Merchant Retailers Are Helping Consumers Avoid The Dangers Of Cash!. Bill Payment Services & Prepaid Cellular Services-Prepaid Debit Cards Services.

Prepaid debit cards are a safe, convenient, flexible alternative to cash. Unlike cash, pepaid debit make it easy to track spending and decrease the risks caused by theft, while delivering the financial benefits of a payment card, such as simplified money handling and budget tracking.

Parents often find prepaid cards a welcome financial convenience to share with teens. The prepaid debit offer parents the peace of mind of knowing that their college students will never be short on cash should an emergency arise or without money to purchase everyday needs. The prepaid debit cards can also help parents teach smart money management techniques and financial responsibility. The prepaid debit cards also provide a safer alternative to cash while traveling. Unlike cash, which is gone if lost or stolen, the prepaid debit cards can be deactivated in the event of loss, preserving it's balance. It also eliminates the inconvenience of money orders and check cashing services for frequent users of cash.

The inherent security of the prepaid debit card can be significant that include parents funding college expenses or wanting to control and monitor the spending of their college students; giving consumers a safe way to make online purchases; or providing a mechanism for small business owners to and track petty cash for employee expenses, it's is simply an ideal solution for people that prefer to use cash rather than other means, for those wanting to control spending and for those who need more tangible security for their money. The prepaid debit cards is NOT a credit card and therefore does not give access to a credit line. Consumers use only the funds that are loaded on the prepaid debit card account.

The available prepaid debit cards & payroll cards with Prepaid Wireless Direct Call Today Toll Free 1-877-947-3577: www.prepaidwireless.2ya.com or www.prepaidwireless.payallbillshere.com

Bill Payment & Cellular Services, Plus Complete Prepaid Debit or payroll loading Card Station Includes: Access MoneyNow, ChexCard, Digital World Global Card, e-Money Now, Global e-Cash, InstaACCESS, gKard, DuoCard, Protege, Ultima, V2, Morgan Beaumont, IPS - Global Card.

Those cards can be loaded with our Complete Bill Payment Service System at merchant retailers locations that wish to greatly increase their revenue, generate more walk-in traffic, attract new business, and provide a valued customer service.

Call For More Infomation:
1-877-947-3577
877-WireLSS

www.prepaidwireless.2ya.com
www.prepaidwireless.payallbillshere.com

Merchant Retailers Target Customer Segments For Bill Payment Services & Systems-Prepaid Cellular

Merchant Retailers Target Customer Segments

Global sales of cell phones will reach nearly 800 million this year, annual tally will surpass 1 billion in 2009., also estimated 2.6 billion mobile phones will be in use by the end 2009.

Historically, prepaid programs have targeted poor-credit to whom carriers would refuse postpaid services. These customers represent one-third of the U.S. population and make up a large percentage of the under-penetraed segments. Their credit history usually prevent them from abtaining a cellular phone. In addition to the low-credit customer, there exist customer segment for which the prepaid plan structure is inherently attractive. This overall market potential is larger and more diverse. The identified five additional major target segments. On the consumer side, 1) occasional users, 2) young adult users, and 3) the Hispanic market are ideal prepaid customers. On the business user side, 4) small business owners and 5) transient business travelers represent attractive segments.

Bill payment services center by Prepaid Wireless Direct are completly safe, reliable and underwritten by an F.D.I.C insured bank, the trused bill payment services system of leading merchant retailers electronic bill payment system center services walk-in customers. Click Here or on Below Links.

http://www.prepaidwireless.2ya.com
http://www.prepaidwireless.payallbillshere.com
877-947-3577
(877-WireLSS)

Bill Payment Service-Bill Payment Centers. Merchant Retailers Standing Above The Crowd With Innovative Bill Payment Services.

www.prepaiddirectwireless.com Complete Bill Payment Services Center For Merchant Retailers. 877-947-3577


In today's highly competitive retail business environment it is critical to find ways to separate yourself from the other merchant retailers. Here are strategies that can help you accomplish this.

Virtually every merchant business person has specific goals they are striving to achieve. These can include everything from increasing their market share and sales, to reducing operating expenses, to streamlining the business, to incorporating new business practices. Prepaid Wireless Direct bill payment services is one such product that help merchant retailers achieve specific goals for innovative businesses.

Bill Payment Services & Prepaid Cellular Services can help merchant retailer business owners achieve their target goals.

BE INNOVATIVE. Join the bandwagon of emerging concept for merchant retailers.

