Many thanks to u/kvramji and u/inertia_2017 whose original Acorns (and subsequently Raiz) guide this is built on top of (with a few FAQs from Raiz themselves). This post was last updated on October 23, 2020, and I'll endeavour to update it periodically. What is Raiz? Raiz is a financial service, helping you to save and invest your money. They enable Australians to start early, invest often, and reach their financial goals. How does Raiz work? Raiz helps you proactively invest. One key feature is round-ups; we round up each of your transactions to the nearest dollar, and invest the change into a diversified portfolio. Simply connect a debit card, or other funding source, then provide us with some basic information. We give you the option of choosing a portfolio that is in line with your investment goals and the amount of risk you’re comfortable taking. Note that Raiz offers other great ways of investing besides round-ups, for more info please see this article. What are the fees? Once an account is opened, there are no fees on $0 balances and after that there is a monthly fee as follows:
An rough idea of monthly fees on a range of balances can be seen below:
Average Monthly Balance
All portfolios (exc. Sapphire)
Any other fees, including any future changes can be found here. Raiz Beginners Guide What’s Dollar Cost Averaging (DCA)? Dollar Cost Averaging is basically spreading your investments in such a way that you can take advantage of the ever fluctuating daily price of stocks. The best example of this concept is given in a simple example here. What do you mean by Portfolio? Raiz uses the money which is put into the app by making you pick a type of profile which is differentiated from one another by the risk involved, as well as a few other characteristics (socially responsible, or an exposure to Bitcoin). The risk factor varies, depending on the portfolio. A breakdown based on portfolio can be found in the table below, including the minimum suggested investment timeframe (MSIT):
Risk Level (Raiz Defined)
Low to Moderate
Moderate to High
3 to 5 years
5 to 7 years
Moderate to High
3 to 5 years
NOTE: Once you decide which portfolio to go by, try to not change between portfolios if you see a loss in the value of the account initially. Stick by it and don’t keep changing portfolio, because you might lose more while changing portfolio because it involves selling and buying stocks at different rates. What portfolio should I pick? Common question. It all depends on the amount of risk you are willing to take. There are also portfolios available if you'd prefer a socially responsible portfolio, or an exposure to Bitcoin. The longer you intend to hold your money in your account, the higher risk you might be willing to take. NOTE: Do NOT panic when you see a down day with a loss against your portfolio. The BEST thing you can think of is DCA. If you have set up recurring investments, you are going to see gains as soon as the stocks go up in price. Which portfolio performs the best? Common question. Raiz releases an annual report that provides a summary of portfolio performance, typically in August. Portfolio performance for the past two years, for all portfolios (excluding Sapphire) can be found here. Something to note: past performance is not a reliable indicator of future performance. Just because a portfolio has done well over the years, it is no guarantee that will continue to be the case, and things such as pandemics, market crashes and the like do happen. Pick a portfolio that suits your needs. What is Raiz Rewards? This is a feature in Raiz which gives you some percentage of the money spent for purchasing with vendors they have tie ups with. The method that you use varies slightly for online and in store purchases. Online Vendors To ensure you can get the rewards, go to your PC to the online retail store and add items to the cart. Make sure you go via the Raiz website (or App) to the vendor either on the PC or mobile. Finalize the payments via the link that Raiz takes you by and finish the purchase. In Store Vendors To ensure you can get the rewards, go to your App, click Rewards -> In-Store. Click the vendor option, and select 'Activate Now'. Then, go shopping in store with that reward partner. Make sure you use a card that is linked to your Raiz account. Payment of Rewards This percentage that is listed in Raiz Rewards can take up to 90 days (typically 30 days for online, 90 days for in store purchases/Raiz Energy) to show up under the Raiz Rewards column in the "History" window in the mobile app. The percentage varies with each vendor. What about dividends? Dividends get paid periodically on the ETF holdings that you have, proportional to the amount of each ETF you own on as of the ex-dividend date. These dividends are invested into your Raiz account, approximately one business day after payment date. Raiz run an annual blog post outlining the dates that dividends are expected to be paid (they vary slightly). That can be found here. What about taxes? Raiz will provide you with tax information at the end of financial year which tells you how to report any earnings from your Raiz account. It comes in the form of a Tax Statement, and is typically available in the third week of July. This can be found in app by going to My Settings -> Support -> View Statements How long do transactions stay in pending? Raiz typically takes up to five business days for taking the money from your account and buying shares and for it to show up as processed. So don’t panic if it takes a few days. It’s a common thing. Well I've read through this and I've got another issue - where can I go for help? The Raiz Support crew are available to help you out with your Raiz issues. I've had personal experiences in the past where I've needed a hand, and they've been really great. You can find more info on how to contact them on the Raiz Support webpage. Or hit them up on Twitter, Facebook, etc.
Want to order Marijuana but get confused about which is the best way to order Marijuana. Then worry no more we are here to help you with how to order Marijuana! Here we put a small guide regarding how to order Marijuana with Ganja wholesale, so let's see; Before getting into the steps learn some important conditions we have. Important Declaration:
You must be 21 or 21+
You must have a shipping/delivery address
Payment Options: You can also make payment via Cash App / Gift Cards / Western Union So let's get into the steps now Step 1 Go to the shop and select the products that you want and how much you'd like and add to the cart. Normally like any other shopping platform you can visit the products section and select the product then add to the cart. Step 2 Once you're ready, review your cart and head to the Checkout Step 3 Tell us the receiver's name and where you want it shipped/delivered to and click "PROCEED TO COINBASE" to complete your order, or select others pay options you see below on the image. Step 4 Select the payment option and locate the BitCoin ATM machine near you or online. Step 5 When you select "step 4", you will see the below images both “Bitcoin Address” and "Scan Code" plus the total amount for your order given to you. Enter the BitCoin Address or show the BitCoin ATM machine to scan your order code for you and you are done making payment and click "COMPLETE ORDER" IMPORTANT MESSAGE: You only have 30 to 60 minutes to pay the Bitcoin invoice for your order before it expires – if it does expire you will need to either make a new order or get in touch with us so we handle the payment directly. So this is the entire process of how to order Marijuana with Ganja wholesale. Hope this article will help you. Share your views with us!
Fastest and easiest way without a minimum purchase or high fees for customers to obtain NANO? (USA)
Hello Nano community, Some of you may know me from /nanotrade or elsewhere, I generally am bullish on NANO and try to do my part to help spread adoption and awareness. I also run several e-commerce websites utilizing the open source Zen-Cart as my back end. Lately, and not so lately but in general, I have encountered issues with various payment processors (which actually led me to Nano in the first place, as well as a general interest in Cryptocurrency). While there are solutions to dealing with the more stringent regulations enforced by payment processing companies, many of these require my customers to download third party apps or sign up for third party services. Not too dissimilar to how Paypal requests a user to be logged in before sending a payment in fact. Anyways, so while setting up my websites again today after losing another payment processor over the weekend, I have come to the decision, why not try and introduce my customer base to Nano and present it less so as a cryptocurrency, but more so as a digital decentralized payment solution? I have tried accepting cryptocurrencies before, however many of my customers, at least for my main e-commerce website are older and not so tech oriented. Just seeing that I accepted "Cryptocurrency" and "Bitcoin" as an option was enough to scare some of these people away. Ironically, I noticed more sales when I completely removed this payment option and all mentions of it from my website. Funny how that works. Anyways, since I am in the middle of setting up additional payment methods, I figured now would be a good time to attempt the above with Nano, and offer a link on the "Pay with Nano" page during the check-out process for my customers to decide if they would like to try it out. My only concern, many of these people being older and technophobic, is that the process for obtaining the Nano they want to spend may be too much work and not something they would be interested in. Especially if it involves things like scanning IDs or providing more information than a simple credit or debit card number and a name. Ideally, this would be the only information they need to provide, with the ability to purchase any amount (most orders placed are between $25-$100), without paying an outrageous fee (which I will offer an incentive to cover for anyways I think). An instant transfer would also be a prerequisite. Something as fast as it takes to sign up for Cash App for example. So, am I asking too much? Do such services exist yet in the US? Quick rundown: -Low fees -No minimum or low minimum -Non-invasive signup process -No wait Another thing worth mentioning, and hopefully this can provide the right people with an idea which I think could really help improve Nano adoption if implemented, was that I noticed some competitors of mine are accepting something called "PMC Coin", which is claimed to be a gold backed cryptocurrency. The gold bit is not important I do not think. What is impressive however, is that these vendors are able to provide this crypto as an option during the checkout process, and upon hitting submit, the customer is brought to the PMC Coin website, where they are presented with a form for purchasing this crypto. I have not tried going further than this, but the form contains all the required fields for a credit and debit purchase, as well as the price for the purchase being exactly what the price was for the requested items during the check-out on the forwarding website. It appears that upon purchase, the credit/debit card payment is sent to the PMC Coin sellers, and the PMC Coin in an equivalent amount is sent to the vendor. I assume the fees are offloaded onto the vendor at this point. While I have no interest in this asset in the slightest, I have to commend them on this solution, and I really hope we can see something like this emerge from the Nano community. It could be the killer app we have all been waiting for to spur adoption perhaps. I will essentially be manually doing something like this for my customers, albeit with links and instructions, however as mentioned, the more streamlined the process is, the better. I am sure they will have an easy enough time with Natrium, and I am excited to introduce some new people into the space. But most of all I just want a simple ability to be able to keep my shop online without having to bow down to the banks and their petty requests as to what products should or should not be sold. None of us should have to deal with the Soup Nazi, be us merchants or consumers. Thank you for your time and interest, and remember, stay bullish! ::edit:: Spreads I have found so-far: CoinGate: 100 Nano = $114.76 vs. $97.44 USDT (Binance) [$17.32 fee] [$50 minimum] (Simplex) Atomic Wallet: 100 Nano = $115 vs. $98.40 USDT (Binance) [$16.60 fee] [$50 minimum] (Simplex) Crypto.com: Claims 3.5% fee, requires government photo ID, 2-3 day confirmation Coinswitch.io: 100 Nano = $117 vs. $99.28 USDT (Binance) [$17.72 fee] [$63 minimum] (Simplex) Coinify.com: 100 Nano = $119 vs. $114 USDT (Binance) [$5 fee] [$63 minimum] KYC is intensive but not too crazy. 2 Minute verification too. Definitely the best option so far. Only problem is the minimum purchase. Going to try Binance.us next and the Brave browser, which I think uses Binance as a backend anyways.
