Like any business, online commerce has its own obstacles. Though they may present themselves differently than a brick and mortar establishment, many of these challenges are rooted in the same fundamental issues of trust, communication, and convenience. Creating a profitable eCommerce business with a positive reputation depends on your ability to navigate these challenges and provide customers with the best online shopping experience available.

The first thing to realize as an online business owner is that the vast majority of visitors to your site will not trust what they see. Customers are unimpressed with stylish layouts and amazing graphics when it comes down actually spending money. Most people want to see legitimacy. This can be displayed in many ways. Start by including a physical address and phone number, along with several contact emails and company bios. These things can go a long way in establishing legitimacy, but don’t stop there. Partnering up with other valued websites and becoming a member of organizations such as the Better Business Bureau are other proven ways to build trust. Beyond that, you must be good at answering the phones and responding quickly to customer inquiries. Some customers will even call just to see how quickly you respond, looking for comfort in the fact that your business is active and on top of things.

Product presentation is the second most important obstacle to overcome in online business. Unlike in a real world store, customers cannot touch and feel the product under consideration, and for this reason, the level of product showcasing must be very high. Provide several image views, elaborate descriptions, customer reviews, as well as links for other information. Most successful ecommerce sites provide at least five pictures of each product. Descriptions should be unique to your business and as clear as possible. If you or your team is not comfortable writing attractive product descriptions, hiring a writer is well worth the expense.

The last major issue in online business is security. The security of your website determines a customer’s willingness to enter their personal payment information. Part of establishing trust in your security is in having an online merchant account. A credit card merchant account will allow you to accept card payments while keeping shoppers within your website. Moving from your site to a third party processor’s site can be quite unsettling for potential buyers and can also cause a host of other problems. Once a merchant account is in place, making sure your site has adequate encryption will also reassure your customers in the level of informational security employed by your business.

The challenges of online sales are easily overcome with the investment of some time and thought. Without tackling these obstacles, the probability of sales will be very low. Of course, it doesn’t stop there. There are an infinite number of improvements you should continue to make as your business grows and develops. These major obstacles are merely the roadblocks that have a tendency to shut businesses down before they even get started.

Merchant accounts make it possible for businesses to provide online credit card processing. For more information on credit card processing visit www.stradafee.com.

With all of the preparation, problem solving, and management involved in having an eCommerce store, there is one precaution that is grossly overlooked which has the potential of creating huge problems. Credit card chargebacks were created to protect cardholders from unauthorized transactions, and they make it possible for customers to refuse payment for goods or services based on the claim that the services were not received or goods were never delivered. Credit card institutions may also approve chargebacks based on damaged items and items that are not what they were claimed to be, even if the items were never returned to the vendor. As a result, a few customers regularly abuse the system in hopes of receiving products for free. Naturally, this greatly impacts those in the business of online sales by suddenly removing funds that are already collected, thus these entities must take care to utilize certain protocol to prevent as many chargebacks as possible.

It is extremely important for an eCommerce website to exercise extreme clarity in regards to shipping information, products, and checkout. It is imperative that the customer is aware of how the charge will appear on their card statement. Some customers mistakenly submit a fraudulent charge claim because they did not recognize the charge. Another way to prevent such confusion is to send automatic follow-up emails reminding customers that their card will be charged. These emails are also an appropriate time to reiterate to the customer that they are welcome to call you with any questions concerning this order. The business telephone number should appear clearly on the website as well as on the actual credit card charge. This allows customers to easily call to verify the charge without having to research what the charge might have been.

Pre-ordered items should not be charged to credit cards in advance. The time in which it takes to receive the item in stock may give the customer time to change their mind or simply claim a false charge on the grounds that no items were shipped. Instead, wait until the item is in stock and ready to be shipped before charging a customer’s credit card.

Getting rid of mistaken charges quickly is also a valuable policy for eCommerce. Not only does this avoid confusion and assure the customer that you will not be keeping the money, but it will also build your reputation as a professional and organized establishment. If a mistaken charge is not quickly voided, the customer is likely to take matters into their own hands by simply requesting a chargeback. If a customer reports a mistaken charge, you must never put off responding. It is imperative that you send an immediate response at least to let the customer know you are looking into the matter and will correct it as soon as possible.

