In Business Since 2001 We accept Paypal
Home for Writers for Publishers Article Directory Article Search
Guides
Article Marketing Secrets
20-Min Article Writing
Author Resource Box
35 Traffic Strategies
Kindle Uploads 101
Fantastic Fiction Decoded


Click Here to
see on Amazon


Site Navigation
Home

Writing Services
+ FAQ

FAQ

+ About Us
+ Blogs
Search Tools
+ Search Our Articles
Article Directory
+ Authors
+ Articles
Other Sites We Own
Writing Puzzle

Professional Book Marketing

Platt Publishing

Marketing Help


 
Article Teaser: ALBANY, New York (AP) -- The nation's largest online payment service, PayPal, is paying New York $150,000 in penalties after misrepresenting to consumers its policy on repayment when merchandise doesn't arrive, the state attorney general said Monday.

Keep reading below...

Paypal vs. Merchant Account

Copyright (c) 2006-2017

ALBANY, New York (AP) -- The nation's largest online payment service, PayPal, is paying New York $150,000 in penalties after misrepresenting to consumers its policy on repayment when merchandise doesn't arrive, the state attorney general said Monday.

PayPal, which claims 40 million customers worldwide, had specifically stated that it provided the same rights and protections of a traditional credit card transaction, said Attorney General Eliot Spitzer. But consumers were often denied those rights, he said.

For example, consumers who didn't receive merchandise purchased through PayPal were often denied reimbursement from either PayPal or American Express or Discover credit cards. A spokeswoman for Spitzer said consumers complained they were being bounced between PayPal and their credit card companies and there was no prompt action.

The credit card firms agreed to properly credit consumers in an agreement with Spitzer late last year.

PayPal creates accounts for buyers and sellers using the Internet, including PayPal's parent, eBay, the Internet auction site. The service lets buyers and sellers exchange money through e-mail.

Besides the penalties, PayPal will pay New York state the investigation costs. The online payment service also will clearly describe consumer rights including conditions or limitations on their rights and refund policies.

Without the agreement, consumers using their credit cards through "e-payment" systems like PayPal would lose their protections under the federal Fair Credit Billing Act and similar state laws.

"Protecting consumer rights in online transactions is the best way to establish and maintain confidence in electronic commerce," Spitzer said.

PayPal has clarified that it will investigate any claims about a deal as long as the complaint is made within 30 days of the purchase.

Our Service is a great alternative to Paypal. Not only do you get your own merchant account and the ability to accept credit cards real time on your website, but you can also process face to face or offline transactions. You can't do that with PayPal.

www.cmscreditcards.com even has better rates than PayPals standard program and you get your money in 48 hours directly into your Business Checking Account. No volume limits like Paypal.


Benefits to having your own merchant account and not a PayPal account:

  • No chance of PayPal freezing funds or holding money because they don't understand your business. When you sign up for an account with us, we underwrite your account so our banks know exactly what you are doing therefore, lessening the chance for you to have your funds held erroneously and hampering your cash flow.

  • Merchant can take both online and offline orders at their home, store, office, tradeshow, etc. You can't do that with PayPal. With PayPal you can only take orders from your website. Though we believe your website sales are important, it is also important that you make sales face to face and via other marketing methods.

  • Merchant gets funds automatically in 48 hours to bank account of their choice.

  • With your own Merchant Account, your customers will not be required to open up a PayPal account just to do business with you.(This is a huge inconvenience to put your customers through just to make a one time purchase from you.)

  • You can do recurring billing transactions for regular customers. Automatically bill a customer $100 per week or per month. You set it up once and don't have to worry about it ever again.

  • Pay Pal does not make their phone number available to its customers. Call our office anytime and you'll get a live person during business hours.


    Main Difference between Pay Pal and a Merchant account:

    The main difference between Pay Pal and a merchant account is that funds are not processed through the merchants own merchant account. All transactions are processed through one or more large bank accounts that the merchant needs to access to get his funds. They are not directly deposited into the merchants checking account.

