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	<title>Comments on: Realita Banking dan Payment Gateway</title>
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	<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/</link>
	<description>Slashing Web &#38; Online Strategy</description>
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		<item>
		<title>By: Leontinus</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11974</link>
		<dc:creator>Leontinus</dc:creator>
		<pubDate>Tue, 29 Sep 2009 11:30:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11974</guid>
		<description>Karena itu tokopedia.com tidak menggunakan kartu kredit. Kami masih menggunakan tenaga kerja untuk secara manual memeriksa transaksi keuangan.</description>
		<content:encoded><![CDATA[<p>Karena itu tokopedia.com tidak menggunakan kartu kredit. Kami masih menggunakan tenaga kerja untuk secara manual memeriksa transaksi keuangan.</p>
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	<item>
		<title>By: Natali Ardianto</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11393</link>
		<dc:creator>Natali Ardianto</dc:creator>
		<pubDate>Mon, 07 Sep 2009 02:15:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11393</guid>
		<description>Halo pak Handi, saya sudah baca tulisan bapak beberapa bulan yang lalu ketika saya sedang research tentang payment gateway. Pengalaman yang berharga pak, thank you for sharing. It was a great insight for us.</description>
		<content:encoded><![CDATA[<p>Halo pak Handi, saya sudah baca tulisan bapak beberapa bulan yang lalu ketika saya sedang research tentang payment gateway. Pengalaman yang berharga pak, thank you for sharing. It was a great insight for us.</p>
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	<item>
		<title>By: Handi</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11328</link>
		<dc:creator>Handi</dc:creator>
		<pubDate>Fri, 04 Sep 2009 05:04:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11328</guid>
		<description>Mungkin bisa saya share pengalaman sial dalam urusan fraud kartu kredit dari sisi merchant. http://handilim.web.id/2009/04/05/kelabu-di-bulan-agustus-2008/ .</description>
		<content:encoded><![CDATA[<p>Mungkin bisa saya share pengalaman sial dalam urusan fraud kartu kredit dari sisi merchant. <a href="http://handilim.web.id/2009/04/05/kelabu-di-bulan-agustus-2008/" rel="nofollow" onclick="pageTracker._trackPageview('/outgoing/handilim.web.id/2009/04/05/kelabu-di-bulan-agustus-2008/?referer=');">http://handilim.web.id/2009/04/05/kelabu-di-bulan-agustus-2008/</a> .</p>
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	<item>
		<title>By: hardjono</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11143</link>
		<dc:creator>hardjono</dc:creator>
		<pubDate>Fri, 21 Aug 2009 18:21:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11143</guid>
		<description>Depends on the definition of &quot;payments gateway&quot;. VeriSign acquired a payments gateway startup company a few years back (costing about $600M). That business was then sold to PayPal/eBay a couple of years ago. So yes, PayPal has a &quot;payments gateway&quot; processing capability.

To handle chargeback, just use the PayPal optional insurance. PayPal will reimburse the buyer should the product fail to appear or is defective (chargeback case). In other words, the insurance underwriting industry is covering the transaction.

Many CC issuers in the US will only charge the user max $50 for amounts lost due to fraud. So, the insurance industry underwrites CC transactions, while the whole of the country/world pays through increased insurance fees.

[TH]</description>
		<content:encoded><![CDATA[<p>Depends on the definition of &#8220;payments gateway&#8221;. VeriSign acquired a payments gateway startup company a few years back (costing about $600M). That business was then sold to PayPal/eBay a couple of years ago. So yes, PayPal has a &#8220;payments gateway&#8221; processing capability.</p>
<p>To handle chargeback, just use the PayPal optional insurance. PayPal will reimburse the buyer should the product fail to appear or is defective (chargeback case). In other words, the insurance underwriting industry is covering the transaction.</p>
<p>Many CC issuers in the US will only charge the user max $50 for amounts lost due to fraud. So, the insurance industry underwrites CC transactions, while the whole of the country/world pays through increased insurance fees.</p>
<p>[TH]</p>
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	<item>
		<title>By: Media Ide &#187; Blog Archive &#187; Berjualan di Ranah Daring</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11132</link>
		<dc:creator>Media Ide &#187; Blog Archive &#187; Berjualan di Ranah Daring</dc:creator>
		<pubDate>Fri, 21 Aug 2009 10:34:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11132</guid>
		<description>[...] negeri, lalu balik lagi ke dalam negeri? Ketiga, resiko lebih besar bagi penjual. Kenapa? Baca saja artikel NavinoT tentang [...]</description>
		<content:encoded><![CDATA[<p>[...] negeri, lalu balik lagi ke dalam negeri? Ketiga, resiko lebih besar bagi penjual. Kenapa? Baca saja artikel NavinoT tentang [...]</p>
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	<item>
		<title>By: Ivan</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11127</link>
		<dc:creator>Ivan</dc:creator>
		<pubDate>Fri, 21 Aug 2009 02:42:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11127</guid>
		<description>Biasanya.... Hukum harus berjalan dulu. Jadi lebih takut untuk melakukan hal-hal seperti itu.

