Chargebacks protect customers from losing their money to frauds or transactions that have not been authorized. However, they can be damaging to a business, as they take a lot of time. Plus, they are not easy to win. One needs to put effort to convince the bank to be refunded. Fortunately, there are some things one can do, which we will explain in this guide that can help them increase their chances of winning a chargeback dispute.
It is impossible to win something that you do not understand. So before we dive in into the tips, it is essential that we understand the concept of a chargeback. A chargeback scheme protects the customers by enabling them to file for a complaint against the merchant if the client does not recognize a transaction in his or her statement.
Once a customer makes a chargeback request, the bank will investigate and come into a conclusion. If you are a seller, and a client makes a complaint about you, you should arm yourself with enough evidence to prove that the transaction was legitimate otherwise the bank will take away the money from your account and give it back to the customer.
The credit card chargeback and all other cards chargebacks are difficult to win as a merchant since the burden of proof lies with you, the seller. Most card networks report that only 21% of sellers win these cases. Although merchants can seek professional help, some prefer to handle the disputes on their own. In this situation, several things can be done to increase the chances of success, they include:
It is quite impossible to win over a process that you don’t understand. Comprehending the chargeback process will help you take advantage of the loopholes and win the case.
But a chargeback process is a complicated one. It has strict deadlines, documentation requirement among others. Before you try to defend yourself, understand what you are going to face.
Chargebacks were created in favor of the client, so the only way you are going to have a winning chance is by having compelling evidence to prove the legitimacy of the transactions. Always ensure that you maintain accurate records since the beginning of the transaction.
Document each transaction. From confirmation of emails and invoices to follow-up emails. And after delivery, remember to ask for the customer’s signature. If you back yourself with these documents, there is a likelihood that you are going to win.
Each chargeback comes with a reason code indicating why the customer has filed a complaint against you. Knowing the reason will help you to prepare a defense mechanism for that filed chargeback. Because each card network has its set of reason codes, the indicated code may not provide accurate details of the exact reason for the complaint, but the dispute will be based on it.
Chargebacks are filed if the consumer has tried to negotiate with the merchant without success. Therefore as the seller, you can avoid these disputes by putting forward an effective customer service.
Indicate your contact details and make refund policies for the clients to see. Doing that, you will encourage customers to directly resolve their issues with you instead of going to the banks.
Merchants should do everything possible to prevent customers from filing chargeback claims. That includes improving customer service, ensuring that the goods reach the customer, and the condition of the product is the one you have described. You can also use fraud detection tools to prevent chargebacks from occurring. Chargebacks will cost your business a lot of money, and you will end up spending much time trying to prove your innocence instead of building your business. it is advisable that you always try to avoid them.
As a photographer, you need to keep abreast with the ever-changing technology in photography. At first, it may be a daunting task to keep yourself with the latest news in photography, however, with the right approach and desire to learn what is trending will make you achieve your dreams while at the same time meet your customer’s needs. Discussed below are some of the ways you can keep up the photography industry trends.
Customers are always right. In fact, in most instances, they know what they want. Never assume that you customers do not know what’s trending in your industry. Before a client comes to you they know what they want and most of the time they have seen this from a friend and they liked it.
Listen to your customer and they may just enlighten you about trends you were not aware about. Additionally, if you want to keep yourself updated with the photography news, always give a listening ear to your clients.
Scanning through your competitors work every once in a while will not hurt. You may actually find out about trends you did not know existed after all this are people you are in the same industry with.
There are magazines that specifically deal with photography and if you can access those you are in luck because new trends are most likely to be featured there as soon as they are invented. If you are not in a position to get every issue of photography magazines be a fan of general magazines.
Even though they are not related to your industry they have photos and you may pick up a trend or two.
Websites and bloggers are here to do the donkey work for you. Just pin point a few good and well informed bloggers and follow their blogs and they will update you like a diary. Learn to read photography websites they are definitely good for your business because keeping you in the know makes them money.
Social media is a place where everybody meets everybody. People use platforms such as Instagram to showcase their photos. Follow relevant people on social media and you will be able to pick a new trend every other time.
