Merchant Credit Card Terminals
By [http://ezinearticles.com/?expert=Kent_Pinkerton]Kent Pinkerton
Merchant credit card terminals are electronic devices offering fast, low-cost means to authorize and process credit card transactions. They are very commonly used in retail stores and restaurants. Most merchant credit card terminals accept all major credit, debit, and private-label cards offering low-cost credit card authorization, check guarantee, and data capture for a range of retail applications.
A terminal to process credit cards is a great investment to your business. Most merchant credit card terminals support Internet-based services such as e-mail, electronic signature, interactive electronic coupons, onscreen advertising, cash management reporting, and e-commerce. They make transactions more convenient, faster, and accurate for both customers and merchants.
At first, merchant credit card processing terminals verify your customer's card information. Then they withdraw money for the purchase from the customer?s account and deposit it directly into your merchant account. The most important units of merchant credit card terminals are card readers with a small keypad and display. They require power supply and can communicate through a telephone line. Modern terminals are powered by batteries and can communicate wireless or over the Internet. They come in several sizes and prices.
There are many types of merchant credit card terminals: traditional terminals (with or without printers), wireless terminals, and virtual or software-based terminals. Merchants with a permanent place of business need a basic card reader terminal. In this case, the terminal is placed right on the counter where all transactions take place. For businesses that constantly change locations, a wireless credit card processing terminal is a good choice. It is suitable for merchants who are always on the go.
Millions of merchant credit card terminals ship annually and the majority have the same basic functions and features. It can only be used in combination with a merchant account that processes credit card transactions. Businesses already using credit card terminals need to buy extra equipments to maintain additional services such as debit card transactions and issuing and accepting gift cards. A number of terminals also support additional forms of payment such as electronic bank transfers and phone cards. [http://www.e-CreditCardTerminals.com]Credit Card Terminals provides detailed information on Credit Card Terminals, Credit Card Terminal Systems, Wireless Credit Card Terminals, Credit Card Processing Terminals and more. Credit Card Terminals is affiliated with [http://www.i-CreditCardProcessing.com]Credit Card Processing Software.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton http://EzineArticles.com/?Merchant-Credit-Card-Terminals&id=353177
Monday, July 16, 2007
Saturday, July 14, 2007
Merchant Account
Merchant Account Services
By [http://ezinearticles.com/?expert=Alison_Cole]Alison Cole
Check out any store and you will find that people no longer find it viable to make payments in cash. The preferred mode of payment is the debit card or the credit card. No matter what your business, the best way to stay ahead is to give the customers the ease of making the payment in the mode they choose. This means if they don’t want to pay cash, you must have the provisions to accept credit card payments. In fact studies have shown that accepting credit payments can increase your sales manifold. To accept credit card payments, you will need an online merchant account with a bank, financial institution, or acquiring institutions. All these institutions charge a minimal amount of fees for their services, but then the fee is well worth the improvement in your business.
Your financial or acquiring institution should be able to provide a number of services. First and foremost they should be able to provide you personalized services in setting up your account. Your merchant account should have facilities for online trading, as also taking orders on the phone.
Now, suppose your business is an online store. This means, your customers can make orders merely by the click of a mouse. They can make their payments online through credit card. For this, there will be a form in which they will submit their details including that of their credit card. To accept online payment, you can link your account to any of the Internet gateway solution providers, which include Verisign, Orbital, or Fast Transact. You can link your order forms to these gateway companies, who will then process the transactions.
Then there is the phone line processing services. That means the customers can dial a toll free number, and provide the requisite information based on the voice prompts.
Another service is the POS (Credit card service), which enables you to take orders over the phone and fax and process them through a terminal machine.
You also have the option of a computer software program that can store your customer’s details, as these are beneficial for recurring payments. [http://www.MerchantServices-Web.com]Merchant Services provides detailed information about merchant services, e-commerce merchant services, high risk merchant accounts, internet merchant services and more. Merchant Services is the sister site of [http://www.e-TelecomAudits.com]Telecom Audits Info.
