Ways Using BIN Checker Will Benefit Online Businesses

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BIN checker also known as IIN checker is useful software which every online business that accepts payment or make payment with credit cards, debit cards, gift cards and prepaid cards should use to verify transaction authenticity before approving orders. This software is now growing in popularity among online businesses as a lot of businesses are today using it to verify transactions and payments. If you are yet to start using this software, it is advisable that you begin now to use it because it will give you a lot of benefits and an edge over another business that is not using it. Below are some of the various ways the use of the card will benefit you.

Reducing charge back

The doing of business on the internet is quite competitive and also very much lucrative. Many consumers now prefer to make purchases through the internet. So, businesses that operate online are likely going to make more sales and profits. However, despite the numerous benefits of online business, it has some disadvantages which include increase in credit card fraud. Credit card fraud indirectly affects online business. A good number of them run losses because they are slammed with chargeback for unauthorized transactions. By using BIN checker, they will be able to reduce the possibility of credit card fraud and possible chargeback that follows it.

BIN checker helps online merchants to obtain useful information about the card and the cardholder. The BIN is the first 6 letters of every plastic card. They are like the DNA of the card. With the card, you will be able to know the type of card being used, the brand, the country where it is issued in, the issuer of the card, the address of the card owner and others relevant information about the card. If you obtain these pieces of information, you can match them with the information provided by customer that is paying with the card. Any discrepancies between the two should put you at alert. It calls for thorough investigation and more carefulness before transactions are approved. It may be a good ground to decline order.

Charging rightly

Some transactions outside your business location may require additional charges to cover up for the shipping cost. Using binlist checker will help you to find out customers from locations that attract shipping fees or added charges. Once you run the card details through your software, you will be able to determine where the order is going exactly. Smart shoppers will not deceive you. In this way, your business will not be running any risk unnecessarily. In other words, it is good software that will help businesses to ensure export compliance. You can also set up an automated arrangement with it.

Reduction of consumer data entry error

Some consumers sometimes unintentionally give wrong account or credit card details. With BIN checker, online businesses will be able to discover such errors and call the attention of the customers in question to correct them. Put differently, it is an effective tool for inline validation.

Types of Credit Cards

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Credit cards are available in different types. Here are the commonest types of credit cards.

Standard credit cards: Issued to any person above 18 years of age, this is a kind of general purpose cards with revolving credit lines. Individuals seeking for this type of credit cards are only required to meet the requirements determined by the issuer. No minimum credit card is required.

Reward cards: It is a type of credit card that comes with added perks such as discounts, points or even cash. However, because of these perks, there may be restrictions, limitations and complex rules on this card. It is available in different kinds depending on the perks offered.

Secured credit cards: It is a kind of pay-as-you-go credit cards in which the users are charged annual fees and interest rates. Holders of this type of card are required to deposit certain amount of money when the account is opened. It is the amount deposited that determines the credit line which is normally about 50 to 100% of total deposit made. Some issuers give holders the option of switching to standard credit card or any other suitable kind of card.

Specialty credit cards: These are kinds of credit cards that are offered through affiliations, service providers, major brand retailers and partnerships.

Reasons Why You Should Use PHPMailer to Send Emails

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Launched in 2001, PHPMailer has become a well-known open source PHP library used by PHP professionals to send emails programmatically. Since it was introduced, many PHP developers prefer using PHPMailer to PHP mail () function while sending emails. In certain instances, it can be utilized as alternative to PHP’s mail but in some other cases, it is the only option for mailer inbox php. There are many reasons why it has become the favorite of many PHP developers. Though PHP built-in function can send emails but it will require you to go through the complicated process of constructing one. A lot of technicalities are also involved. With PHPMailer, you will avoid this complication. Here are some of the reasons why they use it as a better option for email transportation instead of using PHP’mail () function.

In the first instance, it provides a better interface which is object oriented. On the contrary, the interface provided by PHP mail () function is not object oriented. While using PHP mail built-in function to send emails, PHP developers do not like to make $headers strings due to the fact that they need many escaping. However, this can easily be achieved with PHPMailer. Besides, sending of HTML based emails and attachments with mail () function will require developers to write complicated code (formatting, encoding and escaping characters). But achieving the same becomes a breeze when carried out with PHPMailer.

PHP developers that have authentication are able to send out emails using a non-local mail server (SMTP). But this is not the case with mail () function which will require them to transport emails using a local mail server. In addition to this, different types of error messages can be printed with PHPMailer in over 40 languages when there is failure delivery of emails. Another reason why PHPMailer is preferred by many PHP experts is that with it, emails can be sent by POP-before-SMTP verification. Put differently, you are able to use SMPT to send and use POP for authentication. But unfortunately, PHPMailer can only send email as POP3 protocol cannot be used with it to retrieve emails.

Another good reason why PHP developers should use PHPMailer rather than PHP mail () function is that the former is regularly updated and secured by a very active community of developers. Apart from this, alternative plaintext version of email can be sent to non-HTML emails clients with PHPMailer which can also be used for authentication over SSL and TLS. It also supports integrated SMTP protocol. Well known PHP content management systems such as Joomla, Drupal and WordPress are also utilizing PHPMailer.

Sending of emails are inevitable for PHP developer. But using PHP mail () function or other third party services is not always an option. So, you can fall back on PHPMailers or any other alternative like Swiftmailer and Zend Mail. The good thing about it is that it supports a number of means through which emails can be sent such as direct to SMTP servers, qmail, sendmail and other can also be utilised. Any SMTP-based email features, CC, BCC, multiple recipients via to etc. The truth is that PHPMailer is an efficient means of sending emails within PHP.