Creating an Innovative Payments System

New age payment processing systems are among the most essential requirements of merchants and shop owners. The latest trend in shopping and buying pattern of consumers indicate that nowadays people want to pay for the stuff purchased through their ATM Cards rather than paying in cash.

According to analysis of payment patterns of modern consumers, it is clearly visible that they prefer making payments through ATM Cards only. Rate of payments made through Credit Cards have decreased.

In order to provide attractive benefits of making payments through ATM cards, merchants have adopted state of the art payment processing systems that can process ATM cards payments.

Merchant's Benefit on Such Payments through Cashless Scrip ATM

Merchant's can make money on each transaction made by ATM cards through Cashless ATM's, like traditional payment processing systems they don't have to pay processing costs for every transaction. That means added profits for merchants or storeowners using such Cashless ATM Machines.

Benefit's of Customers on Payments through Cashless Scrip ATM

Making payments through Cashless ATM's or Scrip ATM's are the most convenient way. Customers can get cash back when making purchases. For this convenience they have to pay a nominal processing fee (usually less than the processing cost incurred in Credit Card payments). The customer has to slide their ATM card through cashless ATM and then they have to enter their PIN (Personal Identification Number), after verification customers get a slip/coupon that can be redeemed at stores.

Security Concerns in Cashless Scrip ATM's

As the name suggests, Cashless ATM's hold no cash, so there is almost no risk. There is no need of any security personnel to guard the ATM Machine (as in case of conventional ATM's used by Banks that provides facility of withdrawing cash). So, it is secure for both merchants as well as customers. Even if you lose your ATM card, no one can use it without the correct PIN. That means, only authorized people can use Cashless Scrip ATM's.

The internet has played a vital and important part to encourage selling products and services online which makes life convenient for the audiences, which in an inter-connected world, is well, the whole world.

E-commerce has given rise to the concept of completely online shops selling products and services, efficiently catalogued and available for the shopper's convenience. There are several websites that stock everything from lifestyle items, collectibles, books, electronic appliances etc.

Payment methods in the infancy stages of e-commerce were not much, and were limited to online wire transfers or direct deposit.

Within the past decade, e-commerce has matured and grown exponentially. The result: now there are many types of e commerce payment methods available online. If your credit is bad and you cannot afford a merchant account, there are alternative methods of payments on e-commerce websites which can help you.

One of the most popular online e commerce payment methods is to pay via PayPal. PayPal allows anyone to send and receive payments for both online and offline goods. The best thing about PayPal is its ease of use and no verification bounding of credit rating. All that one needs to do is verify their address and personal information. PayPal account holders can simply divert their customers to a PayPal order checkout page, or if the type of PayPal account allows it, payment can be done directly into a PayPal account using only the email address tied to the account like payments@abccompany.com.

Another e commerce website payment method is Google checkout. This service is run by Google, owner of the famous search engine. Google checkout is fast becoming a popular and favorite payment method for many e commerce website owners. The reasons, for starters are that the service is user friendly, easy to use and extremely reliable. When you think from the business owner's end, Google Checkout typically charges less merchant fees than PayPal.

Newer payment methods are also making their presence felt. One of such an innovative payment method available online is iKobo. The way iKobo works is that any customer can choose a payment source, which can be a bank account or a credit card, and tie up that payment source with an iKobo account.

When a customer wants to pay an online website/vendor, all that he needs to do is specify the amount and pay the service fees on top of that. The first time a customer does this with a particular vendor, the vendor gets a VISA debit card from iKobo shipped to him/her. This card issuance is a one time procedure. Then on, if anyone needs to pay an online vendor that has an iKobo debit card, all they need to do is specify the card number, and the payments gets transferred.

Mission statement:

PaxPay aims to provide consumers in the cryptocurrency market an innovative experience by creating an all-in-one global payments system featuring a smart device cryptocurrency bracelet called the Paxlet. Use the Paxlet in place of credit and debit cards at any brick-and-mortar retailer or business to pay with cryptocurrencies in the real world. The Paxlet will serve as a reliable and effective method of payment using cryptocurrencies in brick-and-mortar retailers and businesses, which could have massive implications for the expansion and potential wider adoption of blockchain technology as a source of funds. Transfer to or pay anyone, anytime, anywhere instantly with fiat currency or cryptocurrencies using PaxPay’s user-friendly payments system. The Paxlet will be a huge advancement for the global implementation of blockchain technology in conjunction with PaxPay’s global all-in-one payments system. PaxPay will also launch PaxPlace, a new concept of an open worldwide virtual marketing platform that accepts cryptocurrency as payment. This consumer-focused marketing platform will include a customizable storefront for merchants and consumers to buy/sell/auction goods globally, a cryptocurrency exchange, and also support an infrastructure that enables the consumer to hire freelancers for any type of work as well as allowing individuals to run their own freelance business for hire on an international level.

PaxPay will be an inclusive, revolutionary, all-in-one platform whose main goals include providing efficient services and solutions that will benefit, influence, impact, and transform the global cryptocurrency community, so join us and be a part of this change.