The basic idea of preventing chargebacks is to have professional quality control and customer service policies that deal with the problem before a customer has time to consider disputing the charge with their credit card institution. It is much better to deal with these issues with customers directly, both for your future business and for your credit and legal integrity.

Merchant accounts make it possible for businesses to provide online credit card processing. For more information on credit card processing visit www.stradafee.com.

Approximately 85% of online shoppers are concerned with their security, as well they should be. Credit card fraud and identity theft is at an all time high following the explosion credit card transactions made through the Internet. This is why it is extremely important for online retailers and businesses to gain the trust of customers, helping them to believe in the security of your eCommerce system. According to recent research by TNS, 65% of purchases are lost when the customer reaches the check-out area. This is largely due to doubt in the security of the credit card form, which can be avoided by making sure your website displays proper security measures.

Many eCommerce savvy shoppers have learned to look for certain signs of security before entering their credit card information. Some of the most typical security signs are “https” and the padlock graphic found in the URL of the website. The padlock graphic is a VeriSign Secured Seal, one of many companies providing secure transaction online. Almost four out of five Americans recognize the VeriSign Secured Seal, making it an extremely effective security mark. Newer browsers make it possible for authenticated certificates to be detected, displaying the address bar in green. However, most people do not have this feature to help them along and are looking for other signs.

Most reputable companies providing online transaction security utilize SSL technology. SSL, or Secure Sockets Layer, is a military grade encryption that protects customer credit card information as it is transferred on the Internet. This type of information encryption authenticates identity information in association with the credit card data by an authority, verifying the identity of the owner of that certificate. Thought SSL is not a required element for shopping cart security, it certainly shows your commitment to the level of security customers will experience.

The use of these online security measures not only provides protection, it also helps to demonstrate the authenticity of your business. Some customers may still be wary to enter their credit card information online, but the demonstration of such security measure may help them in deciding to make a transaction over the phone, or perhaps contact you for further information. Online retailers see an increase in sales on an average of ten percent after installing some form of security system on the payment pages of their website. This should be a sign to retailers that customers are really looking for ways to make sure their credit card information is safe. Earn the trust of online shoppers by providing the professional security people want.

Merchant accounts make it possible for businesses to provide credit card processing for card present and card-not-present transactions. For more information on credit card processing visit http://www.stradafee.com

Before a merchant or acquirer ponders PCI compliance, it is important to understand which entities PCI compliance applies to. While it is very likely that for each merchant or acquirer, PCI compliance will be mandatory, it is important to remember that it is only required if you are receiving, storing or processing the Primary Account Number (PAN) or the main credit card number of the customer, which is usually no longer than 19 and no less than 16 digits in length.  In addition, a merchant or acquirer must remember that if a PAN is being stored or processed, the other information such as CVV/CVC and card holder information must be protected as well.

For a merchant to become PCI compliant, the merchant has to assess the merchant level relevant for the PCI guidelines, as each different merchant level will have different requirements. In addition, both VISA and MasterCard have certain PCI guidelines in addition to the PCI DSS standard, which need to be adhered to. Discover and American Express follow the PCI DSS standard in addition to a ‘good practices’ handbook, while there are no specific additional requirements. However, in general, the process will begin with the merchant or service provider assessing the validation level, as each different level will involve different audit, questionnaire and network scan requirements.

It would seem obvious that Level 1 merchants occupy the bulge bracket of hacker activity, but it’s actually Level 4, since there merchants tend to be smaller and occupy around 99% of the total market share of credit card transactions, as per estimates by VISA. These merchants tend to be more prone to hacker attacks primarily because they are small and usually do not possess the high end technical infrastructure as mandated by the PCI DSS. To that end, VISA requires that all Level 4 merchants submit a PCI compliance plan. In addition, the level 4 merchant must ensure that in case they are using a point of sale terminal, the terminal must be compatible with PABP and PIN requirements.

Validation levels apply to service providers as well. Service provider levels are categorized differently by MasterCard and Visa, though the emphasis in both cases is on the volume of transactions. For instance, for a Level 2 service provider, VISA prescribes the number of transactions transmitted as more than 100,000 annually, PLUS those who are not in Level 1. MasterCard simply prescribes that Service Providers who transmit on behalf of Level 1 merchants are Level 1 service providers.

