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Review the information below for assistance if you do not believe that you have done anything wrong.<div class="paragraphbreak" style="margin-top:0.5em"></div> <p>The IP address or range 8.222.128.0/17 has been <a href="/wiki/Wikipedia:Blocking_policy" title="Wikipedia:Blocking policy">blocked</a> by <a href="/wiki/User:L235" title="User:L235">‪L235‬</a> for the following reason(s): </p> <div style="padding:10px; background:var(--background-color-base, white); color:inherit; border:1px #666 solid;"> <div class="user-block colocation-webhost" style="margin-bottom: 0.5em; background-color: #ffefd5; border: 1px solid #AAA; padding: 0.7em;"> <figure class="mw-halign-left" typeof="mw:File"><span><img src="//upload.wikimedia.org/wikipedia/commons/thumb/5/53/Server-multiple.svg/40px-Server-multiple.svg.png" decoding="async" width="40" height="57" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/53/Server-multiple.svg/60px-Server-multiple.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/53/Server-multiple.svg/80px-Server-multiple.svg.png 2x" data-file-width="744" data-file-height="1052" /></span><figcaption></figcaption></figure><b>The <a href="/wiki/IP_address" title="IP address">IP address</a> that you are currently using has been blocked because it is believed to be a <a href="/wiki/Web_hosting_service" title="Web hosting service">web host provider</a> or <a href="/wiki/Colocation_centre" title="Colocation centre">colocation provider</a>.</b> To prevent abuse, <a href="/wiki/Wikipedia:Open_proxies" title="Wikipedia:Open proxies">web hosts and colocation providers may be blocked</a> from editing Wikipedia. <div style="border-top: 1px solid #AAA; clear: both">You will not be able to edit Wikipedia using a web host or colocation provider because it hides your IP address, much like a <a href="/wiki/Wikipedia:Open_proxies" title="Wikipedia:Open proxies">proxy</a> or <a href="/wiki/Virtual_private_network" title="Virtual private network">VPN</a>. <p><b>We recommend that you attempt to use another connection to edit.</b> For example, if you use a proxy or VPN to connect to the internet, turn it off when editing Wikipedia. If you edit using a mobile connection, try using a Wi-Fi connection, and vice versa. If you are using a corporate internet connection, switch to a different Wi-Fi network. If you have a Wikipedia account, please log in. </p><p>If you do not have any other way to edit Wikipedia, you will need to <a href="/wiki/Wikipedia:IP_block_exemption#Requesting_and_granting_exemption" title="Wikipedia:IP block exemption">request an IP block exemption</a>. </p> <style data-mw-deduplicate="TemplateStyles:r1214851843">.mw-parser-output .hidden-begin{box-sizing:border-box;width:100%;padding:5px;border:none;font-size:95%}.mw-parser-output .hidden-title{font-weight:bold;line-height:1.6;text-align:left}.mw-parser-output .hidden-content{text-align:left}@media all and (max-width:500px){.mw-parser-output .hidden-begin{width:auto!important;clear:none!important;float:none!important}}</style><div class="hidden-begin mw-collapsible mw-collapsed" style=""><div class="hidden-title skin-nightmode-reset-color" style="text-align:center;">How to appeal if you are confident that your connection does not use a colocation provider's IP address:</div><div class="hidden-content mw-collapsible-content" style=""> If you are confident that you are not using a web host, you may <a href="/wiki/Wikipedia:Appealing_a_block" title="Wikipedia:Appealing a block">appeal this block</a> by adding the following text on your <a href="/wiki/Help:Talk_pages" title="Help:Talk pages">talk page</a>: <code>{{<a href="/wiki/Template:Unblock" title="Template:Unblock">unblock</a>|reason=Caught by a colocation web host block but this host or IP is not a web host. My IP address is _______. <i>Place any further information here.</i> ~~~~}}</code>. <b>You must fill in the blank with your IP address for this block to be investigated.