Having friends in the business is great. These should not be people you are competing with but people who can willingly share their work with you. Having a few friends in the business will keep you posted on the new things that might come up and you had no idea. This would be even better if your friend has been in the industry for a lot longer than you have since they may be able to predict the trends to expect.
Celebrities and photos are like a shoe and a sock; they go together most of the time. Sometimes new trends are even brought about for celebrities or by celebrities. Therefore if you keep an eye on a handful of them you will be able to spot a new trend on a regular basis.
To be successful in photography industry you need to be a jack of many trades. Your business needs a marketer, a designer and definitely a tech person who keeps up with the latest trends in the market.
There are numerous types of photography. For this reason, people focus on one or two categories of photography. Furthermore, even the categories of photography have more subcategories. The list below explains the seven most popular types of photography. They include:
Landscape photography entails capturing images that embody the outdoor spirit. Essentially, it captures the presence of nature and is usually free of artificial obstructions. In this respect, landscapes can include fields, hills, valleys, mountains, and sometimes large areas filled with human-made features.
It also includes land, sea, nature, and urban photography. Landscape photography is broad and has no hard-and-fast rules. Most importantly, it brings viewers into the scene, which gives them a glimpse into the photographer’s world.
Fashion photography has become rampant in the contemporary world. You can see thousands of pictures of people dressed-up or down showcasing footwear, accessories, apparel, and other branded products.
Being among the leading and most profitable photography styles, fashion photography focuses on beautiful locations, lighting, posing, and portraiture.
Also known as “artistic photography” or “photographic art”, fine art photography refers to a loose category of photographs created according to the photographer’s creative visualization. Unlike representational photography that accounts for unmodified reality, fine art photography roots in the photographer’s subjective or artistic vision.
This photography genre is inspired by a photographer’s aim to produce a more atmospheric, evocative, and personal impression after capturing the subject’s realistic rendition.
Architectural photography entails capturing pictures of accurate and visually pleasing representations of building and associated structures. Usually, architectural photographers are adept in the use of specialized cameras and techniques.
Architectural photography has undergone excessive transformations over the years. Nowadays, it entails more than just design. Typically, each work of architectural photography has an aspect of identity, meaning, and unique characteristics.
Wildlife photography involves capturing images of wildlife. This category of photography is valuable for its artistic and scientific value. Unlike the other types of photography that depend on posed and staged subjects, wildlife photography captures live images of wild animals in their natural habitats.
Fieldcraft skills are essential since some wild animals are rare and difficult to approach. Thus, awareness of the animal’s behavior becomes indispensable to be able to predict their actions. Since this kind of photography needs particular subjects, wild photographers have to travel extensively.
Macro photography entails the depiction of sharp close-up shots of tiny objects. This type of photography makes the subjects to appear to be much bigger than their actual sizes. As an exciting activity, macro photograph reaches into inner space and captures an image that could not otherwise be easily perceptible to a naked eye.
Wedding photography entails capturing images of the activities associated with weddings. Wedding photographers use various styles of photography to offer wedding coverage.
Fundamentally, a wedding photographer must be skilled in portrait, macro, action/sports, landscape, fine art, photojournalistic, and fashion photography.Although there are other types of photography, those as mentioned above are the top 7 most popular types of photography.
Setting a website is more like setting a physical store where you can display your goods in a way that looks more appealing to the clients and easy for you to update or restock. For your physical store, you need to have good fixtures, but for your website, you need to have a good content management system (CMS). WordPress is one of the best CMS out there; if you use the right way, you can quickly outrun your rivals.
But, using WordPress as your CMS is not enough; you need to ensure that your site is properly managed. If you don’t properly manage it, then problems will arise.
Here, we are using ‘properly’ because even a superficially managed site can break. Yes, your site may be running fine, but unless you are an expert, it can be quite different to tell what’s running behind the scene. It is for this specific reason; you need WordPress management services. Here are some benefits of having WordPress management service on your side.
As noted, it is very hard to know what’s happening behind the scene. Your WordPress site may be infected with malware, or part of it may be broken. Unless you are there all the time updating security, checking logs and informed of recent vulnerability threads, you better find WordPress services.
