As mobile and e-commerce on mobile continues to grow, the availability and importance of accepting mobile payments is increasing as well for all businesses. Whether it is accepting credit cards in the field, paying with smartphones or the transfer of cash – all businesses need to consider this option to keep up with the times. The market for mobile payments continues to grow and today there are a myriad of  options to consider.  Below are a look at some the options available.

PayPass from Mastercard lets your business accept fast payments through an

NFC-enabled point-of-sale (POS) terminal. Customers can tap their NFC-enabled credit card or smartphone over the terminal to make a payment. Having a PayPass terminal in place at your register will allow your business to accept many forms of contactless payments, not just those made with MasterCard. Google Wallet and ISIS Mobile Wallet both can be used with PayPass readers. MasterCard does not charge vendors additional usage or transaction fees for the PayPass system.

Square: From Twitter co-founder Jack Dorsey and Jim McKelvey, Square is a good solution for those who only occasionally need mobile payment processing.  Square links directly with your bank account and accepts payments from all major credit card companies. Its transaction fee is 2.75%, but with no additional monthly fees, you could end up saving money with Square if you don’t use it regularly.

PayPal Here allows business owners much more flexibility. With this app and accompanying hardware, your customers can pay using their debit cards or even their mobile PayPal account. Card-free transactions are simple. Customers check in with your business on their mobile PayPal app and then transfer funds to your account to settle their bill. The cost per transaction is 2.7% of the final sale, and there are no additional setup costs or monthly fees. PayPal Here accepts all major credit cards and is a good choice for businesses that want to offer their customers different ways to pay.

Google Wallet allows businesses to accept payments both online and in-store. If your business already uses a payment-processing service online, Google Wallet can be integrated with the service for no extra cost. Or, you can use Google as your new payment processor, with transaction fees starting at 1.9%. This payment option is good  for businesses looking to cut back on in store wait time or those wanting to grow their online customer base.

Visa’s PayWave allows customers to make contactless payments at a business’ POS terminal. To start accepting contactless payments, businesses can either purchase a new, NFC-enabled POS terminal from Visa, or buy a peripheral NFC reader to add to their existing terminal. Business do not need to purchase multiple NFC readers from different credit card companies. Visa, MasterCard and American Express all issue NFC-enabled cards and devices that use the same radio-frequency technology.Visa also offers a digital wallet — —that allows customers to store all of their credit card information online for safe and simple checkouts.

Other options include: LevelUp, ROAMpay, ISIS, mPowa, PayToo, globalVcard,  Go Payment and MCX.


SSL means Secure Socket Layer.  The certificates are used to secure websites so that third parties cannot intercept information transferred between your computer and their website.

Here is how a SSL works: Every SSL Certificate is created for a particular server in a specific domain for a verified business entity.  An SSL Certificate is issued by the Certificate Authority (CA), a trusted authority.  When the SSL handshake occurs, the browser requires authentication from the server.  A customer sees the organization name when they click certain SSL trust marks (such as the VeriSign Secured™ Seal) or use a browser that supports Extended Validation. If the information does not match or the certificate has expired, the browser displays an error message or warning.

SSL certificates are usually used by e-commerce businesses, banks and other operations that involve credit and debit card transactions. SSL certification is a must in these cases, to keep financial details safe as it is being transmitted. Without an SSL certificate, hackers could easily access and misuse personal information.

An SSL certificate can and should actually be used by any website that uses a form or other method to transmit information. From a simple e-newsletter sign-up to an account login, any transmission should be protected by the basic security offered by an SSL cert.  If you use FTP to transfer files, use any shared work flow or project management software you should also consider getting an SSL certificate.

SSL certificates protect your control panel login, network traffic, any transfer of files, databases and much more. Basically, if your website collects or handles any information you want to protect from hackers or intruders, you should purchase
SSL Certification.


Every site needs a hosting company for their website to appear on the internet.  Often times people start with one host and stay with it even when the service is poor or more importantly the services no longer fit the needs of the website.  Many times a site’s traffic grows or becomes more complicated and the current host provider no longer has the form of hosting necessary to do the job correctly and efficiently.  If any one of these fits your situation you should consider changing your website host.  Changing hosts can be beneficial provided you investigate properly where you are going to and follow several important steps in the process.

Research potential website hosts.  Make sure they have the proper services that to host your business. Once you find a quality website host that fits your site’s needs there are several things you should do before making the switch to avoid the any issues.

Start the process of switching by backing up your entire site.  Using a basic FTP program or a web browser download all your current files including graphics, html files, etc. making sure to keep the exact directory structure as it was on your current web server.

If something happens and you lose your files, you will be sure to have a back up copy you can use to restore. It is best to manually back up all your files in case there are incompatibilities between your existing host and your new one. Make sure to budget ample time for the back up to run. You may be surprised how long it takes to back up all of your files.

If you have a database back up your database by transferring it to a local machine as well.  Make a note of what type of database your information was stored in. This can be different depending on the type of database setup that is running on the hosting company; some companies provide multiple database solutions and others just one.

Upload up all of your site files to your new host using temporary login information, most website hosting companies can provide you this information prior to your domain name resolving to the new account. It is a good idea to set up all your email accounts as well. Although they won’t have resolved yet, it’s one less step you’ll have to worry about later.  Be sure to test everything before actually changing.

Next you will begin the transfer of your domain name record. Through whatever registrar you used to have your domain registered, request a name change. The only thing that really needs to be changed in your record is the name server information. If you do not have this information, just email your new hosting company support and ask what their Name Server information is.

You should get confirmation emails confirming the change to the domain.  It will usually take between 24 – 48 hours for all the domain name servers (DNS) around the world to get the updated information that your domain has a new location. Once this is complete, you can then contact your previous hosting company and cancel your hosting contract or service.

Changing website hosts is not very complicated, but it takes a certain amount coordination and synchronization. dzine it offers top of the line hosting on our dedicated servers located in Michigan.

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