04-05 16:04 - 'Forsage // Earn ETH Daily!' (self.Bitcoin) by /u/4ndym4c removed from /r/Bitcoin within 5-15min
''' 🔥🔥🔥 maximize your income in Ethereum with Forsage leveraging first ever decentralized matrixes built on ETH smart contract. This is Forsage Link To Get Started: [link]1 Small Starting Capital - You Can Get Started With As Little As 0.05ETH or $6! 100% Of The Income Comes To Members! The Project Doesn't Take or Keep Any People's Money! The Project Is Completely Decentralised! Based On Ethereum Smart Contract - No Admin Needed! Great Income Potential! Completely Transparent - All The Income Of All The People In The Project Is Verifiable On Blockchain! ➡️ To get started you need to Download the Trust Crypto Wallet App on your mobile phone OR install Metamask On Google Chrome. Sign up here ➡️ [link]1 Forsage can generate you unlimited amount of income in ETH with Forsage X3 and Forsage X4 matrixes. It's ETH money making machine on steroids. Everything is based on Smart Contract, no admin required. 100% of the funds go to the members, project creators never take or touch the members funds. You can check everyone how much income they are making transparently on the blockchain! Everyone can earn here, you can get started with as little as 0.05ETH. It's recommended to get at least 3-6 slots in both of the Matrixes upon getting started, to do so after you register with 0.05 ETH, you upgrade to slots 2-6 in Forsage X3 and Forsage X4. To get started you need to download the Trust Crypto Wallet on your mobile phone OR install Metamask On Google Chrome, create wallet – set up a password and write down on a piece of paper 12 words mnemonic password and keep it in a safe place, and transfer ETH to your ETH wallet. To unlock 3 slots in both matrixes you need about 0.37ETH (0.35ETH plus gas fees). To unlock 4 earning slots in both matrixes you need 0.77ETH, to unlock 5 earning slots you need 1.55ETH. to unlock 6 earning slots in both matrixes you need 3.15 ETH. If you don’t have ETH you can buy it with credit card on Binance.com best rates and withdraw from there to your Trust Wallet or Metamask wallet. After you fund your ETH wallet, click on the link that was given to you by your referral partner. Then Click on the Green Button “Automatic Login/Registration”, click Confirm on the next page (make sure you have the correct login ID of your upline) and then approve the 0.05 ETH to interact with the smart contract. You will see a pop up window if you are using Metamask, or if you are using Trust Wallet then in Dapps section in URL enter the link and click on “Registration” -> “Confirm” and Approve. After that you will be inside Forsage and if not you can click on [link]1 and Login. Then you click on the next slot by clicking on the pink “Shopping Cart” illustration, click on “confirm purchase” and approve, and activate the next slots in the Forsage X3 and Forsage X4 matrixes. For instructions on how to set up your account with Metamask watch this video [link]4 and for instructions on how to register with Trust Wallet watch this video - [link]4 Sign up here ➡️ [link]1 📣 Join Channel: @ForsageEthSmartContract 📣 Join Chat: @ForsageEthSmartContractTeam 💭For questions contact: @dxwif ''' Forsage // Earn ETH Daily! Go1dfish undelete link unreddit undelete link Author: 4ndym4c 1: fo*s**e.io/i/r**fsc/ 2: f*r*ag*.**/i/r2gfsc/ 3: fo*sage.*o*i/r2*fs*/ 4: vimeo.*om*400***817 5: vi*eo.com*4*0*9081* 6: **rsage.*o/i/r**fsc/ Unknown links are censored to prevent spreading illicit content.
This is one of the oldest, most well known GPT (Get-Paid-To) sites. They have plenty to offer, so you shouldn't get too bored. You can earn bonus points for meeting your daily goals, and you can earn up to 300 points ($3) for meeting your goal each day. They have one of the largest selections of rewards available, so you should easily find something you like. — Payment Proof. / Is it available in my country? *The site is International, but most earning opportunities are for US, UK, CA and AU.
↪ Get a 300SB ($3) bonus if you sign up through this link and earn 300SB in your first 30 days. Points are awarded the next day after reaching 300SB. ↪ Use signup code REDDIT for a free 70SB bonus for new users. Click “I have a sign up code (optional)” which is underneath the “Confirm Password” Box. ↪ Age minimum: 13 ↪ Offers: Mobile and Desktop Videos, Surveys, Polls, Offer Walls, Tasks, Special offers, Coupons, Games, Search bar, Limited Time Codes, Download offers, Cash Back from Shopping, Swago (like Bingo) and more. ↪ Payout: [Minimum: $3] Amazon, PayPal, Prepaid VISA, Wal-Mart, PSN, Xbox, Sweepstakes, Charity and many more. TIPS: • Earn up to 300 SB ($3) for meeting your goals for 7, 14, 21 and 30 days in a row. • Once a month you can redeem a $25 gift card for 12% off. • Make up to 10 Swagbucks easily each day by playing games in the Play category. • Click And Earn List to Earn 38 Points Daily Here • Check out /swagbucks and the discord after signing up for up to date info about the best paying offers.
GAIN [US, GB, IE, SE, DE, CA, NL, NO, AU, BE, ES, FR, DK, IT, RU, SG and MY]
Gain is a high paying GPT site that allows you to complete offers, watch videos, complete surveys and more to earn coins. Gain operates in many countries. New users can start out with 100 coins by using this link. — Payment Proof.
↪ Withdrawal options include BTC, ETH, LTC, BCH, CSGOSHOP, Coinbase. Gift cards (through Tango/Rewardlink) also available in certain countries only. ↪ Free daily bonus coins from 10-100 depending on your user level, claim them every 24h on the Gain offerwall ↪ Age minimum: 13+ ↪ No screwy point to dollar conversion ratios. 1,000 coins = $1. ↪ Active, friendly and easily accessible support ↪ Earn extra coins for being one of the top 3 earners each day and each month ↪ Bet your Daily Bonus or your earnings (play responsibly) on roulette by clicking Win TIPS: • Referral Incentive: New users get 100 coins ($0.10). Referring users get 5% of the referred users earnings. • Click on the PayPal Guide link after signing up to learn how to easily convert your earnings from Crypto>PayPal with CoinBase. • 5% Earning Bonus: Sign up to the site with your Steam account and add gain.gg to the end of your steam username to earn a 5% bonus on your earnings. • Offers over 4000 coins are automatically held, message Support Chat (click Support on the top right of the chat box) to have the coins released for you.
GG2U is a GPT (Get-Paid-To) site. The website is a bit outdated looking, and it can feel clunky at times, but don't let that fool you. It has some of the highest paying rates, and has a few unique offer walls and plenty of survey routers that you rarely see on other sites. The customer support is great as well. The owner responds pretty quickly and is always willing to help out. This site is focused on gamers and has some gaming tasks, but there are plenty of things to do for non-gamers as well. — Payment Proof. *The site is International, but most earning opportunities are for US, UK, CA and AU.
↪ Age minimum: 13 ↪ Offers: Surveys, Offer Walls, Tasks, Videos, Gaming Tasks, and Promotional Link Shortener. ↪ Get paid for listening to the radio (US, CA, UK) ↪ Payout: [Minimum: $7] PayPal, BTC to Coinbase, Amazon, Best Buy, GameStop, Google Play, iTunes, Nintendo eShop, Playstation GC, Steam, Target, Walmart, Xbox GC ↪ Referral Incentive: The referring user earns 5% for life. TIPS: • For every 5 cash out requests, you get a Golden Token which will give you $1-7. This results in an average 7.8% higher payments if cashing out at the minimum each time. • If you contact support, you can request to have your payouts issued at the minimum cashout amount rather than for your full balance. This will let you make the most out of the Golden Tickets.
PrizeRebel is a GPT (Get-Paid-To) site. They have many offer walls and survey providers available. You can earn bonus points for meeting your daily goals, and they have bi-monthly contests that reward the top earners. They also have a Level program that allows you to earn a bigger percentage from your referrals, prize discounts, special bonuses, and automatic prize processing. Level up by earning more points. — Payment Proof. *The site is International, but most earning opportunities are for US, UK, CA and AU.
↪ Age minimum: 16 ↪ Offers: Surveys, Offer Walls, Tasks, Videos, Coupons, and Earning Contests. ↪ Payout: [Minimum: $2] Amazon, PayPal, VISA, Wal-Mart, Best Buy, Raffles and many more. ↪ Referral Incentive: 15-30% of what your referrals earn for life. TIPS: • Meet your daily goal each day to earn bonus points.
Fetch is an app available for both Android and iOS where users earn money for scanning receipts and for purchasing specific products or brands. You get points for every receipt from a grocery retailer, supermarket, club wholesaler, home improvement/hardware store, pet store or convenience stores, regardless of what you buy. You can get additional points for purchasing specific products or specific brands. Receipts cannot be more than 2 weeks old. It can also be set it up to passively collect e-receipts. — Payment Proof.
↪ Age minimum: Age of majority in your jurisdiction (Usually this is 18). ↪ Offers: Cash back for scanning receipts and buying specific products or brands. ↪ Payout: [Minimum $3] Amazon, Target, Best Buy, Xbox, Applebee's and many more. ↪ Referral Incentive: Both the referrer and the referred user get $2-5 when they scan their first receipt. The exact amount varies depending on the current promotion. This is close to or above the minimum cash out amount. TIPS: • Make sure to check for rebates on any items you regularly stock up on. • You don’t need to add rebates before purchasing items.
Ibotta is an app available for both Android and iOS that gives cash back for shopping at Ibotta's retail and then scanning your receipts to prove what purchases were made. They currently support around 160 stores. Most offers are for newer brands, but they often have well-known names such as Glade or Kraft. They also regularly have cash back deals for "any item" or "any brand". You can also get cash back for shopping on sites such as Amazon and various services such as meal delivery. — Payment Proof.
