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>
Source: www.ArticlePros.com

Merchant Credit Card Account Applications
Since a personal credit card provides us with the means to make life easier and more enjoyable, can you imagine what a merchant credit card account can do for your business? This type of account is more than just a line of credit. It is an entire service package that offers support to help your company flourish and grow. Of course, as with any other type of credit account, it is important to use it responsibly. The first step toward obtaining this type of financial and technical support is to submit an application. Finding a merchant credit card account company is not hard at all. You just have to check with bankers in your area to see if they provide this service and are willing to work with you. Barring that route, you can do an online Internet search to find merchant account providers who are accepting new clients. There are plenty of banks and professional lenders who are looking for entrepreneurs to work with. They often will take a chance on new business owners if they think you have the potential to become a trusted client. But first you will need to pass muster by demonstrating your company’s capabilities in a few distinct areas. One is that you have a solid credit history and are not in bankruptcy. A copy of your company’s credit history should be adequate proof for this requirement. A second criterion is that your business has enough income to meet the new expenses of a merchant account. Bank statements or an annual report should help with this concern. Another thing the lender will want to know is the type of business you are doing. If you traffic in pornography, are engaged in telemarketing, or have left a trail linking your company to some unsavory dealings, the underwriter may decline your application. Conditions can vary; so ask about the eligibility requirements before applying. The next step toward applying for a merchant credit card account is to submit the application. Some lenders provide an online form that you can submit electronically, although you may be charged a fee for this privilege. Other loan agents will let you download a print application that you can complete in ink and mail by U.S. post. Either way, you will probably receive a response to your application within a few days by e-mail or in a letter. If your application is accepted, you can immediately begin to use your credit line and service package to set up a credit card processing system. Working with an account associate, you can arrange to install a credit card processor at your store’s checkout area. Or you can buy a wireless model for several hundred dollars and take it with you on the road when you service computers or appliances, or make deliveries to homes or businesses. Discuss the applications of your new merchant account with the loan officer to clarify limits and equipment options for your company’s use. You won’t be able to enjoy the use of merchant services until you apply for them, so ask your preferred lender about the application process for a merchant credit card account. Shane Penrod is the founder of <a href="http://www.merchant-account-quotes.com" title="http://www.merchant-account-quotes.com" target="_blank">http://www.merchant-account-quotes.com</a> 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" title="http://www.merchant-account-quotes.com" target="_blank">http://www.merchant-account-quotes.com</a>.
Source: www.ArticlePros.com

Credit Card Merchant Account Services
Did you know that credit card merchant account services could possibly multiply your sales receipts within a matter of weeks or months? Of course, other factors will play a role in the overall success of this strategy, but many company owners claim that the simple step of accepting credit card payments increased their income dramatically in a relatively short amount of time. That is why you need to know more about the benefits of credit card merchant services. Basically, the premise of using credit card merchant account services works like this. You find a trusted lender with experience in merchant accounts. You might even want to check with customers at some of the lending institutions to see if they are satisfied with their merchant account services. You also can find online testimonials, although these may be biased when situated at the Websites of various lenders. You could visit chat rooms devoted to topics like this one that are sure to be discussed among entrepreneurs or start-up business owners. After getting objective feedback on several possible lenders, you can choose the one that seems like the best bet for your company. It is a simple process to apply for credit card merchant account services. After reducing your possible underwriters to three or four after searching the Internet or checking with colleagues, it then becomes a matter of comparing and contrasting benefits with fees. Some companies are so well known that they can afford to charge more for their merchant account services. Others have recently added this option, so they might reduce, avoid, or omit certain fees in order to get your business. However, you may have to pay these fees after the first year or another type of trial period. Read all the terms carefully so that you understand how the account works, how much it costs, and what the potential glitches might be. Contact the lender with any questions or uncertainties before applying for an account. Then, when approved, you should feel confident that you have made a good investment. Obtaining credit card merchant account services will let you accept credit card payments from your customers in a variety of ways. If you own or operate a store, for example, they can pay onsite with a credit card processor that you can plug into a wall outlet. But if you deliver goods or services to homes or businesses, you may want to take along a wireless credit card processor. Depending on how your customers like to pay and the level of involvement you want to pursue, you can add a pager and an e-check or debit processor right away or later on, depending on equipment cost and your need. Being approved for a merchant services account will help you expand the way you do business. Many consumers prefer to pay by credit card, so accepting payments via this method will attract that segment of buyers and increase your volume of sales. Soon your profit margins should increase as well. Start thinking now about adding credit card merchant account services to your business. Shane Penrod is the founder of <a href="http://www.Merchant-Account-Quotes.com" target="_blank">http://www.Merchant-Account-Quotes.com</a> 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>
Source: www.ArticlePros.com