decade

Essex County Executive Joe DiVincenzo’s ‘magic credit card’ merits investigation

Sarah Rice/For the Star-LedgerEssex County Executive Joseph N. DiVincenzo, Jr., speaks during an assembly in this 2009 photo.

He earns a base salary of $153,000. on top of that, he collects a pension of $69,000. yes, it is odd that a man could take retirement benefits before retiring, but this is new Jersey and that is the law. that pushes DiVincenzo’s annual take to $222,000.

Now for the really sweet part: he also has a magic credit card that allows him to buy airline tickets, meals at fancy restaurants and golf outings — all paid for with political donations. In the past decade, DiVincenzo has run up a bill of about $250,000 on the magic card, according to a review of public documents by the Star-Ledger’s Matt Friedman.

What’s included? at this point, the public can get only a peek at a four-month period, from may to September of last year.

During that time, he charged 110 meals to the card, a pace that makes him a one-man economic stimulus plan for the region’s restaurants and pubs.

The flight to Puerto Rico was for the annual Super Bowl weekend, where DiVincenzo presides over a meeting of his political allies. And there was golf, 28 times.

Even DiVincenzo couldn’t justify his use of the magic card for his health club membership, so he reimbursed that money after the Election Law Enforcement Commission started asking for records. same goes for use of the card to buy a tuxedo.

One thing is for sure: this limited peek at DiVincenzo’s use of the magic card is alarming enough to warrant an investigation by the commission, or the state attorney general, or both.

Because even for this four-month period, we don’t know enough. for example, who were those fancy meals with? DiVincenzo won’t say, but it obviously matters a great deal. If he’s meeting with a campaign adviser, that’s legit. If he’s dining with his wife, it’s not.

This is a common foible for politicians. U.S. Rep. Rob Andrews (D-1st Dist.) recently reimbursed campaign funds he used to pay for a family trip to Scotland for the wedding of a donor’s daughter. In 2005, former Assemblyman Anthony Impreveduto (D-Hudson) was imprisoned for using campaign funds to cover taxes and other personal expenses.

Give DiVincenzo this much: the legal line on these matters can be opaque and it’s not clear yet whether he broke the rules, which allow the use of campaign donations for “ordinary and necessary expenses of holding public office.”

But this clearly fails the smell test. so bring on the investigators.

Essex County Executive Joe DiVincenzo’s ‘magic credit card’ merits investigation

Accept Credit Card Payments: Why Customers Prefer Credit Cards Vs Other Payment Methods

If you do business online, the most important part of it is to be able to offer your customers the most convenient way to pay for their purchases. In the past decade, buying on-line has become a global trend, with millions of transactions happening every day. and, of course, the payment methods that customers use to pay for a product have diversified. In the beginning credit cards were the only option, but now there are several websites, such as PayPal or Moneybookers that offer other payment solutions and have become very popular. Some online vendors accept only these e-wallet payments without a direct credit card payment option without thinking that they might lose customers. Credit card payment is still a preferred payment method for most online customers.

Find out why customers use credit cards more often compared to other payment methods:
1. No need to register anywhere – there is no need for a customer to register or have an account on any of the websites to complete the purchase (unlike with e-wallet payments).

2. fast and convenient – credit card transaction is processed within seconds once your customer enters card details on your checkout page. An order gets approved or declined instantly. unlike with echecks or bank wire payments, the order can be shipped immediately after the payment, because the funds are deposited instantly to a vendors merchant account.

3. Fraud protection – credit card companies offer customers a better protection against fraud and it enables you to charge back if the merchandise is not what you expected. So customers are more protected when they buy online and they feel safe when ordering a product.

4. Additional security layers – Visa and MasterCard have developed special Verified by Visa and MasterCard SecureCode programs that add an additional security layer for all card purchases. Once this feature is implemented, the customer is asked to provide a certain password during a purchase. this ensures the safety of an order – that card is used only by the authorised person. Customers feel safe when they order your product. it is proved that having this feature working on your website will bring you more sales. At the same time you – as a vendor – are protected from the majority of possible chargebacks with ‘I didn’t do it’ reason.

5. get rewarded – customers are also likely to get reward points from their credit card banks for using a card often, which can bring them benefits in the long run. So they prefer to use cards even more.

6. Pay in credit – your customers can pay you using their credit card limit – even if they don’t have enough funds at the moment by borrowing money from a bank. this increases your sales even more.

7. get more international customers – if you sell online internationally then your foreign customers will be more likely to pay using their credit cards than any other payment method. So it is a must for you to accept card payments in order not to lose potential customers.

Direct credit card payments account for around 50% to 85% of total online orders. this percentage depends on your industry and niche. if your product is more oriented towards the majority of people that don’t spend much time online, then you will get much more credit card orders compared to Paypal or any other payments. moreover, US based buyers tend to use more e-wallet type of payments compared to international customers – from the Western Europe, etc.

If you are serious about online business, you should be offering as many convenient payment methods as possible. this way your customers will have a better choice to complete their payment and they will select the most suitable payment method. Offering credit card payments along with Paypal will definitely increase your sales compared to only credit card payment option, so make sure your online shop always offer the most popular payment methods. Then your customers will not have any problem placing an order on your website.

How to accept multiple payment methods on your website?

1. Just register on Click2Sell and login to your account. Go to for Vendors page and
2. select the COMPLETE payment processing plan.
3. then visit for Vendor –> Add Product section and enter your product’s description along with all the details.
4. place the provided payment button code on your online shop That’s all.

Once your product is activated, you will be able to accept credit card and Paypal payments on your online shop along with other multiple payment options.

Accept Credit Card Payments: Why Customers Prefer Credit Cards Vs Other Payment Methods