Article Source: http://EzineArticles.com/?expert=Alison_Cole http://EzineArticles.com/?Merchant-Account-Services&id=144901
By [http://ezinearticles.com/?expert=Alison_Cole]Alison Cole
Check out any store and you will find that people no longer find it viable to make payments in cash. The preferred mode of payment is the debit card or the credit card. No matter what your business, the best way to stay ahead is to give the customers the ease of making the payment in the mode they choose. This means if they don’t want to pay cash, you must have the provisions to accept credit card payments. In fact studies have shown that accepting credit payments can increase your sales manifold. To accept credit card payments, you will need an online merchant account with a bank, financial institution, or acquiring institutions. All these institutions charge a minimal amount of fees for their services, but then the fee is well worth the improvement in your business.
Your financial or acquiring institution should be able to provide a number of services. First and foremost they should be able to provide you personalized services in setting up your account. Your merchant account should have facilities for online trading, as also taking orders on the phone.
Now, suppose your business is an online store. This means, your customers can make orders merely by the click of a mouse. They can make their payments online through credit card. For this, there will be a form in which they will submit their details including that of their credit card. To accept online payment, you can link your account to any of the Internet gateway solution providers, which include Verisign, Orbital, or Fast Transact. You can link your order forms to these gateway companies, who will then process the transactions.
Then there is the phone line processing services. That means the customers can dial a toll free number, and provide the requisite information based on the voice prompts.
Another service is the POS (Credit card service), which enables you to take orders over the phone and fax and process them through a terminal machine.
You also have the option of a computer software program that can store your customer’s details, as these are beneficial for recurring payments. [http://www.MerchantServices-Web.com]Merchant Services provides detailed information about merchant services, e-commerce merchant services, high risk merchant accounts, internet merchant services and more. Merchant Services is the sister site of [http://www.e-TelecomAudits.com]Telecom Audits Info.
Article Source: http://EzineArticles.com/?expert=Alison_Cole http://EzineArticles.com/?Merchant-Account-Services&id=144901
Friday, July 13, 2007
Merchant Account
Internet Merchant Credit Card Accounts
By [http://ezinearticles.com/?expert=Seth_Miller]Seth Miller
Internet merchant credit card accounts are those accounts in which payments made through credit cards can be transferred to a specified account by customers making online purchases. These accounts are operated on behalf of the merchants by a third party.
A large number of Internet merchant account providers provide these services. Internet merchant accounts accept all kinds of online payments, including payments made via credit cards, or the electronic transfer of money from one merchant account to another. Internet merchant credit card accounts accept only credit card payments.
The requirements for such accounts emerged after online business started expanding. Over the last few years, online business has come of age. In an online transaction there is no human contact, so there is a need to have a mechanism where cash can change hands even when sellers and buyers sit thousands of miles apart. The nature of online transactions has made Internet merchant accounts a necessity for an online business.
An Internet merchant credit card account is easy to open and operate. The account provider also provides round-the-clock technical service. It also give you a unique user ID and password which ensures that only authorized persons have access to the account, in which online payments made through credit cards are transferred.
Always try to choose an Internet merchant credit card account provider who enjoys credibility in the market and provides speedy credit card sales processing facilities. It should be comfortable handling all the major brands of credit cards. And look at the costs associated with operating this kind of account. The costs could vary depending on which account provider you have hired and which "package" of services you have selected. Choose one which suits your business requirements without making a heavy dent on your profit. [http://www.e-InternetMerchantAccounts.com]Internet Merchant Accounts provides detailed information on Internet Merchant Accounts, Free Internet Merchant Accounts, Ecommerce Internet Merchant Accounts, Internet Merchant Credit Card Accounts and more. Internet Merchant Accounts is affiliated with [http://www.e-CommerceMerchantAccounts.com]International Ecommerce Merchant Accounts.
