Rules For Home Businesses Accepting Credit Cards

If you are the owner and operator of a small to medium home business who is looking to start accepting credit cards then you need to know the rules about accepting credit cards as a form of payment. Even though you may consider yourself to be in a different category compared to major retailers the rules are that even if you accept 1-2 credit card payments over the phone per year you must comply to the industry standards. Not being compliant with the industry standards set out by the PCI DSS will get into hot water so please take notice of the following information.

With so many credit card payments floating around the internet at any given time security is a concern for everyone. Credit card fraud and identity theft were becoming major concerns as so a group of five of the biggest credit card companies came together to form the PCI DSS which stands for Payment Card Industry Security Standards Council. The council was started to set up a system of security standards that each vendor accepting credit cards as a form of pay ment must comply to. This was a way of ensure the protection of the people's credit card information.

The businesses are accountable to the various credit card companies and financial institutions but it is the PCI DSS that is responsible for providing new countermeasures in protecting people from new online threats. They are just a security council that identifies weaknesses and give means of solving the problems. However you still have an obligation to be compliant with them or face the consequences.

Basically even if you only accept payments via phone you still have to be granted permission by the PCI DSS and meet their requirements to continue operations. You will first have to fill out several questionnaires and go through a vulnerability scan to identify possible threats to your operation. Your business will then be asses to see what level of classification you business will fall into.

Here is a list of The levels

●     Level 1: If you are a business that accepts over 6 million credit card payments per year. Payment can be from any means (phone,in person, online)

●     Level 2: If you are a business that accepts 1-6 million transactions per year regardless of method.

●     Level 3: Businesses with 20,000 to 1 million transactions per year

●     Level 4: Any business with fewer transactions than 20,000

Once you have satisfied the requirements of the PCI DSS you are fully operational to accept all kinds of credit card payments however you still need to make sure that all compliance standards are being met. There can be disastrous fines to companies that fall out of line ranging from $5000-$100,000 per month. This is absolutely crippling and the fine is sent your bank thereby making your bank charge you. Afterwhich your bank may decide to cut  business relations with you or may retaliate by drastically inflating your current banking fees.

Conclusion

When starting a business there are many things to consider and when it come to accepting credit cards online it will pay to be especially careful. Knowing the rules and regulations regarding being PCI DSS compliant will help you preserve your business and will pay off down the road.

Best Party Dresses available Online

Party dresses are also known as evening dresses, formal dresses or informal dresses. These dresses are worn as garments for proms, weddings, outgoing occasions, bridal showers etcetera. They are known to be available for each and every size, length and pattern. The designs may be different and the fabrics coarse, but the true outcome of a party dress for women is that it fits and flatters your body, making it the perfect excuse to flaunt and look ravishing in. Party dresses have evolved over the years. They used to be long and sweeping the floor, with a stiff skirt and short fashioned sleeves. Now they are getting shorter and more revealing with comfort taking the credit and soft skirts cascading down the legs. The ruffles, frills, tassels and ribbons are all extras in party dresses so that the overwhelming feel of wearing the dress is satisfying and worth every rupee put forward. There are international as well as Indian fashion houses and independent labels that constantly create new designs and prints to make the one-piece dress or party dress stand out amongst the crowd.

Indian fashion dresses have made a remarkable change in their designs since Indo-ethnic element, Indo-western designs have given many collaborations in order to constantly change and give party dresses an urban feel. Gone are the days of typically traditional party dresses which involved sequinned and sparkly embellishments. Dresses have changed keeping in mind the ever-widening demand of formal, informal, outgoing, seasonal and festive occasions. Women are spoilt for choice with the fabrics and materials used that include satin, velvet, silk, georgette, chiffon, cotton and many more.

