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Updated by Apoorv Joshi on Sep 27, 2019
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Apoorv Joshi Apoorv Joshi
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List of Payment Gateway Services

Merchant Stronghold is based in Clearwater, Florida. We provide the best credit card processing services for all type and size of businesses.

Source: https://www.merchantstronghold.com/payment-gateway-integration/

64

What are the Streamline Online Payment Services

What are the Streamline Online Payment Services

Streamline Online Payment Services – Handling the online presence of your business is a difficult task. Furthermore, in the generation of competition, you must make your product and performances that make the customer stick to your services. This also includes the streamline online payment services. You can read this article for the tips to get a number of customers at your platform.

Reduce the Check out Time

Many experts claim if the customer spends too much time during the checkout, the chances of dropping the purchase also increases. You can try these methods to reduce the checkout time.

Give the customer the option to login and then explore your products.
Moreover, you can also offer to add the delivery details or address during the login.
Also, ask the merchant to save the payment for the next purchase.
You can ask for the reviews related to their checkout and delivery services.

Seamless Site Navigation

Generally, a customer explores a lot before making a purchase. Especially when they are trying your services for the first time. In such a case, you can offer a smooth navigation while jumping from one product to another product as easy as possible.

Ask the customer to add the items they like to add to the wish list.
The products that a customer sees should appear on the recently viewed panel.
Jumping between the products should be easy and more manageable.
Make it easy for the customer to purchase the product whenever or wherever they are. This helps you streamline online payment services and make more profit.

Availability on Different Devices

The matter is to make your website or platform easily available on the device.

Make sure your website is responsive and works on different devices including Smartphone and computer.
Also, the Smartphones and Tablets are also available in different screen sizes.
You can also get a designer who can customize the website as per your requirements to get the streamline online payment services.

Address - 10300 49th Street N Suite 427 Clearwater, Florida 33762
Email Id_ info@merchantstronghold.com
Contact_ +1 (888) 622-6875.

1

Excellent Way to Carefully Handle your Credit Card Information

Excellent Way to Carefully Handle your Credit Card Information

Use of credit card for making online purchases is very common nowadays. But due to incidences, like data breaching; customers worry about how sensitive data (personal information of customer as well as credit card details) use by merchants. As a merchant, you need to open a merchant account to carry out transactions and if your payment processor accepts credit card payment, you as a business owner is contractually obligated to provide security to your customer’s sensitive information shared while completing transaction process, which is imprinted in the contract you signed. If you are using third-party software to manage customer’s information, it should be able to protect all the information of your customer.

*Five tips for proper handling the credit card information of your customer.
*
Keep your customer’s data safe with these useful tips.

Use Approved Software
When a merchant uses POS (Point of Sale) terminal, mobile running payment processor software or swipe machine to conduct transactions, as a merchant it is your duty to make sure that your hardware, as well as software, is PCI Compliant. There are many applications and card readers available that come with security loopholes. So, it is advisable to choose reputable hardware and software vendors who take full responsibility for the integrity of their product. For the long run and good reputation of your business make sure to use tested and approved solution.

Genuine Service Provider
You can avail services of a reputed service provider to install credit card processing software, manage credit card processing as well as credit card storage for your business. Service provider includes:

SaaS (Web-based software)
IVR phone services

It might also include companies to which the merchant outsources payment-processing functions. Through extensive testing of these service providers, you can make sure that they are trustworthy. Qualified Security Assessor (QSA) who performs a comprehensive audit of policies, procedures and the system of the service providers does this type of testing. You can only use PCI DSS Validated service provider as a part of a contract signed.

Storage of Sensitive Information
Encrypted Electronic Storage
Phone Recording

By simply following these five steps, you can meet your contractual requirements to protect credit card account information. Also, the merchant can be PCI compliant. It will also help merchant in gaining customer’s confidence and loyalty, which will help in increasing the revenue.

2

Mobile Payments can help Transportation Services Providers

Mobile Payments can help Transportation Services Providers

In this modern era, where technology has boomed, it has hit many sectors and one of them is transportation. No more standing in long queues, no more waiting; mobile payment has made the task easier for transportation service provider as well as the customers. Mobile ticketing and mobile payments have become a vital part of modernized transportation. It has not only strengthened this specific sector but has also linked local and regional economy. With just a mobile device in your hand, you can pay for transportation services by using any virtual payment method (according to your preference).

Especially if you are traveling to big cities, local commute (taxi or car) is the option most of us would like to opt for. Your taxi driver may only accept cash payment which may cause you trouble like no cash, shortage of change, security issues etc. So it is better to use cashless payment methods, especially if you are related to the transportation industry.

Advantages

Mobile payment has many advantages over tradition method of payment i.e. cash payment. When you are in the transportation industry, there is a lot of cash flow on daily basis, which most of the time is with the drivers as they are on road, providing services. It is not possible for the drivers to come back to the main station to deposit cash after every trip. So he has to carry cash along with him all day long until he is off duty. Due to which they become a target and may end up in unfortunate incidences (robbery). It is best to use mobile payment method for security purposes, better services, and greater revenue. Let us discuss few of the advantages of mobile payment in detail:

Effectiveness

It is very common for a customer to not have the exact amount or a change with him, resulting in wastage of time in arranging the difference for the customer. When you accept the payment through mobile, it merely takes 20-30 seconds to swap the card and get customer’s signature. This will increase the effectiveness of transportation service and time saved can be utilized in serving the next customer, resulting in greater revenue. More information for visit website – www.merchantstronghold.com

3

Offshore Merchant Accounts is Crucial to your Business

Offshore Merchant Accounts is Crucial to your Business

Offshore Account - The term ‘offshore’ is basically used to describe banks from countries other than home country or foreign lands. An offshore account is like any other merchant account opened in any country other than merchant’s home country. The main benefits of an offshore account are the security and the option of accepting major currencies. It also helps the merchant in increasing revenue due to tax relaxation, provides greater privacy to merchants and helps in gaining more customers (major currency acceptance).

Why is it Popular Among Merchants?

E-commerce and offshore accounts are highly linked as merchants, irrespective of their industry types. It aims at attracting a majority of customers and look for maximizing sale to earn good profit. To achieve this, the merchant needs to have a merchant account that accepts the majority of credit cards. But it is not that easy to open a merchant account, as it includes many requirements and lengthy procedures, which is not the case with an offshore merchant account. Most of the businesses like to maintain an offshore account as it provides many financial and legal advantages to its client.

