How to Select the Best Mobile Payment Application

Mobile point-of-sale (POS) solutions enable merchants to accept credit card payments where it is most convenient for their customers. Mobile payments allow merchants to accept and process credit card payments in the aisle, outside the store or anyplace customers prefer to pay. Small business owners or large enterprise merchants with a mobile sales team or non-traditional storefronts can expand their business and increase revenue by accepting mobile credit card payments using their existing smart phone.

Mobile POS systems are setting a new standard in convenience and are easy to implement and support. Merchants equipped with an iPhone, BlackBerry, Windows Mobile or Google Android device can submit, authorize and settle transactions quickly and securely.

Mobile POS systems offer several advantages:

  • Decrease Processing Cost- Merchant can lower their processing cost by using a single merchant account to accept retail and mobile payments.
  • Customer Satisfaction- Improve the customer experience by offering multiple payment options.
  • Flexibility- Mobile transactions allow merchants to take your storefront anywhere you go.
  • Stability and Reliability- Mobile POS software rivals those of the largest e-commerce, trading, and portal Web sites. Mobile POS applications can handle millions of transactions every month.

Lower Entry Cost

Considering that most people would rather lose their wallet than misplace their cell phone, it comes as no surprise that the mobile platform is quickly becoming a new payment option for small business owners. For many, our cell phone never leaves our side. It maintains its place at the dinner table, is easily accessible on your belt clip or in your pocket, and often, somehow it even manages to end up sharing your pillow at night. Today, cost conscience merchants can accept credit card payments without purchase traditional point-of-sale equipment or paying for expensive system customizations.

Market Expansion

Mobile POS solutions are priced for the small business owner and independent sales representative. Merchants can purchase a quality smart phone payment application from $0-$29.95. Questions to ask your mobile payment provider:

· Is the mobile application PCI compliant?

· Does the application support both small and large payments?

· Does the system require a payment gateway service? If so, recognize payment gateways require an additional recurring monthly fee.

· Does the application support swipe and non swipe transactions? Swipe transactions provide lower processing fees.

· What card readers are supported?

· Does the card reader support data encryption?

· Does your system provide online statements for viewing customer transactions?

· What mobile phones are supported?

· Does the system ensure no customer payment information is stored on the cell phone?

· What are all the fees associated with accepting payment?

· How quickly are customer payments funded to the merchant’s bank account?

· What is the license agreement? Specifically can the merchant load the mobile payment application on multiple devices?

We’ll undoubtedly see many mobile application providers come out of the woodwork as the industry matures. However, merchants should look for a mobile payment provider with multiple years of experience in the payment processing industry.

Top Mobile Payment Applications

1. MobileAuthorize (Google Android, BlackBerry, iPhone/iTouch, Windows Mobile)

2. iPayPOS (iPhone)

3. RoadMerchant (BlackBerry)

4. MobileMerchant (iPhone, Windows Mobile)

Work At Home Entrepreneurs – Profiting From Micro-Blogging

If you are one of those people who work at home then this article will get you thinking. There is a new kid in the block called micro-blogging. These are social networking sites where users can send short messages to people following them. Unlike blogging where you have to come up with a full article, micro-blogs are like one liner messages; talk of lazy work at home blogger. The amazing thing, you can generate huge traffic from these websites.

Whatever business you are running, attracting customers to your business is the key to your success. Currently, social media marketing is the way to go. But websites like Facebook and MySpace have been given a run for their money. This happened with the introduction of sites like Twitter, Yammer, Plurk and others.

The advantage of micro-blogs is that they are faster means of promoting your online business. Work at home business people have discovered that you can now reach more people through sites like Twitter, identi.ca and Jaiku. This is mainly because the number of people joining these sites is increasing by the minute. To some great extent this is an awesome deal to online marketers.

Early I called this mode of communication "lazy work at home blogger"; This is because all you need to come up with are updates containing 140 to 150 characters. Therefore, now you have no excuse for not succeeding in attracting sales leads to your online products. All you need is to come up with short juicy lines, that will leave people with no choice but to follow your links, which you include within your short messages.

The one thing that crowns it all when it comes to micro-blogging is the fact that it is mobile phone compatible. This means apart from working at home you can work on the go. Big multi-national companies are now spending millions of dollars to communicate to their customers through Twitter. A good example is Dell, which has hired over 100 employees to send hourly tweets to their customers.

Follow the links below to get more insightful content on improving your work at home experience.

Early Childhood Education Course for Teachers

Early childhood education is a concept that has been applied very effectively to children below the usual school age. It is based on the belief that children will learn through play, which is why the basics are integrated into play and taught to the children. The developer, Jean Piaget, believed those young children and even older ones learn more efficiently effectively through fun and play. Several activities are especially effective such as art, social games and dramatic play. These are supposed to awaken the interest and curiosity of the child and invoke the tendency for make believe and social thinking.

Teachers

Teachers who are educated and trained in early childhood education handle classes in preschool, which includes nursery and kindergarten classes. Children who attend these classes are usually around the ages of three to six years old. Parents are encouraged to be active teachers for their kids as well since they are considered to the first ones to teach while they are still at home. For the most part, some daycare centers recognize the need to integrate the basic lessons to the kids that they care for during the duration of their stay. Such is the importance of educational toys and an educational background for the caregiver. Teachers are taught, educated and trained to recognize the various ways and techniques that will capture the interest and curiosity of a child in order for him or her to want to learn more about the different toys and tools that are utilized. In many universities and schools, this course may reach up to the standard four year course for those teachers but in some, early childhood education may just take a couple of years to learn. Since this is a specialized course, administrators of schools that offer this to young children prefer their teachers to have a full educational background on preschool or elementary as well as have the requisite additional course.

