A Basic Online Payment Processing Glossary

Address Verification Service (AVS) – A fraud protection service offered through MasterCard and Visa that automatically checks the billing address provided by a client up against the billing address the charge card company has on file. Once checked, AVS gives merchants a return code that indicates how good the addresses match which is as much as the merchant to evaluate the danger and choose if they would like to enable the purchase.

Batch – A selection of online transactions which are processed being a group, like orders which are batched for authorization.

Card Authorization – This simply means the procedure for checking for adequate or authorized funds inside a cardholder’s account.

Capture – The entire process of converting the entire quantity of a certified transaction right into a transaction which can be directly deposited right into a retailer’s processing account.

Charge-back – A charge-back takes place when a client disputes a transaction as well as their issuing bank or charge card company forcibly initiates the return from the funds towards the customer.

Processing Account – A processing account is a kind of banking account that enables online merchants to simply accept charge card payments directly on their site. The account functions as a contract involving the merchant, the financial institution that supplies the processing account, as well as the payment processor to settle all charge card transactions received online.

Third-Party Processors – For merchants which do not qualify or usually do not need a processing account, another-party processor is really a company that processes payments (e.g. bank cards) on the part of a merchant. With many third-party processors, clients are typically forwarded from your merchant’s web site to the payment processor’s site to finish the transaction.

Payment Gateway – Used along with a processing account, a payment gateway is definitely an online payment processing provider that really authorizes charge card payments. This is the online same as credit cards swipe machine utilized in many brick-and-mortar retail shops.

Shopping Cart Application – Shopping cart application software program is a method or program that enables online shoppers to choose multiple items online and buy them when ready. The program automatically calculates the entire cost of entire orders for customers. Shopping cart application software should be suitable for payment gateway services.

Author Bio: Paymentterms.org is an informational resource where you can find definitions of the merchant service industry terms. The glossary is regularly updated and extended, so you do not need to waste time searching for the explanation of a certain term. What is more, some payment processing industry concepts and phenomena are also described there.

How Should I Convince Management To Implement An Iso 27001 Certification

The hardest part of the ISO 27001 process is convincing the management team that an investment in information security makes sense, and is something from which they will see a return. It is practically impossible to calculate the return on investment from the implementation of ISO 27001 because there are no revenues to be made, however, a company would see cost savings instead and it is by looking at these that we can estimate the financial benefits.

Firstly you need to think of the potential cost and damage an incident could cause. This however is complex and there are many factors that need to be taken into consideration. One factor is the scope of the accident how many departments and processes would be affected, an incident could potentially take out the systems of an organisation which would cause havoc as people would not be able to work effectively. An organisation may need to invest in new equipment or materials that were damaged by the incident and employees may need retraining or may have to take time out of their day to attempt to resolve the issue. Then lastly there are the legal penalties you may well face and lost revenues from both existing and potential clients.

Once you have calculated the Single Lost Expectancy you can calculate the likelihood that such an incident would occur in order to estimate the Annual Lost Expectancy. By subtracting the amount you would have to annually pay for an ISO 27001 certification from this Annual Loss Expectancy you will be able to see in real terms if the investment is worthwhile. Again there are different elements to the security systems you need to think about the initial cost and the internal and external costs of maintenance. Of course the major advantage is that the money that you spend on implementing the systems the less likely it is that an incident will occur.

Although you can be extremely sceptical about the final figure that ISO 27001 could save you – after all how are you expected to estimate the likelihood of an event happening but the main point is that with these figures you are speaking in your managements language. By presenting clear cut figures your chance of being heard is increased because you can give them simple figures that outline the advantages in real profit and loss terms.

A Synopsis On Marketing Jobs In Singapore

Singapore has long been associated with the manufacturing industry and it is only recent that the county has been focusing on its marketing strategies for both local as well as international markets to enhance success ratio. As a result there has been a visible increase in the marketing jobs in Singapore. The demand for skilled professionals in this field rose dramatically between 2010 and 2011 which caused an increase in the institutes offering MBA and other marketing courses as well. More and more students have been opting for these courses. Since the global economic meltdown took place Singaporean companies have been considering individuals with higher years of experience apart from having impressive technical skills, for it would authenticate their quality of work.

