Once you have considered all the different ways you can accept payments on your website, you should be able to decide which one to choose, depending on the nature of your business and your target customer audience.

5. Recurring Billing Software

Recurring billing software is used by many subscription-based businesses to help in managing their recurring invoices and payments.

Online businesses that offer subscriptions include monthly gift boxes or streaming services.

Through such software, your customers can automatically pay once each payment is due.

This is convenient not only for them but also for you since you no longer have to send constant reminders to your customers and can automatically send invoices and notices as needed.

This can also be set up through the payment gateways listed above

4. Mobile Wallet Payments

Mobile wallets are becoming increasingly popular amongst customers as a means of completing online payments.

These apps include Apple Pay, Google Pay, and Samsung Pay.

However, if you are looking to trade in China, you should be opting for AliPay and WeChat.

A mobile wallet is a virtual wallet that stores all payment and card information on a mobile device.

Mobile wallets make it extremely convenient for customers to make online payments, so your e-Commerce business should integrate this solution.

3. Payment Gateways

Payment gateways are online payment service that is linked to an e-Commerce platform.

Payment gateways are used to make and receive payments online and are particularly used by online businesses.

Payment gateways securely validate customer credit or debit card details, ensuring that the required funds are available to complete the payment.

Once the customer successfully provides their credit card details, this information is passed onto a merchant account which then conducts further verifications and, once approved, finally sends the funds to your business bank account.

Stripe
Another popular payment gateway is Stripe due to its customizable nature.

With Stripe, you can completely tailor the payment gateway according to your website's needs, unlike other payment gateways with a structured checkout template or send customers to another website to complete their order and make a payment.

Stripe also offers subscription management and other features to process recurring payments.



PayPal
PayPal has developed a reputation for being one of the most trusted and recognized payment processing companies.

It is absolutely free to join, and once you've created an account, you have access to all the features needed to integrate PayPal payments onto your website.

Using PayPal is also convenient for your customers as they are used a secure payment method.

Nigerian Payment Gateways

1. Flutterwave 2. Paystack

2. Direct Debits

While setting up a direct debit is an option to accept payments online, there are much better methods tailored to e-Commerce businesses.

Setting up a direct debit can be a slow process as it requires the customer to authorize the e-Commerce business to take out funds directly from their account.

Due to this process, it may be better for your business to opt for a payment gateway or any other means of accepting payments online.

1. Debit and Credit Cards

Accepting debit and credit card payments is the most common means of accepting payments online, regardless of the nature of your eCommerce business.

To start accepting such payments, you will first need to create a merchant account.

This type of bank account enables credit card processing which allows you to accept payments online.

When a customer places an order from your e-Commerce business online, their funds are temporarily held in a merchant account until all the necessary monetary checks have been completed.

Once the transaction is verified, the money is sent to your business bank account.

Like any other business bank account, you would have to link your merchant account to your website.

E-commerce businesses must offer their customers multiple ways to make payments online

Providing customers with a choice on how to pay is more convenient for them and gives them more reason to purchase something and complete an order.

If you only have one way to accept a payment that might be convenient for you but inconvenient for the customer, you are missing out on business!

Nigeria is at a “critical crossroads” and God will give the country the best person fit to be president - Gov El Rufai.

He said this while receiving former Lagos Governor, Bola Tinubu, who came to the state, on a condolence visit over the bandits’ attack on the Kaduna-bound train.

Quoting El Rufai - “We are aware of your aspiration to be president of this country, we look forward to further engagement so that we can progress that aspiration.

“Nigeria is at crossroad, critical crossroad, and we must take very difficult decisions to get the right leaders that would take us out of the multiple quagmires that we are going through. These are human challenges and they can be solved by human ingenuity. I pray for God to choose who is best for Nigeria, so that we will be the better, united, progressive and exemplary country that is fair and just to everyone.”
Tinubu in his remarks, lamented the state of banditry and terrorism being witnesses in the country saying “Nigeria is bleeding.”

The recent bombing of the commercial train could not move the President to Kaduna, a state where he was said to have resided until 2015.

Read - [url]https://thekre8tor.com/2023-god-will-give-nigeria-best-person-as-president-governor-el-rufai-tells-tinubu-avoids-endorsement
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Breaking News: Terrorists Sack Nigerian Military Base In Kaduna, Kill 11 Soldiers, Three Vigilantes

At least 11 soldiers were killed after some terrorists locally dubbed as bandits raided a Nigerian military base in Polwire village in Birnin Gwari Local Government Area of Kaduna State.

A source who disclosed this to TheKre8tor said the incident occurred on Monday.

