Payment Processing for Web Design and Development Industry

Web Design and Development companies have increased in popularity as the digital age continues to grow. DigiPay Solutions has created a Web Design and Development report with additional important information about setting up a merchant account, controlling chargebacks, managing risk, and keeping merchant accounts in good standing.

DigiPay Solutions has created a “A Web Design and Development Industry Primer” with important information about setting up a merchant account, controlling chargebacks, managing risk and keeping merchant accounts in good standing.

Who is DigiPay Solutions?

DigiPay Solutions is a recognized payment processing brand among leading web design and development network service providers. The company’s extensive network of partner banks, payment experts and elite portfolio of tailored solutions has helped launch entrepreneurial start-ups and take enterprise organizations to the next level of corporate growth.

Thousands of merchants, from start-ups to enterprise-scale organizations, leverage DigiPay’s curated knowledge of high-risk payments to securely process hundreds of millions across an array of vertical industries. DigiPay works closely with web design and development partners, providing tailored solutions and timely advice to national and regional service providers, while helping them maintain the highest standards of banking and payment card industry compliance.

DigiPay’s team of experts, combined with our partners’ proven record of successful web designs and developers can facilitate successful new company launches and help existing businesses grow and scale.

Web Design and Development Processing Primer

A Brief Guide to the Web Design and Development Industry

Web Design and Development: An Economic Overview

As of 2016, web design and development is a 26-billion-dollar industry in the United States, expanding at a rate of 4.8% growth from 2011 to 2016. In order to succeed, businesses need to provide a website to draw in their customers. Having a website can even increase sales if they provide their products or services online.

No matter if your business was created a hundred years ago or it’s day one, you need a website to promote your company and increase sales. An emerging trend within the web design and development industry is that people now need websites that look as good on the computer as they do on their smartphones. According to a study by Smart Insights, people in the United States are now spending 87 hours per month browsing the internet on their phones compared to 34 hours on their computers. If you run a business, you need to have a website that looks good on a smartphone screen to attract more customers to your company.


The web design and development industry providers are categorized by SIC Codes, NAICS Codes and Visa Merchant Category Codes (MCC) to comply with payment card industry requirements.

Proper classification is vitally important to prevent funds from being held in reserve for misrepresentation. The web design and development industry has a specific SIC code which is grouped under “computer programming services” in NAICS or MCC codes, and can be classified according to the nature and focus of services. The following are some examples:

SIC 7371: Computer Programming Services
SIC 7373-11: Website Design Service

NAICS 541512: Computer Systems Design Services
NAICS 541511: Custom Computer Programming Services
NAICS 541519: Other Computer Related Services
NAICS 519130: Internet Publishing and Broadcasting and Web Search Portals

MCC 7372: Web Development

Additional information on Visa MCC can be found in this downloadable guide.

Leaders and Rising Stars

Top performing companies in the web design and development industry are seeing more success by helping businesses create great looking websites that will please their consumers whether looking at their websites on the computer or their smartphones. Mobile apps can also help your company to grow. With the internet, people can now promote their businesses online. Companies that fail to do so may see significantly less success with their company than those who have a website.

Here are a few leading companies in the space:

  1. CS Technologies

    Established in 2008, CST has grown to one of the top web development and design firms in the United States. CS Tech’s clients represent a variety of companies — from new startups to advertising agencies to Fortune 500 brands, including such brands as Dollar Beard Club, Coolbox, and Diamond Water. They enjoy designing and developing platforms of all shapes and sizes. CST is a team of full-stack developers that prototype apps and sites in weeks, not months.

  2. Mobikasa

    Established in 2008, Mobikasa has been one of the leading web development companies. Their gorgeous website is evidence that they have the skills to create a fantastic new website for you. The reason why they are so successful is because they go truly in depth with their clients. By first performing an analysis which includes questions about the client’s requirements, preferences, and target audience, they can ensure exactly what it is their client needs. Mobikasa also makes sure to thoroughly check their websites for any bugs or glitches that may pop up as well.

