he primary downside for online sellers and website house owners accepting and processing micro funds is the very excessive charges charged by payment processors and bank card corporations, which may usually eat into a good portion of the payment income stream.
Earlier than we look at the varied choices and options in coping with this pervasive downside, we must always first outline what constitutes a micro payment.
A micro payment is a payment for an merchandise or service that’s of low worth. For instance, website funds for ring tones, pay-per-views, downloads, e-books, and subscriptions within the $1 – $3 vary can be thought of as micro funds. A 25 cent payment for a obtain or a 5 cent payment for a SMS are superb examples of lesser worth micro funds 소액결제정책.
There are two fundamental strategies that an online vendor may make use of to simply accept a micro payment. The primary technique is to make use of a bank card, however the service provider charges can be fairly excessive to simply accept numerous funds for $1 and $2 micro funds, and this isn’t often a value environment friendly possibility.
Some online enterprise house owners whose web sites promote micro payment valued good and services will ask clients for his or her bank card particulars, and can course of charges and invoices to their clients’ playing cards when account balances attain specified payment threshold quantities.
One other variation of this technique is to cost the client’s bank card a minimal cost quantity of (say $10), and a credit score on this quantity is then posted to the person’s account, which depletes as nominal worth items and services are bought from the seller.
The issue with this technique is that clients don’t love offering their bank card particulars to strangers, they usually don’t love the concept of creating a down payment buy dedication for items or services which the client may finally determine to not buy.
The opposite possibility is to course of payment for every micro transaction because it happens utilizing an online payment system, and there