Lha Teroris aja keluar dlaam beberapa tahun aja :(</description>
		<content:encoded><![CDATA[<p>Biasanya&#8230;. Hukum harus berjalan dulu. Jadi lebih takut untuk melakukan hal-hal seperti itu.</p>
<p>Lha Teroris aja keluar dlaam beberapa tahun aja <img src='http://www.navinot.com/wordpress/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' /> </p>
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	<item>
		<title>By: Natali Ardianto</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11124</link>
		<dc:creator>Natali Ardianto</dc:creator>
		<pubDate>Thu, 20 Aug 2009 20:07:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11124</guid>
		<description>Kebetulan website kami dalam waktu dekat juga support CC transaction. We have think of these stuffs, and hopefully our plan to tackle this mess bisa dieksekusi dengan baik. Memang kalau di Indonesia harus ada yang namanya Fraud Detection System dan Fraud Detection Human :D.</description>
		<content:encoded><![CDATA[<p>Kebetulan website kami dalam waktu dekat juga support CC transaction. We have think of these stuffs, and hopefully our plan to tackle this mess bisa dieksekusi dengan baik. Memang kalau di Indonesia harus ada yang namanya Fraud Detection System dan Fraud Detection Human <img src='http://www.navinot.com/wordpress/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' /> .</p>
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	<item>
		<title>By: Richard Fang</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11123</link>
		<dc:creator>Richard Fang</dc:creator>
		<pubDate>Thu, 20 Aug 2009 17:23:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11123</guid>
		<description>waduh gimana ini? masa ga ada solusi nya? sistem credit kah? jadi harus beli &#039;poin&#039; dulu sebagai currency virtual?</description>
		<content:encoded><![CDATA[<p>waduh gimana ini? masa ga ada solusi nya? sistem credit kah? jadi harus beli &#8216;poin&#8217; dulu sebagai currency virtual?</p>
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	<item>
		<title>By: inkubis</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11122</link>
		<dc:creator>inkubis</dc:creator>
		<pubDate>Thu, 20 Aug 2009 15:37:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11122</guid>
		<description>pembayaran2 semacam itu masih tabu bagi kebanyakan orang,...</description>
		<content:encoded><![CDATA[<p>pembayaran2 semacam itu masih tabu bagi kebanyakan orang,&#8230;</p>
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	<item>
		<title>By: BudiTyas</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11121</link>
		<dc:creator>BudiTyas</dc:creator>
		<pubDate>Thu, 20 Aug 2009 14:54:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11121</guid>
		<description>Yup. Banyak eksportir handycraft gulung tikar karena ginian, cuma kasusnya LC, bukan CC. Tapi prinsipnya sama saja. Buyer ngerasa nggak cocok n minta dananya dikembalikan padahal posisi produk udah di negara buyer yang nun jauh di sana....

Rasanya payment gateway cuman cocok buat bayar pulsa, listrik, cicilan rumah, cicilan motor, n semacamnya. Yang pasti2 aja...</description>
		<content:encoded><![CDATA[<p>Yup. Banyak eksportir handycraft gulung tikar karena ginian, cuma kasusnya LC, bukan CC. Tapi prinsipnya sama saja. Buyer ngerasa nggak cocok n minta dananya dikembalikan padahal posisi produk udah di negara buyer yang nun jauh di sana&#8230;.</p>
<p>Rasanya payment gateway cuman cocok buat bayar pulsa, listrik, cicilan rumah, cicilan motor, n semacamnya. Yang pasti2 aja&#8230;</p>
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	<item>
		<title>By: Raffaell</title>
		<link>http://www.navinot.com/2009/08/20/realita-banking-dan-payment-gateway/#comment-11117</link>
		<dc:creator>Raffaell</dc:creator>
		<pubDate>Thu, 20 Aug 2009 06:46:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.navinot.com/?p=1392#comment-11117</guid>
		<description>Jaman kaya gini kayaknya ngarepin perusahaan yang bener bener &quot;ngemanja&quot; customer nya ngga ada deh.... Mari kita siksa consumer dengan menjadi pengusaha... sepertinya dunia sedang mengajarkan kita untuk seperti itu.....</description>
		<content:encoded><![CDATA[<p>Jaman kaya gini kayaknya ngarepin perusahaan yang bener bener &#8220;ngemanja&#8221; customer nya ngga ada deh&#8230;. Mari kita siksa consumer dengan menjadi pengusaha&#8230; sepertinya dunia sedang mengajarkan kita untuk seperti itu&#8230;..</p>
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