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Virtual Terminals for Internet transactions  Are you a high risk business in the United States? |
Posted by Robert Richardson, on May 18th, 2012 LightSquared, the would-be satellite 4G wireless network backed by billionaire Philip Falcone and his Harbinger Capital Partners hedge fund, has filed for Chapter 11 bankruptcy. The move, it said in a May 14 statement, will give it “breathing room” to resolve ongoing regulatory issues.
The spectrum used by the network has repeatedly been found to interfere with GPS signals used by industries including aviation, law-enforcement and the military, preventing the network from receiving regulatory approval. On more than one occasion, LightSquared executives have called foul on the regulators overseeing the process, accusing them of rigging the results.
Bankruptcy, Falcone has said, would enable him to protect the company from creditors.
“The filing was necessary to preserve the value of our business and to ensure continued operations,” Marc Montagner, LightSquared’s interim co-chief operating officer and CFO, said in the statement.
“All of our efforts are focused on concluding this process in an efficient and successful manner,” Montagner added.
Montagner took on the role in February, after CEO Sanjiv Ahuja resigned, following a string of setbacks as the company adjusted the network and fought for its approval.
Posted by Robert Richardson, on May 17th, 2012 Up to 8,000 companies doing business with the Pentagon may be qualified to join a newly expanded U.S. effort to guard sensitive information on private networks, a senior Defense Department official said Monday.
The Pentagon on Friday invited all of its eligible contractors to join the voluntary pact aimed at fighting what U.S. officials have described as growing cyber threats that allegedly originate, above all, in Russia and China.
The Defense Department will provide intelligence-derived information on malicious Internet traffic to the companies; the firms are to share information on any cyber penetrations of their networks with the government.
“We think there are as many as 8,000 that are already cleared and could be participants in the program,” Richard Hale, the department’s deputy chief information officer, said in a teleconference.
Perhaps 1,000 companies are expected to take part in the permanent new program initially and if it grows beyond this, “We would be pleased,” he said.
Posted by Robert Richardson, on May 16th, 2012  Chargeback Free Solutions
eComTechnology’s alternative solutions with chargeback free solutions are becoming increasingly more popular as merchants are looking to minimize their risk. We have found that new clients want payment solutions that do not expose them to financial losses due to chargebacks, while existing clients are seeking methods to lessen or totally eliminate chargebacks.
It is not a surprise that merchants are attracted to chargeback free alternative payment solutions, as it is not only the inconveniences that come with chargebacks, but also the additional fees. Unlike chargeback free solutions, traditional billing solutions often require that reserves are held, sometimes of ten percent or more of sales, which can tie up a significant amount of cash that the business otherwise could have used for cash flow purposes.
Managing and processing chargebacks or any type of reversal can be expensive and time consuming. Often fees are also imposed for non-sufficient funds or invalid transactions and with a chargeback the merchant may have to post funds equal to the transaction amount until the disputed transaction has been resolved, often after a lengthy investigation. Unfortunately, more than often the client is king and the merchant loses out.
In addition to paying penalty fees, merchants also run the risk of losing their merchandise for non-payment. Especially merchants that have high-ticket items or merchants that physically ship product do not wish to run the risk of loss and are adding our risk free solutions. eComTechnology offers chargeback free billing solutions that guarantees the merchant their funds with no reserve requirements.
Posted by Robert Richardson, on May 15th, 2012  Image via CrunchBase Facebook Inc’s record initial public offering is already oversubscribed, a source familiar with the share listing said, days after the world’s largest social network embarked on a cross-country roadshow to drum up investor enthusiasm.
Despite concerns about slowing growth, a lofty valuation and signs the company is having trouble ramping up revenue from mobile advertising, institutional investors have so far indicated demand for more shares than Facebook has available, the source told Reuters.
Analysts say the company, which is seeking to raise about $10.6 billion by selling more than 337 million shares at $28 to $35 apiece, may raise that price range if demand turns out to be healthy enough.
One large institutional investor had put in a major order for shares on Wednesday and was calling around syndicate desks trying to acquire more, a second source familiar with the IPO’s progress told Reuters, declining to be identified because the details are not public.
Facebook declined to comment.
The company that began as Mark Zuckerberg’s Harvard dorm room project is expected to begin trading on May 18 after an IPO that dwarfs the coming-out parties of other tech powerhouses.
Posted by Robert Richardson, on May 14th, 2012 A group of Democrats today introduced legislation in both the House and Senate to prevent employers from forcing employers and job applicants into sharing information from their personal social networking accounts. In other words, Maryland may soon not be the only state that has banned employers demanding access to Facebook accounts. The Password Protection Act of 2012 (PPA) would also prevent employers from accessing information on any computer that isn’t owned or controlled by an employee, including private e-mail accounts, photo sharing sites, and smartphones.
