Apps That Make Your E-commerce Business Life Easier

The world of E-commerce business is changing fast and to stay ahead you need to work more efficiently. As a Businessman, you are always looking for tools which can make your work get complete fast. You need apps which can help you to manage stuff according to your need.

So, we have calculated everything you need as businessman and created a list according to different aspects of your business.
Here are all the apps which will make your life easy as a Businessman


As a businessman, it’s very tough to carry a data and file storage device all time with you. So, you need cloud storage which you can access from any place.

  1. Google Drive – Google Drive gives you free 15 GB cloud storage.
  1. Dropbox – Dropbox is a secure file sharing and storage app for both computer and smartphone.

Social Media Management

Social media is the biggest platform through which you are connected to your customers. So, you need app which can manage and schedule social media post.

  1. Hootsuite – Through Hootsuite, you can manage your all social media accounts through a single app.
  1. Buffer – Schedule, publish and analyze all your posts in one place.


Business require the knowledge of what’s happening all around you. This knowledge can be business related or normal news.

  1. Google Newsstand – Through this app, you can get news from every single news website in the world.
  1. Inshorts – It’s a smartphone app which gives you entire news in just 60 words.
  1. Economic Times – Through this platform, you can get all the business-related news all around the world.

Image and graphics designing

You need to edit images before posting them. You also need to create logo and graphics designing.

  1. Adobe Photoshop – Photoshop is one of the world’s best image editing app.
  1. Adobe Illustrator– Though Illustrator, you can design logo and graphics.

Content Writing

As a businessman, you need to write a lot of stuff such as letters, mails, blogs etc. So, you need apps which can help you in content writing.

  1. Grammarly – Grammarly corrects over 250 types of grammatical mistakes.
  1. Ginger – Ginger app helps you correct your grammatical and spelling mistakes.


To continuously grow, you need to track on real time analytical information about your website and social media platforms.

  1. Google Analytics – Google Analytics lets you analyze data from all touchpoints in one place.
  2. Piwik – Piwik is an open source analytics platform which can track keep a track on your website.


If you are running a business, you need a posting service which can deliver product specially if you are running an e-commerce business

  1. FedEx – FedEx is a brilliant courier delivery services which is available in almost every part of the world.
  1. Delhivery – Delhivery is a brilliant courier delivery services which is available in almost every part of India. When you create your website with GetMeAShop, you can simply integrate your delivery service with Delhivery.

How to get Faster E-mail responses?

Emails are the best source to provide information to your customers about the new in stock, offers, and deals. This also helps in making a personalized connect, developing and fostering your relationship with the audience. Email assures that your message is being properly circulated with the ones who matters to your business. When your consumer visits your site and signs up there, it provides you with an opportunity to gather email list and to pitch them later. They leave your site and that’s where email helps, it helps them recall your site and visit it often which sometime sooner or later can help you get sales.

Have a look at some tips to help you get quick response of your emails:

Catchy Subject line

An email begins with the subject. The audience will check their email after going through the subject of the email. Your email is worthless when your email remains unopened for several days. Write something that creates buzz around and gets opened. It will help you to get the attention of the audience and force them to check it.


You have to greet your consumer; it shows organization’s decency and directly impacts the consumer mind. This Familiar and personalized behavior help you gain the audience.

Brief & Clear Message

If the message or information you provide is short and clear then you don’t have to write stories. Just write point-to-point information in a few sentences. If your information won’t be enough to get a response, then you have to work on it and you can also take help from some images to explain it. Either you need to do more research on email yourself or take some expert’s advice to get a response.

Be Polite with words

You have to write you an email in polite form, it might help your organization to boost its promotion. It helps to create the interest of audience to read your email.

Describe Purpose

You’ve to describe your purpose and then work on it to make sure your purpose is genuine and beneficial for your customer. To clearly show your purpose, just do interlink images with your message.

Avoid Using Complicated/ Confusing Words

The mailer must have simple words that neither confuses the audience nor mislead them. Do not pressurize your reader to take out a dictionary to understand the mailer. Nobody has the time to do so and they’ll be forced to unsubscribe it or skip it.

Proof Reading

It’s the most significant part of emailing, cross check your email, words, sentences and symbols twice or even thrice if needed.

