order or
can’t find the time to drop in at the bank, then having an
online credit card account is the best way to solve your
problems. With this, you can actually manage all your finances
without you ever leaving your office, or even your desk. You
can make instant payments on the spot, check past transactions
easily and immediately print statements that would regularly
take weeks to get to your mailbox.

With all this convenience, anyone is bound to worry about the
security of having an online credit card account. If you are
able to access your account with your name, ID or a simple
password, it is possible for a thief who has the right
combination of these elements to access to your account. Thus,
it is important that you do not give out your personal
information to strangers or even callers over the phone.

Also, before you enter any sensitive information on your
browser, ensure that your browser is a secured browser that
utilizes Secure Sockets Layer (SSL) that encrypts data before
transmitting it to the server. Most banking websites utilize
secured web pages indicated by a locked padlock sign at the
bottom of the browser. Naturally, credit card users are advised
to not make financial transactions over public computers. Online
access can be a godsend to most of us who lead a busy lifestyle
but if we are not careful, we may lose our finances and
property to thieving scoundrels at the click of a mouse.

About the Author: Adam Goldman recommends Find Credit Cards for
finding a Visa card application. See
http://www.findcreditcards.org/issuer/visa.php for more
information

Source: http://www.isnare.com

Wireless Credit Card Machines

Identity Theft: Don't Be A Victim!
By Matthew Keegan

Moments after stepping out of the taxi, Rachel plunged through the entranceway of the hotel lobby eager to put behind what had been a terribly exhausting day. Flight delays due to weather had caused her LAX-MDW-BWI trip to take nearly eleven hours to complete. All she could think of was taking off her shoes to relieve her aching feet and dipping them into soothing, warm bath water.

The line at the front desk was mercifully short. One clerk caught Rachel's attention and signaled her forward — she gave him her reservation information and then dug out her American Express card for payment. As he stepped away to verify its authenticity Rachel's eyes surveyed the lobby. "They've updated everything since I was last here", she thought. Her concentration, clouded by fatigue, was now on the mission style tables, chairs, and light fixtures, which had replaced the heavy, wooden furniture previously occupying the lobby. "Here is your card and room key, ma'am," the clerk interrupted minutes later. Quickly, Rachel stuffed her card back into her wallet, gathered her bags and whisked away to her room.

Rachel was a victim of identity theft that night, but did not know it at the time. Had she kept a watchful eye on what her clerk was doing instead of studying the lobby, she might have noticed him switching cards on her. At the very least, she would have seen that the card handed to her beneath her room key was not her own.

Identity theft is an exploding problem that has increased exponentially in this technological age. Particularly since the early 1990s thieves have been taking advantage of what we would consider every day transactions: writing a check at the grocery store, ordering merchandise via the internet, applying for a credit card, using your cell phone, and more. Each transaction requires you to share personal information: your bank and credit card account numbers; your income, your Social Security Number (SSN); and your name, address, and phone numbers.

An identity thief will lift some piece of your personal information and appropriate it without your knowledge to commit fraud or theft. One of the most common methods is when the identity thief uses your personal information to open a credit card account in your name.

The Federal Trade Commission is the arm of the federal government tasked with overseeing the problem of identity theft. A special hotline number (1-877-IDTHEFT) was created for consumers to call to place your information in a database which is accessible with other law enforcement agencies and private entities, including any companies about which you may complain. Additionally, an ID Theft Affidavit — a form you can use to alert companies where a new account was opened in your name — can be filled out and given to the company. This affidavit is available online to consumers.

Identity thieves can get your personal information in a number of ways:

* They steal wallets and purse containing your i.d. and credit and bank cards.

* They steal your mail, including your bank and credit card statements, pre-approved credit offers, telephone calling cards and tax information.

* They complete a "change of address form" to divert your mail to another location.

* They rummage through your trash, or the trash of businesses, for personal data in a practice known as "dumpster diving."

* They fraudulently obtain your credit report by posing as a landlord, employer or someone else who may have a legitimate need for — and a legal right to — the information.

* They get your business or personnel records at work.

* They find personal information in your home.

* They use personal information you share on the internet.

* They buy your personal information from "inside" sources. For example, an identity thief may pay a store employee for information about you that appears on an application for goods, services or credit.

Identity thieves will then take the personal information they have obtained about you and use it in a number of different ways:

* They will call your credit card issuer and, pretending to be you, ask to change the mailing address on your credit card account. The imposter then runs up charges on your account. Because your bills are being sent to the new address, it may take some time before you realize that there is a problem.

* They open a new credit card account, using your name, date of birth and SSN. When they sue the credit card and don't pay the bills, the delinquent account is reported on your credit report.

* They establish phone or wireless service in your name.

* They open a bank account in your name and write bad checks on that account.

* They file for bankruptcy under your name to avoid paying debts they have incurred under your name, or to avoid eviction.

* They counterfeit checks or debits cards, and drain your bank account.

* They buy cars by taking out auto loans in your name.

Fortunately for Rachel, American Express covered her losses. Although she didn't find out about the theft until she reached her home in California, American Express suspended her account when a number of suspicious charges appeared and she couldn’t be reached by them to verify the charges. Their fraud department left a message on her phone answering machine instructing her to call them and, when she did, Rachel was notified that someone else was using her card. When she explained that she had the card in her possession, she checked her purse and found a card for someone else instead.