    The accounts where these funds get pooled are typically too large to be FDIC insured. The method of clearing and settling transactions skirts the rules established by Visa and Mastercard as well as state and federal bank regulations.

    For more information on how your business may benefit from accepting credit cards now. Click over to http://www.cmscreditcards.com


    About The Author: Shop Amazon - Top Gift Ideas
    Scott Burke, President of MAXX Business Solutions is committed to making the merchant experience a pleasure and one that will build long-lasting business relationships. MAXX works as a trusted partner in merchant account credit card processing and strives to provide merchants with the best support, the best rates, and the best service in the industry. http://www.cmscreditcards.com/payment-processing.html

    Follow "The Phantom Writers" on Twitter (@phantomwriters)
    to be notified when new articles are made available.


    VOTE ON THIS ARTICLE
    Needs Work >> 0 - 1 - 2 - 3 - 4 - 5 << Excellent Article

    Tell our authors what you think about their article.



    Top-Level Category: Internet Articles || Related Categories: Business Online Articles

    10 Most Recent Articles Written by Scott Burke

    Comparing Business Cash Advance Loans: 5 Helpful Tips to Look For and Avoid
    Written by: Scott Burke | Distributed: 2008-03-06 | Word Count: 615 | Page Views: 2274 | Votes: 2 | Rating: 2.00
    Merchant cash advances, also referred to as 'business cash advances' are a resourceful, excellent alternative to conventional small business loans - without the hassle. And because of the power of the Internet, merchant business cash advances are quite easy and convenient.

    Have You Been Told Your Business Is High Risk?
    Written by: Scott Burke | Distributed: 2008-02-05 | Word Count: 584 | Page Views: 1753 | Votes: 4 | Rating: 2.50
    As a business owner you may have already been told that your business is high risk or worse yet you may have had your merchant account shut down or cancelled. It's common practice for banks and credit card processors to close accounts that are deemed "high risk".

    Accepting Credit Cards - Positives vs. Negatives
    Written by: Scott Burke | Distributed: 2008-01-29 | Word Count: 1665 | Page Views: 3628 | Votes: 7 | Rating: 3.29
    Today there are hundreds of thousands of small and medium size businesses in this country that take orders via credit cards. In addition, every day in this country, there are hundreds of companies entering the world of e-commerce. They come from many industries including retail, internet, mail order, home based businesses, B2B, professional services, wholesale and mobile businesses. In many cases they are "taking the plunge" to accept credit and debit cards for the first time. Some are successful and some are not. As with any other business venture, the companies that do their homework typically have a better chance at being successful.

    Avoiding Merchant Account Chargebacks
    Written by: Scott Burke | Distributed: 2008-01-22 | Word Count: 1987 | Page Views: 4270 | Votes: 4 | Rating: 2.75
    A chargeback is a transaction that an Issuer returns to a merchant bank and most often, to the merchant - as a financial liability. In essence, it reverses a sales transaction, as follows:

    Internet Fraud
    Written by: Scott Burke | Distributed: 2008-01-15 | Word Count: 500 | Page Views: 2575 | Votes: 14 | Rating: 2.86
    Taking transactions over the Internet can be profitable but it can also bankrupt a small business. Accepting online transactions means accepting additional responsibilities as a merchant. These responsibilities include knowing and understanding your risk exposure and your liabilities.

    How Accepting Credit Cards Can Increase Sales And Revenue
    Written by: Scott Burke | Distributed: 2008-01-01 | Word Count: 486 | Page Views: 4157 | Votes: 9 | Rating: 0.89
    Accepting credit cards is becoming a must for entrepreneurs and small businesses in today's business environment. There are numerous social, demographic and technological factors combining to make plastic the payment form of choice for increasing numbers of people.

