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How to Protect Your Business from eCommerce Credit Card Fraud

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Ecommerce is growing at an alarming rate. While there is nothing new to the concept of names like Amazon.com and Jet.com wiping out retail locations around the world and killing ‘mom and pop’ businesses, it should be noted that it’s not all bad for businesses owners. Instead of succumbing to the big name giants that dominated the world of ecommerce today, it’s actually become quite the level playing field and opportunity for anyone looking to create an online business of their own — especially with ecommerce and through the power of dropshipping.

However, there are many things an entrepreneur or marketer might need to consider when starting up their first online store. It’s not just about choosing the right products and knowing how to target to your audience, it’s also about using the right platform and always being sure your customer data is safe. Just as important, is making sure you know how to handle online payments and make sure credit card fraud isn’t a disaster lurking around the corner.

Just like most of us are already aware of how affiliate networks can get wiped out if one big advertiser doesn’t make a payment or goes belly up on payments owed, the same can be said of a credit disaster for an online store. It’s sad to say, but one good run of chargebacks against your ecommerce store could put you out of business. This is why preventing e-commerce credit card fraud is of paramount importance.

Adhering to the policies below will help you protect your business.

1. Maintain PCI Compliance

The Payment Card Industry Data Security Standard (PCI DSS) is designed to ensure the safest possible environment for credit card data. The standard includes precautions such as changing factory default passwords on all network equipment and establishing a firewall between your Internet connection and any system that stores credit card numbers.

2. Implement Transaction Velocity Limits

Yes, this means you’ll be limiting your customers to a set dollar amount in purchases each day. (What merchant in their right mind would want to do that—right?) On the other hand, you’ll also minimize the potential take, should a fraudulent transaction make it past your safeguards. (What merchant in their right mind wouldn’t want to do that—right?)

3. Require Two-Factor Authentication

In most cases, when a thief gets a customer’s credit card information, they do not have the Card Verification Value (CVV) data. This three- or four-digit number, printed on the back of credit cards, is a secondary authentication method to prove a customer has the card in their possession. The PCI DSS prohibits storing this information alongside the credit card number and cardholder’s name. In fact, best practices recommend not storing it at all, but rather asking the customer to provide it with each transaction.

4. Monitor Transactions and Reconcile Them Every Day

The fastest way to spot fraud is to know what a typical day’s transactions look like. Reconciling your accounts on a daily basis trains you to spot anomalies. The sooner you notice something is amiss and take steps to do something about it, the better chance you have of apprehending the culprit. You’re looking for red flags such as mismatched billing and shipping information. Pay attention to the physical location of customers to ensure it matches the information provided too. Some online store hosting can help you in this regard by tracking orders automatically.

5. Use Tracking Numbers on All Shipments

You will occasionally run into less than scrupulous customers who will try to claim a chargeback on the grounds their products were never delivered. Tracking all packages and requiring signature confirmation on orders above a certain dollar amount will thwart these perpetrators.

6. Keep Software and Platforms up to Date

Make it a point to install software updates as soon as they become available. In most cases, they’re issued in response to an incident, or the discovery of a potential threat. Similarly, always keep your anti-malware and anti-spyware up to date. Given the nature of what you’re up against, only business-grade products will do for these tasks. The consumer stuff isn’t robust enough to adequately protect financial data.

7. Force Customers to Use Strong Passwords

Set requirements including numbers, letters (both lower- and upper-case), and special symbols for repeat customers who want to establish accounts. Do not permit the inclusion of any of their generally available information as part of the password.

8. Instill Employee Security Consciousnesses

Employee passwords should be just as strict (if not more so) as customers’ login information. Train them to spot potential fraud and empower them to stop a transaction if something feels amiss. Do everything possible to help them understand how fraud can cost them their livelihoods and how important their vigilance is for the health of the business.

9. Maintain a Gallery of Rogue Attacks

Keep a file of all attempted (and successful) breaches. Use these incidents as teachable moments, so your people can avoid falling victim to the same scam twice.

Preventing e-commerce credit card fraud is essential to protecting your business. There will always be people out there willing to work harder to steal than they would at a regular job. These tips will help you force them to move on to easier pickings.