Why Offshore Merchant Account?

Most of the merchants choose offshore accounts over merchant accounts for various reasons. Few of them are below:

  • Hassle free procedure
  • Low taxes/ tax relaxation
  • Low initial costs
  • International Reach
  • Different currencies
  • Major credit card acceptance ** Offshore Accounts so Popular?**

No matter how small or big business you own, any merchant can get an offshore account. Especially, merchants who are planning to set up an online business, irrespective of their size, prefer offshore account over merchant account due to low initial cost.
Every merchant running an online business wants to hit the international market at a certain point of growth. Offshore merchant account makes the acceptance of various currencies as well as credit cards much easier. Although, merchants who are dealing with local customers with the prime objective of capturing domestic market don’t get enough benefits from offshore merchant account as compared to the merchant targeting the global market. Get more information visit website- www.merchantstronghold.com

4

Merchant Category Code 7230 for Beauty, Barber Businesses

A BENEFIT OF POS FОR SALON

Aѕ a ѕаlоn owner, уоu wаnt tо mаkе ѕurе you kеер your сliеntѕ соming bасk for nеw ѕеrviсеѕ. Whilе repeat customers аrе what you look fоr, you also wаnt tо rеtаin nеw сliеntѕ with a ѕаlоn experience thаt’ѕ truthfullу out of thе оrdinаrу. A ѕаlоn POS system helps уоu do еxасtlу thаt.Thеrе аrе оvеr 92,214 salons еѕtаbliѕhеd in the U.S аlоnе. In 2013, thе nail ѕаlоn induѕtrу grеw tо $7.47 billion, which is a phenomenal numbеr. Thе salon industry has undеrgоnе ѕubѕtаntiаl grоwth in thе lаѕt dесаdе аnd as a ѕаlоn owner уоu wаnt to dо your part tо stand оut аmоng уоur соmреtitоrѕ. Hеrе аrе ѕоmе gооd rеаѕоnѕ whу уоur salon needs to hаvе a reliable POS ѕуѕtеm with the latest technology.

SAVING TIMЕ

Having thе latest POS tесhnоlоgу for your ѕаlоn will hеlр mаnаgе уоur timе and inсrеаѕе thе еffiсiеnсу оf simple tаѕkѕ ѕuсh аѕ аdjuѕting appointments or mаnаging customers. You nееd tо ensure that уоu have fаѕt, salon-specific аutоmаtеd tools to аllоw уоu to handle tаѕkѕ only knоwn tо ѕаlоn owners. Apart frоm purchasing juѕt a роint of ѕаlе ѕоlutiоn that оnlу аllоwѕ you tо accept payments more еаѕilу, a trulу innоvаtivе ѕаlоn POS ѕуѕtеm will аlѕо help you tо bооk appointments еаѕiеr, trасk thеm along thе way аnd virtuаllу hаndlе еvеrу аѕресt оf уоur buѕinеѕѕ.

Furthеrmоrе, to imрrоvе time mаnаgеmеnt аnd inсrеаѕе рrоduсtivitу, you nееd a system thаt’ѕ easy tо lеаrn and intuitive bу nаturе. The nеwеѕt salon POS ѕуѕtеmѕ рrоvidе just thаt; рluѕ, this will аllоw уоu to easily trаin new ѕtаff mеmbеrѕ.

BEING ORGANIZED

Cuѕtоmеrѕ does nоt wаnt tо walk into an unоrgаnizеd ѕрасе оr fееl аѕ if аn оwnеr dоеѕn’t саrе аbоut their fасilitу оr сliеntѕ. Yоu needs tо hаvе a bright, mоdеrn, clean salon аnd аn аdvаnсеd ѕаlоn POS ѕуѕtеm with thе lаtеѕt management tools аt уоur disposal. Aѕ a оwnеr уоu need bе аblе tо hаndlе еvеrуthing frоm bооking аn appointment, managing ѕtаff, inventory соntrоl, to analyzing whаt ѕеrviсеѕ аrе the mоѕt рrоfitаblе аnd running rероrtѕ thаt keep уоu оn top of your buѕinеѕѕ.
Get more information visit website - www.merchantstronghold.com

5

Best High Risk Merchant Account for Tech Support in USA

Best High Risk Merchant Account for Tech Support in USA

Tech Support Merchant Account Provider
For retail merchants, it is pretty easy to get a payment processor but it’s not the same with tech support businesses. This is due to high rate of chargeback risk involved. So when you are looking for a merchant account provider, you should always ask them certain questions before applying. These questions could go as follows:
Do you provide high-risk merchant account for tech support businesses?
What about remote tech support (if relevant)?
Does underwriting department approve of it?

At times salesperson will assure you that they do provide service to tech support business and after you complete the process of applying for it, and send it for approval to underwriting department; you might find out that your application is rejected because they do not support tech support business.

Can Merchant Stronghold help?
Merchant Stronghold has expertise in providing all-inclusive high risk credit card processing services to tech support merchants. To get the high-risk merchant account for your business, you have to fill the application form and provide us with all the information. We will respond you back through e-mail with the list of pricing and terms as per your requirements. Once your application is approved, you can start processing. To make the process easier for you, we can also set up your chargeback management tools and payment gateway.

Underwriter’s requirement
When you fill the application form for opening a high-risk merchant account for your tech support business, it is forwarded to underwriting department for approval. The underwriter’s role is to make sure that the business is good for the credit card processor to take on and it’s worth the risk. Underwriter looks for any type of loopholes in your application and the likelihood of the credit card processor facing the losses on the account. This can occur due to the high number of chargebacks that went unpaid. Also, unpaid billing or fines imposed either by the government or card brand or the sponsor bank. These reasons are good enough for declaring a merchant as fraudulent and rejecting the application for a high-risk merchant account.

The business or merchant that looks stable, legitimate and have sufficient amount in the bank account to cover chargeback are more likely to get for approvals. Better the reputation of your business, more are the chances of getting merchant account approval. So, if you are applying for a merchant account, make sure that your bills are not due and chargebacks are clear. If you maintain your account regularly, then also there are good chances of your application approval. Get more information visit website – www.merchantstronghold.com

7

While Accepting Credit Card Important Things Must Know The Merchant

While Accepting Credit Card Important Things Must Know The Merchant

A Study to know

According to studies, business accepting credit card payment is likely to generate more revenue as compared to others. The main purpose of you being in the industry is to earn profit and credit card is a great mode of payment. So, it is better to get a reliable credit card processing before starting off.