A More Detailed Look into PaxPay:

Have you ever imagined a world free of purses, carrying bags, or wallets? Picture the simplicity of a single bracelet that can do everything at the touch of your fingertips. No clutter, no useless random items, and most of all, no wallets overstuffed with plastic credit and debit cards. Say goodbye to unnecessary objects, and welcome a futuristic all-in-one cryptocurrency payments bracelet, the Paxlet. Take your Paxlet to any retailer or brick-and-mortar business to make payments seamlessly and instantaneously through use of NFC technology or swipe-and-scan capability. This high-tech bracelet serves as a cold storage that contains sophisticated security. Similar to a Ledger Nano or Trezor, Paxlet stores your private key without releasing private information. Therefore, in the event that you ever lose your Paxlet, your private information is secure and safeguarded. Never be afraid of losing your bracelet. Join PaxPay on our journey towards creating a revolutionary payments system. Manage your cryptocurrency with an app interface that syncs to your PaxPay payments app with the ability to send your address on the blockchain corresponding to your Paxlet in real-time to spend immediately.

Ever wonder what it would be like to have your own virtual storefront, but held back due to fear and uncertainty? PaxPay’s virtual market front, PaxPlace, provides countless opportunities for buyers and sellers to customize their store without hassles, hidden fees, or financial borders. Forget your worries due to unfair outcomes, and trade or auction on PaxPlace stress-free.

In addition, PaxPlace will support an infrastructure that enables the consumer to hire freelancers for any type of work as well as allowing individuals to run their own self-employed freelance business for hire on an international platform. Do you have a particular skill or trade that is unique to you? For example, are you an ace at writing or have a strong literary background? On PaxPlace, you can list your skills as a freelance copy writer for hire to make some extra income! Or have you always wanted to learn how to bake, for example, a French pastry, cupcakes, or crème brulee from scratch? Or how about learn how to do body work on a car? Now you can! Just get onto PaxPlace and hire a freelancer to come and not only do the job for you, but you can even hire them to teach you how from scratch! Let’s say you hire your choice of a listed freelancer, a skilled chef who specializes in baking or an automotive mechanic, you can hire either locally or in a whole other country. You can receive personal tailored direction in your own tutorial, either through a face-to-face home visit or an established webcam-based service on our site. It’s YOUR choice!

Whatever work, trade, skill, service you have to offer, you can list as a freelancer or contractor for hire on PaxPlace, or as a consumer you can hire a freelancer of your choice. Not only will your choices be vast as it is on a global stage, but you as a self-employed freelancer will simultaneously reach and impact a worldwide audience. Our goal is to take freelancing opportunities to the next level. We aim to be the Uber of freelance business.

for more information visit:https://bitcointalk.org/index.php?topic=3385339.0

my bitcoin profile link: https://bitcointalk.org/index.php?action=profile;u=1460674

Why do you need PA

Creating an Innovative Payments System

New age payment processing systems are among the most essential requirements of merchants and shop owners. The latest trend in shopping and buying pattern of consumers indicate that nowadays people want to pay for the stuff purchased through their ATM Cards rather than paying in cash.

According to analysis of payment patterns of modern consumers, it is clearly visible that they prefer making payments through ATM Cards only. Rate of payments made through Credit Cards have decreased.

In order to provide attractive benefits of making payments through ATM cards, merchants have adopted state of the art payment processing systems that can process ATM cards payments.

Merchant's Benefit on Such Payments through Cashless Scrip ATM

Merchant's can make money on each transaction made by ATM cards through Cashless ATM's, like traditional payment processing systems they don't have to pay processing costs for every transaction. That means added profits for merchants or storeowners using such Cashless ATM Machines.

Benefit's of Customers on Payments through Cashless Scrip ATM

Making payments through Cashless ATM's or Scrip ATM's are the most convenient way. Customers can get cash back when making purchases. For this convenience they have to pay a nominal processing fee (usually less than the processing cost incurred in Credit Card payments). The customer has to slide their ATM card through cashless ATM and then they have to enter their PIN (Personal Identification Number), after verification customers get a slip/coupon that can be redeemed at stores.

Security Concerns in Cashless Scrip ATM's

As the name suggests, Cashless ATM's hold no cash, so there is almost no risk. There is no need of any security personnel to guard the ATM Machine (as in case of conventional ATM's used by Banks that provides facility of withdrawing cash). So, it is secure for both merchants as well as customers. Even if you lose your ATM card, no one can use it without the correct PIN. That means, only authorized people can use Cashless Scrip ATM's.

The internet has played a vital and important part to encourage selling products and services online which makes life convenient for the audiences, which in an inter-connected world, is well, the whole world.

E-commerce has given rise to the concept of completely online shops selling products and services, efficiently catalogued and available for the shopper's convenience. There are several websites that stock everything from lifestyle items, collectibles, books, electronic appliances etc.

Payment methods in the infancy stages of e-commerce were not much, and were limited to online wire transfers or direct deposit.

