It was in the s that Canadian educator, philosopher and scholar Marshall McLuchan said that the world was becoming a global village.

McLuchan also predicted the Internet almost years before it was invented. The Internet has turned the world from a global village into more of a global shopping mall. Back in Jupiter Research, a leading authority on the impact of the Internet on business, reported that of almost million small businesses used the Internet for trading. They also stated at the time that this figure would rise to by . And it looks as if they were right. More and more people are buying and selling online. The vast majority of payments done via the Internet are with credit or debit cards.

There is, however, a slight snag to this. To accept payment by credit or debit card you need to have a special internet . This is a type of bank account that permits a business to conduct credit card transactions. It also serves as a threeway agreement between the seller, the purchaser and the merchant bank. Opening a merchant bank account can be a nightmare. It can often be a long, laborious process that can take months. In many countries, for example, you need to have a registered business before you can open a merchant bank account.

The bank will require a great deal of documentation before they will even consider opening a . If you do have a registered business or company they will want financial statements dating back to at least a few months. Starting an online business becomes very challenging, because if you don’t have a good selling history you will not be able to get a cbd to accept credit cards. And more often than not, you will go through this entire process only to be declined; especially if you are selling digital products online.

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