How To Avoid Getting Scammed By A Fraudulent Payment Provider

When it comes to fraud in the world of business, Identity theft and other forms of customer-side cybercrimes tend to get the most attention. However, the frequently downplayed merchant account fraud is one of the most prevalent causes of financial loss for merchants.

If you are a business owner looking to start accepting debit and credit card payments, taking the right precautions will protect you from becoming a victim. Read on to uncover the most common forms of merchant account scams and what you can do to avoid them.

What are the popular merchant account scams?

Fraudulent merchant account providers have a variety of tactics at their disposal. Payment experts typically group the scams that result from these tactics into three forms: partial scams, full-scale scams, and backdoor scams.

1.      Partial scams

If your merchant account provider intentionally misleads you about its products and fees, they are running a partial scam. The hidden fees partial scam, for example, starts with a provider concealing extra charges to lure you into signing up with them. These charges later pop-up, or worse, remain hidden and unaccounted for until you receive a bill from your bank.

2.      Full-scale scams

In a full-scale scam, a merchant applies for an account with a fraudster posing as a merchant account provider. These criminals often target merchants looking for the cheapest rates. The first bill is usually higher than usual to suck out as much money as possible before you begin to suspect. Once the application is complete, the provider disappears.

3.      Backdoor scams

A backdoor scam involves altering a gateway’s program code to create a “backdoor” through which a malicious third-party can connect when the gateway is in use. Although it is an uncommon practice, some dubious merchant account providers create backdoors when programming their gateways into a merchant’s website.

How Can You Avoid Fraudulent Merchant Account Providers?

Falling victim to merchant account fraud can mean the end of your business. Fortunately, you can minimize the possibility of the right precautions.

1.      Do your research

Small businesses often fall victim to scammers because they are generally less educated about merchant account processes. Doing your homework before signing up gives you the sixth sense to notice contract terms that seem too good to be true. You can also reach out to your local authorities to confirm that they are a registered business,

2.      Read and re-read the contract

Before signing up, ask your prospective provider to share the full contract with you to examine it. Insist on getting a comprehensive breakdown of all the charges applied by both the payment processor and your bank. Furthermore, ensure you double-check and question all the suspiciously low rates.

3.      Trust online reviews

Before shaking hands with a merchant services provider, look up their reputation online. Client reviews on a provider’s website and social media accounts are a sure way to judge the legitimacy and quality of their services.

Independent articles and forums on expert websites can also be useful when choosing a provider. If you are interested in Worldpay, for example, look up Worldpay Reviews on Google and see if the provider has enough praises to make it an excellent choice for your business.

Watch out for scammers!

To prevent getting scammed, you need to take your quest for a merchant account provider very seriously. While the steps above seem basic, doing them right can guarantee your business a 99 percent scam-free experience.

Author Bio:

Payment industry guru Taylor Cole is a passionate payments expert who understands the complex world of merchant accounts. He also writes non-fiction, on subjects ranging from personal finance to stocks to cryptopay. He enjoys eating pie on his backyard porch, as should all right-thinking people.

The 8 kinds of  caviar

Do you remember the first time you had caviar? You’d heard so much about it, this mysterious luxury: tiny black pearls so exquisite in flavor and texture that people paid through the nose for just a dollop. Then, you tasted it. And there it was: salty and fishy, a little black mound on a little fat pancake with some sour creamy spread. You thought to yourself, is this it? Surely, few people fall for caviar upon first bite. It takes those second, third and fourth bites to get it. Then, it’s like, Woah, where have you been all my life!

We tapped Alexandre Petrossian of the Petrossian fine food company and the grandson of one of the first guys to bring to France, then America, to tell us everything there is to know about fancy fish eggs

Caviar is one of the oldest delicacies

Before raw oysters, before Champagne, before even truffles were deemed a delicacy, caviar was covered by kings and the aristocracy. Ancient Greeks, Romans and Russian tsars were all known to splurge on caviar

Caviar is not as expensive as you think

OK, it’s definitely not cheap. But caviar prices have dropped in recent years as advances in aquaculture, especially domestically, have made farmed sturgeon more available and affordable. Coincidentally, the U.S. was also responsible for a severe drop in prices in the early 19th century, when lake sturgeon was discovered to be plentiful here

The salmon roe on your sushi is not caviar!