Send during the Peak Time

Usually, people check their email/messages as the first thing in the morning so you can schedule your emailer to be sent early morning or you can schedule it in the evening after 6. It has been observed that mailers sent during these timings receive the highest open rates.


Why FAQ page is important for your business

A visitor who visits a website usually searches for the Frequently Asked Questions (FAQ) section of the website to get answers, information and concerns regarding the product.

Some people compares it with the ‘About us’ page. FAQ page is very different from “About Page” section in which you don’t just tell a story about your company but it also contains all the answers that the user might have about your brand.

FAQ section deals with the specifics. It’s the perfect place where a customer finds answers to specific questions about the product. A customer always has concerns whether to buy a product or not. He also has questions whether the product may fulfill the things he is looking after. In that case FAQ page becomes the first step towards the answers, before they reach out to you with some different quires.

Here are some facts on how and why FAQ Page is Important for your business

Saves time
When we talk about E-Commerce or business platforms it’s not just on the person asking questions, it can be thousands of people, and when they are all asking the same question over and over again, it can be a very tough task to answer them one by one. So, it is always better to give answers at one platform which will be publicly available to everyone.

Makes you an Expert
Through FAQ you can present yourself as an expert in your field. Everybody likes to work with professionals of the certain field, so through FAQ a customer will like to join you because you will sound like a person who now what he is doing.

It generates a trust factor
A normal person always has concerns whether he should buy a product online or not. Through FAQ you can connect to that customer, because if you are sharing information about product publicly it will generate a trust bridge between both the parties.

A good FAQ page can act as that bridge that will make the difference, by establishing your legitimacy.

It acts as a good SEO tool
FAQ pages can be an excellent SEO Tool. Search engines scan a website for Keywords and Key Phrases to understand your website and your business.

If you can add Keywords during writing questions and answers on your FAQ page, it will increase the SEO juice flow to your entire website. A good FAQ page can help you to boost your online sales and even push up your website on search engine results.

It increases customer conversion rate
A good FAQ page can increase customer conversion rate. It will increase the rate of visitors and that will help you get more consumer. It’s a simple mathematical calculation, when people read the FAQ, they feel comfortable with the product, and once they know what they are about to purchase, it will automatically increase the conversion rate


The FAQ is the place where you build relationship with the customer. Once you build that relationship on trust factor that will help you to transform potential customers into retain consumers.





How Often To Post On Social Media

With the ever-growing, ever-changing social media, the social media strategy that worked for your last year might not work this year. You need to upgrade your plan with the technology and the customers today. You need to connect with your social media followers without driving them away and for that you need master the frequency of posting. How to Optimize Social Media Posting Frequency?

The best times and time gap for posting can never be predicted and can drive any social media manager crazy with the fluctuating engagement on every timing but you can always trust those who have done it before.

Here is the standard frequency for posts that you must follow to plan posting schedule for Facebook, Twitter, Instagram and Pinterest:


Post quality instead of quantity. Facebook post engagement is steady for the first 2 hours so start with an afternoon schedule and tweak from there.

How frequently to post: Aim to post 10- 15 times per week.

Increasing Engagement tip: Admit this; we all scroll through our Facebook feed when we wake up early morning, right? If you’re struggling to find good likes on your posts then try the early morning posts.

We recommend
Daily – 2 posts
Weekly – up to 15 posts


Tweets have a short life so timing and frequency of posting are everything when it comes to getting followers for your business twitter account. Follow posting it on a daily schedule. You can also join in the trending topics to increase your reach.

How frequently to post: Try posting three to five times each day and track the report. Thank followers for following you. If some tweets tagging you, don’t forget to reply them.

Increasing Engagement tip: add @mention individuals or companies that are relevant to your content for getting retweets and engagements.

We recommend
Daily – 4 – 5 tweets
Weekly – up to 35 tweets


With Instagram, everyday could be a good day for getting followers. It all depends on the activity levels.

How frequently to post: Atleast one post per day.

Increasing engagement tip: Tag influencers wherever necessary.

We recommend
Daily – 1- 2 posts
Weekly – up to 14 posts


How frequently to post: Aim for atleast 3 pins a day; if you have more pins, then go for it and you can post 20 times per day. Never schedule pins all at once. This can damage the reach. It varies for different brand and products. Experiment to find when your pins perform the best.

Increasing engagement tip:  Pins are highly searched. Make yours easy to find. With the right search terms, you pins can easily be found and can get clicks.

