How to Receive Payments for Your Online Sales

Once you decide which products you are planning to sell on the Internet, and what type of web store you are going to use in order to display your products, next vital decision that you have to take is to figure out how your customers are going to pay you. Whatever you plan to sell online, accepting credit card transaction is a must! A full 90 percent of all online sales occur through credit card payments.

There are two ways you can add e-commerce capabilities to your website:

1. Having your own merchant account

2. Using third party processors

 

What is a merchant account?

A merchant account is a special kind of bank account where funds received from credit card transactions are first routed to the special account and held there before being remitted to your business account. You as an online merchant will need an account called “Card Not Present Merchant Account”.

Having the merchant account is, actually, the first step in processing credit cards online. You will also need a payment gateway. A payment gateway is a service provided by billing processor which allows real time authorization of online transactions. The payment gateway you choose to work with has to be compatible with your shopping cart. Three top payment Gateway providers are AuthorizeNet (http://www.authorizenet.com/), Verisign (http://www.verisign.com/) and USAePay (http://www.usaepay.com/). All payment gateway providers have their own merchant solutions. Most banks, today, work with partner payment gateway providers and are fully capable of furnishing with a merchant solution.

If you are just starting an online business and you don’t think that your sales will generate more than a thousand dollars a month, you will be better of with a third party processor. However, once your sales become a few thousand you will save a bundle by switching to a merchant account.

 

PayPal

With 72 million accounts worldwide and payment volume which is growing at a rate of 44 percent each year, PayPal by far is the most popular third party processor on the Internet.

PayPal is a simple and affordable payment solution for those online merchants who are unable to or don’t want to go through the complex process of setting up a bank merchant account.

At present, PayPal has four unique solutions for merchants.

PayPal Website Payments Standard: This solution allows you to accept credit cards on your website. However, the transaction is processed on the PayPal secure server. The customer can choose to pay either by credit card or PayPal. If you don’t have shopping cart as yet, you may get one from PayPal; or you can integrate PayPal solution to your existing shopping cart.

Cost: No monthly fee. No setup fees. No cancellation fees. Transaction Fees are 1.9% to 2.9% + $0.30 US$.

PayPal Website Payments Pro: This solution is virtually same as having your own merchant account. If a customer pays by a credit card, PayPal works as a payment gateway for you. The customer does not leave your website at anytime if she pays you by a credit card.

Cost: $20.00 US$ monthly fee. No setup fees. No cancellation fees. Transaction Fees are 2.2% to 2.9% + $0.30 US$.

PayPal Email Payments: This is the payment system PayPal started with. You send invoice to your customers by email and get paid on PayPal.

Cost: No monthly fee. No setup fees. No cancellation fees. Transaction Fees are 1.9% to 2.9% + $0.30 US$.

PayPal as an Additional Payment Option: If you already have a merchant account and you would like to add PayPal to your existing payment solutions, you can use this option.

If you are planning to sell products through eBay, you definitely should have PayPal option. According to eBay, three out of four eBay customers choose to pay by PayPal.

When you use PayPal as your primary processor, make sure that you have at least one more alternative payment solution handy. The reason is many disgruntled former users of PayPal claim that PayPal might freeze your account anytime without any apparent reason. Read http://www.PayPalsucks.com for more information.

However, According to a new report, Merchant losses from fraud on PayPal are now only 0.17% of revenues, vs. 1.8% for online merchants that accept credit cards through merchant accounts. This gives one more reason to use PayPal.

 

WorldPay

If you are facing problems to get a merchant account due to the factor that you are not located in the US, WorldPay could be the solution for you. WorldPay is a one-stop solution for your merchant account, payment gateway and store front. The payment option comes with fraud protection and risk management applications to safeguard your business. Based in England, WorldPay is a division of Royal Bank of Scotland.

Cost: If you compare with PayPal, WorldPay’s fees are pretty stiff. 50 US$ monthly fee. 400 US$ setup fee. Transaction Fees are 3.25% + $0.40 US$. The charge for multicurrency processing is 5.25% per transaction.

 

2Checkout

2checkout.com works as an online distribution center. When customer buys a product from your website through 2checkout, you actually make your sale to 2checkout for immediate resale to your customer. Customers are billed by 2checkout not you. 2checkout accepts vendors from virtually all over the world. You can also set up recurring billing through 2checkout.

Cost: No monthly fee. 49 US$ setup fee. Transaction Fee: 5.5% + $0.30 US$.

 

ClickBank

For selling e-books, reports and other similar digital products, ClickBank.com is probably your best option. The great thing about ClickBank is it has over 100 thousand affiliates promoting products available on the ClickBank marketplace. By listing your product with ClickBank, you automatically tap into a huge potential market. ClickBank accepts all major credit cards and PayPal.

Cost: 50 US$ set up fee. Depending on the percentage of the commission you pay to your affiliates, transaction fee varies from 2.5% plus 0.33 US$ to 7.5% plus 1 US$.

There are many other third party processing companies available on the Internet. Two of them worth mentioning are http://moneybookers.com and http://www.ikobo.com.

