Monday, October 12, 2009

Payment Tunnels!

When it comes to online payments and the use of credit cards generally online or simply put on the Internet, what bothers me most is security and acceptability of my cards. Merchants all over the world have preferences when it comes to countries and banks that issue credit cards. In other words, they are selective.

Nigerian banks have had to battle this issue over the years and still do. Credit cards issued by banks in Nigeria are often time refused by merchants due to reasons bothering on trust and security. I have had many of my requests turned down on so many occasions because of my location and the credibility of the bank that issues it. I use the GT BANK MasterCard for instance and each time I tried in the past to fund my accounts on a book maker page or even make a payment with my card, I always get turned down!

What then is the way out? Should I continue to miss the great opportunities there are online simply because some merchants some where doesn’t like my card or feels unsecured about the genuiness of my claim to be the rightful owner of the card? No, there must be a way out of it. I got to make money and legitimately too and I can’t die trying to pay when I know that my intentions are genuine. In my desire to find a way out, I stumbled at a site called click2pay! Yes, click2pay. They help you shield your card and in the process provide two services that in the end bring peace and satisfaction to the card issuer and the card owner.

Click2pay acts as a go between. When you get to their site, you register, they give you a call to confirm your telephone number and after this is done, you are granted access to use their site to make payment with your credit card. In summary, your card is not seen by the merchant and no security risk is taking.

The other thing they help you do is shield the name and location of the issuing bank and that ends the issue of discrimination and rejection you have been facing all the while.

Apart from click2pay, you also have clickandbuy and the one Nigerians are very familiar with, Graphcard among others. I mean, online payments haven’t been this easy over the years.

Comments and suggestions are welcomed!

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