What is the difference between a Payment Gateway & Merchant Account?

28 11 2010

Many people confuse these terms, and hopefully we can assist you in understanding this.

Payment Gateway is defined by WikiPedia as: A payment gateway facilitates the transfer of information between a payment portal (such as a website or IVR service) and the Front End Processor or acquiring bank. So this would mean that it is the system, that interacts with the website, and the credit card companies. Examples of payment gateways would be: Authorize.net, PSIgate, Linkpoint, Paypal etc.

Merchant Account is defined by Wikipedia as: A merchant account is a contract under which an acquiring bank extends a line of credit to a merchant, who wishes to accept payment card transactions of a particular card association brand. Without such a contract, one cannot accept payments by any of the major credit card brands. Examples of a merchant account would be: Your Local Bank, A dedicated Merchant Banking account.





The Four Pillars to Online Trust

7 11 2010

Human beings are social creatures that seek out companionship and relationships. We crave trust.

by WM Contributor Tim Ash, SiteTuners

Without trust, we would be consigned to a world where we examine everyone’s actions with suspicion, and assume they are working only for their own purposes. But because of the sheer number of social interactions we have with complete strangers, we must at least extend some trust on a regular basis. Otherwise, many acts, both small and momentous, simply could not happen.

Even with total strangers in the “real world”, we at least have appearance and body language to discern some level of trust. Online, we are at a disadvantage. Almost anyone can quickly create a website or landing page and masquerade as a wide variety of businesses. Additionally, we are often barraged in the media about various scams perpetrated online. So, we already have our guard up.

As an online marketer, your job is very difficult compared to your bricks-and-mortar counterparts. You must not only overcome anxieties, but do so in the most challenging of circumstances.

Online trust must be developed without face-to-face contact, and it must be created instantly in the few precious seconds it takes a website visitor to evaluate your value proposition.

So how can you build instant trust online?

Appearance
First impressions matter. Recent research indicates that people will form an initial impression of your landing page or website within 50 milliseconds. This is almost as fast as visual processing happens in the brain, and can be considered as an instantaneous and automatic response. This initial reaction then extends to a more considered review of the page and will impact our likelihood of taking the desired conversion action.

Don’t get disqualified based solely on your site’s appearance We prefer well-dressed and groomed job candidates. We try to put our best foot forward on first dates. The same should be done online.

• Professionalism of design: Regardless of the intended audience or your business purpose, the visual design of your website should be professionally executed. It must hang together and function as a unified whole. Fonts, colors, and graphical elements must combine into a single visual “look.”

• Sparseness and neatness: Clutter can be your worst enemy — whether it is visual embellishments, or dense, longwinded text. Less is more. Ruthlessly edit everything on the page until it is pared to its essence and has a natural and unforced feel. Give your page room to breathe.

• Organization & clarity: Too many choices on the page can be paralyzing. Similarly, a disorganized page increases the visitor’s cognitive load and forces them to spend time simply trying to figure out how they should digest the information that you have presented. As the title of Steve Krug’s excellent book on Web usability so elegantly puts it, “Don’t Make Me Think”.

Transactional Assurances
Will we be spammed if we enter our e-mail into a form? Will the goods promised ever be delivered after we order from an online catalog? Will our identity be stolen? Such questions are always in the background when we navigate around the Web.

Relieve point-of-action anxieties before they arise The mechanics of the conversion action matter. Whether you are trying to collect an e-mail for an online newsletter or have someone purchase an expensive item, reassurances are needed about the transaction.

• Forms of payment and delivery: Many e-commerce catalogs only show acceptable forms of payment and return policies after the checkout process has been started. In fact, they must be seen before they are needed and prominently displayed above the fold on every page. The same is true of well-known delivery and shipping methods.

• Data security and privacy: The website must be certified as “safe” by outside experts in terms of its ability to protect data. Having privacy policies and computer security trustmarks from well-known vendors will instantly show someone that you have safeguarded their data properly.

• Policies and guarantees: Often, the transaction is not at issue. It is what happens afterwards that concerns people. By prominently featuring warranties, return policies and guarantees, you can assuage these anxieties. A visual seal can be created to draw the eye to these important elements.

Experts & Media
Your visitors are not likely to have heard of your brand. Unless you represent a truly world-class consumer company, people are unlikely to know your brand promise. They do not know what you stand for.

Borrow trust from better-known brands

• Reviews and awards: Many services and products have won awards or at least been reviewed by relevant industry publications. Using the award seals or “reviewed by” language can be very effective.

• Paid endorsements and spokespeople: Paid endorsements can convey trust or at least transfer the celebrity of the spokesperson to the product or service in question.

