~ :: D@tameg :: ~

Tukar ke KASPERSKY 2016 Sekarang!

2015-09-01T10:21:00.000+08:00

Kaspersky Antivirus - antivirus only, without firewall.

Kaspersky Internet Security - antivirus + firewall. If you online oftenly(don't you?), you will need internet security instead of antivirus, because antivirus can't block hackers on the internet, it just blocks viruses.

Why choose Kaspersky?:

Seriously, I have been in this selling antivirus industry for a few years. All I can say is no antivirus beats Kaspersky. Its detection of viruses simply beats its competitors.

Nowadays data and our PCs are the most important things to us. Don't risk by saving some money and use free antivirus. Online scams, internet banking frauds are very common. And I can tell you if you use Kaspersky, you can have a rest of your mind.

For android users, I highly recommend you to get Kaspersky instead of using the free antivirus on Play store. (No, this is not marketing tactic or I would like to get sales. I, personally have used free antivirus for android before and my device still infected by virus(eg: device slow down, device acting very weird). We are using our phone every single day from morning till night. Activities like online shopping, online banking, FB are very personal stuffs. We don't want to risk our device to hackers or viruses. We can spend one or two thousands to get a phone or tablet, we must protect it. Also: it comes with Anti-Theft feature which helps you to recover lost phone in case you lose it.

A) Kaspersky Antivirus 2016/2015 (1 year 1 PC) = RM25
B) Kaspersky Antivirus 2016/2015 (1 year 3 PC) = RM35

C) Kaspersky Internet Security 2016/2015 (1 year 1 PC) = RM30
D) Kaspersky Internet Security 2016/2015 (1 year 3 PC) = RM50 * Hot Item!!!!Selling Fast!

E) Kaspersky Internet Security for Android (1 year 1 device) = RM18

F) Bitdefender Total Security 2015 (1 year 1 PC) = RM30
G) Bitdefender Total Security 2015 (1 year 3 PC) = RM55

Resellers are most welcome!! %%%%% (Contact Me For Special Price Quotes) %%%%%%
Our activation code works on international version ALL AROUND THE WORLD, can use/sell to international buyers. eg: US, UK, CANADA, AUSTRALIA, Singapore, Indonesia, Philippines, Thailand, Vietnam...

Earn easy money like everyone one else does by selling on Facebook, Instagram, Twitter, blog... or even change this email content to your details then forward to your friends and start selling. Buy from me only when you have order. You don't keep stock, so you don't lose money at all. EVERYONE CAN MAKE MONEY ONLINE!! If you find this post useful, kindly share it to your friends to help them secure their PCs or make money $$

*Please note that you are buying -:

FAQ
1) Kedai pun jual dengan harga RM120 untuk KIS 3PC. Yang ni separuh harga pun tak sampai. Biar betul?? Ntah2 code tipu."
Jawapan kami untuk anda : Produk yang kami jual murah kerana:
-Hanya ACTIVATION CODE untuk pengaktifan produk Kaspersky yang anda beli.
-Tidak disertakan kotak yang berwarna-warni yang anda tak guna pun lepas beli.
-Kos seperti pengangkutan dan sewa lot kedai kat LOWYAT dah takda.

2) "Haritu aku ada beli kat kawan aku, tapi kene blacklist juga. Baik beli kat kedai. Lagi selamat." Jawapan kami untuk anda : Soalan ni, memang soalan paling minat untuk kami jawab. Jika anda pernah membeli daripada penjual seperti kami, kemudian lesen Kaspersky anda di'blacklisted' oleh Kaspersky, terdapat TIGA kemungkinan:
i) Pengguna itu sendiri telah menggunakan KOD dengan melebihi had
cth:KIS 1PC diguna di 2 komputer atau lebih.
ii) KOD yang dijual tidak fresh, telah digunakan, atau tidak GENUINE. Genuine KOD mesti tepat 365 hari. TIDAK KURANG TIDAK LEBIH.
iii) Masalah server Kaspersky. Hal ini pernah berlaku sekali dan kami harap ianya tidak akan berlaku lagi.

3) "Kalau kena blacklist juga. Nak buat apa?"
Jawapan kami untuk anda : Anda mempunyai hak yang sama dengan pembeli Kaspersky dari kedai. Jika KOD anda di'blacklisted', Anda hanya perlu beri bukti kepada kami dengan menghantar print screen dan KOD yang bermasalah itu. Kami akan beri KOD lain ATAU duit anda akan kami kembalikan. Tetapi, kami jamin 200% yang KOD ini tidak akan di'blacklist' selagi perkara-perkara diatas tidak berlaku.

Tukar ke KASPERSKY 2015 Sekarang! @ Perbaharui Lesen yang Dah Tamat !

Download here : http://www.kaspersky.com/downloads/internet-security
Or here : http://www.kaspersky.com/trials#tab=tab-1

Order Step :

1) Whatsapp: +60194498945 or email: nezam@nezam.my
2) Wait for my confirmation (I will reply as fast as possible)
3) Make payment
4) Receive activation code + download link of the software(upon request)

Has anyone managed to use Huawei E372 with TP-LINK TL MR3040

2012-11-12T11:19:00.001+08:00

Just wanted to share this...

To make Huawei E372 modem work with TP-LINK TL-MR3040.

Make sure your Firmware Version is : 3.14.2 Build 120822 Rel.40902n else please download here. Please follow the instruction as mentioned in the zip folder
Change Authentication Type : Chap
If necessary only .. your modem still not connected. Go To Advance button and Set Manual else just leave as it is

Thank You!

Sample only :

Cheap Web Hosting with Unlimited Features

Floor Tiles Supplier

2012-02-14T17:56:00.002+08:00

Dapatkan floor tiles/mozek mengikut design yang anda mahu di http://seramikonline.blogspot.com, kami merupakan pembekal sah mozek berjenama ini dan menawarkan harga yang murah dan berpatutan. Segala pertanyaan atau sample/contoh tiles/mozek boleh lah layari laman web kami di http://seramikonline.blogspot.com.

Tukar ke KASPERSKY 2012 Sekarang! @ Perbaharui Lesen yang Dah Tamat !

2012-01-25T00:12:00.000+08:00

Apa yang anda tunggu lagi?
Jangan biarkan Virus Menyusahkan anda!!!
Special Price for Malaysian People...
This is Not a Scam / Cheating, This is Real Price, Real Products!

