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Alternative payment methods

While I was getting ready for bed last night, I gazed at my rolled-up tube of toothpaste sitting on the bathroom counter, and as my eyes rolled over the brand – Aquafresh Extreme CleanTM – I thought about how consumer- buying behaviour toward toothpaste has changed in the past three decades. Remember when toothpaste was simply there to clean your teeth and prevent cavities? Today, however, toothpaste has morphed into that whole mouth-clean trend. It whitens, brightens, freshens breath, fights plaque, fights cavities, controls tartar build-up, tastes like mint or cinnamon or bubblegum.

Changing business models

The toothpaste industry has matured to satisfy the consumer. So, if a toothpaste manufacturer sticks to offering fluoride-only paste with none of the other bells and whistles, chances are that toothpaste will no longer be in demand. Today, consumers are expecting more from their toothpaste.

Gaming operators are starting to move in the same direction. Many operators are looking to offer the whole gaming product mix as opposed to one game in order to stay competitive, which partly explains why we continue to see consolidation in the online gaming sector – it allows for operators to broaden their product offerings. They may have one core product, but the movers and shakers are offering sideline activities so as not to lose their already acquired customers (that want to play a different game) to other operators.

Likewise, payment gateways, which in their simplest form used to be the switch between the merchants and the banks for Credit Card processing, are now offering other forms of online payment to satisfy their customers. Those that differentiate themselves will gain market share and continue to lead the online payment space, while those that stick to credit card processing only will surely fall behind.

Apart from secure and reliable credit card processing, the leaders are providing other forms of payment through their platform such as debit card processing, PayPal, virtual cash in the form of Ukash and/or Paysafecard, inbound bank transfers and payout solutions such as cheque and bank transfer issuing services and prepaid cards.

The top payment solution providers also facilitate the set up of your merchant account(s) with the bank(s) and provide premium fraud-management tools and data with which to protect your business from fraud.

Embracing alternative online payment methods

We have seen robust growth in alternative online payment solutions for all online merchants in the past decade, and the alternative payment market continues to grow its share of the acquiring business. Interestingly, just a decade ago, analysts and merchants did not hold up much hope for the alternative payment industry. Yankee Group analyst Christine Loebar told the Ecommerce Times in 2001 that alternative payment methods in the US, for example, were "not gathering steam". She said it was a typical catch-22 in that consumers were reluctant to adopt a new web payment method if not widely accepted online, and merchants were reluctant to set up alternative systems until consumers were comfortable using them. I should note here that emerging markets were ahead of the industrialised world in terms of alternative payment method acceptance because credit card penetration is traditionally low in these markets, especially within South America and China. However, these markets were also slower to adopt online sales in general.

Today, merchants are embracing all sorts of alternative payment methods in an effort to acquire and retain their customers. It is more a question of which alternative payment methods to implement as opposed to whether or not to use them at all.

Consumers and merchants are driving the alternative payment option market as they search for new ways to pay and get paid. For both, alternative payment offers convenience, flexibility and security. Merchants are finding that offering alternative payment options can lower their overall transaction costs, increase conversions and create new revenue streams, while reducing charge-backs and fraudulent activity.

Consumers want the merchant to accept the payment method they want to use. We know that different demographic groups tend to gravitate toward different payment options. And while alternative payment methods certainly appeal to the under-banked and un-banked for obvious reasons, all types of consumers including those that hold credit cards, are adopting convenient alternative payment methods.

The economic downturn has also contributed to alternative payments use as credit cardholders are more conscious of their credit-based spending.

As expected, online gaming operators and their players are even more driven to alternative payment platforms. The reasons are varied from the basic motive of anonymity, player profiles, and of course, the 7995-coded transaction and decline issues. Nevertheless, credit cards will continue to be crucial to an online payment strategy, and, even though "improving economy will lead some consumers back to credit card products, which may slow the growth of alternative payments", according to Javelin Strategy & Research, alternative payments are also here to stay.

Working with the right payment provider

By partnering with an international, internet payment solutions provider that understands and provides credit card processing and alternative payment options, operators can continue to focus on their game, while leveraging key benefits such as access to new global markets and payment types via one source.

As an example, if merchants want to capture the Chinese market, they must support China UnionPay (debit) since it is the predominant payment card in China. Similarly, debit card use in Germany and Poland is much higher than credit card usage so merchants doing business in these geographies must have access to the local payment brands and currencies (local currency support increases the capture rate in local markets as many cards are issued for use only with local currency). The right international payment provider can help.