↪ Age minimum: 18 ↪ Offers: Cash back. ↪ Payout: [Minimum $20] Paypal, Venmo, Amazon, BestBuy, Starbucks and many more. ↪ Referral: Referred users get a $20 Welcome Bonus after redeeming their first brand name receipt. Referring users get $5 for each referred user who receives their welcome bonus. They also often run bonuses for referring a certain number of users during the month. TIPS:: • Always check for the "Any Item" rebate before scanning a receipt. • Check your account for bonuses. They often have bonuses for redeeming certain groups of rebates or for redeeming a certain number of rebates within a time limit. • You can link your Facebook account in order to participate in teamwork bonuses with friends.
GamerMine is a GPT site founded in January of 2017 that values the experience of their users. With over $115,000 USD paid out to their users over 25,000 withdrawals, they've earned the trust of many members of the beermoney community.
↪ YourSurveys Direct Integration - Complete the highest paying surveys on the market, directly sourced from YourSurveys and tailored to your profiling info. ↪ Steam Reward - Get paid by wearing our brand/gaming with it on Steam. ↪ Daily Bonus - Claim a bonus everyday that scales with your level. More earnings, higher daily free. Top members are earning up to $1.00 USD per day! ↪ Age minimum: 13 ↪ Inventory/Item System - Earn boosters that can be used whenever you want to increase your earnings on an offer. TIPS: • Leaderboard - Daily/monthly that auto-rewards the highest earners in the period.
Mturk is a platform that allows clients to post a large number of jobs. It is a bit more professional than the typical /beermoney site. You work for "requesters" and they can approve or reject your submitted tasks, also known as HITs. You can earn a lot more money on this site than other typical /beermoney sites, but you need to pay attention to which jobs you accept. Not all HITs pay well. They do require some sensitive information from you for tax purposes. Not everyone gets approved to work here, and some people will be approved months or years after being rejected. — Payment Proof. *This site is international, but most of the tasks are only available for the USA. International users can only redeem Amazon.com balance.
↪ Age minimum: 18 ↪ Offers: A large number of tasks including Surveys, Transcription, Translation, Website Testing, Data Entry and much more. ↪ Payout: [Minimum $0.01] Amazon.com Balance and Amazon Payments Balance. Amazon Payments Balance can be transferred to a bank account. Note: All Amazon Balance is for the USA Amazon.com website regardless of your country. ↪ Referral Incentive: None TIPS: • Only do HITs that pay at least 10¢/minute. This gives you a rate of $6/hour. Mturk crowd forum and /hitsworthturkingfor are good places to check for higher paying HITs. • It is better to return a HIT than to submit to if you are unsure whether the requester will approve it. Returning a HIT will not negatively affect you, but a rejection will. • Scripts are allowed and encouraged. Checked /mturk for more tips and suggestions.
UserTesting is a usability testing site. You get paid to record your screen and speak aloud while performing a number of specified tasks. These tasks are generally related to testing a website or an app, but some tests may have you complete a survey, play a game, test new software, etc. At the start you may receive $3 sample tests, but after a while you will see $10 unmoderated tests. Moderated tests start at $30 per test, and usually require you to have a webcam. Payment arrives via PayPal exactly 7 days after your test is completed. — Payment Proof. *The site is International, but most earning opportunities are for US, UK, CA and AU.
↪ Age minimum: 18 ↪ Offers: Usability testing ↪ Payout: [Minimum: None] PayPal ↪ Referral Incentive: None. TIPS: • Completing the unpaid surveys at the top may qualify you for additional tests. • Make sure to follow instructions carefully, keep talking, and be professional. Keeping a high quality rating is essential if you want to receive plenty of tests.
GetUpside is an app available on both Android and iOS that gives you cash back on gas, groceries and restaurants. You can get up to $0.25 per gallon of gas (or up to $0.50 per gallon twice per day), 15% on groceries, and 35% at restaurants. Some gas stations offer cash back on convenience store purchases, car washes, inspections, oil changes, etc. GetUpside also gives you a map of all the participating gas stations in your area, and you can get additional points for confirming or fixing the prices.
↪ Age Minimum: 13 ↪ Offers: Cashback on gas, groceries and restaurants. ↪ Payout: PayPal ($1 fee if under $15), Check ($1 fee if under $50), Amazon, Home Depot, Target, and many more. [GC Minimum: $10] ↪ Referral Incentive: The referred user gets $0.15-$0.20 off per gallon of gas on their first purchase. The referring user gets $0.01-$0.02 per gallon from direct referrals, and $0.005-$0.01 per gallon for indirect referrals for life. Amount varies per person. As of 05/18/20 (not sure how long it will last) new users who sign up with the link above get a $7-$14(varies per person) bonus if they buy at least $10 worth of gas. TIPS: • You must make your purchase with a debit or credit card. Cash, prepaid cards, gift cards, and EBT are not eligible forms of payment. • You only have 4 hours to make your gas or restaurant purchase after claiming the offer. Grocery offers have 24 hours. All receipts must be scanned within 24 hours from when you claim the offer.
Cash Back From Shopping Online
These sites give cash back on your online purchases. Online purchases require you to click their affiliate link prior to shopping. Ebates US has in-store offers as well. In-store purchases require you to link a debit/credit card and to active the offer prior to shopping. Most of these sites are International, but your shopping opportunities may be limited, and you will only get paid in the associated currency. — Ebates Payment Proof.
TIPS: • Make sure to click on the "Shop Now" or “Get Cashback” button before adding items to your cart. Otherwise, your shopping trip may not count. • You can only use one shopping portal per shopping trip. Attempting to use more than one may cause problems crediting your account. • Disable any ad blockers while shopping. • For US Users: Sometimes you can earn more cash back on Ebates or TopCashBack than the other for a particular store. Check both sites if you want to get the most cash back for each purchase. • For TopCashBack UK Users: New users are automatically enrolled into the Plus membership. Downgrade to the Classic membership to avoid being charged £5/year.
Master Card, PayPal, BACS, Gift Cards, British Airways
Amazon Pay, NEFT, Paytm
PayPal, Amazon, UnionPay
New User Bonus
Some information is missing due to translation difficulties and signup problems. Please let us know if you know any of this missing information.
Sites to Avoid: Definitely DO NOT post these.
✖ Earnsanity — Shady owner, sketchy site. Held giveaway and then refunded the prizes after it was over. History of scamming many others. AVOID AT ALL COSTS UNLESS YOU WANT TO BE SCAMMED. ✖ Paidverts — Shady owner, sketchy site. Keeps doing debt swaps (cash to BAP). Do not post. ✖ Neobux — It isn’t really a scam, but they operate as a pyramid scheme. There’s money to be made online, but it’s definitely not there. ✖ MarketGlory — It does pay out, but the pay is absolutely ridiculous. The only way to make a decent amount of money is to have a lot of referrals, and referral whoring on this subreddit WILL result in a permanent ban. ✖ MindSumo — Not actually a /beermoney site. It’s only spam in this sub. ✖ G2A — Scam/sells stolen keys. ✖ Robinhood — This is spammed on our sub constantly. ✖ Quickthoughts — Many reports of people being banned when trying to withdraw as of 10/2018. Do your due diligence before possibly wasting your time on this app. ✖ Sites with $100+ minimum — These sites usually offer higher than normal payments for simple tasks, with a high minimum to cash out. They are always scams. ✖ Generic news sites that pay you ridiculous amounts to read an article (two euros??) — Common sense should take care of this, but in case it doesn’t, it’s always a scam. The site is usually hosted somewhere in Eastern Europe, and you will never get paid. ✖ Free bitcoin sites/"faucets" (THIS INCLUDES QOINPRO) — This is not referring to those video-viewing/task sites (although they’re still paying fragments of a penny). I’m talking about sites that give you 0.000001BTC to fill a captcha (freebitco.in, dailybitcoins). Admittedly many beermoney sites pay low, but don’t even bother with these. Also: Bitcoin mining is NO LONGER PROFITABLE. If you're really so keen on getting bitcoins, doing so through an exchange is your best option. Here are a few more scam sites and sketchy sites.
Please note that presence on this post does not imply that /beermoney or its moderators endorse the site or their views, actions, or policies. This list simply contains sites that are used by a large number of our users or are frequently mentioned on our subreddit. We frequently monitor data from all the sites on this list from various sources to ensure that users are able and interested in utilizing them and if they do, that they also are getting paid promptly and fairly for all work they do. We make adjustments to this list and the order of sites accordingly based on all the data we receive.
Please make sure you follow the Rules of our subreddit and if you ever have any questions about anything beermoney related, please take a look at our extensive FAQ which should answer almost any question you might have.
Hey Guys, after I shipped my last few Hauls via Ytaopal I think I can give a honest Opinion about Ytaopal and can give you some Tips about Ytaopal If you are using Superbuy, you should check out hyperionfr `s Guide here. Its better and bigger than mine but he only talked about Superbuy as Agent, that inspired me about doing my own little Guide for yall.
How to buy from Taobao, Tmall, Yupoo and more Sources via Ytaopal
Shipping and Customs (+ my Experiences)
My Experiences with Ytaopal (+ compared to Superbuy)
1. What is an Agent?
tl;dr: An Agent is a commercial Service which lets you buy Items off of Chinese Websites and deliveres them to you. An Agent also sends you Pictures of your Items before shipping and is talking to the Sellers for you. These Services take a small fee for their Service but this is in the most cases absolutely worth it so you should use them. For new users coming to this sub daily it is hard to directly understand the point of an agent. Be honest, you did not do better in your first days/weeks. So instead of redirecting them to the searchbar just explain it to them in 2 sentences. The main website we buy our reps from is taobao.com. It is like a amazon or eBay for China - solely for China. The problem that results is that we need a connection between your country and China. You cannot buy from TaoBao directly (for most of the countries) and you probably would not understand anything. So here comes the agent in hand. You browse through your favorite TaoBao shops and find some items you want to buy. Now you do not buy it through TaoBao but through your agent (in our case Ytaopal). Ytaopal now buys this exact item and lets it deliver to their warehouse. You ask for pictures, measurements, exchanges, returns etc. When everything is fine Ytaopal will package everything and deliver it to you. They are the connection between you and TaoBao. (the longer Text was written byhyperionfrfor his Guide)
2. Which agent to use?
As suggested by the Title of the Post, Im using Ytaopal. In my time into Fashionreps I used a few Agents like Superbuy, Basetao, CSSBuy and Ytaopal. None of them is bad but there are some differences in their offerings and prices. For first-time buyers I would suggest going with Superbuy, which is a bit more expensive then the other ones but is the most professional and the most easy to use. In addition, you can find more than enough Guides for buying via Superbuy on this Subreddit.
