Services - Payments

Point of Sale (POS) Payment Processing Services

POS terminals, as the name suggests, are the preferred way of processing credit/debit cards, checks and smart cards in a traditional merchant's environment. POS terminals offer an appropriate solution for consumers looking for flexible shopping experiences and enterprises looking to reduce costs and maximize space. The merchant swipes/hold the customer's card/mobile device (NFC) through the terminal, key-in payment information and the terminal does the rest to complete the transaction. The applications supported include a range of payment and value-added services, including credit and debit cards, smart cards, prepaid services, loyalty, gift , proprietary services and business management solutions, such as inventory control, dispatch and delivery to name a few.

Several layers of security eliminate potential threats in POS systems making them less vulnerable and user friendly. Tarang offers the best focused solution to its customers in payments domain thus offering convenient electronic money services.

Tarang has expertise in delivering POS solutions ranging from smart card based applications to EMV implementations. The POS team comprises professionals with in-depth domain expertise in architecting, designing, developing, testing and maintaining POS application systems. We cater to the needs of a wide spectrum of industries supporting various POS applications like Credit, Debit, Gift & Loyalty, Smart card and Check.

Tarang provides solutions for POS terminals and integrate them with back office systems/TMS. The services provided are:

* POS Application development
* PC Based POS Application
* Handheld POS Based
o Credit & Debit application
o MICR Check Application
o Gift Application
o Loyalty Application
o Value Added Applications
o Smart Card Applications
o EMV Application
o Contactless Application
* Legacy Applications- Migration, Maintenance and Support
* Certification Support
* Testing
* Wireless POS solutions (CDMA/GPRS/GSM)
* EMV Level 2 Applications
* Multi Applications
* Multi Currency
* Multi Language
* Internal/ External PIN PAD

Industry wide solutions

By looking at the present opportunities in the POS Domain and also realizing the need of our customers for payment processing Tarang is offering services across a cross-section of verticals:

* Finance
o Magnetic Stripe Cards, MICR Checks, Smart Cards etc
* Retailers
o Credit and Debit Applications, Pre-paid Application, Gift & Loyalty, Dynamic Currency Conversion (DCC)
* Restaurants & Hotels
o Credit and Debit Application, Pre-paid Application
* Multi Lane
o Supermarkets - Remote Administration, Transaction Management, Updating Bank Applications, Security Management, Network Management, Gift & Loyalty, Private Applications
* Petroleum
o Petro, Gift & Loyalty, Prepaid
* Automotive Solutions
o Prepaid Taxi, Public Transport
* Mobile Commerce
o Credit and Debit, Prepaid, Closed Loop
* Biometrics

Security Features include:

* End-to-end cryptography schemes built on technologies such as RSA, DES, Triple DES and SSL
* Key management techniques, which include key generation, key exchange, and key storage
* Application data security, which includes message level security and data storage security

Technologies

* C,C++
* GP STIP
* J2ME, Windows Mobile Applications (Win CE)
* Assembly

Message formats

* ISO 8583
* Proprietary

Personal Loans with Bad Credi

• Get up to Four Offers Within 24 hours.
• Compare Offers to get the Best Rate.
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• Money for life's Emergencies or Just for Fun!
• We are here to Serve your Financial Needs.

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You can learn all you need to know here:

A wonderful place to start, loans with bad credit can every so often be very difficult to obtain. We can aid you in finding the programs that are tailored to the specific needs of clients throughout the United States. Whatever your wants we will fit a scenario that's right for you. There are so many diverse listings on the market today that it is often hard to know which one to choose. We are here to help you decide which plan is best for you. Don't wait go ahead and start the application process NOW!

Our leading goal is to help you get the sevice you deserve...

There are lots of things to remember but the main thing you should ask yourself is, what do I need this money for? Your present personal circumstances may also help you to thin down your search, in detail whether you are a homeowner or not. Other factors that might affect your chances is whether you are jobless or self-employed. There are plans available for just about every situation or reason you can think of. Get your loan with us today!

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Similar Interests:

• Bad Credit (How to obtain personal loans with bad credit)
• Credit Inquiries (It's not good to have your credit pulled to much)
• Money managmenat (Your goal should be to get out of debt all together)

• Don't let your situation get you down:

  We major in helping you aquire your goals!

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  Note: If you have had problems, and have had a difficult time obtaining a loan because of your bad credit. We can help you. It's rare, but we actually major in helpng people that are in the same situation as yourself. You can get up to $25,000, or even get a loan in your name alone - you decide. With these listings you get the outstanding rewards when you select to use our services. We will even help you get your money in as quick of time as 1 business day! (Restrictions may apply).
• nteresting Facts:
• First time borrowers (May need a co-signer)
• 3 major credit bureaus (You need to know what is on your credit bureau)
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• Debt consolidation may be your answer:

  Consolidate your bills with us!