Most companies do business the same way until a crisis.

For more Information Complete Bill Payment Services go to: www.prepaiddirectwireless.com

www.prepaiddirectwireless.com

Call: 877-947-3577
(877-WireLSS)

Complete Bill Payment Services That Offers Major Prepaid Cellular Services To Help Merchants Reach The Unbanked.

Click On Link To Go Web Site: www.prepaiddirectwireless.com 877-947-3577 or (877-WireLSS)

Complete bill payment services system that offers different major cellular services to help businesses to help merchants walk-in customers, toll free number have been up-dated 877-WireLSS or 877-947-3577.

The Wave Of The Future, the SMART Solutions.

Think about it. This is all about how to increase traffic by deploying innovative strategies to make retailers more competitive with greater option innovations in technology, that hold the promise of generating additional capital to allow retailers to compete more effectively and allow merchants to be more effective pursuing the detail of retail. The new technologies involves no upfront cost, monthly fees or inventory costs.

It' s not how SMART your business are, It's HOW your businesses are SMART!.

For More Infomation Go: www.prepaiddirectwireless.com

PH: 877-947-3577

Technologies that's Powering Merchant Retailers. Bill Payment Services & Prepaid Cellular Phones Plans

WALK-IN BILL PAYMENT: Done regularly by 35% of American households, can now be delivered with a simple web based solution, driving significant new store traffic and revenue for store retailers.

PREPAID CELLULAR PHONES: Prepaid cellular phones are one of the most intriguing recent developments in wireless service. Prepaid wireles cellular services is currently being offered by all the major cellular services.

Prepaid cell phones are typically very attractively priced. They often cost less than $100 and are sometimes accompanied by deals, such as rebates, a starter phone card for some nominal amount of air time, or a variety fo phone accessories.

Prepaid cellular phones, unlike their more conventional counterparts, do not require a commitment to a monthly service plan. Instead users prepay for air time much as they might buy long-distance phone cards. Prepaid cell phones are of substantial interest to users who might like to have a cellular phone for occasional use--for unexpected roadside emergencies, for example. But if your customers just want th have a cell phone as insurance, it can be irritating to pay a conventional cellular telephone bill of $20 or $30 a Month, month after month. For this type of user, prepaid cell phones may seem quite attractive.

PREPAID DEBIT CARDS: Currently a $600 Million market, expected to grow to over $5 Billion by 2007. Merchant store retailer should be issuing a branded card, and offering universal refill similar to the Prepaid Wireless Model.

For More Information Go To: www.prepaiddirectwireless.com

877-947-3577 or 877-WireLSS

www.prepaiddirectwireless.com

Bill Payment Services & Cellular Services. Merchant Retailer Becomes Banks For The Unbanked.

Merchant Retailer Becomes Banks For The Unbanked.

US socioeconomic trends have caused a significant upswing in the demand for new financial instruments and offerings, focused on the Unbanked. Consider:

31 Million US individuals over age 20 are seen to be as having a "poor credit" rating (Morgan Stanley)

34 Million Americans are living in poverty (US Census 2004)

Over 9 Million US households do not have bank accounts, or 40 Million individuals (FiSCA)

50 Million US adults don't have credit cards (Pelorus Group)

20% of US Households pay bills in person (Prepaid Direct Wireless)

This population visits merchant store retailers just like the rest of America, but retailers are not satisfying their needs today. However, the electronic bill payment services & cellular services can now be leveraged to deliver and process these new services, including but not limited to:

PREPAID WIRELESS: This market has exploded from $4.5 Billion in 2000 to over $23 Billion in 2004 driven by youth, minorities and "unbanked" customers.

PREPAID DEBIT CARDS: Currently a $600 Million market, Pelorus Group expects it to grow to over $5 Billion by 2007. Next Estate reports that 65% of Prepaid Debit users are under 35 years old.

WALK-UP BILL PAYMENT: Prepaid Direct Wireless reports that 20% of American households regularly pay their bills in person

For More Information Go To: www.prepaiddirectwireless.com

www.prepaiddirectwireless.com
Call Now: 877-947-3577 or 877-WireLSS

Bill Payment Services & Cellular Services.

Bill Payment Services & Cellular Services web technology is becoming very important in any retail infrastructure. There's plenty more web-enabled services to come. There will be an explosion of integration points in the merchant retail stores. Bill Payment Services & Prepaid Cellular Services is the start of the merchant retail technology future wave.

