Credit Card Processing How the System Works

Establishing a merchant account for your business enterprise is the wisest financial decision you will ever make for the growth, expansion and success of your business. Once you’ve set up a merchant account, you can accept credit and debit cards payments from your clients for your products and / or services. You can also arrange to accept online and mobile banking payments for your products and / or services.

A merchant account opens up new avenues for your business; therefore, giving your business many more opportunities to flourish. But, have you ever understood how the credit card processing system works? Have you tried to perceive the complexities of the players involved in the process and the intricacies of the system?

While it is not entirely essential for you to know the inside and outside of the card processing system because your Merchant Service Provider will do the needful for you; it is good for you to acquaint yourself with the system on a general basis.

The Participants Involved in a Card Transaction

A typical credit or debit card transaction involves the following players:

The customer
The merchant
The payment gateway
The customer’s credit card issuer
The credit card interchange
The processor at the acquiring bank
The merchant’s acquiring bank

The Route the Money Takes from the Customer to the Merchant

Let’s take an example to understand how the card processing system works.

Suppose that a customer walks into a clothing store and she finds a bag that catches her eye. She immediately proceeds to the payment counter and makes a payment of $100 towards her purchase with her cards.

The cashier at the merchant’s store accepts the cards and uses a card swiping machine to set the process into motion.

The $100 amount makes its first stop at the payment gateway where the payment is first authorized with a minor deduction in the amount.

Now, $99 travels to the appropriate processor and after a minor deduction is submitted to the card interchange as $98.5.

Once the transaction gets a clear at the interchange, it moves on to the issuing bank with a further deduction where the issuing bank verifies the availability of funds in the customer’s credit / debit card.

If the transaction is declined, it makes its journey back to the customer from here.

If the transaction is approved, $98 reaches the processor at the acquiring bank, just one step closer to the merchant account.

Once authorized, $97.5 gets deposited into the merchant’s account, which is now at the merchant’s disposal.

(The figures and fees involved in card processing are based on the number of players in the process, merchant type, card type and risk factors)

In the present age, quite a number of payments are made electronically, especially with the extensive use of credit and debit cards and online funds transfer. Although typical card processing takes seven participants, the entire transaction amazing takes a maximum of five seconds for approval.

How Not to Get Fat While Food Shopping

Healthy Food Shopping Guidelines

When you head to the supermarket there are some simple steps you can take to make sure your avoiding all the processed foods. Most supermarkets have their fresh produce such as fruit and veggies, meats, fish, eggs and dairy products on the peripherals of the supermarket. This is because all of these foods have a short shelf life so they need to be somewhere where they can be easily be moved and removed. Its these foods that should make up the bulk of your shopping as they are nutrient dense foods.

The foods you should avoid tend to be in the middle of the supermarkets or by the checkouts. Foods such as cereals, biscuits, crisps, crackers and chocolates have very little nutrient value. Because of this they have a very long shelf life.

Some quick tips

1 Have a shopping list

Dont go to the supermarket and try and wing it, you will end up with items you dont need and will spend far too much time wandering up and down the isles. Make a shopping list before you go and stick to it!

2 Know your supermarkets layout

Once you get to know where all the healthy nutritious foods are in your supermarket, you should stick to those areas. Avoid isles that you dont need as they are laden with unhealthy temptations.

3 Make sure you eat before you shop

If you go to the supermarket hungry, it is almost inevitable you will grab something that is not on your shopping list. And these foods you generally are attracted to tend to be quick, highly processed, sugary foods guaranteed to raise blood sugar levels and slap excess fat onto your body.

4 Get your food from the farmers market

If you can, avoid the supermarket all together and shop at the local farmers markets. This is possibly your best choice when it comes to getting good quality nutrient dense produce. You will be able to pick up locally grown, organic foods and grass fed meats for reasonable prices.

Stay healthy

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High Risk Credit Card Processing Solutions

Credit Card Processing Solutions & High Risk Merchant Services!

Pharmacy Merchant Accounts

Accepting credit cards with a pharmacy merchant account can increase pharmacy sales potential by 75 million customers in the U.S.. Internet pharmacy credit card processing analysts estimate 9 out of 10 people use a credit card for their online pharmacy orders. Accepting credit cards with a pharmacy credit card processing account will increase your pharmacy sales !