Article Source: http://EzineArticles.com/?expert=Seth_Miller http://EzineArticles.com/?Internet-Merchant-Credit-Card-Accounts&id=254697
By [http://ezinearticles.com/?expert=Seth_Miller]Seth Miller
Internet merchant credit card accounts are those accounts in which payments made through credit cards can be transferred to a specified account by customers making online purchases. These accounts are operated on behalf of the merchants by a third party.
A large number of Internet merchant account providers provide these services. Internet merchant accounts accept all kinds of online payments, including payments made via credit cards, or the electronic transfer of money from one merchant account to another. Internet merchant credit card accounts accept only credit card payments.
The requirements for such accounts emerged after online business started expanding. Over the last few years, online business has come of age. In an online transaction there is no human contact, so there is a need to have a mechanism where cash can change hands even when sellers and buyers sit thousands of miles apart. The nature of online transactions has made Internet merchant accounts a necessity for an online business.
An Internet merchant credit card account is easy to open and operate. The account provider also provides round-the-clock technical service. It also give you a unique user ID and password which ensures that only authorized persons have access to the account, in which online payments made through credit cards are transferred.
Always try to choose an Internet merchant credit card account provider who enjoys credibility in the market and provides speedy credit card sales processing facilities. It should be comfortable handling all the major brands of credit cards. And look at the costs associated with operating this kind of account. The costs could vary depending on which account provider you have hired and which "package" of services you have selected. Choose one which suits your business requirements without making a heavy dent on your profit. [http://www.e-InternetMerchantAccounts.com]Internet Merchant Accounts provides detailed information on Internet Merchant Accounts, Free Internet Merchant Accounts, Ecommerce Internet Merchant Accounts, Internet Merchant Credit Card Accounts and more. Internet Merchant Accounts is affiliated with [http://www.e-CommerceMerchantAccounts.com]International Ecommerce Merchant Accounts.
Article Source: http://EzineArticles.com/?expert=Seth_Miller http://EzineArticles.com/?Internet-Merchant-Credit-Card-Accounts&id=254697
Monday, July 9, 2007
Merchant Account
Internet Merchant Accounts
By [http://ezinearticles.com/?expert=Kent_Pinkerton]Kent Pinkerton
An Internet merchant account can help you use and accept all modes of payment, such as credit, debit, and EBT. Today, many people use credit cards and electronic checks to pay for goods. People use them everywhere, especially online. In other words, to conduct a transaction on the World Wide Web, one does need to have a credit card or a bank account.
If you are a business proprietor then you cannot operate on the Internet unless you accept these forms of payment. You need to set up a certain infrastructure to be able to accept these various forms of payments, which is where an Internet merchant account comes into play.
Processing all forms of payment is good for business since it increases a merchant's consumer base. An Internet merchant account not only allows the business owner to accept major credit cards and personal checks, but also allows them to process the payments in a risk-free, secure way. In an electronic environment, the customer can key in his or her personal and financial information via the secure network and the web pages would direct him or her through the entire sales process. The customer knows that that all the information is secure and the merchant knows that the funds will be placed in the business account shortly.
The business owner can purchase various types of “Buy it” buttons from the merchant account gateway. Once the customer clicks on the button to purchase an item, the customer is automatically shifted to the section for payment methods. Such an account can also computes taxes for each item sold as per the requirement for domestic and foreign rates for United States Mail, FedEx, and UPS.
Payment methods, tax calculations, and shipping preferences are few of the steps in the purchasing transaction that are handled automatically and quickly. By assisting the consumer and making the payment environment easy and safe to use, the merchant has provided exceptional customer service. [http://www.e-highriskmerchantaccounts.com]High Risk Merchant Accounts provides detailed information about high risk merchant accounts, high risk offshore merchant accounts and more. High Risk Merchant Accounts is affiliated with [http://www.i-backgroundchecks.com]Background Checks.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton http://EzineArticles.com/?Internet-Merchant-Accounts&id=131762
By [http://ezinearticles.com/?expert=Kent_Pinkerton]Kent Pinkerton
An Internet merchant account can help you use and accept all modes of payment, such as credit, debit, and EBT. Today, many people use credit cards and electronic checks to pay for goods. People use them everywhere, especially online. In other words, to conduct a transaction on the World Wide Web, one does need to have a credit card or a bank account.
