Credit Card Processing with a Payment Gateway

admin    Technology     Card, Credit, gateway, Payment, Processing

Credit Card Processing with a Payment Gateway

A payment gateway facilitates the transfer of information between a payment portal (such as a website, mobile phone or IVR service) and the Front End Processor or acquiring bank. When a customer orders a product from a payment gateway-enabled merchant, the payment gateway performs a variety of tasks to process the transaction:

* A customer places order on website by pressing the ‘Submit Order’ or equivalent button, or perhaps enters their card details using an automatic phone answering service.
* If the order is via a website, the customer’s web browser encrypts the information to be sent between the browser and the merchant’s webserver. This is done via SSL (Secure Socket Layer) encryption.
* The merchant then forwards the transaction details to their payment gateway. This is another SSL encrypted connection to the payment server hosted by the payment gateway.
* The payment gateway forwards the transaction information to the payment processor used by the merchant’s acquiring bank.

* The payment processor forwards the transaction information to the card association (i.e., Visa/MasterCard)
* If an American Express or Discover Card was used, then the processor acts as the issuing bank and directly provides a response of approved or declined to the payment gateway.
* Otherwise, the card association routes the transaction to the correct card issuing bank.
* The credit card issuing bank receives the authorization request and sends a response back to the processor (via the same process as the request for authorization) with a response code. In addition to determining the fate of the payment, (i.e. approved or declined) the response code is used to define the reason why the transaction failed (such as insufficient funds, or bank link not available)
* The processor forwards the response to the payment gateway.
* The payment gateway receives the response, and forwards it on to the website (or whatever interface was used to process the payment) where it is interpreted as a relevant response then relayed back to the cardholder and the merchant.
* The entire process typically takes 2-3 seconds

* The merchant submits all their approved authorizations, in a “batch”, to their acquiring bank for settlement.
* The acquiring bank deposits the total of the approved funds in to the merchant’s nominated account. This could be an account with the acquiring bank if the merchant does their banking with the same bank, or an account with another bank.
* The entire process from authorization to settlement to funding typically takes 3 days.

Many payment gateways also provide tools to automatically screen orders for fraud and calculate tax in real time prior to the authorization request being sent to the processor. Tools to detect fraud include geolocation, velocity pattern analysis, delivery address verification, computer finger printing technology, identity morphing detection, and basic AVS checks.

Related Gateway Articles

The Benefits of a Card Payment Gateway

admin    Technology     Benefits, Card, gateway, Payment

The Benefits of a Card Payment Gateway

A card payment gateway is an online payment solution. Card payment gateways are a way to process transactions online which involve credit and debits cards. Card payment gateways are an essential tool in the electronic transactional process between customers, business and the banking institutions.

So a card payment gatewayacts as portal for the money to be transferred through when an online sale occurs using a credit or debit card. A card payment gateway is the equivalent of a physical point of sale terminal you find in most retail shops. So in essence a Card Payment Gateway provides website owners with the ability to collect and process credit and debit card payments over the Internet. So without a card payment gateway a website is not able to take any payments of goods and/or services which are purchased online.

 The main benefits of a card payment gateway are:

 Security compliant

Card payment gateways insure that you are safe to handle online transactions. The Payment Card Industry Data Security Standard (PCI DSS) is a global standard covering the way in which card holder data should be handled. If a website is taking online payments then they need to be compliant with these PCI DSS security standards.

Card payment gateways protect both credit card and debit details by encrypting sensitive information, ensuring the information is passed securely between the customer and the merchant and also between merchant and the payment processor. Using a payment gateway means you don’t need to worry about meeting these compliance requirements as the card gateway provider will handle these security aspects for you.

Multi payment service provider support

Most card payment gateways will allow your website the ability to support multiple payment service provider (PSPs) and merchant accounts within a single implementation. This then allows the use of different PSPs for different commercial entities using the card payment gateway.

Instant payment

Using a payment gateway means Payments can be authorised in real-time guaranteeing the availability of funds. Funds are then automatically transferred to your account within 3 working days.

