Authorize

So, you’ve got your Virtual Phone Line. Congratulations, now you need to know how to top up your account and keep funds added on. There are two methods of making payment on Virtual Phone Line: credit card and Western Union. If you scroll to your account, once you have logged in your virtual phone line dashboard, click on where it says “in order to pay by credit card, you must access the special form.” Click there, and as you can see, you would download the Microsoft Word file or the Html file, print, fill it in, sign it and fax it to us at one of the numbers listed. Include clear copies of the front and back of thee credit card, the first page of the last credit card billling statement showing the billing addressee’s name and a photo ID. These IDs must match the billing address on your name of the credit card statement, so I know you can understand that. The other method is by Western Union. You can see the directions there at www.virtualphoneline.com With the Western Union quick pay option, you can actually instantly send the payment for service. These are the directions, explained very clearly. You should send it to our company, under our company code (SUPERPHONE, FL). Please include your account number and other information so that we can verify your payment. If you’re not be able to send to business or company, we have an alternative method as you can see here, again, virtualphoneline.com/wu. Here’s the Western Union website and as you can see, you can sign up for an …

With Intuit GoPayment and the mophie marketplace complete credit card solution, you have everything you need to securely process credit card payments on your iPhone 3G and 3GS.

With Intuit GoPayment and the mophie Marketplace credit card reader, you have everything you need to securely process credit card payments on your iPhone. It’s simple to get started. Get started in as few as 15 minutes, and begin accepting all major credit cards on your iPhone so you can get paid on the spot.

Compatible with iPhone 3G/3GS models.

Process any major credit card by entering card information directly into your iPhone with the swipe of a card.

With Intuit GoPayment and the mophie Marketplace, you have everything you need to securely process credit card payments (see larger image).

GoPayment Rates and Services Monthly Service: $12.95 Swipe Rate: 1.7%1 Keyed Rate: 2.7%1 Transaction Fee: 30¢1 Set-up Fees: NONE Cancellation Fee: NONE Monthly Minimum: NONE

This Complete Credit Card Solution is perfect for small business owners who do business away from their office like plumbers, contractors, photographers and retailers who attend art festivals. Intuit already provides payment processing service to over 250,000 small businesses and processes in excess of $100B in transactions per year.

Offering an innovative, lightweight design complete with a soft-touch finish, the mophie Marketplace fits well in your hand and protects your iPhone from bumps and scratches. You can even charge and sync your iPhone with iTunes without removing the mophie marketplace case with the pass-through micro-USB port. It’s compatible with the iPhone 3G and iPhone 3GS models (iPhone not included).

The Complete Credit Card Solution

• Quick Transactions: Ability to process a credit card payment in three easy steps virtually anywhere, digital signatures, and e-mail or text message receipts makes the Complete Credit Card Solution the ultimate solution for mobile payment transactions.
• Complete Mobile Payment Solution: Quick and easy transactions on-the-go. Process any major credit card on your iPhone with the swipe of a card.
• Fully Protected: The marketplace Complete Credit Card Solution has a protective form-fitting, light-weight, low-profile design complete with a soft-touch finish.
• Works with QuickBooks: Sync your account information and payment data with Intuit QuickBooks² without removing the marketplace from your iPhone by using the included USB cable.

Getting Started Is Easy

Download the free Intuit GoPayment app and enjoy low merchant service rates with no set-up fees, no monthly minimums and no cancellation fees.

Set up your merchant account today by applying from the GoPayment app, by phone, or online at mophie.Intuit.com.

Begin accepting all major credit cards and manage you GoPayment account 24 hours a day, 365 days a year with your free Intuit Merchant Service Center.⁴

Get Paid in 3 Easy Steps with GoPayment

1. Open the GoPayment App and log in to your account
2. Swipe or manually enter credit card information
3. Enter amount to be charged, scan card and have the customer sign with their finger. It is that easy.

Digital signatures, e-mail or text message receipts, and the ability to take payment virtually anywhere (see larger image).