• Marquee clients: Using client logos with permission or at least prominently featuring a written list of clients (unless specifically prohibited by contract language) will create powerful visual proof of your legitimacy. They confer an implicit halo effect — if you have worked with large companies, you can handle smaller “regular” ones.

• Media Mentions: Media companies are experts at self-promotion. Any association with them confers a sense of notoriety to your landing page. Often, media outlets can be broadly defined as bloggers or authoritative voices in your specific niche.

Keep in mind that there are several caveats to using expert and media logos. They must appear above the fold and be seen at the same time as the call to action (not below or after it) in order to provide context for the content on the page. On the other hand, they must be displayed subtly, as to not dominate the visual conversation. The logos are often expertly designed, distinctive and instantly recognizable in order to draw attention. So, you may need to actually de-emphasize their impact by reducing size, decreasing color saturation (possibly using grayscale) and decreasing contrast with the background color chosen to display the logos.

Consensus of Peers
We often follow the lead of people like ourselves. For example, if our circle of acquaintances turn us on to a new musical group, we are more likely to listen. Regardless of the actual cultural tribes that we belong to, our peers exert a very strong influence on us.

Support automatic compliance by demonstrating “social proof”
There are two important preconditions for social proof to be effective: 1) there must be many people who are taking a similar action and, 2) they must be as close to our own personas as possible.

• Objective numbers: “The many” can be demonstrated by showing how many people have bought, downloaded, or started a free trial. Numbers should be cumulative, starting with the inception of the business or product. Spell out the digits of each number (e.g. “Over 1,000,000 downloads”), and use large fonts to draw additional attention.

• Likeness: Create affinity by demonstrating that the people taking action are similar to your website visitors. This can be done by picking appropriate colors, editorial tone and graphics to make your visitors feel at home. You can also have a large number of detailed testimonials that discuss common situations faced by similar people.

Trust is a critical factor to transactional success, particularly in an online environment. If you build on the four pillars of trust outlined herein, you should have a solid foundation for improved conversions.

About the Author: Tim Ash is CEO of SiteTuners.com, a landing page optimization firm that offers conversion consulting, full-service guaranteed-improvement tests, and tools to improve conversion. SiteTuners’ interactive Express Reviews of a landing page can quickly identify major conversion issues. Ash is a frequent speaker at Internet marketing conferences. He is a contributing columnist to several industry publications and websites, and is also the author of the bestselling book “Landing Page Optimization.”





The four principles of design

26 10 2010

The four principles of design are balance, rhythm, emphasis and unity. Each one of them is essential for bringing together the different visual elements that are necessary to achieving a strong design, which, in turn, is imperative for a website to succeed on any level. What follows is an examination of each principle, with insights about how to incorporate them into your own Web design for optimal results.

Balance — Different colors, shapes and sizes can create different degrees of what is called “visual interest” on a Web page. It is important that pages are designed to hold a user’s interest without overwhelming them or causing distraction away from the elements most important to conversion goals. As such, distribution of this interest needs to be controlled and balanced by considering each element in a layout and its “visual weight” — determined by its size, shade and thickness of lines.

Symmetrical balance is achieved by placing elements in the design evenly. If you place a large, heavy element on the right side, you will have a matching heavy element on the left. Centering is the easiest way to get a symmetrically balanced page. But be careful, as it can be difficult to create a centered design that doesn’t look flat. For symmetrically balanced design, it is better to create the balance with different elements — an image on the left and a large block of text to the right of it, for example.

Asymmetrical balance is an arrangement of unlike objects of equal weight on each side of the page. Color, value, size, shape and texture can be used as balancing elements. However, asymmetrically balanced pages can be more challenging to design, as elements are not matched across the centerline of the design.

For example, you might have a large element placed very close to the centerline of the design. To balance it asymmetrically, you could place a small element farther away from the centerline. If you think of your design as being on a teeter-totter or seesaw, a lighter element can balance a heavier one by being further away from the center of gravity. You can also use color or texture to balance an asymmetrical design.

Sometimes the purpose of the website itself makes an off-balance design the right choice. Designs that are off-balance suggest motion and action. They make people uncomfortable or uneasy. If the content of your design is also intended to be uncomfortable or make people think, a discordantly balanced design can work well.


Rhythm — Rhythm in design is also known as repetition — a pattern created by repeating elements that are varied, allowing your designs to develop an internal consistency that makes it easier for your customers to understand. Once the brain recognizes the pattern in the rhythm it can relax and understand the whole design.

Repetition (repeating similar elements in a consistent manner) and variation (a change in the form, size or position of the elements) are the keys to visual rhythm. Placing elements in a layout at regular intervals creates a smooth, even rhythm and calm, relaxing mood. Sudden changes in the size and spacing of elements creates a fast, lively rhythm and an exciting mood.

