Get free merchant account setup and 24/7 support for credit card processing. Application is fast and easy. Guaranteed low rates & fees.
www.cardservicesales.com
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Guaranteed low cost for Online Merchant Accounts. 40,000 Merchants can't be wrong!
Accept CC's | Software | Get Started | Testimonials
www.MerchantWarehouse.com
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Compare Online Merchant Account Providers. Credit Card Processors Compete for You with 1 Easy Form. Save Time & Money Today!
Merchant Accounts | CompareProcessors | Free&NoObligation | SubmitRequest-Now
www.ProposalPortal.com/MerchantAccounts
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Application Is Fast, Free & Easy. Guaranteed Low Rates And Fees.
www.cardservicesales.com
Credit Card Processing Made Easy Free Setup, Same Day Approvals
www.Charge.com
Accept credit cards online for your eCommerce business with guaranteed lowest online rates and get a free shopping cart.
Online Processing | Online Software | Rates & Fees | Apply Now
www.wholesalecreditcard.com
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Increase your payments options with Wells Fargo Merchant Services. Apply online today.
www.WellsFargo.com/biz
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Provides merchant accounts to accept credit cards, all business types accepted. Includes retail terminals, software, and Internet options.
www.merchant-accounts.com
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Free Internet Merchant Account. Free AuthorizeNet payment gateway. 2.14% internet discount rate. Easy application, fast approval. US merchants only.
www.takecardstoday.com
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Guide to lower processing expenses by eliminating non-qualified surcharges. Instant custom MasterCard, Visa & Discover Interchange quotes by industry.
About Interchange | Commentary | Merchant Blog | Start Quote
MerchantRates.com/resources
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Free Terminal. No Application Fee. Free Trial Call Now 1-866-694-5111
www.NorthAmericanBancard.com
24-Hr Qualify, 99.9% Approval Rate! Low Rates, Easy Setup (800)956-1277
Global-Payment-Services.com
Get a free terminal and set-up from ChasePaymentech.Call 866 660-4610
www.ChasePaymentech.com
No monthly minimums, setup fees, or re-occurring fees; phone approval process; 48-hour setup typically.
www.0downmerchantservices.com
Internet services allow merchants to process secure online, real-time credit card transactions.
www.1-merchant-accounts.com
Merchant accounts setup to accept credit cards and free Shoppingcart.
www.1stamericancardservice.com
Specialize in Internet, mail order, telephone order, and high risk businesses both new and existing.
www.advancedmerchant.com
Provides ecommerce solutions for Businesses seeking to accept credit card orders over the Internet: merchant account, secure site connection, shopping cart, instead credit card processing.
www.alphacommerce.com
Real-time processing merchant accounts for online, home-based, mail/phone order, and startups.
beseen.net
Get free merchant account setup and 24/7 support for credit card processing. Application is fast and easy. Guaranteed low rates & fees.
www.cardservicesales.com
Providing secure real-time credit card processing for internet-based businesses.
www.ccslide.com
Enables companies to accept credit cards online; home-based, and Internet-based businesses welcome.
www.charge.com
Information on credit cards, credit card applications, and card issuers. List of credit card offers; hosts bulletin board.
www.creditnet.com
Credit card and check processing; merchant account services.
www.epochsystems.com
Shopping cart software; merchant account offering real-time credit card processing; online auction sales.
www.impulsesoftware.com
Web, wireless, and voice solutions for cardmember relationship management, personalized marketing, and bill payment.
www.incurrent.com
Simple merchant account solution, or a complete online e-store; accept credit cards and checks directly from your website or personal computer.
www.merchant-accounts.com
Provides merchant accounts to accept credit cards, all business types accepted. Includes retail terminals, software, and Internet options.
www.merchant-accounts.com
Offers credit card merchant accounts for all types of business including mail order, phone order, home based, travel related, Internet and adult Sites, regardless of volume.
www.merchantaccount.com
Specializes in providing credit card merchant accounts, credit card processing and ecommerce solutions for all types of businesses: Internet and home-based.
www.merchantexpress.com
Guide to lower processing expenses by eliminating non-qualified surcharges. Instant custom MasterCard, Visa & Discover Interchange quotes by industry.