Within the past decade, e-commerce has matured and grown exponentially. The result: now there are many types of e commerce payment methods available online. If your credit is bad and you cannot afford a merchant account, there are alternative methods of payments on e-commerce websites which can help you.

One of the most popular online e commerce payment methods is to pay via PayPal. PayPal allows anyone to send and receive payments for both online and offline goods. The best thing about PayPal is its ease of use and no verification bounding of credit rating. All that one needs to do is verify their address and personal information. PayPal account holders can simply divert their customers to a PayPal order checkout page, or if the type of PayPal account allows it, payment can be done directly into a PayPal account using only the email address tied to the account like payments@abccompany.com.

Another e commerce website payment method is Google checkout. This service is run by Google, owner of the famous search engine. Google checkout is fast becoming a popular and favorite payment method for many e commerce website owners. The reasons, for starters are that the service is user friendly, easy to use and extremely reliable. When you think from the business owner's end, Google Checkout typically charges less merchant fees than PayPal.

Newer payment methods are also making their presence felt. One of such an innovative payment method available online is iKobo. The way iKobo works is that any customer can choose a payment source, which can be a bank account or a credit card, and tie up that payment source with an iKobo account.

When a customer wants to pay an online website/vendor, all that he needs to do is specify the amount and pay the service fees on top of that. The first time a customer does this with a particular vendor, the vendor gets a VISA debit card from iKobo shipped to him/her. This card issuance is a one time procedure. Then on, if anyone needs to pay an online vendor that has an iKobo debit card, all they need to do is specify the card number, and the payments gets transferred.

Mission statement:

PaxPay aims to provide consumers in the cryptocurrency market an innovative experience by creating an all-in-one global payments system featuring a smart device cryptocurrency bracelet called the Paxlet. Use the Paxlet in place of credit and debit cards at any brick-and-mortar retailer or business to pay with cryptocurrencies in the real world. The Paxlet will serve as a reliable and effective method of payment using cryptocurrencies in brick-and-mortar retailers and businesses, which could have massive implications for the expansion and potential wider adoption of blockchain technology as a source of funds. Transfer to or pay anyone, anytime, anywhere instantly with fiat currency or cryptocurrencies using PaxPay’s user-friendly payments system. The Paxlet will be a huge advancement for the global implementation of blockchain technology in conjunction with PaxPay’s global all-in-one payments system. PaxPay will also launch PaxPlace, a new concept of an open worldwide virtual marketing platform that accepts cryptocurrency as payment. This consumer-focused marketing platform will include a customizable storefront for merchants and consumers to buy/sell/auction goods globally, a cryptocurrency exchange, and also support an infrastructure that enables the consumer to hire freelancers for any type of work as well as allowing individuals to run their own freelance business for hire on an international level.

PaxPay will be an inclusive, revolutionary, all-in-one platform whose main goals include providing efficient services and solutions that will benefit, influence, impact, and transform the global cryptocurrency community, so join us and be a part of this change.

A More Detailed Look into PaxPay:

Have you ever imagined a world free of purses, carrying bags, or wallets? Picture the simplicity of a single bracelet that can do everything at the touch of your fingertips. No clutter, no useless random items, and most of all, no wallets overstuffed with plastic credit and debit cards. Say goodbye to unnecessary objects, and welcome a futuristic all-in-one cryptocurrency payments bracelet, the Paxlet. Take your Paxlet to any retailer or brick-and-mortar business to make payments seamlessly and instantaneously through use of NFC technology or swipe-and-scan capability. This high-tech bracelet serves as a cold storage that contains sophisticated security. Similar to a Ledger Nano or Trezor, Paxlet stores your private key without releasing private information. Therefore, in the event that you ever lose your Paxlet, your private information is secure and safeguarded. Never be afraid of losing your bracelet. Join PaxPay on our journey towards creating a revolutionary payments system. Manage your cryptocurrency with an app interface that syncs to your PaxPay payments app with the ability to send your address on the blockchain corresponding to your Paxlet in real-time to spend immediately.

Ever wonder what it would be like to have your own virtual storefront, but held back due to fear and uncertainty? PaxPay’s virtual market front, PaxPlace, provides countless opportunities for buyers and sellers to customize their store without hassles, hidden fees, or financial borders. Forget your worries due to unfair outcomes, and trade or auction on PaxPlace stress-free.

In addition, PaxPlace will support an infrastructure that enables the consumer to hire freelancers for any type of work as well as allowing individuals to run their own self-employed freelance business for hire on an international platform. Do you have a particular skill or trade that is unique to you? For example, are you an ace at writing or have a strong literary background? On PaxPlace, you can list your skills as a freelance copy writer for hire to make some extra income! Or have you always wanted to learn how to bake, for example, a French pastry, cupcakes, or crème brulee from scratch? Or how about learn how to do body work on a car? Now you can! Just get onto PaxPlace and hire a freelancer to come and not only do the job for you, but you can even hire them to teach you how from scratch! Let’s say you hire your choice of a listed freelancer, a skilled chef who specializes in baking or an automotive mechanic, you can hire either locally or in a whole other country. You can receive personal tailored direction in your own tutorial, either through a face-to-face home visit or an established webcam-based service on our site. It’s YOUR choice!

