Category Archives: News Update

Verified by Visa Program” and MC Secure Code Verification

Basically the shopping cart provider has to certify with the front end processor (like Vital/FDR) to run this program and pass all required data. Once certified, they add the links and extra fields on their check out page and IF the cardholder wants to use it, they can then use the program. It only protects against some of the chargebacks and only for certain dollar amounts. The rules on this changes all the time. It basically checks for fraud like the AVS/CVV2 but since the cardholder has to register, it reduces fraud on these sales but only on these sales. It does not protect for other chargebacks like: merchandise not received, not as described, duplicate processing, credit not processed, etc. This is only for Visa cards as well.

Overall I do not recommend it but we do have some merchants that do use it. Unscrupulous salespeople think it’s a good sales tool until they get a chargeback and then they look bad. Most reps don’t care after they sign up and get their start up fee so they don’t care if the program doesn’t work well.

Having worked with this program since it first started in 2001 I believe, I have not seen much of a benefit. When we do get chargebacks, usually Visa comes back with some excuse as to why the merchant is still liable, example…they were a stolen identity, they showed up on a fraud list, etc.

Thank you,
Cindy Joyce
CB/Training Sen. Manager

P.S Not sure what reps will try and sell this to you for but my cost if I were to sell it to you (I don’t recommend it) is $50 setup, $10.00 monthly and $0.07 per transaction.

2009 NATB/World Ticket Conference/$200.00 Visa Gift Card Raffle/Verified by Visa

Hi,

The NATB http://natb.org/ annual meeting and trade show is coming up July 16th -18th at the Wynn Hotel in Vegas. http://www.worldticketconference.com/

I will be at the show with my partner Bob Dahlem. We are in booth #209 in the middle aisle. A floor plan is attached to this email. We will be raffling off a $200.00 Visa Gift Card so make sure you enter.

When choosing a credit card processor booth to visit at the show please keep in mind the following
-we’re not “posers” we have been servicing the ticketbroker industry and NATB members for over 7 years
-Matrix has been the credit card processor of choice for Ticketbrokers since 2002
-we have far more ticketbroker clients than any other processor in the industry
-see why over 200 ticketbrokers can’t be wrong
-get the real truth about the “Verified by Visa” program. While available through us we don’t recommend it as it costs you extra money and only gives protection against non cvv & avs matches which you can do for free. If someone tells you otherwise run for the door. Real protection against chargebacks is with our aggressive proactive chargeback prevention techniques and aggressive chargeback defense.

If you’re attending please give me a call before the show at my office (below) or if you call while we’re in Vegas my cell is 847-772-9437. I’d love to buy you a meal or go for beverages in appreciation for your business and to get to know you better. At the very least stop by and say hello. And bring your friends!

Bill


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
http://paymentconsulting.net/adv_funding.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

These days we are facing an economic crisis and need to prepare ourselves more effectively for the recovery – to discover opportunities, identify potential partners looking for opportunities, looking for a reason to hope. Now it’s a good idea to ask: how could my product/service provide opportunities in today’s economic climate?


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
http://paymentconsulting.net/adv_funding.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

These days we are facing an economic crisis and need to prepare ourselves more effectively for the recovery – to discover opportunities, identify potential partners looking for opportunities, looking for a reason to hope. Now it’s a good idea to ask: how could my product/service provide opportunities in today’s economic climate?

Finally a chance for merchants to have a voice regarding PCI regulations!

Hi,

I thought this was an interesting site that could give all of my clients to speak their peace regarding PCI compliance regulations.

Merchants Struggle to Comply With PCI Security

Seven merchant organizations have gotten together and issued a proposal to the PCI Security Standards Council that would both increase security and reduce some of the stress on merchants that are trying to comply with the standards.

The Council is listening. Bob Russu, General Manager of the PCI Security Standards Council is actively soliciting input from merchants before the next revision of the standard that is due in September of next year.

The timeline for the update and feedback phases can be found here. Merchant911 urges all merchants, on-line or not, to contact the PCI Council with suggestions and concerns. Now is the chance to be heard! Full contact information can be found on their website.

