Why You Might Need an Offshore Merchant Account
By Sara K
Whether you are in need of setting up your business elsewhere, moving your assets offshore, require secure credit card processing online or are seeking ways to improve your new business – Offshore Merchant Account is the answer to all your queries!
With the credit card business on the boom, for retail business owners, owning a merchant account that provides credit card processing online along with secure payment processing is, although important but difficult to get. But having a merchant account that offers secure payment processing options is a huge advantage as, with the interest rates dropped, both customers and merchants alike can benefit from it.
Benefits an Offshore Merchant Account offers
Most banks, credit card processors and third party account processors refuse to accept small business/retail merchants if the business has not been operating for at least 2 years. Not only that but some companies even tend to hold security deposits and payments at times for additional security purposes and in order to avoid faulty transactions with their merchant accounts. That is why a credit card processor or a merchant account provider who understands your business needs is essential for success.
Merchant accounts with offshore credit card processing is also a lot more beneficial and the service tends to be a lot better than the one provided by your local bank as you are placed in a comparatively favorable jurisdiction and there are almost no tax problems and currency fluctuations. It helps customers in not only making online purchases easily but merchants are also able to accept payments in multiple currencies.
With offshore merchant accounts, merchants can process credit/debit card transactions, get automated billing advantage, use a secure payment gateway and virtual terminal and also gain fast approval for applications.
The trend for a high processing fee that some processors and banks used to charge for opening an offshore merchant account is now declining fast due to severe competition. With an offshore merchant account you get a legal way of not only getting the real advantages of reduced taxes and additional payment processing options but you also get a genuine way to move your business proceeds offshore. This way the business owners are able to make most of their earnings and profits and enjoy the favorable conditions.
At http://www.instabill.com we understand the importance of your business and that is why we offer our Offshore Merchant Account customers with the best possible benefits and a 24/7 customer support service.
Article Source: http://EzineArticles.com/?expert=Sara_K
http://EzineArticles.com/?Why-You-Might-Need-an-Offshore-Merchant-Account&id=390846
Offshore merchant accounts have helped merchants worldwide gain an easier access to their revenues and has provided benefits to many for improving their business.
Monday, May 14, 2007
Saturday, May 12, 2007
Internet Merchant Account
Gambling Merchant Accounts – 10 Points to Ponder
By Jessica Gables
Choosing a gambling merchant account, much like choosing any other merchant account or online payment gateway, requires a good deal of thought and consideration, as the main purpose of an Internet payment gateway is to ensure the safe and secure transaction of funds between an online service provider and a client.
There are a multitude of merchant accounts to be found on the Internet today, with some of them choosing to handle transactions for specific online businesses, while others choose to handle all forms of online businesses that require a payment gateway. Certain forms of businesses have been classified as “high risk”, primarily because of some aspect of the business.
A high risk merchant account is usually defined by factors such as type of industry, credit history, processing history, average ticket, monthly processing volume, and location of business.
Businesses that are considered high risk include adult content, pharmaceuticals, gambling, magazine subscriptions, streaming or downloadable content, dating services, travel and travel related services.
Here are some pointers to consider when looking for a viable gambling merchant account provider:
1. Make sure to do a market research. Talk to someone who has spent years in the business, you can learn a lot of important things from them.
2. Be sure to check the big numbers, cancellation fees, and most importantly, the hidden fees up front. A merchant account provider who really wants to do business with you will at least try to work with you to adapt to your capabilities.
3. Be sure to compare the different discount rates offered by the various payment processors. There will always be a merchant account provider offering good services online with a much better rate than others.
4. Be careful about advertisements that can be misleading or appear suspicious. If they lie on their ads then most likely they will do the same to you.
5. Verify the integrity of the company. Do a background check and see if the company is known for good business practices and if they have transacted with companies like yours.
6. Do not make a habit of signing a contract too hastily. Read the application carefully because some contracts carry a non-cancellation clause or penalty. If a company will not leave an application with you overnight, they are probably trying to use "high pressure" tactics so that you don't have time to really know what you are signing.
7. Find out what people are saying about the merchant account provider and see which provider has the best reputation. Oftentimes the best form of marketing is by word of mouth, as these connote first hand experience and not just hearsay.
8. In choosing a credit card payment processor, check out the fees and services. Compare which one will work best for your business.
9. Check out how and when will you get the payment. Some merchant account providers have a minimum amount before they send you the payment. Others may charge you with wire transfer fees.
10. Avoid companies with high monthly fees. These providers will drain you of your resources. Many of these companies rely on those monthly fees to compensate their marketing and sales efforts.
Jess Gables is a traveling journalist and author of numerous articles published in travel and hotel service sites, television programs and print materials. She is also a large contributor of articles to various online resource cites, garnering the reputation of being a trusted author on various topics. Gables is a content producer for various resource websites, and she has a background in photography, videography, pre and post production and online affiliate marketing.
