Square Credit Card Reader For Your Smartphone Is Now Available

If you sell small goods without a virtual store or even a brick and mortar store, that is, if you own the adult version of an ice-cream truck, peddling goods across large expanses of cityscape, Square’s latest credit card reader will be a God-send and it’s now shipping to customers.

Launched for iPhones and Android phones, it’s nothing but a plastic cube that latches on to your phone’s audio port and lets you swipe cards on the spot – a simple idea that could some become essential for some.

 When a card is read, the data is converted into an audio signal and passed onto software in the phone, accepting most types of credit cards, from Visa to American Express.

The hardware and software are both free at this stage, Square charging only 2.75% and 15 cents for any transaction, independent of card used, and 3.5% and 15 cents as ‘card not present’ fees. It will even let you, as the vendor, check your transactions history against a map, in order to determine the spots where you get most customers.

[ Read More ]

What is a Virtual Credit Card ?

    Over the years this has been hampered by hackers who have used the system to fraud the online purchasers using the information they have obtained from the credit cards hence the introduction of the virtual credit card. A virtual credit card is a card which is a replica of the actual credit card and which a user can generate it online. This virtual credit card generated will only be used to make online purchase and not any other purchases. Like any other credit card the person must apply for this virtual credit card. All credit and lending elements will be taken into consideration by the company offering the virtual credit card.

The main characteristics of the virtual credit card which 

differentiate it from the physical credit card are as follows:

1. Virtual credit cards are only used for online purchases; one cannot make any other purchases using this card.
2. Virtual credit card may be a temporary card which can only be used to make this online purchase once and will not be used again as it will have expired once the transaction is successful.
3. Every-time one wants to make online purchases, then they have to enter the actual credit card information and a new number is generated for the virtual credit card which can then be used.
4. The virtual credit card does not reveal the actual account number and the account details of the actual credit card. These details are only visible to the account holder and the actual credit card provider.
5. The virtual credit card number which is generated and which can be seen is temporary and also useless and cannot be used to access the actual credit card account.
6. The virtual credit card since it generates a temporary number for a particular online purchase therefore there is no information and details of the actual credit card account. This ensures that the actual credit card is not used for fraud.

 Conclusion on virtual credit card

            Since the world has become a global village, the introduction of the virtual credit card has brought a great revolution to online purchases. Curbing of fraud which had really been on the increase has also been enhanced by ensuring good data security systems while also giving the freedom to purchase online. Virtual credit card has revolutionised the concept of cards and their usage in this age.

[ Read More ]

Advantage and disadvantage of Virtual Credit Card Advantage and disadvantage of Virtual Credit Card

There are several advantages and disadvantages of virtual credit card. these have been discussed in detail in the below article.


Introduction to virtual credit card



         A virtual credit card is a credit card that every-time when one wants to make an online purchase on enters the actual credit card information and a new number is generated to facilitate the online purchase. This virtual credit card number generated will be temporary and expires immediately the online purchase is successful.




Advantages of virtual credit card


1. One of the advantages of the virtual credit card is that the number generated is only valid for the one time online purchase and transaction. Once the online transaction and purchase are successful the it expires.
2. Another advantage of virtual credit card is that one can set a limit for the particular online purchase and transaction they want to make. This advantage of the virtual credit card ensures that the merchant does not charge more for the online purchase and transaction. Therefore virtual credit cards help the one take control of their finances by ensuring that they stay within their financial budget.
3. Virtual credit card has another advantage in that they are widely recognized and can be used by anyone online to make any online transactions and online purchases. Most merchants accept the virtual credit card giving the online shopper freedom. Therefore virtual credit card allows for online purchase from all over the world.
4. Data safety and security is another advantage of virtual credit card in that the actual account number of the credit card is not visible to the merchant or on the online payment system. Therefore this information cannot be used by fraudster to make any other fraudulent online purchases and transactions. This makes online transactions and online purchases using the virtual credit card safe and a great advantage.
Another advantage of the virtual credit card is that it gives the online purchaser freedom as they are not worries that their actual credit card information would be used fraudulently.
5. Another advantage of using virtual credit card is that there is flexibility in the use of this virtual credit card as it can only be used when there is a need to make online purchases. Since the number generated for the virtual credit card is temporary then the online purchaser uses it only when they are ready to make any online purchases.


Disadvantages of virtual credit card


1. One of the disadvantages of the virtual credit card is that the transfer of funds from the online purchasers account to the merchant account takes time and at times the goods are delivered before the actual payment to the merchant is made.
2. Another disadvantage of the virtual credit card is that even though the virtual credit card is widely accepted, some merchants are still skeptical and have not fully accepted the virtual credit card.