For more infomaiton: www.prepaiddirectwireless.com

www.prepaiddirectwireless.com

If we can help you in any way, please do not hesitate to contact us! (877-947-3577) or (877-WireLSS)

Bill Payment Services & Prepaid Cellular Services. Bridging The Financial Services Digital Divide. The Wave Of The Future For Merchant Retailers!.

Enhanced Customer Service - Closing The Loop

Advanced Bill Payment Services Solution is designed specifically to allow business owner or retailers, to greatly increase their revenue, and provide a valued customer service.

This Bill Payment Services product is rapidly becoming know as the next generation bill payment system within the financial services industry.

In the past, it has been necessary for an "un-banked" or "non-banked" customer to purchase a money order, or multiple money orders, to pay their bills. Nearly one billion money orders are sold annually for this purpose. Retailers were able to sell the money orders, but that's where the customer service typically ended and due to competitive pricing very little revenue was generated for the retailer. After the purchase, a customer would then have to complete each money order, stuff it into an envelope with the bill stub put a stamp on it and then find a post office to mail it. The financial services industry has been working toward closing the loop and improving the speed of this process for many years.

Prepaid Wireless Direct offers merchant retailers the ability to accept a customer's bill payment monies and forward them to the correct biller, any billers. The Merchant Agent Retailer will gain the privilege of seeing that customer again and again, month after month, Again, monthly visits to the retailer become the norm, it becomes a habit!.

For more information: www.prepaiddirectwireless.com

www.prepaiddirectwireless.com

If we can help you in any way, please do not hesitate to contact us! (877-947-3577 or 877-WireLSS)

Bill Payment Services & Cellular Phone Services. Technology The Key To The Future For Merchant Retailers.

Bill Payment Services & Prepaid Cellular Services will become the standard implementation for retailers, because there's no direct cost to the retailer, what retailers are trying to do is eliminate that paper and do all business electronically. Bill Payment Services & Prepaid Cellular Phone services is one such product, its defined as the exchange of business information from one business computer to another with little or no human intervention, which ultimately can increase profits, streamline operations, improve product delivery, reduce inventory levels and reduce operating costs. This is the wave of the future retail store technology standards.

For more information: www.prepaiddirectwireless.com
877-947-3577

Bill Payment Services & Cellular Phone Service: U.S. Merchant Retailers Are Making The Move To Direct Prepaid Cellular Services. No Inventory Costs.

U.S. Merchant Retailers Are Making The Move To Direct Prepaid Cellular Services. No Inventory Costs.

Merchant retailers in the United States have been slower to adopt no inventory transactions, also known as PIN activation delivery, than European and other international counterparts. But the value proposition for merchant retailers to implement prepaid cellular direct solutions is very compelling. The general perception within the industry is that most merchant retailers are moving in this direction, and direct prepaid cellular services top-up will soon become the industry standard.

Prepaid cellular services is established as a fast-growing alternative option for consumers today.

By eliminating hard cards and replacing them with direct prepaid cellular programs, gives merchant retailers the ability to curb potential fraud and theft of inventory is reduced substantially if not almost entirely, plus merchant retailers will carry every cellular provider and we mean every provider pin or card without any costs. The SMART Solutions Made For Smart Retail Businesses. The Wave Of The Future.

Ease of use

Prepaid cellular top-up also provides a better overall customer experience, since there is no further requirement for the subscriber. Subscribers now appreciate the ability to put whatever dollar amount they wish onto their prepaid cellular phones, plus totally control costs as they pay as they go, better known as No Contract Wireless.

Best foot forward

Real-time electronic prepaid services will become the new industry standard for merchant retailers.

For More Information Go: www.prepaiddirectwireless.com

Ph: 877-947-3577

Bill Payment Services & Cellular Phone Services Brings Action In The U.S.A

Bill Payment Services & Cellular Phone Services alike want to bring a wide variety of choices to their customers and are demanding the availability of all of the various wireless programs. Merchant retailers want to see more market penetration because of better rate plans being offered through Prepaid Wireless Direct. Retail licensing provider of Bill Payment Services & Cellular Phone Services providers technologies.

With the market demanding a wider choice of products, prepaid distribution companies (especially those using POSA and electronic distribution) are far better positioned to bring on new competitive products and services to merchants retailers. With POSA and electronic distribution, merchants have 24/7 uninterrupted access to a wide variety of prepaid wireless programs. In addition, with POSA, merchant retailers and business owners are not required to invest capital in inventory.