How to buy from Taobao, Tmall, Yupoo and more Sources via Ytaopal
1. Buying things on Chinese Websites
tl;dr Taobao/Tmall Tutorial:
get a Link for what you want
go to Ytaopal and paste your Link into the Searchbar
Select type and sizing
Click the "Add to Cart" Button
Go into your Cart
Click the Checkout Button
Pay the Items
1.1 Signing Up
Just go to the top-right corner and select "Register". Just put in your email, username and password and you should be fine.
1.2 Finding Items
You can buy Items from many different Chinese Sites. You can find the officially Supported Sites on Ytaopals Homepage, altough its not listed there, you can order from Yupoo and Wechat too. For finding the Items you want, just take a look into the Subreddit and check out some of the Hauls other Guys did. In most cases you can find a Review of the Item and a Link to the Seller. You can also click some recommended Links on Taobao or explore some sellers on Yupoo. A big help while checking out Items on Taobao can be u/AColdFloor `s QCSuite Addon which can be found here. It displays the QC Pictures of other Users to you right on the Taobao site. With that, you can check how the Item looks in reality and can decide better. For Translating Chinese I found Google Translator (for Websites) and Yandex Image OCR (for Pictures) the most useful. Most of the time you can get a Sense of what the Seller is trying to tell you.
1.3 Buying Items
If you found the Items you want, click at the Searchbar at the Homepage of Ytaopal and just Copy your Link into it. If its a Link from a officially Supported Site you can just Click the Options and you see a Picture of your Pick. The Price will also be automatically filled. If you want to order from CNFashionBuy/CNFashionPub, scroll down at the Articles Site and click the Yupoo link. After you got the Yupoo Link just do the usual Ordering Process through Yupoo (below). When using the CN Sites, set the "Price" to that listed on the Site and set "Shipping" to 0. If you want to order from Yupoo, paste the Link into the searchbar on the Homepage and the Ytaopal Site will be Blank. Now fill out the Blank Spaces, into "Title" just copy the Name of the Yupoo Album of your desired Item. Prices should be listed somewhere on Yupoo too. Now just fill in the Size you want into the "Comments" field. If you want to order from WeChat, write an Email towards [[email protected]](mailto:[email protected]) telling them the WeChat Name and the Items you want, try to specify what you want as specific as possible. How to order from Taobao Imgur Tutorial How to order from Yupoo Imgur Tutorial
Ytaopal uses a Balance System, that means you cant be overcharged and can only pay what you charged up before. All Refunds will be added to your Ytaopal Balance. To charge up your balance just navigate to the Dashboard of your Ytaopal Account and click "recharge". For adding Money to your Account you can use Debit Cards, Bitcoin, Western Union, Bank Transfer, iDeal, Giropay, Polipayment, Trustpay, EPS, Mistercash, Mybank (France/Belgium/Italy and Luxembourg), Sofort, Safetypay and Multibanco. You can select the amount you want to charge up and the fees for it will be shown below. If you want to pay with Paypal (which is pretty likely), just write an Email at the Support. They are gonna tell you the Paypal-adress and what you have to do. Paying with Paypal is fee-less and takes 24h at most. (the Support needs to add the Balance manually to your Account)
1.5 the Warehouse
After you ordered your Items, you can see them listed in your Warehouse after they arrive at Ytaopal. The Warehouse lists your Items and shows the Order-Number, Price and Weight. When your Items are listed in the Warehouse, you can click on "QC Album" (on the Dashboard) or "My QC Pictures" (at the Sidebar) to see the Pictures your Agent took of your Pieces. In my opinion, those pictures are far superior to the QC Pics of Superbuy. (more to my Experiences down below) Ytaopal Warehouse + QC Pics Imgur Album
2. Getting your Items shipped to you
go to your Warehouse
select the Items you want to ship
click the "Add to package" Button
Fill in your Adress and your favourite shipping method
Pay for your Package
To get your fresh new clothes shipped to you, just go to your Warehouse and tick the Boxes besides the Items you want to ship then click "add new Package" and you will be taken towards the Checkout Screen. There you select your Shipping Adress, Shipping Service (DHL GANG GANG) and Select if you wanted to keep Boxes or throw them away. You should throw them away if you dont need them, that saves you a lot of money and can be benefical with the customs. Underneath you can input some Comments that you want to tell Ytaopal, unless like other Agents Ytaopal will not write those Comments on your Parcel. Ytaopal shipping Screenshot Imgur
Check the total weight of your Parcel
Check the Customs Regulations about Parcels for your Country
Pick the Price you want to declare your Haul at
Submit your Parcel
Write an Email to the Support including your Parcel-Number and tell them how you want to declare your Items.
Ask the Support to send you the Invoice they put on your Parcel
My Tip for you is to let the Comment Section blank and write an Email to the Support after you submitted your Parcel. When you write an Email you can tell them exactly how you want to declare it. If you dont tell them anything they will declare it at original Pricing so you should at least do it in the Comments if you dont want to write that Email. Also, if you dont tell them anything about the Items inside, they will just put the real Items on the Box (e.g. if you bought 3 Hoodies and 1 Shirt, it will just be declared at 3 Hoodies and 1 Shirt but fitting to the Price you want). If you just say they should declare it to 30$ for example they are gonna fit your Items to 30$ with free Shipping. Depending on your Country, you should probably set it to ~5$ Shipping or how you want. Remember to ask them to send you the Invoice they put on the Parcel. You will not receive a shipping Refund with Ytaopal, but the Pricing is a good bit cheaper than Superbuys. You can calculate shipping Prices via the Calculator found on their Homepage, remember that this is only accurate with EMS as DHL goes for volumetric weight which you cannot be calculated.
2.2 What happens when the Customs Check my Haul
First Advice, calm down. It is very unlikely that Customs open up your Haul randomly. If you are in a Country of the European Union, Customs cannot open your Parcel without you accepting to open it if its not looking Suspicious. If you are using DHL, just check the Tracking Site to see your Parcelstatus."Customs status updated" - Your Parcel has been announced to Customs or you need to hand-in a Proof of Worth for your Items. You can see this when clicking on the "+ Button" on the tracking Site. " Processed for clearance at LEIPZIG - GERMANY " - The Customs started working on your Parcel, nothing bad. " Clearance event " - Your Parcel is stuck or delayed, most of the time you are fine. If its on this Status for a longer Period of time, call DHL."Clearance processing complete at LEIPZIG - GERMANY " - Your Parcel got through Customs without Problems! How to do the Proof of Worth: Obviously, you dont want to pay Taxes so you need to fake the Invoice. The Invoice that Ytaopal sent you is not going to be accepted as such Invoices can easily be faked. So what do you send the Customs then? Just go to your Paypal recent activities and pick a Payment. Click F12 and edit the Date of the Transaction (to the Date your Parcel was Packed), the Worth (to your declared Value). Just take a Screenshot of your edited Transaction and upload it to DHL4You. You may need to call them and tell them you uploaded it afterwards. Sometimes they want the Proof of Worth for every single Item, just go to your Parcel on Ytaopal and F12 again. Change the Values of the Items to match the total worth of your Parcel and just send them this Screenshot too. There are probably Guides for declaration for your specific Countries on the Subreddit, just search them.
3. My Experiences with Ytaopal (+ compared to Superbuy)
In my Experience, Ytaopals Customer Support is the best I ever encountered. Big thanks to Alice and Shmily for helping me out with my Questions and Orders. As you can see in the Pics, I spammed them a little bit and they were very kind and never Rude. Remember Bois, always be nice to your Agent and Sellers, they are getting your Shit for you. The Emails I wrote to Ytaopal Imgur Here is a quick comparison between the 2 Agentservices:
- better QC Pics
- definetly worse QC pics
- more Personal, worse Website
- more automated, better Website
- uses their own Mind instead of just doing what you said
- does strictly what you said
- only Beijing-Time Support
- 24/7 Support
- fewer Workers, slower when there are more Parcels
- more Workers
As seen in the Table, Ytaopal is an Agent which requires you to Contact them a lot to manage your Shipments and Orders. That may be a bit complicated for newcommers, but gives experienced shoppers a lot more "customization". If you got any more Questions or anything, just write a Comment or send me Message, im glad to help.
Bitcoins From Above Zoey Rapscallion Shopping Cart Fortnite Battle Royale T727 Wallpaper Am I Anonymous When Using Bitcoin? Bitcoin is not a fully anonymous cryptocurrency like some crypto coins out there, but you can still use the most valuable coin (BTC) and still be hidden from the many curious spying eyes. A service which is known as a bitcoin blender can help with obtaining the anonymity that some deeply desire. Using a service known as a bitcoin blender is the very best way to transact with bitcoin and still remain completely anonymous. If one is concerned about revealing their personal identity then a bitcoin blender service is the very best way to continue transacting bitcoin while keeping a personal identity on a private lock down.
Bitcoins From Above Sun Tan Specialist Shade Shopping Cart Dark Vanguard Rapscallion Fortnite Battle Royale Z7812 Wallpaper
Bitcoins From Above Sun Tan Specialist Shade Shopping Cart Dark Vanguard Rapscallion Fortnite Battle Royale Z7812 Wallpaper Am I Anonymous When Using Bitcoin? Bitcoin is not a fully anonymous cryptocurrency like some crypto coins out there, but you can still use the most valuable coin (BTC) and still be hidden from the many curious spying eyes. A service which is known as a bitcoin blender can help with obtaining the anonymity that some deeply desire. Using a service known as a bitcoin blender is the very best way to transact with bitcoin and still remain completely anonymous. If one is concerned about revealing their personal identity then a bitcoin blender service is the very best way to continue transacting bitcoin while keeping a personal identity on a private lock down.
