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Virtual Terminals  Are you a high risk business in the United States? We have clients in gaming, adult and pharmacy worldwide. Apply now.
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By Robert Richardson, on May 18th, 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.
By Robert Richardson, on May 17th, 2012
 NEW YORK, NY - APRIL 10: A pedestrian walks by a Best Buy store on April 10, 2012 in New York City. Best Buy CEO Brian Dunn unexpectedly resigned today just weeks after announcing a strategy to turnaround the struggling electronics retailer. (Image credit: Getty Images via @daylife) America’s biggest consumer electronics retailer Best Buy said Monday its founder Richard Schulze is stepping down as chairman after an investigation found that he knew that the CEO was having a relationship with a female employee and failed to alert the audit committee.
The company also said that despite the fact that its audit committee found that then-CEO Brian Dunn violated company policy by having a ‘close personal relationship’ with a female employee, he gets a severance package worth about $6.6 million.
Best Buy hired an outside law firm in March to investigate Dunn, who resigned in April. The committee found that Dunn’s relationship with a female employee that showed poor judgment. But they found he did not misuse company resources or company aircraft related to the relationship.
Still, the inquiry showed that Schulze, who has been with the company since its inception in 1966, acted inappropriately when he found out about the relationship. He is resigning and will be replaced by Hatim Tyabji, chairman of its audit committee.
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.
By Robert Richardson, on May 15th, 2012
Facebook co-founder Eduardo Saverin has renounced his U.S. citizenship ahead of the company’s IPO, Bloomberg reported — a move likely calculated to help him dodge capital-gains taxes.
Saverin, one of a handful of people who helped Mark Zuckerberg start Facebook at Harvard in 2004, hasn’t been active at the company for many years. He still holds an estimated four percent of Facebook, however, a stake worth as much as $3.8 billion, Bloomberg calculated.
“Eduardo recently found it more practical to become a resident of Singapore, since he plans to live there for an indefinite period of time,” Saverin spokesman Tom Goodman told Bloomberg by email.
No kidding. Renouncing his U.S. citizenship could shield Saverin from much, though not all, of his U.S. tax liability related to his Facebook holdings. Singapore doesn’t have a capital gains tax, although it does tax income earned in the city-state as well as some foreign-source income.
According to Reuven Avi-Yonah, head of the international tax program at the University of Michigan, Americans who give up their citizenship still owe a sort of exit tax on the capital gains from their stock portfolios, whether they’ve sold shares or not. But estimating the value of shares in a private company such as Facebook is, shall we say, an exercise with lots of room for interpretation.
By Robert Richardson, on May 14th, 2012
Federal Communications Chairman Julius Genachowski, afterputting up his dukes with CTIA President Steve Largent at the CTIA Wireless 2012 show in New Orleans May 8, embraced a different opportunity to detail all that the FCC has accomplished of late and what it has planned. On May 9, he presented the FCC’s 2013 budget to the U.S. Senate Committee on Appropriations’ Subcommittee on Financial Services and General Government.
Basically adjusting the 2012 budget for inflation, Genachowski asked for a 2 percent increase to $346,782,000.
But first, he ran through some facts and figures, nearly all of them related to the 2009 National Broadband Plan, the nation’s need for more spectrum or both.
In February, Congress approved legislation allowing the FCC to conduct “incentive auctions” to sell underutilized spectrum to meet the nation’s growing mobile broadband needs. Genachowski called these an opportunity to “unleash vitally needed spectrum” as well as one to raise billions of dollars for deficit reduction. Over the last two decades, spectrum auctions, he said, have raised more than $50 billion for the Treasury—though economists regard the value created by the auctions as being closer to $500 billion.
“Incentive auctions are unprecedented,” Genachowski continued. “The U.S. will be the first country in the world to conduct them. It will be a complex task affecting major parts of our economy and involving many challenging questions of economics and engineering.”
The need for spectrum was behind AT&T’s controversial, and ultimately unsuccessful, bid last year to acquire T-Mobile. More recently, it’s the motivator behind Verizon Wireless’ also controversial partnership with SpectrumCo, a joint venture between several major cable companies. During a Senate Subcommittee inquiry into the Verizon deal, Joel Kelsey, a policy adviser with the pro-consumer group the Free Press, testified that the “trend toward a duopoly in the wireless market would be exacerbated by putting close to a third of the nation’s broadband spectrum, measured by value, into the hands of Verizon.”
By Robert Richardson, on May 13th, 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.
By Robert Richardson, on May 12th, 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.
By Robert Richardson, on May 11th, 2012
Process your customer’s checks on a virtual terminal right over the internet.
Works just like credit card processing. We deal with following business and others too worldwide.
ADULT, GAMING, PHARMACY, TRAVEL SERVICES, MULTI-CURRENCIES, HIGH AVERAGE TICKETS, CREDIT/DEBT COLLECTIONS, POOR CREDIT, ELECTRONICS, MAIL ORDER, TELEPHONE ORDER, HIGH RISK, HIGH VOLUME, TIMESHARES, REAL ESTATE, HERBAL SUPPLEMENTS, FINANCIAL CONSULTING, TELEMARKETING, DATING WEBSITES, EBOOK DOWNLOADS, SOFTWARE DOWNLOADS, SEO SERVICES, EVENT TICKETS, PREPAID DEBIT CARDS, CALLING CARDS, VOIP SERVICES, TELECOMMUNICATIONS, MLM MARKETING, DIRECT SELLING, BUSINESS OPPORTUNITIES, FFL DEALERS, ANNUAL CONTRACTS, MAGAZINE SALES, VACATION RENTALS, GENERIC DRUGS.
eComTechnology credit card processing solutions.
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For more info apply at eComTechnology or email robert@ecomtechnology.com
By Robert Richardson, on May 10th, 2012
 C-3PO vs. Data (137/365) (Photo credit: JD Hancock) Not a fan of Big Government? Well this will shock you: Government agencies will add a petabyte—that’s equal to one quadrillion bytes, or 1,024 terabytes —over the next two years, according to a MeriTalk survey of 151 Federal government CIOs and IT managers. To put that in perspective, one petabyte of data is equal to 20 million four-drawer filing cabinets filled with text. Meanwhile, government agencies are struggling to reap the benefits of Big Data as information piles up, lacking the data storage and access, computational power, and personnel, the survey indicated.
The report, titled “The Big Data Gap,” found that as agencies look to leverage big data, the technology and applications needed to successfully leverage big data are still emerging. Sixty percent of civilian agencies and 42 percent of Department of Defense/intelligence agencies say they are just now learning about big data and how it can work for their agency. Federal IT professionals say improving overall agency efficiency is the top advantage of big data (59 percent) followed by improving speed and accuracy of decisions (51 percent) and the ability to forecast (30 percent).
Whether it is an opportunity or a challenge, data continues to grow: 87 percent of IT professionals say their stored data has grown in the last two years, and 96 percent expect their data to grow in the next two years (by an average of 64 percent). Agencies reported, on average, it would take them at least 3 years to take full advantage of big data. In fact, agencies are doing very little with their data, according to survey results. Only 40 percent of those surveyed said they are making strategic decisions with the data, and just 28 percent collaborate with other agencies to analyze shared data.
 Here is a sound…(robklopp.wordpress.com)
By Robert Richardson, on May 9th, 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.
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credit card processing  Are you a high risk business in the United States, Europe or Asia? We have clients in gaming, adult and pharmacy worldwide. Apply now.
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Skype:robert.richardson51 Alternative Payment Solutions  For Startups and established merchants that would like to increase sales. |
