Posts Tagged ‘website’
Get Traffic via Forum, Selling Yourself !
Because of the anonymous nature of the internet people are generally more skeptical when it comes to doing business online. Owing partly to famous internet scams sensationalized by the media and to bad personal experiences online, people are less likely to trust a party whom they’ve never met in person.
As an online marketer, you face the challenge of building trust and loyalty without the benefit of a physical handshake, a face-to-face meeting, or even a smile. To this end online forums can provide an excellent way to build meaningful relationships with people and attract new customers.
By joining a forum in your area of expertise, you gain access to a community that shares your interests as well as a pool of potential customers. There are countless forums dealing with just about any topic imaginable. The vast majority of forums do not charge you a fee to register or post messages. Many allow you to include with your posts self-promotional “signatures” that you can use to promote your business and link to your website.
A good way to locate a forum relevant to your line of business is to do a keyword search using one of the major search engines. Why a major search engine? A Google search for “website marketing forum,” for example, will not only return dozens of relevant forums on website marketing, but will also give you an indication of how highly they are regarded by the search engine giant, as gauged by how high they rank for that key phrase. Forums that rank higher on the search engine result pages (SERPs) are the ones of which you’ll want to become a member.
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Tags: build, forums, increase, promotion, relationships, SEO, services, traffic, website
8 Guidelines For Usability Testing
In professional web design circles, the usability testing session has become an essential component of any major project. Similar to focus groups in brand development and product launches, usability testing offers a rare opportunity to receive feedback from the very people the website is aimed at – before it’s too late to do anything about it.
But how can you get the most from these usability testing sessions?
1. Choosing Your Subjects
As with any market research project, the results will only be as good as the people you test. Do not test people from your own company, or friends and family. Go to a market research firm or temp agency and ask them to source participants to a certain profile. Make sure the market research firm does not provide the name of the company or any other details that will cloud the judgement of the participants.
2. Before The Usability Testing
As with everything in life, first impressions are vital. Each participant must be put at ease. Remember, the usability testing session is often an extremely artificial environment and, for the most beneficial and informative results, we want them to behave as if they were using the site at home or work.
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Tags: accessibility, accessible web design, css, usability, web accessibility, web credibility, web usability, website
3 Free Website Marketing Ideas – Easy And Quick
Online marketing is not cheap. You can spend thousands of dollars on Pay Per Click (Google Adwords) and thousands of site-targetted dollars (AdBrite), and you can spend thousands just buying text links from individual sites. Trust me, I’ve spent thousands on advertising.
However, my favorite form of marketing is the free kind. Anything free I like, especially if it helps my websites make more money without increasing my advertising costs.
Here are three easy and quick ways to market your website at no additional cost.
Tags: advice, article, articles, business, cards, free, internet, market, Marketing, online, web, website
Creating A Successful Business
If you are a business owner, or are contemplating starting your own business, if you don’t have a strategic plan, you are destined to fail. The creation of a effecient and effective business plan can mean the difference between having the need to work 70+ hours a week all year long – only to find out that your business is only just breaking even, or even worse, losing money.. Or being successful.
On the other end of the scale, many successful business owners and entrepreneurs who have created and implemented a business strategy generally work for less hours, and produce a more sizeable income and profit margins. You will also find, that in general, those who are successful with their own business, attribute their success to having a strategic plan.
Ok, we’ve discussed that having a good business strategy plan is essential, but what really is “strategic business management”? In its most basic form, its the process in which the goals and objectives for your business are defined, and an action plan is then created so you may reach your goals and objectives.
Tags: business, home, income, internet, keys, online, plan, profit, steps, success, wealth, website
Introduction To Ecommerce
Many people new to websites and/or ecommerce are confused at the in and outs of ecommerce. Even many people who are fairly adept at scripting can set up a store using some popular package such as OSCommerce and then are left stumped by the idea of making it work with a payment gateway to actually collect money and put it into their account. In this article, I will give a brief overview of how the system is set up to collect your money. I will then discuss briefly what to look for in evaluating payment gateways. As usual, I will keep this basic and understandable just as I do with all of my articles.