Easy integration

Most card payment gateways can be easy integrated into any website design meaning your website can become an eCommerce website with minimum effort and changes to your website.

Reduced Overheads

Card payment gateways save card processing time and free up resources to help improve your customer services. It means that fewer transactions need to be handled manually, or indeed require any manual intervention, hence freeing resources. Card payment gateways can also be expanded to use a recurring payments solution.

Convenience

 By being able to take payments online means that you are able to take payments 24/7, 365 days a year from anywhere on the globe with any device with web access. By being able to process all sorts of credit and debit cards with a card payment gateway, you are increasing your customer base.

So if you are seriously thinking about turning your website into an eCommerce site or you want to build a website that can take online transaction then make sure you integrate a card payment gateway into your website.

There are many card payment gateway providers out there all offering different additional features. The best step is to research fully into this area and choose the best card payment gateway that best suits your website and industry.

Review of Asus Radeon HD 5850 1GB GDDR5 Graphics Card

admin    Technology     5850, Asus, Card, GDDR5, Graphics, Radeon, Review

Review of Asus Radeon HD 5850 1GB GDDR5 Graphics Card

INTRODUCTION
As usual when a new generation of graphics cards are is released, the first cards out on the market are the high end cards. In this case the HD 5870 and HD 5850. Later these have been followed by the 5770 and 5750 and we will soon see some lower end versions coming out too.

The release of the HD 5800 series brought a couple of new technology innovations with it. The “ATI Eyefinity” is a technology which enables one single card to support up to 6 monitors. “ATI Stream” enables GPU accelerated calculations, OpenCL gives us parallel GPU-CPU processing. However, the most important update is the support for DirectX 11 which in itself incorporates full support of Windows 7. This time around, Microsoft promises that the update of the DirectX API means a direct increase of the ratio between the graphical quality and the use of system resources.

AMD says their new GPU can achieve 2.7 TFLOPS, which really doesn’t say much about what the GPU performs like in real world (gaming) situations, but it does tell us that it is truly a very powerful data processor. The manufacturing technology is now down to 40nm, which should mean less power consumption and heat development.
Talking about the power consumption, AMD now promises that the max consumption will not exceed 190W in full load and in idle mode the card will not surpass 27W. If this is correct it would be a big improvement compared to their previous generation of cards.

ASUS EAH5850 SPECIFICATIONS
OK, enough rambling about all the new technologies and promises of the new AMD series, here are the hard facts of the Asus HD 5850 card:

ASUS EAH5850 (Radeon HD 5850)
GPU Radeon HD 5850
Manufacturing technology 40nm
Stream processors 1440
Texture units 72
ROPs 32
GPU speed 725MHz
Memory 1GB GDDR5
Memory speed 1000MHz (4Gbps)
Bus 256bits
Memory bandwidth 128GB/s
Cooling system Reference, double slot
Video exits D-Sub (adapter included)
2 DVI-I
HDMI
DisplayPort
Compatible with HDCP Yes
Compatibility with CrossFireX Yes
External power 2 x 6 pin PCIe
Maximum consumption 170W
Supported technologies DirectX 11, DirectX 10.1, Shader Model 4.1, UVD 2, ATI Stream, ATI PowerPlay, ATI Eyefinity, ASUS Splendid, ASUS Gamer OSD, ASUS Smart Doctor, Voltage Tweak

Asus hasn’t added any physical alternations on this card; it is basically Asus’ version of the generic AMD 5850. However Asus has a series of software tools which help us overclockers to reach the maximum potential of this card; the “Gamer OSD” and “Smart Doctor”. This last application will be most useful since it allows us to play with the voltage of the core.

ASUS EAH5850, FIRST IMPRESSIONS
The card comes in a nice looking card board box with loads of aggressive printing on it. As is customary with graphics cards, ASUS pushes a lot on the overclocking tools. Also, the bundle (EAH5850/2DIS/1GD5) includes the game DIRT 2. When I opened the box, I almost got a little Apple feeling for a moment when I saw the black cover with the Asus logo in gold. Underneath the cover I found two boxes. The bigger box contained the graphics card itself, enfolded by a standard anti static plastic bag and protected by a white foam plastic material. The other box contained the accessories.