Party dresses now are available in over 40 variations such as:

-       Tube/Bandeau Dresses

-       Sheath Dresses

-       Blouson Dresses

-       Tunic Dresses

-       Pencil Dresses

-       Asymmetric dresses

-       Trench Dresses

-       Bandage dresses

-       High low dresses

-       Empire waist dresses

-       Bodycon dresses

-       Skater dresses

-       Maxi/Long dresses

-       Midi dresses

-       Mini dresses

-       Kaftan dresses

-       Shirt dresses

-       Off shoulder dresses

-       Sweater dresses

-       Tie detail dresses

-       Peplum dresses

-       Backless dresses

-       Fringe detail dresses

-       Pop over dresses

-       Baby doll dresses

-       A line dresses

-       Layered dresses

-       Lace up detail dresses

-       Denim dresses

-       Dungaree dresses

-       Cape dresses

-       Fit and flare dresses

-       Shift dresses

-       Slit dresses

-       Spaghetti dresses

-       T-shirt dresses

-       Tulle dresses

-       Tuxedo dresses

-       Tweed dresses

-       Wrap dresses

Tube and Bandeau dresses are perfect for party wear since they are without straps and are extremely dressy. Worn for occasions such as parties, outgoing events and more, these dresses when paired with a cardigan or blazer can automatically change the entire look of the outfit becoming formal and for cold winters. Perfect for cocktail parties, bandeau dresses are the most popular for those glamorous evenings.

Blouson dresses is a type of maxi dress which is held together with a string by the neck or bodice, and then comes flowing down till the floor in a ruffled format. These dresses are perfect for evening brunches and cocktail parties because of their easy going and airy feel, often accepted as super casual yet trendy outfits for occasions.

Pencil dresses work like mirrors for the body structure. They hug the body, and are often sheer towards the waist and sleeves. These are gorgeously attractive and are the best picks for a cocktail party, formal event and evening party.

Go ahead and make your choice today!

Tips to create a room that gives the kids an active play and make them smart

When it comes to home decoration, every single room plays an important role in the overall process. As far as our children are concerned, they also need a special space in which to spend time and have fun playing as well as engage in educational activities that are appropriate for their age. Therefore, today we will focus on several interesting and useful tips to create a room that gives our kids an active, playful environment to spend time in every day. Let’s analyze them more in detail below.

A space for children’s’ time-out

Every child room should be decorated by considering the main principle of turning it into a playful and educational space. The same way adults need their spare time in which to engage in pleasant activities, children need their time-out to be spentin a pleasant manner as well. What better way of achieving this for them than by creating a personal space for this indoor? All you need is a good decoration plan that will include all the playful items they need to have fun with and use to learn new things. Create special spaces in the room for playing, relaxing and reading to cover all these mentioned purposes in a single room.

Use the space you have available in a smart manner

There are various creative options to consider for using the space you have available for your children’s room in a creative manner. Designing a space in which both playful activities and educational ones are enabled is the perfect way of covering the needs of your child at any given age. How about dividing the room by a partial wall? You can create the playful area on one side of the wall and the study area on the other side.

In one space, you should include your child’s favorite toys and on the other side a desk or a reading area where he / she can spend time learning new things. Find inspiration online and adopt varied patterns used to give both sides their own personality to serve the given purpose. Moreover, creative borders will help you divide the two spaces in an interesting way and make their room a pleasant space to spend time in every day.

Give your children the opportunity to build their own fortress

A child’s room should be all that your kid has envisioned it to be. It is a good idea to talk to him before starting the redecoration process so that you might gain a better understanding of his needs and requirements. After all, he will be staying there for a long time so it is a must for the child to love the space in which he spends time. It will also make the kid more enthusiastic about engaging in reading as well as playful activities because the room will become his personal fortress.

Moreover, engage in this redecoration process together. It will offer you the chance to spend quality time together and understand the way in which your child sees things better. A space in which fantasies become true is a must for children. Allow them the opportunity to be involved in its creation and follow their guidelines so that the end-results might be according to their requirements. Explain to them why something might or might not be possible to achieve in their personal space and the process will be smooth and easy going this way. 

Bring joy into their personal space

How about allowing them to have a tent in their room? It will make your child happy. You can make the tent together by using simple sheets or clothesline for example. In addition, you can also go for a wooden construction or simply choose to hang the tent with simple wires. They can use this new item in their room for playful activities as well as reading ones. This will allow you to combine the need for games with educational purposes through one simple change in the room.

Finally, add color to every chosen item in the kids’ room. Divide their space well, work together to create DIY items that will bring joy into their life and choose high-quality kids mattresses to ensure perfect rest for them all night long.