Send money for FREE Low fees for receiving money (business accounts) Limited to $100 per month on receiving credit card payments Select users can access cash using ATM cards

PROPAY:

PROPAY doesn't require your client to join prior to you getting paid. One benefit of PROPAY system is you are actually charging credit cards directly for transactions, without use of an account.

ECOUNT:

The Ecount system permits you to shop anywhere online where MasterCard is accepted, and you can also e-mail cash payments to nearly anyone. In addition, you can access your cash via ATM machines. You can also accept payments from any major credit card.

EMONEY MAIL:

Emoney is powered by Bank One; however, you do not need to be a Bank One customer to use this service. You can use your Visa credit card or your checking account to send money to almost any e-mail address. All you need to know is recipients e-mail address.

BILLPOINT:

Billpoint is Ebay's preferred payment service of you are buying or selling merchandise on their site. Transactions can be paid for by using MasterCard, Visa, check or Discover.

E-money services permit anyone to send or receive cash and conduct online transactions without need for a merchant account. In addition, many shopping carts are implementing different E-money services as a payment option. The services outlined in this article are only a few of e-money service providers available. To view a complete list of virtual cash services, please visit www.youronlinebusiness.com/emoney.htm

Of course, if you're really upscale, you can include a "Call-me" button on your site.

2. Return every e-mail or phone call in same day, as far as reasonably possible. This may sound simplistic, but a recent experiment with top Fortune 100 companies showed that nearly a third failed to respond to e-mail sent through their Web site within one month! Some of these companies still don't provide a usable e-mail address on their sites at all.

3. Acknowledge all orders. Send e-mail confirmations (this can be done very effectively with autoresponders), and if you're shipping actual products, give tracking numbers and expected delivery dates.

4. Provide a clear return policy, honor it and learn from it. This may give you more information about what's working and what's not. Jim's products are sometimes returned with no explanation, so his staff always call customer to establish and resolve problem.

5. Expect more phone calls. Jim says: "Customers can't read or write!" If your Web site traffic and response rates grow (which is, of course, what we want), so will volume of phone calls, whatever your business or industry.

Regardless of site quality, clear returns and privacy policies, secure servers, etc., people still require human interaction. All of my clients report talking to customers on phone, and walking them through Web site, where their questions are clearly answered. Maybe these psychological barriers will lessen over next few years, but right now, they are very much there.

If you can get customer service aspects of your business working well, there'll be a definite bottom line impact. Jim is quite clear that his business has grown substantially through repeat business and referrals from satisfied customers.

And in contrast, we can see impact of poor customer service and fulfillment procedures in many of dot.coms that are currently failing. Jim says that people buy things online in expectation of getting something more valuable than actual money they spend.

Does your Web site do this??

JFA Inc. can be found at http://www.jfainc.com/