eMerchantPay LTD.
eMerchantPay LTD.

You’ve got scammed...



While countless online services and shops have made socialising, shopping, working, paying and playing so much easier, it’s exactly these things that make everyone that partakes in the aforementioned online activities susceptible to fraud. Crafty cyber criminals come up with new scams every day to cheat merchants and consumers alike out of their hard earned money. Of course you know about phishing, pyramid schemes …



eMerchantPay LTD.
eMerchantPay LTD.

10 Tips on How to Create the Ultimate Web Shop...



The ease of creating an online environment and running a web shop right from the comfort of one’s own home or garage has resulted in each Tom, Dick, Harry and Paula thinking that they can become the next Amazon, AliBaba or Zalando. Even though it seems easy enough, to become really successful, it takes a lot of hard work and sound strategy. As a …



eMerchantPay LTD.
eMerchantPay LTD.

Possible changes to the EU e-commerce landscape...



As a part of the Revised Payment Services Directive (PSD2), the European Banking Authority (EBA) has proposed to reduce risk and mitigate fraud in the payment industry by implementing passwords to authenticate payments upward from EUR 10. One of the repercussions is that payments in apps like Uber or web shops where consumers register their card are no longer automatic, but require a password …



eMerchantPay LTD.
eMerchantPay LTD.

Risk & Fraud Management Challenges Infographic...



Risk and fraud are a part of a merchant’s life as much as profits and customers. But how does one deal with credit card fraud, stolen identities and securing sensitive data? Our white paper ‘Risk and fraud management challenges within the payment industry’ discusses these topics in-depth. This infographic highlights the white paper’s most important findings. Share this image on your site Please include …



eMerchantPay LTD.
eMerchantPay LTD.

Get down with OTT...



Last week we presented our new tokenisation service, One Time Token. This service helps non-PCI-compliant merchants to collect card data on their own servers and to process payments securely. But what is a token and how does it work? During the tokenisation process, the primary account number (PAN) and other sensitive card details are replaced by a non-sensitive equivalent that has no meaning or …



eMerchantPay LTD.
eMerchantPay LTD.

EMV’s Not So Happy Birthday...



Last year on October 1st, EMV was introduced in the United States as a way to counter credit and debit card fraud in retail and to protect issuing banks against the liability shift. On its 1-year anniversary, we decided that it was time to check up on the implementation and share our findings with you. A quick reminder: EMV is a technical authentication standard …



eMerchantPay LTD.
eMerchantPay LTD.

Let’s get digital...



Maybe you have noticed it too, but a lot of blogs and other media have been mentioning the rise of online grocery shopping these past couple of weeks. This probably has something to do with the report that Internetretailer.com released earlier this month. This 2016 Online Food Report states that the online sales of groceries grew by 15% the past year and now accounts …



eMerchantPay LTD.
eMerchantPay LTD.

One size fits none...



A while back we wrote a blog about cross-border e-commerce. As you may remember, one of the main messages was that “one size fits none.” This means that when you have a global client base, you will have to cater to each target area individually and never simply copy-paste your domestic strategy to a new location. When we wrote it, we actually had some …



eMerchantPay LTD.
eMerchantPay LTD.

How to profit from shopping cart integration...



What is a shopping cart? A shopping cart is a piece of software that allows shoppers to view a merchant’s merchandise (products and/or services) on a web site and to buy it online. This makes actually setting up a shopping cart environment within your web site’s back-end the first step in making a profit with your web shop. Plug-in and go There are a …



eMerchantPay LTD.
eMerchantPay LTD.

What is a payment gateway and how does it work?...



As an online merchant, you have probably heard of payment gateways. But do you know what they are, how they work and why you need them in order to profit from your web shop? If not, don’t worry, because we have prepared the below video expressly for the purpose of answering these questions and then some. Video transcription What is a payment gateway and …



eMerchantPay LTD.
eMerchantPay LTD.

EMV: An American Tale...



In this video we will tell you what you need to know about EMV, the liability shift, smart cards and the benefits that EMV holds for merchants.



eMerchantPay LTD.
eMerchantPay LTD.

Beyond the Bitcoin: Cryptocurrencies explained [infographic]...



When you hear the term ‘cryptocurrency’, your mind probably immediately turns to Bitcoin. But did you know that there are many other cryptocurrencies out there? And that you can use cryptocurrencies for all kinds of purchases? With these digital currencies gaining more ground and the number of users rising, we felt that it was time to gather all the information that we could find …



eMerchantPay LTD.
eMerchantPay LTD.

The Video Gaming Industry: Facts & Figures...



There are few industries as exciting and innovative as the video gaming industry. New games are released every day, every year at least one console makes headlines and gamers can’t wait for virtual realty gaming to become mainstream. That is why we have highlighted a couple of interesting facts about this thriving trade in an infographic. Share this image on your site Please include …



eMerchantPay LTD.
eMerchantPay LTD.