It’s Not Just About Protecting Your Customers… It’s Also Your Business

As you can see, there are plenty of ways to put precautions in place to make sure your customers and eCommerce transactions are safe, but at the end of the day, you also need to remember this is your business and its reputation is on the line. The last thing you want is to lose the trust of your customers, and let word start to spread online about possible attacks or customer loss of data. These can be some of the most detrimental issues when trying to grow an eCommerce site on the internet today.

One of the best ways to get around many of these issues is to simply go with a trusted eCommerce platform that already has a payment platform, third-party security and customer management already in place.

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How to Make Money with CBD and the OnlineRXMasters Affiliate Program

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No matter where you look, everyone is talking about CBD and the hemp industry. Whether it’s on the powerful and natural components of CBD, marijuana legalization, or how to get started with a hemp related business of your own… it seems to be a hot talking point every single day.

In reference to CBD, and why you are seeing it being advertised all over the place, it’s much like how Acai Berries got attention several years ago. However, the difference between the two is that CBD is a component of marijuana — but comes without the THC component (which is what makes you high). Without this component in place, it’s legal for sale online and in most health/hemp retail locations around the world.

As with any hot selling product, there is plenty of money to be made through the use of content creation, ad campaigns, and of course… affiliate marketing.

While CBD is getting a lot of attention, there are some strict guidelines as to who can sell, ship, and promote the product — even when it doesn’t contain any THC components. However, as an affiliate marketer, you can usually avoid most of these problems by simply promoting a trusted website or brand that is already selling such products.

With all of that being said, let’s now take a look at the OnlineRXMasters affiliate program, and how you can start making money with CBD related sales through their platform.

Introduction to OnlineRXMasters

When trying to make money with any type of offer online, it’s all about finding the right affiliate networks and partner programs to sync up with. Often times, it’s better to try and find an affiliate program that is focused in one niche market, versus joining one that just has thousands of offers that are all over the place.

With OnlineRXMasters, it’s all about health related products and CBD. You can learn more about their CBD affiliate program here.

Each affiliate on their platform will have access to the following benefits:

  • WIDE PRODUCT RANGE.
    OnlineRXMasters offers unrivaled opportunities to join the CBD trend and profit regardless of who your audience is. Whether they are into health, beauty, cooking, or pets care, they’ve got something in store for all of them. Not only do they have a number of categories to satisfy each customer, but also they offer an exhaustive list of CBD products to meet all needs and preferences.
  • OUR FULLEST SUPPORT.
    WhenOnlineRXMasters team up as partners, you’re never on your own. CBD affiliates instantly receive the compelling marketing materials, high converting localized websites and tried and true tools. In addition, you will be supported 24/7 by their professional team and get access to the fully transparent statistics.
  • EXCELLENT COMMISSIONS PLANS.
    OnlineRXMasters values their affiliate partnership and want it to work both sides of the street. For this reason,OnlineRXMasters have made their commissions extremely competitive and particularly rewarding. With this CBD affiliate program, the rates are always high, and the payouts are always timely.

After signing up for OnlineRXMasters and getting accepted into their program, you will then have access to their library of offers, where you can then see their top offers and associated payouts. Depending on volume and quality, you may be able to negotiate a higher commission with your affiliate manager.

To learn more about the program, their offers, and to see reviews and ratings from some of their active affiliates, be sure to check out their network profile on AffiliateFix.

How to Make Money with CBD and OnlineRXMasters

Before we start covering the basics of CBD and how to make money with it, you should first know a little bit about the industry. According to recent industry stats, we are looking at these numbers and benefits in the coming years.

As reported by RollingStone, “Experts have predicted that if the cannabis industry expands at its current rate, the American market will reach $20 billion by 2020. But it turns out that one market is spinning off into a mega-industry of its own: according to a new estimate from cannabis industry analysts the Brightfield Group, the hemp-CBD market alone could hit $22 billion by 2022.

And what we also know, is that CBD works for a number of reasons and has a wide range of benefits associated with it as well. Such benefits include:

  • Can Relieve Pain
  • Could Reduce Anxiety and Depression
  • Can Alleviate Cancer-Related Symptoms
  • May Reduce Acne
  • Might Have Neuroprotective Properties
  • Could Benefit Heart Health

Granted, CBD may or may not work for everyone… but people are very interested in trying it out as an alternative solution to whatever symptoms, pain, or expensive medications they might already be dealing with.

