The Paypers - despre plati online

The Paypers Reprezinta o sursa independenta de stiri si analize de catre si pentru profesionisti din comunitatea de epayment internationala.

Produsele si serviciile acestora sunt create pentru a acoperi dezvoltarile semnificative din domeniul platilor folosind cardul cu orientare speciala catre

* plati online
* online banking
* plati de pe telefonul mobil
* facturari electronice precum
si Zona Unica Euro.

Suna bine si pare o initiative interesanta. Pot fi gasiti si pe twitter.

Pot plati online? Da - ba nu, stati sa vedeti ca...?!

Haideti sa schimbam putin topicul blogului.

Pana acum a fost gandit drept ceva pur informativ insa desi
sunt urmarite subiectele interactivitatea este putina.

De aceea, imi propun sa ma adresez in special cititorilor din Romania
abordand teme locale.

Care sunt bancile pe care le recomand, calitatea in baza careia le recomand, ce probleme intalnesc si cum pot fi rezolvate.

Cea mai recenta este de ieri. Un domn m-a rugat sa il ajut sa efectueze o plata de
250 EUR pe un site strain. Omul nostru a fost la banca proprie si anume Carpatica
si a fost sfatuit sa faca un exchange.

Practic banca l-a determinat sa schimbe cei 250 EUR in RON. Echivalentul in RON
a fost depus in contul aferent unui Mastercard debit.
Buun! Omul nostru a intrebat reprezentantul bancii pot folosi acest card pt a plati
un bun pe care intentionez sa il achizitionez de pe siteul acesta [...]?" Sigur, normal ca
puteti!

Ca sa ajunga la ora 1 noaptea in urma unui proces complex de signup sa ii fie refuzata tranzactia de catre siteul respectiv.

Mentionez ca e vorba despre un site destul de cunoscut iar problema era legata de cardul folosit. Anume cardul nu este activat pentru tranzactii online. De aici drama. Du-te schimba banii, depune-i in cont, nu poti folosi cardul respectiv pt ce iti trebuie, scoate banii, depune-i in alt cont si in final faci plata de acolo.
Este vorba de timp pierdut, de nervi consumati si de energie irosita. Si de ce?

Pentru ca unii agenti nu au know how, unele banci nu investesc in training si efectiv mentin oameni cu putina competenta cand vine vorba de operatiuni mai complexe.
Ati patit ceva similar? Aveti o poveste de spus? Haideti sa haidem, poate schimbam ceva in modul in care suntem vazuti in calitate de client!

Tools forex trading

One of the News tools I was using back when trading. It represents the economic calendar with to the point insight on what moves on the Forex Market.

If you are interested in the GDP moves for one specific country it can be found on http://www.fxstreet.com/fundamental/ that or any moves in the interest rates both past and estimated.

Another tool that I was combining was the msnbc.com news feed. This is mainly useful when there are factors such as tornado`s approaching the Gulf of Mexico. That usually affects speculation on the USD due to its threat on the oil prices.

That is about enough to track news. Have a happy Non Farm Payrolls Friday when it comes around, this month is past already.

Visitors from all over the world - welcome!

It`s been a while since I haven`t posted to my blog and the reason for that is due to an opportunity that has recently become a reality.

I am referring to the Forex market and to what it means. I`m talking about all the research you need to do in order to win in this game. To all factors to be taken into account when dealing currency.

That was the reason I was away from my blog; however the passion for Forex is not in against the blog`s theme.

This post however is about something else, it`s about you, visitors that spent time reading about paypal and about the things enclosed. I don`t know exactly whether it really helped anyone in improving their life but I certainly hope for the best. I see stats showing that people from as far a Thailand to Arkansas, Brazil to Bulgaria, South Africa to Denmark and the Netherlands take interest in my blog.

I only refer to visits that last for at least 1 minute.

I invite you to an open talk, a dialogue about your interests or objectives in this field and wish that I can answer to as many people as possible.

There will be no concern unaddressed and hopefully I can be of help.

Anyways, a big thank you to all my visitors!!!

Top ways to stay safe in epayment

As I would like it to be clear on the first line please note that the top trick in getting your identity stolen is by phishing. Ok so that means stay alert about giving out your details. It`s been said and written over and over that phishing is number one way of loosing your identity (billing address, security questions, credit or debit card numbers and phone numbers) online in the hands of ruthless criminals. Nevertheless it doesn`t make it disappear as thousands of people get scammed everyday out of their precious data.