The reality of it is that most of the toys and tools used for early childhood education can be common things that can be seen in the house or replicas of these. This actually encourages the kids to view things in the house in a different way as well as to make them familiar with these things and their uses in everyday life. Make believe and the use of their active imagination is highly encouraged in order for kids to be able to think out of the box and expand their minds and imaginations. Although there is no formal education for this course, some schools and daycare centers integrate formal lessons with play in order to give their children a leg up before they enter nursery or kindergarten. Parents are encouraged to make learning as much fun as they can without the pressure of formal teaching.

This is part of the background for early childhood education. It has become a trend for daycare centers and other places that take care of younger children to integrate basic lessons in their playtime and other activities in order to help kids learn early on.

Market Research Companies – An Overview

Most large to big businesses have their own market research teams. These teams not only conduct research themselves, but most often outsource the requests to specialised companies. In the UK alone there are well over 250 market research companies, some operating in small niche markets. This article focusses on some of the most well known market research companies that operate across the globe.

ACNielsen

is a global marketing research firm and part of The Nielsen Company. One of ACNielsen’s best known creations is the Nielsen ratings, which measure television, radio and newspaper audiences in their respective media markets. Another market research tool is Homescan where sample members track and report all grocery and retail purchases, allowing purchasing patterns to be related to household demographics.

One of the most common used products is Retail Measurement, a tool that provides continuous tracking of product sales to consumers, based on information gathered at the retail point-of-sale (EPOS data)

Other well known ACN Businesses are BASES, Nielsen Consumer, Nielsen Business Media and Nielsen Online.

Forrester Research is an independent technology and market research company that provides its clients with advice about technology’s impact on business and consumers. It offers a variety of services including syndicated research on technology, quantitative market research on consumer technology adoption and business IT spending, research-based consulting and advisory services. On its website you can find a wide range of free research, options to be alerted on new conducted research as well as of the shelf surveys.

GfK SE is a worldwide market research organisation providing services in five business divisions: Custom Research, Retail and Technology, Consumer Tracking, Media and Healthcare. The Custom Research sector supplies information and consulting services for operational and strategic marketing decisions. Retailer POS data is the source for the Retail and Technology sector. The sector supplies clients with information and consulting services based on retail data from continuous surveys and analyses of sales of technical consumer goods and services in the retail sector. The Media Sector delivers information services on range, intensity and nature of media usage and acceptance. The data source for the Media sector stems from the media (point of media).

Ipsos MORI is the second largest survey research organisation in the UK. The organisation has a freely available archive of opinion polls and public attitude research from 1970 onwards, including trends on its UK website. Ipsos MORI’s Social Research Institute works extensively for UK government and public services, looking at public attitudes to key public services which formed a key part of the UK Government’s domestic agenda in 1997-2005. Social policy, and issues such as identity, social cohesion, physical capital and the impact of place on attitudes are all key themes of the Institute’s work. The company also specialises in Media, Loyalty and Marketing and Advertising Research.

Mintel International Group Ltd is a privately owned, London-based market research firm. Mintel databases, analysis, and forecasts are accessible only to subscribing clients and to students in participating university libraries. Some of its products are: Mintel Beauty Innovation (monitors mass media beauty introductions), Mintel Comperemedia (tracks direct mail and print advertising), Mintel Food & Drink (combines 5 products to deliver actionable market intelligence) and Mintel Menu Insights (tracks items on US restaurant menus). Mintel is mostly known for its reports, which are published online and contain consumer research and analysis.

SymphonyIRI Group (formerly Information Resources, Inc.) is a market research company which provides clients with consumer, shopper, and retail market intelligence and analysis focused on the consumer packaged goods (CPG) industry. They offer services in the following areas: Market Content (Retail tracking data, convenience store tracking data and consumer panel-based data), Predictive Analytics (Decomposition of the drivers of current business trends and simulation of the effects of changes on future brand plans), Enterprise Performance Management Software (Tools to support faster analysis of market content) and Professional Services / Consulting.

WPP is is the world’s largest communications services group in terms of revenue. Kantar, based in London, was founded in 1993 as the Market Research, Information and Consultancy Division of WPP. It is a network of 13 specialist companies, including:

Research International specialises in qualitative and quantitative custom market research. It has experience in most major sectors, particularly consumer packaged goods, retail, new media, financial services, energy and utilities, technology, the postal sector and telecommunications.

Millward Brown provides qualitative, quantitative and consulting services with respect to brands, marketing communications, media and marketing effectiveness. Millward Brown works across a range of industries and categories, including brand strategy and experience, creative development and campaign evaluation, consumer needs and values, media planning and strategy, return on investment (ROI) and forecasting, and investment management, brand valuation and analytics through its MB Optimor unit. In the UK, Millward Brown currently compiles the Music and Video Charts on behalf of The Official Charts Company.

Taylor Nelson Sofres (TNS) is a leading market research and market information group with focus on the areas Automotive, Consumer, Finance, Political and Social, and Technology.