When it comes to making money with CBD products and sales, it’s all about the delivery of information to these audiences that are looking for more info, and then giving them a source where they can make a purchase.

There are several ways to start diving into this industry (while also providing value), such as:

  • Creating a CBD/health related website or blog
  • Running paid traffic and media ad campaigns
  • Starting a Facebook Group on CBD/health
  • Turning industry information into infographics
  • Converting free info into a guide and collecting emails

As you can imagine, it’s all of the usual affiliate marketing methods that will work here. It’s just a matter of knowing who your audience is, and how to target them.

How to Get Started with OnlineRXMasters

Now that you’ve taken some time to learn more about OnlineRXMasters and the many different offers and promotions they have in place, it’s time to join their platform and see how their offers might start working for you.

Once you’ve taken a look at the many different pharmacy and CBD offers they have available, it’s then time to decide on which you want to promote, and how. As mentioned, people are always looking for new information, coupons, brands, and learning tools when it comes to CBD and their own health. If you can build something that provides value to an audience, and offer a CBD product in the process, all the better. Throw some remarketing into the mix and you might be able to turn repeat traffic into additional affiliate revenue.

All you need to do is head over to their site, click on the “Sign Up” link, and wait for approval from their affiliate team. Once this is in place, you can then start promoting any offers on their platform, and also connect with the affiliate manager that will be assigned to your account.

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Affiliate Marketing

How to Create an Electronics Niche Review Blog in 5 Steps: A Complete Guide

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Are you planning to start a review blog in 2019? There are hundreds of niches that you can proceed with. For the sake of simplicity, this article will focus on one of the most lucrative niches at the moment – consumer electronics.

The reason is, consumer electronics products have turned into an essential part of consumers’ daily life routines. And whether it is a smartphone, laptop, digital camera or smart TV, people like to read online reviews before buying any product. It’s also a great industry to start making money with affiliate marketing.

It’s not just about selling digital products or reaching your target audience, it’s also about streamlining the process to create content, promote it, and monetize your audience in the process. With some dedicated time and focus, this is something that can be fully outsourced.

Even several studies and researches claim that online reviews influence a purchasing decision to a great extent. According to Search Engine Land, 84% of the people trust online reviews as much as friends. It simply shows that if you create an electronics niche review blog you can make a good amount of money.

This blog will guide you on how you can set up a review blog, what resources you will be required and what options you have to monetize your blog. But before that, let’s have a look at the growth rate of the consumer electronics market over the years. It will give you an idea of whether or not you should go with this niche for blogging.

Electronics Industry Over The Year

Today, the consumer electronics industry has reached to the peak. And according to different market researches, it is going to retain its dominance in the coming decades.

According to very popular market research and business intelligence portal Statista, the growth rate of the consumers’ electronics industry in the United States is projected to grow by 3.9 percent from 2018 to 2019. It will reach approximately 398 billion USD in retail revenue.

This research shows that in the coming years more and more people are going to invest in consumer electronics. If you can come with genuine reviews for consumer electronics, you can see your electronics niche review blog successful.

5 Steps to Create an Electronics Niche Review Blog with WordPress

Why WordPress? Your blog will require a lot content. According to W3techs, WordPress holds roughly 60% market share of the whole CMS market and it is best known platform for blogging. The industry around WordPress is mature. Whether it is themes, plugins, hosting or other tools – you will find more options to choose from than with any other platform.

1. Choose the Right Domain, Host, & Install WordPress

When it comes to starting an electronics niche review blog, the first step is to choose a reliable hosting company. There are a number of options to choose from. However, it is recommended that you read their reviews before making the final decision.

Hostinger, inMotion, SiteGround Bluehost, A2Hosting, etc. are a few popular names in the industry that are serving thousands of people across the globe. According to your needs, you may go with any of them.

Speaking of a domain name, it will be beneficial if you buy your domain name from your hosting provider. Some hosting providers offer free domain name with their hosting plan. When buying a domain also take care of domain age, domain authority, extension, etc.

Nowadays, most hosting providers offer a single-click installation option for WordPress. You just need to log into the control panel of your provider, and search for “WordPress”, select the domain name you want to install into and hit the “Install” button. It is as simple as that.