  3. NMG Technologies

    NMG Technologies (otherwise known as New Media Guru) has a specific vision in mind: to consolidate offshore market leaderships. They focus mainly on transparent processes and focus to build fantastic websites for their clients. NMG has worked for many large companies, including Microsoft, Amazon, and Google. One of the pros of NMG is that they are also one of the more affordable web developers on this list. While the other companies have prices that range from $10,000+ to $25,000+ per website, NMG Technologies develops their products at an affordable price of $1,000+ while still creating magnificently designed apps and websites for their consumers.

  4. Iflexion

    Iflexion has worked with a number of companies that anyone who has been on the internet (or even on the road) will recognize. From Paypal to eBay to Toyota, Iflexion has created websites for a handful of extremely popular companies. They employ over 400 software professionals to ensure a product that their customers will be pleased with. Whether you’re a startup business struggling to get your company off the ground or a Fortune 500 company that’s been around for years, Iflexion can build a great website for your business.

  5. Your Name Here:

    With your great brand story and DigiPay Solutions as your processing partner, there’s no limit to how far you can scale your company. DigiPay’s diverse, extended family of web design and development services process anywhere from $20,000 to millions in monthly revenue.

Interested in learning more about Publicly Traded Web Design & Development Companies listed on Major U.S. Exchanges?

Try DigiPay Now ↗

Web Design and Development Services

The purpose of web design and development companies is to create websites that allow companies to provide their consumers with an online presence. Thanks to the Internet, the web design and development industry is a growing business in America. According to Iron Paper, there were 320 million internet users in the United States. This number is increasing every year. 57.7% of small and medium business owners are looking to invest in creating or updating their websites. As you can see, the web design and development industry is rapidly growing. These trends show that the need for web designers and developers will continue to grow as people rely more and more on the internet.

The following are examples of the types of services that web designers and developers are selling to their clients:

  • Mobile apps and websites: As smartphones grow in popularity, so does the need for having a mobile app and website to promote your business. With a mobile app, companies can provide their consumers with a convenient way to examine or buy their products while they’re on the go. No longer are people confined to surfing the web while sitting at their computers. Thanks to smartphones, people can now browse the internet wherever they are. For this reason, providing businesses with the option to create a mobile website that looks as good as the desktop version as well as mobile apps is a necessary service to offer.
  • Website design or overhauls: If your website isn’t easy to navigate and doesn’t look good, then it’s going to be impossible to get clients to look at your products. The reason why web developers and designers are so high in demand is because nearly everyone uses the internet these days. If your business does not have an online presence, then you’re going to be left behind while the competition gets ahead. Having a pleasing, easy to navigate website ensures that customers will spend more time browsing your products and services than on a website that’s ugly and frustrating to use.

Opportunities and Challenges

As the digital age continues and the internet becomes more readily available, so does the need for a great looking website in order to promote your business. According to Iron Paper, a case study was performed that showed just one second of added page load time on a website can drop sales by 27%. 83% of internet consumers have also reported that they multiscreen as use 2.23 devices at the same time. As a web developer, you can offer clients the opportunity to create a website that looks fantastic on all screens, whether that’s on a tablet, phone, or computer. More and more businesses are looking for someone who will create a fast, beautiful website for them. Web developers and designers should jump at the opportunity as this market will only continue to grow as the digital age continues onward.

According to the Iron Paper and FounderU, online websites and businesses have seen an increase in these areas:

  • In the United States, 62.6 million people accessed the internet on their phones. In 2017, this number jumped to up to 210.9 million. This number is projected to rise to 270.5 million by the year 2021.
  • In August 2016, researching products was the fifth most popular weekly smartphone activity at 47% (behind internet access).
  • By the year 2019, it is predicted that there will be 224 million digital shoppers in the United States
  • 55% of all time spent on retail websites takes place on mobile websites
  • US Ecommerce sales are estimated to be at $353.7 billion dollars for 2017 and increase to $485.3 billion by the year 2021.

With the invention of the internet, people are buying more goods than ever thanks to the convenience of online shopping. Many people are finding that if they want to compete against other businesses, they will need to make their products available online. Because of this, web developers and designers are more in demand than ever before.

