Donkey God

So your business has expanded to reach the point where you need to find an effective Internet payment solution? The first option to consider is applying for a merchant account. If your business enjoys a solid credit history, pays its bills on time, and avoids controversial dealings, your application should be approved without a hitch. Then you can set up a company Website where you can sell more products and services and let customers pay with a credit card online.

This Internet payment solution is one of the fastest growing e-commerce innovations today. No matter how large or small your company, it is always a good idea to put up a Website to establish a cyberspace presence. At their leisure, your current and potential new customers can visit your site and browse all kinds of information, such as hours of operation, product lines and price lists, testimonials, FAQs, and other useful details. When you install a credit card processor, guests can shop on the Website and pay with plastic by inserting the cardholder’s name, account number, and date of expiration. There is no need to wait around for a check in the mail or a hand-delivered money order.

Pricing for this type of Internet payment solution will vary. After being approved for a merchant account with a participating financial institution that will most likely be a bank, you can shop for the best deal associated with your new merchant status. In some cases, the installation fee will be waived. In other situations, you can get a low transaction fee or an inexpensive monthly percentage rate that will be paid on your account. Other fees may apply, like those associated with membership, maintenance, and gateway service, so you will need to ask about these and other possible costs before signing up for your account with a particular bank or credit union.

Your individual Internet payment solution can be tailor-made to suit your company’s needs. For example, you can apply for a high-volume merchant account if you are doing a brisk business, or you can stick with the conventional merchant account if you are still building a client base. Then you can decide whether to use the regular credit card payment method via the Website or whether you prefer guiding guests to a toll-free number that can be dialed for orders. Discuss you specialized needs with a merchant account associate who can explain the pros and cons of each option so that you can make an informed decision rather than buy the least expensive or the most up-to-date equipment.

Doing business on the Internet can seem a little overwhelming to entrepreneurs who worry about transactional security, fraud, unwanted spam, and computer viruses. Take a short course like those offered by the major computer manufacturers to learn about Internet payment solutions and how to secure your Website. When you are ready to take the plunge, open a merchant account, set up a company Website with ordering capabilities, and provide customers with your Internet payment solution.

Shane Penrod is the founder of Merchant-Acount-Quotes.com Specializing in allowing merchants the ability to shop and compare multiple quotes from national merchant account providers. For free quotes on merchant account rates and fees, please go to www.merchant-account-quotes.com

10 things you should be monitoring on your website

By David Leonhardt

Every business needs to know how it is doing. That’s the idea behind exit surveys, customer feedback forms, suggestion boxes and other devices. Without feedback from the customer, monitoring inventory, expenses, revenue and other benchmarks, a business can take a quick slide down a slippery slope, without the owner ever seeing it coming - or being able to stop the slide.

Webmasters also have things they should be monitoring on their websites. Most of these can be classified as traffic related or server performance related. Here is my top ten list.

Monitoring website traffic

Traffic totals. You want to know how much traffic you are generating. If the line on the graph is heading down, you know you have to find out why.

Referrers. It’s not enough just to know how many visitors you are getting. You need to know where they are coming from. I discovered I was getting a lot of visitors from a Thanksgiving site. They were all being funneled into my Thanksgiving Happiness article. Suddenly I knew I should get more links from other Thanksgiving sites. Valuable information.

Searches. Much to my surprise, my happiness site started getting a ridiculous number of hits from the search for “hairdressers”. It just so happens I wrote a humor column on a hairdresser experience. I was surprised to see it getting so much traffic for such a generic, competitive search term. If that had been a term of a little more relevance for me, this information would have lead me to properly optimize the page and get even more traffic.

Pages viewed per visit. If people visit only one page per visit, you have some work to convince them to visit more pages, like those that make you money.

Pages visited. So you threw up on your site something cool as an add-on. How were you to know that other webmasters would link to it and send a whole bunch of traffic your way? Well, now you know, so add some copy to the page to pull visitors into the rest of your site.

Monitoring website performance

Forms. Are they all functioning? A good website monitoring service can keep tabs on them for you. The last thing you want is to have lost hundreds or thousands of subscribers because a sign-up form stopped functioning

Shopping carts. Slow and complicated shopping carts are responsible for an estimated $25 billion in lost sales. Make sure yours is functioning properly. A good website monitoring service can watch this for you, too.