There are many third-party service providers with payment solutions for credit card processing like PayPal, but it comes with shortcomings. But special measures must be taken to provide a secure environment to conduct transactions. Else customers will either drift away or will not come back for another sale, and this will increase abandonment rate and funds paid through check or direct deposit will take days to get transferred. Payment solutions like PayPal are good if merchant needs to handle low-volume sales. But if you are looking for growth, the merchant has to look for alternatives.

What do Business Owners need?

If you want to accept payments through credit card, the first thing that is must is Merchant Account. To carry out online transactions and validate credit card acceptance, a merchant account is mandatory. A merchant account is like any other bank account with a slight difference; it enables merchant/business to accept payment through various means like credit and debit cards. If the merchant has an online merchant account, so this will eliminate the need for credit card processing machine or terminals to accept payments.

Parties involved in merchant account set up process are:

  • The Retailer
  • Payment Processor
  • Merchant Bank

Three things that every merchant should be aware of when accepting credit card with an online merchant account are discussed below in detail:

ONLINE PAYMENT GATEWAY

A payment gateway is a merchant service provided by e-commerce provider responsible for carrying out transactions or direct payment processing for e-business or retailers. E-commerce transactions (online transactions) are authorized by this e-commerce service (payment gateway). E-commerce service provider can be:

  • Bank
  • Specialized financial service provider.

A payment gateway transfers the information between a payment portal and acquiring the bank, where payment portal can be any of the following:
Website
Mobile phone
IVR machine (Interactive Voice Response)
You can more information for go to the site – www.merchantstronghold.com

8

Friendly Fraud &Thieves Can Easily Use Information Of Your Credit Card

Friendly Fraud &Thieves Can Easily Use Information Of Your Credit Card

Understanding the Friendly Fraud

Card not present (CNP) credit and debit card transactions provide the perfect environment for what’s commonly referred to as friendly fraud.

A CNP transaction as a payment card transaction where the cardholder does not or cannot physically present the card for a merchant’s visual examination. At the time of order delivery and payment. Such as for mail-ordering transactions by mail or fax, or over the telephone or internet.

Therefore, friendly fraud occurs when a consumer makes an online shopping purchase with their own credit card and then requests a chargeback from the issuing bank after receiving the goods or services.

**Categories of Friendly Fraud

INTENTIONAL FRIENDLY FRAUD**

The deliberates falsification of facts by a consumer which is intended to deceive a merchant.

Reasons for intentional friendly fraud may have to do with buyer’s remorse. Perhaps the buyer has an impulse purchase for an amount that exceeds their comfort level or their financial circumstances. Suddenly changes take place. And, they wish they can get back money or maybe, their spouse doesn’t approve of the purchase.

Then, there are fraudsters who commit online shoplifting by buying merchandise online and then disputing the transaction after the merchandise reach home. In this way, they can enjoy the merchandise for free, just like shoplifters at brick-and-mortar stores.

Thieves Use Your Credit Card

It’s an open secret how easy it is that anyone, with just a few dollars, can buy valid and stolen credit card information on the internet... and law enforcement and banks are doing little to stop it, say security experts.

It’s estimated there were nearly 1,500 credit breaches in 2017.
Equifax admitted to having the credit information of 143 million people exposed to hackers and the theft of 209,000 credit card numbers.

Some of the stolen information winds up on 'carding' websites that sell everything needed to use the credit card online or the magnetic strip of information on a credit card.

One website operating with an IP address in Eastern Europe has been operating for at least four years in plain view of law enforcement, and the banks that underwrite the credit cards.

The site, which we will not name, has a sophisticated search engine that lets users find cards by type: Visa, Mastercard, American Express, Gold, Platinum and Chairman’s; by the issuing bank, debit or credit and possibly most important, ZIP code of the card’s owner.

Thieves know if a stolen credit card is used for moderate amounts in the same zip code as the card's owner, it’s less likely to be immediately flagged for fraud.
And many of the sites offer what’s called a checker. Once the stolen information is purchased, mostly like with a cryptocurrency like bitcoin, the buyer can run the information through a check to see if the card numbers are still valid.

9

No Need of your Signature on Purchasing Credit Card

No Need of your Signature on Purchasing Credit Card

Mastercard Inc. (NYSE: MA), Discover Financial Services (NYSE: DFS), American Express (NYSE: AXP), and Visa Inc. (NYSE: V) all announced that they would stop requiring credit card signatures by April of 2018. Some issuers are dropping the requirement for all purchases made in the U.S. or North America, while American Express is dropping the signature requirement worldwide.

New, improved methods for fighting fraud

With the advent of chip technology, machine learning, and improved data management, banks have fraud detection methods that are far more sophisticated, and faster, than a simple signature.

Have you ever received a fraud detection notice from your bank? Has your bank ever shut down your credit card because you forgot to tell them you were traveling out of state or abroad? If so, that's your card issuer's fraud detection system at work.

Banks have massive amounts of data stored on all cardholders. This information includes everything from where and how often you use your credit card to the kinds of purchases you typically make and what time of day you make them. This data forms a spending pattern that allows card issuers to detect and flag anomalies as potential fraud.

If this weren't enough, signatures have now been made completely obsolete by the advent of chip cards. The implementation of that EMV chip in your credit card, along with terminals that use chip readers instead of swipers, has caused a massive decrease in credit card fraud.

How to protect yourself from credit card fraud

You shouldn't just rely on improved technology to keep you protected, though. There are a number of ways you can prevent and fight credit card fraud.

Act quickly if your credit card is lost or stolen. Call your bank immediately and freeze your accounts, even if you think you may have simply misplaced it.
Check your credit card statements vigilantly. You can set up purchase alerts so that your bank notifies you of certain behaviors like a purchase made over a certain dollar amount.

Use a mobile wallet. Because phones now require biometric data to be unlocked, and mobile wallets encrypt your information, they're safer than carrying a physical credit and traditional online shopping.
Monitor your credit report regularly. Many credit cards now offer free credit monitoring. If you notice your score drop, pull a report and find out why, as it could be the result of fraudulent activity.

