mobile payment and acceptance in UK — seamless mobile payments services by #Radiantpay

While making purchase in mortar and retail store or online, today’s customer have expect to do payment in multiple options. Of course there is cash and cards, but apart from this customer expect to pay by the mobile devices, smartphone or their tablets in order to feel secure and safe about their payments. These are the various types of mobile payments.

In order to stay in the competition you should consider that is your business is the right platform to accept mobile payments? Will you lose the customers if u don’t accept payment from smartphones, tablets or any other device? Do your key customers expect to be able to pay with the latest technologies? Another consideration you can make is that whether your business should accepts payment on a mobile device?

The basics of mobile payments

Mobile payment occur when a customer want to make the payment or is able to make the payment through smartphone, tablets or any other wearable devices. The moment customer check in your store he loads his or her payment information. In order to accept payment your business should be equipped with POS terminal and software. The customer will tap the device for the payment on your terminal, authenticates using bio metrics scan such as fingerprint all that will be done after that the transaction data will be securely transferred to the payment processor. Mobile payments eliminate the needs for the wearer to carry the physical wallet, keeping their card data safe and secure on their device that can only be accessed through authentication on which they have a tight control.

Getting to know about mobile acceptance

On the other hand of the payment transaction, mobile acceptance means that the merchant accepts card payments over the mobile device. For example you might have seen vendor at trade shows or festivals running debit and credit cards payment with the help of the tablet with an attached dongle. The merchant simply download the customer application, plugs in the dongle, and connects to a WI-Fi or a cellular data and start accepting payments. Accepting payments over the mobile devices enable the merchant to take the business at a higher level and getting more sales on the floor other than just by accepting card payments or cash alone.

Equipped your business with the POS Terminal and software so that your business can accepts payment through the mobile devices from customers as well as accepts payment from wider public which will help your business grow it had never before. Choose the payment processor that will help you keep one step ahead from your competitor in the payment trends and capture the biggest share in the market through payment transaction over mobile devices.

Credit Card Processing, Online Payment processing

Benefits of accepting credit cards on your website

March 1, 2018 admin

CREDIT CARD BENEFITS — #radiantpay leading payment gateway solution provider in UK

Considering credit cards it has been the most increased and convenient mode of payment in today’s world. If you have your own website or thinking to build a website and not yet had fixed the option for accepting debit and credit cards then you should, because you can’t think how much sales you will be losing not keeping this option as most of the customers pay online and think this is a secured mode of payment to pay for goods and services.

Why to do it?

In today’s world credit card has become the reliable and trust-able mode of payment to pay for goods and services. The development of technology has drafted changes in the minds of customers as well as the vendors, as discussed earlier by fixing the option of accepting debit and credit cards online you will not lose the current customers as well as the upcoming/future customers.

Just in terms of websites, debit and credit cards allow the vendor to take care of three type of customers.

1. The general customer: This is the average customer who wants to shop online goods and services from his desktop. After all, why to stand in a long queue in a retail or mortar store when there is option to pay online itself.

2. Impulse buyers: After stumbling on the website the visitor finally decided to buy the product which are in front of him/her. The plastic card seals the deal of the purchase he/she will make.

3. International customers: The internet has brought the world closer as well as your customers at doors, even if your customer is overseas. Initially differences in currency was the major issue in the past, but now why to wait for a check being cleared from your customer side when there is an option of paying it online on your website. This helps in not losing the customer just because he/she is residing in abroad.

Opening your business to debit and credit card payments

There are two ways of accepting plastic money on your website.

Using the merchant account: The merchant account helps you to accept payments from your customers via debit or credit card. Whether you create your own merchant account or enter into an agreement with a payment processor, who in turn operates merchant account, but you still need to have a business bank account. However, you need to have your merchant ID. Actually it will become the portal which will allow you to accept or decline your customer credit card payment. In essence it will become your virtual vendor terminal.

Using payment gateways: There are various independent companies who will accept credit and debit card payments from your customers on your behalf but take a percentage or charge a fees. They are also called third party merchants.

Which is the best method for you?

The methods of accepting credit card payments is entirely up to you, because both the methods has its own advantages and disadvantages. The cost of setting up a merchant account with a credit card processing is much higher. In fact, to use their services as an added incentive most of the third party merchants don’t have a setup fees at all.However, the transaction fees is much higher in third party merchant than merchant account.

If you are not sure how much money you will make on website, then the best method is to choose third-party merchant account. To just “test the water” third-party merchant accounts is the great way to go. However, this method involve the merchant also as it will be a time saver. The involvement of the merchant will be at the end of each transaction just receiving the payment. These merchants include PayPal, Digital Rivers and others.

