As an online marketer, you will come to experience situations where you really need to buy a product but your transaction just wont go through despite your card being valid and still active.

This problem is very common with many online merchants and it surprisingly does not affect everyone but a selected few. It can happen to you when you are trying to buy membership into Empowerment Network, Xplocial, The Wealthy Affiliate University, etc...

When this happens, all kind of thoughts are likely to run through your head and when, they overwhelm you, you simply conclude it is probably for the best & you just avoided being scam. There are those few individuals that wont simply quittrying to figure out why the merchant wont simply accept their money. You will probably go mad and start droping all sort if profanity like "just accept my money my money b!tch!!!!" Well, I know Jesse Pinkman would say something along those lines. 

Don't worry and quit just yet until you had tried some of these tips. 

First you will want to establish that the problem is not with your credit card. Call your bank or credit card company and ask them to verify that your card is still active and if they can detect any activity related to declined transactions. Also ask them about the card online purchasing limit just to make sure you stay within. 

You should also check and verify that the credit card information you entered are correct. Then contact your merchant and ask them to check and investigate. You must always contact them via their support email and live chat if they have one. You are probably not going to get much help from them but the least they can do is to delete your credit details so that you can enter them again. Also ask them to escalate the query to their technical department. Also ask them to wipe your checkout bucket clean and load it again with the product you are buying. 

If your card is still declined, then its about time to contact your merchant credit card processing company. The one you want to contact has to be provided on the checkout page by your merchant. Some of the most common credit card processing companies are Flagship Merchant Services, Merchant Warehouse, Chase Paymentech, Allied Wallet, Ignite Payments, PayPal, etc

Go to your merchants preferred credit card processing company website and head straight to their support page. You can read their FAQ page later. Look for their email & send them a quick email explaining your problem. Also start a live chat session if they have one and ask them to escalate your issue to their support page. 

You don't want to call any of these companies because you will end up losing lots of money. Calls might be redirected to call centers in India first and you will have a hard time trying to figure out the accent. 

If you have not yet exhausted your payment attempts for the day which is normally 5 times, use a different browser on the same computer to make the payment. 

If it is still declining, whip out your smartphone & try paying from two different browsers. 

If it is still declining, go to another computer on a different network like at your friends place and try paying from there. 

If none of these methods help you, the last resort will be to cancel your credit card and apply for a brand new one. 

If you have had problems with a merchant declining your credit card, use the comment section and share your experience. We might just learn a thing or two. 

I am pretty much sure that some peoples are struggling to earn money online. If you are so desperate to earn your 1st check, you should take a look at online paid surveys. I have come across a number of articles where by paid survey sites are ruled out as scams. I am sure that if you have searched the web for online paid survey scams, you must have come across things like “paid survey sites are scams because they con you into buying lists which one can get for free” well…I do not know where you stand on this but try searching for some of these companies yourself, you might end up with nothing.

Let me just say that I personally believe that paid survey sites are not necessarily scams because there goes a lot of work into identifying and obtaining details of those particular organizations willing to pay their consumers for their opinions. Those who maintain these sites are simply trying to get paid for their hard work. The sign up cost most survey sites charge is a bit high but it is also justifiable.

Most of the survey sites you will come across will say that you can earn up to $100 per day which can be true if you had registered with most of these companies. Remember that the more companies you sign up with, the more survey invites you receive which in turn means, your daily/weekly earnings will increase. Since the companies are a lot, It would be wise to open up another email account specifically for the use of these surveys because you will get lots of invites which will most likely flood your inbox.

I decided to go through the trouble of finding some of these companies of which the majority are based in the US & Canada. The list is absolutely free and I should warn you that I cannot be held liable for any mishaps that you encounter. Take your time and go through the free paid survey site list and decide for yourself the companies you want to join.

ACOP - International
BigBuck Surveys - US
Consumer Expressions - US
ECN Research - US
Global Survey Group - US
Global Test Market - International
Home Business - Online Profits Now - US & Canada
Ipsos i-say - US & Canada
Survey Matrix - International

The rest of the list can be accessed here

Most people will type make money online or any other related search query in search engines hoping that they will find a plug and play earn money online program. Guess what, it does not work like that even when the ads say automated affiliate website or automated money making machine. You will still need to do some work to get that monthly check rolling in.

ClickBank is a website where vendors and affiliates meet. On ClickBank, one will find digital products such as eBooks and software’s. The most important part is that it takes only a few seconds to register. Once you become a member, you can start promoting any product of your choice. The market place has many products and picking one is easy. All you do is create a hop link (this is your personal affiliate link) and that is it, you are ready to start earning money online.

The relationship between ClickBank and its members is so strong such that they have always paid their affiliates on time. Payouts vary depending on the commission of the product one choose to promote. Commissions can be as high as 75% and as long as you keep people finding and buying from your affiliate link, your commission will keep coming in.

Driving visitors to your affiliate link is the most important thing because if you don’t have web traffic, you won’t get paid. There various ways of promoting your affiliate link. Common practises include setting up pay-per-click campaigns, writing review pages (also called sales/landing pages), and writing articles.

If you are using articles, make sure that you have review pages also. Your articles need to link back to your landing pages. This will help your pages rank better in search engines results. It is also important that you learn a little bit of SEO (Search Engine Optimization) & SEM (Search Engine Marketing), it will help you out big time. If you are a ClickBank member, click here to join.

NB!
Do not be a greedy affiliate and promote all sorts of junk. Choose products that are really going to help people out. The last thing you want them doing is asking for a refund and this will hurt your income.

Earn Money Online is dedicated to teaching you how to earn an online income.

Making money online is another way of supplementing your income. There are many ways of earning a decent income online; this includes legit ways and scams. It is very important that you do not fall prey to the many scams out there. Scams are the main reasons as to why you need to choose the right programs that will work for you. For starters, blogging is probably going to be the easiest place to start.

More how to make money online post to come.