A specialized web management services will ensure that every entry point into the backend of your site where securities issue often occurs are properly managed and protected. So, you can rest assured that your WordPress site is in safe hand at all times.
WordPress works differently from other CMS’. Some themes are often designed to work with certain plugins and if not things can get out of control.
Plugins often get out of date or may be subject to attack; some even become ‘ghosts’ which means they are no longer supported by the developer and therefore cannot be updated.
All these aspects can have a significant impact on your WordPress site. Even a combination of certain themes can cause problems with your overalls design or the layout of your site. With wordpress managed services, all these issues are fixed which generally lead to better performance of your site. Better performance of your site means improved sales, effective customer targeting and so much on what’s coming to your site, when they come and how to improve the overall experience of your site.
If you want to improve the functionality of your site, WordPress management services may be your best bet. Many sites need to be customized from time to time, and you may not have the time to do so and leaving it into the hand of an amateur can completely ruin your site design.
A specialized management services team will consider the consequences of modifying your content, image optimization and how you can get the most of your site with a specific layout. Ultimately, this gives your site visitor a better experience.
If your server hard drives happen to crash, you may not know how to retrieve your data. However, with a WordPress management services, your site will be backed up on a daily basis which can prevent loss of important data or years of work on your site. If your hard drive crashes, a management service team will retrieve data in a matter of minutes.
These four are some of the key benefits that come with WordPress managed Plans, but there are a couple of others such as SEO services, server management, and many more.
Overall, having a WordPress Management services gives you peace of mind, better levels of efficiency and an assurance that an expert is working on your WordPress website.
Having a successful day take will take some planning. Life can be very busy and it is easy for us to get overwhelmed with daily events. This is why planning is so important. Without solid daily goals, productivity can easily be lost.
Today we are going to learn how to plan your day so that you can be more successful. We will learn some tips below that will help you get started.
Before your day gets started it is a good idea to check your personal calendar in the morning. You can do this while you are having your cup of coffee and it will only take a few minutes. By checking your calendar you will know what the day will bring. It will also remind you of important events and any meetings that you may have planned.
In order to stay focused on the things you need to be doing, write everything down. No matter how small the event or task is you should write it down so that you don’t forget about it. This will help you stay on track and focus on the important parts of the day.
While we are busy creatures and we get a lot of things accomplished, we often forget to eat. Breakfast is a very important meal of the day and it will give you the fuel to get things done. Eat a healthy breakfast each morning so that you will have the energy to accomplish all of your daily goals.
To help speed up your morning you could prepare your breakfast the night before and simply heat it up in the microwave.
If you have a busy family life chances are your entire family will need to be on the same page to be successful. At the end of each day call a small and short family meeting. During the meeting write down all the events each family member needs to attend and what tasks they will need to complete. By working together the family will stay on track and it will help you be more successful during your own day.
It is very easy to let your inbox pile up with emails. Having a ton of emails in your inbox just might make you forget something important. If your inbox is overflowing take some time to clean it out. Then when you get a new email you will see it right away. Also, you will need to properly store emails you want to save in another folder and flag any new junk mail that comes in. This will help you stay on task and you will be more organized.
These are just a few tips that can help you have a successful day. Remember to start your day by reading your calendar and have a healthy breakfast. By doing so you will be less stressed and know what the day will bring.
The profitability of both small and large businesses depends on how they integrate modern business approaches in their processes. Technology is currently helping business owners stay relevant and expand to more markets. Using technological solutions when running an enterprise enables you to achieve greater versatility and efficiency. Along these lines, here are the six ways technology benefits businesses.
With an online invoicing service, you can minimize the costs of collecting payments from clients. An online budget tracking system also helps you monitor and reduce unwanted expenditures. You can also file taxes online and sell your offerings online to create a new income stream. You can count on a feature-packed accounting program to streamline your company’s finances.
Email management, project management, digital filing and time tracking systems help increase productivity in enterprises. An email management system enables you to create email lists for your products while a digital filing system helps you find, share, save or sort documents easier. With a project management program, you can organize your operations. Time tracking software, on the other hand, is suitable for accounting for every time spent doing business.