One of the latest trends is through social networks such as myspace or friendster and hi5. This legitimate phenomenon of web.2.o is now getting exploited by the same people as before. They too have spread networks so to keep a long story short I would sum up a list that you could print out and keep it in your wallet.
1. Do not respond to unsolicited emails asking you to confirm your billing details. No bank on the planet would make you confirm your identity by asking you data they should ALREADY have.

2. When browsing social networking sites do not fall for any of the following tricks: offer to pay for your "friend`s" ticket unless you personally know the person, do not offer to pay for a puppy or any cute animal to save it from Senegal or Mozambique they often do not exist, do not offer to pay rent or any loses a "social networked" friend would come up with it`s no more no less than a scam.

3. When physically present in a foreign country and paying by credit card watch closely where your card is being placed as sometimes skimming may occur without you noticing it along with your payment. Next thing you know is your card was used two continents away...

4. Check your online statement for any signs of unrecognized charges. Small Amount non recognized payments go undetected for a 6 week period of time as most fraud experienced individuals go for low amounts during an extended period of time rather than fast high amount purchases.

5. Call the merchant! Most banks should be able to provide you with a toll free number to call for inquiring about a specific purchase. And as a secret most merchants include their toll free number in the billing descriptor to make it faster and more convenient for you to recognize as they do not want any illegitimate chargebacks.

6. Use prepaid credit cards. Most times these can get you out of illegitimate activities as they are only valid for a short period of time and are linked to a bank account only for the prepaid amount and not more thus rest of the funds being intangible.

7. If you are spammed with a lottery gain that you know you never entered stay away from it as you know better that no money comes effortless. Why would lottery be so much different?

8. If you are a merchant check all your high orders for any sign of inconsistency. This means any mismatch between the identity of the payer and the shipping address or between the name and the accent or funky email addressed created for free on yahoo.
You can check when was the last update under the yahoo profile section and a fresh email address (recent) indicates the individual is not really "as advertised".

9. Watch out for any fast deals. Wherever the speed of a claimed deal such as discount now, large discount offer of less than 40% of the price you find anywhere else "only if you act now" is not a positive sign. Rather wait and compare options than submitting your details on the spot. The two continent away purchases won`t hesitate to appear afterwards...

10. Keep an open mind about everything that involves immediate payment and you cannot check the reputation of the seller. We live in the digital world where almost everything is supposed to be traceable so do a background check on your seller or buyer and if you come with a reasonable number of clues as to indicate consistency then go for it otherwise wait and compare with a different offer.

The above indications are not claimed to be complete yet should suffice any interested person in keeping themselves safe in the epay world.

What is an efficient chargeback?

All the time someone gets an unrecognized charge on their statement they have two options. One of them is to call your credit card company asking them for the phone number of the Company that incurred the charge and a second option is to simply dispute it.

If you are unsure what the Company stands for (what services they provide or what they sell) it is strongly advised to give them a call. This because some companies don`t display their store brand name next to the charges but some third party processor.

Now if calling that number helps remember the Merchant and you know it was a legitimate charge then there is no need to dispute it as most probably, if they have a cbk department in place, you will loose it on a Visa and Mastercard.

Companies with large amount of sales have a chargeback department and they can respond and win back the charge that you disputed in the first place. This not only results in lost time and money but also will give you a hard time if you intend to make any more purchases with that company in the future.

On the other hand if calling the toll free and still not recognize the Company or you haven`t purchased with them then go ahead with a dispute mentioning what your reasons are. It is usually a good idea to provide as much information as possible about the time and date, the possession of the card at that point and the missing/ unrecognized Amounts.

You will have to receive then what is called the conditional credit which means the charged amount is set back into your account and will stay as conditional until that company responds or x number of days (usually 14) have passed and no response came from the company. This usually means they acknowledge the charge was fraudulent.

A last piece of advise on this matter would be to use it moderate and be careful with your cards as a charegeback dispute on a reason of fraud will automatically incur the cancellation of that cc and additional fees and time for issuing a new one.

eBay din Romania - feedback matters

In situatia in care va ganditi sa abordati o piata globala prin eBay si sunteti o antrepenoare/ antrepenor roman aici puteti gasi cateva reguli, cu titlul de recomandari despre cum sa procedati.

If you find yourself in the situation of being a Romanian entrepeneur and would like to take up a global market you may be thrilled to find enclosed a few rules, more likely recommendations on how to proceed.