What is an APM?...



If you are a merchant conducting (most of) your business online, you have undoubtedly heard about Alternative Payment Methods or APMs. But what is an APM? What is it an alternative to? And how, where and when are they used? Check out our video to find out! Video transcription What is an APM? An APM is an Alternative Payment Method. These payment methods are …



eMerchantPay LTD.
eMerchantPay LTD.

What is HTTPS and why should I use encryption?...



Most of us use encrypted communication on a daily basis without even knowing, noticing or even caring about it. You just want to login to Facebook, catch up on current events, watch a few cat videos on YouTube, check your email or download a new track from iTunes. What you don’t want is other people checking out your surfing behaviour and other personal stuff. …



eMerchantPay LTD.
eMerchantPay LTD.

What is a merchant account and why do you need one?...



Two of the most asked questions that we receive on our web site are ‘what is a merchant account?’ and ‘why do I need one?’ To answer these questions, we have created an instructional video: ‘What is a merchant account why do you need one?’ In this video, the abovementioned questions are answered, but that is not all. We also explain how the payment …



eMerchantPay LTD.
eMerchantPay LTD.

10 things you need to know about cross-border e-commerce in China...



From dominating the Silk Route to ruling the Electronic Highway. In this final part of our tetralogy on cross-border e-commerce (read our blogs on cross-border e-commerce in general, in the EU and in the USA) we would like to take you to the Far East. To The People’s Republic of China, to be exact. 1. China’s isolationism Around the time that our era began, …



eMerchantPay LTD.
eMerchantPay LTD.

The biggest online merchant pet peeves...



Merchants that are looking to accept online payments, need a payment service provider (PSP). PSPs help merchants by facilitating online transactions and usually offer a full suite of additional services like customised reporting and fraud-scrubbing tools to make the merchant’s life easier. However, sometimes, a PSP will put its own needs before the merchant’s and that is when the problem mentioned in our infographic …



eMerchantPay LTD.
eMerchantPay LTD.

Risk and fraud management challenges within the payment industry...



Accepting credit card payments has been a growing necessity for merchants over the past few decades. We have noticed a steady shift from Card Present (CP) to Card Not Present (CNP) transactions as an attempt by companies to enhance their online presence and improve customer experience. The latter has driven the payments industry to the introduction of innovative technologies involving contactless payments and various …



eMerchantPay LTD.
eMerchantPay LTD.

10 things you need to know about cross-border e-commerce in the USA...



Since we have presented you already with lists about cross-border e-commerce in general and a more localised list about cross-border e-commerce in the EU, we felt that it was time to venture farther into the world and see what is going on across the pond. Like we have seen with our most recent list on the EU, a lot changes when you focus on …



eMerchantPay LTD.
eMerchantPay LTD.

10 things you need to know about cross-border e-commerce in the European Union...



Last March we presented you with a list about cross-border e-commerce in general. What are the do’s and don’ts, how do you prepare your company for cross-border trade, what should you look out for, what are the global trends, etc. This month, we thought that it would be useful to present you with some information on EU cross-border e-commerce. Like we said in our …



eMerchantPay LTD.
eMerchantPay LTD.

How does Magento’s payment processing work?...



Magento is one of the biggest and most popular e-commerce platforms available. Due to its immense popularity with both individual and enterprise customers, it’s one of the most requested platforms for payment gateway integration. This blog is based on Magento’s Community Edition v1.9. What is Magento? Magento is a highly customisable e-commerce platform and content management system that is primarily used to build online …



eMerchantPay LTD.
eMerchantPay LTD.

10 things you need to know about cross-border e-commerce...



Consumers have become increasingly savvy when it comes to comparing goods and services online and knowing where to buy what, and often look outside their own country’s borders to get the best deal or that specific service that is not available in their country of residence. Therefore, online merchants are expected to sell and deliver their merchandise across the world, resulting in the global …



eMerchantPay LTD.
eMerchantPay LTD.

Wanna bet?...



Sports gambling, or ‘betting’, is a fun way of combining watching sports and making a little money on the side. One could compare betting to investing since it’s all about risking a certain amount of one’s own money on something one has no control over (when played fair) in the hopes of gaining a sizeable profit. That only few can escape the siren’s song …



eMerchantPay LTD.
eMerchantPay LTD.

Binary options trading: smart investment or gambling game?...



Binary options trading has been an active player on the world’s trading arena for quite a while, with its popularity and market potential constantly growing. Often considered as a simple and easy form of trading, the binary options industry has strengthened its position on the international market. What are binary options? The name itself suggests that there are only two possible outcomes – win …



eMerchantPay LTD.
eMerchantPay LTD.

How to create and maintain a stable Forex merchant account...



