payment systems


Get Acquired By PayPal, And 4 Other Plans For A Perfect Day In San Francisco

If you only have 24 hours to spare in the Bay Area, you can’t experience it all, so make sure you experience the best. Here’s your guide to spending a perfect day in San Francisco.

1. Sample the cuisine in Chinatown, Japantown, Little Italy, Sudanville, Mini Laos, and Greenlandland: Pack your appetite, because you absolutely have to have a three-course meal at each of these culinary meccas.

2. Wait in line at The Line: If you see a line of people that wraps around the block, then you know you’ve made it to The Line, one of San Francisco’s hottest attractions. Locals and tourists alike flock to The Line, which can take anywhere between two and four hours to get through. Get there early, and you’ll have plenty of time to snap those iconic Line pictures you’ve seen circulating on social media!

3. Get acquired by PayPal: Unwind like the locals by selling a majority stake in your company to online payment system juggernaut PayPal. It may feel a bit indulgent, but vacations are times to indulge, and what better place to get acquired by PayPal than beautiful San Francisco?

4. Be outside: For the thrill-seeking adventure-lover, San Francisco offers the ultimate experience: being outside. It’s not for the faint of heart, but adrenaline junkies will enjoy strolling around the streets, looking up at the sky, and experiencing any of the city’s season-dependent weather.

5. Kill the mayor: Thinking of a trap to lure in the idiot mayor will keep the kids entertained for hours, and wrapping him in trash bags, finding enough rocks to weigh him down with, and throwing his body in the magnificent San Francisco Bay is a great bonding activity guaranteed to bring the whole family together at the end of your unforgettable day.
May’s speech shows how little Scotland means in her dangerous game of Brexit | Lesley Riddoch
The Brexit vote has changed everything, and independence is now a realistic option for many people who voted no to it just two years ago
By Lesley Riddoch

How did Theresa May’s Scottish Conservative party conference speech go down? Ah dear. It’s like shooting fish in a barrel.

“Government is not a platform from which to pursue constitutional obsessions,” said the Tory leader, even though she is presiding over the economic and social nightmare that is Brexit, brought on by her own party’s constitutional obsession with Europe.

Nicola Sturgeon should “get on with the day job”, said the prime minister currently presiding over an omnishambles in every aspect of domestic life. Of course, Scotland’s first minister has questions to answer about educational attainment and a fumbled farm payments system. But one benefit of watching network news these days is wall-to-wall coverage of the domestic difficulties of life in England under the Tories.

There’s a crisis in every aspect of civic society – prisons, hospitals, schools, you name it – and respected individuals are talking openly about crisis conditions within it. Yet May has the audacity to drift north and lecture Scots about the quality of governance? Conditions in many sectors are measurably worse south of the border, where the market runs key services such as health.

As for May’s claim that the Scottish government isn’t coming up with policies and is focused instead on criticising Brexit – what else would a Scottish government do when handed a mandate by its voters on a crucial subject such as Europe? Ignore the 62% of Scots who want to remain?

What has been roundly ignored to date has been the Scottish government’s options paper – still the greatest amount of ink on paper by any government relating to Brexit. It suggests ways to keep Scotland inside the single market, and was presented to the British government in December. To date there has been no official response: all there has been is backtracking.

After promising that powers returning from Europe would be devolved, it now looks as if control over agricultural and fishing subsidies will stay at Westminster when they return from Europe. Yet when SNP politicians seek clarification – as the SNP’s Westminster leader, Angus Robertson, did in prime minister’s questions this week – they are dismissed like stupid, unruly children.

“My way or the highway” is the standard British government response to pleas for opt-outs or flexibility. But behind the scenes, opt-outs aplenty are being considered for constituencies that matter to May – naturally Scotland is not among them.

Top of her priority list is the City of London whose powerful remain-voting bosses are thoroughly panicked by the prospect of banks leaving en masse once article 50 is triggered in March. UK government ministers insist the threat of banking departure is exaggerated, but there’s been much speculation in the financial press that Britain will offer to keep paying into EU coffers to retain “passporting” for the UK’s financial sector and persuade those “quivering” bosses to stay.