10

Mobile Wallets can Make Paying by Credit or Debit Card Seamless

Mobile Wallets can Make Paying by Credit or Debit Card Seamless

Tap your phone at checkout and you're on your way. But mobile wallets are just the beginning. Payment networks and manufacturers are building payment functions into more devices — expanding your options as well as freeing up your hands.
You could find yourself buying gas from the dashboard of your car, groceries from your refrigerator door or dinner by flashing a smile. And you won't even need your phone with you to make purchases on the go.

MORE DEVICES ADD PAYMENT CAPABILITY

Payment options already available or on the horizon include:

• Wearables. Connected "smart" accessories such as watches, bands and rings travel lighter than a phone. To use, the wearer holds a wrist or hand up to a contactless payment terminal. Visa tested these devices at the 2016 Rio Olympics to demonstrate possibilities, says Mark Jamison, global head of innovation and design at Visa.

The market will determine, he says, if fashion designers want to "embed payments into a ring or any other device." One company privately testing similar tech is Token, whose smart ring — which performs a variety of functions, from opening doors to paying for purchases — has a waiting list.

In 2017, payment capabilities branched out from Apple and Android smartwatches to some Fitbit and Garmin fitness devices, meaning more people could leave their phone behind while working out.

By the end of this year, Visa expects merchants to have tap-to-pay capability at 50 percent of U.S. locations where face-to-face transactions take place.

• Virtual assistants. When voice payments are enabled on virtual assistants like Amazon Echo and Google Home, you can multitask and take care of "errands" in the moment with verbal commands.

CONNECTED DEVICES WILL BE THE NORM

Consider the number of mobile applications with saved payment information on your mobile device. In the future, you could free up some data and save a little battery life by using other connected devices:

• Cars. Visa and Mastercard are working with manufacturers to embed options in car models. Manufacturers are also testing ways to pay for gas, groceries, takeout, metered parking and other things from screens on vehicle dashboards.

"It's still early, but we are focused on bringing that to life this year, to have the ability for you, as the driver, to not just order from one type of merchant," says Stephane Wyper, senior vice president of new commerce partnerships and commercialization at Mastercard.

11

How to Dispose your old Credit Card?

How to Dispose your old Credit Card?

It’s the same with the length of your credit history, which comprises 15 percent of your score. The longer you’ve had a credit history, the better your score will be. So if your Gap card is from your college years, it’s wise to keep it open.

If you opened credit cards for certain purposes (like, say, an extra 20 percent off at the Gap), then you may have a few extra lying around that you’re wondering what to do with. You don’t use them—you’re more of Club Monaco girl now—but is closing them the smartest solution?
Not necessarily. For one, you could hurt your credit score, depending. That’s because your credit utilization and your credit history length will take a hit if you close a card.

Your credit utilization is how much of your credit limit you’re using, and it comprises 30 percent of your FICO score. Let’s say you have two credit cards: Your old Gap card, with a $500 limit, and a run-of-the-mill rewards card you use for most purchases, with a $3,000 limit. Your total credit limit is $3,500, but you should aim to use no more than 30 percent of that at a time, or $1,050 (and ideally you’ll top out at 10 percent credit usage). Keeping the Gap card open gives you a bit more wiggle room.

If you know you won’t be tempted to use them, and they don’t have an annual fee, then leave them open. If they do have a fee, try to negotiate. “Contact your credit card provider and see if they’ll waive the fee in exchange for keeping you read related credit card information on *merchantstronghold.com *

One other idea: If you’re worried your bank or creditor may close the account due to inactivity, you can set up a recurring auto-payment on it (like your electricity bill) that you know will be paid off each month. We wrote about that here. Personally, I’m not sure I would worry too much about this and I would prefer the peace of mind of not using the cards at all, but it is an option.

12

Visa Issues in UK and Europe - Card Problems Payment System Go Down

Visa Issues in UK and Europe - Card Problems Payment System Go Down

The Visa payment system has crashed, leaving some people unable to buy things or complete transactions.

Even shoppers not using Visa have been unable to make purchases, because the network provides payment systems for a range of shops and financial institutions.

Customers have reported arriving at tills to have their cards declined. Retailers say they have been left unable to take payments in shops, bars and other outlets, forcing them to resort to only taking cash or not making sales at all.

The payments look to customers like they are being declined, in the same way as when a card has insufficient funds. But the issues are actually a consequence of the global network of payments run by Visa.

Visa users received messages telling them there is a "disruption of service", meaning payment providers are unable to receive or send money.
A range of different banks and other financial institutions use Visa's payment system, meaning that even transactions using non-Visa branded cards could be affected by the problem.

The issues have been described as intermittent, and some payments over the Visa network do still appear to be going through. Cash withdrawals do appear to be functioning.

A statement from Visa suggested that it didn't yet know the cause of the outage.

  • “Visa is currently experiencing a service disruption," it read.
  • "This incident is preventing some Visa transactions in Europe from being processed.
  • "We are investigating the cause and working as quickly as possible to resolve the situation.
14

Real Time MasterCard Account Updater Service Globally Launch By Adyen

Real Time MasterCard Account Updater Service Globally Launch By Adyen

NEWS PROVIDED BY - Adyen

Adyen the payments platform of choice for many of the world's leading companies, today announced its direct API integration with the Mastercard® Account Updater service. Qualified merchants processing with Adyen globally can now increase revenue from card-on-file payments by automatically updating Mastercard accounts in real time.

"The subscription economy is experiencing massive growth, with 100% increase year-over-year for the last five years1. Beyond digital services, Adyen is seeing a strong uptake in physical products like cosmetics, fashion and bicycles now offered as a subscription service. Payments are a critical touchpoint for ensuring uninterrupted service for customers and sustained revenue for merchants," said Roelant Prins, chief commercial officer at Adyen. "Adyen, together with Mastercard's Account Updater, is focused on making the highest number of payments succeed by automatically updating card data at the point of transaction, preventing involuntary card declines due to expired or replaced cards."

The direct API connection helps to prevent card declines due to account changes caused by expiration dates or new replacement card numbers, among other reasons. Microsoft and Twitter are among Adyen's merchants using the Mastercard Account Updater service.

Adyen's use of the Mastercard Account Updater API can be activated instantly with no merchant integration required. Adyen also provides merchants extensive live performance data including authorization rate impact by issuing bank and decline code.

"Today's consumers have their card information stored at multiple online stores and in the event the card gets replaced, it is an inconvenience to remember and update the card details at all the stores," said Johan Gerber, executive vice president of security and decision products at Mastercard. "As the first payments platform to use our Account Updater API, Adyen is giving merchants a powerful tool to provide a better, seamless consumer shopping experience by automatically updating the details."