Caviar was originally harvested by Russian and Persian fishermen in the Caspian Sea. The term refers to unfertilized salt-cured fish eggs from different species of sturgeon, including Ossetra, Sevruga and Beluga. Just about all 26 species of sturgeon have been used for caviar

Caviar is judged on its color, flavor, texture and maturity

The finest, most expensive caviars are older, larger eggs that are lighter in color. Lower quality caviar is younger, with a less intensely fishy flavor, and darker in color. It’s a good thing, too, for caviar newbies, who are more likely to start on the cheaper, milder stuff

Caviar lasts more than a day

Because it’s technically cured fish, caviar has a decent shelf-life, even after it’s opened. Store it in the coldest part of your refrigerator, as close to the freezer as possible, and it should stay fresh for about a month

Caviar is like wine

Caviar junkies and VIPs will seek out reserve caviar, the rarest and most expensive of all caviars. In the Middle Ages, many countries had laws that required the finest caviar to be reserved for the monarchy. Reserve caviar would have been that caviar

Caviar is like Prozac

Historically, caviar was prescribed to alleviate depression. Hey, wouldn’t you feel better if someone gave you caviar? It’s not as fishy as it sounds: recent studies show that high doses of omega-3 fatty acids – caviar is rich in omega-3s – may alleviate symptoms of depression and bipolar disorder

Caviar is like Viagra

It was also prescribed for impotence. Hey, now.





Tips For Understanding The World Of Insurance

Insurance is like buying peace of mind. It helps you to put your fears at rest, when you are worried about what the future holds. Insurance gives you the security, so that you are prepared for life’s disasters. This article can help you to decide what is important to you and what you need to prepare for.

When selecting a company that sells travel insurance, always go with a third-party company. While many airlines and cruises sell travel insurance, it is most likely designed to protect the company offering the trip, not the consumer. Travel insurance is a great investment, but only if it works for you.

If you are looking to save money on insurance, research into group rates in associations you may already be a part of. Organizations like AAA, AARP, and university alumni associations sometimes offer great insurance rates for their members. This can help you both save money and utilize the benefits of the organization that you are a part of.

Before you choose an insurance policy, be sure to shop around so you know what your options are. There are many online services which can give you quotes from a number of different insurance companies, or you can hire a private insurance broker who can give you options and help you decide which is right for you.

If you are one of the millions of people who rent rather than own a home, investing in renter’s insurance is a smart way to ensure that your personal possessions are covered in the event of fire, theft or other hazards, as well as to protect yourself from injury or property damage claims. Most renter’s insurance covers the cash value of your possessions, taking depreciation into account, so make sure to upgrade to replacement cost if you want to be able to repurchase your items with no out-of-pocket expenses. Your policy should also include a personal liability clause to protect you from lawsuits if someone is injured in your home or the property is damaged because of your negligence. Talk with an insurance agent to find out all the specifics of a policy before making a choice.

Ask for quotes from several insurers and check online too. Be sure to include the same variables for accurate comparisons. You can choose to go with the lowest quote, assuming that the insurer has a good reputation for service and payment of claims, or you can bring the quotes to your present insurers to see if they will match the better rates.

Before going it alone to buy insurance, consider getting at least a consultation with an insurance professional. He or she can help advise you on factors that you may not have even considered or that are too technical for a layman to understand. An insurance professional will review your finances, risk areas, age and family status, to help you pick the right levels of coverage.

As previously stated, insurance is indeed like buying peace of mind. We all have fears of the future and of disasters than can strike in an instant. Insurance is a way to make those disasters, as painless as possible. By heeding the advice in this article, you can have that peace of mind that is so vital to you and your family. For more information on click here:

How To Know If Your Insurance Policy Is Right For You

A senior man of African descent is indoors in a hospital room. He is watching his female doctor using a tablet computer. She is explaining a medication schedule to him.

It can seem overwhelming to decipher the various policy options out there. The article below will give you tricks and tips to help you understand what insurance you need and where to get the best deal.

When you choose insurance for your car, qualify your insurer first. Besides evaluating coverage, it is also in your best interest to look for reviews on their customer service, claim responsiveness and even rate increases. Knowing who you are dealing with ahead of time can help you set expectations with your insurer.

When purchasing insurance, whether it be for your home, your automobile, or even on a pet, try to see if the company offers any sort of bundling discount. A lot of times if you have several different policies, say renter’s insurance and auto insurance, you will get discounted on both. For apartment dwellers usually renter’s insurance is mandatory, so asking this question is tantamount to guaranteed savings. By way of conclusion, bundle and save money!