A) Kaspersky Antivirus 2012 (1 year 1 PC) = RM25

B) Kaspersky Antivirus 2012 (1 year 3 PC) = RM35

C) Kaspersky Internet Security 2012 (1 year 1 PC) = RM28

D) Kaspersky Internet Security 2012 (1 year 3 PC) = RM45

*Please note that you are buying ->

FAQ
1) Kedai pun jual dengan harga RM120 untuk KIS 3PC. Yang ni separuh harga pun tak sampai. Biar betul?? Ntah2 code tipu."
Jawapan kami untuk anda : Produk yang kami jual murah kerana:
-Hanya ACTIVATION CODE untuk pengaktifan produk Kaspersky yang anda beli.
-Tidak disertakan kotak yang berwarna-warni yang anda tak guna pun lepas beli.
-Kos seperti pengangkutan dan sewa lot kedai kat LOWYAT dah takda.

2) "Haritu aku ada beli kat kawan aku, tapi kene blacklist juga. Baik beli kat kedai. Lagi selamat." Jawapan kami untuk anda : Soalan ni, memang soalan paling minat untuk kami jawab. Jika anda pernah membeli daripada penjual seperti kami, kemudian lesen Kaspersky anda di'blacklisted' oleh Kaspersky, terdapat TIGA kemungkinan:
i) Pengguna itu sendiri telah menggunakan KOD dengan melebihi had
cth:KIS 1PC diguna di 2 komputer atau lebih.
ii) KOD yang dijual tidak fresh, telah digunakan, atau tidak GENUINE. Genuine KOD mesti tepat 365 hari. TIDAK KURANG TIDAK LEBIH.
iii) Masalah server Kaspersky. Hal ini pernah berlaku sekali dan kami harap ianya tidak akan berlaku lagi.

3) "Kalau kena blacklist juga. Nak buat apa?"
Jawapan kami untuk anda : Anda mempunyai hak yang sama dengan pembeli Kaspersky dari kedai. Jika KOD anda di'blacklisted', Anda hanya perlu beri bukti kepada kami dengan menghantar print screen dan KOD yang bermasalah itu. Kami akan beri KOD lain ATAU duit anda akan kami kembalikan. Tetapi, kami jamin 200% yang KOD ini tidak akan di'blacklist' selagi perkara-perkara diatas tidak berlaku.

Affordable Shared Web Hosting For All

2012-01-16T18:06:00.000+08:00

Welcome,

Happy New Year 2012!!!! May this year bring happiness and wealth to all of us!!!

Please check this out .. http://www.datameg.org
Affordable shared web hosting for all... see you guys soon..

ATT: Hentian Putra Car Parking Rate (Disember 2010 onwards)

2010-12-22T17:09:00.004+08:00

Attention to all travellers!!!!!!

Untuk berkongsi keperitan dalam kehidupan.. semua harga naik.. minyak naik.. susu tin pun akan naik.. last but not least harga parking pun dah naik!!!

Hentian Putra, stesen bas untuk perjalanan ke pantai timur kini telah mengenakan harga RM3 per entry/day semenjak bulan disember tahun ini. Jadi kepada sesiapa yang masih menganggap harga parking yang lama RM3 per entry diharap tidak terkejut semasa membuat pembayaran kerana perkara ini berlaku kepada saya sendiri dan juga kepada seorang hamba ALLAH yang dikenakan RM51 untuk 2 minggu.

contoh sedikit penerangan :

Harga Dahulu : RM3 per entry
Harga Sekarang : RM3 per entry/day

Jika Dahulu : 3 hari parking = RM3
Sekarang : 3 hari parking = RM9*

* untuk perhatian jika hari jumaat malam anda masuk parking dan keluar pada isnin pagi, ianya dikira 3 hari dan bukanlah 4 hari (jumaat,sabtu,ahad,isnin).

Sekian, terima kasih.

The following translators were not loaded due to errors ...

2010-06-23T15:37:00.003+08:00

Hi,

Just want to share something on what i counter while working with Dreamweaver 8. Last few days, i have this error saying that "The following translators were not loaded due to errors ... ASP.htm" for some reason i believe this is only a temporarily bugs either due to the files or scripting... so what i did was reinstall the dreamweaver application (repair option).. however this seem not to be working either!

Last but not least i try to ask MR. Google, thanks to mr. google have recommend me some usefull links! ...

Conclusion, what you need to do is very simple ...

Find your dreamweaver directory for example :
C:\Documents and Settings\{username}\Application Data\Macromedia\Dreamweaver 8\Configuration\
Delete the WinFileCache-7A9586CB.dat

And you ARE DONE!!!! HuuuRaaaYY....

ref : http://groups.google.com/group/macromedia.dreamweaver/browse_thread/thread/acd1680dc2ebf0f1

PHP Meetup 2010 - 26 June 2010 at MIMOS TPM, Bukit Jalil

2010-06-23T01:01:00.000+08:00

PHP.net.my akan menganjurkan PHP Meetup Sabtu, 26 June 2010 di MIMOS pada pukul 9.30 am - 6 pm di Technology Park ,Bukit Jalil, Kuala Lumpur. Semua di jemput hadir untuk berkongsi ilmu pada hari tersebut. Antara tajuk yang dibincangkan ialah.

Antara tajuk yang akan diperkatakan :
1. Alternative Database System : mongoDB
2. Managing your code : GIT
3. OOP: Gentle Introduction
4. PHP System Implementation in Primary School
5. Overhauling with nginx - part II
6. phpHyppo - a php framework premiere.
7. SQL string manipulation in PHP

Acara ini dianjurkan oleh komuniti http://www.php.net.my/ dengan kerjasama MIMOS Berhad.

Penaja:
AIST - http://www.aist.com.my/
Primus Core - http://www.primuscore.com/
Tri-it - http://www.tri-it.org/

Jumpa di sana !!

Creating A Personal Website Like A Pro

2010-04-09T09:53:00.004+08:00

Hi,

Today i will share with you guys how easily to have a website like a professional. So to make this happen as a start, you need to have 2 things ...

First, Domain Name

Second, Web Hosting

Why ?