Adyen is the payments platform of choice for many of the world's leading companies, providing a modern end-to-end infrastructure connecting directly to Visa, Mastercard, and consumers' globally preferred payment methods. Adyen delivers frictionless payments across online, mobile, and in-store channels. With offices across the world, Adyen serves customers including Facebook, Uber, Netflix, Spotify, Casper, Bonobos and L'Oreal.

15

Payment Gateway Market Focuses On Companies, Opportunities, Market Size & Forecast 2022

Payment Gateway Market Focuses On Companies, Opportunities, Market Size & Forecast 2022

The research report studies the Payment Gateways market on the basis of several criteria, including type, application, and geography to provide a better understanding to the readers. The overall supply chain of the market has been explained in detail, which includes statistical information and special emphasis on various upstream and downstream elements.
Get your queries resolved from an industry expert. You have any reasonable time, you can contact and ask - Payment Gateway Market Experts

The report also sheds light on the current trends related to the demand, supply, and sales of Payment Gateways, along with the recent developments in the field. The report includes tools such as Porter’s five force analysis and market attractiveness analysis. Through those tools, the report sheds light on the bargaining power of buyers, bargaining power of suppliers, threat of new entrants, threat of substitutes, degree of competition, and measure of the potential of each regional market.

*Scope of the Report:
*
This report focuses on the Payment Gateways in Global market, especially in North America, Europe and Asia-Pacific, South America, Middle East and Africa. This report categorizes the market based on manufacturers, regions, type and application.

A payment gateway is an e-commerce application that authorizes payments for e-businesses, online retailers, bricks and clicks, or traditional brick and mortar businesses. It transmits Transaction information to Acquiring Banks and responses from Issuing Banks (such as whether a transaction is approved or declined). In other words, the transaction flows through the payment gateway, to the payments ecosystem, and should it be approved, will eventually make its way into the merchant account.

*Market Segment by Regions, regional analysis covers
*

North America (USA, Canada and Mexico)
Europe (Germany, France, UK, Russia and Italy)
Asia-Pacific (China, Japan, Korea, India and Southeast Asia)
South America (Brazil, Argentina, Columbia etc.)
Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria and South Africa)

*Market Segment by Manufacturers, this report covers
*

PayPal Stripe Amazon Payments Authorize.net WorldPay Adyen CCBill 2Checkout First Data SecurePay PayU MOLPay Paymill GMO Alipay Tenpay Ping++

*Market Segment by Type, covers
*
Online Mode
Offline Mode

16

Accepting Online Payment Gateway Considerations

Accepting Online Payment Gateway Considerations

Thinking of accepting payments online? Great idea. Online shopping is a booming industry across the globe, and U.S.
To get started, you’ll need to select a payments-gateway provider to integrate with your current payment system, build your online shopping cart and process your customers’ online payments similarly to how payments are processed in-store.

But with so many payments gateway providers to choose from, finding the one for your business can be overwhelming and confusing.

Here are the top nine things you should consider before making a selection:

1. Your Customers' Experience

It’s common knowledge within the payments industry that offering your customers more ways to pay creates a better customer experience. Great customer experiences lead to repeat customers, which often leads to referred business. Adding an online element is a great step towards creating a positive experience in your customers’ minds.

2. Technology and Functionality

Speaking of customer experience, you want to make sure your gateway provider can support the types of functionality (e.g., reporting, emailed receipts) that best suit your business and appeal to your customers. Easy integration is key. Your gateway provider should offer the flexibility that allows you to do business today AND as your business grows in the future. Look for a provider that is constantly developing new ways to elevate user experience and ease of use.

3. Your Business Location and Incorporation

Where your business is located and where your provider is located can make a difference in how you incorporate your business, which is what most gateway providers will ask of you. This means there are a different set of incorporation rules for an U.S. business seeking processing service from a gateway provider in the U.K., and vice versa. It’s important to know those details ahead of time to get you accepting online payments quicker.

4. Your Business Model, Products and Services

The type of business you have is just as important as the type of gateway provider you choose. Some payments processors don’t support businesses and services that are considered “high risk.” Before you make a selection, save yourself some time by making sure the payments processor you choose doesn’t put your business in that category.

Examples of high-risk industries are:
Gaming, Gambling, Dating, Travelling

  1. Pricing, Fees and Service Value
  2. Technical and Customer Support
  3. Payments Security
  4. Getting Paid and Reserve
  5. Recommendations From Peers If you’re get more information related Payment Gateway and Merchant Account visit website – Merchant Stronghold
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Reliable Online Payment Solution for Training and Coaching Businesses

Five trades of a best online payment system

You want to gain additional income and want your customers to be happy? Mobile commerce is one way to do that. You can accept payment on android, tablet, and IPhone.

A system that makes sure your customers are rightly billed.

Payment gateway capable of establishing money reserve for expansion, emergencies, and retirement without hurdles.

There won’t be painful solutions for the training and coaching business. Your cash flow will be improved and you will be able to resolve customer issues.
There will be end to waste of time and frustrating options.

These are some of the unique features that you are going to get. Our payment systems are recommended by many merchants who are dominating their industries. Some of the key products of merchant stronghold can also been seen in specific industries.

Better Solution for Merchants

Our payment solution is up to date, reliable, fast, and secure. It doesn’t matter which business you are running, you can trust us. Merchant Stronghold’s online payment system can make your operation smoother. We have award winning services and experienced professionals who can settle a payment method that fits your business.

By using our online payment solution, you get more than just a way to process transactions. Our services can add value to your training and coaching business, and help you generate revenue. With our help, your brand will certainly get more exposure and you will be able to satisfy your customers. Here are some of the key factors that we focus upon:

Fast Transactions for your business: We can provide a system that will accept payments fast and instant.

Reliable uptime: A highly stable online payment system that guarantees you protection so that your business can progress.

Data security: You can rest easy because there are quality tools and secure architecture that will keep frauds away from your business.

Value added services: You don’t have to stick with one payment solution, features such as mobile payments and others can also be provided under a reasonable budget.

