How To Accept Credit Cards Without A Merchant Account
To increase sales on your website, you must accept credit cards. To process credit cards, you could apply for a merchant account through your bank or other financial institution. Sometimes, though, you would be further ahead to use the services of a credit card processor. This is especially true when you are first starting out and have more limited resources. In this way, you may process credit card transactions without the high front-end costs and requirements of a merchant account. Here, then, are just a few ways of accepting credit cards without a merchant account. I personally use all of these vendors and can recommend them wholeheartedly. 1. Clickbank If your product is downloadable (such as electronic books or software), you might consider ClickBank.com . For a $49.95 initial fee, you can process credit cards and on-line cheques for $1.00 per transaction plus 7.5% of sales. You receive additional exposure through free listing on their website and through the search facilities of other websites, such as CBMall.com. As an added bonus, you have your own built-in affiliate program. You decide what commission (from 1% to 75%) you would like to pay your affiliates. 2. PayPal PayPal.com has no initial fees. For just 2.9% of sales and $ .30 per transaction (and sometimes less), you can receive money from anyone. Also, you can pay others by credit card or chequing account without supplying your personal credit information to the payee. PayPal can be used to collect money from your auctions, website sales, or even from friends or clients. 3. PaySystems In the original edition of this article, I recommended PaySystems.com (also known as MyPaySystems.com). This is what I wrote about them: “PaySystems.com can handle either intangible (downloadable) or tangible (shippable) products. For an initial fee of $49.00, you can accept all major credit cards as well as online checks. Fees are just 3.95% of sales and $1.00 per transaction. Alternatively, you may pay 5.5% of sales and $ .35 per transaction.” “For this, you receive shopping cart, integration with third-party affiliate programs (such as ClixGalore.com), fraud screening, multi-currency transactions, toll-free support, marketing tools, and more.” Unfortunately, PaySystems.com has discontinued their “Internet Billing Account” for those outside the United States. 4. 2CheckOut 2CheckOut.com can handle both intangible and tangible products. For an initial fee of $49.00, you can accept all major credit cards as well as online checks. Fees are just 5.5% of sales and $0.45 per transaction. For this, you receive shopping cart, fraud detection, integration with third-party affiliate programs, multi-currency transactions, free on-line support, and more. Incidentally, 2CheckOut.com has the same policy as ClickBank.com does with regard to sales taxes. Both companies take the position that you are selling your product to them and that they resell it to the final consumer. Thus, they claim that you are not subject to sales taxes on those sales. J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over twenty-five years. To learn more about accepting credit cards and other profitable Work at Home Small Business Ideas, visit <a href="http://www.yenommarketinginc.com/creditcards.html" target="_blank">http://www.yenommarketinginc.com/creditcards.html</a>
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Compare Merchant Accounts
“Compare Merchant Accounts” is one of the best pieces of information a company owner can receive. All merchant accounts are not created equal, and it will be up to you to find the best package for your particular enterprise. Here are a few tips to keep in mind. Compare Merchant Accounts for lenders. You need to find a reputable lender that will work with you to protect and grow your company interests. Someone who doesn’t care or who issues a merchant account solely to make money is not the best underwriter to take on as partner. Look at things like how long the company has been in business, who manages it, other services that are provided, and the company’s standing in the business community. You may want to read the newspaper’s business articles archive for recent press releases or company news. You also could browse a few industry publications to get a feel for who the best lenders in the business might be. You want to find a lender with a reputation for integrity, honesty, and professionalism as well as capability. Compare Merchant Accounts for services. A merchant account’s greatest advantage, at least as claimed by some experts, is the ability for a company owner to accept credit card payments. You need to find out which credit card payment method is best for your company. For example, do you plan to accept credit payments at your company’s location? Or will you or another employee take a wireless unit on the road for point-of-sale transactions at residential or business locations? Perhaps you are thinking about establishing a Website presence to attract customers from every location in the world. Find out what your preferred lender will support, along with possible fees for maintenance and service agreements. Compare Merchant Accounts for costs. Some lenders may ask you to pay an online application fee. Others may want you to join and pay an annual membership rate. There can be print statement fees, gateway costs, and other expenses associated with your merchant account. In addition, you will have to pay for the actual service that may be calculated on a per-transaction basis costing perhaps a few cents per payment or a low monthly overall interest rate that may or may not impose certain minimums. Read the fine print, ask lots of questions, and be prepared to do your homework before signing the contract. A merchant account may be the single most important decision you will need to make on your company’s behalf. Compare Merchant Accounts for service. Even in the application stage, does the company provide easy access to personnel who can answer questions or help you understand the process? Are the company associates courteous and knowledgeable? Can you follow their directions? If you experience a problem, is the company prompt in responding to issues and resolving complaints? If a problem arises with the processing services, will the lender work with you to reinstate service as quickly as possible? Considerations like these can help you competently Compare Merchant Accounts! Shane is the owner of <a href="http://www.merchant-account-quotes.com" target="_blank">http://www.merchant-account-quotes.com</a> A site where you can shop and compare multiple quotes from national leading merchant account providers. <a href="http://www.merchant-account-quotes.com" target="_blank">http://www.merchant-account-quotes.com</a>
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Free Credit Card Merchant Account
If you have been doing business for a few years, you probably have heard about the benefits of opening a free credit card merchant account to expand the availability of your products and services. However, there are so many banks and other financial institutions competing for your business that you may be unsure which one to partner with in this exciting venture. One attractive option is to look for a free credit card merchant account offer. Applying for a merchant account is easy and often can be handled online in a few moments’ time. However, it may be difficult to know which bank to choose. One may offer a lower transaction fee for credit card processing. Another may vie for your business by offering a no-fee installation of credit card processing equipment. But you could benefit more from a free credit card merchant account if the card does not come with hidden fees or limits. Start by shopping for a merchant account with banks that offer low-interest rate credit cards or a no-rate credit card merchant account. If your favorite bank does not currently offer this type of deal, ask about one. Perhaps they will consider offering you a special deal if you are a valued customer. Otherwise, when considering a merchant account credit card from a relatively unknown institution, compare the terms of the card to those from other banks to make sure you get the best deal. Sometimes a “free” credit card deal may actually hide or incur unexpected costs. For example, while you may not have to pay any up front costs when opening the account, like an application fee, you may be billed later for an annual membership fee that entitles you to use the credit card. Failing to pay this fee may result in the cancellation of your credit privileges. A free credit card merchant account should be free in every sense of its use, so ask about contingency fees or possible changes in terms later on as the economy shifts. You don’t want to get comfortable using the card only to find in a few months that you are being billed for services you did not expect to pay for. A free credit card merchant account can be just the thing to launch you into e-commerce use, however. You can use your credit account to purchase credit card processing equipment or other innovations that will upgrade your company’s image to impress customers and draw in new clients. Or you can use your free credit card merchant account to experiment with other marketing techniques, attend conventions, or try a new line of merchandise or services. If you have demonstrated skill in using business credit responsibly and in keeping with your business income and expenses, this type of credit card account may be just what you need to move your business forward and expand company interests or operations for your customers’ benefit. Check out all the terms and conditions when you apply to get the best free credit card merchant account. Shane Penrod is the founder of Merchant-Acount-Quotes.com Specializing in allowing merchants the ability to shop and compare multiple quotes from national merchant account providers. For free quotes on merchant account rates and fees, please go to <a href="http://www.merchant-account-quotes.com" target="_blank">http://www.merchant-account-quotes.com</a>
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