Sa incepem cu eBay si ce oportunitati ofera. eBay ofera beneficiul major ca nu tine cont de frontiere. Prin eBay poti tranzactiona (achizitiona sau vinde bunuri) cu un corespondent - ebay user - din USA, Hawaii, Hong Kong sau Tokyo. Trebuie insa mentionat de la inceput ca reputatia este ceea ce conteaza cel mai mult. Daca ai reputatie sau feedback 100% pozitiv atunci esti pe calea cea buna. Pe de alta parte daca ai incercat sa "tepuiesti" sistemul s-ar putea sa fie singura incercare.

Let`s start with eBay and what are the opportunities it provides. eBay offers the major benefit of not restricting it`s activity to a geographical area. Using eBay you can trade (buy or sell goods) with a corespondent - eBay user - from the US, Hawaii, Hong Kong or even Tokyo. It must be made crystal clear straight from the beginning that reputation matters the most. If you have 100% positive feedback then you are on the right track. If you try and "fool" the system it might be your last try.

Solutia este urmatoarea pentru a va asigura reusita demersului prin eBay: oferiti intotdeauna spre vanzare doar ceea ce puteti livra, comunicati cu seller-ul sau cumparatorul, nu licitati aiurea, nu trageti de timp si mai ales nu incercati sa evitati raspunsurile la eventuale intrebari din partea celor interesati.

To ensure you become a winner on eBay you need to make sure: you always offer only what you can deliver, communicate with your buyer/ seller, don`t bid irresponsible, don`t delay and under any circumstance don`t avoid answers you need to give to bidders questions.

...to be continued

Online banking Raiffeisen, BCR, ING, BRD, AlphaBank si Bancpost

Toate aceste banci ofera posibilitatea de a administrare online a conturilor detinute de dumneavoastra la respectiva entitate bancara.

Nu vreau sa fac reclama insa din experienta mea pot spune ca cea mai satisfacatoare experienta o ofera Raiffeisen prin versiunea sa online.

Am mentionat drept experienta cea mai placuta din urmatoarele motive: este cea mai eficienta dintre toate, spre exemplu la Raiffeisen o depunere de numerar intr-un cont in orice valuta va deveni disponibila in cateva minute si poate fi verificata pe contul online tot in atat timp. O depunere pe un card American Express, disponibil doar la Bancpost, dureaza cateva zile pana in momentul in care se updateaza disponibilul in cont.

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Un alt motiv pentru care folosesc Raiffeisen (au existat momente in care aveam indoieli si cautam o solutie alternativa) este acela ca pana acum e singura banca ce a rezolvat in favoarea clientului un refuz la plata punand efectiv banii inapoi pentru o tranzactie in urma careia nu se livrase bunul platit.

Acesta din urma este un motiv foarte bun daca folositi frecvent cardul pentru cumparaturi fie pe Internet fie in magazine. Iar cum e-commerce in Romania este abia la inceput este un motiv foarte bun conferind siguranta cumparaturilor efectuate de tine.

Matica - “manifest/invitatie de a ajuta e-commerceul”

Va cer suportul in a prelua si publica acest manifest pentru a putea avea o cercetare de piata cat mai buna […]

Femeile nu cumpara branduri, ele se identifica cu acestea.
“Magazinul visurilor tale” este un studiu de piata online care se adreseaza exclusiv femeilor si care urmareste sa afle dorintele si opiniile acestora in legatura cu magazinele virtuale din Romania. Mesajul pe care aceasta cercetare doreste sa il transmita este simplu si cu un impact puternic in randul proprietarilor de magazine virtuale: femeile vor sa fie considerate un factor important in faza de constructie a comertului electronic romanesc.
De ce sa ne concentram atentia asupra femeilor?

Pentru ca femeile iau (toate) deciziile financiare.
Pentru ca femeile detin controlul in ceea ce priveste sanatatea.
Pentru ca femeile au o durata medie de viata mai mare decat cea a barbatilor.
Pentru ca femeile sunt cele care deschid cele mai multe noi afaceri.
Pentru ca veniturile femeilor au crescut substantial in ultima perioada.
Pentru ca femeile patrund cu rapiditate in posturile de conducere.
Pentru ca femeile sunt vanzatori mai buni decat barbatii.
Pentru ca femeile cumpara (aproape) orice.