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Describe Online Secure Payment Gateway

Describe Online Secure Payment Gateway

Рауmеnt Gаtеwау vѕ. Merchant Aссоunt

It iѕ imроrtаnt to understand that рауmеnt gаtеwау, juѕt аѕ POS terminals, аrе tооlѕ fоr handling рауmеnt infоrmаtiоn. Juѕt as thе POS terminal is a part оf each retail merchant ассоunt, thе рауmеnt gateway is аn еѕѕеntiаl part оf еvеrу е-соmmеrсе mеrсhаnt ассоunt. Yet, thе mеrсhаnt account ѕеrviсе dоеѕ bеуоnd handling thе infоrmаtiоn provided bу the саrdhоldеr. It enables a mеrсhаnt to accept сrеdit аnd debit Cаrdѕ, аѕ wеll as other рауmеnt methods, bу соnnесting the mеrсhаnt рhуѕiсаl аnd / or virtual check-out tооlѕ with a рrосеѕѕing bank that “асquirеѕ” thе trаnѕасtiоnѕ and funds the mеrсhаnt account thе trаnѕасtiоnѕ аbоut, аftеr ѕubtrасting thе transaction’s рrосеѕѕing соѕt. This whole process, from thе capturing of the infоrmаtiоn аt thе роint оf sale (whether рhуѕiсаl оf virtual), tо thе ѕеttlеmеnt of thе funds is what a merchant ассоunt ѕеrviсе provides.

Hеrе is a dеtаilеd dеѕсriрtiоn оf the Рауmеnt Processing Lifесусlе

  • Consumer uѕеѕ a сrеdit саrd fоr рауmеnt. Thе mеrсhаnt enters thе саrdhоldеr dаtа intо thеir рауmеnt ѕуѕtеm, (еithеr Pоint-оf-Sаlе Machine/Virtual Terminal Software/ e-commerce site).
  • Thе асԛuirеr / рrосеѕѕоr rесеivеѕ саrd data frоm merchant. Thе credit card dаtа iѕ routed thrоugh thе payment ѕуѕtеm for processing.
  • Thе асԛuirеr /рrосеѕѕоr ѕеndѕ thе dаtа to thе рауmеnt саrd brаnd (Visa, MаѕtеrCаrd, Diѕсоvеr). Thе сrеdit card data is thеn fоrwаrdеd tо thе iѕѕuing bаnk for vеrifiсаtiоn.
  • Credit саrd is verified by iѕѕuing bank/processor. Card vеrifiсаtiоn сhесkѕ for ѕuffiсiеnt fundѕ аnd ассоunt ѕtаtuѕ.
  • Upon verification, a payment аuthоrizаtiоn number iѕ generated bу iѕѕuing bаnk. Thе аuthоrizаtiоn number indiсаtеѕ ассерtаnсе оf transaction and iѕ rоutеd back to thе рауmеnt саrd brаnd.
  • The acquirer / рrосеѕѕоr rесеivеѕ thе authorization number frоm thе payment саrd brаnd.
  • Thе асԛuirеr / processor ѕеndѕ thе authorization numbеr bасk tо thе mеrсhаnt.

Mеrсhаnt соmрlеtеѕ thе sale. Cuѕtоmеr rесеivеѕ the gооdѕ оr ѕеrviсеѕ.

Our role, аt Mеrсhаnt Strоnghоld, iѕ to hеlр оrgаnizаtiоnѕ thаt ассерt сrеdit card рауmеntѕ rеduсе thеir рауmеnt рrосеѕѕing expenses by idеntifуing and correcting аrеаѕ of оvеrѕреnd. Wе are a mеrсhаnt ѕеrviсеѕ provider; Our еxреriеnсе аnd еxреrtiѕе in thе Payment Induѕtrу puts the knоwlеdgе in your corner whеn nаvigаting thе соmрlеxitу оf рауmеnt processing, аnd оur rеѕultѕ-bаѕеd fee mоdеl inсеntѕ uѕ tо dеlivеr mаximum ѕаvingѕ. Contact us if you need аnу hеlр frоm uѕ- +1(888) 622-6875.

30

Benefits of Credit Card Processing for E-commerce Businesses

Benefits of Credit Card Processing for E-commerce Businesses

Let’s see some benefits of online credit card processing.

SECURITY
It is important for every online merchant to consider the security and stability as the key factor of their business. For the long run of business and retention of customers, a reliable online credit card processing service is a must. The technology that is used for security includes PCI compliance standards. This makes it very difficult for criminals to crack the code and obtain customers data. Therefore, the customers gain confidence to use their credit cards to make a payment without hesitation.

FLEXIBILITY
When an online business touches international boundary, it becomes essential to have a payment processor that can accept major currencies. We, at Merchant Stronghold, create such an E-commerce solution to deal with a variety of currencies. No longer bound by geographical boundaries, limited currency acceptance; the sky is the limit for your E-commerce business.

IMPROVES ABILITY
To make the website visually effective, a merchant invests a lot of time and money. But most of the merchants do not consider it important to invest much time when it comes to payment processing. However, to improve online transactions for your E-commerce business, it is important to choose the right payment gateway. A system that enables the communication between the merchant processor. Also, a PCI compliant website to share customer’s payment details, bank account, and merchant processor. With this, a business owner can carry out transactions 24 hours, 365 days. The payment gateway is designed to handle data collection, encryption and secure transmission of data to the merchant account.

MEET MERCHANT STRONGHOLD
For more than a decade, Merchant Stronghold has proven its worth by providing excellent customer services, resolving queries of clients. And, providing them with the best solution for the credit card processing. Go through the list of various options available, pricing, after sale service and compatibility before finalizing a payment gateway for your business. So, connect with our professionals now.

36

Accept American Express Card For Your High-Low Risk Business

Accept American Express Card For Your High-Low Risk Business

You can say American Express as Amex. It is a multinational financial service that also happens to be a popular card network. Along with that, American Express Merchant Services is a division of the Amex that works with merchants to process the various transactions in their business.

Amex operates as both card issuer and acquirer which results in slightly different rules for the merchants if you are comparing with Visa or MasterCard.

Just read the following article which helps you to understand the American Express Merchant Services before getting them.

AMERICAN EXPRESS FEES & RATES

The first question most of the merchant asks before getting merchant services is often related to fees. The prices set for the Amex are transparent and follows a robust plan.

Also, American Express is continuously working to promote small businesses with their new ventures like opt Blue Merchant Services.

In exchange for the payment processing network, American Express charges fees. However, the breakdown of these charges can be too much for users sometimes to understand. To understand these charges, you can simply contact the American Express Customer Services and ask for the details.