We recommend
Daily – 3- 20 pins
Weekly – up to 100 pins


Use the professional connect platform effectively for connecting with market influencers.

Increasing engagement tip: Post technical and business blog

We recommend
Daily – 1-2 posts
Weekly – up to 10 posts


Remember, companies that increase blogging from 3-5X/month to 6-8X/month generates more leads than the ones who don’t.

We recommend
Weekly – up to 2 posts

You need a strategy not just for your business but big companies today hires internet strategists to plan the frequency of posts. Follow the above technique for posting and you can check analytics and reports for your brand on different social media platforms by different posting


How LinkedIn helps you grow your online business

Most market surveys say Facebook is the most important social network that businesses use to grow. LinkedIn came in second with around 71% marketer using it. Facebook is where you go to talk with family & friends; Twitter is where you meet people you didn’t know before, then LinkedIn is where you can meet up for your business to get work done.

LinkedIn is the world’s biggest social media platform used by businessmen, entrepreneurs, and working professionals. With over 400 million active users, it’s a huge platform for connecting with businesses and customers under one roof.

Here are some ways by which you can grow your e-commerce business through LinkedIn:

Create your Company page

Creating a company page will help you to get recognition on a wide scale. Your colleagues and working employees can join the page which will help you to create a brand. One of the best ways to do this is through your banner image – keep it branded, include your logo for brand recognition on the site, and to further develop trust with digital market, Tell your company’s journey in your “about” section.

Building Connections

LinkedIn is an amazing platform to keep in touch with all of your business contacts to develop your network.  With LinkedIn’s advanced search and filters, you can target a certain section of the business audience. This can be done by whittling down profession, location and even company according to your need

Target Groups

There are over 2 million groups on LinkedIn and 83% of LinkedIn users belong to at least one of them. Before joining them, assess whether they will be a good for your business or not. Check out the guidelines. Check out the number of members, and activity within the groups. You can check out the different kinds of posts and if it fits with your target market.

Your business can benefit by starting your own group. You can increase your trust value and develop the reputation as an industry leader; LinkedIn groups offer incredible business opportunities.

Follow Influencers

Through LinkedIn, you can connect with people who influence your business world. It gives you a chance to learn, follow and find from top influencers in your industry.

You can grow your business by commenting intelligently on Influencers’ articles. By engaging with the influencers you are the setting standards for your company at the same level. This also creates a trust relationship with your company within the professional community.


Blogging is the best medium to grow your business on LinkedIn. If you share your idea and perspective about your field, it helps you gain more business. To gain more readers for your blog, you need to create articles that appeal to your LinkedIn market. Stick with a business theme for your articles; write content which supports your business criteria and things related to your target market. Keep your readership interested by consistently writing within your business theme.

Business professionals use LinkedIn Network for making the right impression, engaging with connections, joining and taking part in groups, and sharing pertinent information. Apply these few tricks and your business will grow day by day.

Startup Stock Photos

Why Product Description Is Important For Your E-commerce?

E-commerce entrepreneurs while starting their online business usually underestimate the importance of some crucial quality content. More focus is usually given on the technical aspect and putting good quality images, but a good product description is equally important to boost your sales.

Most entrepreneurs who don’t understand the importance of good product description lose their customers no matter how much investment they make in advertising. While your e-commerce business is making some genuinely good efforts to post unique and attractive descriptions for every product, others forget to do this and then there are some who just copy paste this from some other sites to their product pages.

Imagine a visitor visits your online store and comes across a pair of Adidas shoes in men collection column. Even after knowing the brand he will have a lot of questions:

– Materials from which it is made of? Any special properties?
– Will they keep my feet comfortable?
– Are they easy to wear and take off?
– Is the insole removable?

Know how you should write unique product description and what does this product description do for your user?

Entice Customer

The product description describes benefits of the product and convinces the consumer’s to understand why and how the product fulfills their requirement. It grabs the user attention by answering their queries.

Helps in SEO

The unique product descriptions help to improve search engine rankings, which means more people will be able to find your products and order it easily. So, don’t copy the description from official sites, stop copying product details. The SEO (Search Engine Optimization) automatically identifies your content and affects your brand’s SEO ranking.