  When qualifying for settlement of your credit card debt you will want to give the person more detailed data regarding all the related issues, such as, how much money you spend monthly, your job history, and your bank account. If you choose to use our settlement services or even our other plans you will not be dissatisfied. We have so much to offer with all of our plans that you can easily see why we outrake the competetors with our solutions for people with bad credit.

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• Interesting Facts:

• Overuse of credit cards (This will hurt your credit score)
• To Much debt (Loan officers look down on an overload of credit)
• How do I get help? (Your should try to eliminate debt completely)

Credit Card Application Online

What types of Credit Cards Do We Offer?
One of the ways to divide an entire credit card market is into Business and Consumer categories. We serve both of these markets. However, Consumer market is in itself too large to think of as a single entity. It may be further divided into several sub-markets of credit cards.

Prime Market - this market serves that part of the population that has Good or Excellent credit history. These customers generally get the best offers, which include Low Intro and ongoing Interest Rates (APR's), Reward Programs, Low credit card fees, and many other benefits.

Sub-Prime Market - this market consists of people who either never had credit or it's in poor shape. Credit cards offered to such customers offer substantially fewer benefits, higher APR's, and higher maintenance and annual fees.
Credit cards offered to customers in Prime Market are generally Unsecured (i.e. require no security deposit). On the other hand, Sub-Prime customers usually qualify for Secured cards (i.e. credit cards that require a bank security deposit). Some unsecured cards are also available for Sub-Prime customers, but they bear substantially higher fees than standard Unsecured cards.

No matter what type of credit you have, applying for a credit card can be very beneficial. Whether your building your credit back up with a sub-prime credit card or taking advantage of a prime credit card, applying for our credit cards benefit everyone!
What is a credit card?
Credit cards are a privilege and a convenience. Credit cards let you charge a meal on a credit card, pay for an appliance on an installment plan, take out a loan to buy a house, or pay for schooling. Credit cards allow you to make a purchase without ready cash. A credit card enables you to buy things now and pay for them later. You get credit cards by promising to pay in the future for something you receive in the present. But, there are strings attached to credicards. Credit cards usually costs something, and what is bought with your card must be paid back.

Our Favorite Credit Card
The Household Bank and Orchard Bank credit card program offers credit cards to those with no credit, little credit, damaged credit or restored credit. They¡¯ve helped millions of people obtain credit who may not have traditionally qualified for a credit card. Because of their reputation for outstanding customer service, modest fees and a focus on credit education, Household Bank and Orchard Bank credit cards are highly regarded by their credit card members. With a unique approach of educating customers on all aspects of obtaining and managing credit, their credit cards continue today as a leader in the under-served credit industry. Below are just a few of the many benefits of the Household Bank and Orchard Bank MasterCards.
Initial Credit Limit Up to $1000, up to $2000 for their Gold Card
Low Annual Fees, no annual fee for their Gold Card
Competitive APRs
Periodic Credit Limit Increase Reviews
Complete Online Account Access 24 Hours a Day
Complimentary Online Bill Pay
The Household Bank and Orchard Bank credit card program offers credit cards to or the Household Bank and Orchard Bank MasterCards are designed for those with little or damaged credit and those ready to move up to Gold. Because of their reputation for outstanding customer service, modest fees and a focus on credit education, the Household Bank and Orchard Bank MasterCards are highly regarded by their credit card members.

Household Bank and Orchard Bank MasterCards.
Initial Credit Limit Up to $1,000, up to $2,000 for their Gold credit card
Periodic Credit Limit Increase Reviews
Low Annual Fees, no annual fees for their Gold card
Competitive APRs
Complimentary Online Bill Pay

Credit Card Resources

USA & Canada Credit Cards

ASAP Credit Card - Credit Card Comparison
Compare all the best credit card offers available online. Good credit or bad, find great deals such as low interest, 0% APR, cash back, rewards and more!

Best Credit Card Offers
Features the best credit card offers and credit card rates currently available from American Express, Visa Card and MasterCard.

CardRatings.com
Offers credit card ratings, credit information and online credit card applications for US residents.

Credit Cards Online Guide
A quick and easy way to find popular credit card offers in the USA.

Credit Mutual
Compare a wide variety of US credit cards to find the best deal for you.

Free Best Credit Cards
Offers low interest credit cards for businesses, students, consumers and all other types of individuals.

Instant Credit Cards
Instant or secured credit cards for students, business, and consumer needs.

Top-Creditcards.com
Offers UK and USA credit cards. Apply free online with 0% available.

UK Credit Cards

Accucard Credit Cards
Accucard UK, a 0% online credit card, interest free transfers, mastercard, unsecured, cashback, highly configurable!

