[epub] Re: Newsletter service or install my own software?

[Jay Chandler <jchandler@xxxxxxxxxxxxxxxxxxx>]

At 03:32 PM 1/20/2005, you wrote:
> Well, I can't resist this ...  What did inventing "a half dozen fake 
> employees to send email through" do to YOUR credibility? Does having a 
> merchant account improve that deception?


Provided your customers don't know the difference, it bolsters it.  Smoke 
and mirrors--- it ends up giving you the APPEARANCE of being substantially 
larger, and as I've said before, credibility is entirely in the eye of the 
consumer.  Meet your obligations, don't disappoint the customer, and 
they'll be ecstatic, and never the wiser.

> "... merchant accounts are easy to get provided your credit's not in the 
> toilet," is a statement wholly uncalled for, as well as incorrect.  Many 
> folks whose credit is NOT "in the toilet" CHOOSE to use third-party 
> merchant accounts - and there are good reasons why.

Yes, but they CHOOSE to, they're not forced into it.  The exception is 
largely industries where chargebacks occur with higher frequencies.

> Here's some information on why NOT to have your own merchant account:
> http://www.i-Cop.org/articles/merchant-accounts.htm

This article raises a few points--

1. The account freezing is simple enough if you link it with an auxillary 
account as opposed to the primary.  "All the eggs in one basket" so to speak.

2. People scripting random numbers can be prevented with a rate limiting 
script on the shopping cart app, and after a certain threshold is reached 
that IP is blacklisted from further submisisons.

There are ways around everything.


> And, if you don't believe it, read Rick Beneteau's article at:
> http://www.i-Cop.org/articles/ccfraud.htm

Closer monitoring in this example would have saved a lot of 
time/effort/money for the author.  I find that people, by and large, are 
malevolent animals when they want to be.  "Trust but verify," particularly 
where money is concerned...


--
Jay Chandler
USA Plastic Cards
Century Centre II
2603 Main Street, 11th Floor
Irvine, CA  92614
Direct Dial-949-851-2114
Fax-949-851-2110
http://www.usaplasticcards.com 





***Moderators note to Jay and JL Scott:  Let's end this thread.



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