Download speed. Clear your cache and test your pages. Hmm. Maybe those images are a bit large. Time to compress them, or even remove some. Remember that some people are on a much slower connection than you are. I use a satellite connection sometimes, but when I don’t, my connection speed is 28K.

Server speed. re there problems with server speed? Maybe not where you are, but on the other side of the world. Global website monitoring can alert you to a transatlantic connection problem, so you can take it up with your web hosting service.

Server accessibility. All the web hosts promise 99% accessibility. But is that for real? Who monitors them? By one estimate, 75% of inaccessibility is not on the hosting server, but rather on the Internet’s backbone network and in global routing. A global website monitoring service can help identify the problem, so that you can work with your web hosting company to resolve it before too many sales are lost.

Fun. If you are not having fun, audition for that drummer position in the local band. There is no point spending your life doing something that bores you. Webmastering should be fun.

David Leonhardt is a freelance writer and website marketing consultant. He wrote this article for Dotcom-Monitor Website and Network Monitoring. Read more on network monitoring or on website monitoring.

Building a web site isn’t something that is really cut and dry. There’s a huge variety of products and services that can either help you get your web site where you want it or simply confuse you. It’s also important that you make the right choices upfront so that you don’t end up having to restructure your whole web site because of some problem in your design layout. The level of time investment neccessary for mastery in a lot of these software packages can range from little to a VERY significant amount. Because of this I feel it’s important to be lead in the “right” direction to make sure you don’t spend time in the wrong areas, or learning some software that might not be all that useful for you later on (*coughs* Frontpage *coughs*).

Where you should start greatly depends on what you plan on attempting to do, and how deep you’re going to dive in. For a moderately professional, clean looking web site without a lot of automation or intensive animated graphics you can probably get by with some basic knowledge of html, ability with a good WYSIWYG editor, and an image editting program. On the other hand, if you’re someone that’s looking to build something that will really wow your audience then you might consider spending some major time and developing some animation skills with a program like Macromedia Flash. I personally always spring for what I believe will bring me the greatest amount of profit with a minimal amount of effort, and because of this I usually end up spending all of my time diving in deeper with ONLY my WYSIWYG HTML editor, and my image editor.

## What is a “WYSIWYG” editor? ##
A WYSIWYG (What You See Is What You Get) HTML editor is what allows you to get by with minimal knowledge of HTML. Yes, that means you don’t have to know EVERYTHING about HTML to have a decent looking website. When you use a WYSIWYG editor it interprets what you’re doing (inserting an image for example) as being a certain series of HTML tags with attributes, and does it for you… Thus, what you see on your screen is what you get. Instead of seeing a bunch of HTML code in text format, you’ll mostly see what will actually show up in your browser once your web site is up WHILE you’re making it. I highly recommend using the latest version of dreamweaver — it is well-known as one of the best HTML editors by general consensus. Dreamweaver’s interface is very friendly, has a built in FTP client, and is specifically built to be flexible enough to suit both the coder and the everyday amatuer webmaster.

## Image editing? What do I need that for? ##
Okay, let’s be realistic here: If you’re going to make a professional *appearing* web site it’s important that you can make some basic, decent looking graphics. There’s a lot of graphics problems that can truly get the job done, but as far as power and flexibility goes I recommend Adobe Photoshop. Adobe Photoshop definitely takes some time getting used to, but in the end it’s VERY rewarding. I’ve ended up using my knowledge of Photoshop to make not only graphics for multiple web sites, but also touched up portraits, made business cards, flyers, and other online advertisments such as banners. Infact, I’ve used it for everything except animation… But it also comes with Adobe Imageready which is very good with animation. This software is amazing, and if you’re going to learn ANY image editing software I recommend you start with Photoshop because of it’s widerange of overall… usefulness!

## Let’s get me some sales! ##
Kick off your new web site you’ve gotten up from your knowledge of webmastering and image editing with a few new sales… Sounds like a plan? Well a great way to do that quickly is with pay-per-click advertising. BUT WAIT! Doesn’t that cost money? Well… Yes. But with the tools brought to us by some of the biggest pay-per-click advertisers out there we should be able to make a good evaluation of how much profit we’re going to make without much investment upfront.

