Top Vendors for Merchant Accounts

Small business merchant account providers and financial institutions that help merchants set up bank accounts for credit card processing. Find credit card merchant account providers offering merchant account solutions.
Credit Card Processing Lowest Rates & Best Service

#1 Rated Credit Card Processor. Free Credit Card Machines, Mobile Readers, & Internet Payment Gateway. A+ BBB Rating. Guaranteed Savings or we'll Pay you $500.

www.leadersmerchantservices.com

Credit Card Processing Lowest Rates & Best ServiceVisit www.leadersmerchantservices.com
Save Money on your Payment Processing!

Start processing your payments with a reliable, secure company. Receive $100 signing bonus just for selecting us.* Start saving today!

www.tsysmerchantsolutions.com

Save Money on your Payment Processing!Visit www.tsysmerchantsolutions.com
Credit Card Processing Made Easy

No Contracts, No Cancellation Fees. Take advantage of our Lowest Cost Guarantee today. A+ BBB Rating. Apply Today!

www.MerchantWarehouse.com

Credit Card Processing Made EasyVisit www.MerchantWarehouse.com
Online Merchant Accounts

Vendors of online merchant accounts and providers of secure online payment processing for online businesses. Research internet merchant account companies offering online check proc… more »

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CheapestMerchantAccounts.com

Find the right credit card processing company for your business needs with the advice and reviews available from Cheapest Merchant Accounts.

http://cheapestmerchantaccounts.com/
High Risk Merchant Account

Providing high risk merchant accounts to high risk business types. Fast approval, apply online.

http://www.high-riskmerchantaccount.com

Merchant Accounts


For most small businesses today, the ability to accept a full range of non-cash payments is essential to success. The choices include credit cards, debit cards, electronic checks, stored value cards, gift cards, smart cards and PayPal transfers.

In order to accept those forms of payment you'll need to set up some type of "merchant account" with a bank, credit card processing service or other vendor. Once you are approved for the merchant account (through a merchant account services department) and have set up the necessary hardware (card swipe terminal and receipt printer), software or online service, you'll be ready to begin accepting electronic payments via your mechant account.

The advantages of merchant asccounts -- and thus the ability to accept "plastic" payments -- are huge. Whether you sell to consumers or business-to-business (B-to-B), customers are more comfortable paying for goods and services by non-cash means. And for Web-based sales, credit card, PayPal and electronic check payments are a must.

But merchant account providers do consider online and telemarketing businesses to be a higher risk for credit card fraud. Startups that fall in those categories are often scrutinized more closely, and may pay higher fees to begin with and be asked for a deposit. Once your business establishes a track record, however, you can often request the deposit back and negotiate lower fees.

Get more free business tips at BizBest. 

New Low Cost Solution

QuickBooks, which already makes the most popular small business bookkeeping software, recently introduced an off-the-shelf credit card processing solution that works on your desktop PC. It's called the QuickBooks Credit Card Processing Kit, sells for $39.95 at major office supply and software outlets, and offers a quick, low-cost solution for startups.

More Choices from PayPal

PayPal, which started as a simple system for online businesses to accept payments, has blossomed into a full line of electronic payment solutions for small business. Customers can pay by credit card, debit card, bank account or their special PayPal account.

Get set up for a merchant account quickly

Some firms specialize in getting small businesses up and running quickly to accept credit card payments, sometimes with free setup.

Look for low rates, no fees and free equipment

Credit card payment processing is a highly competitive field for both retailers and online merchants. Remember that savings don't only come as a lower rate, but in cost reductions from having your system set up properly, your charge-backs reduced, dependable equipment, and your funding on time.

Comparison shop for credit card processing services

A great place to shop and compare services is BuyerZone.
Resource Nation, complete a short request form and receive free rate quotes and information on merchant accounts and credit card processing.

Make your merchant account mobile

Handheld wireless technology lets you accept credit card payments anywhere.

Line up a trade group discount

Some small business associations, business membership organizations and other industry trade groups offer discounted merchant account solutions as a member benefit.
  • Credit card fraud is growing. Ask the merchant account vendors you are considering what fraud protection services they offer.
  • Merchant account fees and charges vary greatly. Your costs include the discount rate (% of each sale you pay to the service provider), flat per-transaction fee, equipment rental, monthly minimum and "chargebacks" for customer returns, disputes or cancellations.
  • 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.