Category Archives: Payments

Consumer Information, Consumer Services, Financial Services, Internet, Payments, Services

Make best use of Online Banking and stop wasting time

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NEW YORK, NY, USA, 2018-Sep-26 — /EPR CONSUMER NEWS/ — Most of the systems we are already used to, we do not know how they work, for we are always thinking we know enough that they work and we trust them. But honestly, do you think you know enough about online banking? Here you will find some facts that might be useful for you to know!

Here you will find useful information you will better have on mind, and also excellent reasons for using online banking services and some advices for being always safe and security.

Sometimes if your internet connection is not that good, it might be hard for you to access to your bank through your conventional online banking portal, so these online banking apps and services might help you to access in an easier, lighter and safer way anytime you need!

Online Banking – When and how did it start working?
Did you know it? The first online banking systems that gave origin of the ones you use today EVERYDAY were introduced in the early 1980s in New York when four of the national banks started offering the revolutionary home banking services, allowing the clients and small businesses to have a quick online banking check.

On the same way, the online banking started also on the United Kingdom around those years when the Scotland Bank and the Nottingham Building Society provided the Homelink service for giving their users the opportunity of viewing bank moves on a computer.

But it was only until 1994 that the banks around the entire globe started using the internet for posting their advertises, and then in 1995 they started offering to the clients the possibility of managing their money online through a home computer, and this came to be the online banking of nowadays.

The greatest benefits of using the Online Banking
As everyone knows the major benefits of using online banking are mainly two: security and comfort. With the online banking services you can make all your money-related operations without needing cash or personally going to the bank.

Paying your services with no delay
These services might help you regardless of your bank, they will help you to manage all your bank moves for having an easy, confortable, secure and practical administration of your money, you can make routine pays like paying electricity, water and gas services without losing any time of your day.

Your pays to third ones can also be made much easier with these online banking services, for they will offer you an easy platform where you can quickly see and control your bank accounts.

Manage all your accounts and save your time and money
These services might also help you if you manage more than one bank account, so you can control your money in any of them more easily and in a more ordered way. You do not need to waste any passage fees anymore if you do not live close to any bank, you can make all your processes from your home computer or even with your Smartphone.

It is really easy to look by yourself if you prefer right now, on Google Play Store for these apps for the one you prefer the most, we just advice you to read enough about each app of services and be aware of the reviews to know if it is safe and if it has the functions you need.

Most of these online banking services also have apps you can download for always having a control of your money in your pocket. You can pay the balance of your telephones, your internet service and the rent of your home (if you have to) through online banking.

Risks and security advices while using online banking
If you are already an online banking user or you are considering being one, here are some advices to keep security, for there is no infallible system and you can help these to be safer and securer. What you can do is always good for making sure your security and your money’s.

Many online banking services keep you safe with logging you out every time you finish your operations, if you close the app or delay too long in doing something in it, it might close your account for your security, so you better remember always your user name and password.

It is not recommendable to have your password written in a paper or in any digital way inside your phone, always protect your device with a locking pattern, or even better, a password or a PIN code, these last two methods are more efficient and safer than the pattern that could stand marked on the screen of your smartphone.

Install a VPN app for your security
Sometimes when you connect to the public WiFi and start making your bank moves from your smartphone or laptop, there are hackers who are connected to the same network that you are, and they can hack your information even from your online banking accounts, everything you send could be intercepted by them.

The makers of the online banking services and apps nothing can do against that, but you can! There are some programs or apps that are known as VPN. What are the VPN programs and apps? The letters are for Virtual Protected Network, and it makes that all your information is encrypted and it makes it harder to be hacked and intercepted.

If you protect your phone and your laptop with VPN programs, the hackers will have it MUCH harder to intercept your data and force your online banking accounts.

Follow carefully all of these advises and your online banking account, passwords, and information will never be hacked! You can then research by yourself and keep reading for having enough knowledge about the system of online anti-hacking security you are willing to install and make use of.

