Join a few Facebook and/or LinkedIn Groups about your course topic or about a related topic that your target market is interested in. Pay attention to the questions that members are asking in these groups. If someone is publicly asking for feedback or help with a specific problem, you can bet that other people in your target market have that problem as well.
Interchange refers to the clearing and settlement of records between payment system participants. The term can also be used to describe the fees or transfer pricing between issuers and acquirers. Participating acquirers and issuers pay or receive interchange each time a credit or debit card is used. For example, banks pay interchange for card-based transactions. This fee tends to be paid by the acquiring bank or the merchant’s bank, to the consumer’s banks or the issuing bank.
When it comes to server operating systems, Linux is typically the default option. Still, some services offer a choice of Linux or Windows hosting. If you have specific server-side applications that require Windows, such as SQL Server or a custom application written in .NET, then you need to make sure your web host has Windows hosting. But don't let the idea of a Linux host intimidate you. Nowadays, most web hosts offer a graphical interface or a control panel to simplify server administration and website management. Instead of typing at the command line, you'll click easily identifiable icons.
If you're planning on selling a product, look for a web host that offers a Secure Sockets Layer (SSL) certificate, because it encrypts the data between the customer's browser and web host to safeguard purchasing information. You're probably familiar with SSL; it's the green padlock that appears in your web browser's address bar as you visit an online financial institution or retail outlet. A few companies toss in a SSL certificate free of charge; others may charge you roughly $100 per year for that extra security layer.
Acquirers/Acquiring banks are registered members of a card network, such as MasterCard or Visa, and accept (or acquire) transactions on behalf of those debit and credit card networks, for a merchant. The card network connects acquiring banks to issuing banks so that a customer transaction can be verified. Whenever a cardholder uses a debit or credit card for a purchase, the acquiring bank will either approve or decline the transactions based on the information the card network and issuing bank have on record about that card holder’s account.
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In the last few years, these schemes have also partnered with other issuers and acquirers to ensure issuance and acceptance of their card brand. These schemes could be seen as ‘premium’ card schemes as they tend to have strong cardholder focus and to provide additional privileges for cardholders. Merchants are often charged a relatively high merchant commission rate.
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