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These are new product announcements from my main website (Open 24/7/365). We have a life-time warranty / guarantee on all products. (Includes parts and labor). Here you will find a variety of cutting-edge Surveillance and Security-Related products and services. (Buy/Rent/Layaway) Post your own comments and concerns related to the specific products or services mentioned or on surveillance, security, privacy, etc.

Sunday, February 24, 2013

Dwolla: A New and Revolutionary Way to Pay and Be Paid! Say Good-by To Visa, American Express, Paypal And Mastercard

















A New and Revolutionary Way to Pay and Be Paid!
Say Good-By To Paypal and Credit Card Companies!






Dwolla, a startup in the online payments markets, announced three new services Friday that it hopes will accelerate both merchant and consumer acceptance of Dwolla transactions, one of the big barriers that all payment startups -- and frankly, anyone offering anything other than credit cards or cash -- face; and that includes mobile wallets.


The three new services include a Dwolla guest checkout service, where customers can pay without having a Dwolla account and Dwolla Price, where merchants, thanks to the money they'll save on credit card fees, can choose to pass some of that saving back to customers as a way to entice them to use the Dwolla service -- in other words, the merchant and the customer save. It also introduced new point-of-sale system integrations (Dwolla's new partners include ShopKeep and Change) that let the merchant initiate a payment using a push notification to the customer's phone.

But maybe it makes sense to provide a little more context about Dwolla. As it happens, we just had Dwolla's CEO Ben Milne on InformationWeek's Valley View, a monthly, live Web TV show on Wednesday (the video from that segment is embedded further below).





What is a Dwolla?

Little Dwolla, barely two years old, with all of about 40 employees in the technology hotbed of Iowa, has big intentions. It has created a modern payment network, and it aims to change how money moves and to upset what Dwolla CEO Ben Milne thinks is a costly, inefficient, fraud-riddled payments model.

Dwolla has largely been viewed as a PayPal competitor, or a mobile wallet, the de facto ways to facilitate peer-to-peer payments, or consumer-to-merchant payments. But Milne says that these systems are merely building on top of the existing credit card network, and thus simply add to the cost of maintaining those networks. Companies like PayPal, Stripe and Square may aggregate, or process transactions on behalf of all of the traditional components of the payment ecosystem, but each step still extracts its fee on every dollar the network settles, says Jordan Lampe, who heads up communications for Dwolla.



Instead, Dwolla is the network. The company's APIs expose the Dwolla infrastructure for banks, merchants and others to move money, arguably more cheaply and efficiently.

While the early focus in mobile and online commerce has been the typical customer-merchant transaction, Milne says the barrier to entry there is high. Not only must the customer want to use Dwolla, rather than a credit or debit card or cash, the merchant has to accept Dwolla as an option. Dwolla has built several easy ways for merchants to offer Dwolla payments through a kiosk, online, via e-commerce shopping cart extensions, through a merchant mobile app or even on some point-of-sale systems. But it is slow going. And to some extent, this is where the aforementioned three new services come into play. Even though the barriers to entry may be high, it doesn't mean Dwolla is giving up the fight; it's just arming itself for a long battle. In particular, the new Guest Checkout, which lets a consumer pay online with Dwolla, even without having a Dwolla account, is part of Dwolla's quest to create what the "ideal transaction." As Lampe puts it, Dwolla realized "we were our own paint point." Whether a consumer uses a credit card or a mobile or online payment application, there's still this notion of belonging to a membership club. Dwolla wants consumers to have the choice of not being in the club.

The new Dwolla Price feature is a way to reinforce the savings of using a new payments network that doesn't have multiple hands out, grabbing fractions of hard-earned dollars.

So far Dwolla has found more success in niche applications, like small businesses paying each other for ad-hoc needs or making wire transfers. It has also found success through partnerships, like with mFoundry, a mobile service provider with more than 800 bank clients who use (and provide customers) services like mobile deposit, loyalty programs and mobile bill pay ... and now a secure online payment network with lower fees and instant clearance.

Milne claims that Dwolla is more secure because it doesn't involve exchanging a relatively identifiable 16-digit number and expiration date. No personal or account data changes hands during a transaction. The user just has to be logged into the app, where they can select the merchant, and then pay. Simple. (Person to person payments can even be initiated using social applications like Facebook.)