    Curious Employee Foils Corporate Credit Card Fraud Scam
    Written by: Scott Burke | Distributed: 2007-12-25 | Word Count: 1411 | Page Views: 2985 | Votes: 11 | Rating: 2.45
    MOLLY, THE ASSISTANT, Molly treasurer at XYZ Corp. in Miami, opened an e-mail from a former colleague who no longer worked for the organization. The e-mail read: "Hi Molly, there should be a refund of $716 on my old corporate Visa card from the IP Conference. I paid for, but did not attend, the conference and did not turn in the charge to XYZ for reimbursement. Can you have Visa issue a refund check to me? Thanks very much for your help."

    Understanding Credit Card Transaction Fees
    Written by: Scott Burke | Distributed: 2007-12-18 | Word Count: 813 | Page Views: 6111 | Votes: 6 | Rating: 2.00
    Q: I'm starting a new business and want to accept credit cards. It seems that all the credit card processors charge a lot of fees for each transaction. What are these fees?

    9 Ways to Reduce Chargebacks and Fraud
    Written by: Scott Burke | Distributed: 2007-12-11 | Word Count: 1029 | Page Views: 3240 | Votes: 10 | Rating: 3.50
    Merchant concern about online credit card fraud and chargebacks is rising at a significant rate. According to the 2001 Online Fraud Report, conducted by Mindwave Research, it revealed that, "41% of merchants say the issue of online credit card fraud is 'very serious' to their business." As e-commerce continues to flourish the number of instances of credit card fraud and chargebacks will continue to mount higher.

    Credit Card Growth
    Written by: Scott Burke | Distributed: 2006-07-05 | Word Count: 384 | Page Views: 4955 | Votes: 9 | Rating: 2.44
    Industries that expand at such a rapid rate often are vulnerable to fraud schemes devised by those seeking to capitalize on newfound criminal opportunities, dated security measures, and outdated laws. The credit card sector is no exception.

    All of Author's Articles on this site:

    Most Recent "Internet" Articles

    How Important Is Wikipedia In The Grand Scheme Of Things?
    Written by: Bill Platt | Distributed: 2013-07-09 | Word Count: 1613 | Page Views: 5047 | Votes: 16 | Rating: 2.88
    Wikipedia is the center of the online encyclopedia universe. Millions of entries on every conceivable topic makes this website an authority source that many young students and adults turn to from all corners of the globe.

    Gaming Laptops - The Last Thing You Should Check Before You Buy One
    Written by: Titus Hoskins | Distributed: 2011-09-13 | Word Count: 725 | Page Views: 3739 | Votes: 6 | Rating: 0.67
    If you're considering buying a gaming laptop, there are many features you must check out before you buy. But there is no last thing you must check before buying. Find out exactly what this is...

    Why Have Online Fax Services Become So Popular?
    Written by: Titus Hoskins | Distributed: 2011-06-27 | Word Count: 695 | Page Views: 2783 | Votes: 3 | Rating: 0.67
    Why have Internet or online fax services become so popular in the modern workplace? Here are five or six reasons which not only explains its popularity, but also gives you some good reasons why you or your company should be using online fax.

    Build a Six-Figure Affiliate Business - Starting Right Now!
    Written by: Marcus Blalock | Distributed: 2011-06-24 | Word Count: 565 | Page Views: 2722 | Votes: 2 | Rating: 0.00
    Affiliate marketing is a great way to make money by simply repeating the same processes and work strategies. .

    Internet Fax Services - Which One Is Right For You?
    Written by: Titus Hoskins | Distributed: 2010-02-11 | Word Count: 878 | Page Views: 2297 | Votes: 2 | Rating: 0.50
    Internet fax services are becoming very popular with companies and home business owners. But which one is right for you or your business? Read this informative article to find out...

    How The Internet Has Changed The World...
    Written by: Braxton Heitz | Distributed: 2009-11-10 | Word Count: 1379 | Page Views: 6474 | Votes: 15 | Rating: 2.53
    As most of us sit down at our computers each day, we might realize that we have begun to take this Information Age for granted. What would we do if we did not have 24/7 Internet connections to keep us connected to the world?