You’ve probably heard the phrase about 15 minutes can save you 15%, but you might find that by spending just a couple of minutes on the phone with your current insurance provider can also save you money. When your insurance coverage is nearing the expiration date, call your insurance provider and ask them for a re-quote on your policy. They will have the incentive to give you the most favorable pricing in order to retain your business. Since they already have all your information, it probably won’t take 15 minutes and you can save time and money.

Even if your insurance company covers it, refrain from filing claims. Premiums will probably rise higher than the cost of your small repairs. Some companies may offer you discounts if you accumulate claim-free years, which can save you a lot of money. In case of a serious accident, that full coverage is there still.

Comparison shop and research different insurance companies to ensure you buy the best insurance policy for you. Knowledge about different insurers and policy information gives people the power to choose only the coverage they really need and keep their insurance prices as low as possible. Having greater knowledge about insurance products makes purchasing insurance coverage easier.

Find an insurance broker who works with several major, reputable companies. These professionals, after reviewing your records, can compare different companies’ offers and can choose the best coverage for the best premium. Some of these brokers continue to shop around for you and switch your carrier when another company offers the same coverage for a more reasonable premium.

Don’t rule out using an insurance broker. An insurance broker can save you time by doing a lot of research then presenting you with the insurance policies best suited to your needs. They can also explain legal terms in insurance policies and they can often offer you great discounts on policies.

It can be tough to sort through all types of insurance to get the best one for your family and you, but this article’s tips should help. As in most things, the more you know, the better chance you have of getting the best possible fit for your needs. For more information on click here:

Wann sollte ich einen HNO-Arzt aufsuchen?

HNO-Ärzte sind Spezialisten, die Erkrankungen von Ohr, Nase, Rachen, Kopf und Hals behandeln. Diese Ärzte erhalten nach Abschluss ihres Medizinstudiums eine jahrelange Spezialausbildung und sind in der Lage, eine Vielzahl von Erkrankungen zu diagnostizieren und zu behandeln. Lesen Sie weiter, um einige der häufigsten Gründe zu erfahren, warum Patienten Termine mit HNO-Ärzten vereinbaren.

Anhaltender Hörverlust

Vorübergehender Hörverlust ist nicht unbedingt ein Grund zur Sorge, insbesondere nachdem Sie längere Zeit laute Musik gehört haben. Wenn es jedoch länger als ein oder zwei Wochen dauert, ist es Zeit, einen düsseldorf hno zu finden, der helfen kann. Dies kann ein Zeichen dafür sein, dass ein Patient einen Teil seines Ohrs dauerhaft geschädigt hat, was möglicherweise eine chirurgische Korrektur oder Hilfsmittel erforderlich macht. Ein HNO-Arzt kann dem Patienten helfen, die richtige Lösung zu finden.

Schmerzen der Nebenhöhlen

Sinusschmerzen können Erkältungen, Grippefälle und andere kleinere Krankheiten begleiten. Anhaltende Sinusschmerzen können jedoch ein Indikator für ein ernsthafteres Problem sein. Patienten, bei denen länger als ein paar Tage Schmerzen in Gesicht, Ohren, Oberkiefer und Nase auftreten, sollten einen Termin mit einem Spezialisten vereinbaren, der die Schmerzquelle diagnostizieren und einen Behandlungsplan erstellen kann.

Laufende Überlastung

Es ist nie normal, jeden Tag mit einer verstopften Nase aufzuwachen. In vielen Fällen kann es zu Schlafstörungen kommen oder, wenn die Überlastung den ganzen Tag anhält, die Ausführung normaler täglicher Aufgaben erschweren. Ein HNO-Arzt kann die Ursache der Überlastung ermitteln, unabhängig davon, ob sie aufgrund von Allergien, einer Infektion oder einem abweichenden Septum auftritt, und eine Lösung vorschlagen.


Kleinere Schmerzen sind kein Grund zur Sorge, insbesondere wenn sie nach einer Überdehnung der Stimmbänder oder während einer Krankheit auftreten. Wenn der Hals eines Patienten so wund ist, dass er nicht bequem essen oder trinken kann oder länger als eine Woche dauert, ist das eine andere Geschichte. Die Ursachen für anhaltende, schwere Halsschmerzen reichen von GERD bis zu Mandelentzündung, die beide eine spezielle medizinische Versorgung erfordern.

