NBS Agents >> Merchant Account Agent and ISO Programs

I have a merchant account as i have run a business for several years. I opened a new business and have applied for a new merchant account and was refused as the business is classed as high risk it is the same as what i currently do i am spliting the business in two so i have a north and a south. I run the south and my collegue runs the north. My provider cardent after some debate said they would give me a merchant account if i put £20K as a holding deposit. i have never had a customer dispute in all the years i have ran my merchant account and turn over £250K a year. I do not have the money obvisouly to sit in there bank account.

Does anybody know a any company were you can process the payments they hold the money for however many days/month then pass to you.
Customer pay direct over the telephone so i do not think they would be very happy if i then went and processed there card via paypal.

Have you tried Netbanx? They’re UK based and you can talk to them about any problems you have. We were changing from Paypal to them before we changed the focus of the business that we needed the facility for and found them very helpful.

1. My mum removed old vinyl flooring that had been covered with our tiles to put down new tiles in the kitchen. We didn’t really know about asbestos till after and this is an old house (built in the 50s). I walked around in the room for a day and even prepared a meal in there, before we found out and had the floor sealed and wiped all the surfaces down. We phoned the enviromental health people and they said those tiles may have had a very low level of asbestos, but I’m worried about the adhesive that was used too.

2. I was asked to scrape some old sticky-tape off a wall at work in a cleaning cupboard. I noticed the wall next to it (a corner support) had an asbestos warning sticker on it so I told my boss. He said it was just the wall with the sticker and i had nothing to worry about, so I carried on scraping, bits of paint flaking off as I went. It was only when I got home I read that the type likely used on structural supports is the spray coating (most dangerous) and that it has often splashed onto surrounding walls during construction. I am now kind of terrified. It was just the paint that was flaking off, and I know that the room had been painted many times since the 80’s, but I think there’s still a risk.

I’m a worry-merchant by nature and I’m scared I’ll spend the rest of my life worried about these two events. Am I likely to get an asbestos related disease like cancer?
ps I don’t smoke

Any exposure to asbestos fibres presents a theoretical risk and is therefore best avoided so far as possible. But based on what you have said I would consider the risk was very low.

Hope this puts your mind at ease.

I work for a company that sells household product over the phone. We need a new merchant account. We where shutdown from our prior due to they did not support our type of business. Does anybody have a recommended solutions? I have looked into off shore processing but haven’t gotten very far. Just looking for some ideas, or a sales agent that can help. Thank you – Mike

Costco

Citizen Group of companies is a young and dynamic media company, with a youthful and enthusiastic team determined to accomplish the vision of becoming a World-class Indian Publishing & Online Media.

Citizensindia.com is a leading structured local search, directory and media company that connects consumers and merchants through trusted content, local expertise and user-friendly tools. By delivering trusted content citizensindia.com empowers users to make easy decisions about where to spend their time and money.
Our business philosophy is based on four core values:

Customer Focus

Operational Excellence,

Product Leadership and

People.

We believe that the ultimate identity and success of our company will reside in the exceptional quality of our people and their extraordinary efforts. For this reason, we are committed to hiring, developing, motivating and retaining the best people in the industry.

Our mission is to be World-class Indian Publishing & Online Media benchmarking ourselves against international standards and best practices in terms of product offerings, technology, service levels, risk management and audit & compliance. The objective is to build sound customer base across distinct businesses so as to be a preferred Yellow Pages & Call Centre Services for target retail and wholesale customer segments, Professionals, Industries & Other Small & Medium enterprises so as to achieve a healthy growth in profitability, consistently & business in crores. We are committed to do this while ensuring the highest levels of ethical standards, professional integrity, corporate governance and regulatory compliance.

Our business strategy emphasizes the following :-

1. Increase our market share in India’s expanding Yellow Pages & Call Centre Services industry by following a disciplined growth strategy focusing on quality and not on quantity and delivering high quality customer service.
2. Leverage our technology platform and open scaleable systems to deliver more products to more customers and to control operating costs.
3. Develop innovative products and services that attract our targeted customers and address inefficiencies in the Indian advertising sector.
4. Focus on high earnings growth with low volatility.