Safe Transactions, Easy Receipts

Be sure to let your customers know that their information is safe and secure. All transactions are immediately encrypted and no cardholder information is stored on the iPhone. You also have the option to send your customers receipts via text message or e-mail in addition to being able to track item sales and sync payment data with Intuit QuickBooks.²

What’s in the Box

mophie Marketplace, USB cable, operating instructions

Terms and Conditions

1. Rate of 1.7% charged on all Visa and MasterCard Qualified transactions electronically authorized with credit card reader. Manually keyed transactions with AVS charged 2.7% Key-Entered Rate. Business and foreign cards, or transactions not meeting the above are charged 3.7% Non-Qual Rate. Per-Authorization fees of $0.34 charged for Non-Qual transactions. Different rates for American Express, Discover, Diners Club and JCB may apply. Additional transaction fees may apply. Call (888) 556-4850 or see mophie.Intuit.com for current information.

2. Optional feature to sync date available in supported versions of QuickBooks Pro and Premier 2009 or later. Sold separately.

3. During regular business hours Monday-Friday 7 a.m. to 6 p.m. and Saturday 7 a.m. to 3 P.m. PST.

4. Subject to occasional downtime due to systems and service maintenance.

Complete Credit Card Solution for iPhone 3G/3GS

Here is a situation that is not uncommon these days :

An individual that has a couple of maxed out credit cards and a few collection accounts. The cumulative debt is not large enough to file bankruptcy. Bankruptcy should be the last option anyway. That basically is the story of his/her personal credit.

We all know that the collection accounts can be negotiated down if enough time has elapsed. Of course you still would have to come up with the money but it will be a lot less. In most cases you can also work out a payment plan.That leaves you with the maxed out credit on your credit report.

One good way to get positive credit history on your credit (that will result in increased credit score) is to get another credit card or loan. I think it is fair to say that in this economy it is tough to get much credit increase, even if you have decent credit. Years ago one could become an authorized user on someones credit card and add positive credit history, that would certainly help you in this situation. Only problem is that becoming an authorized user does not have the same effect on your credit like it used to. The other option is to borrow money from family or friends to pay off your debt. Mixing family with business is not always a good strategy.

There is another way. Public filings, especially in the form of UCC filings. Credit bureaus are connected to a public filing database that updates periodically (varies by state). They automatically receive all liens and bankruptcy information after it is filed at the county, state or federal level. You can actually file a certain document indicating that you have incurred a debt. Credit bureau will pick it up and as a result it will (one way or another) appear on your credit report. This is another way to add positive credit history. This results is your credit score increasing since a positive credit history appears on your report.

Please understand that this is a completely legal method and is very effective. Of course there is a certain amount of detail to it but at the end it is as simple as I make it sound.

Ever wonder how certain property managers and cars sales people mange to get liens on your credit. This is what they are really doing. A few of the more knowledgeable credit gurus file two or more of these public filings on their clients credit report to increase the credit score. Of course they charge enough money for it and never reveal what they are really doing.

The amazing thing is that even if you have filed bankruptcy you can use this method to quickly add lines on your credit report. Having two such lines on your report plus one secured cards (as an example) will quickly add positive credit history.

As a side note: Small amounts of credit is NOT that hard to get a little after filling bankruptcy. If you default on a debt, a collection agency can go after you for many years (depending on your state) . However, if you file bankruptcy most of the debt that falls under the bankruptcy can NOT be collected. Now, AFTER a bankruptcy you can not file for another bankruptcy for another 6 years or so. This gives lenders the satisfaction of knowing that if you default on their loan and you just filed bankruptcy they WILL be able to go after you for many years to come. As you might know that a judgment is likely to be filed against you and there is a chance that they will deduct your pay check or bank account. So getting some credit after filing bankruptcy is not that hard. Gentle readers there is always a come back.

Going back to public filings: In a nutshell this method that we are advocating eventually has the same effect (even if indirect) as getting a loan and gradually paying off the loan. We truly believe that this remains one of the best kept secrets of credit improvement.

Debt, good or bad (fortunately or unfortunately) is a VERY important part of modern everyday life. Either learn to use it or forever be a victim of it.

Public filings- UCC filings work both for personal and business credit.

Aimanzul

http://ucc-1credit.financial.officelive.com/EXTRA.aspx

Originally published here.