Adult Merchant Accounts

An adult merchant account is the key to accepting credit cards. Without a real adult merchant account for internet adult site or adult product retail sales it’s very hard to compete. We provide both domestic and offshore adult credit card processing for adult sites and products. Contact us to apply for your own adult merchant account.!

Casino Merchant Accounts

With our Offshore Merchant Accounts, your casino or sports book will be able to accept credit cards from customers all around the world in realtime. High risk offshore merchant accounts and credit card processing for pharmacies, adult, casinos and any other legal high risk business. Our company specialises in offshore casino merchant accounts for Gaming Web Sites, we do offer several offshore merchant account solutions for other web sites including adult, telemarketing, travel and all high-volume, high-risk businesses.

Off shore Merchant Accounts and Offshore Credit Card Processing

We provide Off Shore Merchant Accounts. Set up a UK Merchant account for european credit card processing. Offshore merchant services and offshore credit card processing is available for offshore merchant account processing. We can provide off shore merchant accounts in 29 different countries so your options aren’t limited. We can also set up Canadian merchant accounts with very low rates.

High Risk Merchant Account and Credit Card Processing

The type of merchants that we often see classified as high risk merchants are merchants who are too successful. We get very high volume merchants every day who get told by their processing bank that their volume is too high and they can’t process any more. We help these types of high risk merchants every day and can obtain off shore credit card processing with no caps at low rates.

We negotiate with the banks for you

With the right connections, we quickly go to work for you to find the best possible merchant account for your business. This means you have a team of trusted merchant service professionals working to get you the best merchant account solution for your business!
Complete solutions with high approval rates

High risk credit card processing offers complete end-to-end solutions to accept credit cards, accept checks and much more! We provide both domestic merchant accounts, international merchant accounts. High risk merchant accounts are our specialty – and we get high approval rates for all businesses!

Fashion Tips For Islamic Women To Stay Cool This Summer

It is important to keep the body as cool as possible during the summer months, which can be sometimes an -uphill task- for Muslim women that wear hijabs. The obvious tip is to suggest thinner and cooler fabrics in hotter weather – but it is also important to stick to absorbent materials as well. Fabrics such as georgette, chiffon and lace are therefore obviously great choices for the summer months.

Clothing with -air holes- – which allows more air to flow – are great in summer, with lace undercaps and loose crocheted caps both being very effective. Scarf headbands have become with the modern young Muslim and are a useful alternative to undercaps as they provide almost the same coverage but with a lot less material – as they just cover the forehead.

*Band Wool Bone
*Crochet Hats

Reducing the amount of material wrapped around the neck and top of the head is a wonderful relief on hot days – as this is where a lot of body heat leaves the body. Experiment with styles and how you pin your khimars. For the cooler summer days, a hat (should never substitute a khimar) could be a stylish addition to your wardrobe and they can be great play on style during the summer months.

Al-Amira hijabs are always worth a recommendation. The translation of the name means -princess scarf’ and it’s a slip over hijab style comes in two pieces; one piece of which serves as a hair cover while the other piece as a slip over from the same or near matching colour. Al-Amira hijabs are ideally suited for hotter climates as most of them are made out of light and absorbent materials.

Al-Amira Regular Plain Hijabs No Lace

Sarongs are a huge length of fabric that is very versatile and there is nothing stopping you from using one as a summary khimar. They are traditionally wrapped around the waist as a skirt by women and are usually made of very absorbent materials. They also come in a variety of stylish colours, patterns, and various sizes that would add some flair to anyone’s summer wardrobe.

Although not specifically designed for Muslim women – maxi dresses can be practically perfect for Islamic women after a slight moderation -just add a long sleeve shirt or jacket to make them more Muslim friendly. These light, modest and informal dresses usually reach the floor and provide excellent light and cool coverage.

Wearing clothes like this should make summer 2010 a much cooler experience for Muslim women everywhere!