1. You need to have a platform for you to place all your scripts and make it accessible throughout the world with a name you've decided. as example: http://www.datameg.com.my. Please note that i will not explain details more about the domain ext. maybe later.. just want a quick start here.

2. Basically after decide your domain name and register it. You need to have a web hosting, to point to.. edit your domain name "nameserver" to point the web hosting you bought (all this info you will get when you sign up with the web hosting).

3. Please note is best to pick a web hosting that suite you scripts requirement ;-).

Last but not least... stop here first... will be continue..

Kopi Tok Guru (Kotak/Papan)

2010-03-08T14:23:00.003+08:00

Kandungan :
Kopi Arabica, Gula Halus, Krimer Bukan Tenusu, Habbatus Sauda', Ganoderma, Madu Lebah, Tongkat Ali dan Fiber.

Sabda Rasulullah :
"Tetaplah kamu dengan Habbatus Sauda'ini kerana sesungguhnya padanya terdapat penawar bagi segala penyakit kecuali as-saam (mati)"
- Hadith Riwayat Bukhari dan Muslim

ETRADE.COM Debit Card Activation

2010-01-09T21:45:00.002+08:00

Hi..

I'm please to share with others on how to activate your etrade.com debit card. For me this is a second time but still having troublesome because of some information provided not correct (while validate my identity).

At first, i have gone through mr. google asking for anybody shared about this information. Just found one but its long time ago.. from the post i found he did mentioned about using skype to call them for activation.. but i have try ask their support and search online seem no luck..

So, what i did is that get iTalk RM10.. call their toll free, enter 1 for Bahasa and enter my iTalk card pin number. Next, you can either ask the operator to make the connection or you can directly enter their number.. from the etrade.com website card activation number is 1 866 767 0813 (just dial... 001 866 767 0813) and the operator will told you how long you will be able to talk.. for example for me.. more than an hour! ...

While connecting.. there will be another operator will inform you that the number you are calling is not a toll-free number and you will be charge for the calls.. you should just ignore and wait... until there will be another operator ask you to : 1. enter your card number .... 2. social security number... then your card should be successfully activated !!!!!!

Hey.. this only if you successfully provide all the info correctlly.. for me 3-4 times i tried.. pass there pass here.. untill one condition where the customer service, card activation operator and me.. talk simultenously to solve the issue.. you know what??? my social security number issue...

ok, for first try.. i manage to enter my card number.. then when asking social security number.. i think a while (not enter anything).. as i am malaysian so what info i need to enter? .. so i just wondering that will be my ic.. after entered.. i am beeing forward to operator for more verificatian.. they ask my name.. ask my account number and my social security no again.. unfortunately.. i can't give the correct one.. so they ask me to call 1 800 387 2331 customer service and update my info before they can activate my card (for security reason they cannot activate my card)..

orait.. once i connected to the customer service and speak with my account advisor.. he double confirm me that all the information is updated and for social security number he said my dob (damn!! this is the reason).. so here i go again call the number again to activate and this time i have enter my dob as social security number and still i have redirected to the operator decline my activation.. they still ask me again to contact the customer service and update my profile. Here at the 2nd time i have called the customer service..this time quite friendly this person try to solve this problem to me where 3 of us like push to talk thingy.. hehehe can talk 3 person at one time.. try to hear whats the problem with the card activation person and my account advisor.. seem this issue cannot be resolve and i have been advise to do some transaction using this new card and check if the card is valid or not (like troubleshoot lol) ...

after hang up.. i believe that this thing will not going anywhere if i'm myself cannot identify my social security number. For the troubleshoot i have try to update my paypal credit card and as aspected the card was decline. So thats it for today!!!

i take one extra step.. i email the support/customer service and describe my problem and the next day they email me my social security number... do u know what it is??? hahahaha... because i don't have the social security number!!! so for my security number just enter default value for social security number!!!!... AAarRRRGGghghhHHh.. so now they accepted.. the number pattern XXX-XX-XXXX... X is a number! only one number! very.. very.. very unbelievable.... what i have been gone through.. just because my stupidest to know this! or.. you guest!! .. i have been wasting my time to call here and there..AAaaarRrGggggHH..

anyway.. my iTalk balance still have Rm3 something.. really hope my experience can reduce others malaysian come to this same issue!!! its take me 1-2 minutes to activate...if everything is fine!

that's all folks.. sorry for the bad english.. just belasah.. don't have time to think for a better words/sentence.. aahahahahahaa...

CHEAP!!!! CHEAP!!!! CHEAP!!!! New Kaspersky Internet Security 2010 @ RM30/1 PC/1 YEAR

2010-01-07T17:10:00.005+08:00

Kaspersky® Internet Security 2010

Kaspersky Internet Security 2010 automatically protects you and your family at all times – whether you work, bank, shop or play online. Kaspersky Internet Security 2010 has everything you need for a safe and secure Internet experience.

>> RM~~25.00~~ 30.00 ONLY!!! <<

* PLEASE NOTE, WE ONLY SELL THE LICENSE CODE FOR ACTIVATION. ONCE PAYMENT MADE, WE WILL SEND YOU THE ACTIVATION KEY TO YOUR EMAIL. LICENSE PRICE IS PER PC. THIS IS NOT CRACK VERSION.

Testimonial : Pada mulanya saya kerap menggunakkan free version of anti virus.. dan so far selalu end ups saya terpaksa format pc bila terkena virus2 yg mencabar ni (maybe kurang ilmu harapkan pakcik google ja).. boleh dikatakan baru even virus lama pun kena (skali trojan lah, dia punya effect sampai tak dapat nak load windows..) slalu scan dan slalu carefull bila copy/transfer/download kononnya free spyware.. sampaikan tak terfikir pc kita MENERIMA ancaman virus/trojan namun salah... setelah menggunakan KIS, aku rasa tenang dan selesa setiap kali melayari internet.. download stuffs.. explore thumb-drive.. dsb. Sebab biasalah masa ni lah nak menguji keberkesanan KIS.. Alhamdulillah setakat ini, KIS tidak menghampakan aku...

Anda Bagaimana? bg saYA trustworthy!!!

Selamat Tahun Baru 2010

2010-01-02T16:48:00.000+08:00

Happy new year to All .... from me and my family.

Harap masih belum terlambat untuk kembali blogging (kurang idea sebab tu sepi) !!! but after some generous comment that give me hope and light...i decide to continue blogging for sharing infos and also experiences with everyone.

