ONLINE PAYMENT SERVICES!!!!
What is Graphcard?
Graphcard is an online payment system that enables anyone anywhere in the world to pay online without having a credit card.
How does Graphcard work?
Graphcard brings together 3 players: customers,who want to shop online,resellers who enable customers to keep their accounts liquid by selling virtual prepaid cards from Graphcard and merchants from whom the customers buy .
To get started,each player has to open a Graphcard account from Graphcard’s homepage click here.For customers opening a personal account and distributors opening a reseller account, registration is completely free.There is a onetime activation fee of $45 for merchant accounts.This fee is due when the merchant starts accepting payments online through Graphcard. Account-holders communicate with one another primarily via email.
For personal account holders and resellers,the next step after opening an account is to add funds to it.While resellers have a special arrangement with Graphcard that enables them load their accounts by wire transfer from their banks,personal account holders have various options;the leading one is to purchase a virtual prepaid card from a reseller.Alternatively,they can load
using personal checks,or virtualterminalnetwork.com,Western Union money transfers.
Once the account is active and funded,the shopping process begins.Customers identify the merchant from whom they want to purchase an item and log on to their Graphcard account to send money via email to the merchant.If the merchant is registered with Graphcard,the funds are deposited into their account immediately.The buyer is not charged any fees for sending money this way.If the merchant is not registered but accepts checks or money orders,Graphcard makes payment using either option.When payment is effected,Graphcard notifies both the merchant and the customer of the payment via email.An online reporting tool also enables both parties to check the status of
their transactions.
Graphcard has a cool feature that allows members to convert their Graphcard funds into an online Visa card.This is accomplished by simply purchasing a virtual card using the funds from one’s Graphcard account.Graphcard then allows the account holder to view card details such as the card number,expiry date and CVV2 code via their secure 128 bit SSL encrypted website.The virtual
card does not have personal information such as names and enables Graphcard account holders to shop online as they would with a traditional credit card but with the added benefit of anonymity.
So why should I choose Graphcard?
As an Internet user without a credit card or debit card, you will definitely want to sign on with Graphcard.Merchants looking for an additional revenue source should consider registering too.
Graphcard has opened up a whole new world of possibilities as it enables those without credit cards to shop from online sites such as ebay,Amazon,Yahoo and a wide variety of other merchants.The service is hassle free and straightforward: the only requirement is enough funds in one’s account to cover planned purchases.For customers who possess a credit card but are concerned about the privacy of their financial information as well as protection from credit card fraud,Graphcard offers peace of mind.According to the Federal Trade Commission,credit card numbers and expiry dates are the two most sensitive pieces of financial information one can ever disclose to others.By using Graphcard,customers are guaranteed that fraudsters have no way of getting to that information.
For merchants,Graphcard is a dream come true as it gives them access to additional sources of revenue without having to worry about charge backs.Recent studies show that at least one third of the estimated 750 million Internet users worldwide do not have credit cards to buy goods online with.This is due to the inability of their countries to accept credit cards when a merchant begins to accept Graphcard,these undeserved millions become viable customers immediately.Since Graphcard is a prepaid service, merchants are protected from the threat of charge back and fraudulent purchases.Customers make their payment at the time of purchase and all transactions
take place on a secure web site.
What about privacy?
Graphcard is the sole owner of all information that customers supply during the process of registration and when using the Graphcard website.While data such as names and shipping addresses may be shared with merchants from whom the customer makes purchases,bank accounts and credit card details are not divulged to third parties.
So what is the downside?
The key challenge to this payment solution is signing up enough merchants who will accept Graphcard.As Graphcard account-holders are now able to convert their funds to an online Visa card and make direct payment to merchants instantly,this problem seems to have been solved. Overall, buyers may still experience some minor glitches when paying on some web sites that are not set
up to accept prepaid debit cards,but these are common problems and should not be a major issue.
In conclusion
As the boundaries of the digital economy expand daily,Graphcard will likely be one of the key players bringing in customers in currently underserved countries into the world of e-business. As its recognition grows,it may just become the premier method of online payments for those without credit cards in over 260 countries.
NOTE..Some details on this page may change at anytime for update of the page please click on graphcard for more FAQ and security details.
Security Center:
Fraud Prevention Tips For Sellers and buyers:
The vast majority of online transactions are completed without any complication,however fraud and likely chargebacks can be a major threat to merchants and buyers.
Below are the major guidelines recommended in order to prevent unwanted surprises.
Always Ship to the buyer's Confirmed Address on file especially if paying via credit card.Use a shipping service with online tracking.
Check out the buyer's reputation at online auctions such as ebay if applicable,
Accept payment from only one Graphcard account per buyer.