He said the bandits came in large numbers on motorcycles and engaged the troops in a battle that lasted for two hours before dislodging them.

Three members of the Kaduna Vigilante Group were also killed during the attack.

A military signal exclusively obtained by TheKre8tor confirmed the incident.

The signal read, “TEXT: OP DOMINION STORM SPECIAL SITREP (.) SITREP AS AT 041200A APR 22 (.) *BHT/ BANDITS ATTK *(.) AT ABOUT 031645A APR 22 (.) TPS AT BLK POSN POLEWIRE GEO COORD 10°42’59.40”N 06°42’01.97E CAME UNDER ATTK FROM UNCFM NO OF BHT/BANDITS USING RPG BOMBS AND OTHER SP WPNS (.) THE ENCOUNTER LASTED UP TO ABOUT 2000HRS BEFORE TPS WERE DISLODGED FROM THE LOC (.) TPS WDR TO POLEWIRE VILL GEO COORD 10°42’14.49”N 06°41’05.38”E (.) TPS WERE RFT FROM FOB GWASKA AND RTN TO POLEWIRE AT ABOUT 2115HRS CMM NO FURTHER CONTACT WAS MADE (.) TPS CARRIED OUT EXPLOITATION FIRST LI (.) BANDITS CAS (.) UNCFM (.)WIA (.) UNCFM (.) OWN CAS (.) KIA (.) 11 X SLDRS AND 3 X KADVS (.) WIA (.) 1 X 19 SLDRS AND 2 X KADVS.”

Read More - https://thekre8tor.com/breaking-terrorists-sack-nigerian-military-base-in-kaduna-kill-11-soldiers-three-vigilantes

A hardcore fan of Afrobeat singer, Wizkid, has dumped his girlfriend after the singer failed to win an award at the 64th Grammy.

The friend to the lady who was dumped revealed that her boyfriend had decided to end things after she asked the Wizkid fan why he wasn’t picking any of her calls.

Read more - https://thekre8tor.com/hardcore-fan-dumps-girlfriend-following-wizkids-grammy-award-loss

The General Superintendent of Deeper Christian Life Ministry, Pastor William Kumuyi, has expressed disapproval of the female choristers’ mode of dressing and style of dancing at a recent crusade of the church.
Kumuyi who slammed the female choristers for wearing male jackets and dancing in the worldly style, was in Bayelsa State with some senior pastors for the ministry’s global crusade themed, “Full redemption for all through Christ.”

He scolded the female choristers over their dressing and dance.
In a viral video, the general overseer said a Deeper Life choir should not bring worldly dancing when they sang at the Deeper Life crusade.
He said, “If you’re Deeper Life choir; when you come to sing at the crusade, don’t bring that worldly dancing into the crusade where Deeper Life is organising.

Read More - https://thekre8tor.com/deeper-life-founder-pastor-kumuyi-slams-church-choir-over-worldly-dance-dresses

Pastor Sunday Adelaja, the founder of the largest evangelical church in Europe, Embassy of the Blessed Kingdom of God for All Nations, has said he lost property worth over $4 million to the Russia invasion of Ukraine.

The clergyman said in his bid to avoid being caught up in the invasion, he had to leave the country with only one shirt.

However, he added that he is grateful to God for sparing his life.

He spoke via a Zoom meeting organised by Network of African Christian Journalists.

The Nigerian-born preacher, who lived in Kiev, Ukraine for some decades, said he is planning to return to Africa in obedience to God’s instruction.

Adelaja urged African Christians to avoid misrepresenting the President of Russia, Vladimir Putin, saying the man is fighting for traditional values of the Christian faith.

He said: “I’m beginning to believe that this Vladimir Putin who everybody is saying is mad and demon-possessed is the same man that is fighting for traditional values of the Christian faith.

Read More - https://thekre8tor.com/everyone-says-putin-is-mad-but-hes-fighting-for-christian-values-against-same-sex-marriage-ukraine-based-nigerian-cleric

Some gunmen have attacked and burnt the premises of the Orsu Local Government Area headquarters in Awo Idemili community, Imo State.

The gunmen attacked and burnt the council secretariat in the early hours of Sunday, Channels TV reports.

A source said several buildings on the premises including the “chairman’s office, the administrative block, and some vehicles parked within the area were burnt”.

The police spokesman in the state, Mike Abattam, who confirmed the attack, said the Acting Commissioner of Police, Mamman Giwa, had “launched an investigation into the matter”. The commissioner, he said, had also drafted the command’s tactical team to the area to prevent a further breakdown of law and order.