Card Processing Services

Ways to Power up Your Processing?

February 23, 2018 admin

Credit card processing company

The online business owners need the perfect solution for the transaction purpose. If you are looking for the great payment solution, we are the perfect choice for you. We provide the tips and tricks to make the transaction in a simple way without any hassle. We know the way to boost up the processing performance of the transaction. It is an important service for every business owners in the world of the online payment. The online is convenient choice for all the people to do the transaction quickly without any delay.

You can make the right decision before using the using the company for boost up the payment processing. This one involved several things that everyone must understand. We handle different transactions from the different channels. This is a beneficial option for the people to utilize the best services with us. We have blessed to provide the right services at the right time to the right customer.

Get the processing details:

It is advised for the people to get the perfect details about the payment processing. The users must set up the correct payment processing. In order to improve the payment processing, you must avoid the chargebacks and disputes. We make the transaction very smoothly and you don’t need to spend enough money for our services. You can just call us for this service and get it quickly at the possible time.

We offer the credit products to improve the processing. We give the full access to the customer to use the credit. You can get the financial offers with us that give more purchasing power. This is very helpful for enhancing the drive sale and purchase value. We provide the complete details of sales fund upfront within a minute. You can get the enticing offers for using the special financial system.

online shopping

How to Improve the Online Shopping Experience on Your Website?

February 21, 2018 admin

In the digital world, the online shopping is gaining more popularity among the people. Huge range of the people is purchasing a lot of the things online from the clothes, accessories, bags to medicine. The website is the powerful tool for the e-commerce store. With the help of the advanced technology, you can create the mobile-friendly website with unique features. Our experts help you to enhance online shopping experience to your customer.

Simple payment option

The e-commerce site offers the various payment methods such as cash on delivery, net banking, credit card, debit card, PayPal, and others. It allows the customers to make the payment without any hassle. When you can add some item to add cart and they can continue to check out then you choose the payment option as per your choice. The simple payment process is the essential way to enhance the sales and conversion of the customers. We provide best service to improve the payment option to your site.

Tips to improve your website user experience

Rapidly changing the technology makes the website outdated. So you can update the website regularly with the latest technology. The e-commerce shoppers engage with the online stores and visible the product reviews before purchasing them through social media like Facebook, Instagram, and others. The good reviews improve the sales on your site. Some of the changes in your website help to develop the e-commerce shopping experience on your site. Here we provide the simple way for improving the user experience to your website.
 Invest in functionality website

 Create the mobile friendly website

 Website speed

 Consider the customer live chat

 Free shipping

 Older the product review

 Offer various payment methods and others

These are useful tips to enhance the user experience to your site without spending more money.

card payment strategy

Card Payment Strategies Merchants Should Implement Now

February 19, 2018 admin

Debit and credit cards have highly increasing become the preferred methods to pay for goods and services. As a merchant, we should be up to date with the current technologies and strategies available in the market. It is because when it comes to making an online payment, ease of access and security directly affect sales.

Keeping with the current advancements in technology in spite of the industry can be hard. The new payment gateway integration’s are one of the major areas, which we never let to get left behind, as offering security for our customers is a top priority. As a merchant, we should implement the most important card payment strategies now.

Importance of card payment strategies:

Developing and implementing the card payment strategy will help us perfectly plan for the upcoming years and keep speed with their competitors, as well as enhance their financial performance. Below, we mentioned some of the benefits of implementing card payment strategies now.
• Greater revenues

• Enhanced security over cash

• Minimized costs associated with the handling cash

• Improved reporting when compared with cash

Plenty of consumers are starting to use credit and debit cards because of its convenience similar to cash. Therefore, we must implement many new payment strategies to improve their comfort and flexibility in using cards.

List of payment strategies need to implement now:

We need to know about the following technologies and should work to implement them as well.

EMV cards:

The biggest vulnerability with the card payment is thieves easily get access to use magstripe information. It is because of the data on the black strip of the card is unprotected. Europay, Mastercard, Visa (EMV) chips are one of the biggest steps towards eliminating this issue.

RFID cards:

Radio Frequency Identification (RFID) is touchless card payments and it lets a card to recognize itself & make a transaction with no physical contact over a short distance. Apart from these, you can implement mobile wallets and NFC.

Card Processing Services, Credit Card Processing, Merchant Account, Online Payments, Safe card processing services

While Accepting Card Payments What Merchants Needs to Know?

February 17, 2018 admin

Do you have started a business? Do you sell the best products at a reasonable price? Thus, customers love your merchandise, queues snake far into a long distance, and grubby coins & crumpled notes are continually filling up your cash register? If yes, then it would be a perfect time to accept several different payment options. However, many business owners are still worry of the credit card and debit card processing machines unnecessarily. Here are the most important things you need to know about card processing and the reasons it makes your business sense.

