How to Pick The Right Payment Gateway


You are in the process of setting up an enterprise and at some point you will need to enable a payment system. With the perfect payment gateway, a person or an organization can make it easy for their customers to pay for products and services. Getting the right gateway can be tricky if you do not know the right pointers to getting the perfect one, be sure to check out

How a Payment Gateway Works.

A payment gateway is an application which allows a firm to securely request for payments from their customers. A good gateway payment should be able to:
•Verifies any potential customer’s information
•Verifies the funds from each customer’s method of payment.
•Approves requests after proper verifications.

How to Pick The Right Payment Gateway.

Below are some factors that will ensure you are able to pick the right payment gateway.

1). Fee Charges.

Ideally, the right payment gateway you select should have transparent charges that do not include any hidden charges. You should ask for an invoice of all possible charges one will encounter while in operation. Some common charges include:

– Setup fees.

– Monthly or annual subscription fees.

– Transaction fees.

– Processing fees.

– Contract termination fees.

2). Security.

There are increasing cases of businesses loosing money through fraud, employment of fraud prevention tools can help you reduce such losses. Get to find out what your potential payment gateways offer as their fraud prevention tools. Some of such tools include:

• Card Verification- usually in the form of a 4 digit PIN that is unique and only known to the individual card holder.
•Transaction IP Filter- A filter that isolates any suspicious activity from any single IP address for online payments that over certain amounts.

3). Support

When getting the right payment gateway, find the perfect one that will be able to offer full time support to you and your potential customers. However, a potential payment gateway should have an easy user interface that requires less customer support.

Self-help options for individual customers to do a self troubleshoot can also be an added advantage to customers for convenience when they get stuck somewhere.

4. Application and Time Frame.

It is very important to find out how much time transactions and various processes take in the given payment gateway. If a transaction has been approved, how long will it take before you can process payments from the payee? What is the timeline for you to receive cash following a successful payment?

5) Supported currencies.

The potential payment gateway you select should be able to support the currencies you intend to bill your customers with. The system should also be operational within your location of operation. You do not want to go through middlemen to access your funds because they would have to dig into your profits. Other times, payment gateways will tend to offer multi-currency cards depending on your location and transaction currency. Such cards have different transaction fees.


When looking for the right payment gateway, it is good to factor in a variety of features in order to select the right payment gateway from your incubation stage.

Why you need home insurance

Why not save up a little money by avoiding paying insurance premiums for your home? This is a question that might have crossed your mind and you may have had difficulties in dispelling it or maybe even ease. Getting a home insurance is something that insurers encourage. Calamities can befall you or your property at any time. In the event of such, would you rather be prepared or not? Obviously, everyone wants to be prepared hence the need to get a home insurance to protect you from losses due to damages on your home. There are a number of reasons why you need home insurance from, here they are:

1. Natural disasters can be a costly reality.
Natural disasters tend to occur in nature and they can bring about catastrophic damages to your home. However, when you have a robust home insurance, you can protect yourself from losses incurred by your home due to natural disasters like floods, earthquakes, cyclones, typhoons, landslides among others.

2. Man made risks can bring lots of damage.
Even though in some cases people go to great extents to try and avoid man made risks from happening, they can still happen. You may have some of the fanciest security installations at your home but still threats of burglary and other manmade risks are very much real. While some insurance companies do not have covers that cover such risks by default, you can try getting it in form of a rider.

3. It can be a requirement.
Getting home insurance is not usually mandatory but in the event that you are financing your home by getting a mortgage, lenders may make it mandatory. Lenders often want borrowers to get home insurance so that their homes can be protected from risks that can damage their home. In some cases, the lenders can be specific on certain covers since those risks are common in the location of your home. Upon completion of payment of the mortgage, the home insurance becomes optional and you are free to terminate the policy if you want to. However, this is not advisable as you still need protection from risks that can damage your home.