The merchant or service provider must build an infrastructure in terms of firewalls, access control systems and data encryption that comply with the PCI DSS. The 1.1 standard issues the following directives for merchants to ensure that they are in compliance with the PCI standards<!–[if !supportFootnotes]–>[1]<!–[endif]–>:

1. Install and maintain a firewall configuration to protect cardholder data.
2. Do not use vendor supplied defaults of system passwords and other security parameters
3. Protect stored cardholder data
4. Encrypt transmission of cardholder data across open, public networks.
5. Use and regularly update anti-virus software or programs
6. Develop and maintain secure systems and applications
7. Restrict access to cardholder data by business need-to-know.
8. Assign a unique ID to each person with computer access
9. Restrict physical access to cardholder data
10. Track and monitor all access to network resources and cardholder data
11. Regularly test security systems and processes
12. Maintain a policy that addresses information security for employees and contractors.

Once the technical infrastructure is in place, the merchant or service provider must locate an Approved Scanning Vendor (ASV), who will conduct a network scan to ensure that the safety requirements highlighted above are actually functional and not just placeholders in the self-assessment questionnaire required for Level 2, 3 and 4 merchants and service providers. The purpose of the scan is to locate vulnerabilities in the system that can lead to data breaches and diagnose & recommend measures to fix these problems. The ASV submits a report to the PCI highlighting the potential security holes and the level of vulnerability from 1-5 (but this time, a Level 5 is the highest point of vulnerability). In case of a level 1 merchant, an on site assessment is also mandated by the PCI, to be conducted by a Qualified Security Assessors (QSAs).

Finally, a self-assessment questionnaire on a prescribed format needs to be submitted to the acquiring bank by the processor &/or merchant service provider, which acts as a checklist to ensure that the 12 requirements outlined above have been addressed and met. Some experts believe that PCI compliance has less to do with network and information security, than it has to do with compliance. For one thing, a merchant only needs to be 100% compliant at the time of the review- this loophole can make a merchant lax throughout the year, and only fix up the security holes during the time of the review or audit. That won’t solve any security crises, only make them worse.

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For more information on how to become PCI Compliant please vist http://www.stradafee.com!

First there was the internet, then ebay, then google; now Myspace is quickly becoming a gateway for many internet users simply as a navigation tool. Essentially, this type of generic purposeful use of a specific URL is the epitome of what businesses and website designers strive for as it brings together a large variety of people that probably wouldn’t have otherwise met. As we all know what Myspace is; the importance of Myspace as a networking tool is that the user controls their level of interaction, accessibility and level of contact with other users from very broad to very specific.

Myspace like a few other popular meeting and self promotional web venues started with the younger generation in mind as a way for youth to associate and identify themselves with others like them and those they like. As many sites develop, the profiles of their users change as well. Today, Myspace has effectively bridged the generation gap and proved itself to be a useful tool for families, friends and classmates to keep in contact with each other as well as communicate events and other news in their lives. The future of the website and others like it is for businesses to host their own promotional webpages for their customers to visit and as a way to attract new clientele. Like advertisers have purchased ad space on websites for years in an attempt to attract specific demographics, self advertising on Myspace and its competitors may prove to be networking goldmine with the result being, creating new customers for merchants through continuous education and communication by the business and perspective clientele. There are as many possibilities as virtual commerce has no boundaries; however time and participatory levels will eventually determine how fast and far these types of networks will succeed.

Examples of networking through Myspace or other like sites may be as simple as a small business owner hosting a page that lets its customers communicate with one another about their products, or a cheap but effective way to keep clients aware of company news and direction or even an upcoming sale. More complex pages may assist merchants actually perform transactions by posting pricing and availability of products or services and the customer actually being able to make a purchase in real time through payment portals set up on the page for payment by credit card or check. As simple as it sounds many small business owners either turn to their own website construction or may want to keep or set up a Myspace page for more simple interactions. Those that may choose to set up interactive pages may find a hurdle to overcome in setting up a portal for their credit card processing. While it’s not difficult to actually find a bank that will set you up with credit card processing capabilities, the challenge is in the shopping. Nearly all online credit card transactions are considered to be high risk by banks and processors, so the concern is that high rates and excessive fees may turn the lure of a low budget ecommerce venture into an expensive headache. This type of business development is very much on the radar merchant service providers. Merchant service brokers or providers foster relationships with numerous banks and processors, giving them options for their clients when it comes to the right fit for them and their business.

