Cara Membuka account Merchant

Postingan ini menjawab dari beberapa Sobat blogger yang menanyakan tentang “Bagaimana cara menerima transaksi dengan pembayaran kartu kredit ? “

Bagi para pedagang barang ataupun jasa yang ingin agar bisa menerima pembayaran dengan kartu kredit/ credit card ataupun kartu debit/ debit card sebenarnya sangat mudah hanya dengan melengkapi beberapa persyaratan document :

- Copy KTP
- Copy SIUP
- Copy NPWP
- Memiliki rekening bank bisa tabungan ataupun rek Koran.

Mungkin ada juga sobat yang menanyakan “ Gimana bila usahanya belum ada SIUP…?” Ada beberapa bank yang memberikan deviasi misal : hanya dengan Copy KTP & copy NPWP saja, atau copy KTP & copy sewa ruko, tergantung policy bank tersebut.
Setelah perlengkapannya ada, kemudian mengisi form permohonan pembukaan account merchant dan menandatangani agreement bermeterai.

Yang perlu diperhatikan dari agreement tersebut adalah :

Discount rate

Discount rate biasanya ditentukan dari jenis bidang usaha dari calon merchant, dan perkiraan omzet transaksi pembayaran dengan kartu kredit dengan kisaran 2% s/d 3%.

Biaya – biaya yang dibebankan pada merchant

Biaya umumnya mencakup dari sewa EDC (Electronic Data Capture ) tiap bulannya, kertas struck, dll. Tapi jangan kawatir,….!! ada juga yang free, tetapi akan di kompensasi pada target transaksi kartu kredit…..hehe….berapa kira – kira ya….?

Fasilitas mencakup peralatan/ mesin otorisasi

Mesin otorisasi yang sering disebut alat gesek kartu kredit ada yang menual, dan mesin EDC menggunakan fixed line juga EDC wireless.

Ada salah satu syarat dari beberapa bank, agar calon merchant untuk membuka account di bank tersebut tetapi tidak mutlak. Tujuannya agar lebih mudah atau lebih cepat proses klaim transaksi.

Yang terakhir calon merchant diminta oleh bank untuk membuka account dibank tersebut selain sebagai sarana penerima dana klaim juga mensyaratkan dana tersebut dihold/ ditahan sebagai jaminan selama merchant tersebut active.

Cukup sekian dulu agar tidak kepanjangan………..nanti pasti aka ada yang menanyakan “ gimana cara agar bisa menerima pembayaran dengan kartu kredit tapi orangnya di luar negeri ?” hehe Insyaallah disambung lagi………. semoga bisa membantu……..untuk lebih detail sebaiknya ke bank anda….

How To Convert VMWare Image (.vmdk) to VirtualBox Image (.vdi)

I’ve found more and more people are switching to Virtualbox these days and I keep running into the same question.  ”How can I convert my VMware images to Virtualbox images?”  Well, breath easy because it is possible and not very difficult!

There are two methods that I am aware of that will allow you to use your VMware images on Virtualbox.  The first method I’ll outline uses the graphical Virtualbox interface and the second uses the command line. Each method should be equally as stable, it simple depends on your preference.

Method 1

Start Virtualbox
Inside the Virtualbox Menu click: File > Virtual Media Manager
Click on the “Add” button.
Locate and select the VMware .vmdk file you’d like to convert.
Click Open.
Verify your disk image has been added to the list of images and that the virtual and actual sizes appear accurate.
Click OK
Create a new virtual machine profile, selecting your imported image for the storage.
Boot your new virtual machine.

Method 2
To use the second method we’ll need an addition command-line tool called qemu.

sudo aptitude install qemu

You’ll new be able to convert a .vmdk (VMware image) to a .bin format, which can then be converted to a Virtualbox native .vdi format.

qemu-img convert /path/to/original.vmdk converted.bin

You’ll then need to use the VBoxManage utility that comes with Virtualbox to convert the .bin to a native .vdi format:

VBoxManage convertdd converted.bin converted.vdi

You can now create your new Virtualbox machine profile, using this new .vdi file as your disk image.

Two methods for converting VMware images to Virtualbox images.  Are there any other methods that you can suggest, or have you had better experience with one or the other?  Let us know!

GnuCash Personal Finance Manager

For years I've used a spreadsheet to manage my personal finances. Over the years my spreadsheet has gotten prettier and more complex with grander formulas that tell me exactly how I am wasting my money.

Last November I discovered GnuCash. Once I got my head wrapped around it I decided to ditch the spreadsheet for my daily finances (but not all together--I'll explain).

I am no accountant, but after a little self teaching I learned rather quickly that I was reinventing the wheel with my spreasheet. In my spreadsheet I used a "transaction type" column so I could sort my transactions and make neat little pie charts that tell me things like, how much I blew going to lunch every day. Or, how much it cost me to have a car.

GnuCash can do all that too, but first I had to figure out that every thing is an account. (see double-entry bookkeeping) For some things this makes since. My Checking account is an account. My credit card is an account. My investments are accounts. Where I had trouble with this, at first, was expenses.

Expenses all fall under one account (cleverly called 'expenses'). Then everything you spend money on goes into it's own sub account. I buy gas, it goes under Expenses:Auto:Gas. The more you divide things up the more specific you can be with reports. For example; I can bring up a report that just shows all the gas I bought last month by drilling down all the way to Expenses:Auto:Gas.

If I choose, I can also bring up a report that just brings up Auto. Then I can see a pie chart of all the Auto sub accounts. I'll have a wedge for Gas, Maintenance, Insurance, Fees, and Parking. These are just examples. I can make sub accounts for anything I spend money on, or delete the ones I don't need. GnuCash comes with a set of expense accounts you can use, or you can make your own from scratch.

Personally I started with theirs, and then added and deleted as I saw fit.

The beauty of the system is you can be as detailed or as lazy as you want. If you are a real obsessive compulsive tightwad, you can enter every receipt and even divide them up by what was spent on lunch and what was spent on sales tax (for the record, I put sales tax under Expenses:Taxes:Sales Tax I don't believe it was one of the default categories).

On the other hand, you can trash receipts and download the Microsoft Money or Quicken file from your bank once a month. They can be imported in to GnuCash almost just as easily as they can the expensive counterparts they are supposed to be imported into.

Which brings me to the last thing I love about GnuCash. It's open source, which means it's free, but it's better than free.

I did mention I still use a spreadsheet for somethings, and it's true. Perhaps I haven't completely embraced my new methods. There are just some things I still find easier on the spreadsheet. Specifically, future planning. I can just copy and paste rows of information and see where I'm going to put my tax return. In my spreadsheet I also have sheets with formulas that help me with other financial aspects. The one I use most helps me divide up my income by percentages, but GnuCash gave me a reason for a new one. A formula that calculates sales tax from the total on a receipt (for those generic receipts that don't give me sales tax).

I haven't posted here in a while, so I apologize if this is just a blarg of information. There are a few new posts I've been meaning to work on and get up here. In part I must blame Google Buzz for reminding me that I have a neglected blog. In the not too distant future I plan to write about tools and procedures you can use to easily keep your GnuCash data safe and secure.