Written by John Ginsberg

Many online retailers are focused onrepparttar first time customer. And understandibly so, considering that in an attempt to capture their fair share of an ever-growing online consumer market, many have put aside a large marketing budget. However, inrepparttar 109072 process, they have forgotten that in many cases, sales are not made onrepparttar 109073 first attempt. The ability of e-tailers to offer impulse buys has been translated intorepparttar 109074 assumption that all customers are impulse buyers. And they decoraterepparttar 109075 front page of their web site with 1-click offers and promises of same-day delivery. But in their haste to reachrepparttar 109076 masses, they have ignoredrepparttar 109077 large number of careful shoppers taking torepparttar 109078 net this year - many forrepparttar 109079 first time. These individuals are careful about puttingrepparttar 109080 credit cards where their mouth is. They evaluate every negative factor of online shopping before deciding to takerepparttar 109081 plunge. Willrepparttar 109082 gifts arrive on time? What if I need to return an item? Will still be around after Christmas, or are they a fly by night web site? These issues often plaguerepparttar 109083 consumer until they experiencerepparttar 109084 inevitable, "Oh hell, why not!" syndrome that all net shoppers have experienced at some point in time. And even then, they limit their testing torepparttar 109085 gift for their 3rd cousin twice removed on their mother's side. But even experienced net shoppers are hesitant, though perhaps for different reasons. The web is a price-shopper's haven with shopping bots constantly scouringrepparttar 109086 net for specials and bargains. The convenience of comparison shopping is merely a mouse click away. It is therefore not surprising that consumers are hesitant to put their money onrepparttar 109087 table, because there might always be a better deal somewhere acrossrepparttar 109088 globe. Add that torepparttar 109089 fact that a web surfer's loyalty to an online store is relative torepparttar 109090 cost of their Internet connection -repparttar 109091 more it costs,repparttar 109092 less time they spend with each store. And web shoppers are unlikely to be as forgiving inrepparttar 109093 online world as they would be inrepparttar 109094 real world. Slow download times and uncooperative web sites all help to convince them thatrepparttar 109095 trip torepparttar 109096 local mall, despiterepparttar 109097 inconvenience, might be less frustrating. So how is an online retailer to compete in an offline-dominated world? It's actually not as difficult as it seems.

Helping Merchant Accounts and Checking Accounts PlayHelping Merchant Accounts and Checking Accounts Play Nicely Together

Written by Karen LaVoy

To Do List: 1. Name my company 2. Name my web site (and register domain name) 3. Open checking account 4. Open merchant account

Youíve maderepparttar arrangements for adding e-commerce capability to your web site. Who wouldnít? Your goal is to make it easy for your customers to buy from you.

Now youíre dealing withrepparttar 109071 merchant application and paperwork. One thing every bank will need is a voided check from your checking account. Your merchant bank will be depositing your revenues into this account. Any fees assessed will be deducted from this same account.

Many people are tempted to use their personal checking accounts in conjunction with their merchant account. This account is already open and functioning, meaning one less to-do item onrepparttar 109072 list, which just grows longer every day. There would be no extra fees to pay, or new checks to order. Sounds like a solid plan.

Itís fairly easy to put this into operation as well. Your merchant bank will require you to add a statement to your order page or shopping cart that reads like this: Your credit card will be charged Jane Q. Public. Simple enough.

What you may not realize is thatrepparttar 109073 name on your personal checking account isrepparttar 109074 name that your customers will see on their credit card statements. So instead of seeing a charge from My Great Company for $125.00, theyíll see a charge from Jane Q. Public. Sure, you told your customer atrepparttar 109075 time ofrepparttar 109076 order thatrepparttar 109077 charge would be from Jane Q, but who remembers thirty days and no telling how many web sites ago?

It doesnít have to be too expensive to open this account. Of course fees will vary from county to county and bank to bank, but hereís a great hint to save some money: Donít order checks. Whoa! you say. Didnít I just read a few paragraphs ago that my merchant bank will need a voided check from this account? I definitely want to make surerepparttar 109078 deposits go torepparttar 109079 right place! Once again, your friendly neighborhood merchant account expert is on your side: just use a counter check. Thatís right- your free book of counter checks can satisfy your merchant bank. The routing number and account number are whatrepparttar 109080 merchant bank cares about, and thatís printed atrepparttar 109081 bottom of every check- including counter checks!

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