    How Online Marketing Consultants Can Supercharge Your Sales
    Written by: Paul Marshall | Distributed: 2009-11-06 | Word Count: 891 | Page Views: 2269 | Votes: 3 | Rating: 2.00
    Starting an online business, we all need to spend our money carefully, often doing the work ourselves. But getting the help and advice of Online Marketing Consultants could actually save us money, by avoiding costly mistakes and becoming profitable much faster. We understand the reasons people should buy what we are selling. But can we successfully explain that to our website visitors in convincing language they relate to, instead of jargon and lingo related to our industry?

    Don't Destroy Your Online Marketing Results with Bad Website Design
    Written by: Paul Marshall | Distributed: 2009-11-03 | Word Count: 1111 | Page Views: 2392 | Votes: 3 | Rating: 4.00
    Many online marketing consulting firms look at SEO and search engine advertising in a vacuum. They don't consider the big picture. The idea behind all search engine marketing is increased revenue. That requires conversions, not just more traffic. And certain website design problems can kill your conversions!

    A Simple Guide To Online Fax
    Written by: Titus Hoskins | Distributed: 2009-07-28 | Word Count: 615 | Page Views: 2015 | Votes: 7 | Rating: 2.86
    Online or Internet faxing has become extremely popular in recent years. Here's a simple guide to this new way of faxing...

    Internet Telephone Calls: VoIP Basics
    Written by: Nermine Shaker | Distributed: 2009-07-08 | Word Count: 944 | Page Views: 3220 | Votes: 13 | Rating: 2.46
    You've seen the commercials and read the news advertisements for telephone service using your computer: very cheap monthly fees; make all the calls you want; keep your telephone number forever; and voice quality as good as a landline. You've heard the claims and you've heard the term "VoIP." Here's the scoop.

    Most Viewed "Internet" Articles

    Break Your Search Engines Habits To Get Better Information
    Written by: Bill Platt | Distributed: 2008-08-06 | Word Count: 1475 | Page Views: 7504 | Votes: 15 | Rating: 2.40
    Many online searchers get stuck in a rut, by focusing all of their attention on only one or two search engines. But for the person willing to expand his or her search horizons, new and sometimes better information can be found by using some of the alternative search engines available on the internet today.

    How The Internet Has Changed The World...
    Written by: Braxton Heitz | Distributed: 2009-11-10 | Word Count: 1379 | Page Views: 6474 | Votes: 15 | Rating: 2.53
    As most of us sit down at our computers each day, we might realize that we have begun to take this Information Age for granted. What would we do if we did not have 24/7 Internet connections to keep us connected to the world?

    How Important Is Wikipedia In The Grand Scheme Of Things?
    Written by: Bill Platt | Distributed: 2013-07-09 | Word Count: 1613 | Page Views: 5047 | Votes: 16 | Rating: 2.88
    Wikipedia is the center of the online encyclopedia universe. Millions of entries on every conceivable topic makes this website an authority source that many young students and adults turn to from all corners of the globe.

    Exploring Domain Expired Name Register To Find Best Domain Names
    Written by: John Khu | Distributed: 2007-11-29 | Word Count: 511 | Page Views: 4834 | Votes: 7 | Rating: 3.29
    Before dealing with expired domains, you will need to learn and understand how you can use a domain expired name register to find the best and profitable domain names. A domain expired name register is a powerful tool that helps you in searching for the most meaningful expired domain names. It will also make the process of finding such names easier and flexible.

    Voip Is It Better Than Traditional 'Copper Wire' Telecommunications?
    Written by: Gavin Lively | Distributed: 2008-01-16 | Word Count: 821 | Page Views: 4673 | Votes: 7 | Rating: 0.71
    VoIP still has a ways to go before it dominates the telecommunications industry. When it is good, it is the best thing available to subscribers. The problem is that it is not always good when it is delivered via the public internet as it's backbone (something Simply Bits of Tucson AZ has eliminated).

