accept credit card

The Steps Needed to Accept Credit Card Payments Online

Whether you are a huge company, or just a fledgling start-up, accepting credit card payments is very important. Many people will not make any purchases on your web site if you do not accept credit card payments. Some people do not think that your business is reputable enough if you do not accept credit cards. Other people will buy on impulse, but, if they can not buy it right now, they leave your web site may not be back. Accepting credit card payments is not very hard to setup, but there are some distinct steps that need to be taken to allow you to do so.

First you will need to contact your bank or a third party company to setup a merchant account. A merchant account allows you to accept and hold credit card payments. The next step you will need to take is to create a form on your web site where the credit card information can be obtained. There is a variety of different scripts that can be used to accomplish this task. The code needed is not very complex and it can be written by almost any programmer. If you do not want to write code from scratch, then many are available to accept credit card payments, so you could also just purchase one of those.

After that you will need to purchase a service that will process credit card payments. Many services are available online, and some of these services will also allow you to setup a merchant account with them, so you can accomplish many steps working with 1 company.

Now that you have the steps needed to accept, process and store credit card payments, you need to make sure that your web site is secure, so that people's credit card information can not be stolen. To do this you need to setup your web site on SSL or Secure Sockets Layer. Your ISP can set this up for you, and then you can get an SSL certificate to let the world know that your site is secure. These are the basic steps needed to accept credit card payments on your web site. Use this information to help build your business today.

Learn more about getting a merchant account at http://www.loudcommerce.com/

accept credit card

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. http://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. http://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. http://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. [http://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 also 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.

accept credit card

There are several advantages associated with accepting credit cards at business. As most people would rather pay the loan, most companies use a credit card acceptance facility. Most business houses prefer accepting credit cards at business. If you haven't started accepting credit cards, you are losing revenue. Accepting credit card payments allow you to overcome the limitations of cash payments and making purchasing for the customers easier.

Accepting credit cards will multiply your profits and expand your client base in a very short time. Take a look at how to upgrade your payment solutions to improve your customer service and increase profits.

Credit cards allow customers who do not have the money on hand to make purchases from you despite their personal shortage of cash. They also open the door to customers who simply make all of their purchases by credit card as there are many people who prefer to make a single payment for all their monthly expenditures when their statement arrives.

In case your business operates online, accepting credit cards can be highly beneficial for you, as payment can be made immediately over the Internet. Your business can quickly transport the goods ordered without having to wait for a check to arrive by mail, and then waiting for the check to clear the bank before sending orders out to customers.

There are sure possibilities that your sales will increase by a higher level as studies show that credit card customers spend 2 1/2 times more than customers who only carry cash. Credit cards give customers freedom to spend for previously unplanned purchases. Dependency of people on cash and checks for retail and Internet business transactions is continually diminishing.

Cash or checks are difficult to handle both the businessman and customers. Accepting credit cards makes payment easier without any human error as everything is done by the credit card processor. Credit card is more convenient to handle than loose cash.

In short, to stay ahead in the competition, a business needs to continually upgrade itself technologically as chuck the obsolete methods of payment and turn towards accepting credit cards. A modern day customer prefers convenient and comfortable shopping.

Zed Miller, an expert business writer, regularly contributes his articles to various websites just to help merchants, small businesses and retail houses to expand their market base by accepting the prevailing mode of payments.

Visit http://www.merchantsericez.com [http://www.merchantservicez.com/Benefits-of-accepting-credit-cards-at-business.htm] to read more articles from this author.

accept credit card

We are definitely in the day when just about every business has to be able to accept credit cards. Those that haven't got with it yet, will soon get on the force because most people really don't carry much if any cash on them anymore. I think most business realize now how necessary it actually is to their bottom line by accepting credit cards.

There are a lot of reasons that a merchant account will become very useful to you. You can do things such as offer products and services over the Internet in which customers can pay via credit card. This gives you an edge by being able to offer what your business has to offer over the Internet, which consists of millions of potential shoppers. Yes, such a move may result in more work for your business, but the earning potential is only as limited as the supply in your warehouse.

If you own a retail outlet and/or an online store, you will be able to accept credit cards at both locations. It's important to have the credit card logos on display in your store front window, so that will be one of the first things people see and give them a positive message that they are welcome to shop here. To get your business all set up with the correct equipment, it's just a matter of contacting the credit card company and give them all the necessary information that will be needed to enable you to accept credit cards.