If you are a business proprietor then you cannot operate on the Internet unless you accept these forms of payment. You need to set up a certain infrastructure to be able to accept these various forms of payments, which is where an Internet merchant account comes into play.
Processing all forms of payment is good for business since it increases a merchant's consumer base. An Internet merchant account not only allows the business owner to accept major credit cards and personal checks, but also allows them to process the payments in a risk-free, secure way. In an electronic environment, the customer can key in his or her personal and financial information via the secure network and the web pages would direct him or her through the entire sales process. The customer knows that that all the information is secure and the merchant knows that the funds will be placed in the business account shortly.
The business owner can purchase various types of “Buy it” buttons from the merchant account gateway. Once the customer clicks on the button to purchase an item, the customer is automatically shifted to the section for payment methods. Such an account can also computes taxes for each item sold as per the requirement for domestic and foreign rates for United States Mail, FedEx, and UPS.
Payment methods, tax calculations, and shipping preferences are few of the steps in the purchasing transaction that are handled automatically and quickly. By assisting the consumer and making the payment environment easy and safe to use, the merchant has provided exceptional customer service. [http://www.e-highriskmerchantaccounts.com]High Risk Merchant Accounts provides detailed information about high risk merchant accounts, high risk offshore merchant accounts and more. High Risk Merchant Accounts is affiliated with [http://www.i-backgroundchecks.com]Background Checks.
Article Source: http://EzineArticles.com/?expert=Kent_Pinkerton http://EzineArticles.com/?Internet-Merchant-Accounts&id=131762
Friday, July 6, 2007
Merchant Account
Merchant Accounts
By [http://ezinearticles.com/?expert=Marcus_Peterson]Marcus Peterson
An account where merchants can accept credit card payments is known as a merchant account. Merchant accounts can be acquired through credit card companies, banks, or any other payment processor. A merchant wanting to take credit card payments must have a merchant account.
There are three major forms of merchant accounts. One is the retail merchant account. This account generally offers the lowest transaction fees, but often comes with stringent rules. Retail merchant accounts mostly require credit card sales be done with the "card present." In other words, the card has to be swiped through a credit card terminal for the transaction to take place. Retail merchant accounts are usually linked with restaurants, small hotels and grocery stores. Retail merchant accounts are not suited for merchants who want to conduct business through the Internet or the mail.
Mail Order Telephone Order (MOTO) accounts generally charge higher transaction rates; these accounts are used when the credit cards cannot be physically utilized. In this case, merchants process the payments by entering the customer’s credit card data onto a personal computer, or through a standard web browser, where they can process the transaction on the payment service provider's website.
Internet merchant accounts are quite similar to MOTO accounts in that the credit card need not be physically used. However, these transactions can only be done through the Internet. Merchants with Internet accounts employ a payment service gateway or a virtual terminal to process credit card transactions.
It is imperative to choose the appropriate form of merchant account for the business you are conducting. Also, it is wise to carefully go through the terms of service of the providers, as many charge a fortune and have strict rules. [http://www.z-MerchantAccounts.com]Merchant Accounts provides detailed information on Merchant Accounts, Credit Card Merchant Accounts, Internet Merchant Accounts, About High Risk Merchant Accounts and more. Merchant Accounts is affiliated with [http://www.merchantservices-web.com]Internet Merchant Services.