Partnering with Prepaid Direct Wireless bill payment services & prepaid cellular services networks utilizing POSA technology or web based to deliver products to market presents a great advantage for business owners. These retialers can simply add the bill payment services & cellular phones services products to their system, thereby providing their customers with a greater choice of servicesl. Literally overnight an merchant retailers can be selling prepaid wireless cellular phones services & bill payment services to there doors thanks to Bill Payment Services, POSA and electronic PIN distribution technology.

Prepaid wireless & bill payments services will clearly becomes the most dominant sector of the prepaid marketplace. The Wave Of The Future!. The SMART Solutions.

For more information: http://www.prepaiddirectwireless.com
Ph: 877-947-3577

Bill Payment Services & Cellular Phone Service Solutions Bring In Customers and Commissions For Merchant Retailer.

Merchants are finding that adding bill payment solutions to their platform is greatly adding to their foot traffic and revenues. Additionally, go-getting retailers are making profits by being in the loop with customers by offing Bill Payment Services & Prepaid Cellular Phone Services. Bill Payments Services & Cellular Phones Services will be the best thing happening for merchant retialers. For More Information: www.prepaiddirectwireless.com
877-947-3577

Bill Payment Services & Cellular Service Providers. Brings Repeat Customers, with Minimal Effort for Merchant Retailers. The Wave Of The Future.

Merchant business owners the fact is plain and simple, that the only way grocery stores, wireless stores, and Gas stations, for that matter, are going to reverse this trend is by being willing to make fundamental change in how they operate, business owners must find creating compelling and innovative experiences that will appeal to their customers and bring them back again and again. The trends won't change all on their own. Retailers looking to compete need to be both aggressive in their vision. Bill Payment Services & Cellular Service Provider is one such service the will bring repeat customers, with minimal effort.

Please visit our site for more information on the "Pay All Bills" solution, at http://www.prepaiddirectwireless.com/
Ph: 877-947-3577

Bill Payment Services & Cellular Phone Service. Merchant Retailers Add a Profit Center and More Customers!.

Add a Profit Center and More Customers...

Hello again,
Did you know that the market for "Pay All Bills" is diverse, and
yet all of these groups share at least one thing in common, they provide
services to their existing members and attract new members with
services to which they may not otherwise have access.
-- Ministries
-- Pawnshops
-- Convenience Stores
-- Mail / Package Centers
-- Check Cashing
-- Payday Loan
-- Neighborhood Markets
-- Employee Benefit (low cost service for employees without checking
accounts)
-- Supermarkets

We value the members of our market, and look forward to working with
each group and individual to enhance the overall value of this service,
and the relationship that we will gain from our association.

Please visit our site for more information on the "Pay All Bills
" solution, at http://www.prepaiddirectwireless.com

Ph: 877-947-3577

Give Them A Reason To Return To Your Store. Bill Payment System & Cellular Phone Service.

Remember that as a payment agent you will be able to accept cash payments from customers to pay any biller or provider, anywhere. Becoming an agent will drive traffic to your location as your customers will return frequently to pay all their bills and load their debit cards each month!, plus your customers can recharge their prepaid cellular service. Bill payment system & Cellular phone service. The Wave Of The Future For Merchant Retailers!.

Please take a moment to go web site: www.prepaiddirectwireless.com
Call for more information: 877-947-3577

Cellular Phone Services & Bill Payments. Attention, All Merchant Retailers.

From... Grocers: The New Easy System For The Read Ahead. Cellular Services & Bill Payments.

"Managing and reducing costs is the only way for retailers to survive against all of the competitive threats to the industry. There is only so much labor to be reduced; only so much to be gained from benefits and insurance; operating expenses can be tightened only so far. However, the average food retail company could increase their gross profit by 1.3% by eliminating the waste in the supply chain. As an industry, this is a $20 billion opportunity. Companies who have adopted these principles have had tremendous success in lowering the cost of product, while increasing their net profit, which ultimately benefits the consumer. They have better in stock, lower inventory costs and higher productivity. CPFR.Org has case study after case study, pilot after pilot, which have proven the model. Therefore, I ask the question. Is Wal-Mart really the problem?" "Along with adopting the core strategy of meeting consumer need for basics at a lower price, Wal-Mart early-on committed to investing in the business at a higher rate than competitors. The example often cited is 'the supply chain,' but the core underlying investment that made the difference is their investment in technology. RetailLink is only possible because the investment to do large scale data processing internally (rather than relying on the reports and revenue stream of syndicated data suppliers) was made. Of course this IT investment was supply chain oriented -- but the point is that others couldn't get better because they wouldn't spend the money to get smarter. "There is an underlying parallel here with the comments about independents and their willingness to invest personal and human capital in being in their stores, developing relationships with their employees and customers. That parallel is the willingness to INVEST in something other than quarterly earnings statements. Gaining a competitive edge requires differentiation to be sure, and differentiation requires ideas. But ideas are worthless without investment. Simply stated, we don't get better because we won't pay the upfront price."