Professional Description

Content attracts consumer mind and increases their knowledge. A professional website interface indicates the seriousness in business and helps gain more trust and loyalty for customers.

Enhance the knowledge

Catalog attracts viewers and potential buyers. Clearly visible products with aesthetic presentation will definitely bring you more customers. Unique product descriptions along with high-quality images and an easy-to-use interface work together in driving online sales.

Keep it short yet effective

While writing product descriptions just keep one thing in your mind “Less is enough”. Try to explain your product description in bullets instead of writing long paragraphs.

Keep Your Mind-Error Free

Any grammatical or spelling errors can adversely affect your e-commerce impression. Therefore, a proper cross checking and editing of content are always required to make sure your content as error-free.

Professional Writers

The skill of writing is not a simple thing and everybody doesn’t have this quality. That’s why, an organization have content writers with a separate job description.


Remember, originality is the key. In order to achieve e-commerce success, make more sales and improving your brand’s ranking you must keep these above points in mind. So don’t skimp and make your product description unique because if you steal it from competitors, you may find yourself ranked lower by Google or even eliminated from search results.


Simple Guide For Starting & Growing Your E-commerce Business

Your website is the face of what your brand is about. It acts as the visiting card and in short, the perceived image of your company. Therefore, your website should be designed in a way that it is easily handled and worked upon by customers without any hassles or confusion. A good design is a great way to communicate and get your point across and so it is definitely very important. Some websites, though, are unconventional, creatives, rich in visual effects.

By far, the easiest way to get started making money online from home is to start selling a physical product online. The sellers start their business from e-commerce sites, even sell items from their homes or continues to build that business or go on to build larger internet marketing businesses. There are enormous opportunities being presented by the growth of online shopping and E-commerce. It is all about planning and budgeting.

Have a look at the small guide to help you know what lies ahead when building your e-commerce website for the first time.


Knowing your market is the first and foremost step. It is all about the product your deal in. Little knowledge is always dangerous. So make sure you know well about your market before getting into the business

Observe and plan

Observe and make a plan about your daily, weekly and monthly requirements necessary to maintain a successful online store. Creating an e-commerce store with a good website builder is one thing but managing it successfully requires a lot of input.

Payment methods

With the advancement of technology, website builders like GetMeAShop provides various payment methods to choose from.

Plan Campaigns

The best ways to communicate with your customers and prospects is to campaign. At the initial stage of your business, you may have to start with some paid campaigns on social media or through your friendly dashboard to your email or SMS list.  Communication through campaigns can be extremely powerful. It can you build brand loyalty; convert prospects to loyal customers and can help you get some valuable feedback.


There are varied options to choose from platforms to advertise. When you have fixed the budget for all your advertising, plan and start when your e-commerce site is live.

Online customer service:

Plan and develop a working chart of how will your personalize purchase, payment, shipping and after sales communications.

Social Media:

Boosting your brand’s reach with fewer sources can be done using the varied social media platforms. Create your online presence on social platforms, integrate them with your website and start posting on the platforms. The more you connect with the people over social media, the more popularity your brand gains.

Modify your Marketing Strategy:

Your marketing strategy cannot be consistent. With the change in the market trends, you need to keep improving your marketing strategy and get the benefits.

“Doing the best at this moment puts you in the best place for the next moment.”

Learn to blog

Create and blog often and grow the audience base for your brand.

Above everything, your plan and implementation, what is most important are how much effort you put in to make your strategy succeed. Tick out all the necessary business planning and you will stand a good chance in reaching your goals rather than failing flat.


Sell It With Words : Tips for Writing Effective E-commerce Copy

Before you paste any e-commerce copy to your platform, are you aware of the fact that 98% of e-commerce copy has a direct impact on conversions with their customers? As running a small business, you are almost deadly tired, strict to time and lacking in resources. You have to perform whether you’re the accountant, the programmer, the sales person or anything. But the main thing is you have to build trust for your brand and influence people to click your product, share and buy. A quality eCommerce copy can transform a conversion rate to 100% and gather more visitors and ultimately your search engine traffic get increase only when your copy has a unique product description. So here are some tips on how you can create a unique and appealing e-commerce copy to compel your customers.

Your copy must have 3 goals:
– Establish Trust.
– Persuade customer that your product is right for them.
– You have to see your product through your customer’s eye.