AMERICAN EXPRESS CHARGEBACK DISPUTE

When going for the American Express Merchant Services, you should gather as much information related to chargeback as possible. As we discussed the chargeback reason code for the Amex are different than the other card networks.
However, a merchant should know about chargeback and related rules if the Amex card is going to be used in the business.
Study the various reason codes of the American Express and get as much information as possible. Unlike Visa and MasterCard who outsource merchant services, American Express manages most of their services inside.
Therefore, you should expect transparency with their fees structure and their performance as well.

Technical Support Team

As we said, Amex handles most of their service in order to offer comfort to their users along with the complete trust in the brand. Also, American Express is known to offer a great customer service to their users. And the same criteria are applied to the American Express Merchant Services.

In case you are still confused then feel free to contact the Merchant Stronghold and get all the information regarding the Amex and their services. For that, you can place a call at the toll-free number i.e. +1 (888) 622 – 6875 or simply try the 24/7 email support.

37

How To Choose Right Recurring Payment Provider

How To Choose Right Recurring Payment Provider

Now, there are a number of payment service providers available and it gets difficult to choose the one that suits all of the merchant’s needs. In such a case, merchant can make the best choice by evaluation the business requirement and comparing the available options, a.

Here are some essentials that you will need while choosing the right recurring payment provider:

KEEP LOCATION IN MIND

When choosing a payment service provider or gateway provider, make sure they are available in your location. Meaning, you need to check whether that specific company offers the services in your location or not.

Also, you can get details of all the leading payment service providers in your location and compare their services.
There are many processors who offer their services in multiple countries. You can choose these if you have an overseas business.

TYPES OF PAYMENTS YOU NEED

Of course, you are looking for the recurring payment processor, but do not forget about other details and payment types that you would need.
You can check what kind of payments does the processor accept. Also, the card types such as Visa, MasterCard, Discover, AmEx and more are accepted or not.
Furthermore, people are now using mobile payment wallets so, you can also check whether your processor accepts all these payment types or not and then get a recurring payment provider.

TRANSACTION SECURITY
When it comes to transaction security, you should never leave any loose ends. The security should be the number one priority while choosing the payment provider.
Make sure the transaction and transaction details are safe while using the company’s platform. You can ask for more details related to the same from the company if you are willing to try a particular payment processor.

FREE TRIALS

Check whether the payment provider you want offers a free trial or not. If yes, then you can try their services to check whether it is working for you not.
You can ask for a free trial anytime. Along with that, check whether there are any hidden charges or fees, and if possible, get a recurring payment provider with no hidden charges.

USER-FRIENDLY
TECH SUPPORT
PCI COMPLIANCE

In order to Get Recurring Payment Provider, you need to go through various queries before landing to one payment processor. This will increase your productivity and help you with ROI as well.

38

E-Commerce Website Compliance Requirements For Merchants

E-Commerce Website Compliance Requirements For Merchants

They need to created, designed, and optimized according to the market demand. If you are a merchant and need guidance with the basic E-Commerce website requirements then this article will provide you with all those details. Furthermore, get in touch with Merchant Stronghold for further information.

MANDATORY E-COMMERCE WEBSITE REQUIREMENTS

When selling your goods and services using a website, you need to follow some rules of the E-Commerce business. Otherwise, you will be barred from continuing any business online.

Some of the mandatory website requirements for E-Commerce are listed here.
**
TRANSPARENT TERMS AND CONDITIONS**

Providing all the details related to your business is important not only for the customers but also for the business. A customer or any user can report the website if you are not providing the terms and conditions properly.
It helps the customer to understand your business codes or rules.
The language used should be clear and easy to understand.
You should also add a section ensuring the privacy of the customer and that their data will remain secured & private.
This should also include the return and refund policy in simple language.
Other than that, add a detailed description of issues that a user can face and how to act in case of an issue.
After that, you can add any other additional information that you want your customers to know about.

ADD A “HOW TO MAKE PURCHASE SECTION”

Most E-Commerce websites add a detailed section where a customer can reach out and get details related to the procedure to make a purchase. This means, your e-commerce website should include the “how to make purchase section” too.

Here are the details that you can add to it:

Also, provide a section telling the importance of the account creation.
Firstly, give a complete description of making an account or signing up with your website.
Along with that, how to add personal details such as name, contact number and email address. Also, ensure that all this information will remain secure.
Finally, provide a complete guide to make payment using various methods such as Cash on Delivery, Credit Card, Debit Card, Internet Banking, and wallets. You can also add details related to the payment gateway that you are using.

If you want then you can hire an expert to get details related to the website compliance requirement for the merchant.
For more such tips and recommendations contact Merchant Stronghold. Feel free to try our 24/7 available toll-free number +1 (888) 622 – 6875 or the email support. We specialize in providing assistance to high-risk merchants and credit card management.

39

Authorize.Net Credit Card Processing Services For Merchants

Authorize.Net Credit Card Processing Services For Merchants

The Features Provided by Authorize.Net

Here are the features of Authorize.Net that are discussed in brief. For more details or any query get Merchant Stronghold executive to assist you.

Advanced Fraud Detection

Authorize.Net also offers IP address, regions or transaction from a specific location.
There are various filters and transaction filters that can be added to avoid frauds.

Secure Customer Data

By using Authorize.Net services, the customer can save their payment information and use them every time they make payments.
And, the data entered or stored by the customer remains safe from any exploitation.

Payment Types

If you are looking for expanded payment methods then you can choose authorize.net.
They offer EMV chip cards, digital payments, major credit cards, signature debit cards, e-checks and more.

Recurring Payments

Recurring Payments can give the sleepless night to a merchant as they have a high chargeback rate.
It also gives independence to the customer to make payments anytime without the hassle of entering the details again and again.

Account Updater

It updates monthly credit card transaction details.
This helps the merchant to avoid the interruption due to lost transaction details.

Invoicing

The customer gets the direct email of the recent purchase on their registered email address.
Also, it sends the email regarding any overdue payment to the customer as an alert.

The merchant should get Authorize.Net Credit Card Processing after looking at their plan very carefully. You can contact Authorize.Net to gather the information you seek.

