Credit cards were once the be-all and end-all of online payments, but there’s a reason that has changed. There are so many alternative payment options out there today and every online shopper has their own preferred way to pay. By offering a variety of web payment processing tools for your customers to choose from, you can significantly improve your sales.

Credit cards are under threat by new alternative payment processing solutions. Web payment processing began as a way to increase the security of online shopping by allowing people to make purchases without revealing their sensitive financial information, but it’s become so much more.
However, while more and more people are moving away from using credit cards when shopping online, because there are more online payment options than ever before, not all shoppers are choosing the same alternatives. As an online entrepreneur, you need to offer as many choices as you can in order to convert the most customers.
A study by Quality Research Associates has found that websites providing four or more payment methods had a sales conversion rate 20% percent higher than those offering just one online payment option. In other words, the more online payment options you offer, the more web payment processing you’ll do on your site and the more money you’ll make.
There are four basic ways to pay which every online business should offer:
1. Credit Card Processing
Despite all the alternatives, credit cards are still the most popular way for people to make online payments (for now!). Credit cards are fast and cheap, but they’re not very secure. As cybercrime continues to grow in quantity and in sophistication, more and more people will realize that it is in their best interest to play it safe, and will opt for one of the following alternatives.
2. E-Commerce Processors
E-commerce processors were originally designed to act as a middle-man between your credit card information and the merchant, as an added layer of security against fraud. However, they’ve evolved into all-in-one payment processing solutions. While most still support credit card payments, they also allow you to pay by “e-wallet” – which you can fund by credit card, bank transfer, direct deposit, check, etc.
3. Debit Cards
As the general public becomes more wary of the potential debt trap associated with using credit cards, debit cards are becoming more popular both at the point-of-sale and online. Banks, realizing this, have been developing the infrastructure for debit card payments to be supported by web payment processing. Debit card payments are especially convenient because the money goes directly from your bank account to the merchant, no third-party necessary.
4. Offline Payment Options
Some potential customers would rather skip web payment processing entirely and talk to a live person, and it’s important to offer that option as well. While it’s much less convenient, paying in person is the safest way to pay, so include a phone number or an order form or these potential customers will shop somewhere else.
Building a successful e-commerce business in today’s lightning-fast economy means you need to embrace every opportunity, from choosing the perfect shopping cart for your wares to testing and re-testing your website design. Every decision will have an impact on your bottom line, but your approach to web payment processing will have an effect unlike anything else. You work to give your customers the best service and the best value, so why would you cut corners when it comes times for them to pay?

The success of your online business depends on sales. So why deliberately decrease your sales potential by limiting your customers’ web payment processing options? Credit cards are convenient and omnipresent, and many consumers are enrolled in rewards programs which encourage them to pay by credit card, but more and more people are choosing the alternatives. By offering as many online payment processing options as possible, you can make as many sales as possible. The smoother your customers’ shopping experience is, the more satisfied they will be with your service. To find out how payment processing solutions will grow your business, read this article.

Proper amount of calcium is very important for the healthy functioning of bones and muscles. Apart from bones and muscles, calcium is also needed for the normal functioning of nervous system and heart. Lack of calcium in body is a main cause of health issues like insomnia, depression and anxiety. How to improve calcium level in body naturally? This is a common query heard from people. Let’s see here the natural ways to increase calcium levels. Including calcium rich foods in diet is a natural way to improve the concentration of calcium. Milk, cheese and ragi are some among the best sources of foods that can provide you the required amount of calcium.

Ability of calcium absorption can be also increased by including magnesium and vitamin supplements in diet. Today, you can get many products from market that boast off cure from low calcium deficiency. If you are planning to buy one, make sure that you are taking product from a reliable manufacturer. Proper amount of calcium is needed for the normal functioning of bones and teeth. As per studies, dairy products are found to be as the rich source of calcium. Hence feel free to include milk, yogurt and cheese in daily diet schedule.

Some green leafy vegetables can also treat calcium deficiency naturally. Collard green, kale, turnip green and green beans are some among the effective food sources that can provide your body with needed amount of calcium. Do you like to consume asparagus extract? This herbal cure is another safe remedy to alleviate the risk of calcium deficiency. Similar to asparagus root extract, you can also make use of food sources like brussels sprouts, fennel and mushrooms to improve the concentration of calcium in body.

As said earlier, regular inclusion of beans in daily diet is found to be very effective to improve the concentration of calcium in body. To get effective result, it is recommended to make use of food sources like kidney beans, pinto beans, black beans and black eyed peas in daily diet. Including certain herbs and spices in diet is found to be very effective to improve calcium concentration in body.

Which are the herbs that can boost the calcium level in body? This is a common query heard from people. Basil, thyme, cinnamon, peppermint leaves and oregano are some among the common herbs that help in boosting the calcium level in body. Do you like to include fish in daily diet? Studies say that regular inclusion of salmon and sablefish are very beneficial to improve calcium level in body. Apart from fishes, you can also get calcium from food sources like sesame seeds, blackstrap molasses and sea vegetables.

Including yogurt in daily diet is one of the best ways to alleviate the risk of calcium deficiency. Improving immunity health, enhancing the strength of bones and teeth are some among the main health benefits of including yogurt in daily diet. Calcivon tablet is one among the best sold herbal products to treat calcium deficiency problem. It is a potent composition of herbs that can alleviate the risk of health issues like osteoporosis. You can intake this product twice per day.

—

It’s one of those hard decisions that every business owner has to make from a very early stage: how do you choose a secure payment gateway? Any business without the ability to send and receive payments online is severely limiting their capacity for growth, but the choice of payment gateway for your website can have just as big of an impact on your bottom line.
There are two major things to consider when choosing a secure payment gateway:
Customer Choice
According to a study from Quality Research Associates, the top-performing online merchants in customer conversion are those that offer the most payment options. By offering at least four choices, you can increase your conversion by 20%.
This shows that shoppers all have their own personal favorite way to pay. The alternative payment market is fragmented differently all around the world, so there’s no one best solution to choose. When choosing a secure payment gateway to accept online payments, if you pick one that offers only one method of payment, no matter how effective or convenient, will alienate many potential customers.
Security
This brings us to the matter of security, both for your customers and for yourself. Many consumers still prefer to use credit cards online and so you should always provide it as an option, but credit cards also come with increased security risks, so it’s important to do your research when choosing a credit card payment gateway.
In fact, any type of payment card comes with its own risks, but you can kill all those birds with one stone by making sure to go with a PCI compliant payment gateway. PCI compliance is designed to prevent payment card fraud through a set of data controls and best practices. PCI compliant companies are those proven to fulfill a set of annual security requirements.
But it’s also important to offer alternatives to payment cards. Due to increased security concerns, more and more consumers prefer alternative payment options. Credit cards, once the be-all and end-all of online payments, have been watching their e-commerce market share disappear to more secure, versatile and money-saving alternatives in the form of e-wallets.
When choosing a secure payment gateway, you need to consider what your customers want, and what they want is both security and choice. It’s an important decision, so do your research and find a secure payment gateway that best suits both your needs and those of your customers. It’s a choice that can help to shape the future of your business, for better or for worse.