Become your customer

Famous words that have been spoken by the legendary copywriter and the Father of Advertising, David Ogilvy said, “If you can’t turn yourself into a consumer, you probably shouldn’t be in the advertising business at all.” The only important thing that you have to ensure that keep your customer at the core of your copy to create an excitement, influence people, create trust and make them feel that your product has only made for them. Start thinking yourself as a customer.


E-commerce websites should opt for a nice and appealing formatting of their product pages. Use bullet and short and crisp paragraph forms to make an ease to describe the product. It will be more appealing and influensive if you’ll use bullet forms description because it takes less time and allows the customer to gather information quicker than a paragraph.

Make Effective E-commerce Copy

To keep your writing as effective and readable as possible, here are some rules that you should follow while writing and proofread your copy.

  • Avoid such long sentences as it becomes difficult to digest and persuading your customer.
  • Your copy should be easily understandable and must have ‘to the point’ content.
  • Avoid complex words in product descriptions.
  • Don’t exaggerate in order to make your product more desirable.
  • Write a copy that is compatible with everyone, make it crisp to persuade your customer easily and urge them to buy the product.
  • Make sure that your copy must include both informations and engagement of your customers or     viewers.
  • Keep product descriptions clear, informative and straight forward.
  • Ensure to make your copy free from boredom, it should be positive and inspiring that will easily draw your viewer’s attentions.
  • Start with the highest selling products moves in ascending order to attract more viewers.

Establish Trust

One of the most important thing in making an effective E-commerce copy is to build a trust between your product and your customer.

  • Avoid such common grammatical mistakes.
  • Make your copy flawless and also put time on it so that visitors will invest both time and money into your products.
  • Mention a clear purchasing process such as- payment, shipping and return processes. Don’t be afraid to state, as it will lower the trust of your visitor and they won’t buy your product. So make sure to keep things straight and clear like- state actual shipping costs and payment conditions and display it in a regular font for an easy read.
  • Try to offer free shipping to grow your website as well as your product.
  • Include 24×7 customer service facility and free 365-days return policy.
  • Do include a customer review section and consider adding a badge of authenticity.
  • Create a clear and accurate Terms and Conditions, FAQ’s pages and product details for avoiding any misconception of your brand.


To achieve the most from your e-commerce copy, your SEO should be unique and closely link with your website with each page having target keywords.

  • Create some unique and appealing texts for your brand, product pages and categories.
  • Build an inter-relationship between your target keywords so it will ultimately raise your revenue     potential and make your website famous.
  • Look for a skilled copywriter who can create such unique and targeted keywords into your copy without destroying your credibility.

So make sure to create a unique tone of voice that matches your brand so that it can persuade your viewers and establish a good trust for your brand and product.


Interesting Platforms For Running Social Media Contests

You must have used Facebook, twitter or Instagram for running your social media contests, but have you explored the online world that has some more amazing platforms where you can not only run a successful social media contest but can also boost your brand’s engagement amongst the customers.

Marketers today have recognized the importance of creating engagement and brand trust with the customers on their own turf. With varied ways available in building a trustworthy relation with the consumers and making contest viral, social media is the perfect place to host your next contest. So here are some amazing platforms where you can create your social media contest and make it successful and viral.



This platform is the most widely used platform for managing social media. You can create your brand contest as it offers various promotional tools such as- hosting contest on Twitter, Instagram, Pinterest and Vine, caption contest, quiz contest, and much more. You can also run a photo and video contest on this social managing tool platform.



Strutta is an online social promotion platform where you can easily host your social media contests including- launching sweepstakes or also you can promote your contest by using other promotional platforms like Facebook, Twitter and Instagram that are associated with Strutta. Switch to DIY builder and customize your design according to your brand and also get professional assistance.



This platform is the easiest platform to run a giveaway contest. It is mainly associated with the giveaway contest and is quick and easy to operate. You can host your brand contest across Facebook, Twitter and Pinterest where you can easily customize your contest that must relate your brand. The only thing you have to do is you have to follow certain methods before start hosting a contest that includes- decide prizes for the winners, choose entry methods, and start collecting entries.



This social media hosting platform is famous for creating a free contest such as- quiz, sweepstakes and photo contest. Known as the social media management platform, you can run a variety of apps and handle social media promotions on this website. Facebook apps include instant win, personality test, coupon app, fan vote and more.