[url]https://thekre8tor.com/gunmen-attack-local-government-headquarters-in-imo-burn-admin-block-chairmans-office-others/
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A chieftain of the All Progressives Congress, Temitope Babs, has accused Rotimi Amaechi, Minister of Transportation, of blaming President Muhammadu Buhari for his own failure.
After the Abuja-Kaduna rail attack, which occured on Monday, Amaechi told journalists during an interview that he had predicted the attack and presented a memo to Federal Executive Council for the procurement of security equipment but it was rejected.

Minutes of the meeting sighted by SaharaReporters marked EC (2021) 236 on September 24, 2021, presided over by Prof Yemi Osinbajo, Vice President of Nigeria, at a time when the President was out of the country for the United Nations General Assembly, showed that Amaechi proposed that a two-year-old company, which has a father, mother and child as its directors, should be given the contract worth N3.7billion.
Incorporated on August 6, 2019 by Prince Godwin Momoh, Chioma Momoh and George Momoh, the firm had a turnover of only N84.9m.

Reacting in a statement on Saturday, Babs accused the minister of blaming the attack and failures of his ministry to secure the lives of Nigerians using the facility on his ‘colleagues’ and by extension the Nigerian Government.
He added that Amaechi had been fingered for procuring low quality and out of use locomotives coaches into the country and if he had opted for a digital train, the bandits won’t have gained unhindered access to the train from outside whilst in motion.
The Statement READS https://thekre8tor.com/how-transportation-minister-amaechi-deceived-president-buhari-procured-low-quality-locomotive-coaches-for-use-in-nigeria-apc-chieftain/

Do you need a shop space for your business in the Online Marketplace, contact me for your advert promotions on Facebook, Instagram and Google.

To find out more https://techshrewd.com.ng

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Learn how my friend got rid of his after 20 yrs

https://thehealthyhubspot.com/an-effective-way-to-get-rid-of-arthritis/

As expected, the new phones are pretty similar to last year’s iPhone X (the XS Max’s larger size notwithstanding), but there are a few tweaks and changes for the eagle-eyed observer to note between the two devices.
For more information: http://techshrewd.com.ng/iphone-xs-and-xs-max-teardown-shows-off-revamped-batteries/

As expected, the new phones are pretty similar to last year’s iPhone X (the XS Max’s larger size notwithstanding), but there are a few tweaks and changes for the eagle-eyed observer to note between the two devices.
For more information: http://techshrewd.com.ng/iphone-xs-and-xs-max-teardown-shows-off-revamped-batteries/

Many celebrities, politicians and so-called social media influencers found their Twitter followings knocked down a few digits on Thursday 12th July as twitter purge slashed tens of millions of suspicious accounts from the totals.

For example, the actor Ashton Kutcher, an active member since the company’s early days who led other celebrities to embrace the platform, saw his follower count drop by more than a million. On Wednesday afternoon, he had 19.1 million. By Thursday evening, that was down to 18 million, a drop of nearly 6 percent.
Oprah Winfrey, who sent her inaugural tweet in 2009, had her following cut by about 1.4 million between Wednesday and Thursday evening. Ellen DeGeneres lost two million, leaving her at 76.1 million followers.

Twitter announced that it started purging millions of accounts yesterday. The micro-blogging platform specified that it would be removing locked accounts from follower counts across profiles globally, so we were to expect a drop in follower counts today. The accounts that Twitter will be purging today are locked accounts that the company ‘detected sudden changes in account behaviour’ and if the owners didn’t validate their accounts, they were henceforth purged.
http://techshrewd.com.ng/twitter-purge-top-accounts-lose-millions-of-followers/

Yes Sir/Ma. If you are caught without a license of operation, you will be prosecuted.

Nigeria drone enthusiasts, like others across the world, have spent the last couple of months experimenting and exploring innovative ways to use drone technology. Mostly adopted by filmmakers, start-ups and enthusiastic hobbyists, there was also hope on the part of e-commerce companies that drones could be the answer to dealing with delivery challenges in the country, including frequent traffic congestion and a haphazard home address system.

That hope faded, with an announcement by the Nigerian government on May 8 2016 of an immediate ban on launching Remotely Piloted Aircraft (RUA) or Unmanned Aerial Vehicles (UAV) in its airspace without a permit from the Nigerian Civil Aviation Authority (NCAA) as well as the Office of the National Security Adviser (ONSA).

The government argues that the deployment of drones “without adequate security clearance” has led to “predictable safety concerns and security threats.” Security concerns in Nigeria remain high as the country battles with a deadly insurgency by the terrorist group Boko Haram that has left millions displaced and at least 20,000 dead in the north, as well as re-surging militancy in the south. While the government didn’t cite specific concerns in its statement, there are likely fears that Boko Haram and other groups might deploy drones for surveillance and strikes.

