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Your HOME may be at risk if you do not keep up repayments on any loans or credit.

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Therefore any views expressed are independent of any sites listed.  This site expresses opinions are that may be incorrect.

Check the Charge Back fees for any shopping cart technology. Check for the following safeguards

SSL, Secure Socket Layers.

Address Verification System (AVS): this verifies that the billing address matches the address on file for that card. Although AVS provides some level of protection, our experience tells us that you will see a number of "false-positive" readings. You need to employ other fraud tools.

Card Verification Codes (CVV2): you'll find the CVV2 number on the back of the credit card (the last three digits, after the account number). CVV2 is not on the magnetic stripe and is not to be stored online. By requiring customers to provide the CVV2 number, you have fairly high assurance that the buyer is holding the physical card.

Encrypted Website Payments should use public and private keys:-

Public and private keys are a standard way to sign and encrypt messages between parties. The public key is distributed to other users and is used as the basis for encrypting a message, while the private key is kept private and is necessary for the recipient to decrypt the encrypted message.

Only the holder of the private key can decrypt the message. Even the person who did the encrypting cannot decrypt the message he has just encrypted if he does not hold the private key.

If you want to send an encrypted message, you will use encryption software to scramble the message based on the recipient's public key. When the message is received, the recipient will use encryption software and their private key to decrypt it. Because only the recipient holds the private key of his public/private key pair, he will be the only one able to decrypt the encrypted message that you sent.

Fair Credit Reporting Act (FCRA), according to Information Week . The class action lawsuit was filed on Thursday. It cites the FCRA which states: "No person that accepts credit cards or debit cards for the transaction of business shall print more than the last five digits of the card.

Bank Fraud Detection

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The more complain the more will be done; write to Your MP about the high merchant bank charges, Spam, fraud for example. (United Kingdom) (http://www.locata.co.uk/commons/).

View Crime issues, UK Government Crime reduction sites

http://www.direct.gov.uk/CrimeJusticeAndTheLaw/fs/en and http://www.crimereduction.gov.uk/

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Moneybookers Online Payment System Moneybookers enables any business or consumer with an email address to securely and cost-effectively send and receive payments online – in real-time!

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Department of Trade and Industry (United Kingdom) Electronic Payment Information. ( A must read)

Mal's E-commerce FREE Shopping Cart Service. Add simple Buy Now buttons to your product pages and your customers can fill out an order while they browse your website. Configure the cart to collect card data and save it for processing later or link directly to a number of big name payment processors.

Google Checkout. Find it with Google.  Buy it with Google Checkout. By agreeing to this Terms of Service for Buyers, you represent that you are: 18 years old or older; capable of entering into a legally binding agreement; and a resident of the United States.

MobillCash is a mobile payment system that allows over 500 million mobile phone users in 15 countries to simply enter their mobile phone number in the MobillCash billing form and purchase your products or services. The customer will be billed by the mobile phone carrier. No Credit Card, Bank Account or ID required.

Guide To Merchant Accounts & Merchant Services

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