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"The USEFUL COUNCIL OF THE WEEK"
65 - 18-Oct-2.000 / Throw: 5.411 copies.
Publisher: Francisco Segura. http://www.internetmarketingtest.com
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TABLE OF CONTENTS:

1. - Note of the Publisher.
2. - Article: "The Virtual TPV and the Spanish banking institutions."
3. - Selection of products and services.
4. - You offer and demand of Work.
5. - Collaborations Mailing for this bulletin.
6. - Information of subscription and contact.
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Sales manual: It increases your visits (and SALES)
200 % in two months for less than 5.000 pts. (28$):

http://www.internetmarketingtest.com/comovender.php"

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1. - Note of the Publisher.

Hello friends, How are you?. A greeting from Alicante - Spain.

Last week we had an article of mine about the means 
of payment more recommended, to use in a web and they re-eat you -
it was giving the use of the virtual tpv to be able to charge in cards.
Today we have an article of Ann Moreno, of DigitalValley where
there is deepened the topic of the virtual tpv and his experience with 
the different banking institutions at the time of requesting one, this way
as the conditions that they have put to him.

The new affiliates program is already in tests phase, 
I hope that soon it should be in the air (in one or two weeks).

A greeting and up to the next week.

Francisco Segura.
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CALENDAR OF NEXT SEMINARS:
Next editions of the seminar "Like selling in Internet" 
dictated by me. In all of them the 7 first ones in registering 
 
they have the free sales manual.

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TENERIFE (Spain) - October 31 - 8 hours.
He organizes: Associate Cuni.
Square reservation:
Ann Maria Bravo [ana@cuni-asociados.es]
tfno: 922 251 613
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TIJUANA (Mexico) - On November 24 and 25 (16 hours)
He organizes: IQ Training
Square reservation: Carlos Alarcón [cit@telnor.net]
Tfno: (6) 682 32 52
More information:
http://www.ci-training.com/seminario1967.html 
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THE PEACE (Bolivia) On November 30, 2000 (8 hours) 
Open inscriptions
Price: 
Student 50 $US
Professionals 80 $US.
It includes: Material of Office, Certificate and Meal
Contacts: jotanet@unete.com
Telf.: 591 - 2 - 411816
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HOLY CROSS (Bolivia) - December 1 - 8 hours.
Open inscriptions
Price: 
Student 50 $US
Professionals 80 $US.
It includes: Material of Office, Certificate and Meal
Contacts: jotanet@unete.com
Telf.: 591 - 2 - 411816
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BARCELONA (Spain) - November 14 - 8 hours.
He organizes: internetmarketingtest.com
Square reservation:
http://www.internetmarketingtest.com/form-avisame.html
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MADRID (Spain) - November 16 - 8 hours.
He organizes: internetmarketingtest.com
Square reservation:
http://www.internetmarketingtest.com/form-avisame.html

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VALENCIA (Spain) - December 5 - 8 hours.
He organizes: internetmarketingtest.com
Square reservation:
http://www.internetmarketingtest.com/form-avisame.html
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-
ALICANTE (Spain) - December 12 - 8 hours.
He organizes: internetmarketingtest.com
Square reservation:
http://www.internetmarketingtest.com/form-avisame.html
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-

Contents and additional information about the seminar in:
http://www.internetmarketingtest.com/seminarios.php"


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Article: "The Virtual TPV and the Spanish banking institutions."

The payment footbridges are platforms that realize the function of 
prosecution of credit cards from Internet to the networks 
private roads of the systems VISA, 4B, Mastercard... the footbridges 
of payment or applications TPV (Terminal point of sale) they allow 
that the clients could realize a buy using a card 
of credit and validating the operation automatically and in line

It is an indispensable step for the entrepreneurs who want 
to promote his business in Internet, good is based on the sale 
of products or services. 
It is not adapted to trust in methods so obsolete as 
"against refund", for the possible frauds that it bears; 
to wait (if it is that transferences of our clients come) 
(if you receive 20 a day you can begin doing a small foul-up to yourself) … 
with the virtual TPV, with a mouse's simple click everything is carried out 
deal.

The traditional TPV opposite to the bank direct debitings.

The most modern banking institutions have a software much 
intuitive that settles in the computer of the client and that makes possible 
that could turn receipts to the bank accounts of ours 
clients, transmitting a direct debitings remittance to turn 
of Internet. 
Also the commission that applies the entity to you is very small. 
Where is the trick? As the client can return this receipt 
or not to attend to his payment, the entity covers the backs retaining you 
the money in the account. Some entities have retentions of 
up to 30 days, like the Caixa; others, as Banesto, only 10. 

With a traditional physical TPV that operates without presence of band, 
this is, that he does not need the physical presence of the card (indispensable 
for payments for Internet), we know the moment if the client presents 
a valid card or on the contrary if it has no balance. 
Also we have immediate liquidity in our bank account to 

following day of the deal. The commissions are higher, 
but admissible. Then: what is the problem? If you receive 20 
asked a day, you will have to mess 20 times about the numbers of the cards 
from credit to hand with his 20 dates of expiration. As 
our business grows this system stops being operative.

There appears the wonderful virtual TPV whose advantages are enormous in 
operation capacity terms for the company, but …: it is simple 
to obtain one?