In a statement, the NCAA declared “no government agency, organization or an individual will launch an RPA/UAV in the Nigerian airspace for any purpose whatsoever without obtaining requisite permit from the NCAA and ONSA.”

The battle over drone regulation is not new, with countries like Canada adopting robust guidelines preventing use of drones near areas with large groups of people and for unauthorized photography. The UK parliament has also called for compulsory registration of all civilian and commercial drones so as to manage “drone traffic and safety concerns.”

However, the worry lies in Nigeria’s cumbersome bureaucratic processes. Obtaining permits from such high level agencies for recreational and commercial use of drones could be a difficult, opaque and costly process.

Fears over the impact of drone regulation are not exclusive to Nigeria on the continent. A blanket ban on drones by Kenyan authorities in January last year (also for security reasons) dampened hopes of innovative and commercial uses as investors questioned funding projects such as air delivery in the face of government regulation.
http://techshrewd.com.ng/drones-in-nigeria/Read More

If you own a Samsung phone, including the Galaxy S9 or the Note 8, your private pictures may be at risk. The phone might be sending photos to your contacts without your knowledge and approval, which does not seem a big deal until you realize you definitely want certain images kept private from some of your contacts. In order words, your phone might send nudes to your mum, dad or even boss which translates to a very big problem.
The cause of this issue is still not known at this point, and Samsung are investigating the matter. While you wait, there are fixes in place if you are a victim.
Read More at http://techshrewd.com.ng/your-samsung-phone-might-send-nude-pictures-of-you-to-your-contacts/

The Rock Launches Wireless Workout Headphones. Dwayne “The Rock” Johnson is the latest celebrity to get into the headphones business but he’s doing things a bit differently. He has teamed up with JBL and Under Armour to launch his own wireless workout headphones called Project Rock. They’re priced at $249 which is approximately 90,000 Naira and are available for purchase starting today.

The Rock put his signature Brahma Bull insignia on the cans so that anyone looking at you has no doubt whose headphones you’re rocking. A Spotify playlist by the man himself (The Rock) has also been launched alongside the headphones and it’s called Iron Paradise Airwaves.
READ MORE AT http://techshrewd.com.ng/the-rock-launches-wireless-workout-headphones/

The Left and Right Swipe is still very much active. This is just an addition for its Gold users.

A major problems with Tinder is that there can sometimes be too many people, this means that you could end up spending a lot of time swiping on people that may or may not interest you. However, Tinder is hoping to apply a bit of smartness when it comes to matching people with each other, and has since launched a new feature called “Picks”.

According to Tinder Official Blog, “We know there’s plenty of fish in the sea, but let’s be honest, you want to zero in on the ones that suit your taste and are most interesting to you. Picks is the newest addition to the Tinder Gold experience, designed to highlight your most swipe-worthy potential matches and what makes them stand out — all in a fresh new format.”
To Read More: http://techshrewd.com.ng/tinder-introduces-picks-feature/

Just a few weeks ago, during an onstage interview at the Code Conference, Snap CEO Evan Spiegel zinged the blue juggernaut that’s haunted his company with this line: “We would really appreciate it if they copied our data protection practices also.”

Ouch. The dynamic between the two companies, of course, has seen Facebook — after unsuccessfully trying to buy Snap after several attempts — copy and repurpose everything of its smaller rival that it possibly can, like Stories and ridiculous camera lenses. Snap, for its part, has successfully peeled off a younger demographic from Facebook by being everything Facebook is not — like fun and, with Snap’s announcement today of its developer platform, ostensibly more focused on privacy.

This news is probably mostly worth cheering. Facebook’s whole model was built on swallowing as much data, usage, insight, time — everything that it could. There’s a reputational element here for Snap in terms of getting this right. You can’t exactly wag your finger at Facebook and step in the same messes it did.
To Read More: http://techshrewd.com.ng/snapchats-new-feature-focuses-on-privacy/

I seriously doubt it would work.
But you can never say never right.

Coming up with a solution to phone addiction is not an easy one and will also involve using more tech in the process. Apple’s software keynotes are normally about how the ways you’ll be able to get your devices to do more, but the event on Monday had an unusually paternalistic bend. Demonstrating their new “time well spent” apps, Apple executives showed how your iPhone will get you to spend less time on your iPhone (Weird Right?… I Know). So if you’ve spent longer stalking your crush on Instagram then you had previously planned it will say: “You went over your Instagram limit two times this week” – presumably it’s not angry, just disappointed.