COMPANY PROFILE

Citizen Group of Companies
•Citizen Infoline Ltd.
•Inception: 1994 & 1996.
PROMOTER DIRECTORS

Mr. O. P. Jain & Mr. T. S. Jain.

The Promoters of Citizen Group Mr. O. P. Jain & Mr. T. S. Jain were initially involved in Textile business and later diverted their business to Finance and Investment sector.

The Promoters have formed a company called "Citizen Securities Limited" in year 1994 for the finance and investment business and came out with a Public issue aggregating Rs. 322 Lacs in year 1995 which was oversubscribed by 108 times. Further in year 1996 they constituted another company named "Citizen Amusement & Organizers Ltd" for real estate business.

Later in year 1997 the Group has diversified its business in to "INFORMATION TECHNOLOGY" in association with A & M Communication Pvt. Ltd. and has launched Tele Information Service on Telephone no. 211 2222 in Ahmedabad city. The revolutionary concept that has changed the way people buy Products & Services.

After detail research & exploration in the field of advertising and communication, The group has launched first of it’s kind Yellow Pages with two additional features for the first time in India with the brand name of "Citizen’s Yellow Pages" having assistance of Call Centre and inbuilt Telephone Diary in year 2001.

These two new !! features in the field of Yellow Pages added by Citizen group has made the Yellow Pages more frequently used and covered lots of negative points and limitation the print media. It’s the one and only Yellow Pages in India with online help. The Yellow Pages is having backup of Call Centre which helps it’s users to find any Products or Services from The Yellow Pages and the inbuilt Telephone diary in the Yellow Pages make the Yellow Pages frequently used, that is how the advertisers of Yellow Pages gets more business compare to other Yellow Pages.

Subsequent to this features company started first of its kind Yellow Pages website with the help of which user started getting information of products and services online. Addition to this was the customers display advertisement available online which helped them to generate more business.

The company has started its first branch from Ahmedabad city and after getting great success of the unique Yellow Pages and iNFOLINE Services in Ahmedabad, The company has started branches in others cities i.e. Mumbai, Chennai , Pune, Vadodara, Surat & Rajkot .

FUTURE EXPANSION PLANS:

The company is highly optimistic about its future expansion of business and planning to start branches of Yellow Pages and iNFOLINE Services in all Metro and other big cities of

find an online translator, because no one will be willing to translate that for you word for word.

MULTIPLE CHOICE:

1. Spanish injustice against Native Americans included
A.the practice of indigenous religion.
B.the destruction of native temples.
C.forced conversion to Christianity.
D.forced labor and the confiscation of land.

2. The first circumnavigation of the world was completed by the crew of
A.Vasco da Gama.
B.Pizarro.
C.Columbus.
D.Magellan.

3. Cortes’s expeditions were motivated primarily by the desire
A.to place Mexico under Portuguese rule.
B.to control the spice trade.
C.for gold.
D.to find sources of slave labor.

4. England was declared a commonwealth after the defeat of
A.Oliver Cromwell.
B.Charles I.
C.Charles II.
D.George II.

5. The French and Indian War involved disputes over
A.land claims and fur-trading rights.
B.smuggling and shipbuilding in colonial ports.
C.French adherence to the Navigation Acts.
D.the right to tax Canadian colonists.

6. The policy of summoning civilian men into military service is
A.conscription.
B.scorched-earth.
C.coup d’etat.
D.feudalism.

7. The Declaration of the Rights of Man guaranteed all of the following EXCEPT
A.freedom of speech.
B.equal rights for women.
C.freedom of religion.
D.protection against arbitrary arrest.

8. One of the National Assembly’s most important reforms was to
A.lower taxes on the nobility.
B.abolish feudal dues.
C.restore absolute monarchy.
D.raise taxes on the artisans.