Modern team messaging apps let you communicate clearly and quickly with team members. You can also use the cloud to share/store files and webinars to update your partners on your endeavours. With online business training, entrepreneurs can expand their knowledge and empower their teams. They can also rely on teleconference calls to communicate with the groups.
Technologies such as marketing software, social media and blogging platforms help you promote services, products or ventures online. You can also rely on video marketing to deliver more engaging campaigns to different audiences. Including an opt-in form on your website lets you collect email addresses and leverage on the power of email marketing.
Modern technology is eliminating the need to use papers when running businesses. Thanks to the technology, remote desktop apps and mobile offices allow entrepreneurs to work from anywhere productively. Entrepreneurs can also access electronic fax lines and virtual phone numbers to improve communication.
Businesses are currently adopting paperless technology to save money spent on office supplies. The tech reduces the production of papers and improves the access of files. You can also use telecommuting apps to sync your documents with the cloud for easy access when you’re out of town.
Social media is a great customer service tool for an entrepreneur. By setting up a ticket system or an online help desk, business managers can respond to customers’ issues. They can also get feedback through online questionnaires and surveys. Customers can schedule appointments with them online at their convenience.
Entrepreneurs should embrace modern technologies to have the edge over their competitors and serve clients diligently. Technology gives them a simplified approach to organizing their documents, selling their offerings and attracting new customers. They should always watch out for innovative opportunities that are relevant to their line of work. The growth and development of enterprises greatly rely on these opportunities.
As technology is advancing daily, it’s offering revolutionary ways of handling both personal and business tasks. Modern techniques feature exciting improvements that individuals, enterprises and corporations can use. They offer entirely new methodologies for addressing persistent and old problems.
The future of these technologies greatly relies on the current innovative activities and demands for services. According to the Forbes Technology Council, inventions such as blockchain, the Internet of Things (IoT) and generative adversarial networks are impacting modern life. The council also believes that artificial intelligence and machine learning mostly affects modern life. The following technologies are likely to be prevalent in the future.
Breakthroughs in AI continue to happen every day in sectors such as IT, healthcare, business and manufacturing. As AI advances, it is likely to change how we access and carry things. In the future, there are high chances of having AI technology that connects humans seamlessly. Though the technology can’t replace human intelligence, it’s likely to have a higher demand in the future than human intelligence.
The most recent processors to utilize the power of machine learning are Intel processors that feature Fast Field Programmable Gate Arrays. Processor manufacturers are currently testing chips with the ability to accelerate machine learning and real-time input/output (IO). These improvements aim at lowering costs, improving efficiency and driving better customer outcomes.
Generative adversarial networks are among the upcoming technologies to disrupt modern life. They may make it easier to pit two neural networks against each other to make one of them efficient at producing new things. The technology may also help in the production of realistic-looking photos. Though there’s nothing tangible out yet, the tech may be the next big thing.
Healthcare practitioners need new approaches to tackle the complex challenges in their field. Predictive analysis is likely to help healthcare providers use genomic data to predict people’s medical histories or diseases. Tech companies are currently dedicating resources to turn this tech into reality. They’re also partnering with healthcare providers to develop the next revolutionary public health solutions.
Through the Internet of Things (IoT), there’s a significant increase in the number of connected devices for the last decade. The next tech breakthrough is likely to involve the combination of technologies such as blockchain and AI with IoT. The mixture may first create transformational value in the manufacturing sector. As it advances, it may also improve decision making in the consumer market.
Thanks to blockchain tech, cryptocurrencies are rapidly revolutionizing current financial transactions. Blockchain analysts suggest that technology is likely to be part of the enterprise solutions of more businesses in the future. The tech will help more companies and individuals to exchange information without relying on a middleman.
With technologies such as blockchain, AI, machine learning and predictive analysis, the future of tech is quite bright. More people and companies will have a reason to stay productive as they use them. There are high chances that the poverty, illiteracy and unemployment levels may reduce thanks to the adoption of these inventions.