Get Authorize.Net Credit Card Processing

Firstly, you need to register yourself as a merchant to Authorize.Net. After that, create a merchant account there as well. Here are the detailed steps that can help you get through the process:

Start by checking the pricing and plan offered by Authorize.Net by visiting the website.
After that, you need to check the requirements to get the services.
Click on Apply Now button to get the service you need.
Enter the details related to your company including the geographical location information.
Once your verification is complete, you will be given the services you want.
Authorize.Net will send you an email regarding your application and its status.

You will also be provided a merchant account to manage and handle data associated with your business and get Authorize.Net Credit Card Processing.

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Tips to Streamline Credit Card Payment Services

Tips to Streamline Credit Card Payment Services

We help you get the best merchant processing services by evaluating your business closely.

Seamless Site Navigation

Generally, a customer explores a lot before making a purchase. Especially when they are trying your services for the first time. In such a case, you can offer a smooth navigation while jumping from one product to another product as easy as possible.

Ask the customer to add the items they like to add to the wish list.
The products that a customer sees should appear on the recently viewed panel.
Jumping between the products should be easy and more manageable.
Make it easy for the customer to purchase the product whenever or wherever they are. This helps you streamline online payment services and make more profit.

Availability on Different Devices

There was a time when most of the navigation and internet surfing used to be carried out on the desktops. Nowadays, people use smart phones and tablets for online surfing and purchase. However, many of the users still navigate using the PC.
The matter is to make your website or platform easily available on the device.

Also, the Smartphones and Tablets are also available in different screen sizes.
Make sure your website is responsive and works on different devices including Smartphone and computer.
You can also get a designer who can customize the website as per your requirements to get the streamline online payment services.

Offer the Best Customer Security

A customer has a higher chance to make a purchase when they clearly understand the policies. And it is a merchant’s responsibility to convey the terms and conditions to the customer.

Make sure the refund and return policies are clearly listed on the website.
If you are asking for personal details such as contact number, email address and residential address then make sure you keep this information safe and inform the customers about the same.
Furthermore, in case of a refund, make sure your finish the case in stipulated time.

Ask for an Expert’s Advice

The above-listed methods are very general. But if you are looking for the methods that fit your business processing then you can ask an expert to guide you. Earning profit is very important in the business and Merchant Stronghold can help you with that.
Simply place a call at the toll-free number +1 (888) 622 – 6875 or access the email support now. We specialize in high-risk business and help you get the best merchant services.

41

Few Factors to Consider While Choosing A Payment Gateway For Your Online Businesses

Few Factors to Consider While Choosing A Payment Gateway For Your Online Businesses

You can follow this article to compare the Payment Gateway provider in the market. For more information, you can contact Merchant Stronghold for the assistance. Also, we can help you choose and compare Payment Gateway Provider.

Factor 1 – Fees and Additional Fees for the Services

The transaction processing fees and other fees for the services can affect your profit. As a merchant, you should compare the payment processing fees of the services and then get the one that is required. Here are the different fees or charges that a payment gateway service provider can ask.

  • Monthly fees
  • Termination Fees
  • Setup fees
  • IRS (Internal Revenue Service) fees
  • Batch fees
  • Contract Fees
  • Annual fees
  • Customer service fees
  • PCI (Payment Card Industry) compliance fees
  • Statement fees

These are the list of fees that a payment gateway provider can ask. There could be more than what are available in the list above.

Factor 2 – Allowed Card and Payment Types

Types of cards and payment types should be allowed while accepting the payment to help the merchants to compare Payment Gateway provider. Here is the list of popular Card Service Providers:

VISA
MasterCard
American Express
Discover
JCB
Diner

You must choose the card acceptance according to your customers. Also, compare Payment Gateway provider depending on the majority of card payments you get.

Questions that you can Ask while comparing Payment Service Providers – Merchant Stronghold

  • Which is the best payment gateway for your business?
  • How to add your website with payment gateway
  • What is payment processor fees in the current market?
  • Which is the best payment gateway for micropayments?
  • What is payment gateway charges in the USA?
  • Which is the best payment gateway API?
  • What is the best payment gateway for Bigcommerce?
  • Payment gateway providers list
  • Which is the best payment gateway for small business?
  • The best online payment processor for your business?
  • What are available online payment gateways?
  • Which is the best payment gateway for international transactions?
  • Credit card processing comparison chart

You can use this guide to compare payment gateway provider. If you are looking for more details then feel free to contact Merchant Stronghold for the assistance.

42

What are the Common Complaints of Merchant Account

What are the Common Complaints of Merchant Account

In this article, we have listed the Common Merchant Account Complaints and the tricks to avoid such issues in your organization. This article can help you look at both potential risks and rewards of working with a given company.

Poor Customer Service

Now your business and payment processing system cannot be perfect every time. And customer faces an issue with the management. At those times, it is the responsibility of the customer service team to provide the demanded attention to a specific topic.

In such a case, you need to stabilize your customer support service.
Tracking your product and customer reviews should be evaluated.
You should take some time to minimize the customer waiting time.
And nobody wants to listen to the automated answering service.

Cancellation Issues

This is one of the frustrating Common Merchant Account Complaints faced by the customers. Many a times we order a product or service by mistake. In that case, you immediately try to cancel the order on the company’s website.

It is difficult to distinguish between the mistakes and the frauds for a merchant.
But if your enterprise makes your customer go through a lot of trouble while canceling the order then your business is under risk.
Moreover, it could lead to unnecessary Chargebacks.
Solidify the rules around the replacement and return of an order.
And make sure you provide smooth payment processing to your customers.

Misleading Sales Practice

This is one of the worst sales practices. If you wish to lead a long profitable business then never apply such things to your business.

Some merchants try these petty methods to increase sales.
But the customer with one bad issue can report the business of this unethical practice.
For a merchant, sales are very important and to increase sales they try every method.
Advertise your product as it is.
Train your sales agent properly and tell them the customer satisfaction is always the priority.
And if you offer some discount then make sure you clear out the terms and condition to the customers properly.

Set your Price According to your Market

Every merchant wants to earn the profit and for that, they introduce attractive offers with their products while other products are not easily available. In the latter case, sometimes the merchant asks for a really high price that is not according to the product market value. These issues lead to greater trouble for the merchant in future that makes it to one of the Common Merchant Account Complaints.

Disclose your entire price before the customer purchases the product.
This generally leads to customer backing out for the purchase.
Do not add additional charge at the time of payment.
Many merchants are reported of such practices and immediately eliminated from doing any further business.

We provide customized support to the high-risk merchant accounts and credit card processing. Call now or visit the website at app.merchantstronghold.com