</b> Your IP address can be determined <span class="plainlinks"><b><a class="external text" href="https://en.wikipedia.org/wiki/Wikipedia:Get_my_IP_address?withJS=MediaWiki:Get-my-ip.js">here</a></b></span>. Alternatively, if you wish to keep your IP address private you can use the <a href="/wiki/Wikipedia:Unblock_Ticket_Request_System" title="Wikipedia:Unblock Ticket Request System">unblock ticket request system</a>. There are several reasons you might be editing using the IP address of a web host or colocation provider (such as if you are using VPN software or a business network); please use this method of appeal only if you think your IP address is in fact not a web host or colocation provider.</div></div> <p><span class="sysop-show" style="font-size: 85%;"><span style="border:#707070 solid 1px;background-color:#ffe0e0;padding:2px"><b>Administrators:</b></span> The <a href="/wiki/Wikipedia:IP_block_exemption" title="Wikipedia:IP block exemption">IP block exemption</a> user right should only be applied to allow users to edit using web host in exceptional circumstances, and requests should usually be directed to the functionaries team via email. If you intend to give the IPBE user right, a <a href="/wiki/Wikipedia:CheckUser" title="Wikipedia:CheckUser">CheckUser</a> needs to take a look at the account. This can be requested most easily at <a href="/wiki/Wikipedia:SPI#Quick_CheckUser_requests" class="mw-redirect" title="Wikipedia:SPI">SPI Quick Checkuser Requests</a>. <b>Unblocking</b> an IP or IP range with this template <b>is highly discouraged</b> without at least contacting the blocking administrator.</span> </p> </div></div> </div> <p>This block will expire on 18:23, 24 August 2026. Your current IP address is 8.222.208.146. </p> <div class="paragraphbreak" style="margin-top:0.5em"></div><div style="font-size: 16px;"> <p>Even when blocked, you will <i>usually</i> still be able to edit your <a href="/wiki/Special:MyTalk" title="Special:MyTalk">user talk page</a>, as well as <a href="/wiki/Wikipedia:Emailing_users" title="Wikipedia:Emailing users">email</a> administrators and other editors. </p> </div> <div class="paragraphbreak" style="margin-top:0.5em"></div><div style="font-size: 16px;"> <p>For information on how to proceed, please read the <b><a href="/wiki/Wikipedia:Appealing_a_block#Common_questions" title="Wikipedia:Appealing a block">FAQ for blocked users</a></b> and the <a href="/wiki/Wikipedia:Appealing_a_block" title="Wikipedia:Appealing a block">guideline on block appeals</a>. The <a href="/wiki/Wikipedia:Guide_to_appealing_blocks" title="Wikipedia:Guide to appealing blocks">guide to appealing blocks</a> may also be helpful. </p> </div> <p>Other useful links: <a href="/wiki/Wikipedia:Blocking_policy" title="Wikipedia:Blocking policy">Blocking policy</a> · <a href="/wiki/Help:I_have_been_blocked" title="Help:I have been blocked">Help:I have been blocked</a> </p> </div></li><li class="mw-permissionerror-globalblocking-blockedtext-range"> <div id="mw-blocked-text" style="border: 1px solid #AAA; background-color: var(--background-color-warning-subtle, ivory); color: inherit; padding: 1.5em; width: 100%; box-sizing: border-box;"> <div style="text-align: center;"><span style="font-size: 26px;"><span typeof="mw:File"><a href="/wiki/File:Stop_hand_nuvola.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/en/thumb/f/f1/Stop_hand_nuvola.svg/50px-Stop_hand_nuvola.svg.png" decoding="async" width="50" height="50" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/f/f1/Stop_hand_nuvola.svg/75px-Stop_hand_nuvola.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/f/f1/Stop_hand_nuvola.svg/100px-Stop_hand_nuvola.svg.png 2x" data-file-width="240" data-file-height="240" /></a></span><b> This IP address range has been <a href="https://meta.wikimedia.org/wiki/Global_blocks" class="extiw" title="m:Global blocks">globally blocked</a>.</b></span><br /><span style="font-size: 18px;">This does not affect your ability to <i>read</i> Wikipedia pages.