Now generate leads and engagement with Facebook, Twitter, Instagram, Pinterest and more with Binkd, the social promotion platform where you can engage your audiences with a contest by hosting a hashtag sweepstakes, coupon app, refer-a-friend contest and trivia contest with so many social networking websites to build your list of followers and grow your product reach.


Effective Principles For Running A Successful Ecommerce Site

Are you all set to take your E-commerce business to the next level? Great! But have you planned about the methods to earn profits after you have launched your online store? Convincing a customer to trust you is the biggest daunting task and you have to do this to run your online business. Always see your business through your customer’s eye in and make sure to be practical about the purchasing experiences that you’re providing to your clients. Have a look at some of the essential components that can make your e-commerce site famous and successful among your varied costumers.

Create Easy Sign-Ups Technique


It sometimes becomes a hassle for the clients to direct checkout the website and purchase the products as a guest then registering an account. Most of the e-commerce sites have a scheme for the buyers to first register an account on their sites to purchase. However, online shoppers are eager to make their purchases quickly and want an easy-going shopping process to buy products.

A registration process can abstract customers, so help your customers achieving their goals by providing them with a quicker option to easily check out first as a guest user.

Easy Checkout Process

easy checkout process

Try to offer your customers, a good checkout experience. So ensure to keep these things in mind to make it more effective and simple.

  • Make your checkout process as effective and natural as possible.
  • It should be hassle-free for the buyers.
  • It should be planned and have effective website designing and layout.
  • Easy to find product items.
  • Comprise a big and clear of your website check out button.
  • Remember, not to present unexpected costs at checkout.
  • Make the shipping process more clear.
  • Make sure to optimize your e-commerce website faster.
  • Make it mobile friendly.
  • Easy display of the products in the carts.
  • Display security logos and make contact supporting more facile.

Make It Mobile Friendly

mobile freindly

We are living in a mobile world where the websites should be responsive and faster to surf. Creating your online website mobile friendly has now become a day to day necessity. You need to make sure that your e-commerce site must have appealing designs, web-layout and functionality that should be up to date. Improve your website interface and performance and optimize it to surf faster without any hassle.

Look at some more tips to make it mobile friendly:

  • Make product pages, well-structured and defined.
  • Boost-up mobile SEO’s for your website.
  • Create an optimistic and unique keywords for your online business website.
  • Emphasize the shopping cart and easy search option.
  • Product images should be clear and eye-catchy.
  • Create a well-defined and crispy descriptions about the selling product items.
  • Ensure to avoid extra graphic content in your web store.
  • Make the shipping process easier.

Appealing Product Photography

The product pages play a significant role to an e-commerce site that could not be underestimated. These pages prove a last chance and a final push to convince your customer and consider them to buy your product. So definitely we can’t ignore it, because, a picture really do sell. As the visitors are easily influenced by the photography when shopping online, so here some more tips to follow and make your product look more appealing.

  • Ensure to use a good lighting during your product photography.
  • Make your product image to enhance the good quality and should be clear.
  • Make out an image gallery to display all the product features.
  • Make your product images looks stunning and appealing.
  • Let your customers see a larger version of your product image in a zoom function.
  • Avoid to use blurry product images that can distract a customer to visit your website again.

Detailed Product Descriptions

product phtography

Make a clear and accurate descriptions of your product and help your buyers to make the decision and purchase. Make sure that your product descriptions must act like your store’s sales staff. Make it informative and let it prove a right tone for your target. You can also add videos of your product items that are being used so that a buyer can recall your product more easily before purchasing.

A product image description should include- clothing size, texture, colours, fabric materials, dimensions and weight and warranties.

Make Navigation Easier

Keep your website navigation more natural with nice labelling so that it makes sense to your customers.

  • First, do research of how to make the navigation as concrete as possible.
  • Design your shop categories and make it easy to find the product in one click.
  • Make sure that your goal is to make easier for your customers to find what they are actually looking for.
  • Always testing your website and the users to discover the best labels for your navigation.

Easy Return Policy

Make your policy easy to find. People return their products when they are disappointed and unhappy with the items so make sure to write an accurate and clear product descriptions and try to prevent the return. Make a well-defined description about the return policy so that a customer can feel confident to get a refund more easily without any issue. Lastly, don’t forget to mention whether the return is for cash, exchange or credit.