As networking through and setting up business contacts through Myspace type sites is geared toward new and budding businesses, consulting with a merchant service provider may be educational and ultimately beneficial for you.

For more information on credit card processing and check processing please visit http://www.stradafee.com.

As the price of fuel continues to rise, just about everything in our lives are affected. The price of the food we eat is as high as ever, services we use every day are more expensive to the point that we find ways to do without them and eventually turn ourselves off to certain industries all together. As we all know, some industries are more of a necessity than a luxury; some of these businesses are not feeling the pinch as much, but are definitely seeing a slow go of things these days. The building trades feel the brunt of the “Big money” cut backs as regional and national economies pinch pennies I hopes that unspent development dollars will lead to surpluses, which may lead to less tax hike for the next year. While the theory seems to be sound, the long term effects will be felt by tax payers and their families for years to come. One industry that spans the construction, planning and development industries is the concrete business. Concrete is used in nearly every building project; it’s literally the foundation that all projects are built on. More than an optional building product, concrete is a staple that cannot be avoided; that is unless you want to see a sea of one story, new construction buildings for the rest of your natural lives?

The increase in fuel prices affects the pricing of concrete more than many raw products, as it’s a product in itself of many other industries whose existence supports the concrete industry. As concrete is made of stone, the production of concrete graded sand and stone that meets a particular specification relies on the fuel pricing to remain at a level low enough to let those businesses control their costs, while not passing them onto their customers as much as possible. Unfortunately for the aggregate industry, fuel pricing has forced them to either raise prices or go out of business. After the hits that the concrete business has taken and prices have been raised, the construction industry has beared just about as much as they can afford, in terms of cost increases; now the money is coming directly out of the profit that the plants take. In terms of cost saving measures, monitoring their credit card processing fees and rates has become a popular way of keeping them in the black. As a lot of concrete purchases are over the phone, many banks impose higher rates to plants because the chance of fraud and theft are higher, due to these “Card not present transactions.” Many merchant service providers specialize in obtaining merchant accounts for these types of businesses through processors and banks that offer low rates and reduced fees. If you’re in the concrete or aggregate business and are looking to better your processing capabilities, contact a merchant service provider today.

For more information on credit card processing and check processing please visit http://www.stradafee.com.

Skateboarding is not an afterthought. For the last few years boarding has lost its skates in the public eye. Skateboarding is not a dead art; in fact it’s more popular than ever. Skaters have new things to do as well. Since surfers that needed something to do when the waves weren’t breaking or the weather was bad turned to “concrete surfing”, the basics of balance, skill and committing to a risk in a moment have been and hopefully will be the ethos that boarding enthusiasts will continue to live by. Today, as many skaters surf, so many snowboard and wake board as well. Its natural progression and the future will bring out crazier and more extremes of board sports for the new breed of athletes who are looking for more than a stick and ball experience. When I was growing up, if you didn’t want to be on the team, whether it was softball, soccer or whatever sport kids and young adults were taking part in at the time, you turned to an individualistic sport. As options were limited, tennis, track and skiing made up the short list. In a nation that has bread teamwork and forced social skill sets, the paradigm has changed and changed in a way that has created different values, goals and interactions for our kids while they grow up. Skateboarding and alternative sports may in fact be a metaphor for the new generation of a progressive society. Participation in individual sports is not for everyone; as there is no set practice to be late for, you really need to get out there and practice and be involved. From there, advancing your skills is mainly up to you and for that reason, the learning curve is what you make of it. Skateboarders and other one-participant sports love that aspect of these activities which leaves them in charge of their own future. Studies have shown that kids growing up without team related activities, who take part in sports like skateboarding, surfing and motocross were more likely to lead and less likely to succumb to peer pressures.