For More Information: www.prepaiddirectwireless.com
877-947-3577

Bill Payment & Cellular Services. Encouraging Innovation in Retail Technologies

Bill Payment & Cellular Service. Encouraging Innovation in Retail Technologies!

How can retailers reduce their risk when adopting innovative new technologies?
I think most of us would agree that innovations in technology enable innovations in retail. Whether they drive increases in sales or reductions in cost, they hold the promise of generating additional capital to allow retailers to compete more effectively.
There are mature solutions in the market that would benefit many retailers today because they allow them to be more effective pursuing the detail of retail. However, to be successful, retailers need to follow their own vision in their marketplace. And that may warrant consideration of new solutions that specifically enhance their competitive positioning.
The choices:
Be very selective in building your own functionality for market differentiating capabilities
Selectively customize packages from solutions providers who are active in your segment of the retail market
Partner with an early stage solutions provider who shares a common vision with you about how your business can win in your market
There are pros and cons for each and arguments for combinations of the above. But I want to focus on the 3rd option because it is most frequently counted out as an option.
Instead of the knee jerk reaction that says "I'm not going to be the one to pioneer these new systems and take the arrows while the vendor then sells it to the rest of the world and leaves me high and dry with an unsupportable early release of the system," lets ask the question, "Under what circumstances would you, as a retailer, take the risk of being an early adopter for a solution that would provide you with competitive edge?"
Think about it. If someone came to you and offered to sell you a solution that (a) you knew would give you a leg up in the market, (b) was not currently available by any solutions providers, but (c) was not currently installed at a major retailer’s site, what criteria would you want to satisfy to reduce the risk involved in this offer? And please, you need to be reasonable because many of these young companies are comprised of people like you and me who have mouths to feed and mortgages to pay.
Think about it. Are there standards they should adhere to? Are there financial commitments they should make? Should they partner with or be sponsored by more mature solutions providers or integrators? Should there be guarantees of support for periods of time?
Think about it. What role should you as the retailer play get the most benefit out of working with an emerging technology company?

www.prepaiddirectwireless.com
877-947-3577

Research, analysts and rumors say 2005 and beyond is going to be the year of wireless. The sentence probably assumes a different meaning in different places, but no matter where you hear it… it doesn’t lose its relevance.

Wireless is (in Asia and Europe) and is becoming (in the North America) a part our everyday life. With mobile phones we can check our bank account, take and send pictures, purchase a plane ticket, pay the parking fee, watch the goals of our favorite football team and (even!) get in touch with other people. Although, from a linguistic point of view it might sounds like a paradox, wireless connects our lives, as Nokia brilliantly states: “Connecting People.”
It’s called “mobile,” but this world of business opportunities is here to stay and to become more and more strategic for carriers, content providers and brands. Yes, brands. Because wireless, like any other media, could also be a powerful marketing means.
Wireless Marketing Magic Words
Let’s go straight to the point. It’s not difficult to understand why marketers should like so much wireless: it allows a direct, and personal communication, hypothetically anytime and anywhere. Direct and personal, in particular, are the magic words every marketer likes to hear.
But, since they are magic, they must be handled with care. As you might have (also) learned watching The Lord of the Rings, what is magic is usually powerful but very dangerous if used in the wrong way. Wireless marketing is no exception. It can either please or annoy a consumer; it can consolidate but also destroy a relationship between a brand and a prospect.
Wireless devices provide marketers with powerful tools to connect with their target public, but they need to learn playing by the rules. Avoiding this fundamental assumption, the risk is to compromise forever a promising communication channel. And with more than 159 million mobile users out there (by the end of 2004, according to eMarketer), this is a kind of risk no brand can bear to take.
Let’s explore in detail the characteristics of this media that make it so appealing to marketers.
Wireless Communication Is…
Personal. A mobile phone is a very personal object. People like personalizing it with ring tones, screensavers and logos and rarely lend it to others, not even family members. But most of all, the phone number is like an ID card, it identifies an individual, providing marketers with the possibility of a precise message targeting like never before.
Direct. Wireless communication is person to person, or, in this context, it’s a company-to-person communication. There is no intermediation: there is no press, no distributor, no retailer between the brand and its consumers. What you say is what they get, almost immediately.
Immediate. It depends on the number of messages you send out and on the traffic level on the carriers’ networks, but it’s usually a question of minutes, even seconds. As soon as you send out a message, users receive it. It has a point of no return, but you can also take an impressive advantage by the speed of this communication, delivering the right message at the right time (and to the right person, of course…).
Reliable. You have the chance to know and monitor when a message is delivered. It can be an expensive solution, and it will double to cost of your campaign (because you pay also for the communication from the user’s mobile phone to your system) but it if you really want to know it, well… you can.
Two-way. Like on the Internet, wireless allows a two-way communication: you can talk and you can listen to your costumers, and you can even engage them in a relationship with your brand through a direct and personal interaction.
Measurable. Wireless provides you with means to monitor your campaign with extreme precision. You can quickly measure the response rate and also the response time, and you are therefore able to immediately evaluate and adapt your messages and marketing strategies.