Except for the DIRT 2 game (digital download, no DVD), I wasn’t overly impressed by the accessories; CDs with drivers and applications; a printed manual; a power adapter (2 molex to 1 x 6 pin PCIe), a DVI-VGA adapter and a CrossFireX bridge.

ASUS EAH5850 IN DETAIL
My first impression was that it really looks powerful with its red and black finish. The card faithfully follows the AMD reference card in all aspects. This is a big card, the length is 240 mm and it takes up two slots. The fan is a 70mm and I hope it will not bee too noisy, but looking at the rather small air exhaust in the back of card, I don’t feel overly positive.

The front of the card holds two 6 pin PCIe connectors which would theoretically provide 150W to the card. Although I wanted to take the cooler off and have a closer look at the PCB I decided to let go of that intention since I would have to loosen a multitude of screws and it was impossible to remove only the housing without also clearing the cooler itself, which felt a little too risky. A great thing about <a rel=”nofollow” onclick=”javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);” href=”http://www.pcdriverhelper.com”>
AMDs new cards</a> is their connectivity. They include two DVI-I, a HDMI and a DisplayPort. With the ATI Eyefinity technology, it is possible to use 3 monitors simultaneously with this card, not bad.

MY TEST SYSTEM
OK, so here comes the list of the hardware components I used for this test:

Test equipment
Processor AMD Phenom II x2 550@3.9GHz
Cooler Zalman CNPS9900A LED
Motherboard ASUS Crosshair III Formulates
Graphics card ASUS EAH5850
Sound card Integrated
Memory Kingston HyperX DDR3 1333 2×2GB (7-7-7-21)
Hard disk Samsung SP2504C (SATA II, 7200rmp, 8MB)
Power supply Zalman ZM660-XT
Box Cooler Master 690 cm PURE

Operating system and software
Operating system Windows 7 64bits
System drivers BIOS 0805
Catalyst 9.10
DirectX August 2009
Benchmarks 3D Mark 06
3D Mark Vantage
Furmark 1.7
Unigine Heaven Benchmark
Games The Last Remnant
Tom Clancy´s Hawx
Street Fighter IV
They reside Evil V
Weak May Cry 4
Stalker Clear Sky
WEAPON 2
Officers’ Club of Revolutionary Armed Forces Cry 2
Crysis Warhead
Other software CPU-Z 1.52
GPU-Z 0.4.5
OCCT 3.1

And here’s the screenshots of my configuration:
The main changes in my test setup are that I have included the benchmark software “Unigine Heaven” and removed Lightsmark 2008. The main reason for this is that it enables me to compare the difference in performance between DirectX 10 and DirectX 11.

BENCHMARKING RESULTS
I will not compare these results to the result I have received in previous graphics cards reviews since my test system has been updated. I was very interested in what the performance comparison between DirectX 10 and DirectX 11 would produce. As you can see from the graphs above the results were opposite of what I had expected, the performance was actually lower with DirectX 11 than with DirectX 10.

GAMING TESTS I
It is interesting to note that the performance remains high even when adding filters. This is something that AMD has corrected from their previous series which really suffered when filters were added. Otherwise, same here; the performance is very good but I will not make any direct comparisons to previous reviews.

GAMING TESTS II
The second batch of games includes more demanding games as usual. This test clearly shows that the EAH5850 has a lot of power under the hood and it was only in two games where the FPS rate didn’t hold steady above 30 FPS with the highest possible settings.

OVERCLOCKING, REFRIGERATION AND CONSUMPTION
On the packaging, Asus emphasized the “Voltage Tweaking” which is done with the Asus Smart Doctor software which also lets us modify the frequencies of both the core and memories.
It’s a dream to work with Asus’ tool for overclocking the card and it is impressive just how far this card can be clocked.
The cooling system of the card is very effective. The fan is noisy at full power but mostly it didn’t bother me too much.
I measured the total power consumption of my system in idle mode and in full load, here are the results:
Clearly the difference is enormous and it should be since AMD’s PowerPlay technology has drastically diminished the power consumption in 2D.