Whatever work, trade, skill, service you have to offer, you can list as a freelancer or contractor for hire on PaxPlace, or as a consumer you can hire a freelancer of your choice. Not only will your choices be vast as it is on a global stage, but you as a self-employed freelancer will simultaneously reach and impact a worldwide audience. Our goal is to take freelancing opportunities to the next level. We aim to be the Uber of freelance business.

for more information visit:https://bitcointalk.org/index.php?topic=3385339.0

my bitcoin profile link: https://bitcointalk.org/index.php?action=profile;u=1460674

Why do you need PA

Creating an Innovative Payments System

New age payment processing systems are among the most essential requirements of merchants and shop owners. The latest trend in shopping and buying pattern of consumers indicate that nowadays people want to pay for the stuff purchased through their ATM Cards rather than paying in cash.

According to analysis of payment patterns of modern consumers, it is clearly visible that they prefer making payments through ATM Cards only. Rate of payments made through Credit Cards have decreased.

In order to provide attractive benefits of making payments through ATM cards, merchants have adopted state of the art payment processing systems that can process ATM cards payments.

Merchant's Benefit on Such Payments through Cashless Scrip ATM

Merchant's can make money on each transaction made by ATM cards through Cashless ATM's, like traditional payment processing systems they don't have to pay processing costs for every transaction. That means added profits for merchants or storeowners using such Cashless ATM Machines.

Benefit's of Customers on Payments through Cashless Scrip ATM

Making payments through Cashless ATM's or Scrip ATM's are the most convenient way. Customers can get cash back when making purchases. For this convenience they have to pay a nominal processing fee (usually less than the processing cost incurred in Credit Card payments). The customer has to slide their ATM card through cashless ATM and then they have to enter their PIN (Personal Identification Number), after verification customers get a slip/coupon that can be redeemed at stores.

Security Concerns in Cashless Scrip ATM's

As the name suggests, Cashless ATM's hold no cash, so there is almost no risk. There is no need of any security personnel to guard the ATM Machine (as in case of conventional ATM's used by Banks that provides facility of withdrawing cash). So, it is secure for both merchants as well as customers. Even if you lose your ATM card, no one can use it without the correct PIN. That means, only authorized people can use Cashless Scrip ATM's.

The internet has played a vital and important part to encourage selling products and services online which makes life convenient for the audiences, which in an inter-connected world, is well, the whole world.

E-commerce has given rise to the concept of completely online shops selling products and services, efficiently catalogued and available for the shopper's convenience. There are several websites that stock everything from lifestyle items, collectibles, books, electronic appliances etc.

Payment methods in the infancy stages of e-commerce were not much, and were limited to online wire transfers or direct deposit.

Within the past decade, e-commerce has matured and grown exponentially. The result: now there are many types of e commerce payment methods available online. If your credit is bad and you cannot afford a merchant account, there are alternative methods of payments on e-commerce websites which can help you.

One of the most popular online e commerce payment methods is to pay via PayPal. PayPal allows anyone to send and receive payments for both online and offline goods. The best thing about PayPal is its ease of use and no verification bounding of credit rating. All that one needs to do is verify their address and personal information. PayPal account holders can simply divert their customers to a PayPal order checkout page, or if the type of PayPal account allows it, payment can be done directly into a PayPal account using only the email address tied to the account like payments@abccompany.com.

Another e commerce website payment method is Google checkout. This service is run by Google, owner of the famous search engine. Google checkout is fast becoming a popular and favorite payment method for many e commerce website owners. The reasons, for starters are that the service is user friendly, easy to use and extremely reliable. When you think from the business owner's end, Google Checkout typically charges less merchant fees than PayPal.

Newer payment methods are also making their presence felt. One of such an innovative payment method available online is iKobo. The way iKobo works is that any customer can choose a payment source, which can be a bank account or a credit card, and tie up that payment source with an iKobo account.

When a customer wants to pay an online website/vendor, all that he needs to do is specify the amount and pay the service fees on top of that. The first time a customer does this with a particular vendor, the vendor gets a VISA debit card from iKobo shipped to him/her. This card issuance is a one time procedure. Then on, if anyone needs to pay an online vendor that has an iKobo debit card, all they need to do is specify the card number, and the payments gets transferred.