www.prepaiddirectwireless.com
877-947-3577

Bill Payment & Prepaid Cellular Services Offers New Revenue Source

Every once in a while a product comes along and revolutionizes the way we do business. Electronic online bill payment Service & cellular phone services is one such product.

No Lease or Lease Company Hassles!

Welcome to the future of Bill Payment & Pre-Paid Services!The Advanced Electronic Bill Payment & P.O.S. Activation System.

Now you can cash in on the Multi-Billion Dollar Walk-In Bill Payments & Pre-Paid Industry.

With your businesses having Bill Payments & Prepaid Cellular Services Direct, your customers will quickly and easily top-up their accounts, from prepaid or, monthly cellular phone service airtime, RECHARGEABLE long distance phone cards, to Customers Paying All Or Any Bill In Your Retail Merchant Locations.

This platform enables a merchant to act as a payment agent, allowing their walk-in customers to pay any or all of their bills at the merchant's locations. Walk-In Bill Payments Service will enhance merchant's ability to increase their walk-in traffic, increase their revenues, and accept payments anytime, anywhere, in any fashion to any biller.

We support many types of transactions from prepaid purchase to bill payment to account inquiry and withdrawing money many and we provide those transactions for many types of devices and systems, including , POS/merchant systems, prepaid mobile phones, debit cards, Internet and telephone banking, and credit card transactions.
The convenience of this electronic transaction is unparalleled.
The prepaid wireless service offers pay-as-you-go options via a point-of-sale terminal at the retailers counter.
This service allows retailers to top-up all types of customers prepaid services and more!, in addition will recharge wireless phones on-line in a matter of seconds, without the risks and issues associated with stocking scratch cards.
This dynamic service was created in response to the growing demand for prepaid services across the U.S.
Prepaid Wireless Direct service providers have the solutions to the problem of prepaid services.
Historically, the delivery of prepaid cellular services has been achieve through physical cards (often called "vouchers"). Retailers of prepaid card services are with high cost inventory, because of multiple face values from multiple providers companies, theft risks, space requirements and inventory management, not any longer with Prepaid Wireless Direct POSA solutions that eliminate retailers risk and distribution cost, plus your location earn more per sale, this is our direct new business solutions to help the retailers of the future.

The concept of contract wireless is foreign to no one. What consumers seem to have forgotten is that they are locked in to one and two year contracts giving them little choice after they accept the terms of such agreements, not such with prepaid cellular. The only difference between prepaid wireless and contract wireless is that your customers are in full control. It is time your customers discover what other subscribers around the world have known for a while: Prepaid Wireless is the best alternative, it is the future of wireless.

Web: http://www.prepaiddirectwireless.com
Phone: 877-947-3577

Prepaid Cellular Service & Bill Payment is Alive!.