Best Credit Cards
Browse and compare credit card applications online.

Credit Card Expert - UK Credit Cards Guide
Compare UK credit cards, apply online for visa and mastercard, applications for the best low rate UK credit cards.

Credit Card UK
0% interest free and low rate UK credit cards online from Egg, Capital One, Accucard, Barclaycard, Morgan Stanley, More Th>n Credit Card and Marbles.

CreditSmart
Features a selection of 0% credit cards to suit your lifestyle together with best rate loans. CCJ's, IVA's and bankrupts welcome.

Loans & Cards.com
Offers loans, refinancing, credit cards, credit reports and merchant accounts regardless of good or bad credit.

Top-Creditcards.com
Offers UK and USA credit cards. Apply free online with 0% available.

UK credit cards at cardtart.com
Directory of UK credit cards.

UK Credit Cards Today
Offers a wide selection of 0% balance transfer credit cards to review or allows a comparison of all the leading offers to help you save money.

UK-Cards.com
Compare UK credit cards and find the best deals for balance transfers, reward schemes and cashback offers.

ZeroPercentCreditCards
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0% Interest Free Credit Cards
See which providers offer introductory incentives to new customers.

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What is a payday loan?

Many check cashing businesses offer small sum, short-term, high-rate, unsecured personal loans. These go by many names, including:

• payday loan
• cash advance loan
• post-dated check loans
• deferred deposit

In a payday loan transaction, the borrower will provide to the lender items such as a paycheck stub, photo identification and a recent bank statement. The borrower writes a check to the lender for the amount and the lender's fee. Under law in some states, the lender's fee is limited. The lender agrees to hold the check until the customer's next payday, up to 30 days. At that time, the borrower may redeem the check with cash, allow the lender to deposit the check or roll over the loan by paying another fee.

Payday lenders advertise their services as a way to cover unexpected expenses like car repairs and avoid bounced check fees and late payment penalties. Potential payday loan customers should be aware of the risks and responsibilities involved with this sort of lending.

Payday Loan Example

Let's say you want to borrow $200 until you get your next paycheck in two weeks. You write a postdated check to a payday lender for $230 (15% of $200 = $30 lender's fee + $200 loan amount = $230) and get $200 cash in return. The $30 interest you pay on the loan calculates to an Annual Percentage Rate (APR) of 391%. The payday lender may also charge you a one-time fee of $10 to set up an account.

If you are unable to repay the loan after the agreed-upon 14 days have elapsed, you may elect to extend the loan for another two weeks by paying an additional $30. If you choose to roll over the loan, you will have paid $60 in lender's fees for a one-month loan of $200. It's easy to see how these fees can quickly add up ?if you extend the loan for a total of six months, you'll end up paying $360 in fees, without having paid back any of the principal (the original $200).

Payday Loan Alternatives

You may wish to consider these alternatives before choosing a high-rate payday loan:

• Ask your employer for an advance on your paycheck.
• Ask to borrow money from a friend or relative.
• Find out if you have, or can get, overdraft protection on your checking account.
• Find out if you can delay paying a non-interest bill such as a utility bill and make payment arrangements with the utility company.
• Ask your creditors for more time to pay your bills. Find out what they will charge for this service ?a late charge, an additional finance charge or a higher interest rate.

If you use a payday loan

If you do decide to use a payday loan:

• Borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday.
• Always comparison-shop before selecting any loan. Compare the finance charges of credit offers to get the lowest cost. Also, find out what the total fees and penalties will be if you don't pay the money back on time.

Advantages of Online Payday Loans

Applying for online payday loans offers several advantages over applying at a traditional payday loan storefront. Payday loan applicants apply directly from their home or office computers via the Internet, never having to stand in line and wait in a crowded store. Many people choose to apply for online payday loans for personal reasons, because they simply do not feel comfortable going to a store specializing in payday loans and check cashing.


The online payday loans application process can also be a significant time saver. In-store applications must be handwritten, and completed entirely in the store. If an applicant does not have all the required information and paperwork they are unable to complete the application and the loan cannot be processed. Online payday loans applicants may pause while filling out the application form and take time to locate the required information.

How Online Payday Loans Work

All online payday loans sites require the consumer to fill out an application detailing personal information, occupational information, current banking and financial information, and references.

All online payday loans have minimal requirements applicants must meet in order to complete the application. These requirements usually follow these guidelines:

 Have a current job for at least 3 consecutive months.
 Take home a minimum of $800.00 monthly after taxes.
 Have a valid checking account open for at least 3 months.

Certain lenders also require current bank statements and paycheck stubs. Online payday loans lenders also take into account the number of NSFs (non sufficient fund) charges an applicant has incurred in the past 30 days, and the number of current outstanding online payday loans.

