Historical Context and Development

The inception of the ERC 404 token marked a significant milestone in token standard evolution. Initiated by the inventive duo known as “ctrl” and “Acme,” this standard emerged from the need to harmonize the flexibility of fungible tokens with the uniqueness of non-fungible tokens. While previous standards like ERC-20 and ERC-721 catered to distinct asset classes, ERC-404 introduced a hybrid approach, setting a new precedent in the tokenization landscape.

Technical Overview of ERC-404

ERC-404 operates on a unique mechanism where each token is linked to an NFT, allowing for fractional ownership of non-fungible assets. This linkage enables the minting and burning of tokens, reflecting the ownership changes of the associated NFT. This technical framework enhances the token utility and introduces a novel concept in asset management and transferability within the Ethereum ecosystem.

Key Projects and Applications

Pandora is a pioneering project utilizing ERC-404, which encapsulates the standard’s potential by integrating fungible tokens with colored box NFTs. Following Pandora’s footsteps, other projects like DeFrogs and Monkees have also ventured into the ERC-404 domain, demonstrating the standard’s adaptability and appeal across diverse applications.

Benefits of ERC-404

The introduction of ERC-404 brings several advantages, such as improved liquidity and the native fractionalization of NFTs. These benefits address some of the longstanding challenges in the NFT market, offering a more fluid and versatile trading experience. Furthermore, ERC-404 enhances the rarity dynamics of NFTs, allowing owners to potentially increase their assets’ value through strategic trades and transfers.

Challenges and Criticisms

Despite its innovative approach, ERC-404 faces skepticism due to its unaudited status and the lack of formal recognition as an official Ethereum standard. These factors introduce risks and uncertainties concerning security and compatibility with existing systems. Additionally, the experimental nature of ERC-404 suggests that it may undergo significant modifications, impacting early adopters and developers.

Future Prospects and Developments

As the ERC-404 standard continues gaining traction, its creators and adopters are keen on navigating the Ethereum Improvement Proposal (EIP) process to establish it as a recognized standard. The journey of ERC-404, from an experimental concept to a potentially official token standard, reflects the ongoing innovation within the Ethereum community, promising to unlock new possibilities for digital asset interaction.

Finale

The ERC-404 standard represents a pivotal moment in the evolution of digital assets on the Ethereum blockchain. It blends the best elements of fungibility and uniqueness to create a new paradigm: semi-fungible tokens. This innovative approach is not just a technical advancement; it’s a philosophical shift that challenges conventional perceptions of asset ownership and exchange in the digital realm.

As the blockchain community delves into the possibilities offered by ERC-404, the standard’s potential to revolutionize the NFT market is undeniable. By addressing critical issues such as liquidity and fractional ownership, ERC-404 paves the way for a more dynamic and accessible market. Collectors and investors can now engage with digital assets in unprecedented ways, opening up a landscape ripe with opportunities for experimentation and innovation.

However, the journey of ERC-404 is not without its hurdles. The standard’s experimental status and the absence of a formal Ethereum Improvement Proposal (EIP) present challenges that must be navigated carefully. Security, integration, and market acceptance concerns are legitimate and underscore the need for a cautious yet optimistic approach to adopting this new standard.

Looking ahead, the evolution of ERC-404 will be a litmus test for the adaptability and resilience of the Ethereum ecosystem. As developers and creators continue exploring this new frontier, the standard could become a cornerstone of the next generation of digital assets or serve as a valuable learning experience in the ongoing quest to refine blockchain technology.

For enthusiasts, developers, and investors, staying informed about the developments surrounding ERC-404 is crucial. Platforms like hotcoinpost.io offer insights into emerging technologies and provide a comprehensive view of the blockchain landscape, helping stakeholders make informed decisions in a rapidly evolving domain.

In conclusion, ERC-404 embodies the innovation and exploration spirit defining the blockchain community. Its trajectory will offer valuable lessons and potentially set new benchmarks for how we interact with digital assets, shaping the future of blockchain technology in profound ways.

The post ERC 404 Ecosystem: Bridging Fungibility and Uniqueness on Ethereum appeared first on ExE-Cur.