Reference:

Merchants Struggle to Comply With PCI Security In Economy – Network World


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
http://paymentconsulting.net/adv_funding.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

These days we are facing an economic crisis and need to prepare ourselves more effectively for the recovery – to discover opportunities, identify potential partners looking for opportunities, looking for a reason to hope. Now it’s a good idea to ask: how could my product/service provide opportunities in today’s economic climate?

Motivation

I read this over the weekend and thought it was pretty inspiring.

“”I will NOT be outworked. Period… You might have more talent than me, you might be smarter than me, you might be better looking than me, you might be all of those things. You may have it over me in nine categories. But if we get on the treadmill together, there’s two things: Either you’re getting off first, or I’m gonna die. It’s really that simple.”

Deaf Ministry/ service, lunch, fellowship, Bible study

Hi,

This invitation info (attached) is for anyone you may know in the Chicago area that is looking for a church that has specially trained staff members & events for the deaf. Please invite them as my guest. Services start on Sunday March 1st at 11:00AM and also include a complimentary lunch. They will be run every week thereafter.

Thank You so much,


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
http://paymentconsulting.net/adv_funding.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

These days we are facing an economic crisis and need to prepare ourselves more effectively for the recovery – to discover opportunities, identify potential partners looking for opportunities, looking for a reason to hope. Now it’s a good idea to ask: how could my product/service provide opportunities in today’s economic climate?
2 attachments — Download all attachments View all images
Deaf Ministry card2.jpg
36K View Download
Deaf Ministry card.jpg
39K

great article on web design

Hi,

I think this is a great article on web design. I am a true believer in “web design 101” In other word keep the site simple so your visitors can find what they want quickly, spend their money and be gone. If you want to show the world how clever you are give your visitors the option to click to see your flashes, videos, etc. If you don’t and they have to suffer through things when they are in a hurry they will leave but without buying!

My 2 cents.

Bill

To Print: Click here or Select File/ Print from your Browser Menu.

Article printed from SiteProNews: http://www.sitepronews.com
HTML version available at: http://www.sitepronews.com/archives.html

7 Basics of Good Web Design
By George Peirson (c) 2009

Whether you are just starting a web design project, looking at
revamping an existing site, or just wanting to double check the

usability of your current web site you should consider these 7
Basics of Good Web Design.

These basics are aimed at new visitors/customers; your repeat
customers will be judging your web site on different values.

Just like wearing the appropriate clothes for a job interview,
these basics will help you pick out the “look” of your web site
so that you make a good first impression.

1. Fast Loading Web Site � Any way you look at it, a fast

loading page should be your number 1 concern. The web is all
about speed, fast searches, fast purchases, fast information.
You can’t have any of that with a slow loading page. Ask
yourself this question – have you ever been on Google doing a

search for something important and a link you clicked on didn’t
open up immediately? What did you do? Patiently wait for the
page to open or move onto the next link on the list? My favorite
sites open almost immediately.

So, a few suggestions: Make sure that your images are properly
optimized. Don’t use very many large images, save those for a
different page. Keep any auto-running multimedia to a minimum,
offer links to run media instead. Check your code for anything

else that could affect your page loading times. Since text loads
almost instantly go ahead and use all the text you want, just
keep everything else under control.

2. No Meaningless Splash Page � Do you appreciate a fancy

animation page that doesn’t tell you anything and you have to
wait for before the web site will open? Neither do I. The last
thing I want once I find an interesting site is to wait through
some animation before getting to the first page. This doesn’t

mean that I don’t want multimedia on a site, I do. I just don’t
want an animation before the first page that forces me to wait
for it to finish before getting onto the site. It’s like having
to wait for a salesperson to finish their memorized speech

before you can ask them a question. No thanks! I like animation,
just in the right place and at the right time. Plus, if I am a
returning customer, I will have already seen that animation and
don’t need to see it again.

My recommendation is to use a smaller animation contained in
your main landing page which also includes your main message and
links to the rest of your site. It will make for a faster
loading page (smaller file) and your visitors can go ahead with

accessing your site without having to wait for the animation to
finish.

One final note, never, ever put your logo as the only content
on your landing page with a link that says “Enter Site”. This

just screams Unprofessional and will drive away potential
visitors in droves. The last thing I want to do is to click on
another link just to get into the site. This is a total waste of
my time. I usually will skip a site if I see this.