Gestalt is a general description for concepts that make unity and variety possible in design. The mind has the ability to see unified “wholes” from the sum of complex visual parts. Some principles of gestalt are proximity, similarity, continuance, closure, uniform connectedness and 1+1=3 effects.

Emphasis — Emphasis (or dominance) in design provides the focal point for the piece, enabling the most important design element to stand out. To draw the reader to the important part of the piece, every layout needs a focal point.

Generally, a focal point is created when one element is different from the rest. However, to maximize emphasis, it is necessary to avoid too many focal points, so as not to dilute the dominant effect. When all elements are given equal emphasis, it can make the piece appear busy, at best, or even boring and unappealing.

Emphasis can be achieved in the following ways:

• Using semantic markup to provide some emphasis, even without styles.
• Changing the size of fonts or images to emphasize or de-emphasize them in the design.
• Using bold, black type for headings and subheads and much lighter text for all other content. Placing a large picture next to a small bit of text.
• Using contrasting colors. For example, using a series of evenly spaced, square photographs next to an outlined photograph with an unusual shape.
• Placing an important piece of text on a curve or an angle while keeping all of the other type in straight columns.
• Using colored type or an unusual font for the most important information.

Unity — Unity (or proximity) helps all the elements look like they belong together. Readers need visual cues to let them know an article is one unit — the text, headline, photographs, graphic images and captions all go together. Elements that are positioned close to one another are related while elements that are farther apart are less so.

Unity can be accomplished through the following methods:

• Being consistent with the type font, sizes and styles for headings, subheads, captions, headers and footers throughout the website.
• Positioning elements so that those close to one another are related, while elements that are farther apart have less of a relationship.
• Using only one or two type styles and various size or weight for contrast throughout the site.
• Repeating a color, shape or texture in different areas throughout.
• Choosing visuals that share a similar color, theme or shape.

Web users rely heavily on visual clues when making decisions about a website — whether to click and explore, consider a purchase or sign up for a service. This is even more pronounced for first-time visitors when the decision to stay on-site or abandon is made in just a few seconds. Follow these four design principles and you can be sure that your users and new visitors will stay engaged with your website.





Graficos informativos del Ecommerce

24 08 2010

Online MBA Rankings
[Via: Online MBA Rankings]





7 Social Networking Websites Your Business Should Be Involved In

25 09 2009

Social networking for businesses offers a couple of major advantages. Not only does it help you build a list of contacts and leads directly through the site, but it can also help to build your search engine link profile, ultimately giving you greater search engine results and an increased level of search engine traffic. Because social networking is one of the biggest phenomenon to hit the Internet there are many sites that you can use to promote your business and becoming an active and useful member of these communities will help to increase exposure for your website and business.

1 – LinkedIn

LinkedIn is a social networking site geared solely towards professionals and businesses. It is also structured in such a way that when you add a new member to your list of connections, it also adds their connections to your list, and the connection of their connections. This three tier structure can help you build a mammoth list of new contacts to greatly improve your exposure.

2 – Facebook

While Facebook is not geared solely towards professionals and businesses, the audience it attracts is a more mature one with a heavy slant towards business relationships. Some of the unique features and opportunities, including the Facebook marketplace and Facebook applications, also make it a powerful addition to a social media optimization campaign.

3 – MySpace

MySpace was one of the first social media websites that was tapped into by the business community. Unfortunately, it is also largely frequented by unethical advertisers meaning that you have to be extremely cautious to offer genuinely valuable content otherwise users will ignore your messages and your efforts. The MySpace Groups are, however, a genuinely useful pool of information and contacts.

4 – Reddit

Reddit is a social bookmarking website. Members can add stories, news pieces, and articles that are then read by other users and bookmarked if they are good. The more pieces you submit and the more bookmarks you receive the greater your exposure and the better you will fare with your social media optimization and your search engine rankings.

5 – Squidoo

Squidoo is similar to Reddit in that it is a social bookmarking site. There is also a section that enables registered users to answer niggling questions posed by other users, further promoting your profile as being an expert in a particular field. Set up a profile page that answers users questions that they are likely to have (in your field of choice) and then set about answering questions and joining conversations that are relevant to your business.

6 – Newsvine

Newsvine is a social media website that lets businesses register and then post to the general community. Employees of your business (or you) can post regular pieces and insights into your business further promoting what you do and how you help clients and customers. Newsvine isn’t as popular as other social media websites but it does have a strong following that is growing.