At this moment me do not recommend you one specific VPN app or program, we just let you know about its existence and we strongly advise you to start researching about them, so you can find exactly the one you need for your phone, or your laptop.

Do not waste any time or disk space on installing a program that is too heavy and has too many features that you do not actually need, just look for the program you do need.

It is also recommendable that you read carefully every contract of terms and conditions and politic privacy of the apps you install and the programs you use in your laptop for applying the online banking services.

Benefits of online banking
If you have no fear to innovate and start tasting the great advantages of adapting to the new technologies, then, you will make good to start trying new systems of online banking like apps and webpages that are quick and easy to access, you will see in your own experience the next benefits:

First of all, you will reduce the time spent in executing financial operations. Only thing you need to do is to be connected to the internet from your home, your office or any mobile web (remember to use VPM systems to protect data), and then you will have all your money in your hand, easily manageable.

Have your bank at the reach of your hand
Make your bank moves from everywhere you are, you can do it from your laptop or your smartphone, only thing you need to do is to have internet access and then you can review your account state, transfer money and pay fees. Usually, these mobile online banking services are free and the only charge you could get is with your mobile company and the kind of plan you have contracted.

You can make more than one banking operation: moves, credit card pays, pay of services, recharge your air time and according to specialists, 20 per cent of people access to online banking through internet through these kind of mobile devices.

Keep the control of everything easily
You can have control of your money and account pays, and then stop losing any more time visiting the bank, with online banking aside of avoiding the printed account states, you can pay your accounts and maintain all your pay registries in only one place and very easy to find. If you prefer, you can also program automatic pays using your credit or debit card, like the pays of your services of water, electricity and telephone.

Stay safe with your money
Security with your operations is supported by your username and your personal unique password (and this is one you can change periodically), and also you have the token, that is a numeric code that changes every 60 seconds, and that you have to introduce to connect to the online banking.

Many online banking methods also work with security images, which are unique and are impossible to be identified or distinguished by a computer, so it cannot be violated with robotic systems.

Contact-Details: martin.soto@dahseo.com

Via EPR Network
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Business, Consumer Services, Financial Services, Payments, Retail Trade

DIRECT CONNECT CONTINUES TO ACQUIRE SALES OFFICES WITH PURCHASE OF FLORIDA ISO

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CHANTILLY, VA, March 15, 2016 — /EPR NETWORK/ — Direct Connect today announced that it has acquired another payment processing sales portfolio, Merchant Processing Solutions (MPS) in Fort Lauderdale, FLA.

direct connect logo

This transaction is part of Direct Connect’s commitment to growth through acquisition and is the company’s sixth acquisition since being recapitalized by The Beekman Group in 2015.

MPS provides merchant services to more than 500 restaurants and retail businesses across the United States, with more than $100 million in annual processing volume.

Owned jointly by Yamilet Strauss, Claudia Mosley and Diana Lizarazo, the independent sales organization (ISO) is a perfect fit for the Direct Connect business model: it is an active retail ISO acquiring merchants on the First Data platform, but it needed the financial and technological infrastructure and support to compete in today’s rapidly-changing payments infrastructure.

“MPS has grown successfully because of their people, and their top-down commitment to providing service and support to customers,” said Matt Clyne, Direct Connect’s CEO. “Direct Connect adds financial strength and stability, state-of-the-art technology and highly experienced human resources to the mix, making for an unbeatable combination and assured growth for MPS.”

Clyne said Direct Connect purchased five companies in 2015 and has already laid the groundwork for three more acquisitions in the first half of 2016. Direct Connect continues to actively seek out sales offices with low attrition and a commitment to the highest levels of service and support.

ISOs interested in investment capital or acquisitions opportunities are invited to visitwww.directconnectps.com or contact the company at 800.747.6273.

“We intend to be a very active buyer in the marketplace,” Clyne said.