The challenges that may arise within the world of web design and development is that there is a lot of competition in the industry. While the internet is a relatively new invention, there are still some companies that have been around for over a decade or more. However, if you can show your customers that you have a comprehensive knowledge of web development and are willing to work with them on what they desire for their website, you can surely find a market that is in desperate need for developers. This is one market that is likely to stay in business for a long, long time.

The other major challenge is working with customers to make sure that they are satisfied. Many customers may not be able to communicate their ideas to you properly the first time. Even if you make everything to their specifications, they may still find a problem with what you have produced. As long as you are patient and work with your customers until you provide a website that they love, you will surely find success in this business.


One other problem that may occur is that it is difficult to find repeat customers. Once a client is happy with their website, it is unlikely that they will need you to provide them with another one. However, the demand for website design and development is so high that this may not be a problem. Each customer can bring in $10,000 or more per website. Consumers may also tell their friends about your business, thus finding even more customers for you. With the high price tag that comes with designing and developing websites, you do not need many customers to earn a great salary.


Enabling Web Design and Development Service Commerce

How do I create an eCommerce merchant account?

The first step in enabling commerce is to establish a merchant account. Web design and development is classified as high-risk, making industry service providers ineligible for merchant accounts at numerous sponsoring banks. DigiPay’s expanded network of banking relationships accepts the web design and development category and provides competitive rates, terms and conditions.

Web design and development companies may find it advantageous to work with processing partners who are familiar with their industry, jargon and common business practices. Payment processing sales representatives who are not familiar with web design and development service lingo and practices may be less effective at managing relationships due to their learning curves. When web designers and developers work with knowledgeable processing partners, they can save time and money, improve efficiencies and attract and retain more customers and followers.

Why are Web Design and Development considered High-Risk?

Many banks will not accept web design and development companies due to the industry’s higher-than-average number of chargebacks. An entrepreneurial start-up company that has created a web design and development company may not anticipate the risks involved in working with consumers whose sometimes unrealistic expectations about using a web designer or developer. Given that many banks may not understand the web design and development industry and that people desire the need for websites, it may be difficult for them to find a bank that understands the process.

Here are some risks commonly associated with web design and development services:

  1. Subscriber Remorse:

    Consumers who opt in to a repayment plan with automatic monthly payments may forget that their credit card will automatically be billed every month. They will then dispute the charge that appears on their credit card statement. Many card issuing banks require consumers to contact the merchant before they process a chargeback request.

  2. Lack of Infrastructure:

    Web design and development companies in the early stages of setting up their businesses may not have the appropriate levels of customer service support to deal with consumer complaints and inquiries. Consumers who are unable to communicate their concerns to merchants are at increased risk of turning to payment card issuers for refunds and chargebacks.

Can DigiPay Acquire Web Design and Development Accounts?

Yes, at DigiPay, Web Design and Development are in our DNA. Our financial services specialists are familiar with the industry’s unique framework and diversified categories, business models, SIC and NAIC codes and VISA MCC. We underwrite our merchants before sending their applications to our sponsor bank.

Once new merchants establish credibility and trust with DigiPay banking partners, they receive personalized attention and ongoing risk management from DigiPay’s team of payment specialists. This personalized service, coupled with the sheer volume of transactions we process through multiple banks, ensures our merchants receive the highest level of service and support.

Choosing the right payment processing partner is critical, because without the ability to accept payments, merchants are out of business. DigiPay’s merchant onboarding process combines sophisticated technology with human oversight. Experienced underwriters who understand the web design and development industry, and have expertise in payment card brand and banking industry compliance, bring a refreshingly holistic approach to new account set-ups.

Whether you’re redesigning an old website or creating a new one from scratch, DigiPay Solutions will give every merchant the attention and resources they deserve and a one-stop shop for processing solutions. The web design and development industry is growing and DigiPay can accelerate that growth. The first order of business is eliminating any barriers to progress. Look no further than DigiPay Solutions, where getting a merchant account will open doors to a bright and prosperous future.

Why Is So Much Information Required for a Web Design and Development Merchant Account?

Because of the higher risk associated with web design and development companies, more due diligence is required during the new merchant onboarding process. This means underwriters need to review a range of documents to assure the business is compliant, financially sound, and a good credit risk. DigiPay is unique because we underwrite merchants in-house before we submit their applications to the bank. Because our team of underwriters is experienced in high-risk, your business is presented to the bank with all required documents and full disclosure, to engender trust and stability.

