Don't Play Debit Card Roulette

Written by Rick David


In a highly competitive economy, there is no sense in gambling with your payment processing options; businesses need every advantage to win in today’s global marketplace. Accepting payments through customer debit cards increasesrepparttar odds thatrepparttar 135711 customer who favors this particular payment option will be happy and continually return.

There are two forms of debit card transactions and every merchant should have both.

1. PIN Based Debit 2. Signature Based Debit

PIN based debit is also called “online debit” becauserepparttar 135712 transaction is conveyed electronically atrepparttar 135713 point of sale. The customer confirmsrepparttar 135714 sale by keying in their personal identification number (PIN), andrepparttar 135715 funds are immediately captured through a nationwide EFT network fromrepparttar 135716 customer’s bank account. The funds are deposited intorepparttar 135717 merchant’s account in 2-3 business days for a nominal per item fee.

The service is much more cost effective than credit card transactions, and PIN based debit card use is becoming an extremely popular option because of its safety and security. People who use this option don’t have to carry around a lot of cash, and they get to seerepparttar 135718 details of their transactions in their bank statements. The default on your point-of-sale device should be set to PIN based.

However,

Offshore This!

Written by Rick David


So I call my telephone company and someone picks up 15,000 miles away. I askedrepparttar rep where she's from. She said, “I am from Mary-Land sir. How may I give you excellent service today?” The accent was… American... in a high society 19th century ultra-polite sort of way.

“Mary Land?” My brain's editing booth could not screenrepparttar 135710 snickers in time.

“Yes sir… this is correct sir.” She pushed torepparttar 135711 next level. “Yes, Mary Land, sir, on thee eastern seaboard. How may I give you excellent service?”

“The eastern seaboard?” Now laughing out loud.

“Yes sir, on thee eastern seaboard of thee United States. May I give you excellent service today?”

The ‘broken record’ assertiveness technique broke my resolve and she proceeded to give me excellent service, in a deceptive kind of way, thoughrepparttar 135712 experience left me queasy thinking aboutrepparttar 135713 whole new class of jobs being shipped overseas.

When manufacturing leftrepparttar 135714 United States,repparttar 135715 tech sector was supposed to berepparttar 135716 new frontier. Americans rushed out to be retrained. Students set their sites on computer engineering. Our tech sector was so good, it createdrepparttar 135717 very systems that made it possible to replace itself. Corporations discovered that an Indian college graduate will work at a call center for 10,000 rupees a month, or just under $60.00 a week. I have no malice for our Indian friends, they only want to work. But our kids are going to have to become proficient at more than playing video games and watching movies to compete with this highly educated and driven mass of hungry labor! Math anyone?

I remember hearing thatrepparttar 135718 receptionist wasrepparttar 135719 "face and voice" ofrepparttar 135720 company andrepparttar 135721 public would get their first and most lasting impression based on her attitude. (With that much on her shoulders, they should have raised her pay.) Nowrepparttar 135722 whole customer interface has been tossed to foreign nationals. Perhaps there will be a backlash in advertising. "Our tech support is Made inrepparttar 135723 USA! Ifrepparttar 135724 anecdotal evidence on Internet posting boards is any measure, many customers would rather be pierced with punji sticks rather than be taught one foreign language, (the computer) by someone with another foreign language! Written scripts are repeated ad nauseum with no ability to converse off-road and actually makerepparttar 135725 customer feel understood. Below is a sample, your results may vary.

Reactions to Foreign Customer Service

“I called HP Cares. They didn't. I spoke with three or four representatives. They all had limited English and spoke with an accent. They all asked merepparttar 135726 same set of questions. Many askedrepparttar 135727 same questions over and over and over again. They all refused to believe thatrepparttar 135728 sticker was not there. They all treated me like I was simply too stupid to find it or maybe I was just blind. And, they all put me on hold…”

“We could not understand each other. Evenrepparttar 135729 simplest English terms were incomprehensible to her. I said goodbye and went throughrepparttar 135730 tedious re-calling process, waiting another 20 minutes or so on hold. The second technician could also not understand English, andrepparttar 135731 connection broke after a few minutes, so I called a third time, going throughrepparttar 135732 whole waiting drill…”

“I will never purchase another Dell product, ever again. And everyone I know will not purchase their products either…”

It appears that companies may also be outsourcingrepparttar 135733 trust they've built in their brand, along with customer loyalty and retention. I think I'm on to something here. Let's go American business! Advertise your "Onshore" Calling Center!!!

The call centers are not only in India, they are coming online anywhere a building can put up some computers, chairs and get broadband. A Costa Rican tech support rep working for Toshiba complained in a posting that his job was outsourced to Turkey. Kencall of Kenya, provides its own generators and satellite uplink. I bet they don't have an employee snack room though.

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