General market predictions indicate an expansion in the presence of international companies in Singapore which would imply that employees will have to adjust to international business strategies and styles. Hence, for marketing careers in Singapore, professionals need to first understand the dynamics of the profile which can be though challenging, but also very interesting and would require lots of positive attitude on their behalf. Those interested in marketing jobs in Singapore must know the role and responsibilities of a marketing professional first.

1. A marketing expert needs to know the competitors well; a marketing professional must be adept with the latest trends, styles and new developments in his respective field.

2. Laying out marketing plan and strategies is another significant part of the job. It is not when or why, but how that matters in the field of marketing. Hence, marketing professionals must possess good thought process which can lead to generation of innovative ideas and strategic plans to be followed for products marketing.

3. What most professionals in marketing fail to do is a post-success analysis of their strategies. This is crucial for any marketing campaign to understand the result, analyze the success obtained or reasons that lead to failures and needs for improvement. For this it is important to build a metrics via which customers feedback, sales figures etc can be tracked and recorded.

The economic downfall had created ripples even in the case of a prosperous economy that of Singapore. Hence, companies are being very selective of the candidates they pick for marketing roles in Singapore. However, the good news for aspirants looking for roles in marketing jobs in Singapore is the advent of IT sector in the country. The industry has further enhanced opportunities in the field of marketing by introducing online marketing careers in Singapore. Online marketing is quicker and more widely spread method of marketing. It allows marketing professionals to spread the word to the world by a single click of their computer.

Article Marketing Strategy Make Google Sit Up And Listen

The main target of your article marketing should always be your human readers – they are, after all, the only ones “reading” your articles (whereas Google spiders merely crawl them for keywords and metatags). However, although your focus is your readers, you do also want to make your article accessible for Google. With so many regular updates and rule changes, it can be tough to keep on top of the latest SEO trends, fashions and techniques, but there are some ways you can ensure a long-term benefit to your pagerank without any fancy tricks.

If you want to increase your traffic without worrying about algorithm updates, try these simple techniques to make your articles easier to parse.

1. Straightforward Titles

Titles should convey what your article is about in a short, snappy way. If you keep your titles short and sweet, with an accurate idea of their purpose, both your readers and Google will sit up and pay attention.

Try putting your keywords towards the beginning of your title in order to grab Google’s attention – usually, placement within the first three words works best, but you can experiment to see what works for you.

2. Use Long-Tail Keywords

Your basic keyphrases will consist of 1-2 words, but your long-tail keyphrases are 3-5 words long.

For example:

Keyword: running shoes

Long-tail keywords: off trail running shoes

Whilst basic keywords are very competitive, long-tail keywords are a great way to get the edge on your rivals. Use unique long-tail keywords as topics for your articles, and you’ll soon have Google’s attention.

Build up a list of long tail keywords for your own niche, and write articles to satisfy those searches. Use the keywords in the title and in the article body, and your articles will be easy for crawlers to parse and understand.

3. Use Keywords In Your Resource Box

This is particularly useful in your HTML resource box, where you have the chance to form a hyperlink to your site, using your keywords as anchor text. Supposedly Google pays special attention to hyperlinked words, so using an HTML resource box can be an effective attention grabber for a search engine.

Make sure you use different keywords in your resource box and article, so that your keyword density stays low enough to not seem manipulative. The last thing you want to do is upset Google!

Making Google pay attention is, in a lot of ways, similar to trying to make your audience read your article – so try to think of the two in the same way. You wouldn’t try to trick a person into reading your article, so don’t try to dupe Google – you will receive an equally nasty reaction!