Since fees fluctuate considerably from one solution to another depending on your location, products and other needs, make sure to do a thorough research before signing up with any of the mentioned providers.

Affiliate Ads

                     So, how do indie bloggers or professional network bloggers earn money?

                        Just like many hardcopy media, advertising is primarily the way to earn money on the web. Affiliate ads are a big part of this and are pretty easy to find and sign up for. Amazon.com, for example, is one place that offers these sorts of ads. Anyone can sign up to be an Amazon.com affiliate. Once you set up your account with them, you can select products, create the links (using tools from Amazon), and then copy and paste the link into your blog. With Amazon, you can even include a picture of the product. When someone clicks on that link, gets sent to Amazon, and then buys the product, the affiliate gets a little kick back. And, yes, little is usually the word here; however, a lot of “little” can add up to a lot of money if you work at it long enough. There are other ad revenue sources available to the interested blogger, but affiliates are usually the easiest for newbies to get started with advertising options.

Money Making Scams

                       In today's Internet world there is nothing hot than the Internet money making opportunities. Most of the people fails making money online or become the fraud target. quite few people enjoy the success in this Internet money making scams.

                   I will not say that all are the scams but you should be quite opened eyed when doing any such business or deal. Elaine Currie listed some of the scams on site-reference.

According to Elaine most of the fraud techniques are as below:

1. Money Doublers
2. Chain Emails
3. Get Paid To Autosurf : Surf and earn
4. Email Processing: Get paid for processing and sending mails.
5. High Yield Investment Programs (HYIP): Small deposit for High returns
6. The Advance Fee Scam: Transferring money to our account scam.

                  These are some of the scams that are on high trend nowadays. Who knows in future which tricks will be used for making such frauds.

                 There are many opportunities for scams in Domain business. One of my friend was just escaped from the Domain transferring scam. In this scam you will get a mail stating that the person is interested in your domain name and want to bu it, and he will ask you the price. When you reply with price he will tell you to make domain appraisal from his trustworthy service and then only he will buy the domain. When you make your domain appraisal from his service he will no more be interested in your domain!

            So the bottom line is, be cautious doing any kind of online business with never met person!

To Make Money at Home - Which Way is the Best?

                   If you are looking for a way to make money working at home you will quickly encounter a bewildering array of offerings all promising to lead you to the promised land of wealth, financial independence, and a generally fabulous lifestyle of your own choosing. Whether you believe that or not, you do need to understand that there are a myriad different ways of earning money on-line. You need to find something that suits your style and personality, something that you really enjoy doing.

             The reason is simple: if you want to be successful you will need to work hard. It is easy to work hard at something you enjoy. In fact it might not feel like work at all. But try to succeed at something that leaves you feeling indifferent at best and you will not perform at your best. After all, the reason many of us get into the work at home industry is so that we can control our destinies, and that surely includes the type of work that we do.

             So don’t rush into the first opportunity that appeals to you. Remember that what you read is a sales letter designed to catch your attention. It is not the actual product. You will often find that the actual product is nothing like what the sales letter appears to be offering. You must do your research. Analyse your strengths and weaknesses. For example, if you don’t like cold calling on the telephone you will not want to get involved in building a down-line based on a system of telephoning leads. If your computer skills are poor you will very likely want to avoid anything that requires you to use HTML.

              Put simply, you are setting yourself up for failure at the very beginning if you commit to something that doesn’t suit your personality and skills. You will have an awful lot to learn anyway. Don’t make it needlessly hard for yourself.....

7 Money Making Ideas for Home Based Business Entrepreneur Start Up

                        Want to start up a home business? Well first you need an idea. All businesses started out with ideas. The ideas were non-tangible things that entrepreneurs started up into real live businesses. As such, home based business entrepreneurs need ideas to start up. Here are some ideas, and maybe you're the one to make them a reality. All you need is a computer, an internet connection, and the will to work for success and profit.

1: Start up a home based business by selling things on E-bay. Find a niche that is hot in E-bay, find a dropshipper that sells those kinds of products, and start selling on E-bay. Learn the tips and tricks of how to effectively sell on E-bay and how to maximize your profits.

2: Research a topic that people today want information for, and are willing to pay for it. Write an e-book or a report that contains the information that the people are looking for, and then sell it.

3: Buy or otherwise obtain private label rights products/articles/books/etc. You can do whatever you please with these. You can rewrite the books to your own personality and resell it for 100% profit. If you have a lot of PLR articles about a certain topic, you could compile those into a book for reselling.

4: Set up your own online store. More and more people are buying things online, so you could cash in on this. What exactly would you like to sell and to who would you sell it to?

5: Design websites for other people. Some people are too afraid to learn programming with HTML, no matter how many books they read or how many courses they take. You might have HTML experience, or you can learn it yourself (for free) and profit from it. I know someone who made $75 for designing just one site, so there's money to be made in this field.