9. Before the revolution, members of the Third Estate had
A.a smaller tax burden than the other estates.
B.a voice in government equal to that of the First and Second Estates.
C.greater political influence than the clergy.
D.a high tax burden and little political power.

10. A major factor in Napoleon’s failure to defeat Russia was
A.the harsh Russian winter.
B.Russian naval supremacy.
C.the opposition of the Catholic Church.
D.the Continental System.

11. Pedro Alvares Cabral’s defeat of the Arab fleet helped to establish
A.Portuguese control of the Indian Ocean.
B.Spanish dominance in South America.
C.Spanish control of the Spice Islands.
D.the spread of Christianity in the Americas.

12. The formation of joint-stock companies allowed private investors to
A.make government-chartered banks obsolete.
B.share the risks and profits of an undertaking.
C.obtain church support for voyages of exploration.
D.use coins as a medium of exchange.

13. By 1650, the population of Europe had reached about
A.20 million.
B.50 million.
C.55 million.
D.100 million.

14. The European class that benefited most from the economic expansion of the Commercial Revolution was the
A.peasantry.
B.nobility.
C.merchant class.
D.clergy.

15. In the West Indies, Columbus believed that he had discovered
A.a "New World."
B.Asian islands off the coast of India.
C.the Northwest passage.
D.Australia.

16. A rebellion of enslaved Africans led to the proclamation in 1804 of an independent
A.Brazil.
B.Bahamas.
C.Haiti.
D.Peru.

17. The greatest increase in trade during the 1600s took place in
A.countries bordering the Atlantic Ocean.
B.countries bordering the Mediterranean Sea.
C.Germany and Italy.
D.countries along the overland trade routes to Asia.

18. The first European country to explore the Atlantic in search of a sea route to Asia was
A.England.
B.Spain.
C.Portugal.
D.the Netherlands.

19. Through the 1500s, merchants raised the money for overseas ventures primarily from
A.banking families.
B.government-chartered banks.
C.individual entrepreneurs.
D.feudal lords.

20. The Act of Union in 1707 united
A.England and Ireland.
B.the House of Stuart with the House of Hanover.
C.England and Scotland.
D.France and Scotland.

SHORT ANSWER:

21. Critical Thinking Describe the expedition of Ferdinand Magellan. Who sponsored his voyage? What did it prove?

22. Critical Thinking Describe the class structure of prerevolutionary French society.

Obviously, this is your homework.

NO ONE wants to do YOUR homework.

Yeah right.. A study guide.
HA!

1. Spanish injustice against Native Americans included
A.the practice of indigenous religion.
B.the destruction of native temples.
C.forced conversion to Christianity.
D.forced labor and the confiscation of land.

2. The first circumnavigation of the world was completed by the crew of
A.Vasco da Gama.
B.Pizarro.
C.Columbus.
D.Magellan.

3. Cortes’s expeditions were motivated primarily by the desire
A.to place Mexico under Portuguese rule.
B.to control the spice trade.
C.for gold.
D.to find sources of slave labor.

4. England was declared a commonwealth after the defeat of
A.Oliver Cromwell.
B.Charles I.
C.Charles II.
D.George II.

5. The French and Indian War involved disputes over
A.land claims and fur-trading rights.
B.smuggling and shipbuilding in colonial ports.
C.French adherence to the Navigation Acts.
D.the right to tax Canadian colonists.

6. The policy of summoning civilian men into military service is
A.conscription.
B.scorched-earth.
C.coup d’etat.
D.feudalism.

7. The Declaration of the Rights of Man guaranteed all of the following EXCEPT
A.freedom of speech.
B.equal rights for women.
C.freedom of religion.
D.protection against arbitrary arrest.

8. One of the National Assembly’s most important reforms was to
A.lower taxes on the nobility.
B.abolish feudal dues.
C.restore absolute monarchy.
D.raise taxes on the artisans.

9. Before the revolution, members of the Third Estate had
A.a smaller tax burden than the other estates.
B.a voice in government equal to that of the First and Second Estates.
C.greater political influence than the clergy.
D.a high tax burden and little political power.