Bitcoins From Above The Reaper And Triple Threat Fortnite Battle Royale Shopping Cart T725 Wallpaper
Bitcoins From Above The Reaper And Triple Threat Fortnite Battle Royale Shopping Cart T725 Wallpaper Am I Anonymous When Using Bitcoin? Bitcoin is not a fully anonymous cryptocurrency like some crypto coins out there, but you can still use the most valuable coin (BTC) and still be hidden from the many curious spying eyes. A service which is known as a bitcoin blender can help with obtaining the anonymity that some deeply desire. Using a service known as a bitcoin blender is the very best way to transact with bitcoin and still remain completely anonymous. If one is concerned about revealing their personal identity then a bitcoin blender service is the very best way to continue transacting bitcoin while keeping a personal identity on a private lock down.
Basics for how to do carding Points we will go through: - What is carding? - What are the factors relates to carding? - How it’s done - the process itself. - Precautionary measures Carder should take. Overview: Nowadays, if we see the credit card fraud trend, it is being increased day by day and new techniques being discovered to hack the credit card info and use it for malicious purpose so it's a good growing business. As everything goes cashless, the use of a credit card will be necessary for everyone. There are so many ways to get the credit card details available on the internet through Darknet sites as well as on TOR sites (Data Leak .etc.). As we can see on social media sites and groups, most of the carders provide the offers which are collected from Online Sites, offline stores etc. and groups for your reference: Be aware that you should never contact a ripper. A Ripper is a fraud who takes the money and never deliver the product. Bad ways are: Facebook and WhatsApp groups Let’s start with the basics.
Introduction to Carding and Key Points:
There are multiple definitions available per different views. Carding itself is defined as the illegal use of the card (Credit/Debit) by unauthorized people (carder) to buy a product. 1.1 Key points in carding method. 2. Let start to understand each point one by one. 2.1 Computer (PC): For doing carding always use a computer. I know some methods using a mobile device, but it is less secure and involves more risk. 2.2 SOCKS: SOCKS stands for SOCKet Secure. It is internet protocol which allows client and server traffic pass through a proxy server, so real IP is getting hidden and proxy IP get reflected. This is useful while carding because carder wants to use the credit card holder’s location while doing it. Users can buy SOCKS. 2.3 Mac Address Changer and crypting: MAC stands for Media Access Control. It is the unique address of every Network Interface Card (NIC). A MAC address changer allows you to change the MAC address of NIC instantly. It is required to be anonymous and safe. Sure the best way is to have your computer encrypted - find some software to encrypt the PC. E.x. Best Crypt. Do not forget to fully turn off the PC while moving somewhere. 2.4 CCleaner: It is very useful tool help in cleaning your browsing history, cookies, temp files, etc. Many people ignore this part and get caught, so be careful and don’t forget to use it. 2.5 RDP (Remote Desktop Protocol): RDP allows one computer to connect to another computer within the network. It is protocol developed by Microsoft. Basically, carders use it to connect to computers of the geolocation of the person whose credit card carder want to use. It is used for safety and stay anon. Here carders using others’ PC for doing carding instead of their own. 2.6 DROP: DROP is an address which the carder uses for the shipping address in the carding process. Let me explain in details with an example: If I am carding with US credit card, then I use USA address as shipping address then my order will be shipped successfully, and I will be safe. If you have relatives/friends, then no problem, otherwise use sites who provide drop services only we have to pay extra for shipping it. 2.7 credit card (Credit Card): This part is very much important so read it carefully. Any credit card it is in the following format: | credit card Number | Exp Date | CVV2 code | Name on the Card | Address | City | State | Country | Zip code | Phone number (sometimes not included depending on where you get your credit card from)| e.g.: (randomly taken numbedetails) | 4305873969346315 | 05 | 2018 | 591 | UNITED STATES | John Mechanic | 201 Stone Wayne Lane | Easternton | MA | 01949 |
Types of Credit Card:
Every Credit card company starts their credit card number with a unique number to identify individually like shown below American Express (AMEX Card) – 3 Visa Card – 4 Master Card – 5 Discover (Disco) – 6 Company wise credit card details:
Classic: The Card is used worldwide in any locations designated by Visa, including ATMs, real and virtual Stores, and shops offering goods and services by mail and telephone. Gold – This card has a higher limit capacity. Most used card and adopted worldwide. Platinum – Card is having limits over $10,000. Signature – No preset spending limit – great bin to get Infinite – Most prestigious card with having virtually no limit. There is less in circulation so be alert when buying these. Use only with reputable sellers! Business – it can be used for small to medium sized businesses, usually has a limit. Corporate – it can be used with medium to large size businesses, having more limit than a Business card. Black – It has limited membership. It has no limit only having $500 annual fee, high-end card.
Standard – it is same as classic visa card. Gold – it is same as visa gold card. Platinum – it is same as visa platinum card World – it has a very high limit. World Elite – it is virtually no limit, high-end card.
Gold – it usually has around a 10k limit. Platinum- is usually has a higher limit (around 35k). Centurion – it has a High limit (75k+). It is also known as the black card, note: do not confuse with visa black card. Now we can start with some of the questionnaire and Basic concepts before start practical process of Carding. Q1. What is BIN? It is known as Bank Identification Number (BIN). It is a 6-digit number e.g.: 431408. Some of the reference sites which give BIN info which I also refer: www.bins.pro www.binlists.com www.exactbins.com Simply go to the site (www.bins.pro) enter BIN number and click on find to get the details. I have added first 4 digits only. You can filter out the option as per requirement shown below We got most of the information from the site. Now the question is how to know the balance of CC. is it possible? and answer is Yes, I will let you know step by step using normal as well as Skype method J Q2. What is the meaning of VBV, NON VBV and MSC? VBV (Verified by Visa) – Extra level protection is added by Visa to protect the Card from fraud. Like DOB, password, Social Security Number and Mother’s name, etc. also sending OTP (one-time password) as extra security level to card owner mobile number to validate the transaction. NON VBV (Verified by Visa) –Handy to use. No need extra information as specified in VBV card while doing the transaction. Note it down (IMP)- Carders mainly buy and use NON VBV cards for carding. MSC (MasterCard Secure Code) – security level same as VBV card. Q3. What is AVS? It stands for Address Verification System It is the system which is used to identify the credit card holder original address with billing address provided by the user while shopping or online transaction. The system is used to identify the online fraud over the internet. Q4. How to check credit card is live or dead? There are many sites available on the internet to verify credit card is live or dead, but they charge for it approx. $0.001 (price may vary). Also, 80% websites kill the credit card so never use it. There are tools also available on the internet to check the credit card status, but most of them are a backdoor or Trojan so prefer not to use it. As such there is no easy method to check it. Carder uses own ways to find it out. One of the ways is… Most carder go to Porn sites, buy a membership and confirm the credit card is live and proceed with carding. Q5. How to check the credit card is live or dead? (Skype Method) (Note: method is posted on March 16) Login into Skype account and call on Magic number +18005xx5633 (masked). You will connect to voice mail (lady’s voice). Start by entering the credit card number, and voice mail lady will stop automatically. After that enter Expiry date of a card like 01 16 (mm: yy format). If your credit card is live then voice mail lady will speak like “Thank you for calling, we really appreciate your business, since u are a 1st-time caller we would like to connect you .. blah blah” then just hang the call. But if the credit card is used and voice mail lady speak like “Ohh I’m sorry please re-enter your credit card number now” then the card is dead. You can repeat the same process as many time you want. Note: You need a good internet connection for Skype calls. Q6. What is Bill=ship/Bill=CC/Ship=your Address? Kindly pay attention here as it is also the main portion in carding process. Any mistake will cancel the order and id get blocked. BILL=SHIP (Billing address: Shipping address) Take a scenario of normal online shopping scenario, when you are doing carding you will use billing address and shipping address are same. Means in both u will use your address. No need to use credit card address. Bill=Shipping address, Ship=your address When you are doing carding, you will use credit card holder address as your billing address, and shipping address will be your address. Most sites use this method. Now we cleared basic concepts and start with the actual process of carding. Setup SOCKS proxy in Firefox: Follow the steps: open Firefox, go to options, advanced options, network A pop-up will come. It will show options No proxy 2. Auto Detect 3. Use system proxy 4. Manual proxy configuration Select manual proxy configuration. Enter socks host: <> and port: <> e.g.: 22.214.171.124: 8080. Press ok and restart Firefox. Now you are connected to secure Socks5 J Ethical Hacking Training – Resources (InfoSec) Note: when you buy a socks always match with credit card holder address. If credit card holder is from California, USA then try to get SOCKS5 at least matching state, country J Guys now time to start the Carding process. Kindly follow the steps: Create the email id matching with credit card holder name. If his name is John Cena ( the random name was taken), then email id should be [email protected] or near about. Now Run RDP and connect to the credit card holder location system to proceed. If you didn’t have RDP, then follow following steps. Open MAC changer and change the address randomly. Run CCleaner and clean all the unwanted data (cookies/history/temp data etc.). Setup SOCKS5 proxy in Firefox. <>. Be sure to use SOCK5 is matching to the location of credit card holder and be aware not to use blacklisted IP. Check with www.check2ip.com Open the site for shopping. I want to recommend a website shop from your country because you don`t need to wait a lot for your package. Register with credit card holder information (John Cena), name, country, city, address, and email. Shop and choose your item and add to cart. Precaution: Select item not more than $500 at first step. In shipping address add your address or drop address where the product is going to deliver. Then go to the payment page and choose payment method like a credit card. Enter all details of credit card manually because most of site having copy paste detector script. Finally, in billing address add credit card owner address info and then proceed with the payment process. If everything all right then the order will get successfully placed. Once the order arrives at the shipping address, receive it from delivery boy. (Few carder arrange fake id if delivery boy ask for proof). Carding method using mobile: Extra pro carder uses mobile for doing carding. If you followed steps carefully, you would also do that. Basic requirement: Require rooted Android mobile. Install few application require for carding (proxy apps, CCleaner, IMEI changer, Photo and Android ID changer). You can use any VPN for carding I recommend HMA or Zen mate. You can use SOCKS5 proxy with proxy droid apps. Also, proceed with IMEI and Android ID changer and do it. Now connect with proxy droid with SOCKS5 proxy and connect it. Now follow all the steps explained above. Reference: CC and dumps shop to buy www.antigreedy.com Buy SOCKS Download CCleaner Download MAC address Download SOCKS Acronyms: BIN: Bank Identification Number CC: Credit Card CCN: Credit Card Number CVV/CVV2: Credit Verification Value (Card Security Code) SSN: Social Security Number MMN: Mother Maiden Name DOB: Date Of Birth COB: Change of Billing VBV: Verified by Visa MCSC: MasterCard Secure Code POS: Point of Sale VPN: Virtual Private Network BTC: Bitcoin Personal Advice: Be safe and have fun, get money. *Telegram @AntiGreedy *ICQ 743526859 *Jabber [antigreedy_[email protected]](mailto:[email protected]) * www.antigreedy.com * antigreedy.bazar *TOR - antig4vt6kvg7am6.onion
SCOTUS has decided small businesses should pay any state that wants sales tax. Filling out forms and reading up on tax rules is not my idea of fun. Cryptokidgames plays by the rules, and the rules suck. So I'm closing shop. I'm clearing out my inventory of board games. It's been fun, I enjoyed meeting several of you. There's still going to be a meetup at GenCon. The website is https://www.cryptokidgames.com. My inventory is pretty limited on most games, items may leave your cart if someone else buys the last copy while you're shopping. Get 50% off with the coupon code 'DEATHANDTAXES' Have fun, play more games! Edit: I appreciate the posts and PMs with suggestions on how to keep going, but it's too late for Cryptokid Games. The best thing you can do to help is download a copy of OpenBazaar and/or browse AcceptBitcoin.cash. Find small vendors and do business with them. There's the bitcoin merchants you think of, and then there's dozens of others who aren't seeing a lot of business. Help them out.