Likewise, the car manufacturer Nissan has apparently obtained some assurance from May, which means it can keep producing cars in the UK. If there is a Nissan opt-out from expected post-Brexit tariffs of 10% on car exports, will other car manufacturers stand quietly by? And if car manufacturers are given special treatment what about other industries?

The Spanish government says the only way citizens of Gibraltar can retain freedom of movement is joint sovereignty – so May is under pressure to devise an opt-out for the tiny enclave, where 96% voted to remain.

And of course there is the special and delicate problem of Ireland – both sides of the border voted to remain in the EU, mostly because membership removes the vexed problem of an internal border. If there is a bolder geographical fix offered to Northern Ireland, Scotland will be the only important player left out in the cold.

That’s why independence is becoming an option for many people who voted no two short years back – many on the back of a cast-iron assurance that the only way to stay in the EU was to stay in the UK.

Now it’s evident that precisely the opposite is the case. 

And while Europe isn’t necessarily the most powerful part of the constitutional debate, jobs, economic stability and trading prospects certainly are. There’s no doubt Brexit has created a massive material change to the case for Scotland staying in the union. It’s true there hasn’t been an equally large movement in the opinion polls yet – partly because folk fear more upheaval during a time of upheaval, and mostly because the Scottish government hasn’t actively begun campaigning for a second referendum yet. Of course, Sturgeon is rattling sabres, but for the last six months, she has been trying to find a solution within the union – to little avail.

The only people constantly talking about Scottish independence are the Tories – yet if interviewers ask if the UK government would grant a section 30 order (the mechanism to let the Scottish parliament run such a poll), Ruth Davidson and May suddenly turn coy and say they can’t discuss a request that hasn’t yet been made.


May and the Scottish Conservatives are currently waging a phony war over Scottish independence because their own party’s record is woeful. The Scottish government will trigger another referendum when May has fully demonstrated how little Scotland means in the dangerous game of Brexit. 

We may not be waiting long.

If you are currently looking towards getting student loans right now:

Please, please, PLEASE do not go through Navient/Sallie Mae for your student loans. I did because it’s what my mom recommended to me because it was easiest for her to get set up and approved for, and I as a naive 18-year old listened. I did some government loans, but since my parents were going through a divorce at the time and refused to cooperate in helping with my financial info/FAFSA/etc I just continued to do mostly Sallie Mae loans.

My 2 government loans are at 6.8% and 3.4% interest.

My 4 Sallie Mae loans all started at around 8% and have all risen between 9.5% and 10.5% interest.

The government’s student loans have been open in communication about how much I owe, how to plan to pay them off, how to defer payment if you need to or change payment amounts based on your income, etc etc.

Sallie Mae does not display any of this information clearly on their websites, or directs you to their hotline where you’ll sit on hold for a while and get transferred back and forth for a while while their reps are purposefully obtuse.

Their “automatic payment” system in place where you can put in your credit card # and auto pay your statement monthly only stays in place for a few months, where it will drop your card without notifying you then charge you overdue fees for ‘missing’ payments. (this happened to me while only paying off interest, though I’ve heard of this happening to others on their main balances.)

While paying over the phone once, the rep accidentally put the whole lump sum in 1 of my 4 loans instead of spreading it out like I told him to. They started harassing my family over the phone the very next day and I had to fight to have them drop the overdue charges from the account after I figured out what the problem was a few days later.

This turned out way longer than expected.. I know that financial stuff like this is scary when you’re first starting out but please just. learn from my mistakes and make sure that you check all other avenues like gov’t loans or fixed interest loans before signing your name away willy-nilly without worrying about interest like I did. 