There are merchants in all 50 states, Milne says, and those merchants are exposed to the Dwolla app (and thus, the consumer) using location. Dwolla transactions over $10 cost the merchant a 25-cent fee (PayPal's published, non-discounted merchant rate is 2.9% plus a 30-cent transaction fee)

Dwolla's aspirations don't stop there. The company has created FiSync, which provides real-time transfers for financial institutions. In other words, Dwolla aims to replace the automated clearing house (ACH), a 40-year-old network Dwolla claims is also riddled with fraud and inefficiency.

Milne admits that Dwolla has a long way to go. FiSync launched with a single, Iowa-based credit union. But Milne also says the market (defined as the money moving through ACH) is $34 trillion annually.



Milne sells an idea so simple, yet so mind-boggling: Use the Internet to move money quickly, safely and at as low a cost as possible.
The result could transform banking and business, saving money and reducing fraud. Simply put, it means changing the world. And he thinks he can do it from Des Moines.
If Dwolla thrives, its success promises to lead to more startups, more investments, more jobs and more wealth for Iowa. But first he has to overcome the skeptics, who question how Dwolla will ever make money, let alone move billions of it.
Dwolla needs to sign up more users, merchants, websites and financial institutions. It makes 25 cents for every transaction over $10. That means it needs to handle millions and millions of transactions before it can make a profit. Milne also must find enough talent and funding to reach widespread usage.
So Dwolla strives to be everywhere. An Iowa school district takes lunch money through Dwolla. Church members can tithe through the network. Without knowing it, you may be using an e-commerce site that uses Dwolla. And the state of Iowa is exploring using Dwolla to accept payments.

The man thinks big.




Additional Resources:


What is BitCoin and How Does It Work?


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NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

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Our New Layaway Plan Adds Convenience For Online Shoppers








DPL-Surveillance-Equipment's layaway plan makes it easy for you to buy the products and services that you want by paying for them through manageable monthly payments that you set. Our intuitive calculator allows you to break down your order's purchase price into smaller payment amounts. Payments can be automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment® Services and you will receive your order once it's paid in full. Use it to plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!


DPL-Surveillance-Equipment's Customers can now use the convenience of layaway online to help them get through these tough economic times.

We all shop now and then just to face a hard reality -- big credit card bills. However, our latest financing innovation can help you avoid that. Find out why more and more shoppers are checking out DPL-Surveillance-Equipment's e-layaway plan.

If you're drooling over a new nanny camera, longing for a GPS tracker, or wishing for that spy watch, but you're strapped for cash and can't afford to do credit, do what Jennie Kheen did. She bought her iPod docking station (hidden camera w/motion-activated DVR) online using our convenient lay-away plan.

Our online layaway plan works like the old-fashioned service stores used to offer. But, in Kheen's case, she went to DPL-Surveillance-Equipment.com, found the iPod docking station (hidden camera w/motion-activated DVR), then set up a payment plan.

"It's automatically drawn from my account," she said. "I have a budget, $208.00 a month.

In three months, Kheen had paid off the $650.00 iPod docking station. She paid another 3.9 percent service fee, which amounted to about $25.35 (plus $12.00 for shipping) for a total of $687.35.

"You pay a little bit each month," Kheen said. "It's paid off when you get it and you don't have it lingering over your head. It's great."

Flexible payment terms and automated payments make our layaway plan an affordable and fiscally responsible alternative to credit cards.

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* If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, our e-layaway is the smart choice for you.

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* Similar to traditional layaway, e-layaway lets you make regular payments towards merchandise, with delivery upon payment in full. Payments are automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment®

A Tool for Planning Ahead:

* Our e-layaway makes it easy for smart shoppers like you to plan ahead and buy items such as bug detectors, nanny cameras, audio bugs, gps trackers, and more!

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DPL-Surveillance-Equipment has partnered with trusted experts like McAfee and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into our e-layaway system to prevent fraudulent purchases.

Note: Simply Choose e-Lay-Away as a "Payment Option" in The Shopping Cart



DPL-Surveillance-Equipment.com is a world leader in providing surveillance and security products and services to Government, Law Enforcement, Private Investigators, small and large companies worldwide. We have one of the largest varieties of state-of-the-art surveillance and counter-surveillance equipment including Personal Protection and Bug Detection Products.



Buy, rent or lease the same state-of-the-art surveillance and security equipment Detectives, PI's, the CIA and FBI use. Take back control!



DPL-Surveillance-Equipment.com

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