10. A major factor in Napoleon’s failure to defeat Russia was
A.the harsh Russian winter.
B.Russian naval supremacy.
C.the opposition of the Catholic Church.
D.the Continental System.

11. Pedro Alvares Cabral’s defeat of the Arab fleet helped to establish
A.Portuguese control of the Indian Ocean.
B.Spanish dominance in South America.
C.Spanish control of the Spice Islands.
D.the spread of Christianity in the Americas.

12. The formation of joint-stock companies allowed private investors to
A.make government-chartered banks obsolete.
B.share the risks and profits of an undertaking.
C.obtain church support for voyages of exploration.
D.use coins as a medium of exchange.

13. By 1650, the population of Europe had reached about
A.20 million.
B.50 million.
C.55 million.
D.100 million.

14. The European class that benefited most from the economic expansion of the Commercial Revolution was the
A.peasantry.
B.nobility.
C.merchant class.
D.clergy.

15. In the West Indies, Columbus believed that he had discovered
A.a "New World."
B.Asian islands off the coast of India.
C.the Northwest passage.
D.Australia.

16. A rebellion of enslaved Africans led to the proclamation in 1804 of an independent
A.Brazil.
B.Bahamas.
C.Haiti.
D.Peru.

17. The greatest increase in trade during the 1600s took place in
A.countries bordering the Atlantic Ocean.
B.countries bordering the Mediterranean Sea.
C.Germany and Italy.
D.countries along the overland trade routes to Asia.

18. The first European country to explore the Atlantic in search of a sea route to Asia was
A.England.
B.Spain.
C.Portugal.
D.the Netherlands.

19. Through the 1500s, merchants raised the money for overseas ventures primarily from
A.banking families.
B.government-chartered banks.
C.individual entrepreneurs.
D.feudal lords.

20. The Act of Union in 1707 united
A.England and Ireland.
B.the House of Stuart with the House of Hanover.
C.England and Scotland.
D.France and Scotland.

SHORT ANSWER:

21. Critical Thinking Describe the expedition of Ferdinand Magellan. Who sponsored his voyage? What did it prove?

22. Critical Thinking Describe the class structure of prerevolutionary French society

Nice study guide!

A Cave of Robbers
JESUS had ample reason to say that greedy merchants had turned God’s temple into "a cave of robbers." (Matthew 21:12, 13) To pay the temple tax, Jews and proselytes from other lands had to exchange their foreign money for acceptable currency. In his book The Life and Times of Jesus the Messiah, Alfred Edersheim explains that money changers used to set up their businesses in the provinces on Adar 15, a month before Passover. Beginning on Adar 25, they moved into the temple area in Jerusalem to capitalize on the tremendous influx of Jews and proselytes. Dealers ran a thriving business, charging a fee for every piece of money exchanged. Jesus’ reference to them as robbers suggests that their fees were so excessive that they were, in effect, extorting money from the poor.
Some could not bring their own sacrificial animals. Anyone who did so had to have the animal examined by an inspector at the temple—for a fee. Not wanting to risk having an animal rejected after bringing it a long distance, many bought a Levitically "approved" one from corrupt dealers at the temple. "Many a poor peasant was well fleeced there," says one scholar.
There is evidence that onetime high priest Annas and his family had a vested interest in the temple merchants. Rabbinic writings speak of "the [temple] Bazaars of the sons of Annas." Revenue from the money changers and from the sale of animals within the temple grounds was one of their main sources of income. One scholar says that Jesus’ action in evicting the merchants "was aimed not only at the prestige of the priests but at their pockets." Be that as it may, his enemies surely wanted to do away with him!—Luke 19:45-48.

