Wednesday, July 15, 2009

Getting paid

Whether you are an affiliate (a member of a multi-level marketing scheme), an online forex or hyip investor, or you run an online store or make make money online somewhat, you need to get paid. There are several ways of getting paid but which one you choose will depend on your country of residence, and then what’s more convenient for you.

>> Getting Paid via Cheque

Good old paper cheque. This is the worst way of getting paid online even if you live in the same country as the company behind the website you’re dealing with. First there are currency issues, then postage, and then deposit into your bank account.

If you an affiliate, chances are your parent MLM company is US-based and they issue cheques denominated in US Dollars. If you’re based outside the western world, hard-luck. First, you need to wait for a few weeks for your cheque to be prepared and mailed out. Regular mailing is probably free, but the cheque could take between 1 and 3 weeks to get to you or might never get to you at all because it can get stolen or “lost-in-transit”. Sending via services like DHL, UPS or Fedex could attract an additional fee of about $30 but you’d get the cheque in about a week.

So you got the cheque? Now what? You need to deposit it into your bank account. Your local bank would usually require that you have a US dollar denominated account to be able to deposit such cheques and you need to wait for between 3 and 6 weeks for the cheque to clear! What your bank actually does is to send the cheque back to the USA and clear it through their corresponding bank. This takes time. Now wait for the worst part: your bank will charge you a fee, for clearing the cheque.

Way out?
There are other means of receiving payments online. Here are several forms of ecurrencies. There are digital gold currencies like e-gold, e-bullion, pecunix, c-gold, Liberty Reserve, GoldMoney etc. There are also many others not backed by gold, that are usually referring to as ewallets. Popular ones include: PayPal, Moneybookers, Alertpay etc.

>> Getting Paid via PayPal

This is the number one choice for most, in making payment online. And why not? Currently, PayPal operates in 190 markets, and it manages over 164 million accounts. PayPal operates locally in 14 countries. My point is, there is no other internet payment system with a wider global reach than PayPal. allows customers to send, receive, and hold funds in 17 currencies worldwide. These currencies are the U.S. dollar, Canadian dollar, Australian dollar, Euro, Pound sterling, Japanese yen, Chinese renminbi, Czech Koruna, Danish krone, Hong Kong dollar, Hungarian forint, New Zealand dollar, Norwegian krone, Polish zloty, Singapore dollar, Swedish krona, and Swiss franc.

Some merits of getting paid via PayPal:

  • global reach
  • multiple currencies
  • accepted by several merchants online
  • multiple withdrawal methods: bank account, visa cards, PayPal debit cards (US only), cheque.
  • receive money for free: some companies have special arrangements with PayPal that allows them to send payment to their members for free irrespective of whether the recipient’s PayPal account is Business, Premier or Personal.
  • high security: this is quite controversial but I consider PayPal very secure. Your money is safe with PayPal as they have several measures that trigger red-flags whenever fraud is suspected.


Ada beberapa cara untuk mendapatkan bayaran dalam bisnis online.

>>Pembayaran via Cek

Kamu pastilah sudah mengetahui bahwa biasanya mereka mengeluarkan cek US dollars untuk membayar. Tentunya ada masalah-masalah yang terjadi, seperti: selama beberapa minggu kamu perlu menunggu cek kamu disiapkan untuk kemudian dikirim. Milis biasa memang gratis tapi butuh waktu 1-3bulan untuk sampai kerumah kamu. Ada pula pengiriman melalui layanan seperti DHL, UPS atau Fedex dimana cek bisa cepat sampai kerumah kamu dalam waktu sekitar 1-2 minggu tapi tentunya dengan biaya tambahan sekitar $30.
Ok. katakan kamu sudah mendapatkan cek tersebut. Sekarang apa? Kamu perlu mencairkan ke rekening bank kamu. dan proses itu biasanya membutuhkan tambahan biaya dan waktu yang cukup lama. Jalan keluarnya? Ada cara lain untuk menerima pembayaran secara online. Berikut adalah beberapa bentuk eurrencies. Ada digital gold currencies seperti e-gold, e-bullion, Pecunix, c-gold, Liberty Reserve, dll. Namun adapula yang berupa e-wallets seperti PayPal, Moneybookers, Alertpay dll.

>> Pembayaran via PayPal

PayPal adalah salah satu alat pembayaran (Payment procesors) menggunakan internet yang terbanyak digunakan didunia dan teraman. Pengguna internet dapat membeli barang di ebay, lisensi software original, keanggotaan situs, urusan bisnis, mengirim dan menerima donasi/sumbangan, mengirim uang ke pengguna PayPal lain di seluruh dunia dan banyak fungsi lainnya dengan mudah dan otomatis menggunakan internet, PayPal mengatasi kekurangan dalam pengiriman uang tradisional seperti Cek atau Money order yang prosesnya dapat memakan waktu PayPal seperti rekening bank, pertama anda membuat account, lalu mengisi account tersebut dengan dana dari kartu kredit atau transferan dana dari account PayPal orang lain ke balance PayPal anda, dan anda sudah dapat menggunakan account PayPal untuk bertransaksi.
Februari 2008 PayPal sudah menerima 190 negara dan 16 mata uang, pengguna PayPal Indonesia masih harus menggunakan hitungan US dollar karena rupiah belum ada di PayPal.

Sign up for PayPal and start accepting credit card payments instantly.

thx to david ajao

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