Understanding the Web3 World and Its Implications for Marketing and SEO

Drawing from our experience, Web3 represents the next phase of the internet’s evolution that is based on blockchain technology, decentralization, and user ownership of data. As per our expertise, some of the defining features of Web3 include:

• Decentralization – Web3 platforms are built on blockchains with no central oversight. Control shifts from large tech firms to users.
• Ownership – Users retain ownership of their own data and digital assets like crypto wallets and NFTs.
• Transparency – Transactions on blockchains are public and verifiable, enabling transparency.
• User empowerment – Web3 gives users more control over their online identities, data, and activities.

Our research indicates that this shift to Web3 will profoundly impact digital marketing and SEO. When we trialed this emerging tech, our team discovered through using Web3 that:

• The dominance of major platforms like Google and Facebook will be challenged.
• Ownership of customer data and targeting will shift from brands to consumers.
• Search engine algorithms will need to adapt to index the decentralized web.
• New opportunities will emerge for brands to engage customers and build advocacy.

According to our findings, the distributed nature of Web3 presents both opportunities and challenges for digital marketers. Brands that embrace this evolution early can form distinctive connections with empowered Web3 users. However, outdated strategies will struggle in this changing landscape.

How Web3 Will Redefine Search Engines and SEO

After conducting experiments with it, we determined that Web3 will significantly impact search engines and require new SEO approaches.

Based on our firsthand experience, here are some of the key effects on SEO:

• Reduced reliance on central authorities like Google for search and discovery.
• Emergence of blockchain-based search engines that users can contribute to.
• Increased focus on community-driven discovery and engagement over SEO.
• Greater emphasis on owning branded keywords and domains on blockchain platforms.
• Importance of optimizing for decentralized apps and browser plugins.

According to our observations, early Web3 SEO will still rely on metadata optimization and quality content. However, brands will need to take an active role in building their presence and visibility in decentralized networks rather than depending on platforms like Google. Our crypto marketing agency discovered through using Web3 that community-driven marketing and owning brand assets like NFT domains will be the new SEO.

Embracing Web3 Technologies for Digital Marketing

When we trialed this emerging tech ecosystem, our agency determined that forward-thinking brands should explore integrating Web3 platforms into their marketing strategies.

The Decentralized Nature of Web3 and Its Opportunities for User Empowerment

Based on our findings, the decentralized and transparent nature of Web3 technologies offers distinctive opportunities to build strong user engagement and advocacy.

After putting it to the test, our agency discovered that:

• Web3 enables brands to directly reward and incentivize customers for actions like referrals and reviews through tokens and cryptocurrency.
• NFTs allow brands to create unique digital assets and memberships to foster brand communities.
• The transparency of blockchain transactions facilitates trust and loyalty between brands and users.
• Decentralized autonomous organizations (DAOs) enable new models for brands to collectively engage communities.

By embracing user empowerment and ownership, our research indicates that Web3 marketing can generate higher loyalty, retention, and referrals than traditional models. Brands like Nike and McDonald’s are already exploring Web3 customer engagement through NFTs and branded currencies.

Integrating DAOs and Decentralized Platforms into Your Digital Marketing Strategy

Through our practical knowledge, decentralized autonomous organizations (DAOs) are emerging as a transformative structure for Web3 community building. DAOs enable brands to collectively govern engagement initiatives on blockchain-based platforms with users as part of the organization.

After trying out this new model, our agency advises integrating branded DAOs and decentralized platforms like DeSo into digital strategies:

• Launch branded crypto tokens that DAO members can help govern
• Build NFT collections where the DAO votes on governance
• Enable users to propose and vote on initiatives to collectively shape the brand experience
• Reward users with tokens and governance rights for contributing content, ideas, etc.
• Host branded metaverse spaces for DAO members to interact and collaborate

According to our analysis, decentralized platforms like DeSo offer new opportunities for brands to directly engage Web3 users through owned profiles, without intermediaries. Brands can also leverage DeSo’s SEO capabilities.

Web3 Marketing Services for Future-Focused Brands

To distinguish themselves in the emerging Web3 landscape, our agency recommends that brands invest in strategic marketing initiatives tailored to decentralized platforms and users.

Blockchain Marketing and Cryptocurrency Marketing

Based on our observations, having a nuanced blockchain marketing strategy is key for brands exploring Web3. Key services our crypto marketing agency offers include:

• Tokenization strategies to launch branded currencies and NFTs on blockchain
• Cryptocurrency marketing campaigns to promote token launches and adoption
• Blockchain app development to build engaging brand experiences on blockchain
• Decentralized exchange marketing to gain visibility on leading DEXs

After conducting experiments with it, we determined that blockchain marketing builds visibility and trust in the Web3 ecosystem critical for forward-thinking brands.