Understand the basics of card processing:

Accepting cash always seems easy when compared to other forms of payment. It is because as a merchant you need some knowledge of the currency you are presently dealing with & a calculator. However, card processing can be a bit daunting for the merchants to understand its processing. Here is the quick summary of the card processing.
Merchant bank – Financial institution, which offers merchant account services to feature transactions to the bank accounts.

Card processor – Third party who takes on the merchant bank account responsibilities and facilitates card transactions & direct card details to the right merchant bank.

Issuing bank – Financial institution, which issues card (credit or debit) to consumers.

Card payment brand – Card brands such as MasterCard, Visa, and American Express.
Choose the best card processing option:

When it comes to credit or debit card processors, merchants have several choices to choose from. it includes traditional bankcard machines, QR code payments, and mobile point of sale systems. Out of these three payment options choose the right one according to your business. here are the key points for accepting card payments.
• Prefer traditional bankcard machine if your business is the large establishment along with traditional POS needs, customers are old fashioned and proficient to consign to the contractual agreement and time.

• Choose OR code payment when your customers are tech-savvy and young.

• Select a mobile point of sale if you wish to own the card reader by paying a fee rather than renting reader or committing to the contract.
Merchant needs to know things while accepting card payments:

• Firstly, you have to know that accepting card payment is going to charge you money. If it so, then avoid it completely and go for payment processing partner who offers you a break on fees.

• It is vital to know the major players in the electronic payment processing. Therefore, you will be aware of several types of charges your bank or third party will be used.

• Know how the card processor will help you grow your business. Your company plan to accept the card payment should also include more than processing and acceptance.

• Try to accept a plethora range of payment types to impress new customers and expand your business online.

• Most importantly, know which type of payment you must accept.

• Finally, know what hardware and software you require to accept card payment.

Online Payments

How to Expand the Online Payment Experience?

February 15, 2018 admin

Today many customers are using the credit card and mobile payment to find more experience on payment. Many business owners are optimizing online payment process to save lots of time. It gives more opportunity to the businesses to enhance the experience of payment. Rapidly most of the people are connected digital devices to pay off for goods. We offer excellent customer satisfaction service to find more benefits on this processing. We give valuable tips t to access your business in the global market and achieve success. Here we have described some tips to improve your online payment experience with the simple process.

Enhance security system:

You might acquire positive experience to increase security to process payment. Internet security is the important one to complete a transaction without issue from cyber criminals and hackers. Over the word, high range of people is using internet for various purposes. This security assists to safeguard your payment details from hackers. It makes you feel more secure on process payment on your mobile device. There is some security software avail to handle financial operations elegantly.

Decline payments:

You should avoid declining of payments. Credit card decline is largest issues to improve processing experience. There are many reasons to decline cards on your hands. If entry incorrect details of your credit cards, it makes breaks payment processing. You have to keep the contact information of the consumer on the purchased products. It also involves various payment methods that handled manually.

Consider more payment methods:

Most of the customer likes to found lots of payment options for purchasing any product. You have to offer more options to acquire high experience. It is a crucial part for a consumer to pick right payment choice to payoff products that they buy on your website. So, go through these points to improve online payment experience.

high risk payment processing

Allow Multi-currency Processing and Settlements for Risky Businesses

February 13, 2018 admin

The online shopping sites are growing popular in the market. The international customers are purchasing the products online. So the multi-currency payment is the perfect solution that allows the foreign buyers to purchase the goods easily. It is the simple way to improve the sales from the international customer. We offer different payment process solution to risk merchants. It helps to improve the sales without more effort. You can accept all country currency and improve the orders from the foreign shoppers by adding the multi-currency payment to the checkout page.

Get quick approval for risky business account

Are you looking for the best place for applying the risky business account? Then it is the right place. We have a lot of the experience in the field so we provide the first-class services to our customers. You can get the Multi-currency payment for your business that keeps your business safe. It helps to improve the payment process for your business. We provide 24/7 hours customer service for long-term satisfaction. With the help of the multi-currency account, the business owner can display the product price in currency there the customer is located. We provide the affordable multi-currency processing and settlements to our clients.