The big question behind pay-per-click advertising is whether or not it’s worth the cash when you can simply get traffic from regular search engine ranking (otherwise known as organic traffic). Afterall, there are plenty of companies out there that promise to help get you all the traffic you need through optimizing your web site for organic ranking. The answer to this question is quite simple: profit is profit. Through conversion tracking tools such as those offered by Yahoo! Search Marketing and Google Adwords anyone can calculate exactly what their profit is after cost of PPC advertising is taken out. In my opinion, Google Adwords has the most user-friendly interface among the PPC advertisers. Google Adword’s interface makes it very easy to see which keywords are pulling you in the most sales, and which ones aren’t even worth your advertising money.

Let us not forget, however, that in order to make those conversions we’re going to be needing a shopping cart! There’s a lot of diverse software packages out there you can use, but I’ve been using Mal’s E-Commerce Free shopping cart for a number of years with great success. The cart’s server is hosted on their machines so that means you not only get away with not having to pay for the software itself, but you get out of having to buy an SSL security ticket too! Nothing’s a better bargain than free, eh?

## Getting those sales leads you’ve been building up to BUY! ##
Once you’ve scored a few sales it would probably be a good idea to start using some kind of lead management services. I highly recommend the use of autoresponders for this purpose. Autoresponders are, essentially, a newsletter sign-up that allows you to strategically determine what you want to send each lead after a certain alotted amount of time. For example, let’s say someone visits your web site and you offer them a free newsletter. If you were selling an ebook on some very complicated topic, you might consider sending them only information on the most basic concepts at first to get them interested. Slowly but surely, you can turn those visitors that might have left your web site and never have returned into some serious revenue!

As far as autoresponders go, I highly recommend the use of Aweber. Their customer service is superb (seriously, these guys really know their stuff!) and can be contacted at any point during the business day via online chat or phone. They also offer tons of free information, and guides on making the most of their services. Check out their month long free trial at http://www.getaweber.com/ .

Jacob Richards currently runs a website on the topic of building an ecommerce web site.

The Internet is great at leveling the field for businesses. Where else can you put up a site and immediately compete with huge companies on an international basis?

What It Is

E-commerce, clearly termed as web commerce, basically means selling of merchandise or services over the Internet with electronic transactions and also through a secure network. E-com is not merely buying and selling or providing services but it is also a method of advertising and marketing through an electronic system as well. E-com also means facilitating the progress of commercial transactions electronically. Right now e-com is a well-established technology in all major countries. In most cases internet marketing requires you to have your own E-commerce store for maximum return.

Requirements of an E-commerce Store

Building an online store is not an easy job. Software is required that can manage customers as well as their needs. E-commerce software should be able to handle inventory, shipping and handling costs, taxes, dispatching and payment processing of client’s orders. You may encounter many options when setting out to build an e- commerce store. Before choosing any of them it is important to have a clear view of your requirements. Technical requirements might include coupons, tracking systems, customer login options or any number of other things. Other requirements include what type of impression you want to provide to your valuable clients.

Study the Sales and Marketing Cycle to Determine Your Needs

Before you opt for any of solutions for building e commerce store, study the basic model of e commerce that represents the entire sales and marketing cycle. The first building block of this cycle is audience in which you define what type of customers you will target. Second are commodities, in which you characterize the types of products you will put on the market. Third is customer support where you will answer the questions and offer solutions to clients’ or potential clients’ problems. Next are advertising, marketing and endorsement where a business promotes the products or services. Then there is transaction processing, the most important technical phase of the cycle, which will handle orders, taxes, payment processing and order delivery. Transactions may be automatic or manual. In manual processing you have to enter credit card information manually through an offline terminal. In the case of automatic processing a client’s order form will be setup with a program that processes and charges the credit card for you. After that there are post-deal services regarding how you provide solutions and services after the sale. Last but not least is brand name with which you will create a distinctive business image to correspond with customers. Nobody is going to pay attention to your online store unless something catches their eye.

Research Your Options

Once you have defined your needs, you can then begin researching your options. There are two basic paths you may follow when building an e-commerce store - either buy ready made software or build a custom system with components and parts according to your requirements and budgets.