Presenting your business in the best possible light from point of first contact is important because merchant accounts are essentially a line of credit from a processor. Because high-risk merchants have higher chargeback ratios and regulatory exposure, financial institutions are concerned they may violate card brand rules, laws and regulations. Complaints to the FDA and the FTC against a merchant create liability not only for merchants, but can also hold processors accountable under Know Your Customer (KYC) regulations.

DigiPay’s in-house team of underwriters and risk managers have curated knowledge in all areas of high risk. We are best qualified to guide you through the process efficiently and painlessly while helping to present your business to increase approval and gain credibility.

How do I increase my processing limits?

Once a high-risk web design and development company is approved, payment processors set monthly processing limits, typically between $10,000 and $30,000 per month, for the first three-to-six-months. This gives processors time to develop a customer risk profile by evaluating payment flows, average ticket sizes, processing levels and chargeback ratios.

Web design and development companies that maintain a stable, consistent performance throughout their initial trial periods can usually increase their processing limits. DigiPay’s risk management team works with merchants and sponsoring banks to shorten trial periods and raise processing limits.

Managing Alerts, Refunds and Chargebacks

Maintaining a low chargeback ratio is key to maintaining a healthy merchant account. When chargebacks exceed card brand maximums, your merchant account is at risk of being shut down. If a merchant category has consistently excessive chargebacks, banks will sometimes shut down an entire vertical industry. For this reason, it is critical for high risk verticals to self-regulate and work collaboratively to establish industry best practices.

DigiPay Chargeback Champion:

Chargebacks can be an emotionally charged issue for many merchants, but with the right systems in place, managing and defending against them can be a routine part of any merchant’s business. DigiPay Solutions’ team of Chargeback Champions works with business partners to identify the root causes of chargebacks, proactively avoid them whenever possible and effectively address each chargeback and retrieval request.

Why do chargebacks happen?

Chargebacks happen for many reasons and DigiPay’s elite team of Chargeback Champions are expert at analyzing why. Our proactive approach includes:

  • Preventing alerts and chargebacks through proven best business practices
  • Advanced fraud technology managed by experienced risk managers
  • Dynamic identity graphs that link transaction data with human behavior

How can I track my chargeback and refund ratios?

Keeping track of your Transaction Chargeback Ratio as well as your Volume Chargeback Ratio is critical because this is what Visa, Mastercard and payment processors monitor. Payment processors with high chargeback ratios in their merchant portfolios can trigger unannounced audits by Visa or Mastercard. For this reason, DigiPay, powered by TranZlytics, closely monitors chargeback and refund ratios, reacting quickly to spikes in activity. Excessive refunds, frequently the result of alerts, can be a sign of fraud or poor business practices, information the card brands and banks may consider when assessing risk.

The formulas shown below use simple math to derive Transaction Chargeback, Volume Chargeback and Refund Ratios:

  1. Transaction Chargeback Ratio:

    Add total monthly number of chargebacks and divide by total monthly number of transaction. For example – if during a month you processed 500 sales, and there were 10 chargebacks, your chargeback ratio would equal 10/500, or 2.00%.

  2. Volume Chargeback Ratio:

    Add total monthly dollar amount of all chargebacks and divide by the total monthly sales volume.
    For example – if during a month, you processed 500k in sales, and your chargebacks were 10k, your chargeback ratio would equal 10/500, or 2.00%.

  3. Transaction Refund Ratio:

    Add total monthly number of refunds and divide by total monthly number of transactions.
    For example – if during a month you processed 500 sales, and there were 10 refunds, your refund ratio would equal 10/500, or 2.00%.

  4. Volume Refund Ratio:

    Add total monthly dollar amount of all refunds and divide by the total monthly sales volume.
    For example – if during a month, you processed 500k in sales, and your refunds were 10k, your refund ratio would equal 10/500, or 2.00%.

How do I maintain low chargeback and refund ratios?