Benefits of Multi-currency payment

The Multi-currency payment is the great feature of the online store gateway. It accepts the payment process and receives the settlement in the currencies choice. You can gain more benefit by using the Multi-currency payment such as improve sales, reduce expenses of processing, great cloud reporting, automatically load balance and others. The multi-currency account helps to load the balance automatically. The Multi-currency Processing with the international retailer account reduces the processing expended and foreign currency exchange risk. It provides the best online shopping experience to the international customers.

payment gateway Solutions

What is Payment Gateway? And how do it Works

February 8, 2018 admin

Payment gateway is the e-commerce application by merchants permits payments for online sales, and provides you to accept the credit card information over the internet of your beloved customers. Nowadays payment gateway is a highly securated tool to accept payment Online. It acts as an intermediary between the customer’s bank issuing credit card and the payment processor company.

HOW DO PAYMENT GATEWAY WORKS?

Payment gateway an strongest tool in website that transform information between a payment portal.

It works normally as a customer pay in a restaurant or the mortar/retail store he shops. But the payment gateway is also simple and kept straight forward to the customer who will be making the payment.

Following are the steps by which payment gateway works

Step 1– A customer browse on the e-commerce website and he place the order as he likes the product. and enter the card information.
Step 2– The customer then fills the necessary details on the available site. The encrypted data is first being transmitted to the merchant business with the proper order confirmation.
Step 3– This encrypted data is then send to the credit card association like visa, master card or any other credit card company. This company charges an interchange fee for the per transaction.
Step 4– In this step the transaction is approved or denied which means the card number entered by the customer is proper and it has enough funds so the transaction can be processed.
Step 5– In this step transaction is being authorized. The credit card company that is the issuing bank sends the confirmation to the payment processing network company.

The authorization starts with a credit card issuing company then back to the merchant business. Finally goes back to the e-commerce website through the payment gateway.
Step 6– After all this steps as it takes matter of seconds within 24 to 48 hours funds are been transferred to the merchant account.

WHY DO I NEED PAYMENT GATEWAY?

If you are running your business online you will definitely require the payment gateway to accept the credit card payment over the internet. Because without payment gateway you will be unable to process the transaction or charge your customer.

Considering payment gateway it is the situation where “card is not present” for the transaction. The customer will enter the relevant details of his/her card but the merchant will not be able to see a single

payment gateway Solutions

Reasons Why You Cause High Bounce Rates On Your Website

February 5, 2018 admin

Ever wondered what it is that causes a high bounce rate on your portal? We have that answer for you. The bounce rate on a website is caused by multiple factors and not just a single one. Let’s now discuss some of these factors that are giving your website a high bounce rate:

Page Loading Is Slow

Let’s be honest, in today’s fast-paced life nobody seems to have an iota of patience left. If a website doesn’t open up at lightning speeds, people instantly lose interest and switch to another portal. There are several reasons that cause the loading of a webpage to become slow. Cheap hosting and oversized images are some of the many factors that cause slow page loading.

Too Many Advertisements and Offers

A web page that is overflowing with excessive advertisements and alternate offers tends to have an extremely high bounce rate. People who are looking for something, in particular, will not have the patience to deal with interruptions and ad offers.

Poor Grammar and Spelling Mistakes in Your Content

Another reason why a web page has a high bounce rate is that the content that it is carrying is filled with grammatical errors and spelling mistakes. Content that is impossible to understand or decipher can put a visitor off completely.

Offering Products and Services That Are Irrelevant To the Overall Theme of Your Website

Nobody enjoys visiting a fitness portal to find that the age creator’s idea of fitness comprises of diet pills and other unhealthy weight loss options. Make sure that visitors receive what they have come for and not unnecessary data and irrelevant products and services.

When creating an online portal or a web page, make sure that you offer smooth and advertisement free browsing to prevent a high bounce rate on your portal.

How to Avoid Heavy Bounce Rate

Check out Experience Should be simple and seamless

>on average 30-35% of people attracts with payment options you serve at your checkout page. Giving multiple payment options is the huge opportunity for merchants to suffer from low bounce rate. The checkout experience of a website should be simple. If not the customer opts to bounce and close the webpage in between out of confusion or frustration and could go to a competitor website. Seamless and flexible Payment option will lower the bounce rate and convert the customer into sales, but it could be unsuccessful if merchant failed to provide seamless and simple checkout page with multiple payment options.

Auto-fill

Customers enjoy to simply add the information, shoppers use either Android or chrome to shop from websites where the personal information is saved by Google itself. Giving Autofill option at checkout page help merchant to save the customer time and will make the shopping experience easy and hassle-free.

Secure Payment Options

Payment options are the most important structure of your website, this is only the thing where your customer have doubt. Use secure online payment gateway to ensure your customer that their personal information is safe with your gateway. If merchant use secure payment gateway services the customer will get the confidence to complete the transaction. Trust U.K’s leading payment gateway services provider Radiantpay as you get powerful PCI DSS level 1 gateway to encrypt all the stored data.

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Difference between mobile payments and mobile acceptance