Across the Board

Blog on e-business and online payments.

3 “obvious” directions of the payment industry

Payment industry – especially recently – evolves really fast. Just read some headlines on any of the news sites: “Squareup.com is going to…”, “NFC in new model of smartphone…”, “PayPal is buying…”, etc. That’s why I think right now is the best moment to talk about the future of this industry. So, where is the payment industry going?

Right now we can consider and talk about three possible (or maybe better – obvious) directions.

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New look, better sharing

We’re happy to finish this week with two small updates. The first one is just cosmetics, but if you’re a regular visitor to our blog, you’ll surely notice it.
Yep, we have new icons! Our own, hand drawn ones. And since the blog is called “Across the Board“, we wanted to make the icons look a little like drawn and a whiteboard or a chalkboard. Though we managed to achieve that in big pictures, the effect almost vanished after resizing them to icon-size. Either way, we like the new pictures and hope you’ll like them as well. Notice, that some of the pictures have changed and the new ones are more adequate, which should make it easier to navigate.

The second change should be an even better treat. We changed all the social media buttons. Now it’s easier and more comfortable for you to share our posts with your friends.
So here’s what happened: we got rid of the social buttons on the bottom of all posts. Instead of them you now have a floating box with sharing buttons on each post page. If you find anything interesting , you can promote our blog by spreading the word on Facebook, Twitter, LinkedIn, StumbleUpon and tumblr.

Update: What’s more, you can now share our posts also on delicious, digg, reddit, Hacker News, via e-mail and everything else you choose using addThis.

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To CREDIT or to DEBIT?

These verbs – credit and debit – seem to confuse people. So let’s see if one shall be happy if the bank teller checks their account and says for example:

The full amount of the purchase has been credited to your account.

Surely, as it means that the full amount has been added to the account. As a noun used by accountants credit means an addition to certain accounts.

On the other hand we have a verb debit and the incoming example. Merchant has recently refunded a purchase price of 123 USD to one of his customers but cannot see it in his billing statement, therefore asking the acquiring bank if his refund was successful. The acquiring bank replied:

The merchant has been debited on 12.03.11 with the amount of 123 USD.

So the money have been withdrawn from the merchant’s account and the refund was handled properly.

When a bank account has a positive or debit balance,it means the bank owes money to the customer; and if it has a negative or credit balance – the customer owes money to the bank.

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Solo card deactivation

SoloSince the 31st March 2011 card issuers do not accept Solo cards anymore. This is a result of MasterCard’s Maestro Alignment Migration program. To make the long story short – here are the details:

What’s the migration program?

In general, it means that MasterCard is cleaning its Maestro closet. Apart from the changes to Solo Card Scheme, this also includes the fact that domestic Maestro users are being transferred to the international Maestro platform. Maestro UK is quite a significant transfer here. It’s now sort of aligned under Maestro International, so merchants shall offer Maestro International without distinction into domestic UK.

I’m a merchant – what does this mean for me?

If you haven’t done this already, you should stop offering Solo as a payment method; also remove the Solo card type and logo wherever it is displayed. Furthermore, you should be aware of some issues.

  • Since the 31st March 2011 you’re not able to do Solo refunds.
  • If you’re still processing any recurring payments with Solo cards, you should contact your customers and request alternative payments from those cardholders.
  • Ensure all pre-authorised transactions are submitted for settlement.

What about card numbers?

All BINs from ranges 676703676799 are ceased since the 31st March 2011. Also two BINs in the “6767” range have been allocated to Maestro cards, and these are: 676770 and 676774. This information is particularly important if you validate BIN ranges.

This information means that also PayLane stopped offering Solo as a payment method.

For further information you should contact your acquiring bank.

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Exploring CeBIT for small and midsized businesses

CeBITMore than 4200 companies from over 70 countries, 339,000 visitors from 90 countries, 5000 journalists, 45 hours of tradeshow exhibits, and 20 open halls – that was CeBIT 2011! Soon Hannover will be gearing up for the 2012 mega-event. The Hannover trade area can certainly handle the crowds. It’s pretty impressive – a city within a city, with its own bus lines, railway station, catering service and hard-to-find hotel rooms, especially during CeBIT. It’s so big and so important that many companies time their product launches and special offers specifically for CeBIT. The question is: can small and midsized businesses get noticed alongside giants like Google, IBM, Comarch, Kaspersky and Microsoft?

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PayLane’s going to Internet World 2011

Internet WorldThis time we’re heading north to London for Europe’s leading event for digital marketers and online businesses. May 12-13th, our power team will join over 300 solution providers and 12,000 visitors at Internet World at Earls Court, UK. It’s going to be huge – 5 shows in one. And although they’ll be focused on the PayLane mission, they’ll be looking forward to meeting with every partner and client that requests it. So if you’re also on the road to Internet World, or just in the area, swing by and meet the team! If you need help finding us, or would like to reserve a special slot, contact Sales Executive Dominika Buszka (+48 664 967 820) or Managing Director Karol Zielinski (+48 664 967 819).

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John Maynard Keynes said: “If you owe your bank…”

“If you owe your bank a hundred pounds, you have a problem. But if you owe a million, it has.”

– John Maynard Keynes, 1st Baron Keynes of Tilton

As quoted in The Economist (13 February 1982), p. 11

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Cracking the credit card code

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Sony PSN hacked – are credit card numbers for sale?

PlaystationEver wanted to buy some credit card numbers? Actually, you may now have a chance. If you’re into video games, you might have heard that Sony’s PSN was hacked and personal data of 77 millions customers was stolen.

As for now, we knew that hackers got logins, passwords, addresses, birth dates and so on. It was unknown whether they also got credit card numbers, transaction history etc. But now it seems that 2.2 million credit card numbers (including their CVV2!) are for sale!

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Easter… by the numbers

BunnyWishing you all the best and a Happy Easter, we just wouldn’t be ourselves not presenting something colorful here. So there’s a nice infographic below, but that’s not all… If you’d like to see at least a few photos of our last day (and see what was very yummy ;)) before Easter at work, visit our Facebook profile.

Have a wonderful weekend everyone!

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