Q: How can Haggar
Consulting Corp. help me?
A: HCC can provide
consulting services, software development, or
pre-packaged software that's ready to go to help your
internet business successful. HCC has the
experience, expertise, and know-how to help improve your
bottom line, and that's the "bottom line"!
Q: Which product is
better suited for my needs? ICCard or CardGate?
A: That depends on
your needs. ICCard is a payment processing engine
with recurring billing features and membership
management capabilities. CardGate is the ideal
tool for integrating a shopping cart or simple payment
form on your web site. Both products
satisfy individual specifics of the markets they
address. Please contact us and we will discuss
your requirements to determine exactly which features
best satisfy your needs.
Q: I use an existing
internet gateway, like AuthorizeNet or VeriSign.
What is the advantage of CardGate?
A: The main advantage
is overall costs. You are probably paying for gateway
services on a per-transaction basis with a monthly
charge. As your volume increases, these charges
can easily grow expensive. CardGate eliminates the
need for paying these charges, because you will be
connecting directly with the bank's processing center.
You can even allow other merchants to use your CardGate
and charge them for the gateway services, making your
CardGate purchase even more profitable to you by
increasing revenue rather than just reducing costs!
Q: I have been using a
third-party billing company like iBill. What is
the advantage of using ICCard instead?
A: With a service like
iBill, you are paying them for just that... a service.
When your volume of transactions grows, it becomes cost-justifyable
to perform these services yourself in-house, rather than
outsource them. Companies like iBill charge a high
percentage and reserve to process your transactions.
They fund your account on a weekly basis. If you
use ICCard, you can use your own merchant account (at a
significant savings in the percentages you will pay),
and your funds will be depositied on a daily basis.
The reserves held by the bank will also be less than
those charged by a third-party billing company.
You will get full control over your customers, because
they will be YOUR customers. With a third-party
billing company, your customers are not really YOUR
customers, they are iBill's customers (iBill controls
the data). ICCard gives YOU complete control over
your data and your customer base. You can then
provide better and more informed customer support
services, because the customers will be contacting you
directly, rather than first contacting iBill.
Q: What are the
disadvantages to performing my own billing using ICCard?
A: You must obtain a
merchant account, and you must provide the customer
support yourself. Third party billing companies
provide the customer support as part of their service,
but that's also part of the high fees they charge.
Thus, you are already paying for customer support and
the merchant account as a higher percentage of your
transaction fees. When you get your own account
and use ICCard, you have much better control over the
servicing of your customers, and can often do a better
job of retaining your repeat consumers. So, the
disadvantage is that using ICCard requires you to
perform customer service yourself, but as we see, this
is really an advantage to your bottom-line. The
ICCard graphical interface is designed to be so easy to
use that training is almost non-existant and a clerical
person of any skill level can use ICCard's support
features effectively.
If you have any other
questions, please feel free to contact us directly.
We will be happy to answer them for you!