</span></div><div class="paragraphbreak" style="margin-top:0.5em"></div><b>Most people who see this message have done nothing wrong.</b> Some kinds of blocks restrict editing from specific service providers or telecom companies in response to recent abuse or vandalism, and can sometimes affect other users who are unrelated to that abuse. Review the information below for assistance if you do not believe that you have done anything wrong.<div class="paragraphbreak" style="margin-top:0.5em"></div><div class="paragraphbreak" style="margin-top:0.5em"></div> <p>This block affects editing on all Wikimedia wikis. </p><p>The IP address or range 8.222.128.0/17 has been globally <a href="/wiki/Wikipedia:Blocking_policy" title="Wikipedia:Blocking policy">blocked</a> by <a href="/wiki/User:Jon_Kolbert" title="User:Jon Kolbert">‪Jon Kolbert‬</a> for the following reason(s): </p> <div style="padding:10px; background:var(--background-color-base, white); color:inherit; border:1px #666 solid;"> <p><a href="https://meta.wikimedia.org/wiki/Special:MyLanguage/NOP" class="extiw" title="m:Special:MyLanguage/NOP">Open proxy/Webhost</a>: See the <a href="https://meta.wikimedia.org/wiki/WM:OP/H" class="extiw" title="m:WM:OP/H">help page</a> if you are affected </p> </div> <p>This block will expire on 15:12, 27 August 2028. Your current IP address is 8.222.208.146. </p> <div class="paragraphbreak" style="margin-top:0.5em"></div><div style="font-size: 16px;"> <p>Even while globally blocked, you will <i>usually</i> still be able to edit pages on <a href="https://meta.wikimedia.org/wiki/" class="extiw" title="m:">Meta-Wiki</a>. </p> </div> <div class="paragraphbreak" style="margin-top:0.5em"></div><div style="font-size: 16px;"> <p>If you believe you were blocked by mistake, you can find additional information and instructions in the <a href="https://meta.wikimedia.org/wiki/Special:MyLanguage/No_open_proxies" class="extiw" title="m:Special:MyLanguage/No open proxies">No open proxies</a> global policy. Otherwise, to discuss the block please <a href="https://meta.wikimedia.org/wiki/Steward_requests/Global" class="extiw" title="m:Steward requests/Global">post a request for review on Meta-Wiki</a>. You could also send an email to the <a href="https://meta.wikimedia.org/wiki/Special:MyLanguage/Stewards" class="extiw" title="m:Special:MyLanguage/Stewards">stewards</a> <a href="https://meta.wikimedia.org/wiki/Special:MyLanguage/VRT" class="extiw" title="m:Special:MyLanguage/VRT">VRT</a> queue at <kbd>stewards@wikimedia.org</kbd> including all above details. </p> </div> <p>Other useful links: <a href="https://meta.wikimedia.org/wiki/Global_blocks" class="extiw" title="m:Global blocks">Global blocks</a> · <a href="/wiki/Help:I_have_been_blocked" title="Help:I have been blocked">Help:I have been blocked</a> </p> </div></li></ul><hr /> <div id="viewsourcetext">You can view and copy the source of this page:</div><textarea readonly="" accesskey="," id="wpTextbox1" cols="80" rows="25" style="" class="mw-editfont-monospace" lang="en" dir="ltr" name="wpTextbox1">'''Merchant Account Providers''' give businesses the ability to accept [[Debit card|debit]] and [[credit card]]s in payment for goods and services. This can be face-to-face, on the telephone, or over the internet. Credit cards have become the preferred method of payment in today's market, making a [[merchant account]] essential for most businesses. ==Overview== {{Unreferenced section|date=September 2007}} Historically credit card processing services were supplied by banks that were members of the [[Visa Inc.|Visa]] or [[MasterCard]] networks.