Flexibility

Some business firms offer gifts and well placed impulse products for better marketing approaches. This requires an e-com solution to be flexible enough to allow various give-aways, coupons and promotions. Also, if your product comes in a variety of models or styles, with different options and different prices then you must communicate these factors and portray them distinctively in your online store. A true businessperson will certainly follow the patterns of his or her usual clients as well as those who directly visit the site. Web statistic tracking tools can be a great help to this end.

Ease of Use

Some e commerce stores are very easy to use and require only a few minutes to learn while others are more complex with so many features that they can be overwhelming. Being able to see a demonstration of software before buying it is a great help to determining ease of use.

Scalability

Being able to grow with your company is very important. If you choose a very simple solution now, then require a more robust solution down the road, you will lose time converting your store. If the URL structure of your store is not consistent, you can also lose search engine rankings by changing e commerce solutions. Therefore, it is important to choose an e commerce solution that can grow with you. For example, some stores owners may not want coupons in the beginning but then down the road decide it is a good idea. Some stores may also have limits on number of products, inventory control and tracking that down the road will be very important.

Security

Of utmost importance to online stores is transaction security. The priority for any business firm should be secure transactions. Thanks to Netscape for introducing SSL (secure socket layer), data can be protected by online store owners. SSL is an encryption technology that encrypts a message and the receiver decrypts it by using RSA security. To enable SSL on your web server you need a digital ID (a form of identification that will recognize you). Many web hosts provide SSL installation for anywhere from a few bucks to a few hundred bucks per year.

Overall, you want flexibility, ease of use, security and scalability in your store. Research your options before you make a final choice, and whenever possible, get a free trial of your solution before you buy.

Halstatt Pires is with the Internet marketing firm - www.marketingtitan.com - a San Diego Internet marketing and advertising company offering automated web site systems - www.businesscreatorpro.com - create web databases, e-commerce sites, business lead management systems and more.

There are many ways of accepting payments online, some are easier, some more expensive, and some which offer ways to take online payments, and pay affiliates without tracking them yourself.

Accepting payments online can be a minefield and as the amount of online payment processors grows, the choice becomes more difficult as to which online payment processor to use. Here we weigh up the pros and cons of 3 of the top online payment processors.

One of the biggest and most widely accepted ways of accepting payment online is to use Paypal. Anyone who has used Ebay is likely to have already come accross Paypal even if they haven’t signed up for an account. Paypal allows the online merchant to accept instant payments from customers either directly from the customers Paypal funds or from a credit card. This combined with its high profile, and use by Ebay makes it a useful payment processor to the new marketer online.

Paypal also gives you easy ways to create buttons and sales links to sell your products, and in the case of digital or downloadable products can be set to send a customer straight to the download page so your delivery work is done automatically. The thing to bear in mind is the fees associated with Paypal, as they take a percentage of every sale paid through them. The fees can soon add up and knock a hole in your profits.

Another favourite payment processor with online marketers is ClickBank.com who also accept credit cards on your behalf.

Clickbank is preferred to Paypal by some vendors due to its built in affiliate program which also has many affiliates searching for products to sell for commissions.

Clickbank makes it easy to setup an affiliate program and pays your affiliates for you directly, and can also offer the instant downloads the same as Paypal. As it already has a huge army of affiliates and people making search scripts to find products in the Clickbank marketplace it seems to be the answer to all your online sales needs, but unfortunately Clickbank have made it difficult to sell more than one product, so you need another account each time you want to sell something, or all your products on one page for affiliates to send their potential clients to.

Another thing in Clickbanks favour is that they have recently started allowing payment from Paypal, so that makes the payment options more varied for your customers, and affiliate customers.

Clickbanks one drawback is that you can only sell digital products through its system, so if you want to sell physical products such as books etc. then you need to look elsewhere.

Another option is to use an online credit card processor such as 2 Checkout (AKA 2CO) which offers the user the ability to accept all kinds of credit cards, and is able to be “plugged into” many shopping cart scripts for use on websites. Although it offers no affiliate program itself, 2Checkout doesn’t stop you using multi level affiliate scripts, unlike Paypal, and Clickbank which are limited in this respect. Where 2Checkout doesn’t compare so favourably is in the fees charged for each transaction, but you do only pay a one off fee to get an account unlike most credit card processors which charge fees and a monthly or yearly membership fee.