Article Source: http://EzineArticles.com/?expert=Jessica_Gables
http://EzineArticles.com/?Gambling-Merchant-Accounts---10-Points-to-Ponder&id=473606
By Jessica Gables
Choosing a gambling merchant account, much like choosing any other merchant account or online payment gateway, requires a good deal of thought and consideration, as the main purpose of an Internet payment gateway is to ensure the safe and secure transaction of funds between an online service provider and a client.
There are a multitude of merchant accounts to be found on the Internet today, with some of them choosing to handle transactions for specific online businesses, while others choose to handle all forms of online businesses that require a payment gateway. Certain forms of businesses have been classified as “high risk”, primarily because of some aspect of the business.
A high risk merchant account is usually defined by factors such as type of industry, credit history, processing history, average ticket, monthly processing volume, and location of business.
Businesses that are considered high risk include adult content, pharmaceuticals, gambling, magazine subscriptions, streaming or downloadable content, dating services, travel and travel related services.
Here are some pointers to consider when looking for a viable gambling merchant account provider:
1. Make sure to do a market research. Talk to someone who has spent years in the business, you can learn a lot of important things from them.
2. Be sure to check the big numbers, cancellation fees, and most importantly, the hidden fees up front. A merchant account provider who really wants to do business with you will at least try to work with you to adapt to your capabilities.
3. Be sure to compare the different discount rates offered by the various payment processors. There will always be a merchant account provider offering good services online with a much better rate than others.
4. Be careful about advertisements that can be misleading or appear suspicious. If they lie on their ads then most likely they will do the same to you.
5. Verify the integrity of the company. Do a background check and see if the company is known for good business practices and if they have transacted with companies like yours.
6. Do not make a habit of signing a contract too hastily. Read the application carefully because some contracts carry a non-cancellation clause or penalty. If a company will not leave an application with you overnight, they are probably trying to use "high pressure" tactics so that you don't have time to really know what you are signing.
7. Find out what people are saying about the merchant account provider and see which provider has the best reputation. Oftentimes the best form of marketing is by word of mouth, as these connote first hand experience and not just hearsay.
8. In choosing a credit card payment processor, check out the fees and services. Compare which one will work best for your business.
9. Check out how and when will you get the payment. Some merchant account providers have a minimum amount before they send you the payment. Others may charge you with wire transfer fees.
10. Avoid companies with high monthly fees. These providers will drain you of your resources. Many of these companies rely on those monthly fees to compensate their marketing and sales efforts.
Jess Gables is a traveling journalist and author of numerous articles published in travel and hotel service sites, television programs and print materials. She is also a large contributor of articles to various online resource cites, garnering the reputation of being a trusted author on various topics. Gables is a content producer for various resource websites, and she has a background in photography, videography, pre and post production and online affiliate marketing.
Article Source: http://EzineArticles.com/?expert=Jessica_Gables
http://EzineArticles.com/?Gambling-Merchant-Accounts---10-Points-to-Ponder&id=473606
Friday, May 11, 2007
Internet Merchant Account
Ecommerce Internet Merchant Accounts
By Seth Miller
For Internet-based businesses there is always a need to find an appropriate e-commerce solution. This itself can be a challenging task. The ideal e-commerce solution should facilitate online purchases and payments through credit cards.
The process should be automated, safe and secure, because the credit card information stands chances of being misused by someone who is not authorized to use it.
There are a number of e-commerce solutions available which enable online payments through credit cards. One of them is the Internet merchant account. This account can be opened online within a few minutes. Payments made through credit cards after online shopping get transferred to your Internet merchant account within minutes of the completion of the transaction. However, sometime it may take a bit longer.
While opting for an e-commerce solution through online merchant account, several things have to be kept in mind, such as technical support, security, fees charged for maintaining your account, and commissions on various transactions.
If there is a problem opening a merchant account on the Internet, one can opt for a third-party processing company. This is an Internet merchant account which the company operates on your behalf. The payments made through credit cards for your products or services are transferred to your offline merchant account. There may small fees for opening such accounts, and later a commission is charged on transactions.
Various market surveys have indicated that accepting online payments through credit cards helps increase sales. This clearly implies that if you haven’t got an e-commerce solution for your business, you’d better start looking for one. You can start an Internet merchant account by filling out a simple online form and spending around 100 dollars or so.
Internet Merchant Accounts provides detailed information on Internet Merchant Accounts, Free Internet Merchant Accounts, Ecommerce Internet Merchant Accounts, Internet Merchant Credit Card Accounts and more. Internet Merchant Accounts is affiliated with International Ecommerce Merchant Accounts.