3. No Annoying Web Gimmicks � Now that you have your visitor on
your site quickly the one thing you don’t want to do is to drive
them away just as quickly. So, don’t put anything annoying on
that first page. No loud background music that makes them

quickly hit the volume control or the back button on their
browser. No flashing animations while they are trying to read
your content. No popup, flyout, expanding ads that cover your
home page. Basically, leave the gimmicks alone until you are sure

that your visitor will stay on your site. Most casual visitors
will leave your site in just a few seconds, no sense on driving
them away more quickly.

Multimedia is great on a web site, just don’t bombard your

visitor with it first thing. If you want audio, then put in a
nice picture with a link, like a picture of yourself with text
saying something like “Let me tell you how to make $50,000 this
month!” If they are interested, they will click on the link and

listen to your message; if they are not interested in audio, then
you should be using a different pitch anyway.

Also, monitor what advertisers are putting on your site if you
sell ad space. I am sure you have seen those ads with the

animated dancing figure, cute the first time you see it. But
after seeing it 10,000 times with every imaginable character I
have added the company to a list I keep of companies I will
never do business with. So their animation has gone from “look

at me” to “you annoy me” in my mind. Ads like these will impact
your visitor’s experience. So even if your site is perfectly
designed, one misplaced ad can ruin all of your hard work.

4. Have a Clear Message � Too many web sites are a mish-mash of

content. This is especially true of blog pages. Certain types of
sites lend themselves to stream of consciousness content, but
most don’t. Make it easy for your viewer to understand what your
web site is about, don’t make them guess. Have a clear topic

headline, followed by clear and concise text. This is also where
a picture is worth a thousand words, but only if the picture
directly pertains to your message.

You want your visitor to quickly understand what your message

is. If they like your message, they will take the time to read
the rest of your page and look around your web site. If they
don’t like your page, then it won’t do you any good having them
stay on your site anyway. So, don’t make your visitors guess,

let them know what you are about quickly and cleanly and you
will have happy visitors. And when thinking about a sales page,
a happy customer is a buying customer.

5. Coordinated Design � This one should be self evident, but it

is surprising how many sites change their design for every page.
You want your visitor to be comfortable in your site and one way
to achieve that is by having a coordinated web design. Having a
consistent logo, using a consistent color scheme, keeping your

navigation in the same place. All of these help to create a
coordinated design. This does not mean that you can’t change
colors or the “Look” on different segments of your site, but if
you do, the changes should not be so drastic that it feels like

you have moved on to a different site.

If you select one place for your logo, one place for your
navigation, one look for your buttons or other common graphic
elements and stick with those then you will be well on your way

to a coordinated design. If you change colors for a different
section, but keep the same logo location, the same navigation
location, the same button shape, then your visitors will not
become lost as they move from page to page.

6. Easy Navigation � Once you have grabbed your visitors
attention you want them to be able to easily move around the
different areas of your web site. This is done with easy to use
navigation. There are three standard, accepted locations for

navigation elements on a web page: along the top, on the left
side, and at the bottom. I will usually put my main navigation
either along the top or along the left side. I will then put
text based navigation at the bottom of the page, this text based

navigation is more for the search engines than anything else,
but it also makes it easy for your visitors to move to the next
page when they have reached the bottom of the current page.

Most people start reading a page from the top left and then

read towards the bottom right. So navigation at the left or top
will be seen as soon as someone enters your page. Also
navigation at the left or top will not move or change position
if the browser window is adjusted in size. The worst thing you

can do is to put your main navigation on the right side of the
page and have your page set for a large screen size. Let’s say
that your page is set for 1024 across with the navigation on the
right, and someone views your page at 800 across, they will not

see your navigation at all. The left side of your page will show
perfectly, but the right side will be hidden outside of their
viewing area. Of course by using floating or popup menus you can
overcome some of these design limitations and keep your

navigation visible at all times.

Unless you know that your audience will enjoy it, don’t use
Mystery Navigation. This is where your navigation is hidden
within images, or spaced around the web page in some mysterious

random order. This can be fun on gaming sites, or social
networking sites, but in most cases the navigation should be
easy to see and easy to use. If you do want to use Mystery
Navigation, I would recommend keeping the text based navigation

at the bottom of the page, just in case.