May 2010 become the wonder year in our life .... great deals and more opportunities coming ... wait for all of this at @datameg.blogspot.com

Nezam

Programmer’s life

2009-11-17T11:47:00.002+08:00

source taken : http://www.pakzilla.com/2007/09/05/programmers-life-cartoon/

Power cut (2-14 hrs) tenaga for Whole M'sia till 8th Aug 09

2009-07-07T13:04:00.003+08:00

Guys, check your respective affected area by below’s link.

Power cut (2-14 hrs) tenaga for Whole M ' sia till 8th Aug 09

There will be power cut (2 - 14 hours) for tenaga to do some maintenance work, from today till 8th Aug 09. Whole M ' sia affected except putra jaya.

To further improve its services to customer, TNB will temporary shut down the electricity supply to carry out maintenance works or upgrade its services to several areas as mentioned below:-

Pls check this website for the time & your area : http://www.tnb.com.my/tnb/power_alert.php

RBS WorldPay XML Direct

2009-06-30T08:42:00.002+08:00

What is XML Direct?

Merchants who collect and store their shoppers' payment details on their own platform can use the XML Direct model as an effective payment-processing gateway. With this model, the merchant collects both order and payment details and then communicates the relevant payment details on a per order basis with RBS WorldPay, for processing. The XML Direct model only allows for using a select number of on-line payment methods, where no consumer interaction is involved. In view of the cost involved in establishing appropriate security measures this model only applies for merchants with established high transaction volumes.

Security
A core issue associated with using the XML Direct model is security. The collection and storage of payment information, such as, card numbers and cardholder names must take place in a secure environment.

Payment Card Industry Data Security Standard (PCI DSS)
PCI DSS is a global Card Scheme initiative that aims to ensure that every entity that handles, stores or processes cardholder data does so in a secure manner. MasterCard and Visa have combined their own security standards for cardholder data creating an aligned program, which is now endorsed by American Express, JCB and Diners. Much of PCI DSS relates to the technology involved in capturing and processing card data and this is particularly relevant to those merchants who process and capture cardholder data on their own systems rather than those who use the secure RBS WorldPay payment pages.

Souce Taken : http://www.rbsworldpay.com/support/kb/gg/3dsecure/dxml1000.html

For integration, you guys can refer to this URL :
http://rbsworldpay.com/support/kb/gg/submittingtransactionsdirect/dxml.html#dxml0001.html

p/s: Use this payment gateway with instantestore.com.

RajaMinda - Produk Kesihatan Untuk Minda

2009-05-26T11:24:00.002+08:00

Peluang terbaik untuk ibubapa hebat memberikan produk perangsang minda bersesuaian mengikut tahap umur dan prestasi minda anak-anak bagi membantu anak-anak berjaya cemerlang penuh bergaya.

Tuntutan dan asakan ilmu baru yang bertubi-tubi menyebabkan ramai anak-anak yang tewas sebelum bertarung dan ibubapa hampir hilang pedoman untuk membantu anak-anak.

Dengan RajaMinda:

Ibubapa boleh membantu membekalkan nutrien minda formula terbaik Dr. Ariffin untuk merangsang minda kelas pertama.
Diskaun belian 20%
Pesanan secara online mudah dan cepat
Boleh menghantar terus kepada anak-anak melalui shipping address
Bonus tajaan RM30 untuk setiap tajaan ahli baru
Komisyen belian 20% oleh tajaan
Komisyen belian 20% oeh pelawat yang membeli melalui web id
Royalti bonus dalam bentuk bonus aras sehingga RM9.750.00
Terkini ! Sistem One Pool Autoplacement. Penyusunan ahli tanpa mengira penaja.

http://www.rajaminda.com/?ref=shah

http://www.rajaminda.com/?ref=shah
http://www.rajaminda.com/?ref=shah

http://www.rajaminda.com/?ref=shah

Elayaway Payment Gateway

2009-02-12T23:23:00.002+08:00

How to Pay Less for Payments

Online retailers can reduce payment-processing costs in many ways, and more cost-saving options are coming. But more alternatives means it’s more important than ever for retailers to know how to play the game.

Bob Dumont is shopping for a new payment processor, but that’s nothing new. The owner of online retailer The Bowl Co. says he’s changed processors at least three times in the last three years, taking advantage of the intense competition among processors to lower his rates each time.

“It’s a pretty aggressive market,” Dumont says. “If you can show them a low rate, they always seem to be able to go lower.”

There’s more to lowering the cost of accepting payments than comparing a single fee, as each online payment takes a circuitous path through a variety of data processors and networks that each charge a fee. The savvy retailer can save at several stops along the way.

And more cost-saving alternatives are on the way in coming months as new processors enter the e-commerce arena and companies offer online retailers new payment methods, seeking to take advantage of merchant unhappiness with the fees they pay for accepting cards with the Visa, MasterCard, American Express and Discover brands.

Shop around

To get the best deal, retailers must be prepared to go shopping among the many processors—or transaction acquirers in payments lingo—vying for their business, and to examine every rate and fee in the contract, says Allen Weinberg of payments consulting firm Glenbrook Partners.

“The guiding principle is that everything is negotiable,” Weinberg says. “But it’s important to keep in mind that every acquirer has a profitability target they feel they must meet. If you win on a couple of points, they will likely try to make it up in another area.”

The acquirer will likely emphasize the rate it charges on a standard Visa or MasterCard credit card purchase—2.2% of the transaction amount plus 30 cents is a typical charge for midsized online merchants. But that won’t be the rate on every transaction, because the Visa and MasterCard interchange rates—the fees acquiring banks pay to card-issuing banks—are higher on certain kinds of plastic, such as rewards cards and corporate cards. And some acquirers will add their own mark-up to the higher fees on those cards.

“You have to be very careful because the percentage a company will quote you is the lowest percentage, and unless you ask it won’t be until you receive your first bill that you’ll realize there are a lot of other categories you don’t control,” says Jon Kuhlmann, owner of online shoe retailer Grapevinehill.com. “If you accept Visa you must accept all Visa cards, and you pay a higher percentage on business and rewards cards than on personal cards.” The interchange on a standard Visa credit card is 1.85% plus 10 cents.

