The single euro payments area (SEPA) harmonizes the way cashless euro payments are made across Europe. It allows European consumers, businesses, and public administrations to make and receive the following types of transactions under the same basic conditions (credit transfers, direct debit payments, card payments). This makes all cross-border electronic payments in euro as easy as domestic payments. SEPA covers the whole of the EU. It also applies to payments in euros in other European countries: Iceland, Norway, Switzerland, Liechtenstein, Monaco and San Marino.
Starting with Wix's ADI (artificial design intelligence) tool, some of the site builders now offer a tool that lets you enter social accounts and other personal or business info, and presto bingo, they get you a no-work website. Jimdo and Simvoly now offer similar if somewhat less ambitious tools. Wix's ADI even impressed a professional designer acquaintance of ours with results we saw in testing, mostly using images and information it scraped from her LinkedIn account.
A merchant must work with an acquiring bank to apply for and receive a merchant account – an account that allows the merchant to accept credit and debit cards – to be able to start selling and receiving payments from shoppers. You’re probably wondering what an acquiring bank is – well, it’s a bank or financial institution that is a registered member of a card network, such as Visa or MasterCard, and accepts (or acquires) transactions for merchants, on behalf of the debit and credit card networks. We’ll cover this in more detail later in this blog post.
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