[ Read More ]

List of Vietnam banking Swift Code

Bank of East Asia:
1. Bank name: The EAB - DongABank
Swift code: EACBVNVX
-------------------------------------------------------------------------
Joint Stock Commercial Bank for Foreign Trade of Vietnam:
2. Bank name: Vietcombank
Swift code: BFTVVNVX
-------------------------------------------------------------------------
Joint Stock Commercial Bank for Asia:
3. Bank name: ACB - Asia Commercial Bank
Swift code: ASCBVNVX
-------------------------------------------------------------------------
Export Import Bank of Vietnam:
4. Bank name: Eximbank
Swift code: EBVIVNVX
-------------------------------------------------------------------------
Bank of Agriculture and Rural Development:
5. Bank name: Agribank
Swift code: VBAAVNVX
-------------------------------------------------------------------------
Saigon Thuong Tin Commercial Bank:
6. Bank name: Sacombank
Swift code: SGTTVNVX
-------------------------------------------------------------------------
Vietnam Bank for Industry and Trade
7. Bank name: VietinBank
Swift code: ICBVVNVX
-------------------------------------------------------------------------

[ Read More ]

10 common mistakes to avoid violation of Google Adsense

There are alot of mistakes causes your Google Adsense's account has banned, follow these 10 common mistakes:

1. Never click your own banner for any reason

This is the main cause Adsense account banned. So do not ever click on your own ads. Google will remember all the times of login information from the IP number, browser, operating system ... to determine who can login to your account click on the banner or not. You should not think about the use of automated programs to click on their banner, they remember that Google is smart enough to know this!

2. Never changed the Adsense codes


Stay in your Adsense account, Google allows you to change colors, borders, font color, style, size banner. You are only allowed to change it in your account, any impact to the code of the Google ads are violating rules. Therefore you should not change it but the same as at first.

3. Do not put more than 3 banner ads, banner and a link or two of the Google search box on your website.

Actually, if you put 10 banner ads on your site, then from the 4th onwards banner will not appear again.

4. Do not use a double ads program like Google.

Google does not allow us to put the same code on their website that "competition" in which they compete. Opponents here I would say is an advertising program based on other content such as Yahoo Publisher Network. However, you can use a PHP code to alternate the two types of banner displays, as long as it does not appear together on a web page.

5. Do not tell anyone sensitive information such as CTR, CPM.

This is a Google's rules can be considered to prevent rushing to create the same page. For example, someone on the iPod website, have a high CTR or CPM is also high ... everyone moved to the "job" then woe to the Ipod. Therefore you should not tell anyone how information, especially on the forum post or publish on your website. However, you are entitled to "small talk" to people about the total amount you earn in a month.

6.  If you intend to name the banner, you are only allowed to have two choices are "Sponsored Links" and "Advertisements".

Any word on what the other two words are considered to be violating regulations. I also met many people who are labeled "Hot Links", "other articles" on their banner. You do not do it if you do not want your account closed.
 
7. Do not set the default link is opened in another window.

If you think you want the Google link is opened in another window is a good idea. However, Google and they do not think they like their link to the right opens the page.

8. Do not create multiple accounts for different sites

A Google Adsense account you can use for many different pages. So you do not need to create multiple accounts for multiple sites, because if they know you'll be closing your account. So no need to use much when they let you use one account for multiple sites.

9. Only Google's banner on the page content

Advertisers only pay for their banner placed on pages with content. So if you put the banner at the top thanks, ... sort of a redirect pages with no content. This also violates the rules of Google.

10. Avoid using keywords on a page

You should write an article with content, and the few that there are a few keywords that you want Google to place under its banner. But do not do a page outside the content does not have that keyword, such as breaking the law and if found your account may be closed.    
 

[ Read More ]

Create New Apple ID Without a Credit Card [Using iPad]

One of the first things you should do after getting your iPad is to create an Apple ID. You can then use the Apple ID to start downloading apps/games from the App Store or get music/video from iTunes.

While most of the stuff in the Malaysia version of App Store and iTunes require you to purchase with a credit card before downloading, there are tons more quality content that are free such as games, books, movie trailers and so on.

The question is though, how do you create an Apple ID if you do not have a credit card? The following step-by-step guide shows you how to do it straight on your iPad.

Instructions: Create an Apple ID

You will need an active Internet Connection so turn on Wi-Fi or 3G/Data and make sure your iPad is connected.

Step 1

On your iPad, open “App Store” from the Home Screen.

Step 2

Tap on “Top Charts”.

Step 3

On the right hand side, you will see all the top Free iPad Apps. Choose a free app that you would like to have. In our example, we have chosen the app from The Star, Malaysia. Go ahead and tap on “FREE” and this will turn into a green “INSTALL APP” button which you will also need to tap on.

Step 4

Tap on “Create New Apple ID”.

Step 5

Make sure the store country/region is correct and tap on “Next”.

