Tag Archive | "Start Ups"

A Complete Mobile Wallet Solution May Be Coming Soon to Apple Users

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A Complete Mobile Wallet Solution May Be Coming Soon to Apple Users

If you look at the major players in the online world, such as Google, Facebook, Amazon, eBay (with their PayPal system), you will see that despite their different offerings they do have one thing in common. No it’s not their popularity, but rather the fact that they either have a mobile payment solution ready or they are seriously considering to develop one. Of course, it’s not only the big players in the online world that want some of the action. Banks and financial institutions, as well as mobile phone carriers are all trying to put something out. And of course there is the smaller start ups that hope to achieve popularity but that few have ever heard of.


But there is one company that has put out a unique concept for a mobile wallet solution: Apple. A new app has been released called the Passbook. What makes it different (at least for now) is that it doesn’t yet have the functionality to make payments with the iPhone at a point of sale, but rather it functions as a kind of virtual wallet, allowing the user to hold event & movie tickets, coupons, boarding passes, transportation tickets, gift cards, vouchers, points & rewards cards, etc. When a user is present at a participating retailer, the card can be brought up on the screen and scanned.


The app also combines the feature of location detection, showing the relevant card when a user is near or at a participating merchant. This concept has already been adopted by some merchants and more are expected to follow. But the main question remains here: when will Apple integrate full payment functionality into the app?


For now, in the United States, payment systems that are fully integrated with mobile devices are still something a bit “futuristic” and aren’t expected to reach a mainstream status until 2016 or later. Some merchants have began to upgrade their systems and infrastructure, but those who accept mobile payments are still in the minority for now.


Another issue is: will Apple be able to dominate the market? It is in the lead with the most popular smart phone and the most popular tablet PC. However, Android based hardware and devices are not far behind at the moment. There are some who believe that there will be two or more mobile payment solutions that will be popular in the next few years. They will all function on the same principle: the user presents their smart phone, where an app generates a secure, one use only bar code that is scanned, allowing the purchase to be charged to the user’s credit card, or deducted from an online wallet account that has been filled up in another way (bank transfers, payments received from businesses, person to person payments, etc.). Apple seems like a trusted solution however it is still not known how much of the market they will be able to corner in the payments industry, as this is something the company doesn’t have too much experience with for now.

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Online Business Security Tips: Part 1

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Online Business Security Tips: Part 1

Previously, we’ve seen some advice on how you can maintain a good amount of privacy when doing business online. There are many ways that you can avoid sharing unnecessary personal information with the companies that you do business with by using ways such as registering a business name, using a private mail box and using a separate phone number for your online business activities. But there are also some other things that you need to be aware of when you do business online: how to keep your online business safe from threats such as hacking and fraud. Here are some methods that you can include in your regular activities that will make doing business online safer for you:

  • Research your business partners (companies and individuals) carefully

Whether it’s joining a new affiliate network, signing up for a payment processor so you can make sales online, or hiring someone to develop a website or Facebook app for you, doing your due diligence can go a long way. Do some research on the person or company that you’re going to be dealing with. This can be as simple as doing a Google search to see if you can uncover anything about them online that would be negative, such as past disputes. When dealing with businesses, be careful of start ups and new companies. While they may grow and become a valuable business partner for you in the future, they could also go out of business unexpectedly. There are numerous complaints in webmaster and online marketing forums about affiliate programs that have shut down and left hundreds of people without any payment. This is why you should give priority to partners that have already built up a solid reputation online and who have shown they’re doing well for at least a few months.

  • Don’t re-use the same log in information for every online account that you use

When you do business online, chances are you will have a few dozen logins to keep track of, such as email services, hosting services, affiliate network accounts, payment processor accounts, etc. The smart thing to do is to avoid using the same user name and password for every single account that you use at different websites. The reason behind this is quite simple. Let’s say the database of an affiliate network is hacked and all the log in information is posted on public websites by the hackers. If you used the same log in information everywhere, there is a much bigger chance that hackers could access your other accounts and cause more damage. Therefore, your login credentials should be unique for every site that you use, even if this means that your password on each site is only slightly different by a few characters from those that you use on other websites. You should also avoid writing down passwords or even worse, creating a text file on your computer with all the user names, passwords and site names written in plain text.