By Arthur G. Staples ON "THE INFLUENZY" DOC'S been here agen terday! Seem's ez ef he come ter say "How yer gettin' on terday?" lookin' at me where I lay. I ain't talkin' over much; ain't no need ter air my lore. Eyes a burning' where they be; ears a bustin' with a roar; mouth thet's like a shingle-mill; dry's the handle of a pump; back that's broke square in two bout four inches 'bove the rump! So I ain't so long on talk. Got no answer fer the doc! Doc don't seem ter mind me none; sets around a little bit; pulls a little dictaphone; lays it on my kroop- er-bone; makes me breathe and holler "A-a-ah"; breathe an' intake; breathe an' groan through the little dictaphone. Sez he after quite a spell. "Them Bolsheveeks is raisin' hell! D'ye think ol' Wilson's doin' well?" Take my tempertoor agen; thumps me on the abdo- men. "Think it's goin' ter snow agen?" But I don't want no casual chat. I don't call no doc, fer that. Got no call for Bolsheveeks, fer at least a couple er weeks! Don't keer ef it snows an' snows ef I could only blow my nose! I want facks! Right off'n the bat! I don't want no social chat! Ef I'm wusn't what I wus, what's the reason; what's the cause? What's the status of he case; tell te facks right to my face; lemme know the wust and best; is my innards all congessed; are there bones loose in my pate; is my backbone dislocate; ef I ain't got no tempertoor an' no disease fer sure, what in time's ther howdydoo ef 'taint the pip and 'tain't the flu? Doc he sets around a bit. "Man!" says he, "you're lookin' fit! Have you fightin' Dempsey yit." Then I looks Doc in the eye: "Tie the bull outside," says I. "Doc, I bleeve I'm goin' ter die. I'm dead now above my chin! Eyes and nose and ears and all! Ain't breathed reglar fer a week! Jints all movin' with a squeak. Every time I move my jaw, feel's ez though I'd broke the law. Doc," says I, "it's up ter you! Ef t'aint the pip and 'tain't the flu how yer goin' ter pull me through?" Doc he sets an' thinks erwhile; then he answers with a smile, "Ain't you the chap wrote a talk, couldn't eat and couldn't walk, waited fer the birds to sing, an' the comin' of the spring; wanted to loaf by a larfin stream, set an' fish an' fish an' dream, nuthin' but bees an' bugs an' things, thet live right where the wild stream sings. Maybe that ain't jest carreck, but sumthin' at least to that effeck." An' the doc he opens a bag he lugs. "What you need," sez he, "is a dose of bugs." An' sure enough I'm gettin' well; ain't felt so peart for quite a spell. Wuz over a billion bugs, they say, in the shot doc gimme the other day. Reely feel I'm comin' to; 'tain't the pip an' 'tain't the flu; but jest er case when all I need is sumthin' off'n the flowery mead, an' when you can't inject the Spring nor a dose of blue- bird on the wing, nor brooks that run, ner vi'lets blue ter cure the pip er cure the flu, why! the next best thing the doctor lugs is a shot of erbout a billion bugs. An' as they sort o' crawl eround, I can somehow feel I'm on the ground, with all the rest that my fancy hugs, the birds an' bees an' the billion bugs.
I would like to share some insight on why I am holding Walton (WTC).. Remember this is just my personal opinion and you should always do your own research and come up with your own assessment before investing. When it comes to investing, one of the primary things I look for is growth potential. And when it comes to Waltonchain, I feel like the potential for growth is so extreme that it could be unprecedented. Of course I can't say for certain Waltonchain will make investors wealthy. But what I will say is Waltonchain is no stranger to the rapidly growing RFID technology, nor the market it resides in. About Waltonchain Everyone knows what a UPC code (bar code) is.. it stores the price and helps retail stores keep track of inventory levels. The advancement of this technology is what brought us RFID tags.. Below are the benefits RFID has over the traditional UPC bar code.
RFID chips can store much more information than bar codes.
RFID chips are a read/write technology, so more information can be added to them as needed.
RFID chips don’t require line-of-sight proximity (i.e., the information they store can be read even when products are still encased in boxes or crates).
RFID chips are more robust (i.e., not subject to problems caused by tearing, creasing, or alteration) than bar coding.
RFID chips can enable the tracking of individual pieces of merchandise.
What Waltonchain has done is taken the RFID technology to the next level by combining it with blockchain technology.. (See below)
A dissymmetric encryption and decryption module is integrated into the tag chip of this project, bringing out safer tag communication.
A dedicated storage space is integrated into the tag chip of this project for the storage of hash value of tag status and key information, which makes the tag content truly tamper-resistant;
The tag chip of this project adopts the low voltage and low power consumption design, and applies advanced technology; though with an increased size of design, its power consumption is lower than that of traditional design;
The anti-collision logic is added to the design scheme of the tag chip of this project. As a result, the collision probability is lower, and the probability of skipping - reading is significantly reduced.
Technical advantages of Waltonchain RFID tags.
It is possible to truly trace back to its source;
It is possible to achieve the anti-counterfeiting goal;
Realize the decentralization with less demanding requirements for credence;
Reduce labor costs.
Example of RFID in the real world
Rather than simply identifying an item as a box of Cheerios (as bar codes do), an RFID chip can uniquely identify a particular box of Cheerios and enable it to be tracked all the way through the sales chain, from the warehouse to a consumer’s shopping cart. This level of uniqueness in tracking can, for example, aid in the removal of expired merchandise from store shelves or assist in locating items designated as part of a product recall. - Snopes
Waltonchain's 4-phase development plan.
Walton team has formulated a 4-phase development plan, starting from infrastructure platform establishment to gradually incorporating retail, logistics and product manufacturing, and to finally achieving the full coverage of business ecosystem.
Basically Walton works with retail, logistics, and product manufacturing to improve efficiency on all fronts. The entire process from manufacturing all the way to delivery can be assisted and improved with Waltonchain. Waltonchain achieves this by developing state of the art tamper-resistant RFID (Radio Frequency Identification) chips with storage and encryption capabilities. Waltonchains RFID chips can be applied to any tangible item allowing traceability and improved security throughout its journey. Phase 1
The team has developed the clothing system integration scheme based on RFID. The system has been implemented in Tries, SMEN and Kaltendin. The condition of widely application and promotion has been met. The team starts to research and develop the RFID beacon chip with proprietary intellectual property rights.
The RFID chips will be mass-produced and used in clothing, retail and logistics. This includes store pickup, pricing, order placing, packing and storage, sorting and distribution, store management, dispatching, customer signature, customer assessment and feedback.
Manufacturers will achieve traceable intelligent packaging. The entire processes will be covered, including material purchasing, production, assembly operation, packaging and inventory management. The quality of the materials can be verified and tracked to the source easily. Counterfeit goods can be eliminated to ensure customer interests.
In the future, all assets can be registered in Waltonchain and problems in asset ownership and traceability will be resolved.
Waltonchain isn't just an idea or some dream, it's becoming a reality. Product testing with manufacturers, warehouses and retail stores is already underway. Even though Waltonchain has a long road ahead (Roadmap), I believe there will be a growing demand not just for RFID technology, but specifically for Waltonchains RFID technology. Let's take a look at some Q&A's collected from AMA's and FAQ.