Klingeln in den Ohren

Ständiges Klingeln in den Ohren, medizinisch bekannt als Tinnitus, kann ein frühes Symptom für Hörverlust sein. Es kann auch auf andere zugrunde liegende Probleme wie Ohrenentzündungen hinweisen. Es ist am besten, einen Termin mit einem HNO-Arzt zu vereinbaren, sobald dieses Problem auftritt, da dies die Möglichkeit eines Hörverlusts verringern und die Reizung durch ständig klingelnde Ohren lindern kann.


Bei neuen Gleichgewichtsstörungen und anhaltendem Schwindel sollten Sie einen HNO-Arzt aufsuchen. Dies liegt daran, dass sich das Gleichgewichtssystem hauptsächlich im Innenohr befindet. Daher sind fast immer Hörtests erforderlich, um die Ursache für abnormalen Schwindel zu ermitteln. Es kann ein Symptom für eine andere schwerwiegende Grunderkrankung sein. Verschieben Sie also keinen Termin.

Das Fazit

HNO-Ärzte sind Spezialisten, die Erkrankungen und Beschwerden von Ohr, Nase, Rachen, Kopf und Hals behandeln. Wenn Patienten Probleme mit dem Hören, Atmen, Schlucken oder ähnlichen Problemen haben, sollten sie sich an diese wenden, um Hilfe zu erhalten. Vereinbaren Sie einen Termin, sobald Symptome auftreten, um schwerwiegendere medizinische Komplikationen zu vermeiden.


The Best Tips Available Today For Insurance

If you are looking for all of the basics regarding insurance plus some other tips that you might not have heard of, this article is for you. This can be a confusing subject with all of the different opinions and information that is available, especially when a lot of it is contradictory.

When selecting a company that sells travel insurance, always go with a third-party company. While many airlines and cruises sell travel insurance, it is most likely designed to protect the company offering the trip, not the consumer. Travel insurance is a great investment, but only if it works for you.

Next time you’re shopping for insurance, approach one of the companies you currently use for another type of insurance to see if they will give you a preferred rate. Your homeowner’s insurance company may give you a significant deal, if you approach them and ask about whether they can offer you a preferred customer auto insurance rate.

Small business owners should always make sure that they have small business insurance. It provides you with financial protection against things like natural disasters and power shortages. Things that are unpredictable like that can cause a business to quickly go under if you are not properly covered with the correct insurance.

Evaluate your insurance policy once in a while to make sure your are getting the best coverage at the best rates. Be sure that you are getting all of the discounts you qualify for, and check for errors or omissions. All of these things can cost extra money, so look over your policy one more time.

As stated at the beginning, there is quite a bit of information in regards to insurance. Hopefully you will find these tips beneficial. You should now find yourself ahead of the game if you are working to become an expert, or just trying to get a bit of background information.

All The Information You Ever Wanted On Insurance

Insurance, no matter what kind, is just one of those costs that you don’t want to incur, but know you have to. However, that doesn’t mean that you have to spend the most money for a suitable policy, no matter what type of insurance you are shopping for. With these tips, you can find reasonable rates that suit you just right.

When purchasing insurance, make sure you buy it over the internet. Most insurance companies offer discounts for those who purchase their coverage over the internet rather than in person or over the phone. Some offer discounts between 5-15%. It may not seem like a lot at first, but it adds up over time.

If you are moving, be sure to check with your moving company to see what kind of insurance they carry. Most moving companies just have a “per-pound” policy on all contents. This might be alright if you just have fairly ordinary, large furnishings; however, if you have very expensive furniture, artwork, lots of electronics or other items that may not weigh much but are valuable, you should ask your insurance agent about supplemental moving insurance.

Consolidating all of your insurance policies under one roof can help you save a bundle on your premiums. Insurance companies commonly give big discounts to people who have multiple policies. Talk to your insurance company and ask for a quote on other forms of insurance to see how much money you could save.

Small business owners need to insure more than just the building in which they operate. They also need to insure any special tools or equipment used in the conduct of their business. A business owner’s equipment and tools are considered personal property and are not normally included in the coverage provision of most business liability policies. Therefore, they must be protected against loss, theft or damage, with a separate policy.

If you use the tips provided, you can avoid higher costing insurance policies that aren’t going to really provide coverage that is any better than the budget policies you can find. There are several key resources and great concepts to use when shopping for insurance in order to save the most money possible.

