If your business needs to accept credit card payments online, chances are you may have started out with a service like PayPal because of the low costs and the ease of integration.
But when you "outgrow" such a service, it's time to step up to a merchant account.
In what is being called possibly "the largest federal hacking and identity theft case ever," United States authorities recently charged 11 people with stealing more than 41m credit and debit card numbers from popular retailers such as Barnes & Noble, TJMax, OfficeMax and Boston Market.
Capital One's European head of brand marketing Justin Basini talks about the challenges of resourcing and measuring multi-channel campaigns, as well as ways in which the web has affected how consumers research and buy financial services.