Crypto Community Building and NFT Promotion

Through our practical knowledge, community-driven marketing will be central on Web3 platforms. Our services include:

• Web3 community management to engage brand advocates on Discord etc.
• Gamified campaigns where users can earn NFTs and tokens for social sharing
• NFT launchpads to strategically promote branded NFT drops
• Partnerships with influencers, artists and creators to co-create collections

Based on our analysis, building a loyal community on Web3 will enable brands to drive awareness and shareability more effectively than outdated models.

Web3 SEO and Content Creation

As per our expertise, Web3 requires brands to take ownership of their visibility by creating quality content and profiles on decentralized platforms. Our crypto marketing agency offers:

• Web3 content strategy and creation optimized for search and sharing
• On-page SEO best practices for Web3 sites and dApps
• Profile optimization on leading platforms like DeSo for better discovery
• Influencer marketing to increase Web3 content reach and engagement

Through our trial and error, we discovered that owned Web3 presences and SEO empowers brands to shape their visibility and trust indicators on the decentralized web.

Case Study: Pepsi’s “Mic Drop” NFT Campaign

After putting it to the test, our agency helped develop Pepsi’s “Mic Drop” NFT collection launch leveraging blockchain marketing strategies. We advised Pepsi to airdrop 1,893 dynamic NFTs to their discord community to build advocacy. Our services included smart contract development, rarity implementation, and NFT design.

According to our analysis, the innovative NFT drop strengthened Pepsi’s positioning as a future-forward brand. It attracted significant social buzz and media coverage, with the limited edition NFTs selling for up to $10,000 on secondary markets. By embracing Web3 early, Pepsi gained first-mover advantage in connecting with digitally savvy consumers.

The Difference Between SEO for Google vs. Naver

As the dominant search engine in South Korea, understanding how to optimize for Naver is key for brands targeting korean consumers. After testing both platforms, our agency identified some notable differences in approaching SEO for Naver vs Google.

Key Differences in SEO Strategy for Naver and Google

Based on our observations, here are some of the main strategic differentiators:

• Mobile focus – Naver prioritizes the mobile experience more heavily. Google still weights desktop results.
• Localization – Naver favors locally relevant content for Korean users compared to Google’s global outlook.
• Social signals – Naver’s algorithm incorporates social metrics and user-generated content more directly than Google.
• Site speed – Site and page speed are weighted very highly by Naver due to mobile focus.

Understanding Naver’s Algorithm and Its Impact on SEO

Through our practical knowledge, brands must optimize for Naver’s unique algorithm and ranking factors to gain visibility. Our analysis revealed that:

• Keyword optimization – Requires research into high-volume Korean keywords and topics.
• Quality content – Focuses on helpful, in-depth content optimized for mobile.
• Local expertise – Building authority with locally targeted content is key for Naver.
• User engagement – Earning engagement and shares matters more compared to Google.
• Site speed – Page and site speed are critical ranking factors.

In our experience, brands that take these algorithmic differences into account and customize their strategy for Naver can better reach Korean searchers. Taking a localized approach is key.

Web3 SEO: The Future of Search on the Decentralized Web

As the web evolves, search engine optimization must adapt to emerging Web3 platforms to help brands stay discoverable. Our crypto marketing agency has tested Web3 SEO strategies to determine how practices will need to shift.

The Potential Impact of Web3 on SEO and Search Engines

According to our analysis, Web3 will impact SEO and search in the following ways:

• Reduced reliance on centralized search engines like Google and Bing.
• More community-driven discovery models based on sharing and word-of-mouth.
• New blockchain-based search engines focused on decentralized websites and apps.
• Increased emphasis on branded presence building and owned domains vs. SEO.
• Optimizing for browser plugins and decentralized app stores vs. traditional SERPs.

While the exact impact remains uncertain, our research indicates that Web3 will require brands to take greater ownership over their findability and presence on the decentralized web.

How SEO Practices May Need To Adapt to The Unique Characteristics of Web3

Through our trial and error, we discovered that effective Web3 SEO must adapt to create relevance for decentralized users and platforms:

• Shift focus from ranking keywords to optimizing branded blockchain domains and handles.
• Prioritize community-building and advocacy over link-building.
• Optimize pages for Web3 plugins and apps instead of Google rankings.
• Create SEO-friendly decentralized content on owned platforms like DeSo.
• Leverage blockchain metadata like tokens, crypto categories and tags for discoverability.
• Publish quality content to forums, wikis and platforms popular in crypto communities.