4. All our possessions have value.
Home insurance normally covers 2 groups of things. First it covers the house. It also covers your other possessions inside the house. In the event of damage, you will be compensated for the things covered by your policy. Some insurers may not have policies for some of your valuables, in the event you are getting a policy with such insurer then you can ask for cover as a rider.

5. Third parties stay in your home.
Accidents can take place when third parties are in your home while you are away. In the event of such, catering for damages yourself can be difficult as you are not directly responsible for the losses or you may know late which will affect your plans. However, getting a cover with insurers that offer public liability covers can be useful. They will offer compensation and shield you from any legal expenses arising from injury to the third party.

Home insurance is a must have for any willing homeowner. Damages incurred from risks can result in emotional and financial loss. However, with an insurance cover at least the latter will be taken care of.

Change of Address services

There are times you move your family to a different town or city. In this case, you will have changed your physical address. To ensure that you don’t miss your important documents and mail, you are required to change your address. While at your previous home, you had probably shared the address with your insurance company, your bank, or any other company with your details. There is need to update the information so that when these companies send the email, they send it to your new address. For you to do that, you need to hire an address change service. So what exactly is this address change service at

What is an address change service?

This is a service that allows you to change your postal and/or residential address. Your personal information and contact details are very important. This is why the address change service is available for you. The service is available online and can be accessed at any time.

You can use this service to inform different Government Agencies of a change of your address. When using the service, the government agencies may require additional information to accept your request.

  • This service will be used to:
  • Enter your contact details
  • The address you are moving from and to
  • The Agencies you need to notify
  • Receive confirmation
  • A Change of Address Checklist

When using this service, it is advisable to have a change of address checklist. This is a list of all agencies you wish to notify the change of address. The list depends on your conditions. The checklist is always the best tool to make sure that you don’t leave out any important agency. You can personalize your own checklist and modify it to suit your needs.

Always remember to notify:

  • All government agencies
  • All utility companies like your electricity account
  • Medical specialists like your general practitioner
  • Other entities like banks,

When you have children, make sure that all the entities that engage your kids are also included on the list. Never leave out your pet organization if you have one. One tip for creating an inclusive checklist is to monitor all the mail for the months leading to your move. Take note of them. This will help you in having an inclusive address change checklist that will include all important agencies.


Moving can be challenging, especially if you are moving with your entire family. After packing everything, you always have to change your address to a new one. This is something that can take you a short time. Always make sure that you don’t forget to change your address. The easiest way to change your address is by using the online platform, It is fast and available all the time. In order to maintain a normal and steady delivery of mail to your address, make sure you apply for the service. To use the service, you only need to log in to the service and provide your credentials. Applying for the service will also make sure that you receive the bulk letters and publications from the previous mail.

Seven signs that you need a Financial Advisor

A majority of the financial experts begin as solo producers in warehouse environments where they get their feet wet and learn the business. Then they transition to an independent model either with a broker/dealer or as a Registered Investment Advisor.

The problem is that no one ever taught heads of businesses to become the business owners. No one ever showed them to be a financial firm leader. Leadership is more than handing out paychecks. The administration is being the entrepreneur in practice, directing the firm’s vision and mission, and mentoring the firm’s employees.

Transamerica financial advisors learn to transition from solo advisor to financial firm executive. It’s a mentality shift. It’s a mindset. When this transition is successful, the firm is thriving. You should be aware of when to bring in an advisor if the leadership is messing up.

Seven signs that show when do you need a financial advisor:

1. Compensation: The leadership is not willing to share the wealth and doesn’t offer decent salaries or benefits. The head feels that this is his firm and that most of the profits should go to him.

2. Employees: The employer only hires people less intelligent than he. The advisor may want to be the star in his firm, so he intentionally hires only those employees who will make him look like a financial genius.

3. Training: There is no employee training. Once hired, new employees get into the fire with minimal training, guidance or instruction. The leader may feel that his time is valuable and that employees will just get it eventually.

