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Online Merchant Account



Online Merchant Account Services

A heavy deal of credit card transactions are now transmitted to merchant account processing banks, where the details are captured and authorized...
In this case, a customer receipt is created and then processed over the phone.
  • Payment gateway is the most common service for authorizing and processing payments made via the Internet.
  • There are two basic methods used by online merchant account services :
    1. A sponsored bank or payments processor
    2. An authorized bank’s agent registered with MasterCard and/or Visa
    When payments are processed by a bank, you will need to get your merchant account directly from this bank...
    Because banks charge higher processing fees for the use of international cards, you can save on international transactions if you are going to sell goods or services outside your country...


    The advantages of working with offshore accounts are as follows: If your business is on a global scale, the use of an offshore merchant account can be very beneficial for you...
    There are many types of an online merchant service that processes credit cards worldwide...
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    Online Merchant Account Services

    There are various types of online checking account services, which process credit cards online...


    If you have decided to make transactions via online merchant services, you should take care of your own financial security...
    They provide a voice authorization when the information is typed in and sent for processing...
    There are several ways this data can be read:

    1. Via credit card readers...


      Credit cards feature a computer chip, on which all the transaction data is stored...
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      Merchant Services



      To use merchant card services on your website, you will need a payment gateway, which will send your clients’ credit card details from your website to the payment processing provider...
      You can also take advantage of such merchant card services as PayPal, 2CheckOut, or Google Checkout that allow you to accept unlimited payments without the need to open a merchant account with your bank or other payment processing company...


      A merchant services account can be used to accept payments made with the following sources:

      • Credit cards
      • Debit cards
      • Electronic checks
      • Payrolls
      • Gifts
      • Direct payments
      • Online shopping carts
      • Other point of sale software and enterprise payment processing systems

      Credit Card Merchant Services

      Credit card merchant services are aimed at providing ample opportunities for online businesses to accept credit and debit card payments...


      Although the basic functionality of most credit card merchant services is to allow businesses to accept payments by credit cards, they usually work with all cards, including Visa, MasterCard, Amex, Discover...
      But let’s look into some more important driving forces when comparing merchant services:
      • Charges and fees per each transaction
      • Monthly fees, if any
      • Discounts and offerings
      • Fees offered for a technical support
      • Customer support availability
      • The costs for card terminal use
      The leading position among other merchant services providers belongs to Total Merchant Services, which offers different packages with the fees starting from $10 per month or $0.35 per transaction...
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      Payment Processing



      The benefits of working with payment processing services include:

      • You do not have to manually check each customer’s credit and debit card details
      • There’s no need for you to open a merchant account, which, in fact, is suitable mainly for larger companies
      • You do not have to worry about managing secure payment systems
      • Application process is usually less strict and is processed faster than a merchant account application
      • Almost any business can apply
      There are a few disadvantages, including:
      • Although payments are done through your website, customers can see that the money is sent using a third-party platform
      • Many payment processing companies may release your payments only in 30 or 60 days after the actual purchase is made
      • If a transaction turns to be a fraud, the fee will be deducted from your account...
        This may be cheaper than other options available.
        • Payment Processing Services

          Payment processing services involve the collection of credit and debit card details from your customers and then forwarding the money to your bank account...

          Online Payment Processing

          Online payment processing usually implies the use of credit and debit cards...
          ACH payment processing allows its users to provide more options for online payments, including the options that do not require permanent credit cards usage...
          However, not all processing companies charge your account

        Credit Card Payment Processing

        To run a successful online business, you will most likely need a secure card payment processing system...
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        Free Online Merchant Account

        Credit card processing has long become one of the most popular ways to make transactions...
        There are so called offshore merchant account services, with the help of which you can create accounts based outside your region...
        For instance, if you use an internal account and strike a deal with a merchant residing outside the United States, the deal will be considered international, which will entail higher fees...
        For instance, if the Mexicans are your target audience and your business is registered in the United States, you can set up a Mexico-based offshore merchant account and receive payments from the residents of Mexico...


        There are several reasons why this sort of account is regarded by many as the best option:

        1. It is available for free
        2. It helps you boost your business by attracting audience from various parts of the world
        3. You have a broader choice of banks and electronic payment services
        4. You can increase your turnover and save more money
        Because banks charge higher fees for international transactions, an offshore account allows you to avoid these charges...
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        Credit Card Processing

        There’s no more need to verify your credit card transactions with a phone – Internet merchant providers allow you to facilitate the process and process payments online at an unprecedented speed!

        There are many online resources offering credit card processing reviews , but let’s look at the benefits of CC processing services in general, which are obvious:

        • You can now accept money from all over the globe
        • There’s no need for your clients to show you their physical card
        • Payments can be done through the Internet, phone or mail
        • You do not have to lease or buy those expensive physical terminals to process transactions, which means that a virtual terminal is a more cost-effective solution
        With the Internet’s evolution, online shopping has become a common thing used on a daily basis...
        In addition to Point of Sale (PoS) terminal, you can take advantage of online merchant credit card processing services that will ensure safety, convenience and fast transactions processing...
        To help in their mission, telephone processing services provide the next advance in the credit card processing technology...


        Today, even small businesses have enough tools to compete with large organizations and online credit card processing makes it all possible!

        Credit Card Processing Services

        As a cost effective option that can replace stand alone terminals, credit card processing services may turn any PC or laptop to a virtual terminal...


        A very important factor about credit card processing services is their safety and security...
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