7. Have a “Complete” web site � And finally, no one wants to go
to a web site only to find that the site is “Under Construction”
and the content they are looking for is not there. These are

words that you should never use. If a section of your web site
is not ready for prime time yet, then simply don’t show it yet.
It is better to have your site look complete and professional,
then to have it look like a work in progress that should not be

up on the web yet.

You can easily tell your visitors that you will be having more
content in the future without having your site look like it is
unfinished. Just use phrases like “Content Updated Weekly” or

“New Products Added Monthly”. Both of these will tell your
visitors that it would be worth their time to come back and
visit later, but neither one will make your site look
unfinished. So no matter how small your web site is, give the

impression that you have taken the time to complete the site
before putting it up on the internet, this makes for a more
professional presentation and a better visitor experience.

In Closing � By following these simple 7 Basics of Good Web

Design you will be well on your way to having an easy to use and
successful web presence. Just keep in mind what you look for
when you first land on a web page after doing a web search in
Google or Yahoo, or other search engine. If you want fast

loading pages, make sure your pages load fast. If you want to be
able to find what you are looking for quickly and easily, then
make sure you have easy navigation. Just keep your first time
visitor in mind, put yourself in their web shoes and make your

web site an enjoyable place to visit and success should follow.
================================================================
George Peirson is a successful Entrepreneur and Internet Trainer.
He is the author of over 40 multimedia based tutorial training

titles covering such topics as Photoshop, Flash and Dreamweaver.
To see his training sets visit http://www.howtogurus.com
Article copyright 2009 George Peirson
========================================

A concise explanation of PCI requirements for merchants-don’t ignore-it can cost you big money!

Unfortunately for merchants with an IP connection but luckily for cardholders MC/Visa/Discover/Amex has mandated that all merchants must be PCI compliant by the end of the year to continue processing. It can be confusing because it’s new and many processors have been keeping their heads in the sand and not telling their merchants even though they will have to or shut the merchant down at some point. The first effective date was October 2008 but MC/Visa can be a several months behind with enforcement unless there’s a fine than they just grab your money right away. They fine the clearing bank which rolls over and immediately pays the fine and than withholds the funds from the merchant until paid. So the non compliant merchant is caught in the middle. Once you’re PCI compliant they presumably can’t fine you for identity theft. I’ve been telling my existing merchants about for over a year.

The scans basically search for all services and all open ports running in the target machine. Our scanning firm of choice has a database of over 24,000 known threats that cross check against the target machine. You can see them here https://my.controlscan.com/threats/. If the terminal is connected via a phone line only, there is no requirement for a scan. The SAQ questionnaire is all that would be needed as long as there are no other storage or devices that use credit card data.

This weekend I was reviewing a bulletin sent out to ticketbrokers from one of the Ticket POS organizations. I noticed that they left out a VERY important piece of information. The simple fact is that virtually all current versions of gateways, shopping carts and POS systems are PCI complaint as far as encryption. However this is not the only place where cardholder identity is compromised. It doesn’t matter how good your POS system, gateway or shopping cart is you still have an IP connection to the internet and the only way to be totally compliant so that your processor doesn’t pass through fines to you from their bank is to have a certified security firm scan your server/computers on an ongoing basis.

The typical charge for a Level 4 merchant which most merchants are is only $149.00 per year. This includes weekly scanning and quarterly reports. Contrary to some claims it is impossible to provide a compliant quarterly scan report with only 1 scan per quarter. Also included in this service is the Self Assessment Questionnaire (has to be submitted yearly for compliance) and Breach Protection. A merchant can pay monthly if they like. The cost is $149/year or $15/month, so you save a bit of money if you purchase an annual membership. As I have mentioned before I receive no commissions or referral fees from them in order to keep the cost down top my merchants. For this price there is absolutely no reason that any merchant using an IP connection to enter cc orders shouldn’t be compliant.

See http://blog.paymentconsulting.net/?s=pci

Additional phase in dates will be 10/01/2009 and 07/01/2010. For exact mandates go to http://usa.visa.com/download/merchants/payment_application_security_mandates.pdf

Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
http://paymentconsulting.net/adv_funding.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

free materials for your business

Hi,

You can get free materials for your business by using the below hyperlink

americanexpress.com/decals.


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.