7 – YouTube

It would be remiss to ignore YouTube in any article pertaining to social networking and social media. Virtually any business that wants to be successful in social media optimization, or in viral marketing, has created a video and posted it to the YouTube community. Videos can be instructional, informational, educational, humorous, or commercially based. If they’re good then they will go viral to some extent and you can count on some good traffic for your efforts.

Why Social Networking Online Promotes Businesses

The key to social networking is activity. You need to be regularly active and that activity needs to provide benefit to other members of the community. By doing this you can effectively promote any website or any business and generate more traffic to a website and improve conversion levels, income, and profit.





Ladrones del Web Design

28 07 2009

Quizas hayas sido una victima, quizas aun no lo has sido, pero lo vas a ser. . Sigue estas guias para que no caigas en la trampa.  Semanalmente me topo con personas que han sido victimas de un web designer o compañia de  web design, que resultan ser fatulas o mas bien ineficientes e inexpertas, terminando todo en que se desaparecen y usted perdio su dinero y no sabe entonces que hacer.

¿Como puedo protejerme de web designers inescrupulosos o tramposos ?
1. Estudie cuidadosamente el website de la compañia, ¿tiene este direccion fisica telefonos y nombre de la persona o personas encargadas?
2. ¿Tienen oficina o solamente existen en el mundo virtual?
3. El portfolio de trabajos realizados ¿es extenso? ¿que impresion te dieron estos trabajos?
4. Llama a alguno de sus clientes que puedas reconocer y averigua como ha sido la experiencia?
5. Hazle preguntas relacionadas al tema de Web design y analiza su nivel de confianza al contestar las preguntas.
 (Para esto debes hacer tu asignacion y educarte un poco acerca de lo quieres desarrollar)
6. ¿Cuantos empleados trabajan en la compañia? Si la respuesta es 1, huye! ( a menos que venga con una buena recomendacion de un amigo de confianza el cual ya hizo un proyecto con el diseñador. Aunque reconocemos que hay buenos diseñadores freelancers esto es una guia para alguien que no sabe mucho de lo que estamos hablando.)
7. Por ultimo si has decidido contratar a esta persona, le puedes pedir copias de sus documentos para referencia en caso de desaparicion, patente, licencia, certificado de registro pueden ser buenas herramientas para que ya de inicio la persona se sienta mas comprometida con relizar el trabajo completo.

Para mas preguntas puede comunicarse con hector@comercioe.net o publique su comentario aqui.

Hector Estela
Internet Consultant





13 cosas que NO debes hacer en tu pagina de Internet

8 07 2009

Website Marketing Turnoffs

13 things not to do when adapting your product to an online model.

http://www.entrepreneur.com/magazine/entrepreneur/2009/june/201614.html#ixzz0KgYcoWIp&D





Articulo acerca del mantenimiento a tu website

8 07 2009

Website Maintenance Musts

Keep your online business running smoothly with a monthly check-up of these crucial areas.

http://www.entrepreneur.com/ebusiness/ebusinesscolumnist/article202322.html#ixzz0KgYCIjU7&D





To Blog or not to Blog..

1 07 2009

Muchos de mis clientes me preguntan, “a estas alturas”, si deben tener un blog o no, otros estan mas perdidos aun y me preguntan: que es un Blog?
La realidad es que a todos nos viene bien un blog, es una forma de comunicacion que te permite publicar tu conocimiento o experiencia en el tema que sea y si la pregunta viene con el trasfondo”¿es bueno bloggear para mi negocio?” * pues mi opinion y la de otros expertos es que si. MAs alla de una opinion esta comprobado que los motores de busqueda, nuestros mejores aliados en la busqueda de nuestros mejores clientes los cuales todavia no conocemos, encuentran varios factores positivos en la dinamica del blog. Fijese que el blog es contenido fresco,
(si no lo puedes mantener asi pues entonces no debes tener un blog), en otras palabras actualizado lo que hace ser relevante.
Es posible que ese tema en especifico que quisiste discutir en tu post, es precisamente el tema por el cual muchas personas estan rompiendose la cabeza en este momento y buscando ayuda en los motores podran encontrarte.

En fin si tienes deseo de empujar tu negocio con un blog, y tienes el tiempo, y la disciplina para mantenerte publicando informacion regularmente, i would say”It’s a GO!”





Diseño web Fashion branding website

24 06 2009

Esta semana sacamos el site para la nueva tienda F&X en Puerto Rico. La pagina cuenta con Videos de comerciales de la marca la cual es super famosa en Europa y llega a Puerto Rico a competir en el mercado.

Se trabajo sitio en los networks sociales mas importantes y se celebro en evento de apertura el miercoles pasado en El Museo de Arte de Santurce donde los invitados fueron deleitados con super fashion show y comidas Kosher.








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