Like all sports, gear is essential and to think that a skateboard is a piece of wood with some wheels on it is just going to piss off skateboarders. If you’re a skateboarder, you know what I mean. As with all industries, skateboard manufacturers spend lots of time and money researching and developing new ways to make boards, trucks and wheels more durable, lighter and less expensive, in an attempt to increase their performance and help riders further the sport. Skateboard shops are not such fringe retailers anymore. Today the sale of boards and accessories still makes up a good portion of their revenues; however, many are expanding their product lines to include other extreme sports that are loosely linked to the skate scene. It’s not uncommon to see snowboards, bmx bikes and wakeboard equipment next to decks and trucks when you walk into your local shop anymore. Merchants see the trends and are preparing themselves for the next new rage. Remember, you used to buy your skateboards in a surf shop. Skateboarding is not going anywhere; however skateboarding is a sensation activity and skaters will look outside skating for a new rush. Consequently, skaters who haven’t picked it up as quickly or get sick of skating will try the next like sport quickly, and repeat until they find one that works for their lifestyle and natural ability. Shop owners need to be ready for everything. Their shops operate mainly on a walk-in basis; however, many operate websites to serve customers worldwide. A merchant account is a necessary evil, or is it. The terms that banks offer merchants is often an unreasonable proposition that they deal with but don’t have to. Merchant service providers can help small shop owners like skate shops and the like to better their situation. Getting good discount rates on credit card processing is available if you look for it. A good place to start is online. Look up merchant service provider if you’re interested.

For more information on credit card processing and check processing please visit http://www.stradafee.com.

We don’t mean that literally or even that you should be watching The Hills on MTV, but let’s just talk about your money or lack of it in today’s economy. It’s hard to find a starting point and even harder to pinpoint where the end to our fiscal woes is going to be and when. The sad state of affairs we call our economy probably started after September eleventh, unfortunately. This isn’t intended to unite, divide or cause alarm to anyone, but every now and then, we need to put back into perspective what our wants and needs are in reference to the dollars that we do have. As I’m no economist, I can only offer an objective view on what I do see every day and what I see on the news; sometimes these two views of American life contrast sharply.

Today, we all pay more for the things we need as well as the things we want. Not a winning proposition; in fact that is the heart of our frustration. Essentially, our wants are drowned out by the need to partake in crazy activities like driving to work and school and eating food. A lot of this is created by the rise in oil prices. When it costs a manufacturer more to produce goods and deliver them to you. We’ll work backwards from here. Increased manufacturing and transportation prices are more of a result of our weak economy. Being in a recession, everyone cuts back, consumers are fickle which makes it difficult for manufacturers and retailers to predict what it is that they are going to buy. What makes it almost funny is that as Americans, we tend to buy things we want and skimp on, borrow or neglect purchasing the things we need. That’s why, when they say that consumer confidence is low, it’s almost all our fault. Another factor that is interchangeable with consumer confidence and increased prices on goods and services is unemployment. With manufacturing costs being high in America, manufacturers have turned to Asia, namely China to produce whole products or some of the parts that make up “American Made” products, putting Americans out of work. It’s easy to see the next step backwards is that those people with no or limited income, feel the crunch more than everyone. Before all of this started, the housing crunch began. This was a result of people taking full advantage of their bank prequalification letters, in my opinion. You all know what I mean, for years prequalification letters gave home buyers an estimate on what they could afford based on their credit score and debt to income ratio; for a while approvals were fast and loose on those guidelines. Yes, the catch was that they had to take an adjustable rate mortgage. Who’s to blame? Is the banking industry to blame for creating such a financial product or consumers for agreeing to pay massive mortgage payments? Looking back further, I find it comical to think that those people just needed a nice house with a nice driveway to park their nice car in that they could afford only because they got it at zero percent interest. Why did that happen? I remember about seven years ago, no one spent a dime; in fact we all thought the sky was falling and hoarded our money. That was until we could buy a turbo diesel one ton pick-up truck for $450 a month. I guess we can’t blame the auto industry for our woes, but taking our current situation into consideration, it’s really clear that (and I’m sorry to say) many of the issues we fact today, we have indirectly created for ourselves by making poor and hasty purchasing decisions in our past.

For more information on credit card processing and check processing please visit http://www.stradafee.com.

Organic produce has worked its way from a nonsensical luxury to a fringe health craze to the mainstay of the fruit and vegetable industry. Once, when farms were being forced to shut down, the farmers chose to grow organic produce to supplement their incomes. In rural areas, farmers offered co-op markets where mostly local residents could pay an annual upfront fee and visit the market once or twice a week to pick up a predetermined amount of organic produce for their families. In many cases this type of business became more than a supplement than a sideline; farmers were now able to forecast crops, have working capital to run their farms and even grow the size of their farms which in most cases makes them more competitive in terms of harvest size which can lower their market price, bring a quality product, organic or non-organic to consumers in the super market and make room for new types of crops.