Listing Drop Ship Products As Ebay Pre-sale Items

By Stuart Lisonbee, Doba Education Specialist
To protect buyers from not receiving the items they order, eBay sets a strict policy for listing items you don’t have on hand. As you might guess, this includes drop ship items.
You can list drop ship items on eBay as pre-sale items, as long as you follow eBay’s policy on pre-sale items. eBay’s policy governing items currently not in your possession at the time of the listing (including drop ship items) states that you must:
* List the item as a pre-sale itemany item not currently in your possession at the time of the listing.
* Guarantee that you’ll be able to ship the item within 30 days of purchase or within 30 days from the date the listing ends.
* Clearly state in the listing that the item is a pre-sale item and you will ship it within 30 days of purchase or within 30 days of the time the listing expires.
* Include a “this is a pre-sale item” message and format the message in an HTML font size of 3 or larger.
Guaranteeing timely shipment
You can never be 100% certain that an item will be in stock when a customer places an order, but you can reduce the risks of backorders.
* Check the items inventory level at least 24 hours before the auction ends.
* End the auction early if the item is out of stock.
* Limit the duration of a listing for any quick-selling items or categories. Consider listing the item for only 1-3 days.
For additional tips on minimizing backorder situations with drop ship products, check out “Drop Ship Tips: Minimizing Backorders.”
Tip: You can be a little more ambitious with listing slow moving items, even going so far as listing an item that shows only 1 in stock. This is a bit of a gamble, so tread carefully.
Composing your “this is a pre-sale item” message.
When you list a pre-sale item, prospective customers often assume that they’ll have to wait longer for the item, which often discourages buyers from placing their orders with you. Compose your “this is a presale item” message in a way that conveys quick delivery; for example:
This is a pre-sale item and will ship directly from my supplier and arrive at your doorstep in 5-10 days after payment is received.
Tip: To raise customer confidence, consider adding another message stressing that the item ships via UPS or Fed Ex and includes shipping insurance.
Avoiding eBay penalties.
When drop shipping, there is always the possibility of a backorder situation occurring. By following best practices as described in the Drop Ship Tips: Minimizing Backorders article, you should rarely, if ever, run into a backorder situation.
However, be aware that if it happens too often, eBay may suspend your account. Take a look at When Backorders Strike for ways to minimize damage when a backorder situation does arise.

On The Web Bag Distributors Very Easy And Simple Method To Buy

The success of online stores can’t be undermined simply because they have also allowed uncomplicated deal amongst organizations who also invest in bags and sell them for revenue. Web-based ventures are extremely easy; however, you’ve got to become conscientious in order to avoid getting robbed by dishonest entrepreneurs who sell fake designer bags at high costs.

Bag distributors are aware that females specifically are very meticulous about the way they appear and periodically update their stocks for present styles in the fashion industry. A fashion bag can readily put together the look that a person wants to obtain by complementing dresses, pants, t shirts and dresses. Many bag distributors attempt to sell branded things but there’s also bags which don’t have brands yet are usually sturdy and are created from good materials. Most of these bags are usually sold to folks who want to create their particular brands of bags. Providers possess exceptional services to start-up businessmen by allowing drop-shipping or shipment of merchandise to clientele referred by affiliates under their names or brands.
Models that bag distributors sell off vary greatly, along with the form of bags. These range from original designer bags to sensible forms employed in working, mountaineering, preserving your devices and the like. Nevertheless, because bag distributors are able to procure them inexpensively and easily in production facilities in Asia, legitimate designer bags are generally duplicated and sold to the downside of many. Should you be a merchant, make sure to avoid achieving this to avoid tainting your great reputation. Additionally, a lot of companies and people incur great losses from unsuspectingly purchasing phony merchandise. A lot of people just cannot notice which bags are genuine and which aren’t. Alternatively, many other retailers of such replica bags are honest enough to say that their products are not original but nonetheless market the items to people who could possibly be interested.

Whenever you locate an authorized web based vendor, you’ll have entry to different types of bags with designs and brands. Bag distributors occasionally store stocks of several variations however many also sell bags but buy them straight from the manufacturers in the time order. Accomplishing this will save them funds from leasing out storage areas, cost of logistics and even product packaging. Most bag distributors are also found on business-to-business marketplaces where they show off their magazines and portfolios to probable buyers.