UMAR IN: The Mystery of The Unknown Patron

HEY GANG, there’s something that’s been on my mind lately and i was wondering if you could help me out.

so in february of last year, i decided to sell some of my art for the first time, so i put my mtmte animated mural up on redbubble. looks like this

it went pretty much ignored. no big deal, most of my art does, and considering i didn’t intend on selling this in the first place i don’t *lose* any money from trying to sell it. but then i see this

and it turns out someone spent money on it. £1.24 to be precise. i don’t think much of this, and assume i wouldn’t be getting that money any time soon, what with how redbubble’s payment system works

but then flash forward to july, and i get a very interesting email in my inbox

i received my boundless riches, but what remains unsolved is if this lone buyer ever received their print

so if you have any idea of who this elusive patron might be, drop me a line! i’m very curious about the status of my first and only online sale

thanks for your time!


anonymous asked:

What cleanser do you use? I'm stuck on a netrogena benzoyl peroxide one I've been using since I was a teen because it's the only cleanser that hasn't broken me out and keeps my skin clear. I'm literally scared outta my mind to try a new cleanser even natural ones have broken me out.

try the indie lee brightening cleanser! it’s $32 USD on BeautyLish, which seems like a lot but has lasted me a few months and counting. I love it! It’s changed my life. It has fruit enzymes which gently exfoliates your skin (none of that harsh, abrasive stuff) and has strawberry oil which makes it smell good! only downside would be the glass bottle (which is thick) and not good for clumsy ppl like me lol. Otherwise, try Josh Rosebrook. His stuff is expensive but ideal for oily/acne prone skin. Same with the Indie Lee brand. If you struggle with money and stuff, Beautylish have a monthly (which goes for 3 months) payment system for purchases over $100.


Christmas advert for Vipps, a mobile payment system for Den Norske Bank. Based on a Norwegian Christmas favourite ‘Santa’s Workshop’.

Animation Studio: The Line

Director: Wesley Louis
Character Design - Wesley Louis
Compositor - Max Taylor
Animators - James Duveen, Alvise Zennaro, Carlos De Faria, Giulio De Toma, Tim McCourt
Inbetweening & Cleanup Amix FIlm Studio Ltd
Background Art - Mathias Zamecki
Storyboards - Xavier Saillo
Additional storyboards - Tim McCourt
Friends Electric production - Dom Thomson-Talbot
Music/sound design: Verdens Sterkeste Mann
Production company : Animasjonsdepartementet
Executive Producer - Jakob Thommessen
Agency: Pol
AD: Stian Johansen
Copy: Janne Brenda Lysø
Project manager: Ina Egelandsdal

anonymous asked:

Hi! I was wondering how the payment system is gonna be? Mainly because I know that some services, like PayPal, don't work well in all the countries :(

So far all that we are able to confirm for certain is that you’ll be able to pay through PayPal and Stripe. (We know at least, that accepts payments from Stripe) We will become more certain of other payment methods as we get closer to a commercial release in the future! 

PAUL RYAN: The deal to avoid a government shutdown will not include payments needed to avoid Obamacare collapse

(House Speaker Paul Ryan.Mark Wilson/Getty Images)

House Speaker Paul Ryan told reporters Wednesday that the spending bill that would avoid a government shutdown would not include payments critical to keeping the Affordable Care Act’s health-insurance markets viable.

Democrats had hoped to include cost-sharing reduction payments in the spending bill to ensure the stability of the individual insurance exchanges and therefore of the Affordable Care Act, the healthcare law better known as Obamacare.

“CSRs, we’re not doing that,” Ryan told reporters a press conference with House GOP leadership. “That is not in an appropriation bill — that’s something separate that the administration does.”

While Congress could fund the CSR payments via a new appropriation, the White House currently controls the CSR spending — though its authority to do so is under dispute in the court system.

CSR payments go to insurers to help defray the cost of offering plans to low-income Americans. Without the roughly $8 billion in annual payments, many health-policy experts have said, the marketplaces would see a flood of insurer exits and steeper price increases for Americans getting insurance through the marketplaces.

The payments are the subject of a lawsuit between the Republican-controlled House of Representatives and the Department of Health and Human Services that dates back to the Obama administration. The House argued the program was illegal since the funds were not appropriated by Congress. A judge ruled in Congress’ favor in 2016, but an appeal from the Obama administration is still pending.