Step 6

Tap on “Agree” for the Terms & Conditions. You will have to tap on “Agree” one more time after a prompt pops up.

Step 7

Fill in your details. Double confirm the email address is correct as you will need to verify this later. Once done, tap on “Next”.

Step 8

Tap on the “Payment Card” field to change it from Visa to “None”. If you had a credit card, this would be where you would select your card type and enter the relevant details. Now fill in the rest of your details and tap on “Next” to continue.

If you do not see “None” as an option, double check that you chose a FREE app in Step 3 and not a Paid app.

If that still doesn’t work, you’ll have to try doing this whole registration process in iTunes on a computer. We have posted up an alternative tutorial here: “Create New Apple ID Without a Credit Card [Using iTunes]“.

Step 9

You’ve nearly created your Apple ID. You just have to check your email and verify your account from there. Go back to the Home Screen and open “Safari” to browse to your email service.

Step 10

This is what the verification from Apple looks like. Tap on “Verify Now” and a new window will open up.

Step 11

Enter your Apple ID (which is your email address) and the password you chose earlier. Tap on “Verify Address”. Once the verification is successful, tap on “Return to the Store”. This will automatically bring up the App Store.

Step 12

Tap on “Done”. Congrats! You have successfully created an Apple ID without a credit card.

Let’s go a bit further from here and see what downloading+installing an app looks like.

Downloading & Installing an App

Locate the free app you wanted earlier and tap on “FREE” and “INSTALL APP”. Enter your password in the login box and tap “OK”.

You will be returned to the Home Screen and the new app icon should appear. A status bar below it will indicate the process until it is done downloading and installing. You can continue doing other things on your iPad while this is going on.

Conclusion

We hope you found this guide on how to create an Apple ID easy to follow along.

You will now be able to download and enjoy plenty of free content to your iPad. Just make sure to look for that FREE button next to the app/song/video in App Store and iTunes.

If at some point you find that you want to be able to purchase content with your Apple ID, you can add credit card information by going to Home Screen > Settings > Store. Tap on your Apple ID and select “View Apple ID” on the pop-up box. Proceed to tap on “Payment Information” to edit and change the Payment Card from “None” to your card type.

[ Read More ]

Creating Virtual Credit Card (VCC) for PayPal Verification

The need of Virtual Credit Card (VCC) has really gone high with the introduction of new PayPal rules in India and other countries. First of all VCC is not only for PayPal; it is useful for all kinds of online shopping. Once you have created a VCC it can be used anywhere just like an ordinary Credit Card. In this post I have specifically dealt with its usage regarding PayPal verification. There are few good sites that can be used for creating VCC and I will explain this tutorial with my favorite site – EntroPay.

Creating Virtual Credit Card (VCC)

1. First you have to go to EntroPay.com.
2. Register for an EntroPay account by using the “signup now” button available right side.
3. On clicking that you will be shown a screen highlighting some features with a button at bottom showing “Get Your Virtual Visa Now!”, just press that (Or) there might be an option saying “Open an EntroPay account”.
4. Once you have entered all the basic details in the next step you have to enter the funding sources. In my case I used my Debit Card provided by Indian Overseas Bank. You can use your Debit Card (or Credit Card) as funding source. It can be a Debit Card or Credit Card but you must be able to deposit a minimum a $20 from the Card.
5. Next after the Card activation step you have to Load the Card. You can specify the amount you want to load. I entered the minimum amount of $20. This amount is just going to be there in your EntroPay Card which you can use it later for online purchases.
6. At the end of registration you will see your Card which looks similar to all other Credit Cards.
By completing these steps Virtual Credit Card is ready.

Verifying PayPal account using VCC

1. First you have to Login to your PayPal account and choose “Add/Edit Credit Card” option under “Profile” menu at top.
2. Next you have to enter the details as it appears on your EntroPay Card and submit. Your Card will be charged €1.50 EUR and this amount will be credited back to your PayPal account once you have verified the Card. So no worries.
3. After 2-3 days in your EntroPay Card Statement you will see a PayPal transaction with a 4 digit code.
(On March 10 I added Card in my PayPal account and today (March 12) it is shown in my statement.  3414 is my PayPal verification code. See my statement below)

4. Next you have to go to your PayPal account and choose “Add/Edit Credit Card” option under “Profile” menu at top. There you will see your Card with a link saying “Enter PayPal code”. You have to click on that and enter the 4 digit code, and then confirm.

Once you have verified, the small amount that was charged will be credited back to your account. I got back that €1.50 EUR (2.12 USD) immediately after verification.
That’s it. By this PayPal verification is over.
Not only for PayPal you can use it for all online transactions. I used my EntroPay Card for buying few domains and the process went smoothly just like all other Cards.

[ Read More ]