Saturday, January 16, 2010

Seize back control of your online business

As any astute online business owner will tell you, good control is a basic fundamental of good management.

Nobody would think to operate a business without having at the least a decent level of control over it.

Yet, when you accept credit cards online via the current real time online credit card payment processing system set up to handle things automatically you hand over one of the most critical of decision making responsibilities to systems beyond your control.

When accepting credit card payments 'live' online your third party payment gateway processor in association with your merchant account system will, in effect, make the decision as to what orders and credit cards your business accepts and charges.

You can be fast asleep then wake up to find your business has already accepted 20 payments for items or services without even you knowing. This is what live processing of credit cards online is all about - blindly attempting to transact credit card payments entered by anywhere and from anywhere on the open internet.

While automation may be a wonderful thing to some businesses the fact is you are completely blind to the process and are at the mercy of systems not under your control.

But what happens when their systems fail and it processes a credit card payment that later turns out to be fraudulent? What happens when all the much touted (and costly) extra terrific "fraud screening plug-in's" or fantastic "fraud alert system" add-on's fail? Do they take financial responsibility for their own system's failure?

No. It's your fault. You are the one to wear the loss!

Absolutely outrageous, that's what I say.

You only have to look at the growing 'card-not-present' credit card fraud statistics to learn this is becoming an increasingly dangerous likelihood for many online business owners.

In fact, near all of the online credit card fraud in the world today is perpetrated via the real time live online credit card processing method.

For those within the online payment processing industry this is of course perfectly normal practice. Indeed, some may even think it down right troublesome of me to be bringing this strange anomaly to light, after all, this is the way its always been, this is how its done to this very day and this is exactly how the powerful online credit card processing industry plans on keeping it.

Well, despite it not winning me any friends within the industry, I'm here to tell you that's not the way it has to be any longer.

Times are changing and people are starting to make decisions to protect themselves and their online businesses. No longer do you and your business need to be exposed to this absurd risk.

The e-Path manual credit card payment gateway puts an immediate end to the potentially devastating 'Russian roulette' nature of accepting credit cards online where you as the business owner have no control over what credit card payments your own business accepts.

With e-Path it is the bank approved merchant faculty owner who will safely charge the card offline, well away from the risks of the open internet, should they choose to accept the order in the first place. The business owner is in control of their business.

The online business owner of course still needs to be vigilant because they are receiving card not present payments but with e-Path you have the opportunity to check highly pertinent information about the buyer first BEFORE any harm is done - something you can not do when set up to accept and transact credit cards live and automatically online with the much more expensive real time online payment processing method.

So not only is e-Path a less expensive and more secure system but e-Path is also ideal for those who want to accept credit cards online but don't want online orders and payments to be automatically accepted and charged blindly on the open internet without them knowing.

Seize back control of what orders and payments are accepted online and save a considerable amount of money along the way.

... just a thought
Peter Thwaites


  1. Mr. Thwaites,

    I love what E-Path is doing, and recommend your service to a number of clients.

    There are a few places were the quality of product and the perception of quality don't quite line up: the graphics and professionalism of the processing pages.

    Credit card logos, Thawte logos, e-Path's own graphics—almost all of these are either blurry, have poorly anti-aliased text, or Dreamweaver layout and code.

    Customer's could benefit from a customisable transaction page that uses the referrer's CSS (ala, or a themed E-Path page.

    If nothing else, PLEASE let me redo your graphics, it will make a tremendous difference to your end users.

  2. Thank you Torin for your feedback.

    If you believe our graphics could possibly be improved upon then we would be happy to talk to you further about this. Please contact me directly.

    Regards the customisable gateway system. This request is an extremely popular one and it has not gone ignored.

    As from February 2011 e-Path will be offering the ability to provide customisable payment and receipt pages to our customers.

    This is possible because with e-Path each gateway customer has their own exclusive system with their own encryption/decryption processes, payment and receipt pages.

    Due to our security level no system is permitted to "write" to any areas within the secured environment. Therefore customising will be performed manually by senior e-Path security administrators.

    There will be a one time cost associated with this and very strict conditions apply. For example, all images, data, html, css etc are to be hosted and fully contained within your exclusive secure payment gateway system on our servers. No external linking or outside communication is permitted.

    If you would like to avail your client/s of this optional custom service please let us know.

    Your feedback is very much appreciated, thank you Torin.

    Best regards

    Peter Thwaites

  3. This comment has been removed by a blog administrator.

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