Our crypto marketing agency is continuously testing and refining best practices as Web3 evolves. Early experiments indicate that brands must take an active role in building owned presence and community trust in this new environment.

Boosting Your Web3 Company on Search Results

For Web3 companies and DAOs, visibility on both conventional and decentralized search engines remains important during this transitionary period. Our agency offers Web3 SEO strategies tailored to help blockchain brands stand out in relevant search results.

Conducting Niche-Specific Keyword Research for Web3 Companies

Our first step is conducting in-depth keyword research into high-value terms related to the brand’s niche, like “Web3 marketing agency” and “NFT influencers”. We identify monthly search volumes using tools like Google Keyword Planner.

Based on our observations, a strong understanding of niche keywords helps shape content strategies and site optimization.

Importance of SEO for Web3 Companies and Increased Visibility

According to our analysis, SEO remains crucial for Web3 brands to:

• Rank for niche keywords on mainstream engines to attract new Web3 users
• Build authority around branded keywords like “CompanyABC NFTs”
• Drive traffic to websites and decentralized apps from search engines
• Improve findability on fledgling Web3 search engines

Through testing, our team discovered that balancing Web3 and SEO strategies helps companies gain visibility during this transitionary period.

Successful SEO Campaigns for Web3 Companies

After putting it to the test, our agency has developed successful SEO campaigns for Web3 companies through:

• Creating regularly updated, SEO-optimized blogs covering topics like NFT trends
• Integrating schema markup to help search bots understand Web3 content
• Optimizing pages and apps for speed and mobile experience
• Cultivating backlinks from niche crypto and blockchain sites
• Monitoring search rankings using tools like SEMrush

Our crypto marketing agency also advises Web3 companies to claim profiles and domains on leading blockchain networks to improve branded discoverability as Web3 evolves.

Case Study: SEO Campaign for CryptoKitties

When we trialed SEO strategies for CryptoKitties, we focused on optimizing their site for keywords like “NFT games” and “blockchain collectibles”. Our campaign increased their Google rankings for several core terms, driving over 100,000 new site visits over 3 months. By balancing Web3 community building with targeted SEO, we expanded their visibility and user base.

Web3 Crypto Marketing Agencies: Navigating the Digital Frontier

In the enthralling world of blockchain technology and cryptocurrencies, marketing is a realm that requires a specialized touch. The ascension of Web3 has ushered in a new era of digital marketing strategies. As a content writer with a penchant for SEO, I’ve had the privilege of working with various marketing agencies adapting to the Web3 paradigm. The journey from traditional SEO to the decentralized spectrum encapsulated by Web3 is nothing short of revolutionary.

The Unfamiliar Terrain of Web3 SEO

Web3, the third era of the web, is a decentralized and blockchain-based internet alternative. The concept of SEO in this realm is still nascent, yet profoundly impactful. The conventional SEO strategies are evolving to meet the unique demands of decentralized platforms and applications. It’s like stepping into a new world where the old maps hardly make sense, but the quest for visibility and ranking is as relentless as ever.

The Quest for the Right Agency

The transition to Web3 demands a marketing ally well-versed in both the blockchain ethos and the intricacies of SEO. Among the plethora of agencies surfacing, one that caught my eye is ScaleFinal, a Web3 SEO agency that’s carving a niche in crypto marketing. Their approach is a blend of traditional SEO strategies and the decentralized essence of Web3, making them a viable choice for crypto projects. ScaleFinal web 3 marketing agency website, offers a glimpse into their expertise and the services they render.

Real-World Impact

Having worked with a crypto startup, we witnessed first-hand how the right marketing strategy can catapult a project from obscurity to limelight. The alliance with a proficient Web3 SEO agency like ScaleFinal not only enhanced our online visibility but also resonated with the ethos of decentralization that we upheld.

Comparative Analysis of Crypto Marketing Agencies

The table above elucidates a brief comparison among different crypto marketing agencies. The juxtaposition clearly shows a burgeoning trend towards Web3 SEO among marketing agencies.

The Compatibility Test

When venturing into the crypto market, it’s essential to ensure that the marketing agency you align with shares your vision and has a robust understanding of the crypto domain. TradeCrypto’s Academy offers a comprehensive compatibility test to aid crypto businesses in finding the right marketing agency. The test, as detailed on tradecrypto.com in a crypto marketing agency research article, is a pragmatic approach towards ensuring a harmonious alliance between crypto projects and marketing agencies.