It is important not to ignore chargebacks, because win/loss ratios matter. Visa and Mastercard can impose penalties and fines in the tens of thousands on payment processors and their sponsoring banks for continuing to process transactions for merchants that exceed the permissible 2 percent chargeback ratio. Non-compliant processors and banks may also be subjected to further scrutiny and potential shut-down by card brands and regulators.

Here are some recommended ways to maintain low chargeback and refund volume ratios:

  • Stop fraud before it happens:

    Proactively identify fraudulent and stolen cards and suspicious behavior when possible. Having items like an SSL certificate, additional billing details, and other fraud detection tools.

  • Be accessible to customers:

    Dissatisfied customers who have access to live support will frequently be satisfied that they had the opportunity to air their grievances. They may be satisfied with a simple return or refund and find it unnecessary or initiate a dispute or chargeback.

  • Maintain a high transaction count:

    Companies with high levels of credit card transactions are in a better position to absorb chargebacks. Low-volume merchants can find themselves in the dubious position of having a high chargeback ratio with just a few chargebacks.

  • Maintain excellent logistics and fulfillment:

    In the always-on, always-connected world, customers expect immediate confirmations and emailed receipts when they place orders online. A good CRM program can automate this process. The DigiPay TranZlytics Gateway is preconfigured to display a merchant’s contact information and customer service number and ensure that collateral, training guides and supplemental materials are locatable by including tracking information with each shipment notification.

  • Use email marketing:

    Follow product orders and shipments with a simple survey or thank you email. This simple gesture will improve brand recognition when customers receive their credit card statements and make it easy for them to contact your company to complain or request a refund.

  • Initiate pre-chargeback and refund alerts:

    Create instant notifications of incoming requests for refunds, chargebacks and assorted customer inquiries. These services can be implemented in-house or outsourced to third-party providers. Merchants have a small window to react to customer disputes before card brands rule in favor of consumers. Automated chargeback and refund alert systems help merchants mitigate risk.

  • Implement a billing support hotline:

    Providing customers with a dedicated, toll-free number and email address will alleviate their concerns and build good will. Web design and development companies service businesses that are responsive to customer inquiries have been shown to increase customer loyalty and decrease chargeback and refund ratios.

  • Create an easy refund process:

    Refunds are a reality of life and a cost of doing business in the web design and development industry. By accounting and budgeting for refunds, web design and development companies can accommodate dissatisfied customers, avoid chargebacks and improve transaction flows.

Chargeback Mitigation Companies for Web Design and Development

Merchants can handle chargebacks in-house or outsource to a Chargeback Mitigation Specialist. The following companies are experienced in identifying all forms of fraud, including friendly fraud. They will investigate chargeback claims and retrieval requests on behalf of merchants:

Chargeback Mitigation Companies:

  • MIDigator*
  • Chargeback Guru*
  • Chargebacks.com
  • Chargebacks 911
  • Chargeback 360

*DigiPay Preferred Provider


How do I choose an eCommerce gateway?

Web design and development service providers rely on ecommerce and Mail Order/Telephone Order (MOTO) sales to scale their businesses. Credit card payments transacted online or by phone are called Card Not Present (CNP) transactions. Online CNP transactions involve credit card gateways that transmit payments from merchants to their payment processors.

Following is a list of recommended attributes of payment gateways that address the unique requirements of online web design and development service industries:

Support multiple merchant account IDs (MIDs):

Many web design and development companies need multiple merchant accounts to support their diversified array of training programs. Gateways should ideally be able to manage multiple merchant I.D.s organized under one master MID relationship.

Simple integration:

Payment gateways need to seamlessly integrate into CRMs, POS systems, third-party software, and eCommerce shopping carts to facilitate all forms of online, MOTO and in-store commerce.

Enhanced reporting tools:

Web design and development merchants need access to a variety of real-time reports and transaction data to grow and scale their businesses and manage chargebacks and refunds.

Merchant Dashboard, with permission levels:

In addition to enhanced reporting, web design and development companies need secure access to transaction data from anywhere they happen to be working, with built-in permission levels to facilitate all levels of employees and management.