Posted by Robert Richardson, on May 13th, 2012  Credit card processing and specializing in international merchants operating adult, pharmacy, gaming or higher risk businesses. With our extensive industry experience and solid offshore banking relationships, we are able to service 99.9% of high risk customers with the same fast set-up time, training and support all our customers deserve. Your business comes first with us and we have the right solution for you! Online Processing 4U offers complete end-to-end solutions for accepting credit cards, checks and much more! We provide domestic USA merchant accounts, international merchant accounts, payment gateway’s and high risk merchant accounts are our speciality. ALL BUSINESSES ACCEPTED! ….. Adult, Membership, Gaming, Pharmacy, Travel, Telemarketing, Subscription etc.
Posted by Robert Richardson, on May 12th, 2012 Queen’s speech unveils UK’s ‘Patriot Act’ Web monitoring plan
Summary: The Queen has officially lifted the lid on plans for the British government to monitor all U.K. Web, email and phone traffic.
HM the Queen, in her first speech to the British Parliament in two years, announced albeit briefly the U.K. government’s plan to monitor all Web activity in the country.It puts the U.K. en par with the United States, Russia, and China in how it monitors its citizens’ Web activity.
The Queen needs no persuasion in signing the bill into law as it is her sovereign obligation, but getting to the Royal Assent stage might be easier than many would hope. The government-written speech is spoken by the Queen to address the upcoming legislative agenda.
It’s not often you see a government hedging, but when you do, it does it in style. Addressing two key issues — the European “safeguard” issue, and the “subject to scrutiny” — the speech highlights how controversial and difficult the law-making process will be in this case.
The controversial plan would see every scrap of Web traffic, every email, and Skype and landline phone calls logged with the third intelligence service, GCHQ, charged with protecting the U.K. from cyber threats.
But the bill to law transition could still be riddled with obstacles and difficulties if the Europeans get their way.
Posted by Robert Richardson, on May 11th, 2012 The fees that Canadian merchants are charged to process credit card transactions are among the highest in the world, a federal Competition Bureau tribunal heard Tuesday.
Kent Thomson, the lead counsel for Canada’s competition watchdog, told the tribunal in Ottawa on Tuesday that the system of fees charged when retailers allow consumers to pay with credit cards goes against competition rules and add up too $5 billion in fees for the credit card industry annually
Under the current system, credit card companies like Visa and MasterCard charge fees sometimes in excess of three per cent to process credit transactions. Consumers, thus far, don’t pay those charges directly, but retailers say the fees on some premium credit cards are becoming exorbitant and eating into their thin profit margins.
Retailers have lobbied for permission to tack a surcharge on to purchases, so customers would be more aware of the costs. But the contracts offered by the major credit firms prohibit any such surcharges. They also forbid retailers from selectively accepting only credit cards from the same company with lower fees and denying customers with so-called premium cards.
Posted by Robert Richardson, on May 10th, 2012  MasterCard (Photo credit: Wikipedia) Think there are too many digital wallets out there? MasterCard would disagree.
The No. 2 payments processor today unveiled PayPass Wallet Services, its own take on the digital wallet. Initially, it will pop up in the form of a payment icon at merchant Web sites. The wallet will allow users to store all of their cards, and MasterCard plans to distribute developer tools to allow other wallets to work with its network. The move is an attempt to broaden PayPass beyond contactless payments and into something more ubiquitous.
MasterCard is just the latest to be lured in by the prospect that comes from managing a consumer’s multiple credit and debit card accounts. As such, it enters an already crowded field attempting to stake their respective claims in this burgeoning field.
There are already competing efforts to put out a digital wallet by rivals Visa and American Express, the wireless carriers, and PayPal. Interestingly, the move could be interpreted as counter to Google’s own digital wallet, in which MasterCard is a key partner.
Posted by Robert Richardson, on May 9th, 2012 In an effort to market the pricey, though sublime, MacBook Air notebook to a wider audience, Apple is working on a $799 version of the computer, according to a report in the Taiwanese tech publication DigiTimes. Quoting unnamed “sources from the upstream supply chain,” the article said Apple is considering offering the $799 MacBook Air in the third quarter of 2012, possibly in response to the upcoming generation of Intel-branded Ultrabook notebooks.
Intel has poured an enormous amount of money into the research, development and promotion of the Ultrabook platform and a related application store. Much of the success of the next generation of these notebooks could be tied to the success of Microsoft’s Windows 8 operating system, which is highly tuned to run on Ultrabooks. “Although Acer has recently reduced its Ultrabook shipment target, Intel continues to aggressively push Ultrabooks and is aiming to have the devices priced at $699 in the second half of the year,” the report noted. “However, if Intel is unable to bring down ASPs [average selling prices] to its goal, the price gap between Ultrabooks and the $799 MacBook Air may further postpone the time Ultrabooks become standardized,” the sources explained.
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