Mission statement:

PaxPay aims to provide consumers in the cryptocurrency market an innovative experience by creating an all-in-one global payments system featuring a smart device cryptocurrency bracelet called the Paxlet. Use the Paxlet in place of credit and debit cards at any brick-and-mortar retailer or business to pay with cryptocurrencies in the real world. The Paxlet will serve as a reliable and effective method of payment using cryptocurrencies in brick-and-mortar retailers and businesses, which could have massive implications for the expansion and potential wider adoption of blockchain technology as a source of funds. Transfer to or pay anyone, anytime, anywhere instantly with fiat currency or cryptocurrencies using PaxPay’s user-friendly payments system. The Paxlet will be a huge advancement for the global implementation of blockchain technology in conjunction with PaxPay’s global all-in-one payments system. PaxPay will also launch PaxPlace, a new concept of an open worldwide virtual marketing platform that accepts cryptocurrency as payment. This consumer-focused marketing platform will include a customizable storefront for merchants and consumers to buy/sell/auction goods globally, a cryptocurrency exchange, and also support an infrastructure that enables the consumer to hire freelancers for any type of work as well as allowing individuals to run their own freelance business for hire on an international level.

PaxPay will be an inclusive, revolutionary, all-in-one platform whose main goals include providing efficient services and solutions that will benefit, influence, impact, and transform the global cryptocurrency community, so join us and be a part of this change.

A More Detailed Look into PaxPay:

Have you ever imagined a world free of purses, carrying bags, or wallets? Picture the simplicity of a single bracelet that can do everything at the touch of your fingertips. No clutter, no useless random items, and most of all, no wallets overstuffed with plastic credit and debit cards. Say goodbye to unnecessary objects, and welcome a futuristic all-in-one cryptocurrency payments bracelet, the Paxlet. Take your Paxlet to any retailer or brick-and-mortar business to make payments seamlessly and instantaneously through use of NFC technology or swipe-and-scan capability. This high-tech bracelet serves as a cold storage that contains sophisticated security. Similar to a Ledger Nano or Trezor, Paxlet stores your private key without releasing private information. Therefore, in the event that you ever lose your Paxlet, your private information is secure and safeguarded. Never be afraid of losing your bracelet. Join PaxPay on our journey towards creating a revolutionary payments system. Manage your cryptocurrency with an app interface that syncs to your PaxPay payments app with the ability to send your address on the blockchain corresponding to your Paxlet in real-time to spend immediately.

Ever wonder what it would be like to have your own virtual storefront, but held back due to fear and uncertainty? PaxPay’s virtual market front, PaxPlace, provides countless opportunities for buyers and sellers to customize their store without hassles, hidden fees, or financial borders. Forget your worries due to unfair outcomes, and trade or auction on PaxPlace stress-free.

In addition, PaxPlace will support an infrastructure that enables the consumer to hire freelancers for any type of work as well as allowing individuals to run their own self-employed freelance business for hire on an international platform. Do you have a particular skill or trade that is unique to you? For example, are you an ace at writing or have a strong literary background? On PaxPlace, you can list your skills as a freelance copy writer for hire to make some extra income! Or have you always wanted to learn how to bake, for example, a French pastry, cupcakes, or crème brulee from scratch? Or how about learn how to do body work on a car? Now you can! Just get onto PaxPlace and hire a freelancer to come and not only do the job for you, but you can even hire them to teach you how from scratch! Let’s say you hire your choice of a listed freelancer, a skilled chef who specializes in baking or an automotive mechanic, you can hire either locally or in a whole other country. You can receive personal tailored direction in your own tutorial, either through a face-to-face home visit or an established webcam-based service on our site. It’s YOUR choice!

Whatever work, trade, skill, service you have to offer, you can list as a freelancer or contractor for hire on PaxPlace, or as a consumer you can hire a freelancer of your choice. Not only will your choices be vast as it is on a global stage, but you as a self-employed freelancer will simultaneously reach and impact a worldwide audience. Our goal is to take freelancing opportunities to the next level. We aim to be the Uber of freelance business.

for more information visit:https://bitcointalk.org/index.php?topic=3385339.0

my bitcoin profile link: https://bitcointalk.org/index.php?action=profile;u=1460674

Why do you need PA

Creating an Innovative Payments System

New age payment processing systems are among the most essential requirements of merchants and shop owners. The latest trend in shopping and buying pattern of consumers indicate that nowadays people want to pay for the stuff purchased through their ATM Cards rather than paying in cash.

According to analysis of payment patterns of modern consumers, it is clearly visible that they prefer making payments through ATM Cards only. Rate of payments made through Credit Cards have decreased.

In order to provide attractive benefits of making payments through ATM cards, merchants have adopted state of the art payment processing systems that can process ATM cards payments.

Merchant's Benefit on Such Payments through Cashless Scrip ATM

Merchant's can make money on each transaction made by ATM cards through Cashless ATM's, like traditional payment processing systems they don't have to pay processing costs for every transaction. That means added profits for merchants or storeowners using such Cashless ATM Machines.

Benefit's of Customers on Payments through Cashless Scrip ATM

Making payments through Cashless ATM's or Scrip ATM's are the most convenient way. Customers can get cash back when making purchases. For this convenience they have to pay a nominal processing fee (usually less than the processing cost incurred in Credit Card payments). The customer has to slide their ATM card through cashless ATM and then they have to enter their PIN (Personal Identification Number), after verification customers get a slip/coupon that can be redeemed at stores.