MerchantRates.com/resources
Guaranteed low cost for Online Merchant Accounts. 40,000 Merchants can't be wrong!
www.MerchantWarehouse.com
Allows any Website to start taking payments online with credit and debit cards.
www.netbanx.com
Provides a wide range of business transaction processing, from point-of-sale credit card processing to ecommerce solutions.
www.npc.net
Markets merchant accounts to businesses and is a value added reseller of gateway services to ecommerce companies, enabling the merchant to receive secure payment online via credit cards and checks.
www.online-merchant-accounts.com
Specializes in providing merchant accounts for ecommerce and physical store fronts.
www.onlinemerchantscorp.com
Access to innovative risk management, fraud control and chargeback reduction techniques. Extensive experience with internet start-up
www.paymentmall.com
Process online credit card payments - even if you don't have a website! We securely host the webform and all data for reporting. Low Rates.
www.paysimple.com
Compare Online Merchant Account Providers. Credit Card Processors Compete for You with 1 Easy Form. Save Time & Money Today!
www.ProposalPortal.com/MerchantAccounts
Credit card processing, merchant card and online check guarantee and authorization.
retrieveronline.com
Free Internet Merchant Account. Free AuthorizeNet payment gateway. 2.14% internet discount rate. Easy application, fast approval. US merchants only.
www.takecardstoday.com
Increase your payments options with Wells Fargo Merchant Services. Apply online today.
www.WellsFargo.com/biz
Accept credit cards online for your eCommerce business with guaranteed lowest online rates and get a free shopping cart.
www.wholesalecreditcard.com
Application Is Fast, Free & Easy. Guaranteed Low Rates And Fees.
www.cardservicesales.com
Credit Card Processing Made Easy Free Setup, Same Day Approvals
www.Charge.com
Guide to Setting up a Merchant Account
Having a credit card merchant account is critical to growing a small business
- Decide what payment forms to accept with your merchant account. You can take only credit cards, or other non-cash payments such as debit cards, electronic checks, gift cards, stored value cards and smart cards.
- Apply for a merchant account service that will be used to process payments and deposit the funds you collect in your regular bank account. A merchant account is often approved in 48 hours or less. Home business merchant account options are also available.
- Choose the merchant services account technology you need. You can select anything from hardwired terminals, to PCs, to online merchant account services and wireless handheld devices to help accept credit card payments.
Action Steps
The best contacts and resources to help you get it done
Get System Savvy
Fuzzy about how merchant account credit card processing works? Want to know how to apply for merchant account services and a merchant bank account? Let the big three show you.
I recommend:
Visa, MasterCard and American Express all have super helpful small biz sites to walk you through the basics of accepting credit cards and can help with setting up a merchant account for your retail business, restaurant, website or just about any type of business you may operate.
Compare Rates and Options
BuyerZone is good for comparison shopping/price quotes on credit card processing services, including merchant account providers that can offer you an international merchant account, high risk merchant account, mastercard or visa merchant account.
I recommend:
Request a quote at BuyerZone.com and learn more about how to accept credit cards at your business. This is a good place to compare fees and look for a low cost merchant account
Small Volume? Get This Quick Solution from QuickBooks
QuickBooks has a brand new off-the-shelf credit card processing solution that simplifies the merchant account set up process at a low cost.
I recommend:
Buy the QuickBooks Credit Card Processing Kit at Office Depot or details here.
Go Mobile
Accept credit card and debit card payments anywhere, anytime with handheld wireless technology for your merchant account.
I recommend:
Cardservice International, and Authorize.net, both industry leaders in offering merchant account services, have complete wireless solutions.
Put PayPal Power in Your Corner
PayPal offers a full range of low-cost payment solutions great for online businesses, including 'Virtual Terminal' service that lets you accept credit card payments online.
I recommend:
Signup and info at PayPal.
Tap Association Member Discount Deals
Many industry, professional or other small business associations offer credit card payment solutions and merchant account processing as a member benefit.
I recommend:
The National Federation of Independent Business (NFIB) has negotiated discount merchant account services with Solveras Payment Systems; the National Association for the Self-Employed (NASE) offers a merchant account deal through National Processing Co. (NPC).
Apply for a Merchant Account at Your Bank
Major banks serving small business offer credit card processing services of all kinds, including online business merchant accounts.
I recommend:
The small business divisions at Bank of America and Wells Fargo are two top choices.
Add Electronic Gift & Loyalty Features
Scrap those paper gift certificates and customer loyalty punch cards and let your credit card processor boost business with electronic gift cards and customer loyalty rewards.
I recommend:
Solveras Payment Systems offers an electronic gift and loyalty program customized to your business.
Tips & Tactics
Helpful advice for making the most of this Guide- At $39.95, the QuickBooks kit is an excellent value for a small biz with under $5k in monthly card transactions.
- Card fraud is growing. Ask merchant account vendors what fraud protection services they offer.
- Merchant account providers consider web-only and telemarketing businesses 'high risk.' You may need to put up a deposit or pay higher fees to begin.
- Fees and charges vary greatly. Possibles include discount rate (% of each sale), flat per-transaction fee, equipment rental, monthly minimum and chargebacks.
- For online sales, decide if you need real-time processing or can use lower-cost 'batching' where you collect card info and process by hand offline.
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