Notify us of any suspicious activities or experience dealing with a buyer or seller When customers order high price product,suggest that they pay with Prepaid Graphcard instead of credit card Be wary of buyers who are not concerned with costs
Conduct more checks on buyers of high value items
Do not ship items to other countries other than the country of buyer
Be suspicious of deals that seem too good to be true. You'll often find they are not real
Open an Account:
privacy Statement
Our mission is to enable merchants and buyers world wide to buy and pay for tangible products and services securely online with or without access to traditional credit cards,This privacy statement covers the site graphcard Because this Web site wants to demonstrate its commitment to our users privacy,it has agreed to disclose its information practices.If users have questions or concerns regarding this statement,they should first contact Customer Service Department.
Email :customerservice@graphcard.net
Customer service mailing address: 8101 Sandy Spring Road Suite 220 Laurel MD 20707 USA
Registration
In order to use this Web site, a user must first complete the registration form, to create an account, click on graphcard website.
During registration a user is required to enter contact information such as name and email address,business and home address,To contact the user about services on our site for which he has expressed interest.Users may also be required to provide demographic information such as income level and gender.For your security,all users are required to supply unique user id and password during registration in order to personalize account profile for each member.In some instances we may ask for user's Social Security No for identification purposes and to perform the site’s service.
Quick Option
Note that you can boycott all these stress if you can follow these simple instructions on how to create your Graphcard account (you are strongly advised to use this option for easy access).
For security reasons that has been clearly started above always make sure that you do not use Internet explorer as the window browser whenever you are creating your graphcard account or whenever you want to access your graphcard account for business activities,if you use internet explorer your account will not be created.Always use Mozilla Fire Fox as the browser when you are creating or using your Graphcard account for any business activities instead. Open the Mozilla FireFox window browser,carefully copy this link http://www.graphcard.com/?rid=39403 and paste it on Address bar of this browser and press “Enter” tab on the keyboard of the system you are using.Then,here comes the home page,on this page scroll down a little and click “Register”.You will be required to select the account category you prefer and your country,you just click on “Business Sell Online” and choose your country.Here comes the profile page,fill in all necessary details and click submitted and just in 5 minutes,your Graphcard is created.
Funding Your Account
To get your account funded, there certain calculations attached to it, which will be simplified for you now.Note that the denominations of cards you can generate from your account are:
$25, $50, $100, $200, $300, $400, $500, $1,000
To fund your account for different denominations that might be ordered for:
For instance,if a customer orders for a $25 card,all what is needed in your account to get the card for him is $31 but to have 31 dollar in your account, you will need to fund your account with $38.That is, $7 will be charged in the funded amount ($38) so that you have $31 in your account and when you want to generate the $25 card,$6 will also be charged and the $25 card is ready.But,also note that this illustration is for the $25 card only,charges vary for different denominations. See the table below.
This is the different amount in dollars needed in your account before you can generate for different denominations.
Value Amt from merchant Amt in A/C Value in Naira(145naira to $1)
$25 $38 $31 5510
$50 $68 $57 9860
$100 $129 $109 18,705
If there is an order for different denomination at a time,you just add up the needed amount from merchant for the different denominations and multiply by the whole sum or amount in terms of current exchange rate of $1 to naira.
Getting Clients
To get clients,normally Graphcard will be linking people to you through your e-mail address you use to sign up with them periodically,you can also send mail mails to your online business friends about your new product as it has been stated repeatedly in this chapter,you also need to place adverts to get a huge customers.This is a business in which you can Literally make millions in sales,if you are proactive.The problem many Africans have is that they wait till something happens before they make a move.The extent to which you advertise determines the extent of your success in this Business.
CAUTIONS
1.Always verify the type of payment that the clients want to make.Some clients may want to use you to defraud others.If the client does not tell you details of the payment,don’t bother to take his /her money.
2.Always make sure that you collect the addresses of clients and other details.This is a security precaution to take always.
3.If you issue debit cards,please make sure that you know what the client is using it for beforehand and always insist that they use it strictly for the purpose that they told you of.
4.In giving discounts,check the charges before doing so.Otherwise,you might lose money,not make it.
Finally,always remember,sky will be your limit,if your business is based on LOYALTY
BONUS
RECEIVING AN AFFILIATE CHECK.
Graphcard has made it possible for an account holder with graphcard from any country to receive their affiliate check/money from anywhere in the world including Africa.
Step 1. Open a current/domiciliary account with Guaranty Trust Bank(GTB.)If you have a branch in your country or a reliable bank in your country.
Step 2. Direct all your money/check to LFR COMMUNICATION INC.8101 sandyspring road,suite 220, laurel MD20707 USA.
Tel- 301-483-9500
Fax-301-483-0923
E-mail-customersupport@graphcard.net
To withdraw your money from your bank account,open your graphcard account and click on add checking account,enter bank account details your money would be withdraw to your Africa Bank account.
NOTE:If you have open a domiciliary account,you will be able to withdraw your money/your affiliate checks in US.dollar and if you open a current account,you would be able to withdraw affiliate checks/money in Naira or your currency
Wishing you good luck in your endeavour.
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