Article Source: http://EzineArticles.com/?expert=Marcus_Peterson http://EzineArticles.com/?Merchant-Accounts&id=251460
By [http://ezinearticles.com/?expert=Marcus_Peterson]Marcus Peterson
An account where merchants can accept credit card payments is known as a merchant account. Merchant accounts can be acquired through credit card companies, banks, or any other payment processor. A merchant wanting to take credit card payments must have a merchant account.
There are three major forms of merchant accounts. One is the retail merchant account. This account generally offers the lowest transaction fees, but often comes with stringent rules. Retail merchant accounts mostly require credit card sales be done with the "card present." In other words, the card has to be swiped through a credit card terminal for the transaction to take place. Retail merchant accounts are usually linked with restaurants, small hotels and grocery stores. Retail merchant accounts are not suited for merchants who want to conduct business through the Internet or the mail.
Mail Order Telephone Order (MOTO) accounts generally charge higher transaction rates; these accounts are used when the credit cards cannot be physically utilized. In this case, merchants process the payments by entering the customer’s credit card data onto a personal computer, or through a standard web browser, where they can process the transaction on the payment service provider's website.
Internet merchant accounts are quite similar to MOTO accounts in that the credit card need not be physically used. However, these transactions can only be done through the Internet. Merchants with Internet accounts employ a payment service gateway or a virtual terminal to process credit card transactions.
It is imperative to choose the appropriate form of merchant account for the business you are conducting. Also, it is wise to carefully go through the terms of service of the providers, as many charge a fortune and have strict rules. [http://www.z-MerchantAccounts.com]Merchant Accounts provides detailed information on Merchant Accounts, Credit Card Merchant Accounts, Internet Merchant Accounts, About High Risk Merchant Accounts and more. Merchant Accounts is affiliated with [http://www.merchantservices-web.com]Internet Merchant Services.
Article Source: http://EzineArticles.com/?expert=Marcus_Peterson http://EzineArticles.com/?Merchant-Accounts&id=251460
Wednesday, July 4, 2007
Merchant Account
Credit Card Merchant Account – Do You Need One?
By Shane Penrod
There are many reasons why a creditcard merchant account may be
right for your business. If your customer base is growing
steadily or if you are having problems finding time to collect
delinquent accounts, a credit card merchant account may be the
answer to your difficulties. A merchant account allows you to
partner with an acquiring bank to process credit card payments
made on your company’s Internet Website. You also may wish to
consider adopting wireless services as well as other electronic
equipment that can help you facilitate online transactions.
A credit card merchant account is the first step toward
establishing an international business presence. After the
account has been approved and opened, often within a few days,
you can arrange to install a credit card processing unit that
will allow clients to make Internet payments at your Website.
You can save thousands of dollars in human resource staffing
when you rely on electronic equipment to manage some of these
functions for you, including customer service inquiries,
orders, payments, and other related functions. Your job may
become easier than ever while profits soar to new heights.
Customers will appreciate the ease and convenience of browsing
your company’s products or services online at any time of the
day or night without the pressure of a sales associate looking
over their shoulders.
Failing to open a merchant account will thus deprive your
customers of the benefits of online shopping and avoiding cash
transactions. If you are unwilling to provide e-commerce
options, they are likely to find other customers who already
have posted credit card processors for easy shopping payments
and checkout. Your credit card merchant account can put you
ahead of the competition, as others will see you as an
innovative leader in your field and bring their business to you
instead of other entrepreneurs who do not yet have merchant
accounts.
Opening a credit card merchant account is easy. In many cases,
all you need do is fill out a form online at a suitable
financial institution like a bank or credit union that manages
this type of accounts. In a day or two your account could be
approved, especially if you have a good credit history and a
specific plan for operating your business so as to avoid
overextending your company assets. After being approved, you
could be operating under your new merchant account status
within three days or so. As your company Website begins to
accept credit card payments, the word will get around and you
soon could be seeing unexpected high-income levels due to your
merchant status as well as a growing reputation for
sophisticated business practices.