To understand what he’s really paying, Kuhlmann divides the fees he pays his processor each month by his net sales receipts, yielding a percentage that takes into account the mix of cards customers use. When considering a processor, a retailer should consider how often customers use each type of card, such as rewards cards or company purchasing cards, and apply the corresponding rate to those transactions to calculate what its processing bill will be.

It’s easier to evaluate processors who offer pass-through pricing, rather than a bundled price, Weinberg says. With pass-through pricing the processor shows the retailer what the interchange is on each transaction and the processor’s mark-up. That way price shopping becomes a matter of comparing the mark-up each acquirer is charging.

Stiff competition among processors is driving down those mark-ups even for midsized online retailers. For instance CompSource Inc., a web retailer of computer gear and consumer electronics that had 2007 online revenue of $12 million by Internet Retailer’s estimate, recently switched to RBS Lynk, which offered a mark-up equal to 0.04% of the transaction amount, says Dean Bellone, president of CompSource. That translates to 11 cents on a typical CompSource order of $280. Because the processor’s costs per transaction go down dramatically as volume increases, the largest online merchants can negotiate even better deals, often paying under a penny a transaction, Weinberg says.

But bundled pricing may work better for some retailers. For instance Kuhlmann uses the PayPal unit of eBay Inc. as its card processor, in part because the fee he’s charged on payment cards, 2.2% plus 30 cents, includes American Express, which typically charges higher fees than Visa and MasterCard. “We never got a rate on Amex lower than 3%,” he says. Although only 8% of purchases at Grapevinehill.com are with AmEx, Kuhlmann says the savings “put another $300 or $400 a month in our pocket.”

Making the switch

For many online retailers, switching processors is easy because they connect to the processors through gateways—VeriSign, Authorize.Net and USA ePay among others—that each have links to many processing companies. The processors in turn connect to the card networks for authorizations and to the banks that settle funds among card issuers and retailers.

The Bowl Co., for instance, has integrated its back-office system with Authorize.Net and other gateways. Changing from one processor to any other connected to those gateways just means changing the account number the retailer uses, Dumont says. “For me, it’s a matter of changing a few lines of code.”

Once set up with a processor, a retailer wants to get the best possible rate on each transaction. A transaction can be downgraded from the least expensive rate for many reasons, such as not including a purchase order number on a corporate card transaction. Downgrades can mean paying another 0.15% to 0.3% per transaction, or 15 to 30 basis points, says payments consultant Steve Mott of BetterBuyDesign.

A transaction will also be downgraded if the retailer does not settle the transaction—which typically means shipping the goods and reporting that to the processor—within seven days. That can be a problem when an item is not in stock. CompSource e-mails the customer to get an approval to bill on a back order so that it can make the settlement deadline, Bellone says.

If the customer orders several items and one cannot be shipped, the retailer must obtain another authorization for the new purchase amount, as a mis-match between the authorization and settlement amounts also will cause a downgrade, says Doug Schwegman, director of market intelligence at payment gateway CyberSource Corp.

Cost vs. benefit

Retailers can obtain discounts on interchange by providing information that helps prevent fraud. For instance, participating in the online authentication systems Verified by Visa and MasterCard SecureCode lowers interchange by an average of 21 basis points, or 0.21%, according to CardinalCommerce Corp., whose Centinel service connects e-retailers to these security systems and to alternative payment providers.

Some processors charge more if the retailer does not provide the 3- or 4-digit security code on the back of payment cards with the authorization request. Ask questions and shop for the best deal, Mott advises retailers.

Paying more might make sense if it keeps a customer from abandoning a transaction when asked for an additional piece of data, some retailers have decided.

Abandonment went up more than 10% when SureSource LLC began asking for the security code on one high-volume web site last year, leading the company, which operates e-commerce sites for such branded manufacturers as Black & Decker and Crayola, to stop requesting the data. With low fraud losses, SureSource was not willing to trade sales for processing savings, says Mike Mullen, director of e-commerce. To minimize both abandonment and risk, some retailers request the security code only from new customers, figuring those are riskier transactions.

There can be many other fees in a processing contract, such as for processing refunds or orders taken by a call center agent. Mullen looks at each fee and calculates how it would affect his business.

For instance, some processors waive fees on refunds while others do not, which could be important for a retailer with a lot of refunds. “There may be a 5-cent charge that will add up or a 30-cent charge you’ll never see,” he says. “You have to look at the deal and apply it across your order history.”

Chargebacks

Among the banes of a retailer’s existence are chargebacks, reversals of payments that typically are the result of fraud, customer dissatisfaction or merchant error. Processors usually charge a fee, ranging from a few dollars for larger retailers to $15 or more for smaller ones, for processing a chargeback. But processors can also offer valuable expertise in helping retailers fight chargebacks.

Processor Litle & Co. provides Jewelry Television and its e-commerce site JTV.com with a dedicated expert who has provided tips on when it’s worth fighting a chargeback, says Lisa Tennant, the retailer’s vice president of cash management and merchant services. For instance, a retailer has a better chance of winning when it delivered the product to the billing address and obtained a signature, Tennant says. She says the Litle representative “has gotten to know our business and helped us identify when we can dispute a chargeback and when it’s not worth applying resources to a dispute.”

Retailers can prevent chargebacks in many ways, including by informing a customer when issuing a refund, says Gene Hoffman, CEO of payments processor Vindicia Inc. That likely will prevent the consumers from calling his credit card company to reverse the original charge, generating a chargeback. “Often merchants who don’t communicate well will issue the refund and then get a chargeback, so they’re doubly out,” Hoffman says.

Retailers can also cut costs by using gateways like CardinalCommerce and Certegy’s ClearCommerce that facilitate acceptance of non-card payments like PayPal and Bill Me Later that typically charge lower fees than Visa and MasterCard. Bill Me Later’s fee varies between 1.5% and 3% of the transaction amount, depending on the retailer’s volume, and averages about 0.7% less than credit card fees, says Vince Talbert, vice president of marketing.

Send me the bill

Bill Me Later is a little less expensive than credit cards for ShoeMall.com, says Internet director Jodi Bresina. But the big win has been in higher sales since the e-commerce site introduced the payment method in February. Bill Me Later accounted for 6% of transactions in March, those orders averaged 13% more than the site’s norm and 75% of Bill Me Later customers were new, Bresina says.