These are just some of the choices available to the online marketer who wants to accept payments online, all have pros and cons, but you need to look at what you want to do, and choose one or two of these services to start selling your products online. Use the one which best fits your business model, and budget, you can always look at other ways to accept payment later, but these will get you started.

Douglas Titchmarsh accepts online payments at his discount ebook store The Discount Ebook Store and also at New resell products every month

Are you ready to learn more about an online business merchant account? Most likely you have heard something about this type of e-commerce from your colleagues and peers in the local business community. Or perhaps you have read about a merchant account with its attendant benefits in a financial publication. But even if you have heard nothing at all, here is an opportunity to find out why so many company owners are applying for a merchant account to upgrade their business services.

An online business merchant account can be processed for your company in a matter of hours. You will first have to compare lenders’ offers to get the best possible deal for your business. Then you need to make sure you understand all the prices that could apply to your account. Some may not be clearly apparent on the home page of the lender’s Website, if that is how you are researching the financial underwriters who offer this service. Upon approval, you will be ready to set up various types of credit card processing options to facilitate customers’ payments for goods and services and to make your job of collecting payments that much easier.

How can you use an online business merchant account to increase profitability? One way is to install a credit card processor in your store or shop if you are a retailer. Your customers will appreciate the option of paying by credit in addition to offering cash or a check. Another way the merchant account can help is to provide you with a wireless credit card processor for use in your travels. If you deliver goods, for example, your customers can pay by credit the same day, thus eliminating the need for billing or waiting. At other times you may wish to attend a conference or a special event like a trade show where you may be able to sell company products using a credit card payment processor. This can save you money by letting you pay the lower retail rate with a swiped card as opposed to the higher rate required when you call in the customer’s credit card for approval and someone in the office must key in the account number.

Many business owners will agree that the chief advantage of your online account is to set up a company Website and sell products there as well. You can draw customers from around the world that will be ready to pay with a credit card when your Website is ready to accept credit payments. The site can be operational around the clock with no need for constant staffing, although it is a good idea to have technical support available as needed. When your Website works as it should, the home page can be easily located by many search engines and will bring customers to your location for browsing and possible purchases. When they key in their credit card numbers in real time, your lender, who has coordinated this service with a gateway entity, will deposit the funds in your account promptly. Business doesn’t get much better than that, so inquire today about an online business merchant account.

Shane Penro is the owner of www.merchant-account-quotes.com A site where you can shop and compare multiple quotes from national leading merchant account providers. www.merchant-account-quotes.com

So you want to create a site, that will take get people to pay online. In order for them to do this they need to pay with Credit Card. So you purchase an account with an online Merchant, and want your site to collect the Credit Card information to collect payment.

Now can you do this on your normal page? No, you should not! Why? Because if the page is not secure, then the potential of your customers credit card number getting in the wrong hands is likely! And we don’t want such a thing to happen to our customers. So how do we protect the Credit Card Number? A Thing we call SSL Certificates.

First things first. What is a SSL Certificate?

A SSL Certificate makes your site have a URL with https instead of just http. What does that little s make a difference? It does because with the Certificate, your page is encryped in a Secure fashion, and other groups are not able to view what you do online, and are not able to get secure information such as the credit card number. The goal of the SSL Certificate is to keep your information exchange or purchases with credit card transactions encrypted and secure.

What else does an SSL Certificate do for me?

The main positive aspect of an SSL Certificate, is it shows customers they can do business with you safely. Your visitors, prospects, and customers are on their guard and worry about their personal and financial information being leaked to people who should be getting it. You can turn these same customers’ concerns into a competitive advantage by showing them you keep their information a secure manner. With SSL Certificates 256-bit encryption and 99% browser recognition, customers can be confident that their information will not be put in the wrong hands.

The SSL Certificate verifies:
You were approved to be issued the certificate.
WebTrust Seal of assurance for Certification Authorities

Make sure you get your SSL Certificate to Boost Customer Confidence in purchasing online on your site, and to protect those Credit Card Numbers from falling into the wrong hands!