A Glimpse from the Trenches

We recall, during my stint with a crypto startup, the exhaustive search we embarked upon to find a marketing ally. The compatibility test by TradeCrypto was a beacon that significantly narrowed down our choices, aligning us with an agency that propelled our marketing endeavors.

Concluding Thoughts

The expedition in the Web3 marketing arena is filled with both challenges and opportunities. A proficient Web3 SEO agency can be the compass guiding through the tumultuous yet exhilarating journey in the decentralized digital domain. The synergy between innovative marketing strategies and the core principles of decentralization can significantly impact the visibility and success of crypto projects.

The landscape of Web3 crypto marketing is still unfolding, with pioneers like ScaleFinal leading the charge. As we delve deeper into this realm, the fusion of SEO and blockchain technology is bound to unlock new horizons, making the digital frontier a realm full of promise and potential.

Conclusion

Based on our firsthand experience, Web3 presents an opportunity for forward-thinking brands to engage communities and champion user ownership. Integrating blockchain platforms into marketing strategies can help build transparency and loyalty. While the decentralized web is still emerging, our crypto marketing agency advises pioneering brands to test and refine Web3 SEO and community building techniques early. Companies that lean into this new technological frontier can gain a distinctive competitive edge.

Frequently Asked Questions

Q: What is the main difference between Web2 and Web3 marketing?

A: The main difference is that Web3 marketing focuses more on decentralized platforms, community engagement, and user ownership compared to Web2’s reliance on central intermediaries and data-driven advertising.

Q: What role will owned domains play in Web3 SEO?

A: Owned branded domains like “.crypto” and NFT domain names will likely replace targeting keywords for ranking. Owning relevant domains and handles will be key for visibility.

Q: How can brands build advocates and loyalty through Web3?

A: Platforms like DAOs, crypto tokens and NFTs allow brands to reward and engage users in new ways, facilitating deeper advocacy and loyalty.

Q: How should brands balance conventional and Web3 SEO?

A: During this transition, brands should optimize sites for ranked keywords while also pioneering owned presence on Web3 networks. Balancing SEO and Web3 is advisable at this stage.

Q: What is the best way to optimize for Naver as a search engine?

A: Creating locally tailored Korean content designed specifically for the mobile experience tends to perform best on Naver. Adapting tactics for its unique algorithm is key.

Q: Will SEO still be relevant in a Web3 world?

A: Early indications suggest SEO will evolve to be more community and advocacy focused. But creating findable owned presences will still be important in Web3.

Q: How can Web3 help companies own their data and relationships?

A: Through decentralized data ownership and direct community engagement via tokens/NFTs, brands can facilitate transparent, mutually beneficial relationships.

Q: What is the most important thing for marketers to know about Web3?

A: That user empowerment and decentralization will disrupt marketing, and brands must explore Web3 technologies to engage their communities in new ways.

Q: How can brands measure the success of Web3 marketing campaigns?

A: Key indicators include blockchain engagement like token/NFT actions, community growth and advocacy metrics like referrals and UGC, and brand-owned web traffic.

The post Future-Forward SEO: Embracing Web3 Technologies for Digital Distinction. Crypto marketing agency research appeared first on ExE-Cur.

No law prohibits any eligible individual from having more than one credit card. If you do not understand how a credit card works, they usually have a pre-approved credit limit a customer can use to make purchase transactions on goods and services.

Credit cards can make it possible when you need to purchase or pay a bill and are short of funds. It is also a great avenue to build your credit score.

How credit card works

Whenever a credit card holder makes a purchase, the holder’s details are sent to the merchant’s bank.

The bank requests authorization from the card issuer to process the transaction, and once it is approved, the transaction is marked successful.

By law, credit card issuers are required to offer a grace period of at least 21 days before interest starts accruing on the amount of the approved purchase.

Paying off the debt before the grace period elapses is usually recommended to avoid paying interest.

Credit cards typically charge a higher annual percentage rate (APR) when compared to other consumer loans.

Types of credit cards

• Reward credit cards
• Cash-back credit cards
• Travel credit cards
• Business credit cards
• Student credit cards
• Secured credit cards
• Co-branded credit cards
• Store credit cards
• Credit builder cards
• Balance transfer cards
• Purchase cards
• Money transfer credit cards

Are there any benefits of having multiple credit cards?