The situation the world finds itself as relates the explosion of tech solutions that supposedly help you spend less time on your phone is reflective of the oversupply of exuberance still on display in Silicon Valley. Even as tech companies recognise that the amount we’re staring at screens is making us miserable, they still believe its their products that can fix the problem (Tech is awesome). Apple announced new “digital health” tools that will be found in the settings app. The company will allow you to stop your phone from disturbing you while you are asleep, group certain notifications together and see how many times a day you check your phone – all in a bid to improve your wellbeing and proffer a solution to phone addiction.
Read More http://techshrewd.com.ng/tech-bigwigs-come-up-with-a-solution-to-phone-addiction/

Coming up with a solution to phone addiction is not an easy one and will also involve using more tech in the process. Apple’s software keynotes are normally about how the ways you’ll be able to get your devices to do more, but the event on Monday had an unusually paternalistic bend. Demonstrating their new “time well spent” apps, Apple executives showed how your iPhone will get you to spend less time on your iPhone (Weird Right?… I Know). So if you’ve spent longer stalking your crush on Instagram then you had previously planned it will say: “You went over your Instagram limit two times this week” – presumably it’s not angry, just disappointed.

The situation the world finds itself as relates the explosion of tech solutions that supposedly help you spend less time on your phone is reflective of the oversupply of exuberance still on display in Silicon Valley. Even as tech companies recognise that the amount we’re staring at screens is making us miserable, they still believe its their products that can fix the problem (Tech is awesome). Apple announced new “digital health” tools that will be found in the settings app. The company will allow you to stop your phone from disturbing you while you are asleep, group certain notifications together and see how many times a day you check your phone – all in a bid to improve your wellbeing and proffer a solution to phone addiction.
Read Morehttp://techshrewd.com.ng/tech-bigwigs-come-up-with-a-solution-to-phone-addiction/

Last month’s update to Windows 10 added new tools for automatically and manually clearing clutter from your hard drive.
Q. What is the difference between Disk Cleanup and Storage Sense to remove old files from Windows 10?

A. Disk Cleanup is an older utility program that has been included with the operating system since the days of Windows 98. Until recently, the tool worked in Windows 10 much the same as it always did, scanning the drive and rounding up a list of all the unnecessary files and system detritus that you could delete with the click of a button. With a little extra work, Disk Cleanup could be set to run automatically, but some people chose to manually open and run the program when needed.

Read More : http://techshrewd.com.ng/new-ways-to-delete-old-files/

Apple includes a Screen Recording tool with its iOS 11 system to record the action on your iPhone screen, but you may need to enable it first. To do that, go to your iPhone’s home screen and open the Settings app.
On the Settings screen, tap Control Center and then on Customize Controls. Scroll down past the Include list to More Controls and tap the green plus (+) button next to Screen Recording. Once you have added Screen Recording to the list, a circular “record” button will appear on your Control Center screen when you swipe up from the bottom of the screen.
Continue AT: http://techshrewd.com.ng/how-to-record-your-iphone-screen/

Instagram is firstly designed as a social network which can be used using its app on smartphones, but it can be used on your PC or laptop as well just by visiting www.instagram.com, but you don’t get full features when you access it on your computer using a browser. The most important feature which is uploading photos is not available when you access Instagram from your computer. But as I have always been saying that technology has an answer to almost everything in its related industry, and we have a great trick that can enable you to upload photos to your Instagram account even you access it using your computer.

Let’s have a look at how you can upload photos to Instagram using your PC or Laptop.

In the PC or laptop, you use a browser to access any website and so is Instagram’s website as well. In different browsers, things can be a little different, but the logic will be same for uploading photos.

How to Upload Photos to Instagram using Chrome?
Open Google Chrome.
Go to three vertical dots in the upper right corner, and click there. Then click More Tools >> Developer Tools.


3. You will see the developer options will be opened at the bottom of the page. Click on the marked icon in the screenshot below:

4. Now, access Instagram.com in the browser. You will see the app version of the Instagram, and see the upload option there if you already logged in. If not, then do login using your account credentials.

5. Click on + icon, and select a photo from your PC.

6. Select the photo, click open, and it will be retrieved to You will see Filter option there. So that if you want, you can apply filters, and then click Next.

7. Now, it will ask for location; you can add that or if you want you can leave it, and click “Share”.

Now, you will see that your photo is posted on Instagram.

Isn’t it cool to upload photos using your PC whenever you want? The best thing is you can use filters as well.
http://techshrewd.com.ng/how-to-upload-photos-to-instagram-from-pc-or-laptop/