Domains at Retail is a high quality SSL Certificate Reseller created to help everyone get the cheapest rate for SSL Certificates and the cheapest rate for Domain Names and Web hosting solutions on the Internet (www.domainsatretail.com/securessl.html)

Visit at: www.domainsatretail.com
Download our Free Web Site Startup Ebook: www.domainsatretail.com/DomainsAtRetail.pdf

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The shoppers are on your site, they are interested in the product, but the design of your shopping cart is causing you to lose many if not most of your customers. Sound familiar? It should.

Recent research indicates that the average e-commerce site is losing near 75 percent of its shoppers during shopping cart phase of a transaction. While that statistic is probably influenced upward by a few terrible websites, the fact remains that most sites are losing huge numbers of customers by not focusing on their shopping cart. Fortunately, by taking a few relatively minor steps, you can vastly decrease your shopping cart abandonment rate.

Fewer Steps are Better

This mantra is as old as e-commerce itself. By forcing your customers to go through multiple pages you will assuredly see some attrition. You should ask yourself, is all the information I am collecting absolutely necessary? Is there another configuration that would reduce the number of steps my customers will face? Surprisingly, however, this is probably the last step that you should take. Unless your process is particularly laborious, empirical studies indicate that this will likely affect your attrition minimally for the cost and effort required. So, I am not saying not to reduce your checkout steps, but only that you should prioritize the other steps above this one.

Progress Indicators

In both e-commerce and brick and mortars, the single biggest inhibitor to conversions is uncertainty. This is certainly easy to imagine when you consider some brick and mortar examples. BestBuy stores have transitioned to a single line for all of their cashiers rather than having customers pick a cashier to line up in front of. Why? The answer is simple, uncertainty hurts conversion rates. Humans have an instinctual desire to know what is coming ahead. By including a progress indicator at each and every step of the checkout process you will see some remarkable increases in customer retention. Even if you have a 10 step checkout process, letting customers know where they are along the process will ensure a much greater number of completions.

Pictures, Pictures, Pictures

Shoppers respond to sensory stimulation. People like to take things off the shelf and inspect them. Because that option isn’t available for e-commerce sites, you need to compensate for this deficiency as best as possible. One way to ensure better conversions is to include pictures not only in the store but also in the cart. Shoppers, especially those new to e-commerce want to verify and re-verify that they have made the correct choice. Many of these customers are lost if you force them to use their browser’s back buttons to do so. By placing a picture of the item to be purchased within the shopping cart, much of this need is alleviated, meaning lower abandonment for you.

Provide Total Cost Estimates Early

One of the most overlooked concerns of customers is their distrust of e-commerce sites when it comes to shipping. Maybe it’s the years of telemarketers selling garbage products for close to nothing and then making their profit on the shipping. Whatever the reason, it is important to allay fears of hidden costs as soon as possible by providing your users with a total cost estimate earlier rather than later. Is there something to be said for bringing the customer in with a low-ball lead price? Yes. But after the leader it is important to let customers know what they are really paying as early as possible so as to give a few moments to acclimate to the increase.

Tim McGuinness recommends that you visit www.aspdotnetstorefront.com for more information on shopping carts.

An international business involves making transactions with business representatives/executives from 2 or more countries. It entails adjustments in terms of cultural behavior, laws and legal issues, climate, and language.

Most companies involved in international business require employees who are fluent in English, especially those that are situated in Asian countries. It is their belief that dealing with international clients will be easier if the employee or company executive is well versed in the English language, especially since it is considered the universal language. However, there are companies who stress the need for their employees to be well versed in at least one other language like French or Spanish. They see this qualification as an essential ingredient for conducting successful international business transactions.

Nowadays, doing international business is not relegated entirely to traveling to another country. Rather, it also entails a lot of work done using the Internet. Even if business communication will be done in writing, there is still a possibility for the language difference to create problems. The language barrier can also make it difficult to establish effective working relationships with possible business partners or supporters.

Therefore, if one is really bent on successfully carrying out an international business venture, one has to at least have a good grasp of the English language. Better yet, one can ask for assistance from business coaches who are not only fluent in several languages but are also adequately knowledgeable about local business cultures.

The Affinion Security Center can stop identity theft from destroying your credit rating.

Trilegiant is on the cutting edge of identity security.

In addition to offering internet security, Affinion offers a wide range of products and services to help you attract new customers, strengthen relationships with existing customers, and produce new revenues.

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