Payza is a secure way to send and receive money worldwide "Review"

Payza is an online payment processor that functions in a manner similar to PayPal or Dwolla. There are a number of unusual features about the company and its service that make it a difficult provider to research and rate. For one thing, the company was formerly based in Canada and known as AlertPay before it was bought by MH Pillars, Ltd. in 2012. This “acquisition” appears to have been more of a rebranding, as there is not a great deal of information available online about MH Pillars, Ltd beyond the fact that it is a DBA of Payza.
For another thing, the company appears to have offices all over the world. Payza is headquartered in London, has a regional office in New York City, uses an acquiring bank located in Moscow, and has made significant recent gains in the Bangladesh payments market. Part of this global success is likely attributable to the fact that the company actively promotes its ability to process remittances (the earnings that a foreign worker sends to his or her home country), which is a largely untapped market among payment processors.
The company appears to have only recently ventured into the U.S. market under the Payza name, but it is unclear at this time whether it can actually process payments for U.S. users.

How it works

Payza appears to operate by having its users send and receive money from dedicated Payza accounts. The company offers both personal and business accounts, and businesses can accept credit card payments from customers who do not have Payza accounts via “pay now” buttons on their websites. It’s free for anyone to send money from their Payza account to someone else’s Payza account, but a transaction fee is assessed for anyone who accepts money from another Payza user.
It seems that Payza users transfer funds through some sort of email authorization system like that used by Square Cash. The company allows users to fund their Payza accounts through ACH transfers, bank wires, cashier’s checks, money orders, or credit and debit cards. Payza users can withdraw money from their accounts using ACH transfers or credit cards, or by loading a prepaid Visa card with their funds in countries where this service is available.

Payza Sales & Marketing Tactics

Payza mostly markets its services through its website, and the company does not appear to employ a large outside sales team or utilize telemarketing. While these sales and hiring practices are favorable in our view, the company still has a long way to go when it comes to transparency.
It is difficult to understand the details of how Payza works by visiting its website. There appears to be some sort of email authorization that takes place between users who are sending payments, and the company seems to be oriented exclusively toward e-commerce rather than brick-and-mortar merchants. According to some merchant reviews, the company has a complicated fee transfer schedule depending on the type of transaction taking place and the two types of accounts involved. The company does not visibly list its rates on any of its product description pages, but its “Fees” page does appear to fully disclose its pricing.
It’s tempting to simply attribute the company’s confusing payment system and rate structure to poor website design, but there may be more to the story. The vast majority of Payza negative reviews by merchants have been filed with regard to sudden, long-term fund holds and account freezes. Most of these merchants seem to have very little understanding of what exactly they did to cause Payza to hold their funds, and the public reasons given by the company both on its website and in its public responses to these complaints are numerous and inconsistent. Since the company reserves the right to place any funds withheld from merchants in an interest-bearing account, the company does have some incentive to withhold funds. Given the company’s apparently aggressive hold policies, the lack of clear information on its website is a major cause for concern and has lowered the company’s score to a “C” in this section.

Payza Costs & Contract Terms

Payza does not charge setup fees, monthly fees, PCI Compliance fees, or cancellation fees. The company offers two tiers of service with different transaction rates, although there appears to be no difference between the rates paid by “Personal” users and “Business” users.
Personal and Business users may send funds for free at all times, but they are assessed a fee of 2.50% plus $0.25 on any payments they receive. Some industries (likely high-risk transaction types) will be assessed a fee of 3.90% plus $0.59 per transaction, but it’s not clear which industries this applies to. Both account types can add funds to their Payza accounts via credit card for 3.50% per transaction or for free through a prepaid card or bank transfer. It also appears that customers are charged either $1.00 CAD (for prepaid card transfer), $0.50 (for bank transfer), 2% (for bitcoin), or a minimum of $8.00 (for credit cards) for each withdrawal from their Payza account. This withdrawal fee is a clear incentive for users to wait until their balances are very large before making a withdrawal.
Despite the company’s lack of long-term contracts and its mildly expensive transaction fees, its grade has been lowered to a “C-” for what appears to be an aggressive and inconsistent fraud prevention policy. Public complaints abound regarding funds withheld on user-to-user payments, personal-to-business payments, refunds, withdrawals, and sometimes for no clear reason. For example, in early December 2013, it appears that the company abruptly sent out a notice to its users explaining that it was suddenly unable to process payments in the U.S., effectively freezing the accounts of any U.S. users until further notice. Whether or not Payza can currently process withdrawals in the United States is unclear. The reasons given by the company for holds and service interruptions are disturbingly vague in most cases, and they’re made more worrisome by language in the company’s official terms and conditions that threatens merchants with a fine if they contact Payza’s partner banks when investigating a hold.