About Direct Connect
Based in the Dulles Corridor of Northern Virginia, Direct Connect provides innovative technology and payment processing services to businesses across the United States and Canada, including retail, restaurant, government contractors and service industries. Through a robust partner program, Direct Connect works with financial institutions, non-profit organizations, associations and software developers to incorporate payment solutions and enhance customer service. With a 20+-year history and more than 25,000 merchants in its portfolio, Direct Connect was recapitalized in 2015 by The Beekman Group, a New York City-based private equity firm positioning us well to meet the ever-changing demands of the industry.

Contact-Details:
Nancy Drexler, Acquired Marketing
ndrexler@acquiredmarketing.com
917-743-5258

Via EPR Network
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Bad Business, Business, Consumer, Consumer Services, Payments, Services

Johnson, Morgan and White says that the holidays are recovery time

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Recovery firm Johnson, Morgan & White (JMW) reminds business debt holders that the holidays are often a boon for more than just retail sales. Many businesses see much of their annual profits coming in during this time of year and are more willing to work with recovery efforts.

Johnson, Morgan & White CEO and President Robert G. Cooper says that consumer spending the trickle-down effect it has on many businesses, not just those in retail and supply, can mean a higher likelihood of debt recovery this time of year.

“Many businesses have had a rough year this year,” says Cooper. “A slow economic recovery, lackluster consumer spending, and political strife have all been bitter pills to swallow for many businesses in Boca Raton, Florida, and the nation. The good news is that the holiday season is often when many business, from retail to supply to services and more, will see big income spikes. This can mean a good chance for debt recovery as those businesses try to clean the slate for the new year.”

Last year, Johnson, Morgan & White collections were up, despite a less amenable economic outlook, and speed of recovery – the time from first contact by a collector and payment – was nearly double in the fourth quarter.

“Most creditors can expect a higher chance of recovery this time of year,” says Cooper. “It is, however, a delicate process and outstanding debt that has not been collected can often be better serviced by a discreet, professional third party. This often saves business relationships and speeds up collection times.”

The holidays aren’t just a time to celebrate with friends and family, they can also be a time to lift the worries of debt and look forward to a new year.

Via EPR Network
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Business, Consumer, Consumer Information, Consumer Services, Financial Services, Internet, Payments, Services, Shopping

As The Credit Card Industry Suffers Revenue Losses, Consumers In Need Of a New Line of Credit Option

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Overall, the credit card industry earned almost 6% less revenue in 2011 than during the previous year, in large part due to a decrease in the use of credit cards by shoppers and, as a result, less revolving credit that can be subjected to interest charges and fees. While come consumers have made a conscious effort to wean themselves off of spending on credit cards in an attempt to get a handle on their personal debt, others were forced into a credit card-free lifestyle during and after the Great Recession when many card issuers terminated the accounts of risky borrowers. Recent years have seen many lenders competing fiercely amongst themselves in order to pursue only the most creditworthy individuals.

Now with the nation’s economic situation slowly but steadily improving, credit card issuers are feeling more comfortable about relaxing their underwriting standards. This, combined with their acute need to acquire new cardholders in order to shore up some of their revenue losses of late, means that many lenders will looking beyond those with good and excellent credit scores in 2012. This opens up a whole slew of opportunities for people with less-than-perfect credit histories as they can reasonably expect lenders to increase their offering of credit cards for fair credit.

Consumers should beware of rising interest rates on borrowing as credit card issuers flounder to recoup some of their loss of earnings. In fact, experts have reported that going in to the New Year, the average interest rate on consumer credit cards is 15.14%, higher than the 14.75% APR that was the national average just six months ago. One option for consumers to find temporary reprieve from high interest rates is to look into 0 balance transfer credit cards which, when used wisely, can be an invaluable tool when it comes to handling debt.

Credit card companies are going to have to come up with some hard and fast ways to up their revenue over the coming year, whether they resort to raising interest rates, laying off employees, making more unsecured credit cards for bad credit available, some combination of the above or employing another technique altogether.

Via EPR Network
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Welcome to EPR Consumer News

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