In conducting business transactions on the internet, there are some payment media that you need to use when you are selling products online or selling services online. I will for the selection of media payments to your internet business into two for Indonesia market and to overseas markets. Payment media can be used for both market is different because it deals with financial transactions that can be done and the habits of people in making the payment.
=> Choosing Media Payments for Business Internet that target the market in Indonesia
Primary payment media that you should use is bank transfer. You can trade sell your products and services by using a bank transfer payment media (ATM), internet banking, mobile banking or cash deposit buyers to your bank account. And the advice I have 2 bank accounts that need to be prepared that is a bank account and another BCA Mandiri bank account.
BCA Bank Account
BCA is a large bank in Indonesia which has a network of ATMs at most and the most widely used by people. So when you sell your products or services on the Internet, then you need to have a bank account payee BCA as a tool of your transaction.
Bank Account
The next one is Bank Mandiri. Bank Mandiri is a state-owned bank that has a great asset and now always grow to compete with the BCA in terms of number of branches is also an ATM. You need to have a bank account because of Mandiri Bank Mandiri is incorporated in the ATM Bersama network.
In payments from prospective buyers, there are some that may spread in areas or cities in Indonesia, which may not have the BCA bank account, but have accounts at other banks such as Bank BNI, Bank Permata and others. And for buyers who do not have a bank account this BCA, he could make transfer payments to the account of Bank Mandiri as it includes shared ATM network, while the BCA does not include this shared ATM network.
By having both BCA and Mandiri this account, then you can walk a payment transaction. And you should have 2 accounts because not to difficulties in payments to buy your product is the bottleneck and finally make the transaction were not so, it may be difficult due to the transfer because it does not meet the BCA ATM or a remote location or the buyer does not have a bank account BCA, but he had an account other banks and he can not transfer from other bank ATMs to the BCA bank account and can not be canceled because of the transfer and the desire to buy it is gone.
Another addition is a PayPal Alternative
Paypal is an online payment media from abroad. And for the market in Indonesia, you can add paypal as a means to receive an additional online payment. Because if people already have a paypal account and no funds in Paypal he can use paypal to pay into your Paypal account. >> You can open a Paypal account at the following link and guidance in this book you buy at the bookstore or call into publishernya.
The point of choosing the payment media is to facilitate the buyer to pay you, can a bank transfer, internet banking, mobile banking, cash deposited into your bank account or use your paypal account if you want another paypal account transfer.
=> Choosing Media for Business Internet Payments that target market to Foreign Affairs
And for businesses that target the Internet to sell products or services online overseas, there are some media that you can use payments to overseas buyers can purchase products and pay you.
Paypal
The first is the media you are using PayPal. Paypal is owned by ebay, auction sites in the world's number one. Any person who is directed to transact on ebay using paypal by ebay. And paypal also has become a tool widely used online transaction.
The principle is that you open a paypal Paypal account by entering your credit card data so that you become a verified Paypal account and can withdraw money to bank accounts in Indonesia. Every transaction is a transaction that occurs between PayPal accounts as transfers only. And this paypal using the email address listed as your paypal account name. So every transaction man enough to know the name of your paypal account email address and he can send money to your paypal account.
Example you are a seller of product A, using paypal as a payment media on your website. So everyone who wants to buy, he can click the paypal button on your website order and he could transfer from his paypal account to your paypal account. And if after you receive the money, then the product can be shipped.
Any money received will go into your PayPal account. And if you want to swatch, can go to your bank account registered to your PayPal account within 5 working days. So the media online with paypal payment is very simple and practical.
>> You can open a Paypal account at the following link and guidance in this book you buy at the bookstore or call into publishernya.
Merchant Credit Card processors
Media second payment is by credit card. If you sell products online overseas, and wish to have a website you can process credit card transactions then you need to use specialized third party merchant transaction processing of this credit card.
Merchant that you can use is
- To sell a physical product with 2CO
- To sell digital products with clickbank
So you can use the merchant to the payee as a medium for transactions from credit cards. Credit cards are the best means of payment can be used anywhere. If you have credit cards from Indonesia then you can use it to buy products from abroad. And the merchant can process credit card transactions is not just any website, but a special website for it. One is 2CO for physical products to digital products and Clickbank.
Physical product is a product that has the physical shape and should be sent to the address of the buyer. While the digital product is a product in the form of computer files via the internet media delivery process is to download directly online. Examples of digital products are ebooks, videos, audio, image, photo, software, wallpaper and so on.
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