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Affiliate Programs and CPA Networks: How to Recognize and Stay Away from Scammers

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Affiliate Programs and CPA Networks: How to Recognize and Stay Away from Scammers

Many internet marketers make their money by dealing with affiliate programs or with CPA networks that have various kinds of offers they can push in order to make money. Most of these companies are legitimate and will pay you the earnings that you have made on time, every single time. But there are a couple of bad players in the industry. Here are some ways to spot and avoid them:

  • Do some research first

Before even signing up for a network simply doing a Google search for their name can bring you a lot of information about the company. You will often find blog posts, forum posts and articles that mention them. Read these. See what other internet marketers are saying about them and look at whether the general opinion is positive or negative.

  • Be wary around “start ups” and smaller networks

If a company has not yet established their reputation in the industry, remember that things can go in two ways with them. Either they will grow to become a productive and successful network or they will fold. If it’s the second thing that happens, things are not likely to be pretty. There have been several cases of networks going under and skipping out on tens of thousands of dollars of payments to affiliates. The large majority involved CPA networks which were operating for less than a year.

  • Be careful around networks who seem to approve everyone

While there are some notable exceptions to this, such as Commission Junction and ClickBank, which are very reputable networks, as a general rule you should be quite wary around a network that seems to approve every publisher that applies without giving them a phone call or emailing them to ask them about their marketing methods. While you may think it is convenient, this can cause problems down the road, if large amounts of fraudsters manage to sign up and merchants start dropping the network.

  • Carefully check the terms of any offers that you run and ask questions if necessary

This is especially the case for “trial” or “membership” offers. While you may be offered a good amount for every sign up, some merchants have been known to use underhanded tactics if not enough of the sign ups that you refer have converted to full members on their end. Some may falsely accuse you of sending fraudulent leads or deliberately using bad quality traffic and refuse to pay you. For this reason, it is very important that you check the terms of the offer to see if the merchant has any special requirements with regards to the type of traffic you can send and its productivity.

  • Work with multiple networks and run different offers

It is not a good idea to focus all of your marketing efforts for the month on just one offer or on offers from only one network, no matter how profitable they may seem. Spread out your traffic around several different offers in the niche on different networks. That way, if there is any problem with one of them, you will still be getting paid by the others.

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Adsense Alternatives – Choosing The Right Network

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Adsense Alternatives – Choosing The Right Network

When it comes to being a publisher of pay per click ads on your website or blog, everyone knows that Google Adsense is the leader in this field. However, even though they are the largest and most popular company that you can partner up with, they are not the only ones in the game. There are plenty of other advertising networks that you can deal with instead of Adsense.

While it is perfectly fine to seek some alternatives, you should deal with established networks that have a good reputation within the webmaster community and have a positive track record. Sure, even the biggest companies in the internet world such as eBay, Google and Yahoo at some point were little more than start-ups created by bright entrepreneurs. But as a webmaster, your main goal is to make sure that you get paid fairly for the traffic that you send.

Unfortunately, many start-ups in the online world have never gotten too far off the ground before crashing and burning. If this happens, instead of getting paid you can expect to get a “Oops, we’re bankrupt so we have no money to pay you. Sorry :( “ type of message. Some networks have also been exposed as rogues and have engaged in practices such as deliberately not counting valid clicks, changing their policies frequently when it suits them or constantly finding excuses not to pay their publishers.

Here are some things to look for when choosing a network:

Length of time they were in business.

The longer a company has been active, the less likely it is that they will simply vanish overnight.

Reputation within the webmaster community.

Read forums, blog posts, guides, etc. and see what other webmasters have said about them. Of course, EVERY company will have some detractors or people who have had bad experiences with them. So the idea here is to see what the general opinion about them is. If you see lots of posts from people complaining about not being paid, or the company engaging in shady practices, it is a good sign that you should stay away.

Payment terms.

What is the minimum payment amount? How often do they pay? What payment methods do they offer? Those are all very pertinent questions. After all, you are putting up ads on your site to make money, not because you think online advertising is “cool”. Look this up on their site or in their terms and conditions before signing up. It may avoid you some bad surprises later on.

Any specific terms and conditions that may apply to you.

Do they accept webmasters from your country? Many networks exclude certain countries from joining. This is not because they “hate” you… but due to high amounts of click fraud originating from certain parts of the world. Do they have restrictions on the type of content you can have on your site? Etc. Make sure you read the rules thoroughly and comply with them. You definitely don’t want to give a network an excuse to ban you.

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