Through a single integration, a good payment partner will enable merchants to work with various acquiring banks in different jurisdictions around the world for card processing (thereby lowering costs to entry) as well as enable them access to various payment types in multiple currencies, which lowers the costs and time associated with direct integrations to each payment method.

Gaining access to alternative payment options via one implementation is key. Not only is it a cost saver in terms of integration time and IT resources from the outset, but it allows the operator to spend less time on managing these payment infrastructures going forward.

One should remember, however, that it is never possible for one vendor to offer every global payment type. Operators need to zero in on what they require for their business and compare those needs against other payment requirements. Many payment solution providers, for example, do not facilitate direct merchant accounts for credit card processing, which means that the merchant will not have direct control of their funds. Other payment providers may not offer a full suite of fraud management tools, so it is important for an operator to weigh out its needs.

But clearly, there is an expectation now for payment gateways to offer a full portfolio of payment solutions. Just as the toothpaste industry transformed consumer preferences by introducing added features, best-in-breed online payment gateways shifted the thinking behind online businesses

About the Author

First Atlantic Commerce (FAC) is a leading international payment gateway, multi-currency payment, risk management, online payment solution provider. For more information on online payment gateway services visit www.firstatlanticcommerce.com

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The People's Court- "Failure to Pay Rent" Part 1

The Future of Payment Systems $96.59 The exchange of goods between human beings is one of the most natural things which dates back long before the beginning of recorded history. As trade became more frequent and complex, abstract representations for value were created and money was invented. Especially in the last decades the options available for money transfer and payments have increased. In the seventies the credit card became widespread and the growth of the Internet and ECommerce led to a great variety of electronic payment solutions. The latest trend in the payment industry are mobile and biometric payment solutions. Especially fingerprint based payment systems have been piloted and implemented in several different setups in the recent past. The case study in this book evaluates biometric payment systems based on the example of digiPROOF, a fingerprint based payment system which was piloted in 2005 at EDEKA, a large German supermarket chain. Up to now, customer reactions have been very positive and EDEKA is at the moment implementing the system in several other stores and plans to roll out the system country wide in the long run. The book presents a real life example of a fingerprint based payment system and aims at giving an academically founded but practical view on biometric payment systems to enable enhanced decision making for practicioners and managers in this area. Author: Mayer, Markus Binding Type: Paperback Number of Pages: 136 Publication Date: 2007/07/01 Language: English Dimensions: 9.61 x 6.69 x 0.29 inches

The Payment $9.99 When she snubs and embarrasses him, Dane wants nothing but to seek his revenge. In a poker game, he wins everything her brother owns but instead of taking his ranch or money, he wants his sister to marry him. His only problem though is taking her home to face his brothers because he know all hell will break out when he brings his wife home.

Schemes of Payment of Hydrological Ecosystem Services $149.76 It is frecuent to read that one stategy to resolve water supply problems is to protect natural forests in headwaters. Schemes of Payment for Hydrological Ecosystem Services (PHES) are proposed like an answer to implement this strategy. Unfortunately, these policies are supported in causeeffect assumptions without scientific evidence, and enclose the risk of generating false expectations among water users and politicians. With the target to understand the complexity involved in the design of PHES policies, this study developed a methodology to generate basic information that could be used in their design, and consisted in the next steps: 1) to review the legal framework; 2) to identify communities with water supply problems; 3) to locate springs and to delimitate their recharge area (RA); 4) to measure springs base flow; 5) to identify main land uses in the RA and to determine their hydrologic behaviour; 6) to calculate the Opportunity Cost (OC) of the land in the RA; 7) to identify highland lanlords and water users point of view regarding PHES policy implementation; 8)to establish the feasibility to implement a local scheme of PHES Author: Chagoya, Jorge Binding Type: Paperback Number of Pages: 192 Publication Date: 2010/10/29 Language: English Dimensions: 6.00 x 9.02 x 0.44 inches

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How to Install and configure osCommerce PayPal Website Payments Standard 1.0?