Pope calls for peace in 2010 USA TODAY News of Religion. Will the Pope talk about the Bible basic need for peace or just secular money laws? And does he back God’s kingdom or the human U.N. for peace? Are they one in the same or in conflict with each other? He give teeth to the U.N. for peace or just a world secular money fix? Who will the U.N. bite with those teeth? Counterfeit clergy? The Bible says yes! Revelation 17:16 "And the ten horns [nations] that you saw, and the wild beast [U.N.], these will hate the harlot [counterfeit clergy and their church fraud business] and will make her devastated and naked, and will eat up her fleshy parts [money and belongings] and will completely burn her with fire. [put them out of business completely as illegal fraud counterfeiters]" Same in Jesus day!

Just as American culture secularized [pagan] Christmas, it’s secularizing [pagan] Easter." Another counterfeit holiday putting on a show of being Christian! And the clergy get rich from people going to their church and stores [they own!] Note Matthew 6:24 “No one can slave for two masters; for either he will hate the one and love the other, or he will stick to the one and despise the other. YOU cannot slave for God and for Riches." Time to look into who your clergy really love, God and you or your money only? A counterfeit bill religion will not buy anything from God! He is not fooled, are you? Back tax the fraud clergy and their money making secular businesses since it is not a genuine religion, make it a world money Stimulus Plan by way of the U.N.! We will not get life by fraud customs and teachings of counterfeit Christian clergy! So tax them this time!

Jesus would agree with that plan John 2:16, 17 "And he said to those selling the doves: “Take these things away from here! Stop making the house of my Father a house of merchandise!”

How many other counterfeit teachings do they feed us? Look into it! January 13, 2010
Oregon Governor Ted Kulongoski, Religious Fraud Counterfeiters will be punished soon! Governor Ted Kulongoski Fax: 503.378.6827 you are the first to need to know that fact!

I don’t look to the UN to save us from church corruption, if it exists.

We are a new merchant planning on launching an online auction website. Our business falls into higher risk category because it is an online auction plus it involves reserve deposit, capture deposit, and then transfer of deposit. My boss wants me to come up with a solution for the payment process by the end of the week. Our business model violates the rules of various third party processors such as Amazon FPS, Braintree, etc. Authorize.net has APIs to support our business model but I am yet to receive a reply from them. Paypal and GoogleCheckout are off the list because of bad reviews.

The problem is I am not 100% clear on issues such as PCI compliance, how to store the credit card information, etc (I just recently learned about merchant accounts and gateways). What would be a good place to start? How should I go about with my research? Any suggestion would be very helpful(By the way, although my boss is from US I am from Asia so it is not possible for me to make phone calls to various providers. I am trying to communicate with them through emails)

If you are to be dealing with lots of international transactions as well as large sums of money, I would recommend you checking out Global Collect and talking with one of their agents to see if they offer the services you will be needing.

1. Spanish injustice against Native Americans included
A.the practice of indigenous religion.
B.the destruction of native temples.
C.forced conversion to Christianity.
D.forced labor and the confiscation of land.

2. The first circumnavigation of the world was completed by the crew of
A.Vasco da Gama.
B.Pizarro.
C.Columbus.
D.Magellan.

3. Cortes’s expeditions were motivated primarily by the desire
A.to place Mexico under Portuguese rule.
B.to control the spice trade.
C.for gold.
D.to find sources of slave labor.

4. England was declared a commonwealth after the defeat of
A.Oliver Cromwell.
B.Charles I.
C.Charles II.
D.George II.

5. The French and Indian War involved disputes over
A.land claims and fur-trading rights.
B.smuggling and shipbuilding in colonial ports.
C.French adherence to the Navigation Acts.
D.the right to tax Canadian colonists.

6. The policy of summoning civilian men into military service is
A.conscription.
B.scorched-earth.
C.coup d’etat.
D.feudalism.

7. The Declaration of the Rights of Man guaranteed all of the following EXCEPT
A.freedom of speech.
B.equal rights for women.
C.freedom of religion.
D.protection against arbitrary arrest.

8. One of the National Assembly’s most important reforms was to
A.lower taxes on the nobility.
B.abolish feudal dues.
C.restore absolute monarchy.
D.raise taxes on the artisans.