Often, the best ways to increase your pagerank and your readership go hand-in-hand, and involve making your articles easier to navigate. Focus on your title, topics, and HTML resource box for your keywords, and you can create an article that grabs the attention of both Google and human readers.

Best practices for making good client relations using bulk email marketing

As advertisers and marketers have understood the different basics of a bulk email marketing campaign, they may feel that they are all set to develop long-lasting customer relations. Though, a significant and missing constituent is the knowledge of customer lifecycle and how email marketing techniques should be managed at every step.

Tech savvy businesses put in place an advertising plan for every stage in order to control the value from customers, and then keep those customers for as long as possible before their concern in the company’s products and services conclude.

Here are some essential bulk email marketing best practices for developing good customer relations: 1. Provide a free email newsletter or an auto responder sequence that gives a lot of informative content and product endorsement. Try to fetch signups through social media networks and your main website.

2. Do not exceed the frequency of email promotions. Advertising campaigns that flood prospects are asking for a big spike in opt-outs and spam complaints.

3. Use bulk email marketing as a method of talking about latest trends in industry or other news that would probably be of interest to the email subscriber. Your messages should not be delicately veiled efforts to push customers toward a purchase.

4. Get in touch with the customer right away after a purchase. If the experience was affirmative, highlight those feelings and give a simple form for response along with an advantage like repeat buying discounts. If the experience was pessimistic, quickly provide alternatives to solve any issue.

5. You should deliver cross-sell and up-sell messages by providing other products from the client’s chosen brands, improved services, or new product representations. These are good techniques for enhancing the frequency and worth of active customer purchases.

6. Discover any significant point where you can notice a trend in customers’ losing attention. Maybe you can look at the breach between initial and last purchase and then time interactions to fall within the standard gap between those two interactions.

7. Remove those customers from your database who have reported a pessimistic experience with your product. The main reason for doing so is to keep away from a high number of spam complaints or opt-outs, which may influence your capability to deliver email communications at all.

8. Retention email techniques need A/B split testing to work through several variables to distinguish which arrangements such as kind of offer, the actual time duration since the very last customer action, etc. provide the best results.

9. Revenue producing emails needs some recognizable techniques, involving a clear email call to action, segmentation as deeply as probable, not exaggerating images, seeing for spam words, and showing opt-out links outstandingly.

Overall, managing a good relationship with customers, in spite of their Lifecycle position, is best provided by completely identifying what your customers need and how they will probably reply to different communications. Therefore, the companies that correctly direct their customers through every step can use this kind of online marketing technique as an influential tool to manage customer relationships.

A Marketing Company That Continues to Help

I was really happy when I hired a marketing company to help me get my apartment complex’s website to the top of the search engine results. I still use their services, but the hard work has been done, and I get to reap the rewards now. That does not mean I get to sit down though. In this business, you always have to stay on top because another company is waiting to take your spot. Because of that, I still visit Multi Family Traffic’s website so I can read their apartment community marketing ideas on their blog.

They are definitely the best at what they do, and they don’t mind sharing tips and suggestions to help people like me.

Marketing Campaign How To Come Up With One

Any business will never be able to survive without any form of marketing. But staging a marketing campaign isn’t easy. If you aren’t careful, it can bring your business down and drain all your finances.

To come up with a foolproof marketing campaign for your business, take note of these tips:

1. Create a marketing plan. What’s the main use of a marketing plan? With it you can answer the following questions:

Who are your target market?
What kinds of marketing strategies will work?
Where are the best places to promote the product?
How do you present the product to the target market?

You also need the marketing plan when you have to assess your marketing objectives. This is how you’ll know if you’re still in line with your business goals. You can also evaluate if your business goals are still sound or if you need to change them.

2. Combine online marketing and local marketing. Because the Internet is the rave, it’s common for businesspeople to solely depend on it for the marketing of their products and services. Don’t. There are still thousands of people who are not in the World Wide Web.

You also have to create and perform local marketing strategies, including giving away of business cards, putting up tarpaulins and signs, sending samples, joining fairs, or convincing friends and family to spread good words about your business.