President Donald Trump has discussed the possibility of dropping the payments if they are not appropriated by Congress, injecting massive uncertainty into the Obamacare exchanges and insurers’ plans for 2018.

Whether Democrats demand that CSR payments be included in any spending legislation could decide whether the bill passes and a government shutdown is avoided this week. Forty-two percent of people surveyed in a Politico/Morning Consult poll said the continuation CSR payments were important enough to prompt a government shutdown.

NOW WATCH: Watch a Trump surrogate get shut down after calling Trump the ‘Martin Luther King of healthcare’

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Why Crowdfunding Matters

Crowdfunding, a method of raising money by the contributions of many individuals, could potentially be the beacon of hope for many young creatives out there who want to kickstart their own businesses. However, crowdfunding’s growing influence doesn’t stop in the realm of business; instead it will pave way for a more innovative and ethical future. 

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These are the leading credit card processing companies

(BI Intelligence)
Credit card processors are mostly responsible for data transmission and security when you use your card at a store or online to make a purchase.

There are two types of processors in the payment-card system. Front-end processors route transactions from merchants to the cardholder’s bank to gain authorization; that is, they make sure a customer has enough available credit or funds to make a purchase. Back-end processors are responsible for a fund’s settlement, which ends with the merchant receiving a deposit for transactions. 

Below, we’ve outlined the major players in credit card processing and described their major strengths.

  • Bank of America Merchant ServicesBank of America Merchant Services has the advantage of functioning within the second-largest bank in the U.S. The service promises acceptance of all kinds of payments (credit cards, debit cards, electronic checks, and gift cards), access to funds on the next business day, and mobile support.
  • Citibank:  The consumer division of Citigroup processes transactions in more than 100 currencies. It offers end-to-end processing services, from pricing to transactions, reporting, customer service, and billing.
  • Wells Fargo: One of the “Big Four” U.S. banks, Wells Fargo offers next-business day funding, encryption and tokenization technology, and support for both PIN and signature transactions.
  • Chase Paymentech: The payment processing arm of JPMorgan Chase, the largest bank in the U.S., authorizes and processes payments in more than 130 currencies. And like its peers, it offers analytics, fraud detection, and security solutions.
  • Barclays: Barclaycard payment solutions facilitates in-person, phone, web, and even mail order payments through desktop and portable card machines.
  • Vantiv: Vantiv has been successful thanks to its nearly error-free purchases, authorizations, and captures. In May 2015, it successfully completed 95% of these transactions, ahead of competitors such as Worldpay, PayPal, and Braintree. The company also has a significant speed advantage, as it often processes payments data in less than a second.
  • First Data: First Data facilitates small business payments with its Clover suite of products, including a mini reader that works without Wi-Fi and a mobile reader that attaches to other devices in order to process payments on the go.
  • Cielo: Cielo is the largest Brazilian credit and debit card operator and the largest payment systems company in Latin America. The company debuted on the Sao Paulo Stock Exchange in 2010.
  • TSYS: Short for Total System Services, TSYS supports millions of buyers and sellers around the world through four major branches: issuing services, acquiring services, prepaid solutions, and merchant solutions.
  • Global Payments: Global Payments focuses on ensuring businesses accept all major forms of payments. To that end, its services include credit/debit/purchasing cards, electronic check conversion, money transfer, verification and recovery services, gift/loyalty cards, check guarantee, ACH checks, financial EDI services, and point-of-sale equipment.
  • Worldpay: The UK-based company is one of the longest-tenured online payment platforms. The company provides several payment services for both online and in-store channels. As of August 2016, the company had 400,000 merchant clients. In 2015, it processed 13 billion transactions valued at more than $526 billion. Worldpay has grown its volume primarily because of early-mover advantages that have allowed it to build scale. It also provides many different services across channels, which diversifies its revenue streams. 
  • Moneris: Moneris is the largest credit and debit card processor and acquirer in Canada. It processes more than three billion transactions each year for more than 350,000 merchants, and the company employs more than 1,900 people in North America.
  • Fiserv: American Banker and BAI ranked Fiserv third by revenue among technology providers to U.S. banks in October 2015. Fiserv provides services in account processing, electronic payments processing, check processing, web and mobile banking, and more.
  • Adyen: Adyen provides e-commerce companies with a payment platform that includes gateway, risk management, and front-end processing services. Adyen is a full-stack gateway and has famous merchants like Facebook and Spotify as clients. The company has brought in merchants thanks to its single platform that can support payments in any channel across 100 different payment methods and 200 countries. The firm processed $50 billion in 2015, up 100% from $25 billion in 2014. It earned $350 million in revenue in 2015, and expects to break $500 million in 2016. 
  • Heartland Payment Systems: Heartland helps businesses move beyond accept ng major credit cards. The company facilitates payment processing in-store, online, and offsite through multiple methods, such as EMV, Apple Pay, Samsung Pay, Android Pay, and gift cards. It also offers next-day funding, real-time reporting, and 24/7 customer service in the U.S.
  • Elavon: Formerly known as NOVA, this company is a subsidiary of U.S. Bancorp. Elavon processes payments in more than 30 countries for more than one million merchants.