Today, the produce section at the super market is comprised of twenty to thirty percent organic fruits and vegetables. The pricing is becoming more in line with non-organic produce; as well, the selection and quality is much better than it was even a couple years ago. With the supermarkets purchasing organic produce in mass quantities, some farms are converting all of their crops and facilities to strictly organic. Like most good ideas whose time has come, small farmers markets, roadside stands and co-ops have all but disappeared, and it’s easy to see the reason the minute you walk into your local grocery store. Bringing products, especially produce to market is becoming harder than ever; with the cost of fuel ever on the rise, farmers can only afford to produce in mass quantities. To add insult to injury, the pricing is not in line with the buying in mass quantity school of thought that we are used to when making a purchase. Super markets prices are through the roof totally defeating the purpose of farmers increasing production and to bring their products to market cheaper. In reality, the only people winning at this game are trucking companies, if they can win at anything these days? We all know that truckers are bearing the brunt of the oil crisis in America; what we mean is that perishable items need to be replenished which fosters a need to keep the trucks running, that is all.

What is a farmer to do? Do they increase crop sizes, lower costs of harvest and eventually go out of business, while large super market chains and pessimistic futures investors systematically grease the pole that farm owners are sliding down? Some farm owners are getting back to basics or downsizing crops and reopening their roadside markets and co-ops. What they’ve found is that this doesn’t cut into their newly grown business and reinvigorates the local need for quality produce. Co-ops, farmers markets and corner produce stands have always been a cash business. Maybe some people like it that way, but today, Americans are carrying around a lot less cash. Even, for a farmer to have a merchant account so that they could accept credit cards at their stands can help grow their business more. Naturally, credit cards create a buy now pay later mind set; while it’s not always an ideal way to live, it tends to bridge the gap between consumers and consumables. For farmers or operators of farm markets, this can be the difference between a ten dollar sale and forty dollar sale. For small businesses like them, merchant service providers can be most helpful. Dealing with small businesses and being in touch with those new to processing is what sets them apart from the rest of the pack. If you don’t know to get in touch with a merchant service provider, you can find one on the internet.

For more information on credit card processing and check processing please visit http://www.stradafee.com.

Today with E-banking and E-commerce becoming more mainstream; the services that banks, processors and their affiliates are able to offer make breaking the mold of local and domestic processing an easier and more seamless integration for merchants. This does not mean that domestic banks are suffering and local vendors will eventually stop using them. Web hosting companies are seeing a lot more businesses than usual come to them as vendors to either supplement their existing business or start up and maintain a new entity. Websites are funnels for advertisers, satellite industries and support businesses like banking and customer support. The hosting companies are really doing a lot of work for free so that not only their main client (the merchant) can do business, but also several other companies can make their money. This is fine, but what if you are a hosting company that sets up E-commerce websites for businesses every day only to send them packing off to a search engine to find credit card processing or can’t even answer the question?

Merchant service providers, processors and banks see the forest for the trees in that website hosting companies can be a great referral and affiliate source for them in ultimately obtaining new business. Why give the business away when you can refer it to a paying partner? Processors that deal with multiple banks naturally are able to achieve superior results through excellent rates, custom tailored processing solutions and services that customers may not have thought were available through their current or even any bank or processor. Processors are able to pay commissions to web hosting companies for the leads, and with website optimization becoming increasingly difficult; these fees often prove to be a more calculated expense with a higher rate of return than the processor or merchant service provider climbing the ladder to the first page of a search engine. Merchant service providers interact with several processors, who in turn interact with a number of banks. Likewise banks and merchant service providers foster relationships where the processor is the last piece of the puzzle when the deal comes together. As there are a number of scenarios, any one of these ultimately benefits merchants and the web hosting company that brought them to a processor or merchant service provider first. Merchant service providers typically are on the front line in the credit card processing battle. They deal with new customers every day and are able to gauge the ultimate success of the processing relationship and in turn match them with a processor and/ or bank that will foster the most seamless, quick and least cost intensive credit card processing solution for their customers. For web hosting companies flat rate referrals are only the beginning; high volume, high dollar merchants referred to merchant service providers often rate a percentage commission which can add up quickly. There are a lot of variables when it comes to these relationships, and for web hosting companies, researching the right merchant service provider will improve your customer relations and offer you a niche’ in the market.

For more information on credit card processing and check processing please visit http://www.stradafee.com.