2. Pick A Review Site Theme

The entire appearance of your site depends on the theme you choose. Therefore, you should be extra careful when making the selection. Feel free to explore Google by searching ‘best themes for review websites’. As stated previously, there are A LOT WordPress themes to choose from.

Don’t worry, most of the review themes are easily customizable. So, anytime you can make changes to them according to your needs. With most review themes, you will be able to transform your simple blog into a stylish electronic niche review website.

If you don’t like above-mentioned themes, you can choose from a free WordPress theme repository. Make sure the theme you chose better represents your blog’s niche and is optimized for search engines.

Installing a WordPress theme is like a piece of cake. You simply need to go to your WordPress dashboard. There click on the option Appearance->Themes-> Add New. Next, click on the option “Upload” (available at the top of the screen) and then “Browse”. Now, you will be able to select your downloaded themes’ .zip file extension.

For in-depth information on WordPress theme manual installation, you may go through their official documentation.

3. Installation of the Essential WordPress Plugins

After installing a relevant theme your blog might be looking pretty now. But there are a few more important steps you will have to take to make your electronics niche review blog a fully functional, feature-rich and protected. And this can be done by installing essential plugins.

Some of the popular plugins you should definitely consider installing on your review blog include:

WP Product Review

The plugin comes with a setting section which allows you to choose how you want to manage and display reviews on your site. WP plugins make it easy to add a product review. You just need to choose the “Product Review” option when writing a blog. The plugin will automatically show you all the settings to write your review.

All in One Schema Rich Snippets

If you want your review posts to rank in search engine results, you should ensure that all your posts are in a proper SEO-friendly format. All in One Schema Rich Snippets plugin helps you write posts using the rich snippets format.

Rich Reviews

It is a free plugin that lets you add reviews of your own products, services, and website. Moreover, you can also ask your users to submit reviews. The plugins use shortcodes to display reviews – you can display your reviews anywhere on your site including on pages, posts, and sidebar.

Installing a plugin is as simple as installing a theme, you will hardly have an issue when installing these plugins.

4. Create the Essential Pages

There are a few essential pages you should create before you start publishing your reviews. Pages like About Us, Contact Page, Disclaimer, Getting Started etc. help you make your blog more trustworthy to your target audience.

If you want your readers to take your review posts seriously and follow your advice, your blog must have all the information your readers expecting to find. By providing essential pages on your site, you help your readers to get to know more about you and your website.

5. Start Publishing Relevant & Valuable Content

Always try to come with relevant and quality content for your audience. If you want to demonstrate to your readers that reviews you have presented are reliable, conduct as much research as possible before you start writing.

Good knowledge of the product, its features, evolution, and competition, help you write an approachable and expert review.

Here are some tips to create an effective review post for an electronics niche blog.

  • Read out the manufacturer’s website of product you are reviewing.
  • Conduct good research about the pros and cons of products. If possible compare them with their competitors.
  • Since people are looking for genuine experience with a product, it would be better if you can personally use that product.

Make sure your review posts are covering most of the concern of users. Common questions most people would like answered are:

  • Is the product user-friendly?
  • Is it of good quality?
  • Have other users a good experience with the product?
  • Is the product worth my money?

Try to write a review blog includes answers to these questions. Bonus tip – Google the brand or model that you will be reviewing and carefully check what other websites are talking about. First positions on organic Google are usually there for a reason. Check your competitors’ headings in the text. These are usually juicy keywords that users are searching for.

Top Ways to Monetize Your Electronics Niche

Once you have set up your electronics niche review blog, you need to find a convenient way to monetize it. Well, there are plenty of options out there that can get you a good amount of money. Some of the popular ones are mentioned below. You can choose anyone you find ideal.

Affiliate Marketing

Affiliate Marketing is one of the most popular ways to make money through blogging. Indeed, it is a kind of marketing in which you refer your readers to products and when your readers buy those products based on your recommendation, you get a commission.

Look for an affiliate program in your niche. You would definitely find so many consumer electronics firms that will be willing to pay you to review their products.

Google AdSense

If you don’t find a convenient affiliate program, you can go for this second option. Google AdSense is a program from Google that lets publishers display text, image, and video-based ads on their blog and in lieu they get a commission when a user goes through those ads.