An advantage of online payday loans to most consumers is that they are available to people with no credit, poor credit or bankruptcies. Unlike traditional lenders, online payday loans lenders do not request credit bureau reports from Experian, TRW, or Equifax. Instead, most larger online payday loans lenders and banks that partner with online payday loans lenders use consumer information services provided by Tele-Track. These services do not check credit history; they simply verify the applicants banking history information, including status of checking account, number of NSFs and current outstanding online payday loans. When applying for online payday loans, it is very important to be truthful and correct in providing information and answering all questions, or the application may be declined.

IMPORTANT: If you are considering applying for online payday loans, only apply for one loan at a time. If an applicant applies for multiple online payday loans, each loan application will be reported, and may result in ALL applications being declined.

Once completed, the application is forwarded to the online payday loans lender for review. If the applicant meets the minimum requirements they will be notified (typically via email) that they are approved. The payday lender determines the amount of the payday loan, usually between $100 and $500. The amount of the approved payday loan depends on several criteria, usually monthly income, direct deposit, length at residence and job, availability of bank statements and paycheck stubs, number of outstanding NSFs and other online payday loans. Repeat customers with an online payday loans lender are more likely to receive larger loan amounts than first time applicants.

Once approved the applicant will be asked to print and sign a signed copy of the online payday loans lenders contract with the loan amount, loan fee and terms specified. Lenders may also require faxed copies of paycheck stubs, bank statements, and a personal check.

When the fax is received the lender will verify the information is correct and administrate the loan. Most online payday loans lenders will electronically deposit the loan amount in the applicants checking account overnight, depending on the time of day the loan application was received and approved. Online payday loans lenders typically do not process loans on weekends.

On the specified pay date, the online payday loans lender will electronically withdraw the loan amount plus specified fees. For instance, if the payday loan was for $300, and the loan fees were $20 for each $100 borrowed, then the amount electronically withdrawn would be $360.

Most online payday loans lenders offer clients the option of rolling over a loan, meaning that the loan is extended to the next payday. The client can contact a lender and request to extend the repayment date to the next payday. In most cases the fees charged will double, meaning a $300 payday loan rolled over would incur a total fee of $60, requiring a repayment of $420. Extending repayment dates is something that consumers should approach with caution as the resulting fees accumulate quickly.

Selecting an Online Payday Lender

Selecting the right online payday lender is very important. Remember, you should only apply for one payday loan at a time. Here are some important things to consider before filling out any online application:
1. The payday lender¡¯s website should be professionally designed and well organized.
2. The information presented on the site should be clear and informative.
3. The site should contain a FAQ answering important questions about your payday loan.
4. The site should never charge any up-front fees for processing your application.
5. There should be a complete Security and Privacy Policy clearly posted.
6. The application should be comprehensive and organized. Beware payday lenders that promise instant approvals based on only a few questions.
7. IMPORTANT ¨C only consider payday lenders that have SSL certificates on the application page. This certifies that your financial data is being securely transmitted.
8. There should be a Contact Us page with an email address and form for submitting any problems

Free Debt Consolidation

Considering debt consolidation? Are you tired of living day-in day-out with the stress of overwhelming debt? Do you feel like that stress might never end? If you can't seem to find your way out, the Debt Consolidation Counselors service can help you.With our service, you can get your finances back on track, and retire your debt forever. Simply contact us for a free, no obligation consultation today. Why Wait?

Why Do Clients Join the Debt Consolidation Counselor Program?

Our clients join our debt management and negotiation program for a number of reasons. If any of the following questions apply to your situation, it's definitely worth exploring what our debt consolidation program can do for you.

• Do your monthly bills seem too large to pay off?
• Are you using cash advances or payroll loans in order to repay your debts?
• Have you recently lost a job, or suffered a medical emergency that meant you missed work?
• Do you have difficulties paying your bills on time?
• Have you begun to receive collection calls regarding your credit card debt?
• Have you been paying the minimum payment on several credit cards and noticing that the balances never seem to go down?

Enrolling in the Debt Consolidation Counselors program is free and secure. From the privacy of your own home, you can easily begin the process
Click here to apply for a free, confidential consultation.

Sweden - the most profitable private equity market in the world

Sweden has the world’s top private equity firms according to the financial information group Thomas Financial. Their figures show Swedish buyout firms have given average yearly returns to investors of 27.2% during the last decade. This outperforms both the European average of 12.5% and the American average of 13.6 %.

With Stockholm as their base, Nordic Capital, EQT, Industri Kapital and Altor private equity firms, have built up their businesses specialising in buying up large, established, profitable companies in relatively developed branches.

Due to these exceptionally high returns, there has been huge investor interest in their buyout funds, leading to Sweden’s enviable position as world leader in the private equity sector.