Security Concerns in Cashless Scrip ATM's

As the name suggests, Cashless ATM's hold no cash, so there is almost no risk. There is no need of any security personnel to guard the ATM Machine (as in case of conventional ATM's used by Banks that provides facility of withdrawing cash). So, it is secure for both merchants as well as customers. Even if you lose your ATM card, no one can use it without the correct PIN. That means, only authorized people can use Cashless Scrip ATM's.

The internet has played a vital and important part to encourage selling products and services online which makes life convenient for the audiences, which in an inter-connected world, is well, the whole world.

E-commerce has given rise to the concept of completely online shops selling products and services, efficiently catalogued and available for the shopper's convenience. There are several websites that stock everything from lifestyle items, collectibles, books, electronic appliances etc.

Payment methods in the infancy stages of e-commerce were not much, and were limited to online wire transfers or direct deposit.

Within the past decade, e-commerce has matured and grown exponentially. The result: now there are many types of e commerce payment methods available online. If your credit is bad and you cannot afford a merchant account, there are alternative methods of payments on e-commerce websites which can help you.

One of the most popular online e commerce payment methods is to pay via PayPal. PayPal allows anyone to send and receive payments for both online and offline goods. The best thing about PayPal is its ease of use and no verification bounding of credit rating. All that one needs to do is verify their address and personal information. PayPal account holders can simply divert their customers to a PayPal order checkout page, or if the type of PayPal account allows it, payment can be done directly into a PayPal account using only the email address tied to the account like payments@abccompany.com.

Another e commerce website payment method is Google checkout. This service is run by Google, owner of the famous search engine. Google checkout is fast becoming a popular and favorite payment method for many e commerce website owners. The reasons, for starters are that the service is user friendly, easy to use and extremely reliable. When you think from the business owner's end, Google Checkout typically charges less merchant fees than PayPal.

Newer payment methods are also making their presence felt. One of such an innovative payment method available online is iKobo. The way iKobo works is that any customer can choose a payment source, which can be a bank account or a credit card, and tie up that payment source with an iKobo account.

When a customer wants to pay an online website/vendor, all that he needs to do is specify the amount and pay the service fees on top of that. The first time a customer does this with a particular vendor, the vendor gets a VISA debit card from iKobo shipped to him/her. This card issuance is a one time procedure. Then on, if anyone needs to pay an online vendor that has an iKobo debit card, all they need to do is specify the card number, and the payments gets transferred.

Mission statement:

PaxPay aims to provide consumers in the cryptocurrency market an innovative experience by creating an all-in-one global payments system featuring a smart device cryptocurrency bracelet called the Paxlet. Use the Paxlet in place of credit and debit cards at any brick-and-mortar retailer or business to pay with cryptocurrencies in the real world. The Paxlet will serve as a reliable and effective method of payment using cryptocurrencies in brick-and-mortar retailers and businesses, which could have massive implications for the expansion and potential wider adoption of blockchain technology as a source of funds. Transfer to or pay anyone, anytime, anywhere instantly with fiat currency or cryptocurrencies using PaxPay’s user-friendly payments system. The Paxlet will be a huge advancement for the global implementation of blockchain technology in conjunction with PaxPay’s global all-in-one payments system. PaxPay will also launch PaxPlace, a new concept of an open worldwide virtual marketing platform that accepts cryptocurrency as payment. This consumer-focused marketing platform will include a customizable storefront for merchants and consumers to buy/sell/auction goods globally, a cryptocurrency exchange, and also support an infrastructure that enables the consumer to hire freelancers for any type of work as well as allowing individuals to run their own freelance business for hire on an international level.

PaxPay will be an inclusive, revolutionary, all-in-one platform whose main goals include providing efficient services and solutions that will benefit, influence, impact, and transform the global cryptocurrency community, so join us and be a part of this change.

A More Detailed Look into PaxPay:

Have you ever imagined a world free of purses, carrying bags, or wallets? Picture the simplicity of a single bracelet that can do everything at the touch of your fingertips. No clutter, no useless random items, and most of all, no wallets overstuffed with plastic credit and debit cards. Say goodbye to unnecessary objects, and welcome a futuristic all-in-one cryptocurrency payments bracelet, the Paxlet. Take your Paxlet to any retailer or brick-and-mortar business to make payments seamlessly and instantaneously through use of NFC technology or swipe-and-scan capability. This high-tech bracelet serves as a cold storage that contains sophisticated security. Similar to a Ledger Nano or Trezor, Paxlet stores your private key without releasing private information. Therefore, in the event that you ever lose your Paxlet, your private information is secure and safeguarded. Never be afraid of losing your bracelet. Join PaxPay on our journey towards creating a revolutionary payments system. Manage your cryptocurrency with an app interface that syncs to your PaxPay payments app with the ability to send your address on the blockchain corresponding to your Paxlet in real-time to spend immediately.