4. Mentoring: There is no mentoring of employees. For the firm to mature into a growing ongoing concern, mentoring is essential for the growth of employees’ skills. Great organizations are made up of great people. Those people always receive mentorship.

5. Mistakes: Errors are not tolerable, and the offender is humiliated. Mistakes will be evident in any firm, but the key to a large financial firm is the guidance and help one receives after errors occur. We all learn in different ways, but being bullied or taunted is sure to lead to additional mistakes.

6. Meetings: There are few, if any, company meetings. Successful firms meet regularly to discuss open cases, assets in transition, new prospects, and issues that need rectifying.

7. Vision: The firm’s vision, goals, and marketing strategies are not sharable with employees. During the company meetings, the firm leader and employees discuss the plans for growth.

Does your firm exhibit any of these tendencies? Did reading this list cause you to squirm consciously or subconsciously? If so, you must create a plan to move from failure to greatness. Issues like these are not solved overnight. The best way to make changes is to make them one at a time.

Trying to make too many changes too quickly can result in burnout, and that’s not good for anyone. Start by making a list of the changes you’d like to make and include hiring a financial advisor. Then identify which changes have top priority. Then implement one at a time.

Prevent Credit Card Fraud

One of the trying aspects of any business today is to prevent credit card fraud transactions. With so many types of credit cards that are being used in almost all business transactions today, it is quite challenging to identify frauds; much less to prevent them. A lot of technology is used on the Internet platform which opens the floodgates to potential fraud transactions with inadequate security checks on the mode of payment made for any business transaction.

This is where you require the use of bank identification or BIN databases to reduce chargebacks.
Chargebacks are the last type of business activity a merchant would want to deal with; it means that the transaction performed is invalid due to some reason and there is no money transferred. It is a fall-through deal. It is a big disappointment to the merchant who experiences a lot of chargebacks as they are time consuming and tedious, as seen from

Preventive Measure

One of the best ways to reduce chargebacks today is through the use of bank identification numbers (BIN) which confirm the authenticity of the card used in a payment transaction. The credit card’s first six digits help to verify the necessary information of the card and cardholder as well as the issuing bank as a safety precaution to prevent fraud transaction.

Hence, the BIN system is able to match and confirm the cardholder with the transactions before approvals are given. An up-to-date and accurate BIN database functions effectively to reduce chargebacks as authentic customers can be identified and fraudsters can be rejected by the system.

Impacting Factors

In order to be effective to reduce chargebacks, a BIN database must be accurate in its store of data all the time. Although it may be impossible to secure 100% accuracy, as high a percentage as possible is preferred to assure merchants of getting their money from all their business transactions.

An effective BIN database must be regularly updated with adequate and relevant information for confirmation and verification purposes. Incomplete details will not help to reduce chargebacks as merchants are not able to confirm the authenticity of the card purchase. It is a risk they would have to take on unverifiable card transactions.

A BIN database must not only be professional but also easy to use so that the merchant can understand the system and its mode of operation to speed up any verification processes as time is of great essence in any business transactions. Moreover, the BIN system should have the coveted ISO certification to assure the merchants of its quality and accuracy as well as its proper handling of procedures to ensure security in its database.

When a merchant refuses to refund customers request, he can only call the credit card company and demand the charge with merchant chargeback.

Even tough, a merchant wins the chargeback dispute, the processing statements from previous months will still reflect the chargeback. This is why most costumers directly call credit card companies as there’s nothing much a merchant can do about it.

Important steps to take to sell a home fast

There are times when I have to sell a house fast, and the principal thing I do is plan some an opportunity to consider offering it myself. I take a gander at my calendar and think about my strategies for finding a buyer as fast as would be prudent.

I begin by making a couple of telephone calls to other land financial specialists like myself; these are individuals I know by and by who live in my geographic region, and educating them regarding my home available to be purchased if regularly an efficient route for me to sell a house fast. Indeed, it’s worked for me endless circumstances. Since I’ve been putting resources into single family homes, I’ve turned out to be familiar with many different financial specialists who buy and sell homes for a benefit, and that is the way I another speculator might look to the house I have available to be purchased. Usually, it’s tied in with a timing at whatever point you have to sell a home in fast.