<ref>{{Cite book |last1=Carroll |first1=Jim |url=https://books.google.com/books?id=AghLJOlpRrwC&q=%22Merchant+Account+Providers%22 |title=Selling Online: How to Become a Successful E-commerce Merchant |last2=Broadhead |first2=Rick |date=2001 |publisher=Dearborn Trade Publishing |isbn=978-0-7931-4517-1 |language=en}}</ref> Typically banks both issued credit cards and helped merchants process them, but over time the industry consolidated. Now the industry is dominated by a few large issuers – [[Elavon]], [[Citibank]], [[Capital One]], [[MBNA]] / [[Bank of America]], and [[Chase (bank)|Chase]]. Even fewer banks process credit cards. Banks found that it was not within their skillset to convince every small merchant to accept credit cards, and they began to outsource the selling of such services to small companies called ISOs (Independent Sales Organizations). They also found that massive scale helped reduce the cost of processing credit cards, so they began to outsource processing to a few processors including [[Elavon]], [[TSYS]], [[First Data]] and MSI. While some merchants buy their credit card processing services directly from a bank, more typically they get their credit card processing services from an ISO, which is responsible for selling the service to the merchant, providing technical support, processing the transaction (authorizing it and submitting it to the Visa or MasterCard network), bearing the risk of [[chargeback]](s), and setting the price of the services. If the ISO is small it might outsource some of those services (for example, providing technical support) to a larger ISO. Except for the few very largest ISOs, the ISO outsources the actual processing to a larger company that focuses solely on processing. While each of the firms discussed above provides merchant accounts and could legitimately be called the merchant account provider, in practice the phrase usually refers to whichever organization has responsibility for directly maintaining the relationship with the merchant. ==Services== ===Point of sale (POS) equipment=== [[Point of sale]] terminals, also known as EPoS ('e' signifying this is an electronic point of sale) may be portable, mobile, fixed, adapted for transactions carried out behind a glass partition, or specially adapted for [[Business-to-business electronic commerce|business-to-business]] transactions. Portable and counter top terminals are common place in restaurants and retail shops, while mobile (GPRS) terminals are more commonly used by businesses that need to take payment on the premises of the customer. ===Purchase with cashback=== [[Debit card cashback|Cashback]] allows customers to request cash from the cash register along with the transaction. This cash is debited from their account via the [[EFTPOS]] ([[Electronic money|Electronic Funds Transfer]] at Point of Sale) terminal. This service is of considerable convenience to the customer and provides benefits to the business including increased footfall, impulse buying, and increased numbers of customers due to the added convenience of cashback. ===eCommerce solutions=== Businesses that sell goods and services via the internet require secure means of conducting the transactions end to end. ===Virtual Terminal=== Cloud management of payment channels. Invoice, request payment, manage clients payment information and recurring billing cycles. ===Anti-fraud measures=== Minimizing the risk of fraud both to the client and to the client's customers. ==References== {{Reflist}} ==See also== *[[Merchant account]] *[[Credit card fraud 0|Credit card fraud]] *[[Chargeback insurance]] *[[Payment card industry]] (PCI) *[[Cardholder Information Security Program]] (CISP) [[Category:Credit]] </textarea><div class="templatesUsed"><div class="mw-templatesUsedExplanation"><p><span id="templatesused">Pages transcluded onto the current version of this page<span class="posteditwindowhelplinks"> (<a href="/wiki/Help:Transclusion" title="Help:Transclusion">help</a>)</span>:</span> </p></div><ul> <li><a href="/wiki/Template:Ambox" title="Template:Ambox">Template:Ambox</a> (<a href="/w/index.php?title=Template:Ambox&action=edit" title="Template:Ambox">view source</a>) (template editor protected)</li><li><a href="/wiki/Template:Cite_book" title="Template:Cite 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