More to Learn

These card processors handle so much volume and so many dollars every day, but they are still just one piece of the larger payments ecosystem, which includes issuers, merchants, and more.

That’s why BI Intelligence spent months putting together the greatest and most exhaustive guide on the world of payments entitled The Payments Ecosystem Report: Everything You Need to Know About The Next Era of Payment Processing.

To get your copy of this invaluable guide to the payments industry, choose one of these options:

  1. Subscribe to an ALL-ACCESS Membership with BI Intelligence and gain immediate access to this report AND over 100 other expertly researched deep-dive reports, subscriptions to all of our daily newsletters, and much more. >> START A MEMBERSHIP
  2. Purchase the report and download it immediately from our research store. >> BUY THE REPORT

The choice is yours. But however you decide to acquire this report, you’ve given yourself a powerful advantage in your understanding of the fast-moving world of the payments ecosystem.

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Commission is CLOSED

You can check out my art tag for more examples!

Please provide me with your character refs and a brief background information.

→  Things to notice that I will not draw: mecha, fetishes and backgrounds. (Simple plain colour backgrounds are okay)

→ There might an extra fee depend on the complexity of the character or complex props. 

→ There will be 4 slots open each time, it’s a first come first serve. Unless your name is listed in the waiting list.

I do however will draw nsfw, and if you are interested, shoot me an e-mail and I will provide you with some examples. 

If interested, shoot me an e-mail through

With Paypal being more strict with their payment system, l will be using the invoice method for transferring payments. If you have any questions, please feel free to ask and l will answer them the best l can. :)

Thank you!

Any signal boost would be greatly appreciated!

scribblechan-deactivated2016122  asked:

Ive never seen the website lulu before, is it trustworthy? I would like to know because Ive been wanting to ask my family if I could get your fan comic. Its really cool! ((im a little nervous about asking this question im sorry if I bother you my family is cautious when it comes to these things))

Yeah it’s a totally reasonable question! Going with lulu is an odd choice from what you’re probably used to seeing around here and I think others have similar questions so I’m happy to give more detail. 

too many words sooo [cut]

Keep reading

Hello all! Commissions are finally open again! :) I’m only going to take about 10 slots right now but will probably open more depending on how busy I am or not.

Some other important info: 
- A standard background will be given on all drawings. Anything different will cost more money depending on the amount of detail. 
- I WILL NOT DRAW illegal fetishes/kinks, or mecha
- Due to PayPal’s complicated rules about receiving finances, I will be requesting payment through their invoice system after the initial sketch is approved by the commissioner

DISCLAIMER: Due to being a full-time student at uni, I cannot give an exact estimate on when your commission will be complete. If there is a deadline for your piece please specify and I will get your piece done on time. 

Thank you all so much! <3