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Best Online Merchant Account

Instead of using cash, you can hold transactions using an online merchant service...


In order to reduce the risks, you can start an online high risk merchant account...


If you are going in for any of the mentioned high risk businesses and have no option but to open a high risk merchant account, you should do the following:

  1. Consider several banks and choose one that accepts this sort of business
  2. Get acquainted with agents who you think can help you create an account
  3. Make sure you have filled in all the blanks and applications correctly...
    Experienced agents know everything about credit card processing, and they are quite open about other respectable banking institutions providing similar services...
    Make sure the service is located on a secure server and the url starts with https ......
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    Payment Processing

    This is a perfect option in case you do not expect too many online transactions and you do not have a need for a merchant account...


    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...


      How to Choose the Best Option for Online Payments

      There are several options that you can choose for your online business:
      1. Online merchant account...
        You won’t be able to accept online payments without payment processing services; however, there are many things for you to consider before choosing this or that company, e.g.:
        • The company must provide certified payment processing services ensuring that you work with a trusted provider...
          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...
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            Merchant Services

            All these businesses are classified as high risk and need high risk merchant services that will help the business owners to engage in their online activity without most of the risks associated with opening a merchant account...
            For example, some merchant services providers charge just a few percents of each payment processing, which may start from 3 cents only!

            If you are going to enhance your online campaign and sell lots of products and/or services, you will most likely need to open a merchant account, which will significantly reduce your charges and is considered a better way of representation in the eyes of your clients...


            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...


            Merchant Service Account

            A merchant service account represents a bank account that businesses would normally use to accept payments made by means of credit and/or debit cards...


            Online Merchant Services

            There is a special category for such online merchant services as adult sites, rental services, recreation, phone ordering, dating, ticket services, investment, downloadable software, jewelry sales, weight loss, sports equipment, travel services, etc...
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            Credit Card Processing



            Online Credit Card Processing

            With traditional payment processing through a physical terminal giving way to online credit card processing, you can now easily buy most goods and services with a virtual account...


            Merchant Account Credit Card Processing

            Many small to large businesses take advantage of merchant account credit card processing as one of the best ways to boost sales and online presence...
            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...

            Step 4 – Delivery

            Once the transaction is processed, you can offer your clients to have their products delivered to their doors or instantly download the item they paid for (this can be a ticket, software, photo, etc.)

            When the funds reach your bank account, you can then withdraw them at any ATM supporting the card issued by your merchant account provider...
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            Free Online Merchant Account

            There are so called offshore merchant account services, with the help of which you can create accounts based outside your region...


            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...
            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...
            If you use an offshore checking account, the deal will be regarded as domestic and you will not have to pay more for the transaction...
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            Online Merchant Account Services



            If you have decided to make transactions via online merchant services, you should take care of your own financial security...
            There are various types of online checking account services, which process credit cards online...
            Make sure your service is located on a secure server...
            It reads the information stored on the chip, processes it and sends it to the merchant bank.

          • Via automated response units...
            The choice of a service depends on your business type, degree of risk, local legislation and many other factors...
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