How much money has gone into R&D so far? Will we see pictures of the hardware anytime soon? So far between Silicon, Dr. Kim's Lab, and Waltonchain China and Waltonchain Korea, we have approximately spent $8million dollars in R&D alone. Walton chain RFID system prototype has been fabricated and the photos will be shown next month. Does the Walton team currently hold, or have plans to file for, any patents that directly related to the RFID tag IC it has plans to produce? Walton team has written and submitted at least four RFID-related patents. our senior advisor Dr. Kim owns 10s of patents, our affiliate Silicon owns many patents as well. (As you can see form CEO Mo Bing’s introduction video). All of the above patents should be and will be readily available for our use to product Waltonchain’s IP advantages over our potential competitors. If at some point in the future other companies want to use RFID chips using technology created by WaltonChain, will they pay royalties to WaltonChain for technology patented by WaltonChain members? Yes. What would be an example or scenario, of a RFID chip applying to the average person daily life? Maybe even if they are not aware of their tech surroundings Many, e.g. supermarket merchandise inventory, RFID anti-theft system of clothing store and so on. You can pretty much think that we would almost work in any scenario with tangible products. But our focus is firstly to break through the clothing industry right now. Think about Walmart or Target and Costco, and then think about their suppliers, the businesses that supply to these large retailers. They can all be our clients. Have you tested your RFID tech with any company outside of the clothing industry? Yes, we also test in retail stores and warehouses. Why choose the application of garment industry as the breakthrough point in Phase 1.0 of this project? *The RFID tag has achieved the management of item level in the application of garment industry. Hence, the number of usage is enormous. Large amounts of experimental data can be obtained easily in the development and early application of the chip, as a result of which the chip and system technologies will mature quickly ; *Many core members of the team have years of industry experience in the field of garment, and they are also familiar with the garment industry, the application of RFID intelligent system, and the promotion of software informationization products and other areas. With abundant resources of customer channels, the upfront cost of customer development is low. Therefore, it is possible to enter the market rapidly and to build up customer base in early days. Does WaltonChain has its own blockchain? Waltonchain is a self-developed public blockchain, and the wallet is expected to be online at the end of October. For now, WTC is an ERC20 token but when the Genesis block has been mined the token based on Ethereum will be replaced by the actual Walton Coin with the exchange rate of 1:1. How much testing has been done in real companies who have opted for integration of WTC to see if it will be long term beneficial? Up to now, many companies such as Tries, Joeone, SMEN in the apparel industry, Kehua, Lipson plastic in the manufacturing industry and Xiangyu group in the warehouse industry have applied for our WTC & RFID integration system. What is impressive is that all of them have benefited a lot by integrating our system! Compared to before integration, their yield rate has increased by 1.2%, the stock turnover increased by 5.8%, the distribution efficiency has improved by almost 100%, and the inventory efficiency almost tripled in their stores. For customer information please refer to list below:
With the government subsidizing the project, are you able to provide any other insight into the involvement of the government (including other countries)? Quanzhou Silicon, the technology backup of WTC in China and a subsidiary of the Silicon Group, has been awarded the “second-class international qualification”, and has received project subsidies from the local government of Quanzhou City, Fujian province. Another subsidiary of the Silicon Group, Nanjing Silihua is also involved in the R&D of the parent chain of WTC. The block chain system developed by this company has received substantial recognition by the technology staff of the government. And it is currently applying for the science and technology award of the Nanjing government. Apart from this, Xiameng IOT Technology Co.,Ltd, another subsidiary of the Silicon Group, has received a 5-million-yuan subsidy for the project “Smart Ocean of Fujian Province”. The subsidy will be used for the establishment of an IOT-RFID system and the development of the corresponding series of products, which will be a dramatic driving force to the development of Smart Ocean industry in China. So far, the IOT-RFID product has made its footprint across the provinces and cities of mainland China, as well as in Hong Kong, Macao, Taiwan, other southeastern Asian countries, North America and Europe . Its stability, sensitivity and reliability have been the model in the industry.
The Walton Coin (WTC)
Any child chain creation needs to expend Walton Coins (WTC). As the Walton ecosystem continues to grow, an increasing number of businesses will be joining the ecosystem, as a result of which they will expend a growing amount of WTC to create all kinds of child chains. Thus, the demands for WTC will rise correspondingly.
WTC is the only token of the parent chain in the entire business ecosystem. Any cross-child-chain data transmission and asset exchange will expend WTC. Once the ecosystem has been in place, the demands from the businesses for WTC will keep expanding.
The allocation mechanism of the transaction fees (such as A coins and B coins ) expended in the important officially-released child chains will be adjusted in an innovative manner, such as those in the transaction child chain or the sales child chain which will be used in the high-frequency circulation. Most of the transaction fees (say 90%) will be allocated to the wallets of child chain book-keeping nodes, while a small proportion (say 10%) will be exchanged to WTC and allocated to the wallets of parent chain book-keeping nodes.
As mentioned in the White paper, RFID tags can also play a vital role in smart stores. Although not unique to Waltonchain here are some RFID and smart store examples..
Smart hanger function: when the customer picks up the clothes on the smart hanger, the smart hanger automatically identifies the clothing label in the hands of the customer, the touch screen displays all the information of the clothes in a timely manner and inputs the data into the background server at the same time; the analyzing software automatically counts the data and generates statistical reports of each period for managers to view.
Smart fitting room function: when the customer picks up the clothes and walks into the fitting room, the smart fitting room automatically identifies the clothing label in the hands of the customer, the touch screen displays all the information of the clothes in a timely manner and inputs the data into the background server at the same time; the analyzing software automatically counts the data and generates statistical reports of each period (houmonth) for managers to view and estimate the production plan and popular designs according to the fitting rate.
Quick check-out function: using RFID can automatically identify the target information, the receiver can read multiple tags at once within its effective working range to achieve the simultaneous identification of multiple products, thus speeding up the check-out process and improve customer satisfaction.
Quick Decisions: A customer can't decide which of 3 dresses she wants. To help her decision, she looks at the RFID data and the movement of the dress in the store. It's there that she notices dresses #1 and #2 are often taken to the fitting rooms, but from there, dress #1 outsells dress #2. Dress #3 on the other hand barely makes it to the fitting room at all. Now, she's able to refine her decision making.
RFID technology is a rapidly growing market estimated to reach $40 billion by 2025. It's a competitive market with RAIN RFID (Board of directors include Google, Impinj, AIM, Smartrac and Amazon) but don't let that discourage you.. RFID is still in its infancy in terms of implementation which means there is plenty of room for growth and competition. And let's not forget, Waltonchain also has an impressive team and something RAIN doesn't... Blockchain technology. Waltonchain has patents readily available which gives it advantages over potential competitors. You know.. I am not a writer but I tried to summarize Walton and it's potential the best I could. Even after reading this post you may not understand the probability of success. But i'll tell you this.. Finding manufacturers and retail stores in China to help launch this technology is NOT difficult at all. It would be quite the opposite, manufacturers and retail stores would be more than willing to participate considering the benefits RFID provides. It's the blockchain technology behind Waltonchains RFID chips, the ongoing research and development, the security, the intellectual property and everything in-between that makes Waltonchain valuable. Now I am not saying I think Walton will own every RFID smart-tag in existence, but I do believe Waltonchain's technology has potential to capture a good portion of the market long-term. Now remember, I am just telling you why I am holding Waltonchain and you should always research and come up with your own assessment before investing. Regards, BTC2018 Upcoming Waltonchain Events
Migration to own blockchain - End of October
Wallet released - End of October
RFID and Internet of Things:
The number and range of IoT applications that can be envisioned with RFID devices are simply tremendous. The inherent value of RFID lies in enabling “things” to report data in real time for faster, quicker, more interactive decisions both at the industrial level and — increasingly — at the consumer level. Perhaps the best-known concept, sometimes called the “killer app” for IoT, is the interconnected, automated home, where people can interact with everyday devices in their homes. This vision of the future sees appliances such as refrigerators being aware of their ‘state’, and knowing when to order and replenish groceries; electronics such as lighting, music and TV automatically tuning to individual preferences, which can be managed by presence (proximity to RF-enabled device), by time or by sensory input; access solutions, whether logical ones for Wi-Fi user authorization, or hands-free operation of doors and windows... the possibilities are truly endless. - Smartrac Group
The global radio frequency identification (RFID) technology market is estimated to reach USD 40.5 billion by 2025, according to a new report by Grand View Research, Inc.MarketWatch, May 2017
"We definitely see continued growth in retail, and unfolding to the point that it becomes as common as the barcode," - Carl Rysdon, VP of sales for Checkpoint Systems
"As good as this sounds, and as big as these numbers might appear, RFID adoption is still only scratching the surface — even when looking at retail apparel applications, where RFID tagging is perhaps achieving 1% of the total available market. Looking outside retail apparel, it’s even more obvious that RFID is still in its infancy in terms of implementation, considering the trillions of objects all around us that can be RFID-enabled." - ChainLink Research
I used the Bitcoin.com store today to buy some T-Shirts. Overall great experience, but it did not feel like using cash.
It felt like your usual online transaction with the difference that you pay with Bitcoin Cash. I think that one of the coolest things about using Bitcoin Cash is the fact that it can operate as Cash even over the internet. Technically absolutely no personal information needs to be exchanged - this needs to be leveraged better. I suggest some sort of "Cash-Checkout" option, where you only provide absolutely necessary details and nothing more, in my case that would have been shipping details. No account needed, no name, no email, no billing address. Is this possible or are there some legal ramifications to it? Also, when adding something to the Cart it redirects you to the cart instead of allowing you to continue shopping which doesn't seem like the best UX. Just my two satoshis!
Alliance Cargo Direct (ACD), a subsidiary of ANA Holdings (ALNPF), is a Japanese blockchain company that aims to optimize the global e-commerce and logistics process. And more specifically, to help overseas consumers buy authentic and high quality Japanese products more conveniently and at a lower cost. Some of the biggest challenges of today’s cross-border e-commerce are: websites are in different languages, buyers need to pay in different currencies and use different payment methods. They also need to choose different logistics service provider for shipment. ACD will provide solutions to these challenges. Firstly, they will start building this channel between China and Japan. ACD can provide one stop services such as “Multilingual Cart”, “EKKYO .NET” for online shopping, pre-clearance and international delivery. By utilizing blockchain and tokenization in the whole process, they make international e-commerce faster, safer and more reliable.
ACD Marketing Strategy In China
In 2018, retail sales in China rose 6.9% year-on-year to 38.1 trillion yuan (5.54 billion USD), online retail sales rose 24% to 9 trillion yuan (1.31 billion USD). To target the Chinese consumer market, ACD plans to focus on digital marketing channels such as using the most popular Chinese social network app #WeChat and #Weibo. With over 850 million Chinese now connected online China boasts the largest online community in the world. Chinese social network app WeChat and Weibo have been built for the ultra-consumerist society of modern China and they are perfect for online marketing, sales & branding, because this offers the best exposure, reach, influence and Return On Investment. https://preview.redd.it/92ns42t4vrb31.png?width=700&format=png&auto=webp&s=71d723a92ae641d19347471626e6c026160fa675 ACD has already built an e-commerce site for China, that is “全日空海淘” (ANA CARGO DIRECT China). “海淘” means “Buying overseas products” in Chinese. This app connects the Chinese consumers directly to the sellers of thousands of popular Japanese goods such as beauty and cosmetic products, fashion and lifestyle items, electronic gadgets, and many more.