Payza Complaints & Service

Payza is currently showing approximately 150 complaints on various consumer protection websites, and many of these complaints accuse the company of being a fund holding scam that signs new customers up for service with the intention of holding their funds and gathering interest on them. Some of these complaints have been filed against the company’s former name of AlertPay, and an equal amount have been filed in a forum specifically created to warn business owners against using Payza.
The story behind this forum, alertpay-payza-scam.com, is that the owner of a company called Themco felt that the company withheld $1.289 million from his business in order to fund its operations with the interest gathered on the amount. When legal recourse failed to obtain the disputed funds, Themco launched this forum to alert merchants to the risk of fund holds at Payza. The forum appears to be mildly active with members from all over the world, but it’s unclear how many of its users are simply shareholders of the company. It’s difficult to determine the validity of Themco’s claim, since details about the organization are scarce. Either way, the amount in dispute is an obscenely large hold amount and merits discussion in this review on that basis alone.
Payza offers a live support phone number, an FAQ section on its website, chat support, and a ticketing system. One merchant’s experience with the Payza support team has been documented on YouTube:

Payza BBB Report

Payza is not an accredited business with the Better Business Bureau at this time, but it is nevertheless showing an “A+” rating based on 62 complaints filed in the two years since the account was created. Of these complaints, 35 are related to problems with the product or service, 11 had to do with delivery issues, and eight apiece were attributed to advertising and billing issues. The company has resolved an impressive 58 of these complaints, while four merchants were left dissatisfied despite what the BBB considers a good faith effort by Payza. Considering the company’s complaint volume for its size in the U.S., we have adjusted the BBB’s rating to a “C.” For more about why we adjust BBB ratings, please see our rating criteria.

The Most Amazing Spinning Software Ever

Every single Internet Marketer out there needs a good article-spinning tool -you can never have too much quality content when it comes to marketing, right? A lot of effort is put in improving content, site or blog rankings, optimizations, trying keyword targeting, social rankings, user visits etc. with little or no results. Are these efforts worthy enough or is there a way to make this better? What do we need in order to see an ROI of this or what can we do to mitigate the frustration?
Today we review one of the very nice tools that people are using to speed up their optimizations called Spin Rewriter 5.0 – a major content generating software. It is set for launch on October 21, 2014 and is expected to take its market of raving customers with a storm. It comes with an Emulated Natural Language (ENL) Sematic spinning technology packed right into it.

Features

• The ability to extract meaning and select synonyms from sentences. Users now do not just accept output but can customize it from a whole collection of synonyms. The meaning of the sentences will remain reserved.
• Spin Rewriter is going to get even better at sentence structure manipulation. Many new unique sentences will be derived from your original.
• The entire user interface will be faster, streamlined, and even easier to use. Almost everything is on screen.
• Click and spin is the phrase.
• Spin Rewriter comes out like a text robot, thinking out of the box to give you unique original, well-structured sentences.

How it works?

Using Spin Rewriter will only take one click. All you need to do is simply type in or paste the text you would like to be rewritten, click on the spin and rewrite button and voila. The sentence will be turned completely turned upside down while kept perfect grammatically. Subsequent clicks will spin and rewrite your sentence until you meet your desired output.
Spin Rewriter 5.0 also gives you synonyms of every single word of your original sentence. Thus in seconds, you get many options to use It also allows you to generate unique sentences from your existing block of sentences. Another click changes this sentence into another unique option and so on and so forth. All these new optional sentences are unique and original. Furthermore, they pass Copyscape test, and can never be detected as duplicate content. Sounds unbelievable, right? No Therefore, Spin Rewriter 5.0 gives you access to unlimited top quality content setting you up with optimized search engine top-ranking results.

So, How Can This Software Help My Business Anyway?

“Why Content Is So Important to On-Page SEO” When you stop and think about it, whenever you make a search through an engine, you expect the return information that will give you an answer to a question you have about a specific topic. Any wrong output means loss. This explains why websites with results that reflect a representation of the search topic rank quite highly as compared to those that do not.

For example if I am looking for the best second baseman in the major leagues for the year of 1950. I might type in “best 2nd baseman in 1950 in baseball” I am certainly looking for some specific data on the subject. Jackie Robinson will obviously appear top, and though it is arguable that as a player, he may not have been the “very best”, but the fact that he was the first black player to break into the majors, and in the ten years he played in the world series events, he became the best and most influential player.

This is what people search for, reason not considered a factor. The Internet has become the beacon of information all over the world, as any type of data is readily available about anything.
Any website or blog expecting higher rankings from Google or any search engine must adhere to providing the right information to their users or at least a representation of it This is the only way to maintain visibility within the internet. If authors of websites or bloggers can view their content from the searcher’s standpoint, they will be better able to provide the relevant information that is being sought.

Spin Rewriter, among other tools, will come in handy when you set a goal to improve your online presence. From as low as $37 a month and a 5-day trial, you get access to world of unique content generation for your website or blog. I wish you a happy spinning .

Internet Marketing Newbie – Step By Step Guide

For all the internet marketing newbies out there, there are only 4 steps to making money from internet marketing from scratch.