Browse the many local banking institutions that are waiting to
work with you to provide a merchant account that will enhance
the way you do business. Then request credit card processing
equipment to handle online payments from enthusiastic
customers. Business has never been better for those who take
the initiative to explore this exciting new way of making money
by opening a credit card merchant account.
About the Author: Shane Penrod is the founder of
Merchant-Account-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
http://www.merchant-account-quotes.com
Source: http://www.isnare.com
By Shane Penrod
There are many reasons why a creditcard merchant account may be
right for your business. If your customer base is growing
steadily or if you are having problems finding time to collect
delinquent accounts, a credit card merchant account may be the
answer to your difficulties. A merchant account allows you to
partner with an acquiring bank to process credit card payments
made on your company’s Internet Website. You also may wish to
consider adopting wireless services as well as other electronic
equipment that can help you facilitate online transactions.
A credit card merchant account is the first step toward
establishing an international business presence. After the
account has been approved and opened, often within a few days,
you can arrange to install a credit card processing unit that
will allow clients to make Internet payments at your Website.
You can save thousands of dollars in human resource staffing
when you rely on electronic equipment to manage some of these
functions for you, including customer service inquiries,
orders, payments, and other related functions. Your job may
become easier than ever while profits soar to new heights.
Customers will appreciate the ease and convenience of browsing
your company’s products or services online at any time of the
day or night without the pressure of a sales associate looking
over their shoulders.
Failing to open a merchant account will thus deprive your
customers of the benefits of online shopping and avoiding cash
transactions. If you are unwilling to provide e-commerce
options, they are likely to find other customers who already
have posted credit card processors for easy shopping payments
and checkout. Your credit card merchant account can put you
ahead of the competition, as others will see you as an
innovative leader in your field and bring their business to you
instead of other entrepreneurs who do not yet have merchant
accounts.
Opening a credit card merchant account is easy. In many cases,
all you need do is fill out a form online at a suitable
financial institution like a bank or credit union that manages
this type of accounts. In a day or two your account could be
approved, especially if you have a good credit history and a
specific plan for operating your business so as to avoid
overextending your company assets. After being approved, you
could be operating under your new merchant account status
within three days or so. As your company Website begins to
accept credit card payments, the word will get around and you
soon could be seeing unexpected high-income levels due to your
merchant status as well as a growing reputation for
sophisticated business practices.
Browse the many local banking institutions that are waiting to
work with you to provide a merchant account that will enhance
the way you do business. Then request credit card processing
equipment to handle online payments from enthusiastic
customers. Business has never been better for those who take
the initiative to explore this exciting new way of making money
by opening a credit card merchant account.
About the Author: Shane Penrod is the founder of
Merchant-Account-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
http://www.merchant-account-quotes.com
Source: http://www.isnare.com
Tuesday, July 3, 2007
Merchant Account
Accept Credit Cards Online Without a Merchant Account
By Joe Duchesne
There are two major ways to accept credit cards on your website. The first and most expensive is to have your own merchant account. Not only is this option expensive, it also requires extensive credit checks, lots of paperwork, and usually takes days or weeks before you get approved. Fortunately, there is an alternative.
Third party payment processors who will accept credit card payments on your behalf exist in growing numbers. These third party processors will take a percentage of your sale for their troubles, then pass on the rest to you. Rates vary greatly from one payment provider to another so doing your homework is important in order to get the right fit for you. Some payment providers will accept all kinds of goods and services while others specialize in only digital products, or hard goods, or services.