This year, several well-known prepaid companies have filed for Chapter 11. Other companies have avoided reorganization and have drastically scaled down their operations.
Court bankruptcy documents from prepaid companies read like chapters from the same book. While the paths to demise differ somewhat, each includes millions of dollars owed to major carriers like Verizon, Qwest and Sprint. Other debts listed include hundreds of thousands of unpaid dollars to distributors, printers, software providers, as well as peripheral companies like Federal Express.
Analyzing the scene
It's not that bankruptcies are a shocker in the prepaid industry. The market has had more than its share of fly-by-night companies that have gone out of business. But when larger companies go down, many begin to wonder: Is this a sign of bad things to come for the industry? What will happen to those left standing? The answer to those questions is very different depending on who you ask.
"Prepaid is still a very good business," says Ariel Charytan, vice president of VCG Telecom and Epana Networks, an international carrier, New York-based CLEC and provider of prepaid cards. "But it's a nontraditional business, and you have to have technical complexity to be successful."
He says companies go down because they grow quickly with strong marketing teams and rock-bottom prices, but they don't have the systems in place – technological and back office – to keep the business profitable. The bottom line, Charytan says, is that many companies are not making cost-efficiency changes that will save money as sales increase. Still, for the businesses who do business right, there is plenty of market share to be gained, he says.
Market forces
On the other hand, Mark Rubenstein, CEO of EZ Rewards, says these bankruptcies are a sign that the industry can't and ultimately won't hold up under cutthroat price wars and attrition in the domestic market due to competitive wireless services. "I think you are going to see three to five major companies making serious moves into consolidation of market share," Rubenstein says. "We have been forced into offering mostly cellular, which is a very low-margin item. Prepaid phone card volume has dropped by significant percentages."
The fact that many companies don't maintain fair accounting practices just makes matters that much worse, yet that's been a problem that has existed since the first handful of companies hit the streets with cards in the early '90s, he says. "When you sell a product at a discount," says Rubenstein. "The right way to deal with the money is to take it and put it in the bank. Then whatever is left after the expiration is profit. Carriers are not actually doing that. It ends up they are playing one dollar against the other."
Lessons to learn
Whether it is poor business practices or a shrinking market causing the most recent shakeups, most in the industry agree that survival means understanding where their colleagues fumbled along the way.
In reviewing court documents from various companies, there are common scenarios. In some cases, staffing ramped up to handle sales, but anticipated sales never resulted. Inevitably, industry rumors started swirling, and confidence eroded among distributors and retailers.
Some companies invested heavily in switch equipment and software – the list of unsecured creditors tells the tale. At some point, cash flow can't keep up with unpaid bills. Then there are the carrier bills – usually large sums are owed. By this point, there is little choice left but to file for bankruptcy protection.
One thing that remains clear in the prepaid industry is that customers look for specific brands that they know, says Dr. Judy Reed Smith, CEO of the market research firm Atlantic-ACM. That's proven by the fact that companies that buy smaller businesses often maintain the brands they buy.
Companies that continue to operate under Chapter 11 reorganization have to gamble that they haven't burned too many distributors and customers to retain street credibility on their brands. They have to convince distributors that the problems stemmed from honest miscalculation and misguided business planning, rather than deliberate deception. As one distributor describes card providers in general, "In this industry, you never know who is trying to pull one over on you."
Star's decline
One established master distributor, Star Telecom Network Inc., was brought down through its relationship with Enhanced Global Converged Systems (EGCS), which was a wholly owned subsidiary of TECNET. When TECNET filed for bankruptcy, Star at first believed it could survive by paying the carrier bills directly to the courts, which it did, according to an ICN interview (July 2004) with David Eisenstadt, CEO of Star. The company knew the important thing was to keep the brand alive for its distributors and customers on the street. During that interview, Eisenstadt reported that he had just barely saved his company and had switched its minutes to a more stable Global Crossing.
Yet somewhere during the switch, something went wrong because Star filed for bankruptcy on July 14. Repeated calls to Star's Woodland Hills' office yielded endless ringing without voice mail available to leave a message.
Star's story is especially surprising as the company has been around since 1995, and Eisenstadt had a good reputation as an established master distributor. According to observers, one thing that Star clearly got wrong along the way was not checking the financials of a provider before jumping into a deal.
Speaking generally about the business of telecom, Rubenstein cautions, "Pay attention to who the network service provider is. Check its books. See if they really have any money or if they have contingent liability accounts."
Placing trust too easily in partner companies can be a problem in the telecom industry as a whole, says Rubenstein. "Our company has narrowed down to using one carrier. We've thoroughly reviewed its balance sheets. The company is profitable, and it's a diverse company. I have had two (providers) fail over the years, but we have never had a card die."
Remains of the day
While bankruptcy stories are harrowing, they are not necessarily bad news for remaining players. For distributors, there are fewer providers, but those who remain may turn out to be the reliable ones. Charytan says the providers that can survive will gain more market share and build more reliable businesses. "From day one, we have done business in an honorable way. Every time one of these companies leaves the market, we end up gaining market share. There are other companies that remain as well, most notably IDT. They have a very strong presence."
Staying in business requires paying the bills to carriers and distributors alike. It also means having a savvy enough business to tread international terrain. While cellular eats away at the domestic prepaid card industry, cards are still a main source of communication internationally. Among the long list of unsecured creditors in numerous filings are many European telecom carriers including France Telecom and Telenor Global Services of Norway.
"It's easy to run a U.S. phone service," says Charytan. The trick that many companies don't get, he adds, is how to cost effectively and technologically deal with serving different countries with different financial and reporting systems while still maintaining a margin.
"There are a lot of international regulatory issues," Charytan says. "You might be a good marketer, that is, sell cards on the streets with good campaigns, but if your back end is not strong, you won't make it. It's important to run an organization that can manage millions of details effectively.
"When we got into the prepaid market," Charytan continues, "India was selling at 28 cents per minute, and there was no mobile. There was little room to screw it up. Fast forward a couple of years, now you can get it for 6 or 7 cents. Volume has gone up, but you have all these different carriers there. An outsider would not understand that."
Rubenstein agrees that dealing in the international market is hard, but necessary. "The international marketplace is a dangerous game," he says. "Prices from the master carriers change, and cards go upside down overnight."
Atlantic-ACM's Smith agrees with Charytan and Rubenstein. "While prepaid wireless is expanding, prepaid cards will not grow over the next few years," Smith says. "But if prepaid carriers do clever partnerships and consolidate, they can survive and do well in the prepaid market."
Smith also points to the success of IDT and says the company is an example of how to survive in the industry. "IDT continues to grow through internal leveraging of its telecom and distribution networks combined with opportunistic external purchases," she says.
However, if consolidation is inevitable, those companies that will either buy or be bought will have to stabilize now, avoiding the pitfalls along the way.