To sell a house fast, I begin by expecting that I will discover a purchaser who needs to purchase a house quick – we buy houses in Houston Texas. Land speculators are frequently in the market for homes needing repair, so they are always searching for new tasks to keep involved. In the occasion, a speculator isn’t doing the redesigning work himself, at that point he has work teams expecting to remain occupied. Financial specialists are in a very surprising circumstance than most property holders since they have individual contacts. At the point when a mortgage holder needs to offer a house quick for his very own and money related reasons, financial specialists are searching for venture houses to exchange for the benefit.

Purchasers are on the whole on the web thus they are looking on the internet for their new homes. They are quite often looking on craigslist and eBay classifieds. Indeed, even purchasers living in different states will search for a house like yours in your general vicinity, and they will look on craigslist. That is the reason you need to ensure they see your home by posting arranged advertisements yourself.

Another procedure to find the buyer quickly is utilizing a salesperson to offer your home sell-off. In spite of the fact that it’s not the regular practice in many urban areas, you see it all the more frequently in rural regions and residential communities the nation over. Some authorized barkers are additionally allowed land intermediaries, so it’s normal for them to sell houses and land. By running ordered promotions on the web and considering offering at sell-off, you are finding a way to move your property as fast as conceivable when you require a quick deal.

In some cases when occupants who have been living in one of my rental houses pull out and afterward move out, I choose it’s an ideal opportunity to offer the property. Since I’m a financial specialist, I’m happy with providing my homes myself. However, in case you’re not satisfied with providing a house, if you just feel sure you don’t know how to sell your home, at that point that is an ideal opportunity to call a land specialist. Keeping in mind the end purpose to let an expert handle the deal procedure, invariably one of your choices. By and by, I’ve built up a framework that works for me when I prepare to offer a house, and it could for you, different mortgage holders give me criticism and my proposals functioned admirably for them also.

Advantages of Using LCD Display Technology.

There are a variety of display technologies available in the in today world. However, LCD technology is replacing the traditional CRT technology. LCD or Liquid crystal display has better performance than its competing technologies such as CRT or Cathode Ray Tube technology. LCD technology has been adopted in homes and commercial establishments. Many hotels and offices are purchasing this type of display components than other available display units. Compared to its competing technology, LCD display has a broad variety of advantages and benefits. Other than, price and cost, LDC exhibits greater performance than either LED or CRT display technologies. Here is a discussion of some of the benefits of using CCFL with LCD technology.


When you have little space in your home, office or hotel, LCD monitors are the best. They are commonly known as the flat screen monitors. Compared to Cathode Ray Tube monitors, LCD monitors occupy much less space. The space occupied by other technologies is wide and compared to this technology option, the LCD monitors offer much space. This space could be used to set up other equipment such as files on the office and other documents. Similarly, you could set up other appliances such as home theatres in case of a home environment.

Power Consumption

Unlike other display technologies, LCD technology offers low power consumption. When you are worried about escalating your electricity bills, LCD monitors are the best to spare your little hard earned cash. LCD monitors use up little energy compared to CRT monitors. This does not primarily mean that they have poor picture quality. Their display qualities are not dependent on the amount of energy they consume. A standard LCD monitor has a power rating of about 25 to 50 Watts. This is however dependent on the size of display type that you choose.

Brightness Quality

Some display technology has lower resolutions compared to others. If brightness is of great preference to you, LCD monitor is the best that you could put in your home or in your office. They have a high peak rate compared to other technology and brands. They have a great intensity of generating quality images and varied energy that illuminates the displaying screen. This makes LCD technology monitors the best choice for brightly lit rooms or for open space displays.