General Purpose Payment Providers include:
Paypal – Owned by Ebay, Paypal offers one of the lowest rates of any third party payment processor. At the time of this writing, their standard rates were 2.9% plus $0.30 US per transaction. Paypal offers excellent support and great documentation to get you up and running in no time at all. www.paypal.com
2checkout.com – Has a $49 US one time setup fee. Their rates at the time of this writing were $0.45 US plus 5.5% transaction fee. Discount rates are middle of the pack, service is very good and through them, you can accept most major credit cards. www.2checkout.com
Digital Information Payment Providers include:
Clickbank – You pay a one time $49.95 US activation fee. They then pay you the retail price of your product minus $1 and a 7.5% fee. Clickbank also has an easy to use affiliate program so that you can make money when others sell your product. www.clickbank.com
Digibuy – An electronic commerce solution for publishers of software, shareware, electronic art, information, and data. They charge a rate of 13.9% per transaction with a $3 US minimum order. They provide you with many features including brandable order forms, invoicing and test orders. www.digibuy.com
All but Clickbank give you the ability to have brandable shopping carts. This allows you to customize your order forms so that the customer doesn't feel like they are leaving your site thereby building trust. All of the third party payment processors above provide you with help to get started.
Accepting credit cards online doesn't have to cost you a lot of money. Most times it doesn't even have to include a credit check. Most of these services will even make regular deposits directly into your bank account for ultimate convenience.
When you need to accept credit cards quickly and inexpensively, one of the payment providers mentioned above just might fit the bill.
Joe Duchesne is the webmaster for turbomerchant.com which specializes in offering information to people looking to sell online via a merchant account and accept credit cards online. Reprint freely as long as the keyword rich link in this resource box stays live and with this article.
Article Source: http://EzineArticles.com/?expert=Joe_Duchesne
http://EzineArticles.com/?Accept-Credit-Cards-Online-Without-a-Merchant-Account&id=9567
By Joe Duchesne
There are two major ways to accept credit cards on your website. The first and most expensive is to have your own merchant account. Not only is this option expensive, it also requires extensive credit checks, lots of paperwork, and usually takes days or weeks before you get approved. Fortunately, there is an alternative.
Third party payment processors who will accept credit card payments on your behalf exist in growing numbers. These third party processors will take a percentage of your sale for their troubles, then pass on the rest to you. Rates vary greatly from one payment provider to another so doing your homework is important in order to get the right fit for you. Some payment providers will accept all kinds of goods and services while others specialize in only digital products, or hard goods, or services.
General Purpose Payment Providers include:
Paypal – Owned by Ebay, Paypal offers one of the lowest rates of any third party payment processor. At the time of this writing, their standard rates were 2.9% plus $0.30 US per transaction. Paypal offers excellent support and great documentation to get you up and running in no time at all. www.paypal.com
2checkout.com – Has a $49 US one time setup fee. Their rates at the time of this writing were $0.45 US plus 5.5% transaction fee. Discount rates are middle of the pack, service is very good and through them, you can accept most major credit cards. www.2checkout.com
Digital Information Payment Providers include:
Clickbank – You pay a one time $49.95 US activation fee. They then pay you the retail price of your product minus $1 and a 7.5% fee. Clickbank also has an easy to use affiliate program so that you can make money when others sell your product. www.clickbank.com
Digibuy – An electronic commerce solution for publishers of software, shareware, electronic art, information, and data. They charge a rate of 13.9% per transaction with a $3 US minimum order. They provide you with many features including brandable order forms, invoicing and test orders. www.digibuy.com
All but Clickbank give you the ability to have brandable shopping carts. This allows you to customize your order forms so that the customer doesn't feel like they are leaving your site thereby building trust. All of the third party payment processors above provide you with help to get started.
Accepting credit cards online doesn't have to cost you a lot of money. Most times it doesn't even have to include a credit check. Most of these services will even make regular deposits directly into your bank account for ultimate convenience.
When you need to accept credit cards quickly and inexpensively, one of the payment providers mentioned above just might fit the bill.
Joe Duchesne is the webmaster for turbomerchant.com which specializes in offering information to people looking to sell online via a merchant account and accept credit cards online. Reprint freely as long as the keyword rich link in this resource box stays live and with this article.
Article Source: http://EzineArticles.com/?expert=Joe_Duchesne
http://EzineArticles.com/?Accept-Credit-Cards-Online-Without-a-Merchant-Account&id=9567
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