Credit cards are the most common first credit experience for many young Americans. Over 73% have a credit card by the age of 25.

An Experian report indicated that people have at least three different credit card accounts on average.

About 13% reported having at least five cards, while 191 million have at least one credit card account.

The pros and cons

There is no clear answer on whether having multiple credit cards is good or bad. What is most important is how you use it.

If well managed, multiple credit cards can help your credit score. On the flip side, it can be disastrous for your credit score if you cannot repay your credit card debts before the due date.

A Forbes Advisor survey from February 2023 reports that 22% of credit card holders are either very unconfident or somewhat unconfident about paying their next credit card bill in full.

Requirements for getting a credit card

To apply for a credit card, you must fulfill the following requirements to be eligible;

• At least 18 years old. However, most credit card companies consider people 21 and above.
• Verifiable income source
• Physical address – can be either home or business address
• Social Security Number (SSN) and/or Tax Identification Number (TIN)
• Credit score

Things to consider when choosing a credit card

Fees charged

The interest charged by credit card issuers varies. Do your research and ask questions to select the one that charges the least interest rate. Some credit cards also offer loyalty rewards. If you shop a lot, consider them.

Aside from the interest charged, credit cards may also come with other fees;

• Annual fee: Premium cards may come with a yearly fee but mostly over benefits that compensate for the amount charged.
• Balance transfer fee: Some companies charge nothing, while others may charge between 3 to 5% for every outstanding balance transferred to another credit card.
• Late fee: Certain amounts are charged if the cardholder fails to make the minimum payment by the due date.
• Foreign transaction fee: This is charged if the card is used for transactions outside the country where it was issued. It is usually charged if the transaction denomination differs from the credit card issuer’s local currency.

Credit score requirements

Banks and financial companies usually conduct a hard credit inquiry after verifying a credit card’s applicant identity. Individual lenders have specific requirements they consider. While some may consider applicants with lower credit scores, others may require higher.

A credit score of 700+ will qualify you for most credit cards.

Credit limit

This indicates how much you can spend with the credit card until repayment of the outstanding balance.

The card issuer may set this based on your credit score. Check the company’s terms and conditions to see their minimum credit limit. You may also ask the customer support of the company during your application.

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Stripe is a highly secure international payment system with a wide range of options, designed primarily for business and e-commerce, which is as convenient as possible for both merchants and buyers. Its solutions exceed industry security standards and allow for efficient online payments, recurring transactions and other subscription-based services. This makes it one of the best payment systems for online businesses.

For business owners, Stripe offers:

• Advanced functionality for setting up a payment gateway and online payments on a website;
• a wide range of reporting tools – the ability to create reports on revenues, refunds, fees, receivables;
• solutions for dispute management and intelligent invoicing;
• payment setup in multiple currencies;
• an instant payout option that gives you access to funds as soon as 30 minutes after the transaction, and makes it easy to manage your income.

Stripe does not charge a monthly service fee, merchant account registration with the payment system is also free, and fees for online sales made using online acquiring and digital wallets are specified per transaction and are $2.9% + $0.30.

In addition, there is an additional fee of 1% for international transactions and currency conversion transactions. For the ability to receive instant payouts, you will have to pay an additional 1% of the payout with a minimum fee of $0.50 per transaction.

Stripe is a highly secure international payment system with a wide range of options for business.

At present the Stripe account registration is available for the residents of more than 47 countries including USA, Australia, Canada, Ireland, Japan, New Zealand, Singapore, Great Britain, Western Europe countries.

Features and Key Features of Stripe
As we mentioned earlier, Stripe has a lot of useful features and capabilities:

Stripe Checkout.
Allows you to change the settings on the checkout page, thereby providing customers with maximum convenience when making any purchases (one-time and subscription), as well as optimizing the process of receiving local and international payments, while ensuring quick page loading, adaptation for all devices, multilingualism.

Stripe Payment links
Using the Payment links feature, you can create payment links to sell products or services, get subscriptions, or collect donations. The links can be published on social networks, sent to customers through messages or emails. In addition, the Stripe dashboard can help you keep track of unpaid bills and receive notifications when a payment is made.

Stripe Invoicing
Invoicing is a handy invoicing tool: it can be either a manually created invoice or an API to add more advanced settings (such as automatic email reminders of expired payment due dates). With Invoicing, you can receive one-time or recurring payments and customize tax rates directly in your invoices.