You will be charged a reasonable fee for each transaction, but you win in the end because you are going to bring in greater profits than if you never accepted credit cards at all. When paying a small price for each transaction is all you will have to pay, that makes it worth so many ways. You usually end up with free set-up, a low cost e-commerce gateway that opens you up to the many possibilities on the Internet, free reprogramming of the machine, and 24/7 support in case you end up having an issue in which you need help.

Having good support 24/7 especially if you plan on being open for 24 hours is crucial because it's if luck has a say, it will be at 3:00 a.m. in the morning when the credit card machine goes down, so having someone who's able to fix it will help. It would be next to impossible to keep a 24 hr regiment if you didn't accept credit cards so just that decision will give you the peace of mind to be able to sleep all night long while your credit card machine is busy making money for you.

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accept credit card

Everywhere you look today, you see them. The logos are plastered all over the entryways into most business shops you see on the roads, you seem the at the bottom of every order form page online or in the paper, and even the olympics and the NFL!

Visa and Mastercard logos are everywhere you want, or don't want them to be!

With the country today spending so much money on credit, with the "buy now, pay later" mentality, accepting credit cards will truly increase your business simply by accepting these forms of payments.

Debit cards are standard becoming the way younger adults pay. Cash is becoming also as obsolete as the 8 track!

National Translink Corporation has conducted a survey all over 10,000 merchants that have been accepting credit cards for over 3 years. What the study found, an astounding 68 percent of business owners accept all forms of payment within three months of net sales increased 45 percent listed the average. And that their customer base, was 60% of all customers used some type of payment other than cash.

Don't limit your businesses ability to increase profits.

Allow any customer to pay in whatever way they can, to truly help your business grow!

Could you ever imagine Walmart not accepting credit cards?

What types of losses would the WalMart company post if every store did not accept credit cards for one week.

What makes your small business any different?

National Translink Corporation

accept credit card

If your business is poised for growth, don't be held back by a fear of technology if you don't know how to accept credit cards by phone. E-commerce is the way to go if you want to stay ahead of the competition and grow your customer base. Even if your company does not own a piece of technical equipment, now is the time to jump on the bandwagon to take advantage of easy ways to increase your profits.

To accept credit cards by phone, you will first need to get a merchant account. That special attention offered by different lenders and financial institutions of reliable dealers who want to develop your business. A merchant account provides linkages between your business and customers' credit payments via a bank processing system that ensures timely receipts and secure transmissions. These can be handled in many different ways, such as through a credit card processor sitting on a cashier's counter, a Website credit processor, a wireless unit, or as discussed here, a telephone credit processing program. When you get approved for a merchant account, you will be able to choose the most appropriate service for your business, and many companies are opting telephone ordering services that provide a secure means of paying by credit card during a toll-free phone call that is often automated.

You will need to get the best deal on a merchant account before you can accept credit cards by phone. Shop for fees, terms, and products, since these accounts can be very competitive and some are laced with seemingly hidden costs, such as an application fee, gateway fee, and annual membership fee, among others. Once you find out what you will have to pay for a set-up and how much it will cost to put in a phone ordering and payment system, you will be able to negotiate a deal that will optimize your assets without jeopardizing your investment. You may want to use a toll-free number or even more than one number. It may be automated or you might choose to staff the phone line with a friendly customer service representative. It is important to make sure the line is secure so customers can feel safe about ordering and paying by credit card while on the phone with your company.

To accept credit cards by phone, ask your merchant account representative about the various options that you can choose from. Find out how much each one costs both in terms of direct and indirect expenses. Some may be billed at a certain rate per transaction, while others are charged an overall low percentage fee. It might even be a good idea to find out if your customers will want to order and pay be phone, because if not, your investment could dry up quickly. Be sure not to purchase more equipment or support than you need to get started. You can always add more features later as the business grows.

When you install a digital credit processing system, get ready to accept credit cards by phone.

Shane Penrod is the founder of http://www.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.

accept credit card

Internet businesses are growing rapidly. The internet is quickly becoming the prime real estate for any business. This is driven by the fact that the world is becoming more and more connected through the internet and business owners know it.

There are a couple of things that you should check into first if you are looking to do ecommerce. First, your site should be user friendly and have something of value to offer the internet community. This gives potential customers a reason to hang around on your website a little longer. Second, you will need a way of accepting credit card payments on your website.

The amount of money spent online each year continues to increase. This reflects the fact that shopping online is convenient and also that people are more trusting of internet businesses than they used to be. As sales online increase, sales at brick and mortar stores are likely to grow slower or not at all.