For your online marketing, you can consider doing the following:

newsletters
e-books
website
blog
microblogging platforms like Twitter and Plurk
Facebook
article directories
directories and search engines
social bookmarks
e-mail blasts

3. Come up with a USP. What’s a USP? It stands for unique selling proposition. You have to determine what sets your product or service different from your competitor’s. Price doesn’t count as a USP, since it’s proven that customers are always willing to pay more just to get quality products or services.

Coming up with your product’s USP is very important and should be accomplished with thorough product knowledge and research. Take time. Ask for help.

4. Use subliminal messages. Do you know that you can use subliminal messages to promote your business? Many experts say that subliminal messages don’t really work in the world of advertising. I say it’s completely not true. We have already seen how it works. You hear the words “Just do it,” and you don’t think about an inspirational phrase. You think about Nike.

It’s fundamental for businesses to have their own tagline, logo, and other marketing gimmicks that customers can associate to their products and services. Don’t forget to add them to your marketing materials too. For subliminal messages to work, the customers have to be exposed to them a lot of times.

5. Keep track of your marketing campaigns. A lot of marketing campaigns require money, and all of them demand time. It’s not a good idea to spend both on those that don’t really work. You can identify which strategies are not by monitoring your marketing campaigns.

SEO marketing techniques

SEO otherwise called as search engine optimization is a sunrise industry of the 21st century. It’s the buzz word of Internet marketing .Any company that has got a website can adopt this method of marketing to increase their market awareness and thereby bring a high number of consumers towards their product or service. -Cheap SEO Services- are available in plenty across the globe. But the million dollar question is that – Will it bring the desired results? Credibility of the firm that one chooses to do its SEO services for a cheap amount has to be taken into consideration before signing the contract.

There are mainly two types of Search Engine Optimization. They are onsite optimization and offsite optimization. The competition is so high in the SEO field and it is on a growing trend as each day passes. India is one of the major countries that can provide -Cheap SEO services- at a high quality and timely delivery. This is mainly because of the fact that India has got skilled manpower that is easily available at very low wages. Moreover one who has got a basic knowledge of computers and English language can be trained to do the SEO work which is a blessing in disguise.

The major advantage of SEO is that it can bring you huge results at a very affordable cost. There are firms who do the same SEO project for a Sum of $350 dollars and also $2000. So before choosing the firm make a thorough market study and then arrive at a final decision. Automated SEO doesn’t give good results in the long run. Companies that are genuine do an organized manual work in SEO which is truly authentic and accepted by the search engines. Optimizing your website alone will not get you the desired results. The content and design of your site has to be appealing to the visitors. More importantly people will have to get something out of your website by browsing it.

If you are looking out for -Cheap SEO Services- the best option is to use search engines to figure out the best available quotes and companies in the market. You can sign up for a short term as well as long term plan. The rates will be slightly higher if your key words are highly competitive. Even though the rates might be high it is always better to chose average competitive or highly competitive keywords as they are the ones that are searched frequently and consistently across the world. As the SEO work of your website progress’s one has to make a study as to how far your website ranking and page ranking has improved.

If you need to give a global TV ad in channels like Discovery, BBC, ESPN etc it will cost you a minimum of $3000-$20000 for 10 seconds depending upon the time of the telecast. Whereas to optimize you website if you select a genuine Cheap SEO Services firm it will only cost you a total of $ 3000 to bring your website to the first page of all major search engines which can be viewed by anybody at any point of time. Many smaller companies are not aware of the reach of SEO and its benefits in the long. If awareness is created amongst the small scale business then SEO will give them a platform to do business globally.

So in general we can say that SEO is the best and cheapest means of marketing channel that is available in today’s world that can touch the hearts of billions across the world. And the icing on the cake is that there are world class companies who can provide Cheap SEO Services at the click of your mouse.