6: Another home based business for an entrepreneur to start up is a service-based business. Perhaps you know how to get a complete idiot's site to the top 10 search engine rankings for a certain keyword. There are people will pay money for that, you just have to position your business in front of them. Perhaps you're an expert in a particular field and can give consulting services. What other services can you think of that you can provide for money?

7: This is a popular one: join an affiliate program, and and get into the business of affiliate marketing. Instead of selling your own products, you sell other people's products and earn commissions when you're successful. If you can't create your own product or service you should look into this. These are seven great ideas for entrepreneur start up. But these are just a tiny sample as to what kinds of ideas are available to be turned into home based businesses. Use one of these ideas, or come up with your own, and start your own business.

Online money making tips and tricks

                          Making money is one thing which every internet user dreams about everyday and the only hurdle in their way in insufficient knowledge. These people can now know the facts to earn money instantly by selling digital goods on eBay. There are plenty of buyers who will gladly buy them if they are like $10 or $15. You can also sell your home items for couple of hundred dollars. Go buy the stuff from a garage sale and pick things which you think will sell good on eBay. This is the hard way of making money which not many people prefer as they would like to earn money by sitting in the comforts of their own house.

                     There are different ways in which you can make money online with your own home based business. You can write articles and sell them on major articles websites or publish them and provide two or three back-links to your blog or website. Once a visitor enter your blog, you can employ more ads based marketing material or affiliate based material which can get you commission as and when the person either clicks on it or simply click-n-buy that product or service.

                       In your blog, you can add Google adsense which will generate revenue from commission’s as-n-when a visitor clicks on any advertisement links he/she finds interesting. The revenue generated by a click can vary from couple of cents to almost over $30-$40 a click. It all depends upon how well you have placed the ads/affiliate links in your blog. A blog must have good quality material for people to visit again and again. It doesn’t really matter what you write about, pick a topic on which can write comfortably and keep adding more content to it. With RSS feeds the users will get the ability to subscribe to these feeds and be notified automatically whenever there are new additions to the blog.

                   Many people also write their own eBooks with good quality content on almost any topic and sell them on eBay either alone or packaged with couple of more eBooks. So this is yet another area where you can make money with eBooks. Even if you have content on gardening, you can prepare 10-15 chapters; you can club them all in one eBook and sell them for $10. People will buy as eBay brings together millions of buyers on its largest online shopping portal where thousands of products are sold everyday.

               There are just some of these great ideas which anyone can use with a little investment to make more money online.

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Money Making Ideas

Web 2.0 boom is still going strong. The venture capital industry invested $4 billion into web2.0 startups in 2006. A great idea is always a good start to making money online.

People are constantly looking for information either because they need it or because they are just purely curious. Google made a killing off of this habit.

Online dating service have always been a pay-only service. But Plentyoffish.com jumped in and offered a free service that is just as good or even better. Traffic went through the roof.

Affiliate marketers - manufacturers of digital and physical goods are always in need of marketing help. A load of affiliate marketers fill in the void. Then an elite group of super affiliates started to offer courses and services to the rest of the affiliate population. These self-claimed experts put their best practice tips or tricks of promoting products into ebooks and make much more money in selling the tips of how to sell affiliate products than actually selling others’ products. So the key to real success in internet marketing is: you have to have your own products!

Making Money Online: An Honest Opinion

Many people today go online to start an internet business either to supplement their income or to gradually replace their offline income from their job with an online income. Most people happily join business opportunities and money making ideas online filled with hopes, aspirations and dreams of great wealth, thinking that their financial woes are over. Many business opportunities promise such things if you did a quick search through google. But what most people fail to grasp is whether the particular business opportunity will work for them. This article will examine different money making models online to let you evaluate whether which type of business suits you.


1.Internet mlm programs

These are programs that require you to recruit downlines online and convert online customers into paying members by calling them on the phone. Another way to make money with these programs is to sell their products either online or offline. So in other words, if you are not the type of person who loves to call people on the phone or sell stuff offline in flea markets or tell people about your products, you will not make money with these products. That said, with some automated email followup systems, it is possible if you generate a lot of signups to allow the system to convert the signups into paying members. But that said you still get a higher conversion ratio if you call them.


2.High Yield Investment Programs

These are online programs that take your money and supposedly invest it online in forex and other types of securities. Do note that these are high risk investments and mostly are Ponzi in nature. That being said, the strategy with all these programs is to take out your principal and then compound the initial invested amount partially and earn more and more each month. You need to be able to take the loss of your principal in your stride as the returns are high and the risks that the administration of that particular HYIP program running off with your money is high as well. Spend some time daily to check the HYIP forums to see if a particular HYIP is paying before investing any of your hard earn money into it.


3.Doubler programs

These are basically programs that double your money invested with them after a certain period of time. These programs require you to spend some time each day reading the online forums of that particular program to check whether the company cycle time is going up and whether they can afford to pay their members. If you have the time to read an consider whether any program you are in is a sinking ship, this kind of money making activity online may be the one for you.

In conclusion, choose a way of money making online that suits you and spend time to learn all you can about that form of money making.