Don’t forget that when investing in things, cheaper might not exactly always be better. Always choose a bag that’s made of high-quality material. If shopping on the web, look into the specs of the bag. Leather for example is available in numerous forms and may be natural or synthetic. Pick a bag provider which has a physical address and telephone number considering that this is a sign that it’s in fact honest and one which cannot disappear from clients effortlessly. On the web sellers typically publish their permits and licenses on the web to help you rest assured of their legitimateness.

Discount Voucher Codes – the best way to shopping

A lot of people make use of discount vouchers so how do you collect them, keep them organised, and utilise them in your everyday life? There is a lot of difference between buying something with and without discount vouchers. With the help of discount vouchers, one can buy more quantity of the same thing as it becomes more affordable. Discount Codes are basically special codes which will get you a discount or money off the listed retail price of many goods at a variety of different online retailers.

There are many ways to get the Discount Voucher Codes. Another way to collect vouchers is to subscribe to daily emails, websites, and blogs so that you stay up to date on the latest deals. This way I can get discount vouchers on my phone and use them while I am out shopping These Discount Vouchers helps you save money by bringing together the best discount shopping vouchers and promotional codes.

There are many Discount Voucher websites available and they are your one stop resource for printable vouchers and discount coupons that you can print and take with you to save money. However the discount varies from one product to the other depending on the actual price of the product or service. Just visit these websites and you can get numerous Discount Voucher Codes meeting your needs at par. The store list consists of many renowned stores around the world like ASK Vouchers, Cafe Pasta, Ivory lounge, La Tasca, Sade restaurant and bar and many more are there in the list.

Printable vouchers are a great example of how the internet is changing the way we interact with High Street. Some years back, these Discount Vouchers were distributed with printed publications in the hope of attracting in some new customers, but now customers seek out those vouchers, and retailers are queuing up to offer a voucher as an incentive to visit their establishment rather than a competitor. One thing must to remember though, you should always read the Discount vouchers terms and conditions carefully, particularly if you are hoping to get cash back or take advantage of some other incentive scheme as often such rewards will be excluded from the offer.

Get Aware Of Discounts Coupons Today To Save In Future

How often have you been eligible to discount coupons from office or from any store that you visit repeatedly? Otherwise how familiar you are to getting discount coupons that are distributed with your daily newspapers or magazines? But the better question is that how many times do you actually end up using them?

Customers have really grown reluctant and unenthusiastic about their purchases today. We hardly eye the bill or make an enquiry when we are given an invoice and are being asked to pay. We often are also charged with high taxes or VAT on our consumptions but we act too ignorant to even know that are the percent of VAT charged from us are worth paying? And even worse, many a times, we dont even claim a bill at the stores.

But did we ever think that in doing such small things, what are we losing on? Well, one very simple and easy answer to this is that we are missing on a lot more saving that we could have done in fact. The other day, I found infibeam discount coupons with my newspaper. And as a smart customer, I logged in to their online website first, thinking of using the coupons. There I found a section named Magic Box, which promised great deals at lowest guaranteed prices. I opted for a tablet, which is already offered at its lowest bargain price; to further I used the coupons on my deal and to my surprise, grabbed another 15% off on the deal.

But this was only possible when I just didnt throw the coupon and thought of using them. We generally throw such coupons, thinking they are good for nothing, but its always good to try on things first before actually making a declaration about it first. However, use them only when required and also remember not to opt for forceful shopping just to use the coupons.

Take now the situation from another angle; imagine yourself in a need to buy bed sheets for your place, then what will you do? Simple, just search online for websites selling bed sheets, and from the list of websites available, choose the one giving maximum discount. Then search online for the coupons available from that website and use it on your bed sheet purchase to avail discounts. Like for example if its futurebazaar discount coupons, then just use the promo code and avail discounts at your purchase. This is called a smart buy.

