Intellivative Payment Solutions without Borders

Intellivative, Inc. is pleased to announce that the Intellivative Merchant Portal now allows merchants to submit paper checks to the banking system electronically via Check 21.

What is Check 21?

Check 21 is a federal law that is designed to enable banks to handle more checks electronically. Using Check 21, merchants send scanned images of paper checks electronically to the bank.

Banks can then handle these checks electronically, which makes check processing easier, faster and more efficient.

Why use Check 21?

Before Check 21, merchants had to physically take paper checks to the bank for deposit. Banks then were required to manually process the paper checks with the banks and credit unions that the checks were drawn upon. This process is clearly inefficient and costly. By using Check 21, banks can process the payment faster and more efficiently, enabling the merchant to get paid faster. Merchants also save trips to the bank to deposit paper checks.

How does it work?

The merchant uses a check scanner, which scans and captures the entire image of the check. Intellivative submits these images electronically with the transaction information to the bank. The merchant’s bank can transmit this information electronically to the customer’s bank. If a receiving bank or its customer requires a paper check, the bank can use the electronic picture and payment information to create a paper “substitute check.” Using ‘Check 21’ electronic check conversion, the transaction is processed within 24 business hours.

Which check scanner(s) are supported?

The RDM 7000i is the check scanner that is compatible and is currently being used with the Intellivative Merchant Portal to capture the check images. Other check scanners may be integrated in the future. The RDM 7000i is available for resale from Intellivative.

If you sign up for a merchant account with Intellivative that includes ACH check services, we will provide a check scanner at no cost.

Is it difficult for merchants to set up the check scanner?

It is not difficult to set up the check scanner to work with the Intellivative Merchant Portal, but for those occasions where a problem is experienced, we prepared the Installation and Setup Guide, complete with step-by-step instructions, pictures and screenshots, to help the merchant install the software drivers and get the check scanner device working properly with the Intellivative Merchant Portal.

Contact us for further information or to get set up for the check 21 service.

We like to see businesses flourish and grow, so when we run across some good tidbits out there to help merchants, we want to share them with you entrepeneurs:

Tips for Business Success

• 5 Ways to Get Paid Faster from Business Brickyard: Getting paid for the work you do is sometimes half the battle–it can mean the difference between a successful business and a struggling one. Here are some simple tips for helping make sure those payments keep rolling in.
• Transform Negative Reactions into Opportunities from Entrepeneur: Transforming negativity into opportunities is difficult. When you see someone saying something bad about your company, whether it’s on a customer service call, a blog post, or a tweet on Twitter, do you get defensive? Instead, try to take a step back and look for the nugget of truth that’s embedded–view that as an opportunity for your company, a free idea, a challenge to do better. This article has some very good advice for entrepeneurs to turn lemons into lemonade.
• 25 Common Characteristics of Successful Entrepreneurs: another goodie from Entrepeneur. While it’s clearly speaking to the small business owner, I think this list is relevant to all business owners, both big and small. Love what you do, Take it seriously, Plan, Manage Money, Ask for the Sale–some (maybe all?) of these you probably know already, but nice reminders to help you stay focused through tough ecomonic times.
• 78 Ways for Your Small Business to Save Money in this Economy from InsideCRM: We’re all looking for ways to cut corners in these erratic financial times.

We’ve noticed that pages on our web site have been loading rather slowly, and it’s been a point of contention at Intellivative on why our site is running sooooo sloooow. So we decided to do a test to determine whether the slowness was caused by the site design or the hosting company. We discovered that the load time varies a LOT depending on the hosting company. We are in the process now of determining which host we’re going to go with, but we thought the results of our comparison tests might be useful to some of you who are trying to decide on a hosting company for your own web sites.

To all of you who have experienced slow load times on our web site, we apologize. We are working to move to a faster hosting company as quickly as possible. Also, although we currently hire a hosting company for our web sites, we do our own hosting for our transaction processing and carefully monitor performance to ensure a high service level. We are considering doing the same for the company web site, but for a little while anyway, we’ll still be using a shared hosting company.

A side by side comparison of web site hosting companies

So how do you go about comparing web hosting companies? It’s hard to distinguish between them by looking at their web sites–they all promise so much. How do you know if one host will be faster or slower than this other one? Reading reviews is helpful, but for us it wasn’t enough. We’d already read a lot of reviews and selected our current host based on someone’s recommendations, and look where THAT got us.

The need for speed

For us, web page load time across the entire site was really important. Also, we use Wordpress for intellivative.com, so of course the site had to support Wordpress, MySQL, and PHP. We’re also concerned about uptime and support, but really, speed is so critical. On the web if your site doesn’t respond within a few seconds, your visitors very likely have lost patience and moved onto somewhere else. Our test focused on page load time. How do you know how quickly your pages will load on any host? The only way we know of was to test it by hosting the same design and content on several different hosts and measuring page load time.