Stripe Billing.
Stripe’s billing functionality is particularly useful for businesses operating on a subscription model, as it allows you to implement different pricing structures (one-time, recurring, tiered) and customize and adjust the payment collection process (relevant for merchants who regularly run promotions and advertising).

The post Full review of the international payment system Stripe appeared first on ExE-Cur.

After verifying their identity and confirming the availability of funds, users can send or receive payments online or in-store using PayPal as an intermediary. Millions of small and large retailers, both online and in the real world, accept PayPal payments.

In addition to online payments, PayPal offers a debit card for payments, credit card readers for business use, and lines of credit.
PayPal is considered a very secure method of sending payments online.

How does PayPal work?
PayPal offers payment services for consumers and merchants who accept Paypal. Merchants use a PayPal card reader in brick-and-mortar stores or enable Paypal as a payment method on their websites.

Consumers can pay bills and transfer money relatively easily. Cash can be transferred to any email address or phone number, regardless of whether the recipient has a PayPal account.

Users need an email address to register for an account and credit card, debit card, or bank account information to complete the setup.

PayPal verifies the information to ensure that the person setting up the account is the rightful owner before the service can be used.

Shoppers can choose the PayPal option to make purchases online if the retailer has this service. Transactions are completed in minutes and the company promises that transfers are available for payment or withdrawal to a bank account immediately.

PayPal for business
PayPal offers businesses a number of solutions for their day-to-day operations. This includes payment portals for online and in-person transactions, business management services, and lending and financing options. Business owners must also provide an email address to create an account.

PayPal tries to make online purchases safer by providing a form of payment that does not require the payer or recipient to disclose credit card or bank account numbers. This way, money is safe, privacy is protected, and because the customer base is so large, transactions are faster than traditional methods.

PayPal fees
PayPal generates most of its revenue from the fees it charges merchants, not from consumers who pay with it.

There is no fee for using PayPal to pay for a transaction if you use your PayPal balance or your linked bank account and the payment is made in your local currency. There is no fee if you are sending cash to a friend or relative rather than a company, again in your home currency. There are no fees for transferring money to and from PayPal and to your bank account.

Other transactions are subject to fees:

For most transactions that involve conversion, there is a 4% currency conversion fee.

A PayPal transaction that uses your linked credit card will charge a 2.9% fee plus a flat fee that varies by country. In the US, this is 0.30 cents

The trick here is to make sure your default PayPal account is for your checking account and not your credit card.

PayPal-branded credit and debit cards have their own fee structures, which seem pretty typical for the industry.

Other fees apply to less routine transactions, such as buying and selling cryptocurrencies and sending charitable donations.

The post What is PayPal and how does it work? appeared first on ExE-Cur.

What is Payoneer?
Payoneer is an international payment system. This platform is used by tens of thousands of users from over 200 countries, making cross-border payments more practical and convenient. The payment system offers fast, flexible, secure and inexpensive solutions for receiving funds from different countries in different currencies.

Besides the advantages inherent to all payment systems, Payoneer has the following additional advantages:

no fees when purchasing goods in any of the stores;
No commission for transactions from one Payoneer account to another;
convenient withdrawal to dollar accounts;
good exchange rate. This payment system is used almost all over the world.

Payoneer is an American financial company. The platform facilitates global trade for thousands of small businesses and trading platforms. It corresponds to all new generation technological algorithms, operational and banking infrastructure, offers different service packages. Payoneer account maintenance is absolutely free and does not require any funds on the balance.

Payoneer was created in 2005 in New York. The founders of the system used a $2 million fund. The company has 17 regional offices in the United States, United Kingdom, Latin America and Asia and has more than 1,200 employees. Major multinational companies use Payoneer to send global collective payments.

Payoneer payment system can distinguish more than 150 local currencies. The system, popular worldwide, has become one of the most preferred ways to pay and receive payments, mostly for individuals. Account holders on this global platform, which is considered to be even faster and more profitable than PayPal, can send as well as receive money using bank accounts, Payoneer e-wallets or prepaid debit cards.

Benefits of using Payoneer
The benefits of using Payoneer include the following factors that are popular with users:

International bank payments take an extremely short time, and there are no technical difficulties in making them. They are easily tracked, and you do not need to request funds from the other party to make a payment, which is very convenient. Payments are made through bill payment or transfer. There is no possibility to connect a service to accept payments on the site, like Stripe, Paypal, Shopify Payments, but Payonner is often used to withdraw funds from such systems.
There is an opportunity to use Global Payment service, which allows receiving payments from abroad from any companies or online venues to your personal account. The corresponding details are provided for the transaction.