9. Before the revolution, members of the Third Estate had
A.a smaller tax burden than the other estates.
B.a voice in government equal to that of the First and Second Estates.
C.greater political influence than the clergy.
D.a high tax burden and little political power.

10. A major factor in Napoleon’s failure to defeat Russia was
A.the harsh Russian winter.
B.Russian naval supremacy.
C.the opposition of the Catholic Church.
D.the Continental System.

11. Pedro Alvares Cabral’s defeat of the Arab fleet helped to establish
A.Portuguese control of the Indian Ocean.
B.Spanish dominance in South America.
C.Spanish control of the Spice Islands.
D.the spread of Christianity in the Americas.

12. The formation of joint-stock companies allowed private investors to
A.make government-chartered banks obsolete.
B.share the risks and profits of an undertaking.
C.obtain church support for voyages of exploration.
D.use coins as a medium of exchange.

13. By 1650, the population of Europe had reached about
A.20 million.
B.50 million.
C.55 million.
D.100 million.

14. The European class that benefited most from the economic expansion of the Commercial Revolution was the
A.peasantry.
B.nobility.
C.merchant class.
D.clergy.

15. In the West Indies, Columbus believed that he had discovered
A.a "New World."
B.Asian islands off the coast of India.
C.the Northwest passage.
D.Australia.

16. A rebellion of enslaved Africans led to the proclamation in 1804 of an independent
A.Brazil.
B.Bahamas.
C.Haiti.
D.Peru.

17. The greatest increase in trade during the 1600s took place in
A.countries bordering the Atlantic Ocean.
B.countries bordering the Mediterranean Sea.
C.Germany and Italy.
D.countries along the overland trade routes to Asia.

18. The first European country to explore the Atlantic in search of a sea route to Asia was
A.England.
B.Spain.
C.Portugal.
D.the Netherlands.

19. Through the 1500s, merchants raised the money for overseas ventures primarily from
A.banking families.
B.government-chartered banks.
C.individual entrepreneurs.
D.feudal lords.

20. The Act of Union in 1707 united
A.England and Ireland.
B.the House of Stuart with the House of Hanover.
C.England and Scotland.
D.France and Scotland.

SHORT ANSWER:

21. Critical Thinking Describe the expedition of Ferdinand Magellan. Who sponsored his voyage? What did it prove?

22. Critical Thinking Describe the class structure of prerevolutionary French society

1. Well all of those seem to work, but A) the practice of indigenous religion seems more consistent.
2. Magellan- his crew finished for him that is.
3.lust for gold
4. Charles I
5. A. land claims and fur-trading rights
6. A. conscription.
7. B. equal rights for women.
8. B. abolish feudal dues.
9. D. a high tax burden and little political power. (I believe this is it because they were considered useless to the then King.)
10. A. the harsh Russian winter.
11. A. Portuguese control of the Indian Ocean. (On his second voyage to India in 1502, the new "Admiral of the Indian Ocean" led 20 ships against rival Arab traders and secured military supremacy in Calicut and Goa)
12. n/a
13. D. 100 million. (though thats when it started to decline as well.)
14. C. merchant class
15. B. Asian islands off the coast of India.
16. C. Haiti
17. A. countries bordering the Atlantic Ocean.
18. C. Portugal.
19. I thought that was joint-stock companies, so I guess its B. banks
20. C. England and Scotland.

I am currently starting up an internet business. I know that there are a lot of risks when working online, especially in the area of fraud and people using stolen CC details etc.

Due to these risks I am going to signup for a High Risk Merchant Account.

This will be more leniant in the way of chargebacks and my funds wont simply get frozen if I get a few chargebacks unlike banks within the UK where there are close to none High Risk Merchant Accounts.

Is it legal to have an offshore merchant account within tax laws and simply the case of having the account?

I don’t know this type of account but it is certainly lawful to have any type of account you want, wherever you want it. Any profits in that bank account need to be included in your business accounts for tax purposes, of course.