Visa, MasterCard and American Express absorb the cost of fraud as long as they are notified by the consumer [certain restrictions may apply — check with your card issuer for specific details]. Had Rachel used a debit card, the story might have been much different. Unlike a credit card, the debit card takes a direct hit on your bank account, meaning that you will have to absorb the loss.

So, all is well with Rachel, right? Sure, American Express overnighted a new card with a new account number for Rachel to use on her next trip, but the problem could very well have continued — and deepened — had she not taken three more steps recommended by the Federal Trade Commission:

First, contact the fraud departments of each of the three major credit bureaus. Tell them that you are a victim of identity theft. Request that a "fraud alert" be placed in your file, as well as a victim's statement asking that creditors call you before opening any new accounts or changing your existing accounts. This can help prevent an identity thief from opening additional accounts in your name.

At the same time, order copies of your credit reports from the credit bureaus. Credit bureaus must give you a free copy of your report if your report is inaccurate because of fraud, and you make that request in writing. Review your reports carefully to make sure no additional fraudulent accounts have been opened in your name or unauthorized changes made to your existing accounts.

Second, contact the creditors for any accounts that have been tampered with or opened fraudulently. Creditors can include credit card companies, phone companies and other utilities, and banks and other lenders.

Third, if possible, file a report with your local police or the police in the community where the identity theft took place. Get a copy of the police report in case the bank, credit card company or others need proof of the crime. Even if the police are unable to catch the thief, the report can be helpful when dealing with creditors.

In summation, identity theft is a problem that is causing businesses and consumers billions of dollars per year. As a result, higher interest rates and an increase in the cost of goods and services is passed on to consumers. So, do not be a victim — protect yourself from identity theft by remaining alert especially when a third party is handling your personal information.

Matthew Keegan is the owner of a successful web design and marketing company based in North Carolina, USA. He manages several sites including the Corporate Flight Attendant Community at http://www.corporateflyer.net and the Aviation Employment Board at http://www.aviationemploymentboard.net This article originally appeared in the Summer 2002 issue of the Flight Attendant News.

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Wireless Credit Card Machines

Electronic Credit Card Processing
By Thomas Morva

The success of an online business depends on the process of accepting credit card payments. This type of payment permits you to attract both impulsive buyers and casual surfers alike. It also guarantees that you get timely payment.

Electronic credit card processing facilities handle orders directly through the Internet. This is normally a complex deal that needs the coordination of many things such as your website, your consumer?s credit card company, a payment gateway, and an account into which credits are deposited. Electronic card processing is safe and secure, and it provides the best customer service.

Three major types of electronic credit card processing are available. The first type uses a virtual machine that allows manual addition of mail. The second type involves a simple integration technique that links your site directly to the credit card and bank system. The third type uses a means for custom-linking your system to other more complex systems using a transaction gateway server.

Credit cards can be processed either in real-time or in a collective manner (batch processing). Electronic credit card processing generally has excellent real-time processing speed. The business is processed instantly and the consumer knows whether or not his card is accepted. But real-time processing has greater risk of fraud, since anybody can use a stolen card before it is reported stolen. Another disadvantage is that you cannot accept any order when the electronic credit card processor's server fails. Batch processing is ideal for smaller businesses. Here, many credit card transactions are processed jointly at a later time. The risk of fraud is moderately low.

Today, many companies offer fast, reliable and safe electronic credit card processing services. Each will work with almost all major credit cards, including Mastercard, Visa, American Express and Discover.

Credit Card Processing provides detailed information on Credit Card Processing, Online Credit Card Processing, Credit Card Processing Software, Wireless Credit Card Processing and more. Credit Card Processing is affiliated with Wireless Credit Card Terminals.

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Wireless Credit Card Machines

Credit Card Processing Accessories
By Kent Pinkerton

Credit card processing accessories include a magnetic stripe reader, a keypad to enter prices and other information, and a small display. The printer can be either built-in or a separate unit. Traditional credit card terminals have different types of displays. Larger displays allow you see more information at once. Displays are usually measured in lines and columns. An 8 x 20 display has 8 lines of text in 20 columns. Backlit display is a standard feature in most new terminals. It lets you to see the terminal even in low light.

Keypads vary in size and number of keys. Larger keypads are very easy to use. There are many types of printers including dot matrix receipt printers, thermal receipt printers, and inkjet receipt printers. Credit card processing terminals are available with integrated fast thermal printer with automatic feeding system. Some of them have four users programmable function soft keys which help better interaction and built-in fast printer.

Credit card processing terminals are compact machines. Accessories such as integrated smart card readers, plug-in battery charger, and power cords are essential components. For virtual credit card terminals, phone or fax, software, computer, and internet connections are necessary. A credit card processing terminal that has a PIN pad can accept debit cards. Card reader cleaners and surge protectors are other credit card processing accessories. Printer paper, ribbons and ink cartridges, mounts and stackers, manual imprinters and imprinter slips, power packs, and cables are also indispensable credit card processing accessories.

There are a number of manufacturers who provide credit card processing accessories. They supply customers various quality solutions to suit their growing needs. Most of them are warranted against defects in material and workmanship for a period of years from the date of shipment.

Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with Credit Card Processing Software.

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