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Credit Card Declines and the Online Shopper

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With the advent of mail order, telephone and online shopping, card-not-present (CNP) transactions have become commonplace. However, according to an independent study released last year, 17 percent of consumers have had their credit cards declined in CNP transactions. It concludes that the result is consumer aggravation, increased operational costs for banks and credit card companies and as much as $40 billion in lost revenue for online retailers.

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Meeting the Expectations of the Digital Consumer

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The everyday lives and digital lives of most American consumers are now wholly intertwined, according to a recent study, and the ownership of mobile devices is revolutionizing the consumer shopping experience. Is your business ready to meet their expectations?

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Catering to Online Shoppers’ Preferences

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Online shopping is a distinctly different experience than making a purchase at a traditional point-of-sale merchant — and a lucrative one for merchants as well. Just as brick-and-mortar businesses have learned to cater to their customers, so must e-commerce businesses if they expect to be successful over the long term.

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Emphasize Secure Payments to Support Cyber Monday Success

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The National Retail Federation (NRF) has good news for retailers, forecasting holiday sales to increase 4.1 percent over last year’s sales in November and December.

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Apple Embraces NFC Payments, Debuts Apple Pay

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Apple, Inc. has unveiled its plan to modernize the way customers shop with credit cards; it’s called Apple PayTM.  The announcement of this new service came on September 9th at a special media event in Cupertino, California, to introduce the new Apple Watch and two new iPhones — the iPhone 6 and iPhone 6 Plus, capable of making contactless payments. This new service uses technology known as Near Field Communication (NFC) which has built-in capabilities to support secure applications.

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