Since the answer is NOT. After a real "peregrination" bank 
after bank, I extracted the following information that I want to share with you.

In the Caixa, entity at which I had pleasure in being employed and whose 
internal functioning is very good, only they grant the TPV to you 
virtual to operate with clients whose cards are domiciled 
in the Caixa. It looks like these gentlemen that they do not understand that Internet 
it is a global economy and that my clients of Portugal, Japan, 
Peru or Cyprus, logically they do not have an office of the Caixa to 
I run to be able to request a card domiciled in her.

In Banco Sabadell: I am retained by 10 % of the made invoicing 
with the virtual TPV for
a term of 6 months.

BCH: The director on the verge of being preretired says that the manager 
of
society has to sign that it guarantees with his exclusive goods
possible frauds, and he insists in convercerme of that in Internet the future 
it is to operate doing transferences...:? (I send you to the last bulletin 
edited by Francisco Segura, where he speaks about the payment means 
in Internet)

Banco Santander: It is not possible to operate with cards Amex, not 
they can do operations of more than 200.000 pts for card, more 
of 5 daily operations, to invoice more than 500.000 pts a day... 
Except, that the type of business needs it (for example I pay of 
rents), I marry that it would be studied apart.

Banesto: Quite perfect, no snag, but is a roll his installation, 
very complicated.

BBK: It is possible only to request in Bilbao...:? If someone of Bilbao 
he wants to take part …

Box Madrid: The virtual TPV can only adapt itself to platforms 
with operating system SOLARIS or Windows NT. This TPV does not have 
maintenance costs, not of installation, only it is applied 
4 % of discount on the sales.

Very well, that is quite, I hope that this information should save time to you. 
I want only to specify that this has been my personal experience and 
that on me does not depend that this information changes between divisions of 

the same bank. Any comment or suggestion I am at disposal 
yours in ana@digitalvalley.com

A greeting.
Ann Moreno
www.digitalvalley.com
Professional Web accommodation
902 32 21 32

+++++++
Other articles published previously are in
our section "Interesting Articles":
http://www.internetmarketingtest.com/arin.php". Consult them.

If you enjoy the "USEFUL COUNCIL OF THE WEEK" and
you find usefully, it is very important that you collaborate in his diffusion. It
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Click in "forwarding" or "forward" and send this copy to
some person (companion, friend, coworker, of
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"USEFUL COUNCIL OF THE WEEK".
If he wants he can subscribe and if not, no.
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3. - Selection of products and services:

Information and tariffs about publicity in this bulletin and in
the web in http://www.internetmarketingtest.com/publicidad.php"
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Do you need a web that it sells?
http://www.internetmarketingtest.com/design.html

Web design and plans of promotion.
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ATTENTIVE, MANAGING AND ENTERPRISING!
The free subscription is already opened in
http://www.directivos.net
Do to spend this opportunity, it enters in
http://www.directivos.net
If you are in this list, you are interested in insurance
http://www.directivos.net
It receives formation and practical information
http://www.directivos.net
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"E-marketing News in Spanish"
Publication with the best (and worse)
ways of carrying on business in Internet
SUBSCRIPTIONS: mailto:subscripcion@edrom.com?SUBJECT=ecu
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4. - You offer and demand of Work:

I remind to you that you can send your offers and demands of
I use related to Internet marketing, electronic commerce etc.
Send please announcements that have to do with this topic.
mailto:empleo@internetmarketingtest.com
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5. - Collaborations Mailing for this bulletin.

You can make come your articles and analysis of topic
of electronic commerce, marketing online etc. for his
publication in this one
bulletin to mailto:francisco (25 pound) effective marketing (point) com

We save ourselves the right not to publish articles
that contain information that commits an outrage against persons,
institutions, organisms, etc., and than to our personnel
criterion should not be published.
Also, we save ourselves the right to edit or to request to
author who edits the article to be published.
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6. - Information of subscription and contact.

To subscribe: He sends an email in target to
mailto:marketing-eficaz-subscribe@ecircle.es
or in the web:
www.ecircle.es / forum / marketing-eficaz
You will remain signed and will receive in a few seconds the article:
" 7 ways of developing the sales in your web ".

To resign: to resign to send an email to:
mailto:marketing-eficaz-unsubscribe@ecircle.es
or in the web:
www.ecircle.es / forum / marketing-eficaz

If this bulletin has come to him for accident or you already
it erased previously excuse the inconveniences and send again one
email to the previous direction to stay definitely
erasure.

Publisher and comments about this bulletin:
mailto:fs@internetmarketingtest.com

Prohibited the partial or entire reproduction without
assent previous in writing to the Publisher.
All the opinions and ideas reflected in this bulletin
of news they belong to his respective authors.
The Publisher does not take responsibility of the damages caused for
the use of the information contained in the same one.

All rights reserved.
(c) Francisco Segura Ramón http://www.internetmarketingtest.com
2.000

##################################################





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"Francisco Segura:
It receives you and your collaborators a cordial greeting and my congratulations from El Salvador, I center America, for fulfilling 5 years with your bulletin "The Useful council of the week", which has been helpful for persons that as I we begin to sail in the world of the Internet. I hope to keep on being provided in a lot of time with your advices. Congratulations.
Margarita González
http://www.penaflor.com.sv/

Bienesraices (Peñaflor S.A. of C.V)"


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