Chargeback – the return of funds to a consumer. It’s his protection guarantee and last line of defence. Chargebacks occur mostly due to fraudulent activity or consumer disputes.
A chargeback is usually requested by the cardholder and initiated by the card issuer. Most common reasons are that a consumer doesn’t recognize a specific transaction or isn’t satisfied with the purchased service/product and wants his money back.
Merchants usually prefer refunds, which are the same from the customer’s point of view (he gets his money back), but a lot better for the ebusiness owners. Merchants have to pay a relatively big fine for every chargeback; furthermore, lots of chargebacks make a merchant a risky one for acquirers, which can lead even to the end of their cooperation.
Of course if a chargeback request is unfounded, the merchant can prove this (he has a time limit to respond to a chargeback request) and convince the acquirer that there’s no reason to reverse the transaction.
Bottom line, being a cardholder you have the full right to request a chargeback whenever you think you deserve your money back. However, asking for a refund will make you more friendly towards the merchant and there’s a good chance you’ll get your money back (that is if you have a good reason).
And being a merchant… Simply be aware of this mechanism and provide good quality service or/and products.
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It’s very important to choose a proper business model at the very beginning of your online payment fun. Your success depends on the method you select. Fortunately there are a few possibilities you get to choose from. Each one is assigned to a different online business type.
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Bump – a small application for iOS and Android devices which allows quick and simple information exchange. But how does it really work and what’s so special about it?
The idea is simple: we just need 2 phones (or iPods, tablets etc.) and some information to exchange. A well known scheme, but wait for it… cause here comes magic! You get some cool technology, which comes with a special application on your mobile device.
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We’re looking for a talented PHP programmer to join our team. At PayLane you’ll be working on products and services, which help others develop their online businesses.
Why PayLane?
We offer you something more than just a good job.
We guarantee satisfaction.
We’re a young and dynamic firm which provides modern payment solutions. Offering intuitive payment methods for e-commerce, we aim for increasing functionality and simplifying procedures.
Gdansk, Poland preferred
Our headquarters are in the Arkońska Business Center complex in Gdańsk. We have a great office and fantastic people working there (check out the photos in our Facebook galleries). That’s why we prefer you to work in Gdańsk as well. But we want the best we can find, so we’ll understand if you feel better somewhere else. If you think that you’re perfect for this job, but you don’t live in 3city, we still want to hear from you.
More information
You can find all relevant information on: http://paylane.com/php-programmer
How to apply?
Send your CV and anything else that could convince us to hire you to jobs@paylane.com.
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When you start your own business, online or offline, you need to specify which payment methods you want to offer your customers. And you’ll have no problem finding a lot of information about payments providers, new financial products and services or news from banking market. But the point is to reach a valuable source of information.
Card Academy Bulletin is a Payment Card and Financial Services newsletter published by CAC Card Academy. Being located in Copenhagen, Denmark, they gather fresh news not only from Nordic and Baltic Rim countries, but also from the rest of the European and global market.
CAC organizes also payment industry conferences in Baltic and Nordic countries (such as Latvia, Iceland, Norway, Sweden or Denmark), which attracts companies representatives from payments and banking industry. It’s always nice to meet your business partners face-to-face, especially when you entrust them your money.
To find more information about Card Academy, visit http://www.cac-cardacademy.com/ and subscribe to Card Academy Bulletin.
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Do you have the impression, that all companies use the same template to communicate with you? I mean it’s not even that their language is similar – some phrases or even sentences are sometimes exactly the same! But you rarely even read their emails, cause they’re boring, tiring or even painful, right?
The thing is that you’re not treated like a human being. Companies tend to create a distance them and their customers. Ok, being polite, formal and professional is one thing, but it’s not obligatory in all situations. Writing good copy isn’t easy, but avoiding common “traps” in business writing might be even more difficult.
That’s why I’d like to recommend you two articles by Jason Fried from 37signals on this topic:
These are two great articles on choosing the language to communicate with your customers. And I actually don’t have anything to add here – I completely agree with what Jason states there ;) Enjoy!
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Affiliate programs are pretty unique in the payments industry, so having one would make us at least a little ahead of others. But “a little” is “too little” – PayLane’s motto is way ahead. That’s why we launched a service that no one else has – at least as far as we know.
Why is it so special? Our affiliate program is truly profitable and the rules are very simple. As always – no small print ;)
To make it short, here’s how it goes: our partners recommend PayLane to other merchants and… that’s it!
Now they earn 25% of the income generated by these clients. What’s more, there are absolutely no limits! PayLane partners get 25% for life and their income depends only on the clients (to whom we’re recommended) income. There’s no maximum amount. Now try to top this! ;)
Yeah, you’re right, we’re being a bit immodest… But to prove you that we’re not telling fairy tales here, you can read about us in the latest issues of The Nilson Report (in the Fast Fact section) and in the Card Academy Bulletin (click on the image below to download a pdf file).
Card Academy Bulletin – ISSUE # 78 12.05.2011 – PDF
If you think this is a fair deal – help us spread the word! Or perhaps you’d like to become our partner yourself?
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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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