Across the Board

Blog on e-business and online payments.

Everybody lies. Even numbers.

It surely isn’t new that statistics lie or at least they don’t tell all the truth. Since social media are (unfortunately) very often about numbers, take a look at how many users does Twitter really have.

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French connection – the true story

Is it rewarding to take care about good quality and prices? ‘Sure’, you’d probably say. ‘It attracts the costumers, puts you ahead of others and so on’. That’s all true. But about a month ago I learned at work about one more advantage.

Every day a catering company delivers breakfasts for us. About 9:30 AM two guys walk into our kitchen with a few boxes filled with a large variety of different sandwiches, salads, cocktails etc. They sell the food at reasonable prices, we get to choose from different products, sizes, tastes.

And everybody was happy that way. That is until one day.

A snail

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…and we’re back!

Phew, that was a long break. A month! We truly hope nothing like this will ever happen again. Ok, we don’t hope – we promise.

But there is a bright side though. Of course there are no excuses here and abandoning the blog was truly reprehensible. But since we didn’t have much time to write, it would be nice if we at least told you what was so occupying.

And a lot happened and new things came out. We have a new acquirer, so that’s pretty big. Apart from that we constantly implement new payment methods (this includes preparing to conquer our “home market” – Poland).

Also take a look at our websites, social media and so on – everything is new here, and this includes:

We have tons of ideas, so it’s all pretty often about time. Oh, and that’s one of the reasons why our team recently grew ;) So there are really a lot of things going on, but hopefully such delays won’t happen here again.

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Steve Jobs about consumers…

“It isn’t the consumers’ job to know what they want.”

– Steve Jobs

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PCI Data Security Standards Rock

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What value can coffee present to an employer?

CoffeeDo you provide your employees free coffee? I’m sure you do. Who on earth would work without an aromatic dose of caffeine in the morning, right? But what kind of coffee do you provide? And why?

I’m not asking about whether anyone can have a coffee break at any time or whether there are no limits etc. I assume you run at least a small firm and you’re not fanatically strict (nor despotic). So the only question that’s left is…

Is it instant coffee, ground coffee or maybe fresh coffee beans?

‘What?! Are you nuts?’ – yes, I can read your mind. Of course I know you’re an employer, not a cafeteria. But please, let me just analyze this subject and simply follow my thoughts.

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Glossary: Credit card

Credit cardCredit card – a plastic card (usually 85.6 × 53.98 mm ) which allows its owner to spend money on goods and services. It is possible to spend or withdraw money up to a certain limit.
The card issuer creates a revolving account and grants the cardholder a line of credit. After that the cardholder may borrow money to pay a merchant.

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Brand new layout

We’re into payments, so how on earth could we have a cool site? Oh, and make it attractive to potential clients at the same time. (After all, we eventually have to make some money, right?)

Yet we wanted a good looking and effective website.. Especially that our old one was… well, let’s be honest – it wasn’t exactly George Clooney of CSS. But that’s perfectly normal, every site eventually gets old and requires corrections or rearrangements.

It’s just that we decided, that our needs replacement.

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Glossary: Refund

RefundsRefund – it’s the money (or its transfer) which a customer receives from a merchant after making a complaint. The whole process usually looks like this:

  1. a merchant receives a complaint from a customer
  2. after analyzing the complaint, the merchant decides whether to refund the whole transaction, just part of it or refuse to give back any money at all
  3. if the merchant decides to refund, it makes a proper request-usually instructions are passed to the acquiring bank via PSP
  4. the acquiring bank contacts the issuing bank, which pays the money to the customer

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Glossary: Line of credit

Line of credit is an arrangement between a financial institution and a customer. In other words these are the terms of a credit. They define a maximum loan balance that the borrower will be allowed to maintain.
The terms offered to a customer depend on many factor like, for example, his credit history.

How does it differ from a loan?

Usually there are several advantages over loans:

  • the application process is simpler (also the approval takes days, not weeks)
  • a customer (borrower) can draw money at any time (of course if the credit limit is not exceeded)
  • a customer isn’t charged on the money that wasn’t used
  • there is more flexibility in repayments

Terms, which can mean the same: tradeline, credit line, LOC

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