Partnership With Bitcoin Cash
Acccording to Bitcoin.com, Roger Ver has announced a strategic partnership within the cryptocurrency space between his company and the Tokyo-based ACD Inc (funded by ANA Holdings). Based on this alliance, ACD’s token will be launched on the Bitcoin Cash network as a BCH token. As early as spring 2019, ACD will provide consumers with various services on this Bitcoin Cash Platform, including the ability to purchase authentic Japanese goods through their online store. After extensive research and testing, ACD and Bitcoin.com jointly advocate Bitcoin Cash as the cryptocurrency that offers the most benefit to both consumers and businesses across the world due to its cheap, fast, and reliable payments. The partnership will begin with ACD accepting Bitcoin Cash payments from their customers.
Benefits of the ACD Token
When Roger Ver, the CEO Bitcoin.com unveiled what he had named his big announcement, some crypto users questioned him about what it was the ADC token could do that BCH itself could not.
One Reddit user had an apt explanation saying that “the huge news is that it will be built in privacy and as a way to hedge BCH trustlessly to a stable coin — I know you guys hate them, but many merchants won’t take the risk to accept BCH themselves without being able to hedge it easily.”
In recent years, interest in crypto currency has increased rapidly. In parallel, the development of the main block chain is increasing day by day. It has also enabled us to see a number of new organizations that have the most instincts of using this impressive innovation to break multiple action plans. This creative development tends to adapt to the entire sector and goals. Although Blockchain appears to be a mechanical advance in the budget by a variety of people, it has been legitimized by many decentralized monetary standards, such as Bitcoin and Altcoins, a progressive work carried out by Deloitte, and revealed the emergence of various efforts to prevent the biological development of biological work. and looking for approaches to use. Also, given the tremendous advantages that online web-based business can increase in value by planning the blockchain progression in the biological community within these chains, this blockchain-based electronic web-based business will only be a new typical and Chimpion when. Others who lead in a block chain based online web-based business installment frame race will be easy to use in all mobs. The online internet business industry in the world continues to charge the uniform healing process and currently has Amazon, Alibaba and so on. It is a multi trillion dollar sector with enormous names. Likewise, as the owners of Amazon and Alibaba probably think are the 10 most exaggerated people on the planet, this issue is quite bright and shows how big the market is. As I said earlier, the progresschart of the blockchain progress will gradually go a long way in making the progressive stages of the operator requiring progressively evacuating and evacuating the possibility of frame distortion and confusion. The electronic internet business industry is such an effort, and in light of the lack of a crypto-online web-based job, we have seen some untouchable block chain based applications capable of doing it in a way that can be used with any creative talent stretch. Built specifically for the web-based commercial sector, Chimpion tended to replace the standard with the new Crypto-based web-based business phase. The essence of chimpion is the e-commerce platform and is developed under a special license from the corporate e-commerce company Shopping Cart elite. The platform is customized for sales nuances in crypto currency and makes it easier for any trader to use even if they only deal with fiat currency. Since 2009, Shopping Cart elite has enabled small and medium-sized businesses to sell online and offer enterprise features at small business prices. In recent years, Shopping Cart elite and its subsidiaries have worked closely with the best crypto organizations, including Bitcoin Diamond and Bitcoin Gold, and have entered the crypto currency industry. Utilizing insights from this comprehensive experience, Shopping cart elite has developed a fully functional crypto e-commerce platform. The platform is already being used by Marks Jewellers, retailers such as Mahone's Wallpaper shop and Rosetta Coffee, and BCD Bazaar as the basis for Bitcoin Diamond. https://www.chimpion.io/ https://www.chimpion.io/whitepape bounty0x username: germandivision
Payment Processing Options for Ancillary Cannabis Products There are three main options when deciding on a payment processing solution and there is a difficult choice to be made. On one side of the equation is processing fees and the other is advertising freedom. In general, US based payment processors have lower fees, but due to federal law can only offer these rates if your advertising and marketing is acceptable. Off-shore payment processors will allow you far greater freedom, but at a much higher overall cost. In this article we will go into more detail about these two main choices, as well as a host of smaller decisions you must make when setting up payment processing for an ancillary cannabis product.
Type - Fees - Advertising
Not a trace - 2.9% - 3.5% - No cannabis, no innuendo
Dual-use - 2.9% - 8% - No cannabis, innuendo ok
Complete Freedom - 6% - 12% - Cannabis ok
Processing Fees vs. Advertising Freedom Every processor is a little bit different in what they look for when disqualifying an ancillary product for payment processing. Some won’t allow green herbs to be used in pictures. Some require “for tobacco use only” to be prominently featured. Some require adult signature on package deliveries. In general, however, there are three different levels of strictness: Not a trace, dual-use, and complete freedom. Not a trace – These payment processors will bolt the second they see an innuendo related to cannabis. These companies do not deal with anything close to the cannabis industry and will deny anyone that has the slightest connection to the industry. Unfortunately, these processors usually have the lowest costs and best terms, but they are extremely difficult to get approval from as an ancillary cannabis product company. Rates are as low as 2.9%, with lower processing rates coming from increased volume. Dual-use – Payment processors with a dual-use determination are ok with accepting ancillary cannabis products, but there must be an additional use for the product beyond cannabis. Two popular categories to achieve dual use are tobacco and culinary. Be aware that many payment processors avoid tobacco accessories as well, or charge higher rates for them. This category has the most shades of grey and you may bounce between a few different processors before you find one willing to accept yours. This arrangement gives you some advertising freedom while still allowing you to take advantage of competitive payment processing rates. Dual-use can range from matching the 2.9% of the low-risk processors to fees as high as 8% in some cases. Explicit mentions of cannabis are usually not permitted, so be prepared to do some creative marketing to get your value propositions across to potential customer. Complete freedom – High risk domestic accounts and most off-shore payment processors will give you 100% control on how you advertise your product. This is the ideal solution for a product that is obviously for cannabis, or one that can not be properly advertised without mentioning cannabis. Look for payment processors that handle CBD, vaporizers, and other high-risk products. Due to the increased risk and power of the processor, these companies usually have much higher fees ranging from 6% to 12%. Complete freedom usually also comes with higher reserve holds and worse payment terms. If you plan on going this route, you should think long and hard about a way to potentially brand as a dual use product and save yourself some processing hassle. Processing Terms and Speed of Payment With such a thick legal document that you are expected to read for payment processing, one thing that is easy to overlook is the payout terms from the processor. Cashflow troubles can be magnified if a payment processor is holding a large reserve amount or takes multiple days to issue a payout. When analyzing a payment processing offer, make sure to take note of the following: Reserve hold – The reserve hold can squeeze your cashflow down to a trickle. Some payment processors will hold 5% of every transaction for up to 180 days to cover against the risk of refunds and chargebacks. Reserve holds are usually anywhere from 5% to 15% of the total sale price and is taken on top of the processing fees. Chargeback process and fee – Different processors charge different amounts when a customer issues a chargeback. Make sure your payment processor has an easy to contest chargeback process and check on what the fee is each time a customer charges back an order. These fees (on top of the refunded amounts) can quickly eat away into sales profit. Some processors will send chargebacks via mail and only accept faxes in disputes. Refund process and fee – Check to see if the processor charges you anything for refunding a payment. Most processors will not charge a fee to refund an order, but if they do the fees can quickly add up. You may also want to run a test refund to see how long the process takes on both your end as well as check in with early refund orders to see how long it usually takes your customer to receive it. Termination policy and fee – It’s best to remain flexible with your payment processing. You don’t want to become too reliant on a single processor and if a better offer comes around you want to be in position to take it. While this should not be a deal breaker if they are the best option in all of the other areas, you should be wary about getting into any agreement that is expensive to get out of. Interchange Plus vs Flat Rate Pricing – Different credit cards cost different amounts to run. Credit cards that offer rewards are the most expensive while debit cards and can be are extremely cheap. Most payment processing is offered to merchants as a flat rate, but it is possible to instead operate on an “Interchange Plus” pricing model. With interchange plus pricing your payment processing gateway charges you what the credit card companies charge them, plus a small brokerage percentage. This can get you a much lower average processing fee, especially if many of your customers use cheaper to process cards. Additional Payment Options If your product falls under dual-use and does not have any specific cannabis advertising, there are additional payment processing options that you can add on top of normal credit card processing. These solutions remove friction for many people, as they rely on profiles and payment information being on file with a third-party company. While there are many options beyond these three, these are the major players that can cover a good portion of your customer base. PayPal – The original online payment. PayPal provides solid service at a good price, but definitely comes with downsides compared to normal credit card processing. The biggest advantage is obviously the large number of people that have a PayPal account already set up. Particularly useful for international customers PayPal makes it easy for members to sign into their profile and send money to you for the goods. The largest downside in PayPal comes from the fact that they are not officially a bank. Unlike most payment processors PayPal has a wider degree of freedom to hold your funds for long time periods. Searching for PayPal complaints show that this restriction to capital puts companies in bad financial positions. If you do end up using PayPal, avoid having a large amount of your funds locked up by transferring money out of your PayPal account at the end of each day. Amazon Pay – Quickly catching PayPal in its user count and ease of use, Amazon Pay allows for your customers to checkout using their login and payment information associated with their Amazon account. Matching the fee structure of PayPal, Amazon Pay automatically transfers money into your account daily and is not subject to the long-term holds that can be imposed by PayPal. BitPay – Take advantage of the booming cryptocurrency Bitcoin by accepting it on your online store. BitPay can integrate seamlessly with many shopping cart solutions and offers the lowest processing rates that we have seen (1%). BitPay works by setting a conversion rate between Bitcoin and USD (or whichever currency you are accepting). Using this system, you are paid in the currency of your choice while your customer gets the security and convenience of being able to check out using their Bitcoin. With how fast the crypto currency space is moving we expect to see a huge movement towards payment processors that work with them. For now, BitPay seems to be the best option in terms of pricing and integration ability, but make sure to do your own research if accepting crypto currencies is something that you want to do.
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