Finding an online processing solution and keeping your Forex merchant account up and running in the long-run can be challenging for any Forex business, and there definitely are certain guidelines that you might consider when deciding to start accepting online payments via credit cards or other electronic payment methods. Regulations and licensing Choosing the proper location of your business as well as defining the …



eMerchantPay LTD.
eMerchantPay LTD.

Choosing the most appropriate gaming payment system...



With the ever increasing popularity of the “world wide web” and it becoming accessible to a larger portion of the population, the online entertainment segment of the e-commerce industry has been gaining momentum at a rapid pace. One very significant portion of the segment is taken up by online gaming in all of its forms –from low-budget, easy-to-get-into games, to triple A, multimillion game …



eMerchantPay LTD.
eMerchantPay LTD.

In search of the right payment processor...



What factors should ISOs and Agents consider before working with a payment service provider? Payment industry knowledge, dedication to work, and excellent communication skills are the must-haves for becoming a successful ISO. The must-do, however, is to choose a trustworthy Payment Service Provider to work with. This is probably the most important decision for an Agent or an ISO considering the bewildering variety of …



eMerchantPay LTD.
eMerchantPay LTD.

Simple steps to reduce online shopping risks...



All these are pretty simple steps, but when neglected, you might easily get in big financial trouble. So, you type your credit card details on an online payment page and you might think that’s the moment when you lose control of where that information goes to.  Not exactly. There are some basic rules to keep your credit card details safe and secure. Try to …



eMerchantPay LTD.
eMerchantPay LTD.

So you have a merchant account. Now what?...



Read the first part on why you need a merchant account here. You already have a merchant account, why do you need one more? Naturally every merchant account can cost you financially and also in terms of the time invested in setting it up. There are however a number of reasons why you should consider a second account. It is a Backup plan Let’s say …



eMerchantPay LTD.
eMerchantPay LTD.

Ten tips for protecting your credit card details...



If something is familiar to you and convenient, then it’s easy to get unmindful and miss the hidden dangers in using it. This could not be more true than for using your credit card. We all know how easy and convenient it is to pay by Credit Card. There is no cash to carry, no change to stash in your wallet or pockets, and …



eMerchantPay LTD.
eMerchantPay LTD.

Boost conversion rate by offering alternative payment methods...



Online commerce is a huge market and is expected to rapidly grow in the next few years. Latest research shows that it was worth  $727bn in 2011, with the US the largest single country and is expected to grow by around 90% to become a $1.4tn market in 2014. From a payment industry perspective, this highlights the need to understand business and consumer needs …



eMerchantPay LTD.
eMerchantPay LTD.

The accounting pitfalls of cross-border commerce...



Cross-border commerce is a rapidly growing global market and an increasing area of focus for many businesses. However, there are complexities and challenges involved for merchants selling overseas. It is well known that more and more multinational companies are moving to a cost center accounting method. In a multi layered company structure ,and when goods or services are transferred internally, a transfer price should …



eMerchantPay LTD.
eMerchantPay LTD.

The difference between domestic and offshore boarding...



If you are a successful ISO or want to become one, then you need satisfied merchants. The easiest way for this is to offer customized solutions for each merchant. The best-case scenario is to engage with a payment processor capable of underwriting both domestic and offshore merchant accounts so that you enjoy an array of different services. Merchants may require offshore accounts if they …



eMerchantPay LTD.
eMerchantPay LTD.

How to avoid and handle chargebacks properly...



Disputes happen for a reason and you should take them seriously! The reasons behind credit card chargebacks should be analyzed carefully as they can show what you need to do to resolve the issue and prevent similar chargebacks in the future.  Here is what you need to consider to keep chargebacks as low as possible. Billing descriptor The way the company’s name appears on …



eMerchantPay LTD.
eMerchantPay LTD.

Facebook fan base – buy or grow...



The rapid growth of social media has become a marketing channel nobody can afford to ignore these days. With all the changes Google made to the search results becoming more social, this ‘branding’ approach has it’s place in the marketing world. Working as a SEO specialist in a payment service provider, I was recently bombarded with quite a few “special” offers for Facebook fans. …



eMerchantPay LTD.
eMerchantPay LTD.

How to profit from your website – 9 must-dos before you start?...



If you have a website with valuable content or you are into e-commerce, the next step is to start making money from it. How do you get there? Get your e-commerce merchant account by applying with an online payment provider. Read our article on why you need a merchant account here. The evaluation process with different payment providers may vary in certain requirements but …



eMerchantPay LTD.
eMerchantPay LTD.

Why you need a merchant account for card processing...



Are you operating an online store or offering products/services through your website? If yes, then you should definitely have an ecommerce merchant account with a reliable acquiring bank. Why do you need a merchant account? Nowadays, any successful online business relies on the ability of being able to accept credit or debit card payments. Statistics from the UK Cards Association show that between 2008 …