Step 1 – Make a decision
Step 1 is to make a firm decision that you are going to make it in internet marketing, no but, no however, no unless, no excuse!
If step 1 is not accomplished, there is no need to proceed to the other steps. Quit now and go back to your comfort zone. Internet marketing is not for you. Nothing is, until you make a decision.
Let me tell you something I’ve never told anyone.
I started to explore internet marketing back in 1999, made my first $100 some time in 2004, made my first $1000 in 2006 and made my first $10k in the same year.
What happened in 2006? Did I stumbled upon a secret formula? Not at all.
What happened was that my offline business failed in 2005. I was $50k in debt and I desperately NEED to find an alternative to make money, so as to pay back my loan and keep my company alive.
For the years before 2006, I had been exploring internet marketing, but I was doubtful whether internet marketing was for me. Moreover, I had many other opportunities available and frankly, internet marketing was the last option in my list.

By 2006, I’d tried 3 different offline businesses, failed at each one of them, and owed $50k to the bank. With little cash on hand, I ran out of all my offline options.
I was in a situation where I either make it in internet marketing or quit my entrepreneur dream and look for a job.
Not to give up my last option, I turned to internet marketing, with no other backup plan!
Here’s a little secret about the universe:
“Once you make a decision, the universe conspires to make it happen.” — Ralph Waldo Emerson
Opportunities will be open to you. Ideas will come to you. Your saviour will appear.
So, before everything else, make your decision first.

Step 2 – Stop looking for shortcuts
Forget about shortcuts or quick cash. There is no shortcut. What does exist is leverage.
To make money fast, you need to leverage. You leverage on advertising to bring you more traffic in a shorter time. You leverage on freelancers to save your time and provide skills that will otherwise take you time to learn.

Other than leverage, there is no shortcut. You have to take the down-to-earth ‘boring’ steps of building websites, promoting them and doing all the maintenance work.
I’m not saying internet marketing is tough. It is tough initially because you’re still learning. Just like the first time you ride a bicycle. It was tough isn’t it? But once you get used to it, it’s as easy as ABC.

Step 3 – Decide on a business model
There are too many ways to make money online. You can make money from Adsense, PPC ads, Affiliate Marketing, Ebay, MLM etc.
So your 3rd crucial step is to decide on the business model that you want to adopt.
If you want to make money fast, one way is to become an instant guru!
I’ve seen many newbies who position themselves as a guru and start teaching people how to make money online. It works! Many of them who ‘dare’ to pretend to be a guru eventually becomes a real guru.

As a guru, you need to have your own website, your own product and your own affiliate program. That’s why I invested money to create the free M.Y.O.B List Builder Script for our members. Make this script work for you and you’ll become an instant guru overnight.
Read these two articles if you haven’t done so. They will shed some light for you.
What Are The Steps In Creating An Online Business
How To Drive Traffic To Your Website

Step 4 – Keep learning and keep working
Remember, there is no shortcut. You got to work hard and you got to learn fast while you work.
In offline businesses, you can hardly learn because very few people are willing to teach you.
The good thing about online business or internet marketing is that many people are willing to teach you, for free or for a very small fee. As long as you have your own business set up and are willing to learn the ropes, you will eventually grow and become another guru.


Lastly, after today, don’t ever call yourself an internet marketing newbie again. The faster you believe you are the guru, the faster you can succeed online.

Web Hosting For Bigginer

If you've been considering making your own website to enjoy the boom of the Internet, but do not know about website hosting and other services that are essential for creating and hosting a website this article is for you. There are many basic questions about the hosting and other web which answers are sought by novice website hosting services. Here we try to answer all those frequently asked questions about website hosting guide for beginners questions.

Do You Want Buy a New Car

 

The following steps will show you how to locate, price and negotiate to buy the new car you want. Using this information could save thousands of dollars on a new car and make the process quick and enjoyable to you. It also puts you in charge of the deal-making process - and this sense of autonomy is a good thing.

 But first of all you must decide what car you want to buy. If you have not already done so, please visit our "10 Steps to find the right car for you." Then head back here once you have chosen the right car.

 And if you have any questions along the way, please reach out to the team for Live Help Edmunds.com attend free. The team will work hard to make your car buying experience the best one yet.

A surprising benefit of breastfeeding - for moms

I spent more than the last month of my journey of breast fighting not to stop breastfeeding my son , even though he was older than a year. He had taken a toll on me physically. I had to go on an elimination diet to find the source of colic, reflux and allergies my son. He constantly looked after, and I lost too much weight. I am constantly emptied; the little energy I had left after tending to a newborn was undermined white to the right of me, as if breastfeeding is a direct line of my energy reserves.

The Closet Experiment

Sometimes it surprises me how I manage to clutter my closet literally a few days after it was carefully organized. The truth is that I'm just a messy person, still not able to recover the blouse I planned to wear bother me as much as to be awakened in the middle of the night by noisy neighbors. I decided to act like an adult, and an example to my roommates who, like me, are not very tidy.