OVERCLOCKING RESULTS
OK, so here are the results from the overclocking tests:
The increase in the 3D Mark Vantage was truly impressive and this is also confirmed by the increase of 6 FPS in Far Cry 2 and the increase is there with filters enabled as well.

CONCLUSIONS
I must first praise AMD for the work they have done with this card. It is both energy efficient and a high performer, very impressive. Asus has taken AMDs reference design and added a lot of value to it with their smart technologies and software tools. The main advantage with this Asus card is of course its overclocking abilities which are nothing short of fantastic. ASUS EAH5850 is already on sale at a price that oscillates between the 0 and 0, which is very competitive given its performance, overclocking abilities and the fact that it includes DIRT 2.

Green Card By Marriage Interview

admin    Twitter Marketing     Card, Green, Interview, Marriage

Green Card By Marriage Interview
This ebook chronicles the authors journey through the green card process. It provides information from A to Z. There is no other book on the market that provides all the information in one place.
Green Card By Marriage Interview

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Pay off credit card

admin    Web Marketing     Card, Credit

Pay off credit card

 Deal hide Your Creditors Calmly

Dealing veil your credit card debts can kindle you over.Visit Here http://gov-debt-grantbenefit.blogspot.com

 true authority just ruin your personal life, your family, again your standing drag the community. Dealing with debt can be exorbitantly stressful. But dealing with the creditors is another.You may be too far on the road of financial problems at last you obligatoriness halcyon deal your creditors with the same acts of grace and professionalism. The callers from the credit distinguish companies or the collecting agencies may be rude or threatening, your way of correspondence to your creditors must always remain calm and good. Be brief again factual with your talk with them and always remain direct to the point.

Always have the impression of efficiency and trustworthiness. It requirement appear to them that you are positively original and existent buckle down shelter your situation.The person grease the opposite pursuit you are dealing with is merely doing his or her job. The correspondence, which is done on behalf of the executive which is the creditor, committal be always be business-oriented and tactful, especially from your pattern as the debtor. Always bear in mind that this is not personal so you must not let present become so.

As you would respond exceptional to a calm personnel from any company of lot product, this individual you are dealing tuck away will respond better to a man who appears to typify calm too. Act and speak believable and you consign be believed to.Appearing believable and harmonious onus act for hard especially if you know that you owe more than you can afford. Actually, your credit history is less important to the friend dealing keep from your invoice considering than your attitude at the moment of the call.

That cannot mean implied that what you have done in the past has no notability. However, acknowledging your current problems and trying your best to do your part can dramatically improve your correlation and situation with your creditors.

Reacting with indignation or aggressiveness when you fail to keep your promises will only make your problems worse. perform prepared and speak with confidence. opinion equates to responsibility. And make good of all those promises again this burden epitomize your first step in bit things out supremacy your favor.Visit Here http://gov-debt-grantbenefit.blogspot.com

iPhone Unlock Card improved and upgraded

admin    8615     Card, Improved, iPhone, Unlock, Upgraded

iPhone Unlock Card improved and upgraded

The iPhone is a multimedia smart phone with an internet connection. It has multi touch-screen and a virtual keyboard. It serves as an internet client, camera phone and a portable media-player. It includes messaging, Wi-Fi connectivity, web browsing, etc. March 2009: iphoneunlockcard sells the NEW improved and upgraded version of the iPhone Unlock Card. The iPhone Unlock Card 3G 2.2 & 2.2.1 from our site. It is the easiest and most reliable unlock card available today, just Plug & Play. Your iPhone 3G is unlocked immediately. This card is developed exclusively for the iPhone 3G 2.2 & 2.2.1, with the most recent Baseband. There is no risk of damaging the phone or voiding it. This next generation unlock card has already sold thousands and thousands of cards worldwide. Your location and phone type does not matter with this card unlock system. Any phone in any country can be unlocked within minutes. Our solution is the most secure option available for your iPhone as there is no need to share your IMEI with any third party or to install software on your phone, which could permanently damage your iPhone.