The Basics – How Funds are Collected
Ecommerce simply refers to the practice of shopping online. From the site owner’s perspective, it entails collecting funds from sales transactions on their website and depositing that money into the bank. In order to collect funds, you need to have a merchant account and a payment gateway (discussed below). Basically, when a person enters their credit card number on a website, the card number and buyer information is sent to a payment gateway. This is done securely. The payment gateway will interface with a payment processor to check availability of funds as well as any other criteria set for accepting transactions. If the funds are available, the payment processor will then deduct the funds. The payment gateway will then report back a successful transaction to the merchant, at which point the merchant’s shopping cart system will respond by displaying a “Thank You” type message to the buyer. Funds will sit until the transaction is settled, which means the funds are collected and deposited to your bank account. Until a transaction is settled, the transaction will not post to your bank account and the corresponding debit will not post to the buyer’s credit card account.
Merchant Accounts
A Merchant Account is a special type of account specifically for online retailers. They are designed to allow non-POS (point of sale) transactions using credit cards, or transactions where you don’t have the person’s credit card in hand. In other words, you don’t have a card swiper. A merchant account is not the same as a bank account. It acts as a go-between between your payment gateway and your bank account, accepting funds from credit cards which are then deposited into your bank.
A merchant account is a relationship based on trust between you and the issuing bank. The bank takes funds from the buyer’s account and deposits into your account. A payment processor takes care of checking for availability of funds and debiting from the credit card account. The bank issuing the merchant account is trusting that you will fulfill your end of the transaction by providing the product or service that the buyer purchased. In case where this does not occur, the buyer can dispute the transaction. This puts the issuing bank on the line because they are then obligated to return the funds to the buyer’s card (a chargeback). Therefore, merchant providers are taking a risk in allowing a merchant to take credit cards under their name.
The organization providing your merchant account will do underwriting on the account when you apply to check your credit. If you have a history of too many chargebacks, you may be denied. In fact, too many chargebacks can result in you, as a merchant, being put on the Terminated Merchant File (also called The Match File). This is a blacklist which will effectively prevent you from ever receiving a merchant account again.
Payment Gateways
A payment gateway serves as the front end to your merchant account, allowing you to manage funds, transactions, and the like. It also serves as a connection between your website and your merchant account. It takes data submitted via your secure order forms and presents it to your processing bank. The processing bank then approves or declines the transaction and sends its response back to the payment gateway. The payment gateway then turns around and provides this data back to the merchant for appropriate handling of the transaction. A payment gateway, then, does not offer services such as merchant accounts or shopping carts, although some of the larger-known gateways do provide such options as value-added services.
Some of the better known payment gateway services are Authorize.Net, Verisign, 2CheckOut.com, Linkpoint, Paysystems.com, Worldpay.com, and MerchantCommerce. Some of the things to look for in a payment gateway are compliance with CISP, SDP and DISC (security initiatives put out by the major credit card companies), virtual terminal (to be able to accept transactions over the phone by typing in their data rather than only relying on your website), fraud prevention, recurring billing, methods of integration, cost and whether they can accept e-checks or not.
Fraud prevention is a big one because, as stated above, too many fraudulent transactions will result in chargebacks which could end up putting you on the Match List and your merchant account closed. Some of the common fraud detection mechanisms are Address Verification (AVS) which compares the customer’s address with that on file with the issuing bank, CVV2 which makes use of the 3-digit security code on the credit card (4-digit on American Express cards).
Most gateways will provide instructions on how to interface with their servers from your web store. Most gateways offer two methods of integration.
One method is to have your site POST a form to the gateway’s server which is pre-populated with your customer’s information. At that point, the customer will provide the customer with the payment form which allows them to type in their credit card number in a secure environment. After processing occurs, the customer is then routed back to your website along with the results of the transaction. Your site again takes over the process. This method is usually easier to set up for site owners and it also means the site owner does not need to purchase their own SSL certificate (allowing secure transactions on the site itself). The tradeoff is that you do need to send your customers off of your website for payment collection. Many gateways offer ways to make the payment form look like your website using customized headers and footers, but the fact remains that the visitors are leaving your website.
The second method is totally invisible to the customer. If the site owner has an SSL certificate, they can set up security on their own site. This means they can host the payment form themselves, totally customizing it to their website. When the customer submits payment, your site will securely and invisibly submit the information to the payment gateway. The payment gateway will do the usual processing and then invisibly send the response back to the merchant’s website, allowing it to respond properly. From the customer’s perspective, they never left your website. And they never did. This type of setup requires an SSL certificate as well as access to the CURL library.
Many gateway providers can get you set up with a merchant account at the same time as the gateway. So, in most cases, you do not need to sign up for them separately.
Conclusion
Hopefully this has given you a brief introduction to how credit card payments are processed on the internet.