Payment gateways must comply with the Payment Card Industry Data Security Standard (PCI DSS). Ask your gateway provider if they are PCI DSS compliant and verify their certificate annually. Web design and development companies also need a gateway with a data vault for tokenization of credit card numbers and encryption of customer personally identifiable information (PII). Tokenization replaces a Primary Account Number (PAN) with a randomly generated set of numbers and records this in the data vault. This is to prevent hackers from accessing customer data. By storing PII and PAN in a highly secure, offsite location merchants shift their liability to the gateway provider. Encryption and tokenization keep your customer’s information safe while allowing merchants access to the data for future transactions.

TranZlytics Gateway:

Choosing the right gateway provider is critical for high-risk merchants and their processors. DigiPay’s chosen gateway is TranZlytics. TranZlytics offers high risk merchants a Gateway and HUB built from the ground up for high-risk and CNP merchants. The solution includes transaction analytics and fraud prevention and built-in advanced chargeback management.

TranZlytics also offers advanced real-time reporting for faster and better use of CRM data.  

Payment descriptors are registered with a Chargeback Alerts program; re-presentments are pre-integrated with the gateway.

With a single HUB for transaction management and expert risk management team to monitor your data, you can focus on what you do best, growing your business. Think of Tranzlytics as an online and mobile web design and development Payment HUB with the IQ of Einstein and the memory of an elephant.

CRMs for Web Design & Development Businesses

Customer Relations Management (CRM) software is a basic requirement, both for large enterprises and small companies that want to scale and grow their businesses. These systems are designed to automate the lifecycle of product offerings and to facilitate payments. As with payment gateways, it is vitally important to validate the CRM is PCI DSS compliant if it is touching customer information. Unlike payment gateways, CRM’s are not rigorously monitored for PCI DSS compliance; a security breach can devastate your business and erode customer trust.

Below are examples of CRMs used by professional web design and development sales service entrepreneurs and enterprise-level service providers:

  • Zoho CRM:

    Zoho, a generic and inexpensive CRM program provides tools for recurring billing, customer tracking, customer satisfaction emails and a customizable database. While the service is not specifically designed for the web design and development industry, it is affordable and supports multiple MIDs.

  • Google Sheets:

    Google Sheets is a free service that provides a basic spreadsheet for start-ups. Its biggest asset is that it is free.

Growing and Scaling Your Web Design & Development Business

It’s a Great Time to be in Web Design & Development

The web design and development industry has become a worldwide phenomenon that is only continuing to grow. DigiPay is excited to play a supporting role when it comes to the growth of web design and development. Our extended family of web design and development companies, with vastly different models and product sets, are equally committed to optimal results, performance metrics and profitability. Some offer subscription programs; others provide mobile apps. All want affordable and easy high-risk payment card processing, which is our specialty.

Mike Ackerman
Co-Founder, CEO, DigiPay Solutions

Affiliate Marketing

What is affiliate marketing? Affiliate marketing is a partnership between merchants and affiliated individuals and companies that sell for them on the internet. Companies of all sizes, from leading global brands to start-up entrepreneurs, use the affiliate marketing model to great advantage, finding it an effective and lucrative ecommerce strategy. For example, thousands of Amazon.com affiliates promote products on their websites, redirecting buyers to Amazon’s site where they can check out and complete the sale. These sales are tracked by unique URLs that enable affiliates to earn commissions.

Creating an effective affiliate marketing plan begins with identifying trusted and reputable affiliates with extensive networks and followers, retail analysts have noted. These sources can help introduce products and services to markets outside a company’s traditional marketing footprint. Some examples might be a blogger with thousands of followers, or an e-zine with a strong vertical industry focus.

Because affiliate marketers are ideally an extension of a company’s brand and salesforce, it is crucial for organizations to create an affiliate program with clearly articulated terms and conditions, leaving nothing to chance. Some companies may outsource most of their promotional efforts to affiliate marketers. Others may supplement their traditional salesforce with a few affiliate partners.

Companies need to consider their primary objectives and corporate culture when creating an affiliate marketing program. Companies that manage more than one sales force, such as telemarketers and outside sales, have learned to structure sales programs to ensure that different teams are not competing against each other. This principle is equally relevant when working with affiliate marketers, who have proven to be most effective when they are not in direct competition with internal sales teams.