Ways To Make Self Employed Courier Jobs Work For You

The life of the successfully working independent delivery contractor needs to keep a constant eye on finances, cash flow, and a need to continuously keep looking for new work. The last can be tiring, but there is a potentially huge pool of clients to approach, and it makes all the difference if you know how to make these prospective clients come knocking at your door, instead of always vice versa.

Choose a Target

If you want to attract self employed courier jobs, you need to establish very clear targets. Your skills, routes, workload capacity and delivery expectations should come together to shape a very clear target market in your mind. The clearer and more precise this market is in your conception of your own business better yet, the more precise it is on paper in your business plan will help you understand exactly which clients you are likely to attract. If you’re unclear in this regard and aim at a broad, hazy category of prospective clients, you’re unlikely to shape your business, marketing, and job hunting in such a manner that clients who need your specific type of service will hear of you and come knocking.

Establish a Name and Reputation

Once your market has been established and your business plan has been honed to suit this market, you’ll need to advertise. Many people jump to choosing marketing strategies before taking the time to consider what exactly they are advertising and the impact it will have. Even if you know who you want to attract to get self employed courier jobs, any confusion regarding your image, brand, or name will mean your best qualities are not highlighted under the scrutiny of prospective clients. Establishing a name in the consumer or B2B marketplace means focusing your brand and advertising content around those qualities, while also differentiating yourself from your competition.

Adopt Different Strategies

There are numerous marketing avenues for people wishing to attract self employed courier jobs. Perhaps the most common involve newspapers, online exchanges, and small-scale media ads on the radio or local television. These strategies need to be evaluated in terms of their return so that you dont end up investing beyond your means. In fact, when appealing to business clients, word of mouth cannot be discounted as a vital means of advertising.

Rely on Reputation

In the end, even once you have all your marketing planning in place, self employed courier jobs will only come to you if you have the reputation that backs up your advertising. In the transportation world, within niche markets and among specific prospective clients, a cleverly marketed and viable brand is only valued if the reputation behind it can live up to the hype. The market quickly hears of weaknesses in service provision, and maintaining your vehicles, routes, reliability and professionalism are the foundations of a business that clients will actively seek out.

Why You Can’t Expect Instant Results With Social Media Marketing

Social media marketing has become essential for organisations who have been told, time and again, that they need to be on social networks, because that is where their customers are.

But what many marketers and company executives fail to understand is that, unless you start with paid advertising on social networks, social media marketing takes time to deliver results.

Sure, you can throw a whole lot of money at it and hope some of it will stick. But, like the old saying in marketing, chances are that you are wasting at least 50% of your budget in ads that may or may not be working.

That’s because social networks are not about marketing. They were not created for that purpose. The purpose of social networks is connection. They connect people to one another, helping messages spread faster through a community than ever before.

This is the aspect of social media that marketers want to capitalize on, but it is not going to translate into a significant return on investment (ROI) unless you have already built a community of people who like and trust your brand. And that takes time.

Even if you are willing to spend money on Facebook ads to get more likes or promote your products, it takes months to build a following of genuine fans who will respond to your posts and take the actions you want them to take.

In the early days, it was easier to build a large community of followers on Twitter, but of late they have begun to suspend accounts for following too many people in a single day and for other ‘suspicious practices’.

No one can blame Twitter for cutting down on this either, because when companies use it solely as a broadcasting medium for news and updates about their products, it detracts from the user experience on the network, and that is what Twitter, as a company, cares about most.

So if you start creating a presence on social media today, expecting that you will be able to get a massive response in a few weeks or even a month, you are going to be sorely disappointed.

Just like a garden that must be nurtured one plant at a time, you need to nurture your relationships with your community, one person at a time.

So start using social media for all the right reasons –

For genuinely listening to your customers

For conducting research on their needs

For answering customer queries

For providing great customer support

For sharing remarkable content

For offering exclusive deals and discounts

For creating brand advocates

If you use it for the reasons above, you will end up creating a very valuable resource, in terms of a social media community that will return the love and respect you give them many times over. And that is something that money can never buy.