KEY FEATURES
Developped for the iPhone 3G 2.2 & 2.2.1
Baseband 02.28.00 / baseband 2.30.03
Unlock within Minutes
Plug & Play: Instant Unlock Solution
Any Sim Card Worldwide
Unlock any Network
No need to cut your Sim Card
Without Loosing Warranty
Free Worldwide Delivery
100% Guarantee

Big improvements if you want iPhone freedom!
These iPhone Unlock Cards are for sale at our site.
With a 100% guarantee, free worldwide delivery and Paypal verified.

Technical improvements (March 2009):
1. For iPhone 3G running firmware 2.2 / 2.2.1 (baseband 02.28.00 / 02.30.03), signals are automatically regained if dropped.?2. For baseband 02.30.03, the sim unlock card will reboot 3 times after being inserted, during which, the iPhone 3G will display “No SIM” and “No Service” messages, Don’t take out the Unlock Card and Sim Card, wait till it has stablized, then it will work normally. 3. EDGE is now well supported, there will be little, if not no, signal drops at all. And even if they are dropped, they will be automatically regained.

New upgraded version 3/2009
iPhone 3G 2.2 & 2.2.1
Baseband 02.28.00 / 02.30.03
Stable signal
EDGE / GPRS / 3G
Works on airplane mode
STK menu
Phonebook inserting
Automatically regain signal

Engineering
This proven Unlock Card is engineered in Europe where it meets the highest quality standards. The QC Team tests each card. Each card comes with a 100% satisfaction guarantee. Thousands of cards have already been sold to satisfied customers for many generations of cell phones and iPhones. We are constantly making improvements to our product to keep up with the technology of the times. Therefore, you can rest assured that you will receive the most up to date system available on today’s market.
How does it work
The unlock card is only 0.1mm thick and can be put in you phone without cutting the original sim card. The card is based on a 0.10 mm thick FPC with gold Immersion. A RISC Micro Controller can handle all voltages and speeds required in this environment. FPC, components and solder tin used are ROHS compliant. You may use the card to unlock any phone throughout the world. One of the great advantages to using the card that we supply is that if you remove the card your phone is easily brought back to its original condition. No one will be able to detect that the card was ever in place so you will not void your phones warranty. This is a long lasting and durable solution to taking control of your phones services yourself.
Other solutions
There are many unlocking service available in today’s market, however you must do your research and you will find that there are many customer complaints with most of these other systems. Many people complain about difficult unlocking procedures, badly documented and out of date software. With the Next Gen Unlocking Card, you do not have to deal with those issues this is a hardware solution and bypasses those problems. With the ease of Plug & Play and you will be able to feel secure with the knowledge that it comes with a 100% satisfaction guarantee.

Delivery
iPhoneunlockcard offers FREE worldwide delivery. The package is sealed and the card is secured in a plastic box for added safety.

Company profile
iphoneunlockcard is certified dealer of the new iPhone Unlock Card for the iPhone 3G 2.2 & 2.2.1 and the Universal Unlock Card for the older iPhones and almost every cell phone on the market. Website: www.iphoneunlockcard.com

Android Credit Card Processing

admin    8615     Android, Card, Credit, Processing

Android Credit Card Processing

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The process of globalization is the profound economic change of the current era. In this fast growing world the technology has surpassed up to such level that one can process large transactions of businesses by a small device like mobile. Recognizing the need of new trends in businesses , Services like “Android Credit Card Processing” are developed.

This application is developed in order to provide fast, convenient service to clients and the app focuses on necessary needs of a growing business community. As always, everyone looks for a resource that will provide secure, affordable mobile payments options taking care of customer’s requirement and providing the high quality support to them.