Ever wonder what it would be like to have your own virtual storefront, but held back due to fear and uncertainty? PaxPay’s virtual market front, PaxPlace, provides countless opportunities for buyers and sellers to customize their store without hassles, hidden fees, or financial borders. Forget your worries due to unfair outcomes, and trade or auction on PaxPlace stress-free.

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On the five types of intelligence and why we need to develop comprehensive intelligence tests that will measure all types of intelligence.

If in your teenage years you felt like an alien from another planet, felt like you could not relate to people, felt like a social misfit, odd, out of place, never had too many friends, felt like a loner, felt that the world is too stupid for you to be part of it, and still feel a bit out of place, my recommendation is that you go to the nearest psychology laboratory and measure your Intelligence Quotient (IQ). That's what many young adults must do to avoid getting into a prolonged depression. Your IQ score if it's unusually high or at the level of genius will give you significant insight into your own emotional condition and the state of the world around you. Then you'll stop feeling depressed or suicidal and will simply start looking at the world from a different perspective. You'll also find the apparent stupidity of the world around you rather amusing.

Intelligence is a general cognitive ability to acquire and apply knowledge. It also refers to learning, self-awarenesss, creativity and perception. Intelligence literally means to comprehend or perceive and most Western philosophers from Thomas Hobbes to David Hume have referred to intelligence as 'understanding'. Understanding and perception are terms used by philosophers, although the concept of intelligence is considered very important in psychology.

Psychologists largely agree that intelligence is the ability to understand complex ideas, to adapt to the environment and to solve problems. A popular theory used by psychologists is the 'two-factor theory' of intelligence developed by Charles Spearman. Spearman used a statistical method called factor analysis to divide intelligence into the 'g' factor which largely stands for general factor and 's' or specific factor that gives us unique or specific abilities to complete specific tasks.

The general factor or 'g' is very important as a person with a high general intelligence will be able to do or learn anything without much difficulty. Logic, spatial ability, linguistic and mathematical ability are all part of general intelligence. Academic achievements and occupational success are predicted with the g factor. According to this theory, the specific factor or 's' could be musical or artistic ability or technical ability. Some people are more adept in using computers and technology and have a high 's' factor related to technical ability. Psychologist Robert Sternberg identified three types of intelligence in his triarchic theory namely analytical, creative and practical. Analytical intelligence is the intelligence that you use to write analytical essays and the problem solving skills required for standardized tests. Creative intelligence is about coming up with novel ideas and concepts and indicates the level of creativity in a person. Practical intelligence has to do with logic and it is required to perform daily tasks.

In this exposition, I go beyond the theories of Intelligence in psychology and suggest that there are basically five types of intelligence -

General or Cognitive

Emotional

Social

Creative

Technical

I'm inclined to add 'spiritual intelligence', but spiritual awareness is a combination of creative and emotional intelligence, so I won't put that in a separate category.

General or cognitive intelligence is similar to the g factor and relates to general intelligence. This is the intelligence measured in intelligence tests and if you get a high IQ score, it means you have a high general intelligence which makes you capable of handling all situations in an intelligent manner, whether you are running a business, playing chess or training your child. Creative geniuses as we know have high general intelligence and high levels of creative intelligence which is actually one's ability to imagine or create things. If you have high creative intelligence it means you'll be very creative in all situations, whether you're writing a book, cooking or making love. A poet or an artist will tend to have high creative intelligence and high cognitive or general intelligence. A scientist will usually have large amounts of technical and theoretical knowledge and will thus have high technical intelligence and high general intelligence. Criminologists, psychologists, social workers, politicians deal with people all the time and these occupations need high general as well as high social intelligence.

Psychologists, politicians, parents, teachers require high social and high emotional intelligence along with the common general intelligence because emotions are the central part of a growing child or adolescents and teacher-student or parent-child relationships. Firefighters, rescue workers, emergency workers need very high levels of emotional intelligence along with high general intelligence. Doctors, nurses, paramedics, mechanics, engineers need technical skills and high levels of technical and general intelligence. Businessmen, entrepreneurs, innovators need varying levels of creative intelligence, general intelligence and technical intelligence depending on the focus of their business or enterprise. Professors and academics usually have very high levels of general intelligence, although they must have the requisite technical knowledge in a specific subject or subjects and thus tend to have high technical intelligence. Professors are also teachers so they must have social intelligence to successfully interact with their students. Journalists, diplomats, activists all have high levels of social intelligence along with the general intelligence..

Traditional IQ tests tend to measure just the general intelligence, and anyone with an IQ score of 145 and above is considered a genius. Yet IQ scores do not adequately measure the other types of intelligence. IQ tests don't measure creative intelligence and yet highly creative people are considered geniuses. It is generally agreed that high creativity also indicates high intelligence. The logic is, when someone is highly intelligent and is able to manipulate several concepts, they are also able to come up with unique or creative solutions and ideas. Traditional IQ tests also don't measure social intelligence or emotional intelligence. So these IQ tests may be fundamentally incomplete in a certain way.