Check Out These General Insurance Tips Here!

Dental insurance form on the wooden table.

To get any insurance policy wisely, you have to be well aware and well informed. However, you can’t get all the wisest tips on your own. The tricks of the market are only found through experience, but you don’t have to wait to get them. You can get the greatest tips used today right from this article.

Save money on your insurance premiums by raising your deductible. You can save $100 or more on your auto insurance premium by raising your deductible from $250 to $500. Likewise, if you increase your homeowner’s deductible from $500 to $1,000, you could save even more. Even increasing your health insurance deductible helps you save money on premiums.

When considering travel insurance for an upcoming trip, be sure to not automatically purchase insurance through either your cruise line or travel agent. First, check with your own home or auto insurer to see how their rates compare. Often times you will obtain cheaper and better coverage with companies that you already have a relationship with.

Consolidating all of your insurance policies under one roof can help you save a bundle on your premiums. Insurance companies commonly give big discounts to people who have multiple policies. Talk to your insurance company and ask for a quote on other forms of insurance to see how much money you could save.

If you are an empty-nester moving to your new home, don’t take the risk of your hard-earned household items and valuables being damaged or lost in transit. Spend the money to insure your goods while they’re being moved to your new empty nest. Many moving companies offer such policies, and they are well worth the incremental extra expense.

If you are worried about your insurance policy purchase, you can put those worries at ease with the use of these tips and the great advice that they offer when you are ready to get the policy that best fits your life and needs, which can give you comfort as you proceed along.

Getting The Most Out Of Your Insurance

This article was written to help you learn some knowledge about insurance, and some tips related to insurance. When it comes to a subject like insurance you want to make sure you are as informed as you can be so you can make the right decisions. So read this article and retain the knowledge it contains.

When filing an insurance claim, be sure that you are prompt with doing so. This will ensure that your claim is filed promptly and correctly, as well as taken care of in a reasonable period of time. Be sure to also provide all reasonable information that the insurance company requests as well.

When purchasing insurance, make sure you buy it over the internet. Most insurance companies offer discounts for those who purchase their coverage over the internet rather than in person or over the phone. Some offer discounts between 5-15%. It may not seem like a lot at first, but it adds up over time.

Don’t try to inflate the value of your car or truck. All this accomplishes is raising your premium. In the event that your car is written off or stolen, the insurance company is only going to pay the market value of your car at the time of the incident.

The wise consumer will take their own loyalty into account when comparing insurance companies. An insurer that has provided years of effective, reliable and trouble-free service should not be abandoned the instant a slightly cheaper alternative becomes available. It is quite likely that an insurance company that offers rock-bottom prices is cutting corners somewhere in the service they provide their clients.

The knowledge you just learned about insurance is but just a bit of the whole you can learn. There is so much information to learn, but don’t be discouraged by that. In order to make sure you make the right decisions always make sure you expand your knowledge, so come back to this article if necessary but make sure you learn other things as well and you should be successful in your insurance decisions.

Insurance Advice That Is Easy To Understand

So just what is going on with insurance in this day and age? With everything else going on in your life, it can be nearly impossible to keep track of the latest trends and information. Here in this article you will find some of the most important information that you have been looking for.

You can insure just about anything these days. If you have an antique or family heirloom that you know is of great value, you can take out an insurance policy on that particular item in the event it is damaged, lost, or stolen. It won’t be able to replace something that has sentimental value, but it will ease the pain a bit.

Create and maintain a detailed journal of every event that occurs leading up to and throughout the duration of your insurance claim. This will assist you if there are discrepancies throughout the process. This is the only way that at least you can ensure that you keep your facts straight. Take down everyone’s name and number that you speak with and a brief summary of the interaction.

New insurance companies may come calling all the time. But before you make the leap, be sure to scruitinize the fine print carefully. What looks like a good deal on the surface may be the real thing. However, there may be many small but important differences between your current policy and the one you are considering (premiums, deductibles, coverage limits, etc.) So be sure you know what that next boat looks like before you jump ship.

In conclusion, it is definitely difficult to stay on top of all of the latest tips and tricks coming out about insurance. To make matters worse, information is constantly changing – making it nearly impossible to be an expert unless you make it a point to keep yourself up to date. Hopefully you found this article interesting, informative, and were able to learn a couple of new things.