Android Credit Card Processing

The Android Credit Card processing is an optimized solution for businesses that require to a have there transactions completed in real time. Using your Android phone, you can easily and reliably accept credit cards anywhere and anytime along with instant card approval. Other than Android no equipment is required. Few simple steps to follow and you are done with your credit card processing. Just connect to the internet through your android phone and connect to the card payment gateway. Enter the transaction information, and the blow is done for you, online. You will get card approval in moments, and can even email customized receipts directly to your customer

One will opt an app that ensures the security, that will not store personal data on your Android phone while accomplishing business. It supports AVS and CVV2 security and fraud detection features so that client’s information is safe throughout the process hence no possibility of losing any personal information in case of stolen or lost phone. Also have encrypted and secure SSL Connection assuring Data Security.

With your credit card processing app you can have the convenience of accepting all major credit cards on your Android phone. This kind of service should deliver better support , scalable , affordable and secure mobile applications with flexible solutions.

Los Angeles Social Media Marketing Report Card For Corporate

admin    Social Media Marketing     Angeles, Card, Corporate, marketing, Media, Report, Social

Los Angeles Social Media Marketing Report Card For Corporate

I recently found a survey that determined most businesses are still only experimenting with social media marketing. That’s why it seems worth paying attention to how some big and successful brands use it in their own strategies.

It would appear that about two-thirds of companies who took this survey said the amount of money they spent on social media has increased since last year; 30 percent said it has stayed the same, while 81 percent of these companies expect their budgets to increase in the near future.

Social media marketing among businesses – both large and small – has grown over the past two years, no doubt, however the survey reveals that most businesses are largely still in the experimental stages when it comes to their social media marketing strategies. The statistics reveal businesses are starting to get to the place where they view social media as crucial, however. About 90 percent of those surveyed said they expect social media to take up more time in-house over the next year or two.

What is social media marketing? It includes all the online technologies and practices that people use to share ideas, opinions insights, experiences and perspectives with other people online. Social media marketing technology includes a many online communications hubs driven by users: Internet message boards, blogs, podcasts, wikis, and videos. There’s also vlogs, wall-postings, picture- and music-sharing sites — all online social networks including Twitter and Facebook, for communities of people sharing interests, from pets to puberty.

It was the year 2007 when social networks started to gain popularity. Today social media memberships are in the multi-millions and social media is still growing exponentially. Facebook was at more than 300 million users

Another recent report states that 85 percent of companies surveyed use Facebook as part of their marketing strategy. There are also social networking and video sharing places like You Tube and Google video, virtual reality sites such as Second Life, Last.fm and iTunes are great for personal music, Flickr to help you share your photos and micro blogs like Pownce or Twitter.

Social media is all about being social so new media marketers must have a social media strategy for each and every client, with specific tactics for getting involved and having two way conversations with their customers online. And social media also affords the opportunity to create pages that provide links back to your website, for inbound traffic and links that enhance search engine optimization (SEO). When you write unique content and then embed with your key words the search engines can track it, rank your website and then when people search online, they will have a better chance of finding your content.

A page website must rank well in the search engines to help people to find your company via specific key words and phrases, and your company will be listed on the first pages of Google. Hopefully above the fold.

Building traffic on the social media sites to attract attention to your company is also a good social media marketing tactic. Article publishing, electronic press releases, blogs, directories, text linking – these, in particular, are all social media tactics.

Writing unique content and then embedding it with your key words helps the search engines track it, to rank your website and then when people search online, they will have a better chance of finding your content.

(Source: E-Consultancy and the Online Marketing Summit, and Nielsen),

Barton Cotton turns over holiday card buyers to Rickard

admin    Web Marketing     Barton, Buyers, Card, Cotton, Holiday, Over, Rickard, turns

Barton Cotton awarded its Holiday Card Center Buyers list to Rickard List Marketing on April 21. The file is new to the market.

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Hallmark launches Intelligent Barcode card line with Postal Service

admin    Web Marketing     Barcode, Card, Hallmark, Intelligent, Launches, Line, Postal, service

Hallmark has launched the Postage Paid Greetings card line with the US Postal Service. The company announced the product at the National Postal Forum conference on April 12, during the general session.

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