Bill Me Later also guarantees payment as long as the retailer verifies the billing address and fulfills the order, says Mullen of SureSource, which has accepted Bill Me Later for three years. However, Bill Me Later, which runs an instant credit check on a customer applying to use the service, declines more than a quarter of his customers, Mullen says. To keep from losing sales, Mullen says his sites present a message saying that Bill Me Later was unable to process the transaction; most customers then pay with credit cards.

Another deal for online merchants has been Google Inc.’s Google Checkout service, introduced two years ago. Google provided free processing on transactions until this year and now charges 2% plus 20 cents per transaction. But it’s still an attractive offer because Google will apply those transaction fees to a retailer’s spending on Google AdWords search page ads, crediting $1 for every $10 processed.

That persuaded Bellone to begin offering Google Checkout as a payment option this spring at CompSource.com. “They’re handing it to you on a silver platter, so you might as well use it,” he says.

One issue: Google only guarantees payment if the retailer obtains a signature upon delivery. Delivery services charge from $2.50 to $3.50 extra to guarantee a signature, and CompSource is passing that surcharge on to customers who pay with Google Checkout, Bellone says.

More to come

The payment options available to e-retailers have grown in recent years with the arrival of alternatives like Bill Me Later and Google Checkout and the entry into e-commerce processing of RBS Lynk, a subsidiary of Royal Bank of Scotland that is a significant e-commerce processor in Europe.

More payment alternatives are coming, including Bill Me Later testing the waters of offering its service to smaller retailers. It currently targets online merchants with at least $10 million in annual sales, but hopes to lower that threshold to either $1 million or $5 million by providing more automated service tools, Talbert says.

CardinalCommerce expects to offer this summer a payment method called eLayaway that lets consumers pay over time, receiving the goods once full payment is received. Merchants pay nothing, while consumers pay a fee of 1.9% of the purchase amount. About 700 mostly small retailers already offer the service, and eLayaway is hoping for greater acceptance once Cardinal offers the option to the 33,000 merchants that use its Centinel payment platform.

Online retailer Buy.com has been testing a new credit card called RevolutionCard, which only charges merchants 0.5% of the transaction amount, roughly a fourth of Visa and MasterCard rates. The company behind the card, Revolution LLC, backed by AOL founder Steve Case, is working on deals with payment processors that will make the payment option available to more online retailers in coming months, the company says.

There are more processors specialized in certain kinds of online payments, such as Vindicia, which focuses on payments for digital goods, such as music downloads, and on subscriptions and other recurring payments. One client is online art community and retailer DeviantArt.com, which gets 23 million unique visitors per month and sells a premium service starting at $4.95 per month that lets customers customize their home pages, browse without ads and add content, says Steve Gonzalez, vice president of business development.

In the past, DeviantArt.com did not offer customers the option of automatically renewing their subscriptions because it did not want to store credit card numbers and have to comply with card industry data security rules. Now Vindicia holds the card numbers and handles recurring billing, persuading the average customer to sign up for an additional two or three billing cycles, Gonzalez says. Vindicia charges a 2% fee on those renewals.

And a much larger new vendor could emerge if Chase Paymentech—a joint venture between the country’s largest card processor, First Data Corp., and major bank J.P. Morgan Chase & Co.—breaks up as a result of First Data’s sale last year to a private equity firm. That sale gives Chase the right to end the joint venture, which could result in First Data offering its own e-commerce payments service, says Mott, the consultant.

“This could be a once in a lifetime opportunity for merchants if First Data offers equivalent platform capabilities to Paymentech,” Mott says. “Imagine having two Paymentechs, one brand new and hungry for business.”

It’s by no means clear that scenario will play out. But it is clear that well-informed merchants already have plenty of options for reducing the cost of accepting payments, with more to come.

Source Taken : http://www.elayaway.com/company/news/how-to-pay-less-for-payments/

p/s: Use this payment gateway with instantestore.com.

How To Track All Your Website Traffic For Free

2008-12-18T13:32:00.000+08:00

by: Louis Allport

Do you know:

* Exactly how many people are visiting your website?
* How long they're staying on your site before they move on?
* Exactly where those visitors are coming from, each day?
* How much of your website traffic is repeat visitors?
* The exact paths people take as they click their way through your website?

Here's what I'm getting at:

If you don't know your visitors, it makes it *very* difficult for you to improve the performance of your website and turn more visitors into customers - AND - get more quality traffic. For the simple reason that you're effectively working blind.

Without knowing how people visit your site and what they do on your site, any attempts at growing your traffic and improving the profitability of your website is working with one armed tied behind your back, at least.

And unfortunately - the web stats that come with your web-hosting are generally not enough these days.

Depending on your web host, chances are you've either got Webalizer, Analog Stats, or AWStats installed on your server. Here's how that software works:

It takes the "raw" (unreadable to the human eye) information your web server stores of everyone that visits and presents this in an easy to understand way.

Unfortunately, due to a number of technical reasons, this information is often presented in quite an inaccurate way.

And in my personal experience, these software packages don't present this information in a particularly helpful way either for someone trying to improve the conversion ratios and profitability of their website.

What I personally do, and what I would suggest you do is use a "Tracking Solution" that accurately tracks and reports all your visitors in an easy to read and understand way. These solutions come in two forms: Software & Services

Both these options have their pros and cons, but what they both do very well is present exactly what's happening on your website right up to the minute, and in a way that's very helpful to you for making good (and profitable) decisions for your business.

To start with here's a software solution you can install and use for free on your website:

Now before you go and install it, you should of course be familiar with installing software on your server. If you're not comfortable installing software on your website, a tracking service (which I'll come to in a moment) would probably be best for you.

And it's also important to note that installing software on your website can often put more strain on the server. This is particularly true if you're on shared hosting.

I've personally used the following free tracking software and it works well. See what you think. Go to http://www.curve2.com and look for "TrackPro". As I write this, version 2 is in Beta and is downloadable from the site at the following address: http://www.curve2.com/trackpro.php

You'll also find many further free tracking software solutions at http://www.hotscripts.com.

But personally speaking, what I've found works very well and avoids putting any increased strain on my existing websites is using a third party tracking service.