http://www.prepaiddirectwireless.com
877-947-3577

The Wave Of The Future! Bill Payment & Cellular Service Providers Technologies

The Wave Of The Future! Electronic Walk-In Bill Payment Services & Cellular Phone Services

Here's How Retailers Are TurboCharging Their Businesses For The Road Ahead With Walk-In Bill Payments/Prepaid Wireless Cellular Phone Services, Plus More!. Your Niche To Compete With The Superstores, By Defining Merchant Retailers Into Need Fillers!.

Wireless Direct Now Offers Electronic Bill Payment Service; Retail Licensing Provider of Bill Payment Service & Cellular Providers Services Technologies.

Shorewood, Wisconsin -- The electronic age has been bridged by a new electronic bill payment service now offered through Wireless Direct, Solutions for Retailers. The service is called Pay All Bills and provides "one-stop" convenience for anyone needing to pay any bill.

The entire process is completely safe, reliable and underwritten by an F.D.I.C. insured bank. Rather than purchasing a money order, finding an envelope, purchasing a stamp, and taking the bill to the post office, a person, by taking that bill or statement to Merchant Retailers, can become an established bill payment customer and pay any bill that is payable to any biller. The entire bill payment process is completed at one convenient location. The Pay All Bills system is a nationwide, Internet based solution allowing Merchant Retailer Customers to make it an easy choice for any person to pay any and all of their bills, month after month. The system utilizes relationships with thousands of commercial billers in various industries that have agreed to accept payments electronically. Additionally, any biller not currently participating in our electronic network will be contacted by the service to discuss details about how their business can become eligible to receive payments electronically, thereby enhancing their customer service.

Time frames for payment settlement vary between billers, most as quickly as two business days, depending on whether the biller can accept electronic remittance. Even if a biller cannot receive an electronic payment, still forwards the funds to the biller.

"This process has been well received by billers and customers alike," said Kirk McLaughlin, CEO, Bank, Ralls, Texas, owner of the bill payment software. "Inexpensive electronic bill payment has been reserved for those with a bank account, until now. We are pleased to offer to individuals that do not have a banking relationship a way to conveniently pay bills, too," added McLaughlin.

More information about this service can be found at: http://www.prepaiddirectwireless

Contact: Office Manager
Communications Director
DirectBox 71101
Shorewood, Wisconsin
(877) 947-3577 (toll free)