Article Source: http://EzineArticles.com/?expert=Seth_Miller
http://EzineArticles.com/?Ecommerce-Internet-Merchant-Accounts&id=252997
By Seth Miller
For Internet-based businesses there is always a need to find an appropriate e-commerce solution. This itself can be a challenging task. The ideal e-commerce solution should facilitate online purchases and payments through credit cards.
The process should be automated, safe and secure, because the credit card information stands chances of being misused by someone who is not authorized to use it.
There are a number of e-commerce solutions available which enable online payments through credit cards. One of them is the Internet merchant account. This account can be opened online within a few minutes. Payments made through credit cards after online shopping get transferred to your Internet merchant account within minutes of the completion of the transaction. However, sometime it may take a bit longer.
While opting for an e-commerce solution through online merchant account, several things have to be kept in mind, such as technical support, security, fees charged for maintaining your account, and commissions on various transactions.
If there is a problem opening a merchant account on the Internet, one can opt for a third-party processing company. This is an Internet merchant account which the company operates on your behalf. The payments made through credit cards for your products or services are transferred to your offline merchant account. There may small fees for opening such accounts, and later a commission is charged on transactions.
Various market surveys have indicated that accepting online payments through credit cards helps increase sales. This clearly implies that if you haven’t got an e-commerce solution for your business, you’d better start looking for one. You can start an Internet merchant account by filling out a simple online form and spending around 100 dollars or so.
Internet Merchant Accounts provides detailed information on Internet Merchant Accounts, Free Internet Merchant Accounts, Ecommerce Internet Merchant Accounts, Internet Merchant Credit Card Accounts and more. Internet Merchant Accounts is affiliated with International Ecommerce Merchant Accounts.
Article Source: http://EzineArticles.com/?expert=Seth_Miller
http://EzineArticles.com/?Ecommerce-Internet-Merchant-Accounts&id=252997
Thursday, May 10, 2007
Internet Merchant Account
Internet Merchant Account Provider
By Alison Cole
An Internet merchant account is an account with a bank or a financial institution that allows a businessman to accept credit card payments from his clients via the Internet. The payment gateway essentially transmits the required data to the Internet merchant account provider. Most local banks, however, do not offer Internet merchant account capability.
There are reasons why local banks or financial institutions do not want to give online merchant accounts. One is because transactions through the Internet are completely unlike face-to-face transactions, where a signature from the customer is required to approve the purchase. Thus, online truncations are deemed susceptible to credit card fraud. When choosing an Internet merchant account provider, fraud protection should be one of your major considerations.
So, how much will it cost? Comprehending the costs of your merchant provider can be complicated. Characteristically, an Internet merchant account will have certain costs.
Many Internet merchant accounts require a fee for application. This fee, purportedly, is to cover their expenses for processing the application. In the case that you eventually do not open an Internet merchant account, they will still ask for the initial payment. Many providers waive these up front application fees, and it is recommended that one chooses a provider that does not require up front application fees.
Almost all Internet merchant providers need a “statement fee"" (as the monthly fee is commonly named); this is simply a different way to cover costs and make some money. It is difficult to find providers who do not ask for this type of payment.
Then there is the discount rate, which is usually between 2 to 4 percent. The discount rate is actually the sales commission that the provider earns on every sale. For instance, if the discount rate is 3% and you get a sale over your web site for $10, you will owe 30 cents to the Internet merchant provider.
The fixed transaction fee is somewhere between $0.20 and $0.30. It is the fixed fee portion of every sale. The fixed transaction fee, unlike the discount fee, is the same for every transaction. Whether you get a $10 sale or a $50 sale, the transaction fee will not change.
Also, there is the termination fee that can apply if you cancel your account within a particular period of time (generally a year). There are some merchant providers who require a three-year commitment from your side.
If a customer requests for a refund, an Internet merchant provider can charge you a separate fee (somewhere around $20).
Merchant Account Providers provides detailed information on Merchant Account Providers, Internet Merchant Account Provider, Merchant Account Service Providers, Become a Merchant Account Provider and more. Merchant Account Providers is affiliated with Free Webcam Chat.
Article Source: http://EzineArticles.com/?expert=Alison_Cole
http://EzineArticles.com/?Internet-Merchant-Account-Provider&id=273024
By Alison Cole
An Internet merchant account is an account with a bank or a financial institution that allows a businessman to accept credit card payments from his clients via the Internet. The payment gateway essentially transmits the required data to the Internet merchant account provider. Most local banks, however, do not offer Internet merchant account capability.
There are reasons why local banks or financial institutions do not want to give online merchant accounts. One is because transactions through the Internet are completely unlike face-to-face transactions, where a signature from the customer is required to approve the purchase. Thus, online truncations are deemed susceptible to credit card fraud. When choosing an Internet merchant account provider, fraud protection should be one of your major considerations.