    Web Marketing 2.0
    Written by: Kim Roach | Distributed: 2006-10-10 | Word Count: 1645 | Page Views: 4467 | Votes: 8 | Rating: 3.00
    If you're like me, then you are probably tired of hearing the word Web 2.0 passed around the net like a buzz word on steroids. Google alone currently shows 126,000,000 results for the search term "web 2.0" at the time of this writing. However, although this term may be overblown, it does have significant influence on the current changes taking place on the Internet. Most importantly, it has many implications for the online marketer.

    Meeting a Girl Online
    Written by: Arnold Kligermann | Distributed: 2007-03-07 | Word Count: 1109 | Page Views: 4463 | Votes: 7 | Rating: 3.43
    The first question you ask is Why would I want to meet a girl online? Why try to meet girls online when you can spot a chick you like, approach her, start talking - and actually get a date?

    Creating Your Own Online Radio Station
    Written by: Kim Roach | Distributed: 2006-11-27 | Word Count: 1138 | Page Views: 4419 | Votes: 15 | Rating: 1.87
    Podcasting has leveled the playing field for people around the world. With just a few tools, you can quickly and easily set up your own talk show on the topic of your choice. All you need is a computer, a microphone, and a passion to share your knowledge with others.

    The Life or Death of Your Dream - Forums Can Make The Difference!
    Written by: Al Smith | Distributed: 2004-05-13 | Word Count: 0 | Page Views: 3878
    Do you use online Forum areas for enjoyment, entertainment, business, relationships, . . . For your goals program? Are you stuck somewhere on a plateau; you have achieved some good things, but canít seem to get past your present situation for some reason?

    Ordering Flavored Tea Online
    Written by: Marcus Stout | Distributed: 2007-07-12 | Word Count: 885 | Page Views: 3875 | Votes: 6 | Rating: 2.67
    If you love flavored teas, you've certainly realized that there is an endless variety from which to choose. No matter what flavor you like, there's a tea for you. If you'd like to try a wide variety of flavored teas, you may find it difficult to find all the flavors in your local tea shop. But, by shopping online, you have access to nearly all the flavored teas in the world at the touch of a button.

    Highest Ranked "Internet" Articles

    The Web of Tomorrow
    Written by: Jason OConnor | Distributed: 2007-02-01 | Word Count: 1885 | Page Views: 3407 | Votes: 8 | Rating: 3.63
    By looking at the trends of today we can begin to develop a image of what the Web of the future will look like. I believe the Web will improve and grow in a way that will dwarf its present existence and will improve and enrich everyone's lives way beyond what we can imagine today.

    Becoming a Power Player with Online Game Sites
    Written by: T.C. Gaity | Distributed: 2008-04-17 | Word Count: 1057 | Page Views: 3475 | Votes: 6 | Rating: 3.50
    By participating in various online game sites on the web today, it is easy to build various skill sets, network with other online gamers, and win some great prizes. Online game sites have evolved from simple card games and picture contests to full-fledged casino-style games, tournaments, and competitions. More and more online game websites now feature interactive platforms for word games, puzzles, unique prize drawings, and even company-sponsored contests for terrific prizes.

    Meeting a Girl Online
    Written by: Arnold Kligermann | Distributed: 2007-03-07 | Word Count: 1109 | Page Views: 4463 | Votes: 7 | Rating: 3.43
    The first question you ask is Why would I want to meet a girl online? Why try to meet girls online when you can spot a chick you like, approach her, start talking - and actually get a date?

    New Internet Marketing Tools
    Written by: Titus Hoskins | Distributed: 2008-04-01 | Word Count: 1288 | Page Views: 2876 | Votes: 5 | Rating: 3.40
    New Internet marketing tools are coming online each and every day. Are you taking advantage of these marketing tools or are you losing your online competitiveness because you're not using them? Read more....

    Exploring Domain Expired Name Register To Find Best Domain Names
    Written by: John Khu | Distributed: 2007-11-29 | Word Count: 511 | Page Views: 4834 | Votes: 7 | Rating: 3.29
    Before dealing with expired domains, you will need to learn and understand how you can use a domain expired name register to find the best and profitable domain names. A domain expired name register is a powerful tool that helps you in searching for the most meaningful expired domain names. It will also make the process of finding such names easier and flexible.

