Have you ever asked to have your money refunded after buying
something online? Do you do this often? What are the reasons
you’ve asked for refunds? Savvy marketers will try to find out
why without making you feel you should not have asked. This
would be valuable information to them. Anyone selling on the
internet should be willing to have a fair and prompt refund
policy. To back up their products and claims without hesitation.
It is especially important to do with online sales since the
transaction is done without being able to “read” the salesperson
and operation face to face.

Fairness and ethical behavior goes both ways. Due to the fact
that online info products and downloadable software are easy to
copy and “keep” while also obtaining a refund, the buyer kind of
has a special “burden of honor” too. I have asked for refunds
when a product was totally misrepresented and poorly done. In
one instance the video and audio courses were sold as being
“convenient and viewable anytime and anyplace”. Turns out it was
a convenience for the marketer since you had to view them from
his site, and you guessed it, the site was very, very S-L-O-W.
If I buy something costly and you sell me like that, I want to
download and OWN it.

Another time I went through an ebook that had not been cheap to
buy and it just didn’t contain too much I didn’t already know. I
was just about to ask for a refund (and no,I don’t do that often, only a few times EVER) when I decided to look again at the ads that made me bite on the offer. The seller had not misrepresented anything. And his offer and presentation were not “junky”. I simply had learned more about the subject than I thought and hadn’t realized it. Good for me! The additional value for methen became studying what was very good ad copy. I didn’t ask for that refund.

A common situation you may find yourself in is not being ready
for the level of material you are reading. A little more study
at the basic level and perhaps simply putting the material away
until you are ready may be the answer. Some advanced topics
will not make sense without base knowledge. Due to the vast
scope of some subjects it might be hard to cover it in one
product or course series.

Don’t hesitate to ask for a refund if you truly feel the product was misrepresented. Educate that marketer about what you feel was wrong. If they don’t improve, they deserve to give all their money back. Just don’t be one of those awful people who buys an expensive product KNOWING they are going to ask for a refund. That’s the same as stealing and is unethical. If we want the convenience and gratification of being able to immediately download what we have purchased to continue, we can’t bleed
the online merchants dry.

This article may be distributed freely on your website, as long
as this entire article, including links and this resource box
are unchanged. Copyright 2004 Kim D Regan All Rights Reserved
FortuneExpo www.fortuneexpo.com

To increase sales on your website, you must accept credit
cards. To process credit cards, you could apply for a
merchant account through your bank or other financial
institution.

Sometimes, though, you would be further ahead to use the
services of a credit card processor. This is especially
true when you are first starting out and have more
limited resources. In this way, you may process credit
card transactions without the high front-end costs and
requirements of a merchant account.

Here, then, are just a few ways of accepting credit cards
without a merchant account. I personally use all of these
vendors and can recommend them wholeheartedly.

1. Clickbank

If your product is downloadable (such as electronic books
or software), you might consider ClickBank.com . For a
$49.95 initial fee, you can process credit cards and
on-line cheques for $1.00 per transaction plus 7.5% of
sales.

You receive additional exposure through free listing on
their website and through the search facilities of other
websites, such as CBMall.com .

As an added bonus, you have your own built-in affiliate
program. You decide what commission (from 1% to 75%) you
would like to pay your affiliates.

2. PayPal

PayPal.com has no initial fees. For just 2.9% of sales
and $ .30 per transaction (and sometimes less), you can
receive money from anyone.

Also, you can pay others by credit card or chequing account
without supplying your personal credit information to the
payee. PayPal can be used to collect money from your
auctions, website sales, or even from friends or clients.

3. PaySystems

PaySystems.com can handle either intangible (downloadable)
or tangible (shippable) products. For an initial fee of
$49.00, you can accept all major credit cards as well as
online checks. Fees are just 3.95% of sales and $1.00 per
transaction. Alternatively, you may pay 5.5% of sales and
$ .35 per transaction.

For this, you receive shopping cart, integration with
third-party affiliate programs (such as ClixGalore.com ),
fraud screening, multi-currency transactions, toll-free
support, marketing tools, and more.

For more information on how to accept credit cards without
a merchant account, visit:
http://www.yenommarketinginc.com/creditcards.html

RESOURCE BOX:

J. Stephen Pope, President of Pope Consulting Inc.,
http://www.popeconsultinginc.com/ has been helping clients
to earn maximum business profits for over twenty-five years.

For valuable Work at Home Small Business Ideas, visit
http://www.yenommarketinginc.com/

ClickBank.com can offer you multiple solutions for
your e-commerce business. Here are some of the
advantages of using ClickBank.

1. Accept Credit Cards Without a Merchant Account

If your product is downloadable (such as electronic
books or software), ClickBank may be an excellent
solution for you. For a $49.95 initial fee, you can
process credit cards and on-line cheques for $1.00
per transaction plus 7.5% of sales.

2. Start Your Own Affiliate Program

With ClickBank, you have your own built-in affiliate
program. You decide what commission (from 1% to 75%)
you would like to pay your affiliates.

To learn more about ClickBank.com, visit
http://www.yenommarketinginc.com/buy/clickbank.html

3. Receive Free Advertising

You receive additional exposure through free listing
on the ClickBank website and through the search
facilities of other websites, such as CBMall.com.

To learn more about CBMall.com, visit
http://www.yenommarketinginc.com/buy/cbmall.html

4. Obtain Referral Commissions

Even without applying for ClickBank credit card
processing, you can earn referral commissions on
thousands of ClickBank Marketplace products.

To learn more about ClickBank Marketplace, visit
http://www.yenommarketinginc.com/buy/clickbank-marketplace.html

5. Eliminate Sales Tax Problems

Are you registered for Value Added Tax (VAT) for
online transactions for European Union (EU)
countries since July 1, 2003?

Are you collecting the appropriate state or
provincial sales taxes?

If you are a Canadian, are you aware of your
obligation to collect Goods and Services Tax (G.S.T.)
and Harmonized Sales Tax (H.S.T.) on Internet
transactions?

Again, ClickBank may be your solution. ClickBank
is registered for EU purposes and adds the
appropriate VAT to each transaction.

As well, to deal with ClickBank, you must agree to
sell your product to them. ClickBank then resells
your product to their customers. Thus, ClickBank
becomes the retailer responsible for collecting
sales taxes — not you. Obviously, ClickBank will
not be subject to sales taxes in most jurisdictions.

Since ClickBank is located in the United States and
can only sell or use the products it sells from
there, it would appear that Canadian G.S.T. and
H.S.T. would not be applicable to them.

Of course, this is not legal advice. To determine
your liability for sales and similar taxes, consult
your lawyer and accountant.

To read more about sales taxes on Internet
transactions, visit
http://www.yenommarketinginc.com/e-commerce-tax.html

Considering its many advantages, ClickBank may well
be your e-commerce solution!

Resource Box:
J. Stephen Pope, President of Pope Consulting Inc.,
http://www.popeconsultinginc.com/ has been helping clients
to earn maximum business profits for over twenty-five years.

For valuable Work at Home Small Business Ideas, visit
http://www.yenommarketinginc.com/