How to Install and configure osCommerce PayPal Website Payments Standard 1.0?
Description:
This is secure and quick-start solution for website owners to accept payments.
Using this Standard PayPal Payment method store owners need to start accepting payments via credit-cards and PayPal payments online.
Basic Requirements:
I. PHP Support Based Website/Domain with installed "osCommerce Online Merchant v2.2 RC2a"
II. E-Mail Address (The PayPal seller e-mail address to accept payments for)
Supported featured by this Module:
I. Sandbox server to perform test transactions
II. Authorization and Sale transaction methods
III. Encrypted Web Payments
IV. Instant Payment Notification
Pre-Installation Process:
Before installation you should have proper and well configured your website setting and your PayPal Account Profile.
a] Important Settings in admin:
=>Admin->Configuration->My Store
Store Name      = (The name of your store)
Store Owner      = (The name of your store owner)
E-Mail Address       = (The e-mail address of your store owner)
E-Mail From       = (The e-mail address used in (sent) e-mails)
Country        = (The country your store is located in)
Zone            = (The zone your store is located in)
Send Extra Order Emails To = (Send extra order emails)
=>Admin->Configuration->E-Mail Options
E-Mail Transport Method = (Defines if your server uses a local connection to sendmail or uses an SMTP connection via TCP/IP. Servers running on Windows and MacOS should change this setting to SMTP.)
Send E-Mails = Send out e-mails (Must set to true)
=>Admin->Configuration->Localization
Currencies = (Set your site default currency)
Languages = (Set your site default languages)
b] Important Settings in PayPal Seller Account Profile:
Login to your PayPal Seller account and go to 'Profile' in the right side click on following links:
I] Payment Receiving Preferences
=>Make necessary changes as per your requirements.
ii] Instant Payment Notification Preferences
Note: PayPal continues to generate and store IPN messages until you select Receive IPN messages again (or turn off IPN).
=>Select 'Receive IPN messages (Enabled)'
=>Enter 'Notification URL'
http://www.yoursitenamehere.com/ext/modules/payment/paypal/standard_ipn.php
Note: Taken base from payment module script line:
/------------------/
'notify_url' => tep_href_link('ext/modules/payment/paypal/standard_ipn.php', '', 'SSL', false, false),
/---------------------/
In above 'http: //www.yoursitenamehere.com' plz replace with your website url.
iii] Website Payment Preferences:
=>Under "Auto Return for Website Payments"
Select 'Auto Return On' radio button
Enter Return URL:  http://www.yoursitenamehere.com/checkout_process.php
Note:  Taken base from payment module script line:
/------------------/
'return' => tep_href_link(FILENAME_CHECKOUT_PROCESS, '', 'SSL'),
/---------------------/
Above plz enter your site return url following is the example of ‘Return Url'
iv] Payment Data Transfer (optional):
=>We recommended Set to 'On'
v] Encrypted Website Payments:
=>Recommended to set 'Off'
=>If you want this facility in your website then you must have to need to buy a SSP certificate..
V] PayPal Account Optional:
=>Recommended to set 'On'
Generally this feature is available for Buy Now, Donations, and Shopping Cart buttons..
Vi]Customise your Payment Page (Optional):
=>Here you can create  'Your Page styles' if you want to customozie your PayPal's payment pages.
5] Installation Process:
=>This 'PayPal Website Payments Standard' module version already inbuild with osCommerce 'v2.2 RC2a' version.
If you want to download this module version you can refer this link:
http://addons.oscommerce.com/info/5655
=>To install login to your website admin interface and go to:
Admin->Modules->Payment
Here Select 'PayPal Website Payments Standard' and click on 'Install' button.
After this click on 'Edit' button and configure your payment module as per your requirement.
Most Important Settings:
=>E-Mail Address
The PayPal seller e-mail address to accept payments for
=>Set Preparing Order Status:
Set the status of prepared orders made with this payment module here in this condition still payment process is not completed.
=>Set PayPal Acknowledged Order Status
Set the status of orders made with this payment module here in this condition payment is completed successfully.
=>Gateway Server:
Use the testing (sandbox) or live gateway server for transactions?
=>Transaction Method:
The processing method to use for each transaction.
Note: Recommended set to 'Sale'
=>Page Style:
Enter here you 'Page Style' name if you have created one in your PayPal Seller Account Profile.
=>Debug E-Mail Address:
Enter your Email Address where you want to receive all parameters of an Invalid IPN notification generated by PayPal.
=>Enable Encrypted Web Payments:
Recommended Set to 'False'
Note:  If you set 'Enable Encrypted Web Payments' to 'False' then you do not need to configure following options:
=>Your Private Key
=>Your Public Certificate
=>PayPals Public Certificate
=>Your PayPal Public Certificate ID
Click on 'update' button to save your setting.
That's it!
Installation process is complete.
Now you can able to use this Payment gateway in 'Sandbox' testing or Production mode.

About the Author

I believe in "Growth through customer's satisfaction. Customer's satisfaction through qualitative analysis".

We are a software development company with niche expertise area in eCommerce cart, osCommerce, Magento and Search engine optimization.

The company also holds expertise in

• SEO, Attributes handling and customization
• Security
• Shipping Module development
• Payment Module development and fix.
• Cart Analysis and suggestion to add value to your osCommerce shop.

company website is www.oscprofessionals.com .

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