    Multiple Uses Of An Expired Domain Name
    Written by: John Khu | Distributed: 2007-12-13 | Word Count: 521 | Page Views: 2593 | Votes: 7 | Rating: 3.29
    An expired domain name could be very precious and invaluable, as it has had a considerable amount of time and effort spent on advertising and promoting it over the web. The combined effect of time and effort gives you a host of benefits and advantages, as soon as you register a particular expired domain name.

    Join The Video Revolution - New and Distinctive Video Sales Tools Are Now Available!
    Written by: Chuck Bauer | Distributed: 2007-06-04 | Word Count: 1619 | Page Views: 3771 | Votes: 5 | Rating: 3.20
    Waiting. And waiting. Yes, I have been waiting for a new electronic sales tool to arrive and it has finally made its way to the marketplace - video e-mailing, live video broadcasting and video training blogs! Best yet, it all works off my laptop and I can operate all functions, virtually!

    Email Marketing Formula, The Beginning - Get Your Emails Read
    Written by: Kimberly Clay | Distributed: 2008-03-19 | Word Count: 766 | Page Views: 3446 | Votes: 7 | Rating: 3.14
    Is your email marketing campaign not as effective as you'd like? Here's what I do for about 90 percent of the email messages I receive: Delete, Delete, Delete... Some days it's so bad, I think my finger's going to get jammed from pressing the "Delete" button so much.

    Web Marketing 2.0
    Written by: Kim Roach | Distributed: 2006-10-10 | Word Count: 1645 | Page Views: 4467 | Votes: 8 | Rating: 3.00
    If you're like me, then you are probably tired of hearing the word Web 2.0 passed around the net like a buzz word on steroids. Google alone currently shows 126,000,000 results for the search term "web 2.0" at the time of this writing. However, although this term may be overblown, it does have significant influence on the current changes taking place on the Internet. Most importantly, it has many implications for the online marketer.

    The Nature Of Blogging
    Written by: Aiyana Rayne | Distributed: 2007-03-27 | Word Count: 804 | Page Views: 3021 | Votes: 8 | Rating: 3.00
    Many of us have adapted to blogging faster than we would even attempt to spell it. Some see it as an opportunity to vent their thoughts and feelings pertaining to their personal lives, while others chose to use it as a creative way of expressing themselves and sharing their views on a particular subject. However we may choose to "blog", it is surely a lot of fun and quite addictive.












    Download an eBook today
  •  
    Directory Navigation
    Locate By Author

    Locate By Category:
    ALL Categories
    Arts & Crafts
    Arts & Entertainment
    Automotive
    Business - Offline
    Business - Online
    Career
    Computers
    Education
    Family
    Finance
    Food & Drink
    Health & Wellness
    Home & Garden
    Humor
    Internet
    Nature & Pets
    Real Estate
    Religion
    Self Improvement
    Shopping
    Society
    Sports & Recreation
    Technology
    Travel & Leisure
    Uncategorized
    World Events
    Writing & Speaking

    Change Number of Results:
    50 - 100 - 200 - 500
    Article Reprint Rights
    Creative Commons License

    This work is
    licensed under a
    Creative Commons
    License


    You are not required to show the creative commons license notice when you reprint this work.
    Article Publishing Tools
    Print Article
    Email-to-Blog
    HTML Source Code
    Text Newsletter Format
    Link Back HTML

    Blog Publishing Tools

    Internal ID: #5504
    Article Statistics
    Word Count: 697

    Total Views: 2576

    Article Rating: 2.31 of 5
    Votes Cast: 16

    More Articles By Author:




    Article Title Search:

    Widow Search
    Right Blinker
    Google
    Yahoo!
    Zuula
    Bing
    Cuil

    Last Distribution Date:
    2008-01-08 10:00:00






    All Articles are Copyright © 2001-2017 of the Defined Authors.

    All other material and images on this site are:
    Copyright © 2001-2017, ThePhantomWriters.com