Test #1: Bluehost vs. SimpleHelix and FatCow

The test:

• We loaded our Intellivative Wordpress theme and imported the site content on all three hosts.
• Using the Full Page Test at http://tools.pingdom.com/, we tested the page load time for 7 different pages with three trials on each page.
• We did two runs of the same test: one on Monday, July 13 from 10:30 – 11:30 and then again the same day from 11:30 – 12:00

The results:

• Of these three hosting companies, SimpleHelix was hands down the fastest, but Bluehost performed well, too.
• The graph shows the percentage of pages that loaded in less than X seconds, so the higher the bar at the earlier times (2 sec, 3 sec), the faster the host is serving pages.
  • SimpleHelix was the only hosting company that loaded any pages in less than 2 seconds, and it loaded over 50% of the pages in less than 3 seconds. Almost 80% of the pages were loaded in less than 5 seconds.
  • Bluehost loaded only a small number of pages in less than 3 seconds, but it did load over 50% of the pages in less than 4 seconds, and almost 80% of the pages in less than 5 seconds.
  • FatCow is very slow serving this particular web site–loading only 30% of the pages in less than 9 seconds. Nine seconds is a long time to wait for a page to load on the web–and FatCow’s average page load time was almost 10 seconds.

Test #2: GoDaddy, JustHost, WestHost, and FatCow

My boss wanted us to look at some other hosts that he’d heard are good, so we did a second test with three other hosting companies. Unfortunately, we couldn’t include Bluehost and Simplehelix in this test because we’d already taken down the sites, so this test compared GoDaddy, JustHost, WestHost, and FatCow. The test:

• First, we had to sign up for a hosting account with each of these hosts.
• Again, we loaded our Intellivative Wordpress theme and imported the site content on all three hosts.
• Using the Full Page Test at http://tools.pingdom.com/, we tested the page load time for 10 different pages with three trials on each page.
• We did two runs of the same test: one on Monday, July 20 from 10:00 – 11:00 and then again the same day from 11:45 – 12:45 central standard time.

The results:

• GoDaddy and JustHost were both pretty fast, but JustHost performed a little better.
• Note that JustHost loaded over 70% of the pages in less than 3 seconds, and over 90% in less than 6 seconds.
• GoDaddy loaded 30% of the pages in less than 3 seconds, and almost 90% in less than 6 seconds.
• WestHost didn’t do so well on this test–only 30% of the pages were loaded in less than 6 seconds, but they did load over 70% of the pages in less than 9 seconds.
• FatCow did not fare well in this test either, which is consistent with the results we saw in the earlier test. They only managed to serve 40% of the pages in less than 9 seconds–the rest were loaded slower than that.

Your results may vary

If we ran these tests again on another day, we would get different numbers. The numbers here aren’t absolute—a lot of factors come into play when you’re talking about the speed of web pages. The same hosting companies might fare differently with a different site—or on a different day. Hosting companies generally have several servers and some servers may perform better than others for specific technologies.  The time of day and the day of the week that the tests are done also makes a difference because there’s more traffic on the servers at certain times of the day/week.
We did these tests to compare Wordpress hosting companies for our web site—we’re using it to give us a general idea of how quickly OUR web site might run on each of these hosts. We purposely chose a variety of pages on our site and included the main blog page (which shows several posts) as well as a category, a blog post, and several other pages on the site.
If your web site uses different technology or content management—or even if you’re running a Wordpress site, your site will probably experience different results. FatCow and WestHost might perform very well on some other web sites–we don’t know. But we discovered (a little belatedly) that those two hosting companies probably aren’t the best choices for our Intellivative web site.
If you’re looking for a hosting company, you may want to run your own test rather than using our results. If you do a comparison test, why don’t you drop us a line and let us know how your testing turned out? We’d love to hear it.

I see a lot of fantastically innovative applications out there, where creative developers take APIs and make all kinds of new functionality with them.  A stop by ProgrammableWeb shows so many great ideas–every day there are new web applications (or “mashups”) built by simply combining two or more APIs in a new, sometimes unexpected way.

Well, we’re wondering what people might do with the Intellivative Payments API. The goal of our payments API is to simplify adding payment functions (e.g., credit card, debit card, echeck transactions; recurring payments; card on file) to business applications–making it easier to integrate payments into whatever it is you might want to build.

So what WOULD you get if you crossed a payments API with a:

• billing API, an e-mail service, and an SMS messaging service?
• travel service and a map?
• claims processing system?
• movie?
• retail store, SMS messaging service and shipping API(s)?
• Twitter?

Perhaps none of these are groundbreaking ideas–some of them I’m sure have already been done. But maybe you have a business idea that hasn’t been done, or maybe a way to do something that has been done, only better. Or perhaps you have a new twist on an old business idea? Whatever it is, we’d like to hear it.

Are you a developer? Would you like us to feature your work on our blog? Tell us–What would you build with the Intellivative Payments API?  We’d love to tell your story.

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