There are two ways you can start earning money from Google AdSense:

Based on the Impression: In this type, revenue depends on page views. For example, for every 1000 page views, you earn a fixed amount.

Based on Click: When a user clicks on the ad on your site, you get a certain cut of the ad revenue. It may range anywhere from $0.01 to a couple of dollars.

Sponsored Reviews & Banner Option

If your blog receives a decent amount of traffic, consumer electronics companies may approach you to promote their products. You may get two types of requests in this case.

Banner Ads: These ads are just they sound like. You will have to place a product banner ad in your relevant review post. The business sponsoring the ad will pay you for keeping the ad up on your site.

Sponsored Reviews: When a business sends you their product and pays you to write a review about it, it is called sponsored reviews. Just don’t forget to follow Google Webmaster guidelines!

In addition to these primary methods to monetize an electronics niche review blog, you can look for other options as well.

What Makes a Good Review Blog

Creating a review blog and monetizing is not sufficient. If you want to beat your competition and make your blog popular, then you really need to make some efforts. Here are some tips that can help you create a good electronics niche review blog. You can also take a look at any of these top technology sites and see how they are creating valuable content for their audiences.

Know Your Targeted Product’s Features Inside and Out

Before you start writing a review, take your time to research every feature of the products. Try to explain to your users why these features are great.

Add Both Positive & Negative Reactions

A pros and cons section is an important feature of any good review blog. A review which is only positive or only negative may alert your audience and give them a wrong impression. Always be honest with your reviews.

Talk to the Manufacturers

If you want to stay one step ahead of your competition, don’t hesitate to talk to the manufacturers. It can be a good way to know more about a product. Sometimes, it can be difficult to contact manufacturers. In that case, you can refer their press releases on their product launch.

Put Yourself in Your Readers’ Shoes

Most bloggers make this mistake. It is good to present your own perspective when reviewing a product, you should think about your readership as well. Remember that, all your readers are not the same, they may have different points of views. So, always take this into account when you write a product review.

Tips to Promote Your Blog

Lack of right promotion is one of the reasons most blogs fail. Have a look at below tips to do it rightly.

Focus On SEO

From the day you start writing a review post, you should make sure you’re optimizing your content for search engines. Along with designing good content, you should focus on embedding the relevant keywords. However, you shouldn’t overdo it. Similarly, you should choose the relevant title for your blog that gives an idea to your audience what they are going to read.

Take Advantage of Social Media Platforms

Social media platforms such as Facebook, Twitter, Instagram, etc. can be a good source to get traffic on your blog. Share your posts on these platforms regularly.

It will be more beneficial if you can create a community of people who are particularly interested in your niche. For example, on Facebook, you can look for a group/page where people talks about consumer goods. Those people will be more interested in reading your posts.

Niche Bookmarking Websites

When you share your content in niche-specific sites, your blog generates more relevant shares and traffic. Reddit, Slashdot, Digg, Pinterest are a few bookmarking websites that you may find useful.

In addition to these methods, there are numerous other ways that you can try out. Conduct deep research and find out the one that is relevant for you.

Final Words

So, here is what you need to make your electronics niche blog successful. Remember that, it may take some time to get good earnings out of your blog. You will need to continue writing good content and promoting it on the right platform.

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Freelancer and Employee Payments: 7 Methods that Work Best

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Owning a small business is like herding cats. There are tons of details to keep track of and never enough hours in the day to get everything done. And one of the most important parts of any business is payroll.

After all, everyone wants to get paid! That’s why making sure employee payments get made on time should be a major priority for every business owner.

Let’s take a look at some types of payments you can use to keep your business running efficiently and keep everyone happy!

6 Types of Employee Payments to Consider

When you’re planning your business strategy, don’t forget one important thing: Your workers need money!

Employee payments extend further than just the traditional paycheck. Here are 4 types of payments that you can offer your employees.

1. Issuing Paychecks

This is traditionally the most universal method for making payroll payments. With paychecks, you don’t have to hand out cash, and employees don’t have to have a bank account.

For small businesses, providing a paycheck for each employee can be time-consuming, or you’ll need to outsource the process to a payroll service.

However, with more businesses using cheaper and automated digital solutions for payments, Paychecks are quickly finding themselves an ‘old world’ method for payments.

This is especially the case when being compared to other methods like Paypal and Payoneer.