The trust of online shoppers is not automatic. You need to find a trusted merchant provider that can handle your credit card transactions for you. Online shoppers have become more internet savvy and are careful where they spend their money online. An online shopper's worst nightmare is to have their credit card info or any other personal information fall into the wrong hands. Anything that causes them question their decision to buy from you can have them abandoning the purchase at the checkout page.

In order to prevent this from happening, you should only use merchants that are known and trusted. One of the benefits of this is the use of the latest technology that they will likely have in place in your credit card transactions. This can help to reassure your customers that you are not a fly by night internet business. Setting up your merchant account will not be hard or take long, but it is important that you get it done and get it done with the right company.

Good merchant providers are easy to spot because it will become apparent that they care about you and the success of your business. They will recommend the best merchant account type for you and help you get that set up. They will answer questions quickly. Once you have the merchant account set up, you can sit back and relax.

Winning your customers trust when it comes to their personal information is a big deal in internet business. When this type of information you trust, then each successful internet marketers are facing is the single biggest hurdle jumped.

Having the right merchant provider can save you a lot of headache and time. It also leads to greater chance of being successful in your online business. Get this aspect of your internet business right and you are already heads and shoulders above millions of other online businesses that did not get that right.

It is imperative for businesses online to have a merchant account so that they can accept credit card payments.

accept credit card

If you run a small business or it has not been more than two years, there are chances that you will face obstacles or high costs from the average local bank in getting a merchant account status.

Examined by an independent sales organization to increase your sales of small businesses through the adoption of credit cards. ISOs are representatives from out-of-town banks that help small and home based businesses find banks willing to grant them merchant status. The ISO are able to help small businesses as they represent several banks with their own specialties and criteria. An ISO representative can match your requirements with the profile of the banks that she/he represents, without your going through the application process with all of them.

Once you have obtained a merchant status and in you are with a high quality provider, you can accept all major credit cards including Visa, Master Card, American Express and Discover Card. You can increase your small business sales by accepting credit cards.

Before you sign on with any bank, review the costs carefully and if you do not anticipate many credit-card sales, it might not be worthwhile for you to pay the setup and monthly fees. If you are not sure the costs will benefit your business in the long run being approved for your own merchant account may not be the right thing for you.

Accepting credit cards will increase your sales even if your business is small but with customers coming back to you for your products. You will be the one at loss as not accepting credit cards payments would leave you behind in the competition.

Zed Miller, an expert business writer, regularly contributes his articles to various websites just to help merchants, small businesses and retail houses to expand their market base by accepting the prevailing mode of payments. Visit [http://www.merchantservicez.com/Increase-small-business-sales-by-accepting-credit-cards.htm] to read more articles from this author

accept credit card

If you have a business online, you are going to have to have a way to accept credit cards online. There is no way around it. You can't run an online business by taking checks or money orders if you want to make money. If people have to take the time to send either of those in, they are going to get frustrated with the wait. You have to have a way to get a payment instantly so that you can get your product or service up and out the door as soon as they order it.

You will find that every successful website on the Internet knows how to accept credit cards online. They know that everyone is looking for fast service when they are shopping via the Internet, and that is what they give them. If you don't accept credit cards online you should see about having that option available as soon as you can. If you don't, you shouldn't expect to make a go of it, and you are going to find that it is more hassle than it's worth.

There are a few different ways to accept credit cards online, but it doesn't matter which you choose as long as you choose one of them. You can have a system that takes the card numbers much like they do in retail stores, or you can use Paypal to accept credit cards online. Paypal is not as common as the first method, but it is gaining in popularity. Though some are leery of Paypal, I honestly think if you are going to use a credit card this is the way to go. A person can use their credit card in their own account with Paypal and it makes check out faster and easier, and some feel, more secure.

Make sure you provide your visitors with a secure setting if you want to accept credit cards online. This means that the transaction is encrypted so that their information is not broadcast around the Internet for those who may take those numbers for their own use. You can see an https:// beginning to any web address that has a secure setting. If you want to accept credit cards online you have to have this or your customers will most definitely think twice before they put their information in for an order. They want to be safe, so you have to make sure you do everything you can to keep them feeling secure and at ease about ordering through your site.

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accept credit card

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

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.

For more information on how to accept credit cards without
a merchant account, visit:
http://www.yenommarketinginc.com/creditcards.html

RESOURCE BOX:

J. Stephen Pope, President of Pope Consulting Inc., http://www.popeconsultinginc.com/ has been helping clients to earn maximum business profits for over twenty-five years.

For valuable Work at Home Small Business Ideas, visit http://www.yenommarketinginc.com/

accept credit card