It has been argued that high IQ people are not always socially and emotionally adjusted. I will argue, that geniuses are well liked in society and do have a high level of social and emotional intelligence. They also have high creative intelligence and high technical intelligence as they are especially interested in complex subjects. There may be some resistance to my argument that geniuses have high social and emotional intelligence because geniuses do have more social and emotional problems than most average intelligence people. They may not relate to people, may have a problem with self-control and could have a history of depression or addiction. However, they tend to have a strong sense of the appropriate social and emotional responses to situations. Highly intelligent people do know which would be the best social or emotional response in a specific situation. However it is possible that a person with a very high level of general intelligence or IQ may require some maturity or may need to reach a certain age before they develop very high levels of social or emotional intelligence. High IQ individuals typically need more time to understand how social norms work or how people react in social situations. This is because geniuses or high IQ people tend to remain preoccupied with abstract concepts, they are usually not interested in interacting with people, unless it's a highly abstract intellectual discussion. The apparent stupidity of the world also seem rather baffling, so they retreat into their own world. Yet as I argued, high IQ people tend to have full understanding about appropriate social and emotional reactions and responses but may not always act that way.

Howard Gardner, a professor and psychologist at Harvard has recently proposed a theory of multiple intelligences. He has considered nine types of intelligence including linguistic, musical and existential intelligence. I would argue that musical and existential intelligences are part of a broader creative intelligence, according to my theory. Linguistic ability is almost a technical ability as you tend to see the connections between words and concepts quickly. Learning computer programming may be similar to learning a language, so linguistic skills are largely technical skills and linguistic ability requires technical intelligence along with a high level of general intelligence. Gardner also proposed bodily intelligence, but I would consider that as sensitivity or sense perception rather than intelligence. Pedagogical intelligence proposed by Gardner, requires social, technical and general intelligence. So, all of Gardner 's ''intelligences" can be grouped into the five types of intelligence I have presented.

As I already mentioned, we need to develop a comprehensive theory of intelligence and intelligence tests must measure all five types of intelligence, instead of just the general intelligence that largely defines IQ. Gardner's theory of nine types of intelligence is not a very convincing theory, despite its popularity. Developing a comprehensive intelligence test with these five types of intelligence will help us to understand the overall abilities of a person and will be extremely helpful in occupational psychology, because all occupations seem to require high levels of general intelligence and one or two of the other four types of intelligence.

Forex trading or foreign currency trading refers to a transaction in the Forex market involving the purchase and sale of different currencies. You don't need to be a specialist or possess degrees to trade in foreign currency. It is fairly simple to understand and learn foreign currency trading.

Let us start by understanding who the players are in this trading. Foreign currency trading is done between and among major financial institutions, central banks, retail currency traders or speculators, large international companies, government institutions, companies with overseas operations and the like.

Trading in stock market is regulated by central exchanges. In foreign currency trade transaction is carried out at the Inter bank Market, which is also regarded as an OTC Market. The trade transaction is directly done between two counterparts over global electronic network. The main Trading centers of the world are Sydney, Tokyo, London, Frankfurt and New York operating 24 hours a day. Foreign currency trading begins each day in Sydney, and moves around the globe by moving to Tokyo, London, and New York. This offers flexibility to investors to take advantage of currency movements that are often caused by political, economic or social causes any time of the day.

Anyone who intends to learn foreign currency trading with the goal of making profits in the market must understand the importance of tracking and analyzing price movement of foreign currencies. Various currencies of the world are given a three-letter code to be used in forex trading. Foreign currency trading always involves currency pairs, which basically is the exchange rate of one currency over another. The commonly traded currency pairs are GBP/USD, EUR/USD, USD/JPY, USD/CHF, AUD/USD

How does one actually book profits in forex trading?

The thumb rule remains the same as any other product - buy low and sell high. To give an example a trader may decide to buy EUR and sell USD. Simultaneously he may buy USD and sell AUD. This buying and selling in Forex terminology is referred to as the trader going long or short respectively. In each currency pair the first currency is the base currency and the second one is referred to as the counter or quote currency.

Another set of unique terminologies that you will come across frequently when you learn foreign currency trading is Bid and Ask price or spread. Bid price is the price at which a broker is willing to buy and ask price is the price at which the broker is willing to sell. Therefore Bid price is the price at which a trader should sell and ask the price at which a trader should buy.

Forex trading is fairly simple to learn and you don't need to be a genius to make profits in the Forex market. You have the choice of selecting the pair of currencies that you wish to trade in the, the size of the transaction and the price at which you wish to trade. Irrespective of the currency rate movements you can decide to buy or sell. And then again physical possession of the currency is not required to perform the transaction - you perform your trade transaction to buy one and sell other one to one.

Before you actually commence trading it is however very crucial that you learn and understand the concepts of foreign currency trading clearly. You can make use of a number of online services available to assist you. Understanding Forex trading systems, the market psychology and managing risk will go a long way in determining your success in this market.

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1ST REASON TO SUCCEED

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7 REASONS TO SUCCEED