2. Direct Deposit Payments

Each year more and more employees are choosing direct deposit as their payment type of choice. After all, they don’t have to do anything or worry about running a paper check to the bank on payday. The money goes directly to their bank account and is immediately available.

This is by far the fastest and most efficient way to get paid. The only thing that’s required of the employee is to be able to provide the employer their checking account number and the bank’s routing number.

Online payroll software like a fake paystub generator can streamline the process, and keep in mind that if you don’t have this kind of specialized software you’ll likely have to pay a small fee for each direct deposit. These methods are often used to verify income statements when setting up a new account or applying for a loan.

Overall, this process is simple, fast, and convenient.

2. Cash Payments

Paying your employees in cash is another option, but you’ll need to keep very good records because this can make the IRS suspicion about your taxes.

Many employees prefer being paid in cash because they don’t have to deal with a bank, and yet you are still required to take out taxes and maintain records of each payroll payment. There are really very few instances where paying employees with cash is the best option.

We all know cash is king, but when collecting payments online, this just isn’t a viable solution. This is especially the case when looking to hire freelancers or designers.

However, cash is still one of the most common ways to make or receive payments in smaller localized markets and 9-5 side jobs.

4. Paypal

For online businesses, SaaS platforms, and freelancers, Paypal is still one of the best ways to send and receive payments online.

The reason why Paypal is so widely accepted and loved, is that it makes the process of getting paid so easy.

With Paypal being the backbone for many global payments through platforms like eBay, Etsy, and millions of others — it’s a standard that is now accepted across all platforms.

For employees and businesses, making payments through Paypal is great for many reasons, such as being able to pay with a credit card, connecting payments to a bank account, and also using the Paypal Working Capital as a way to fund the company should it need a loan for growth or excessive spending.

Other benefits of using Paypal (for businesses, or as an employee) include:

  • Scale: A payments partner that can support your growing business and help you sell across multiple markets and platforms.
  • Conversion: PayPal is the most-used digital wallet. Shoppers complete their checkout 88% of the time on average, helping you close more sales.
  • Security and Confidence: Get the products that work for your business from a partner that offers Seller Protection and fraud monitoring.
  • Live Customer Support: You can speak with a live representative if you need help with the merchant services your business depends on.

Many of these benefits will also come in handy for freelancers and employees as well. Paypal offers a debit card and for payments to be deposit right into user’s bank accounts as well.

5. Payroll Cards

Payroll cards have become increasingly popular in recent years because you don’t have to keep up with cash, or print new paychecks during every pay period, and employees don’t need bank accounts to make the deposit.

The setup costs are similar to using direct deposit, but there are also advantages. Payroll cards allow an employer to simply load the money onto an employee’s card each pay period. This saves you money on the cost of supplies.

It also saves your employees from having to go to the bank, and the employee can withdraw money at any ATM at their convenience.

6. Payoneer

Similar to Paypal, Payoneer is another payments solution that is quickly being accepted by freelancers and employees around the world.

Some of the most common reasons and benefits why employers and freelancer enjoy using Payoneer as their financial platform include:

  • No bank account required for an account
  • Super fast platform for receiving payments
  • Withdraw payment to any local currency
  • Send money to friends and family without fees
  • High-quality customer support and user friendly

Payoneer is also very friendly towards affiliate marketing partners and companies that are working directly with site owners, affiliates, and bloggers. You can see some of their top payment partners listed below.

6. Venmo

With digital employee payments and transactions on the rise, Venmo is another name you are probably hearing a lot more in daily life.

Similar to Payoneer and Paypal, Venmo acts as a digital wallet that makes online payments easy, and also include the following benefits.

  • Pay from a bank account, major debit cards, or your Venmo balance.
  • Free to receive money.
  • Free to send money when using certain debit cards.
  • Freelancers can get money to their bank accounts within one business day.
  • Sign up with Facebook or email.

You can learn more about their platform by visiting their site and seeing if their terms and conditions align with yours as an employee, or a business.

Dolla Dolla Bill Y’all!

At the end of the day, we all want to be paid what we are owed — and at the time we are supposed to receive payment.

Employee payments are an essential part of doing business. These different ways to pay employees offer business owners plenty of flexibility. After all, every business has different needs.

Click here to see 5 effective methods to goal setting for business growth and success.

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