What are Five Essential Components of an Affiliate Marketing Plan?

Payment acceptance: Affiliate marketing takes place on the internet, where payment methods vary. Merchants that only accept traditional credit cards will miss the opportunity to scale their businesses globally, by not accepting the most popular payment methods of other countries. Partnering with a company that specializes in cross-border payments and understands the unique regulatory environments of different countries around the world, will solve this issue.

Establish dedicated URL links: Targeted, accurate URLs are directly tied to affiliate marketers’ commissions and need to directly link to landing pages and product codes. Companies need to work with IT specialists to accurately track and promptly commission affiliate sales.

Create a coupon program: Considering how many consumers search for coupons and offers online, doesn’t it make sense to create coupon programs that help affiliate partners attract prospective buyers? Discount codes are one of the biggest growth hacks on the internet and show no sign of slowing down.

Stay in touch with affiliate partners: Establishing deep ties with affiliate partners means notifying them in real-time of any changes in inventory, pricing models and promotions. No company can afford the embarrassment of having an affiliate learn of a discontinued item or clearance sale through a third party. As sales representatives on the front lines of selling a company’s products, affiliate marketers deserve real-time alerts to keep them agile and motivated.

KPIs, banners: Affiliate marketers, like any sales professionals, need to know their key performance indicators, not only to track their closing rates but to be inspired to reach even greater heights. While there are multiple ways to do this, establishing a secure portal where they can log in and view their activity, commission status and current promotions will help them stay on track and cut down on customer service calls.

How can Merchants Prevent Affiliate Fraud?

  • Know Your Affiliate (KYA):

    Before you approve a new affiliate, your first step in preventing fraud is to fully vet them. Ask them about their current brand relationships and how they promote their products. Their responses will help you evaluate if their values and culture are consistent with your company’s image and brand. Ask how the affiliate will drive traffic & sales to your offer. Check to see if the affiliate has behaved fraudulently in other programs

  • Review the Affiliate Site to See:

    • Is their website(s) compatible with your brand standards?
    • What visual impression are they creating?
    • Is the copy written in a way that will enhance or cheapen your brand?
    • Are the product descriptions accurate?
    • How well are they promoting their site?
    • How well do they integrate with social sharing options?

  • Enforce Affiliate T&C and keep them updated:

    To stay apace with ever-changing rules and regulations, it is necessary to periodically update your affiliate terms and conditions. Let your affiliates know how these updates will be broadcast and request confirmation. Be sure to include a due date for compliance to the new terms as well as an enforcement strategy.

  • What is the best way to enforce Affiliate Terms?

    Monitor for violations using technology and human intelligence. Consider contracting with third-party service providers that use technology to monitor websites, or build those capabilities in-house. Ideally, machine learning coupled with human intelligence is the best way to ensure compliance.

  • Can Enforcement Be Outsourced?

    Yes, DigiPay powered by Tranzlytics provides high-risk merchants with Pro Managed Services to ensure compliance and to detect and prevent fraud. Tranzlytics fraud detection includes daily screen shots that identify changes to a website. In addition to monitoring for key word violations, Tranzlytics can monitor affiliates and sub-affiliates traffic to ensure compliance.

What is the best way to spot affiliate fraud?

The adage, trust but verify, applies when monitoring affiliates. The following guidelines can help identify potential fraud:

  • URLS’s with multiple redirects: It is important to know if the affiliate is using an approved site for your offer or unapproved sites to send fraudulent traffic.
  • Look at referring URL’s for the original source of leads and sales. Check for trends to identify sub-affiliates associated with fraud and high chargeback ratios.
  • Multiple transactions from a single IP address. This could indicate an affiliate or sub-affiliate is running stolen credit cards to place multiple orders.
  • Use transaction history and trends to Investigate spikes in leads or sales.

What are common affiliate marketing words, expressions and phrases?

Affiliate software: Unique applications developed by companies to track and manage their affiliate marketing programs.

Affiliate link: This distinct URL, created for each affiliate marketer, enables companies to recognize, track and pay commissions to affiliates.

Affiliate ID: These unique IDs are sometimes used in addition to unique URLs on websites to identify affiliate marketers and ensure that they are compensated for sales.