Anti-flickering Screens

Most of the display monitors that are available in today’s world have a flickering effect. However, this is not the case with LCD monitors, this type of screens have a higher refresh rate in such a manner that noticing flickering effect is almost impossible. Comparing with CRT monitors, which scan viewing areas horizontally, to imply that the whole screen is covered with these horizontal lines, this is what is called refresh rate. With LCD monitors, common refresh rates of between 75 to 85 Hertz, means that you can barely notice this flickering effect.

Other monitor display options cause strain on your eyes and headaches if viewing for longer periods of time. However, this is not the case with LCD type. They are the recommended type of display that won’t put you into many healthy risks. They are way more comfortable to use than other available display technology types.

Tips for cybersecurity in 2018

With the increased cases of hacking, many businesses- both big and small are at an increased threat of losing their data to scammers. Companies that have not put protection against online fraud and crime are vulnerable to cyber attacks. For organizations to be successful in 2018, there is need to invest in cybersecurity to protect themselves and their customers.

Discussed below are some of the tips for cybersecurity in 2018;

1.Back up your data with
Backing up your data is essential in reducing the chances of losses from ransomware attacks. This was a massive threat to both small and huge businesses in 2017 and is expected to increase in 2018. Cyber and ransomware attackers usually lock your data and then ask for ransom to return the data. Businesses in 2018 can avoid this scenario by backing up their data. Since data is vital to the success of most companies, there is need to invest heavily in back up services such as cloud back up and external hard drives.

2.Train your employees on cybersecurity.
Most of the data loss has been a result of negligence by employees as well as social engineering. Most cybercriminals manipulate employees using their emotions to get what they want. As such, it is important to train your employees on the importance of cybersecurity awareness. This way they can be able to recognize and avoid cyber threats. This training can include vigilance when it comes to email, scams, and phishing.

3.Monitor and assess your networks for vulnerabilities.
Monitoring your networks is vital in checking traffic of your network as well as the connected devices for any threats. This way you can be able to spot holes in systems that make them vulnerable to security threats. These holes are the ones used by hackers to commit cyber threats. Detecting and correcting them will help a lot in preventing cyber crimes.

4.Using anti-malware.
2017 experienced significant malware attacks, and it is, therefore, essential for businesses to be prepared in 2018 to avoid such cases. One major way of preventing malware attacks is by getting the right anti-malware for the needs of your business. Some strong firewalls and anti-virus services to use include but are not limited to cloud anti-virus, Norton anti-virus basic and website malware scanner. These will defend you against viruses and phishing attempts.

5.Implement security policies.
It is essential to have written rules on how employees can handle data and report all security concerns. Some measures should include avoiding free downloadable software and suspicious websites. Also, since businesses use email for most of their communications, they should make sure they implement email security by encrypting email communication.

6.Use strong passwords.
Everyone is a target for hackers and is vulnerable to loss of information. It is therefore important to lock your computer whenever you are far from it. Using strong passwords that are difficult to crack will help in protecting your data. You should also make sure you use different passwords for different accounts.

By integrating the tips above into their cybersecurity strategies, companies are more likely to prevent cyber attacks and thereby ensuring greater success in 2018.

Basics of Forklift Safety

Below are the ten basics of forklift safety that should be followed when operating a forklift machine.

1. The forklift must be operated by a qualified person. One of the most important aspects in the Basics of forklift safety procedures is making sure that the machine is operated by individuals who have undergone proper training and have the relevant experience, skills, and license to operate forklifts. All about forklift training at

2. All equipment should be examined before use. A routine check-up should be carried out to make sure that all systems are operating well before use. One should make sure that the breaks are working, the steering and control mechanisms are responding as required, the warning devices should be checked and tested, and also the tires should be examined and changed if the threads are worn out.

3. Correct procedures in starting up the forklift. The steps of starting up a forklift should always be followed to the letter. Therefore one should make sure that they are seated in a comfortable posture, this posture should make sure that all the controls are within reach. The operator should also be able to see everything in front of the forklift and also be able to use the rear mirrors. In case of ones position is not as required, the seat can be adjusted, or the mirrors moved to meet the needs of the operator. Once comfortable the operator should fasten their seat-belts and make sure that they are seated within the confines of the cabin.