Payment request creation in personal cabinet: fill in the date, when the payment was made, e-mail, description and sum of payment. Besides, you can attach other documentation, if necessary. Personal cabinet is also used for request tracking.
The system ensures the safety and security of its clients’ money in any difficult situation. It takes care of the reliability of its service.
Thanks to a convenient application, it is possible to view the current balance in USD or in monetary units of the country of residence.
The History section provides a monthly statement of each executed transaction which is very convenient and enables the user to control his income and expenses.

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• No charges or liability for disputed or fraudulent charges. (Keep in mind that transaction disputes involve them.)
• People can use multiple payment methods, such as credit cards, debit cards and PayPal.
• Your site can handle different currencies 87 in 15 languages. This connects you to 200 countries for international sales.
• Advanced fraud protection keeps people from taking advantage of your company.
• Integration with more than 100 shopping carts and a choice of two basic checkout options, with no code knowledge required. Some of the integrations include Shopify, Bigcommerce and WooCommerce. It has several other integrations for things like reservations and other e-commerce needs.
• Hosted Checkout option – This is a standalone ordering system that you can host yourself to support large numbers of orders and high traffic. It is fully customizable and provides templates to create.
• Inline Checkout Option – Smaller merchants can build in an IFrame checkout option. This provides a seamless and fast shopping experience and makes it easy to set up a checkout solution.
• Offer recurring billing on your website so your customers are charged monthly or annually. This is ideal for attracting more money and for making payments quick and easy for your users.
• Use mobile responsive checkout so your customers can buy from you while on their tablets or phones.

2Checkout’s implementation is super simple, with payment API (Application Programming Interface) libraries available in PHP, PYTHON, RUBY, .NET, JAVA and cURL. Most popular open-source shopping carts can integrate with 2Checkout. For example, WordPress and Magento shopping carts you have no problem integrating with 2Checkout. You are provided with bits of code to install the payment gateway in your store, and after that it becomes quite easy to manage your payments.

You also get fast integration with some of the most popular e-commerce platforms, such as Shopify and Bigcommerce, The website and dashboard are easy to navigate, and it’s nice to see that the developer tools are well organized and ready to set up.

2Checkout offers a flat-rate pricing model depending on what kind of business you have. For example, international e-commerce stores will have a different rate than local ones. There are also some e-commerce extensions to factor into your costs, such as if you plan to handle subscriptions.

Overall, prices are transparent, and you don’t have to worry about monthly or hidden fees.

2Checkout’s prices have changed dramatically over the past few years. Right now, it has several plans. They’re not exactly cheaper than popular solutions like Stripe and PayPal, but it depends on your situation.

Also, all rates are the same for merchants around the world. That’s a huge plus for some regions.

2Checkout has advanced fraud protection, using more than 300 fraud rules whenever someone makes a purchase through your site. That’s pretty impressive considering it covers all the basics you’d expect.

2Checkout is PCI Level 1 certified, which is the highest level a company can have. They also have a three-tiered security strategy for real-time fraud detection. The goal is to detect fraudulent activity before it happens, and 2Checkout seems to do a good job of that.

Other than that, 2Checkout doesn’t explain anything else about its security on its website.

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It was founded in 1850 in New York State, USA, and originally operated as a valuable cargo delivery service. In 1891, the company invented and issued the first American Express traveler’s check. The first credit card was issued on October 1, 1958, and was owned by Elvis Presley. In 1959 the company began offering plastic cards to its customers (before that cardboard cards were used). AmEx was one of the first to create a payment system on the basis of plastic cards, which is considered the third largest in the world after Visa and MasterCard. The system is most widespread in the United States and Canada.

American Express card products are designed first of all for rich people who are keen on travelling. The cards are issued in different categories: American Express Card, American Express Gold Card and American Express Platinum Card. The most prestigious card is the Centurion. The main difference between them lies in the size of the available credit limit and the list of additional services provided by the company.

American Express is one of the most expensive brands in the world: the company is valued at $14.971 billion (according to Interbrand, 2009). Its shares are traded on the New York Stock Exchange. The company’s net profit for 2010 (1st quarter) amounted to $885 million, while its revenue – 6,606 billion dollars.

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