Sa vinzi a devenit un joc al femeilor. Cine reuseste sa managerizeze mai multe activitati in acelasi timp? Cine se implica mai mult in imaginea personala? Cine are grija de detalii? Cine reuseste mai usor sa isi faca noi prieteni? Cine pune cele mai multe intrebari intr-o conversatie? Cine este un bun ascultator? Cine este mai interesat in dezvoltarea aptitudinilor de comunicare? Cine se implica mai mult? Cine incurajeaza armonia si intelegerea? Cine are o intuitie mai buna? Cine are cea mai lunga lista de task-uri? Cine se bucura sa faca o analiza a evenimentelor din timpul zilei? Cine se pricepe cel mai bine sa pastreze legatura cu ceilalti? Raspunde acestor intrebari si vei vedea de ce parerea femeilor este singura care ne intereseaza.

Inca din copilarie femeile incep sa fie proactive in ceea ce priveste interactiunea. Daca intrebi o fetita ce a facut la scoala in ziua respectiva, aceasta va incepe sa iti povesteasca totul, pana la cele mai mici detalii, in timp ce un baietel doar va mormai “Bine”. Femeile vorbesc si aud un limbaj al relationarii si intimitatii, in timp ce barbatii folosesc un limbaj al realitatii si independentei. Barbatii comunica pentru a obtine informatii, pentru a-si crea un statut, pentru a-si afirma independenta. Femeile comunica pentru a crea relatii, pentru a incuraja interactiunea, pentru a schimba sentimente. Cu alte cuvinte, femeile comunica de trei ori mai mult decat barbatii.

Conform ultimelor studii desfasurate in Europa si SUA, femeile s-au adaptat cel mai bine noilor cerinte ale economiei mondiale, fiind mult mai bine dotate pentru noile job-uri ale secolului 21, in care creierul conteaza mai mult decat muschii: aplica un stil de management bazat pe interactiune si colaborare; sustin colaborari fructuoase; se simt confortabil in ceea ce priveste schimbul de informatii; privesc redistribuirea puterii ca pe o victorie si nu o infrangere; apreciaza feedback-ul multidimensional; pretuieste atat aptitudinile tehnice cat si cele interpersonale in mod egal; la fel si contributia individuala si cea de grup; accepta foarte usor ambiguitatea; apreciaza la fel de mult intuitia cat si rationalitatea; sunt flexibile; apreciaza diversitatea culturala.
Mai mult decat atat, studiile arata ca femeile ating in mod constant rezultate financiare mai mari decat barbatii, contributia acestora la cresterea PIB mondiala fiind mai mare decat aportul noilor tehnologii sau al gigantilor India si China.

Desi femeile din ziua de astazi sunt vazute ca fiind cei mai mari consumatori de bunuri si servicii, peste 90% din magazinele online existente au fost construite de catre barbati pentru barbati. In spatiul virtual romanesc functioneaza maxim cinci magazine cu produse destinate exclusiv femeilor si nu exista niciun magazin cu produse generale care sa ia in calcul si segmentul feminin, in conditiile in care aproape 50% din utilizatorii de Internet sunt femei.

“Mie personal nu imi place deloc sa imi cumpar un gadget dintr-un magazin online de la noi. Atmosfera este anosta, fara personalitate, mi se baga in fata tot felul de detalii tehnice si o descriere plictisitoare si ultra specializata. Da, am nevoie si de aceste informatii, insa nu ar trebui sa fie totul. In Internet trebuie sa ma faca sa simt produsul, sa imi spuna povestea lui, sa ma transpuna intr-un mediu in care sa ma simt relaxata si care sa ma convinga. Sunt o persoana creativa, care se simte frustrata cand i se ofera informatii scurte si fara esenta. Plus ca nu toti avem cunostinte avansate de software si hardware, astfel incat sa intelegem perfect tot ce ni se spune. Si atunci cum ma convingi?”, ne-a marturisit una dintre femeile care ocupa o pozitie de top intr-o firma multinationala din Romania.

Femeile si barbatii sunt diferiti. Foarte diferiti. Foarte, foarte diferiti. Femeile si barbatii nu au a-b-s-o-l-u-t nimic in comun. Femeile cumpara multe lucruri. Femeile cumpara toate lucrurile. Piata destinata femeilor reprezinta oportunitatea numarul unu in dezvoltarea economica actuala. Barbatii sunt total si fara speranta nestiutori in ceea ce priveste dorintele femeilor.
Vino pe www.cercetareonline.ro si spune-ne care sunt asteptarile si dorintele tale. Fii proactiva si ajuta-ne sa schimbam mentalitatile. Te asteptam cu drag sa ni te alaturi si sa te rasplatim cu premii importante: o tinuta TinaR sau un laptop Dell roz, cu cristale Swarovski.“