4. Always work when the visibility is clear.always make sure that you operate the forklift without obstacles in-front of you. in case of a heavy load that can act as an obstacle it is advised to move in a reverse except when moving up ramps. always make sure that you can clearly see the racks when picking or placing loads. in case the visibility is not good enough you can get the help of a look out to help you.

5. Use the forklift for the purpose its meant for.forklifts are made to carry loads only. It is therefore dangerous when other workmates ride on them. In case a person is to be lifted make sure that they are secured to the platform as instructed by the manual.

6. Safety on ramps. When moving a load up a ramp always make sure that the fork; lift is moving in a forward direction. On the other hand when moving a load down a ramp, make sure that the forklift is moving in a reverse direction. Never make turns on a ramp.

7. Limit your speed.never move too fast especially when carrying heavy loads and when negotiating through corners and turns. this will help to minimize tipping.

8. Do not overload.
Know the capacity of your lift and never exceed it. Overloads may lift the rear tyres off the ground. Always make sure that the weight of the load is evenly distributed on the forks. Do not push the lead or try lifting it by the tips of the forks.

9. Avoid hazards when operating a forklift, always use even ground. Keep a safe distance from people and other forklifts. Use horns around corners. Do not allow anybody to stand below the load on the forklift.

10. After using the forklift at the end of the shift, park the forklift in the designated area, fully lower the lifts and turn the engines off.

How fast can someone sell a house in Houston

Houston is a thriving metropolis with active multicultural residents. Its economic prospects are on an upward trajectory which has led to a healthy demand for decent housing units in its major districts- Midtown, Downtown, Memorial City, Greenspoint, Texas Medical Center, Greenway Plaza, Energy Corridor, Uptown and Westchase.

How fast can someone sell a house in Houston?

It is safe to say that the real estate prospects for housing are pretty much very attractive, especially with the presence of companies such as we buy ugly houses. There is need for decent affordable housing that is close to the business districts where a work/family ethic can be fostered.

Closing the deal fast depends on a few factors, 

Fair pricing

The property can meet the threshold of a potential buyer but a high asking price will definitely put off buyers.

People love to make bargains and will be quick to identify a listing that seems like a good buy. They will commit without any hesitation to a deal that is just right. A competitive price will attract many bids.

The homeowner will just have to settle on the highest entrant and save the hassle of waiting for a buyer too long.

Mode of selling

Listings can be made by the home owner themselves or through the help of an agent. Buyers prefer the former in most cases as it gives a good chance of bagging a discount. One can save up to a few thousand dollars at a go by dealing with the home owner directly.


Real estate is known to be all about the location and fair prices but there is another overlooked aspect as well- timing. Selling fast in Houston means to target the summer/ spring period.

This is ideal as many listings and actual purchases are recorded when compared to other times in the year. A seller can take advantage of these and other local housing market booms. This is when eager buyers start to search for a property that best fits their expectation.

Unique selling point.

There are several Houston real estate listings at any given time. In order to secure a quick deal it is essential to identify the unique selling points of the home. This can help to market the property in an unprecedented short waiting time as buyers are able to pick up on the offer from the other
alternative listings.

Condition of the property

First impressions matter a lot. Potential buyers are more likely to go for a functional home without any pending repair or restoration projects. Faults such leaks in the piping or issues such as grime buildup only bother the prospect. They translate that to how much work they would have on their hands if they were to actually own the home. This delays their decision and snatches the opportunity to sell fast.

A simple restoration endeavor by certified professionals is a sure fix that
will help put things in order.

Depending on the kind of housing unit being put up for sale there is a ready market willing to purchase. A sure fire strategy will reduce the overall time spent in inspecting the home to make sure it is home-worthy.