The only things really to worry about when using a third party service are:

* How long will this service be around? (If they stop their service after a year, you wouldn't be able to access your past data and will have to change all your tracking codes on your pages too.)
* What is their privacy policy regarding my web stats? (Are they honest and trustworthy in other words. You don't want the service owners studying and then duplicating your successful business plan.)

Over the past month I've been using ecommStats (http://www.ecommstats.com). Now, this service isn't free, but at this time they give you 50,000 free page views per domain, and depending how busy your site is those page views can last you a very long time.

The service works great and is very easy to add to your pages -- simply add three lines of code at the bottom of each of your pages (you can easily do this with Server Side Includes if you're comfortable with that) and all your visitors get tracked accurately and in great detail.

Alternatively - an entirely free (at this time) and very established service is StatCounter (http://statcounter.com). It even has a rave review from Tucows.com (one of the largest download sites on the internet) which speaks for itself and adds a lot of credibility to the service.

And just in case you're wondering how a free service like StatCounter makes money, well - since it's such a popular service with many webmasters logging in every day (and many I'm sure even more than once a day just like me) that it's made it very easy for them to sell a lot of advertising on their site. They also offer an upgrade to their advanced paid service.

But thinking beyond free services, as your business grows you may choose to upgrade to high end paid services that provide even more in depth information about your visitors...

Services like Urchin (Urchin.com - owned by Google) or Deep Metrix (DeepMetix.com). However, to help you grow your business to that point you need to keep a close eye on what your visitors are doing and where they're coming from, and free tracking software and services is a great way for you to start to do this.

About the author:
Louis Allport is an online product developer and marketer. To get a FREE copy of his powerful "Viral PDF Generator" script, visit the following site: http://www.BrandPDF.com

The 3 Best Website Traffic Sources

2008-12-13T08:18:00.004+08:00

Not a day goes by that any serious website owner doesn't wonder how to get more traffic to their site.

This intense desire to generate more clicks makes virtually any online entrepreneur easy prey to many of the traffic schemes and scams that pervade the Internet like conmen on a carnival midway.

Promises of fast traffic and big bucks often separate even the most savvy business person from their money because they want to believe the promises made by these traffic hucksters.

However, rather than thinking "complicated equals better" in the traffic game, the best website traffic sources rate extremely easy to separate from the useless garbage traffic.

Fact: "Good Traffic" equals "Targeted Traffic!"

That means the visitors come as a result of desire to find out more on a specific, niche topic, not as a result of "exit" traffic or membership in a "safe" list where members simply pitch each other in an incestuous spam fest.

Good traffic comes from people clicking links on topics targeted to their interests and getting directed to a website containing information they want and expect as a result of clicking the link.

Bottom line, when you get right down to it, the best, most dependable sources of targeted traffic come from links that people click.

So, next time you're considering spending money on a traffic source, understand that unless it involves a targeted link that a targeted visitor can click to get to your website, think twice before opening up your wallet.

To my knowledge, only three ways exist to get a link to your site: buy it, "voodoo" it, or grow it.

** Buy Links**

Buying links actually rates the fastest way to get traffic to your website.

You simply sign up for Google AdWords at Google.com or you open an account with Overture.com.

You then run ads with a link on those sites and any time someone clicks the link, you pay for the click through a relatively straightforward bidding process based on the popularity of the keyword.

You can also buy links in ezines, newsletters, and on other people's website either on a per-click basis, for a period of time (a week or month), or in exchange for paying them a commission if a sale gets made as a result of a click on the link.

** Linking "VoodDoo" **

Linking "voodoo" refers to attempting to manipulate the search engines into displaying links to your website.

You can find a large number of automated software programs online at any given time that will claim to help you get more search engine traffic.

Depending on the intensity of competition in a specific market and the fact that search engines change their rules frequently, pursuing search engine links this way can quickly turn into the online equivalent of Alice chasing the rabbit down the hole.

** Grow Links **

I personally prefer this method to get links to my websites: growing them.

The best type of link to get involves one person telling another person, either explicitly or implicitly, they should click the link and visit the site at the other end.

One way to do this is simply to exchange links with another site which targets the same audience as your site.

You can manage this process manually or use one of the many software packages that will mange the process for you.

A search on Google.com for "reciprocal link manager software" yields a good start.

The easiest way to grow a link is through using articles other people post on their websites which link back to your website.

The reason articles work so well for "growing" links involves the numerous ways in which articles get distributed online, each of which can create dozens, hundreds, even thousands of different links back to your website by publishing a single article.

In fact, the following represent only the tip of the iceberg when it comes to all the places you can grow links by publishing articles online.

~ Blogs - Your articles can not only appear on your own blog, but get posted by others on their blogs with surprising ease.

The links in these articles can point directly back to your website.

~ Article Directories - Article directories such as IdeaMarketers.com abound online.

They not only provide an easy way to display your articles to allow others to pick them up for posting on their websites, but also in and of themselves attract readers searching for content.

~ OPS (Other People's Sites) - Popular websites like WebProNews.com attract repeat visitors by offering targeted content to their readers.

Since they can't produce all the content themselves, they publish articles created by others. Links from these sites can bring a steady stream of targeted visitors by giving you targeted exposure.

~ Ezines - By getting your articles published in other people's ezines, you can get a link on the most valuable real estate online, a targeted prospect's email "inbox."

Many ezine publishers run articles written by others to their targeted readers, and your link in the resource box can bring you a veritable avalanche of targeted site visitors when hundreds, even thousands of people receive your article at the same time.

Whether you choose to buy them, "voodoo" them, or grow them, getting targeted links to your site posted on the Internet represents the absolute best way to get steady traffic to your site.

Though not as fast as buying them or as exciting as trying to manipulate the search engines, growing links with articles gives you a long-term, dependable presence online.dime on advertising! Click Here>

Traffic Exchange Sites

2008-12-13T08:12:00.004+08:00

Traffic Exchange Sites are websites where you get page views of your own site in exchange for visiting others. Many such sites are available. However, choosing the right one or a combination of them can be a very time consuming process.

Basically there are two types. Manual surfing and Auto surfing. Some Traffic exchanges cater for Manual surfing only, some cater for Auto surfing only and some cater for both.