Payment Mode: Pertains to the method of payment used by a consumer to complete an affiliate-referred sale. Most affiliate programs offer payment methods beyond traditional credit cards to appeal to global consumers.

Affiliate Manager/OPM: Affiliate managers, who specialize in all aspects of affiliate marketing, provide expert guidance on establishing and maintaining affiliate programs.

Commission percentage/amount: This refers to the percentage of each sale that companies provide in commissions to their affiliate marketers.

2-tier, or multi-tier, affiliate marketing: Like multi-level marketing schemes, this method rewards affiliate partners for referrals and recommendations, creating a second tier of sub-affiliates who can also earn sub-affiliate commissions.

Landing pages: This web page is used to promote a specific product and is frequently used to test a market’s receptivity to a product or service.

Custom affiliate income/account: Some companies reward top-producing affiliates by creating an elite sales program with higher-tiered commissions.

Link clocking: Link clocking shortens affiliate-identifying links, keeping them short and easy on the eyes.

Custom coupons: Custom coupon programs, directly linked to specific affiliates, help companies track and analyze affiliate sales.

A growing number of companies are working with DigiPay and TranZlytics to optimize and grow their affiliate programs. Contact us today for a no-obligation review.

Web Design & Development Industry Associations and Memberships

The following membership organizations and trade associations represent the interests of web designers and developers:

The Internet of Things: The Internet of things is the network of physical devices, vehicles, home appliances and other items embedded with electronics, software, sensors, actuators, and connectivity which enables these objects to connect and exchange data.

World Organization of Webmasters: WebProfessionals.org (aka the World Organization of Webmasters) has a 20+ year history of supporting practicing professionals and those that teach. To better support practicing and aspiring Web professionals and teachers we are working to keep web-related occupational classifications up to date. 

IAWMD: The World Famous Golden Web Awards Presented by The International Association of Web Masters and Designers – IAWMD. Golden Web Awards. Winning the Golden Web Award could make a dramatic difference in your IT career by adding instant recognition and credibility to your professional standing.

Web Design & Development Annual Events and Conferences

Mar. 1-2, 2018: ngVikings2018 Espoo, Finland. Come and meet experienced front-end developers and other people who are interested in modern day web technology. The Nordic Angular community is motivated to discuss and learn about new frameworks and ideas that involve the web.

March 2-4, 2018: JoomlaDay Florida 2018 Tampa, Florida. This will be the third year in a row for the JoomlaDay event. Join other web professionals for three days where you can participate in keynotes, training sessions, workshops, and certifications. Web designers, developers, and marketers from all over the country come together to this huge event to learn about UX, hosting, CSS, software development, and more!

Apr. 17-18, 2018: SmashingConf San Francisco San Francisco, California. Over two days, this conference teaches web developers the ins and outs of CSS, JavaScript, UX, multi-cultural design, and much, much more. If you’re a web developer looking to expand your knowledge about programming, then this conference is right for you!

May 10-11: Awwwards Conference in San Francisco 2018 San Francisco, California. The Awwwards conference takes place in the land of technology and innovation – San Francisco! At this conference, you’ll be able to hear two day’s worth of inspiring talks from well-known developers in the digital world. Afterwards, there will be an after party attended by some of the masters of the web design world. A must attend conference for anyone looking to learn more about what it takes to be a web developer or designer in today’s modern era!

June 6-8, 2018: Kerning 2018 Faenza, Italy. This event contains two days of workshops and one day dedicated to talks from a variety of developers and innovators from all over the world. Some of the most prestigious masters from the digital and web typography world will be speaking at this event. You can’t miss it if you want to learn more about web design and typography!

Upcoming Events and Conferences

Name Date City Venue
NgVikings 2018 Mar. 1-2, 2018 Espoo, Finland Dipoli University
Joomla Day 2018 March 2-4, 2018 Tampa, FL Hillsborough Community College
Smashing Conference Apr. 17-18, 2018 San Francisco, CA Palace of Fine Arts
Awwwards Conference May 10-11 San Francisco, CA Palace of Fine Arts
Kerning 2018 June 6-8, 201 Faenza, Italy Cinema Teatro Sarti

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