Also, if shopping online, its always better because here you get discounts throughout the season, not like physical conventional style markets where you only get discounts at season end, which is offered as a clearance sale. But always remember to delve about websites first before you shop with them. As well, remember to pick brands like indiaplaza for shopping, giving out indiaplaza Discount coupons, read their reviews, ask people, because then you get exact promised percentages on your deal, and no scam deal happens.

Dress Up Games – A Magic World For Fashion Fans

As you probably know the traditional conception is that doll dress up computer games are made only for little girls, dress up games may also entertain little boys. Fashion games look like really primitive web games, but the thing is that, besides choosing a hairstyle and clothes, you have to try many variations that are really difficult to acquire. Different ways may be found in which your can have fun with fashion online games- your Barbie might need the right clothes when going on a date and your little girl might help her, or Barbie doll may need help picking an accessories for the school ball. Think, what about assisting her out in choosing a good suit for the beach? Children will definitely enjoy since there can be found tens of thousands of accessories to select from; such games also improve your kid’s artistic ability.

The characters which exist in dressing games are many: from Barbies to fairies. Girls can even have fun with dress up games with fairytale characters. And they will not only entertain yourself, but also a way to improve intelligence.

You can also find a named doll-maker, in these games your children can create their own Barbie doll. That’s like a dream come true! Players can choose everything- eye color, hairstyle, etc. After your girls design the basic look, they can start applying makeover on the virtual doll. Your children will learn a lot of interesting things about makeover while they’re playing fashion computer games. Also, they have to dress Barbie up in the most fashionable clothes out there.

Your daughter may also easily find numerous online games that are similar to doll maker online games, known as the Interesting series. Doll-maker games may also include choosing the best dress for the virtual character and your kid will be able to select the most fashionable shoes and dresses.

As you possibly know Barbie games usually are updated daily; ypu can find Barbie web games that may even include music. There can also be funny songs or Barbie laughing.

Certainly your girls will be happy with Bratz or Barbie games. Your girls will improve their imagination, so dress up games are certainly the best choice. Of course, fathers and mothers can also be excited the Barbie doll games that their kids play .

Install many dress up games and addicting games

Big Bazaar Shopping – Cheap Household And Grocery Products

Big Bazaar, a very popular supermarket in India with over 100 stores across the country, is a subsidiary of Future Group Limited. It is truly the right place for you and your family. You get everything under one roof and that too at a reasonable price. Big Bazaar is definitely a great shopping experience for anyone. From cheap household products like crockery, utensils, cutlery, food items to groceries, all is available in their store. One of the best quality products can be had from here within the most affordable and pocket-worthy rates. Those which come with a manufacturers warranty are the best.

The cheap household goods empower the women to save money on their daily needs. Some of the household goods that one can buy from Big Bazaar are baby products, beddings, linens, towels, kitchen appliances, electronic goods, etc. When bought from Big Bazaar, one gets a discount thus saving a lot on their monthly bills. Big Bazaar has introduced many time to time innovations like Sabse Sasta Din, Wednesday Bazaar, Maha Bachat, and the Great Exchange Offer.

On the Sabse Sasta Din, consumers can buy goods at exceptionally low price. Groceries are available at a much reduced rate. Fruits and vegetables, food items like rice, sugar, salt, wheat, and other grocery items sometimes come with great deals. For example you buy one kilo sugar and get another kilo free. Wednesday Bazaar is a concept that has been promoted by Big Bazaar as Hafte Ka Sabse Sasta Din. It means the day in a week that is the cheapest. The homemakers on this day can save the most. Maha Bachat, started in 2006, offers lucrative promotional offers to its consumers. Through the concept of the Great Exchange Offer, one can exchange old goods with newer ones.

At Big Bazaar, you get products and items related to your household at almost half the price sometimes. You do not need to go to the market place and jostle through the crowd to get your goods and that too from three different shops. Since everything is categorically arranged under a single roof, it becomes a lot easier. The household and grocery items at Big Bazaar are not only cheap but also completely fresh. They also have option for online shopping at futurebazaar.com. It is a very convenient mode of shopping your daily household and groceries. Shipping is free and cash can be paid on delivery of goods. With Big Bazaars online shopping, one can shop anytime of the day as per his/her convenience. It is definitely one of the best when it comes to purchasing household goods and groceries.