Manual surfing - This requires your input by clicking a button after a specified time period, generally 15, 20 or 30 seconds, although there are a few other variations. With manual surfing, the surfer is expected to view each site. However, with most exchange sites, it is possible to minimize or resize the windows. This defeats the purpose because it allows multiple sessions to be run simultaneously. On the better exchange sites, security measures are often used to deter this. These are normally random prompts that require user input. For example, after x number of page views, you may be required to enter a code, select a color or image or perform some other variation of this.

Auto surfing - This requires no input. However in reality, your input may be required because of popup or frame breakers. Some traffic exchange sites require that the pages run are maximized and although you can minimize the page yourself, it will automatically maximize at the next refresh. You will also find that with some exchange sites, pages will run on top whereas with others, pages will run quite happily underneath, allowing you to do what ever you like without ever viewing the page content.

Both manual and auto surfing will bring traffic to your website, but there is a much greater likelihood of your web pages being actually seen with manual surfing.

Credits - As well as surfing, credits are usually acquired for subscribing, for referrals and for any winnings associated with exchange site lotteries, games or competitions. These credits can then be used to increase the traffic to your site. Some exchange sites will also allow you to sell your credits to other members.

Free or Paid - The majority of Traffic Exchanges offer a paid option. This option may give you a better surf ratio, bonus credits, money for referrals or other benefits. Before paying however, it is important that you test how targeted the traffic is that you receive. There's no point in paying for extra traffic if it doesn't generate any more income for you.

Click for Credits or Buy Credits - Is it worth buying credits?

This can depend on a number of reasons. The two main ones are time and money.

Let’s take an example

At the time of writing the cost of 2000 credits for free members of a well known Traffic Exchange Site was $40. This works out at $0.02 a click. For pro members the same $40 bought 2200 credits.

With the number of clicks limited to 250 per day and page views of 20 seconds this means that in theory it will take you 250 X 20 = 5000 sec or 83 minutes 20 seconds to view the 250 pages. However in practice you must allow extra time for clicking the next button, clicking the title of the page you will be viewing and any sites worth looking at.

Since I am a firm believer in practical results, I viewed the 250 pages. It took me 2 hours and 12 minutes to accomplish this. During that time, I accumulated 854 credits. To buy these credits would have cost $17.08 as a free member and approximately $15.53 as a pro member. Allowing for rounding up, this equates to almost 390 credits per hour or $7.80 per hour cash value.

Now ask yourself this. Would you work for $7.80 per hour?

I must emphasize that this is only one example and that other results will differ because of the random allocation of credits. It is shown here only as an example and to give you an idea of the cost implications for one particular traffic exchange site. The cost of credits may differ dramatically for different exchange sites. If you buy or intend to buy credits from a traffic exchange site, you can apply what is shown in the example. There's no need to click on a large number of websites to find out if your exchange site is giving you enough credits for your money. A sample of around 20 sites should give you enough information to produce a rough value-for-money guide.

If you enjoy this sort of thing or want a break from train spotting, you could expand on this. Increase your sample size, increase the number of samples, select a good representation of traffic exchanges and tabulate your results. Choose enough sites and you will be able to create your own league table. There’s a market for everything.

Whether you use traffic exchange sites or not in the quest for more visitors to your site, you should at the very least know what they are and what they do. But don't totally dismiss them. They are part of an expanding market. I recommend that you try at least one traffic exchange site. You could read every book on the subject, but without active participation, you will not be qualified to comment on their worth or suitability. The time taken for a few mouse clicks is a small price to pay. If it works for you, you have learned. If it doesn't work for you, you have learned.

DebitWay.com Payment Gateway

2008-11-06T23:32:00.005+08:00

DebitWay allows you to accept direct payments from your preferred customer’s bank account straight into your account in real time with the utmost security.

Debit cards are bank cards provided to anybody who has a bank account in North America. With a debit card a customer can go to any bank machine in the world to withdraw money from their account, or use it at a storefront to make a purchase instead of using cash.

Now with the launch of the miniTeller®, DebitWay is making it possible for customers to enjoy that same convenience of instantaneous access to their bank account with a debit card when making online purchases.

The first step towards accepting payments through the miniTeller® is to provide them to your clients. Merchants have the choice of either distributing the machines themselves or having DebitWay distribute them to your clients.

more details please visit : http://www.debitway.com/

Friendly Match Takaful FC v/s PERDA FC at BOLA-BOLA

2008-09-27T00:07:00.001+08:00

Manager kta yang sedang berfikir team mana pulak lepas ni nak main!!

Syukur, perlawanan yang mengambil masa satu jam berakhir dengan kemenangan..

Final score : tak pasti

dan tahniah diucapkan kepada pasukan takaful fc kerana menebus kekecewaan atas kekalahan minggu lepas.. walaupun bukan dengan team yang sama tapi dalam semangat yang sama...mencari apa jua kelemahan sendiri dalam setiap permainan.

"Payment Express" Payment Gateway Integration

2008-09-18T12:54:00.001+08:00

Payment Express is a Visa and MasterCard certified solution, developed by DPS, which facilitates electronic payments seamlessly from multiple access points i.e. Web, EFTPOS, Billing, IVR (Interactive Voice Response), CRM, Vending, MOTO (Mail Order / Telephone Order) and Wireless.

DPS are certified with banks in Australia, New Zealand, Pacific Islands, Singapore, South Africa, USA and United Kingdom.

I have integrate Ecommerce - non-hosted [PX Post] into our solution. For futher more information about this payment gateway..please visit their official website at https://www.paymentexpress.com/.

Tips: For integration purpose you can request for development account for free! and they also provide sample code written in ASP.net, PHP and etc. This may help integration works easier and faster...plus with their friendly tech support..all your question or doubt will always have a solution... Good Luck!

Pacific Futsal ~ 12 Sept 2008 Friendly Match

2008-09-13T03:02:00.007+08:00

Friendly Match Between Takaful FC v/s USM FC (bukan nama sebenar)

HelloooOOooo...

Preparation.. + warm up... before the game start..???

Ermm.. time to celebrate.. win or lose does not matter here.. the important thing is what you get from the game.. and today we have proven again, a winner will always be a winner.. even only in friendly match and not in real tournament :D !!! But the time will come..practise make perfect right? anyway a credit to our opponent for what they have put through and never give up until tiupan wisel terakhir...

Masa : 10.30 PM - 12.30 AM
Score : 19 - 16
Tempoh : 2 jam
Side : 6 Sebelah

Set Friendly Match Click Here