So, how much will it cost? Comprehending the costs of your merchant provider can be complicated. Characteristically, an Internet merchant account will have certain costs.
Many Internet merchant accounts require a fee for application. This fee, purportedly, is to cover their expenses for processing the application. In the case that you eventually do not open an Internet merchant account, they will still ask for the initial payment. Many providers waive these up front application fees, and it is recommended that one chooses a provider that does not require up front application fees.
Almost all Internet merchant providers need a “statement fee"" (as the monthly fee is commonly named); this is simply a different way to cover costs and make some money. It is difficult to find providers who do not ask for this type of payment.
Then there is the discount rate, which is usually between 2 to 4 percent. The discount rate is actually the sales commission that the provider earns on every sale. For instance, if the discount rate is 3% and you get a sale over your web site for $10, you will owe 30 cents to the Internet merchant provider.
The fixed transaction fee is somewhere between $0.20 and $0.30. It is the fixed fee portion of every sale. The fixed transaction fee, unlike the discount fee, is the same for every transaction. Whether you get a $10 sale or a $50 sale, the transaction fee will not change.
Also, there is the termination fee that can apply if you cancel your account within a particular period of time (generally a year). There are some merchant providers who require a three-year commitment from your side.
If a customer requests for a refund, an Internet merchant provider can charge you a separate fee (somewhere around $20).
Merchant Account Providers provides detailed information on Merchant Account Providers, Internet Merchant Account Provider, Merchant Account Service Providers, Become a Merchant Account Provider and more. Merchant Account Providers is affiliated with Free Webcam Chat.
Article Source: http://EzineArticles.com/?expert=Alison_Cole
http://EzineArticles.com/?Internet-Merchant-Account-Provider&id=273024
Wednesday, May 9, 2007
Internet Merchant Account
Merchant Account Basics
16th August 2006
Author: Steve Depraida
A Merchant account is an account at a bank or financial institution that permits you to accept credit card payments. You can acquire a merchant account from a merchant account provider or your bank.
A merchant account helps in boosting your business as when your account can accept credit cards you get instant payments. The whole process of receiving a payment is simplified and speedy, as it takes a lot less time then the conventional method of receiving payments. The whole processing time of credit card payment through the credit card machine or online account is lot shorter than the conventional methods.
If you increase the number of payment options for your customer it helps your business to grow. In case you are an online businessman this option provides the customer ease as well as flexibility of shopping, which in the long run converts into repeat purchases. Today majority of customers prefer credit card payment therefore it makes prudent business sense to opt for merchant account or merchant accounts.
Before establishing a merchant account it is necessary to check the credentials of the merchant account or merchant services Provider Company that is trustworthy and provides secure services. For online businesses real time processing is the best solution as the charge from the client's card is processed swiftly when the client places the order. The client or customer gets an email stating that the order has been processed and the money transfer is approved by the credit card company.
The credit card companies charge different fees for the credit card processing. The companies may charge an application fee, a monthly statement fee, an annual fee, a discount fee etc. The credit card company charges a transaction or the processing fee for each transaction that takes place. As different merchant account services charge different fees it is advisable that a thorough study is made before deciding which credit card processing company you choose. Make a monthly estimate of the current sales figure and project expenses.
Merchant accounts, is one of the largest merchant account processor in USA. It provides one of the best credit card processing solutions and efficient round the clock service. The main distinguishing features are a 90 day price match offer, same day approval for merchant account, instant online applications, no early cancellation fees, good quality credit card machines and terminal solutions.
Visit the site if you want to avail the merchant account services from http://www.merchant-accounts.com, one of the best credit card processing companies in USA.
This article is free for republishing
Source: http://www.a1articles.com/article_81901_19.html
16th August 2006
Author: Steve Depraida
A Merchant account is an account at a bank or financial institution that permits you to accept credit card payments. You can acquire a merchant account from a merchant account provider or your bank.
A merchant account helps in boosting your business as when your account can accept credit cards you get instant payments. The whole process of receiving a payment is simplified and speedy, as it takes a lot less time then the conventional method of receiving payments. The whole processing time of credit card payment through the credit card machine or online account is lot shorter than the conventional methods.
If you increase the number of payment options for your customer it helps your business to grow. In case you are an online businessman this option provides the customer ease as well as flexibility of shopping, which in the long run converts into repeat purchases. Today majority of customers prefer credit card payment therefore it makes prudent business sense to opt for merchant account or merchant accounts.
Before establishing a merchant account it is necessary to check the credentials of the merchant account or merchant services Provider Company that is trustworthy and provides secure services. For online businesses real time processing is the best solution as the charge from the client's card is processed swiftly when the client places the order. The client or customer gets an email stating that the order has been processed and the money transfer is approved by the credit card company.
The credit card companies charge different fees for the credit card processing. The companies may charge an application fee, a monthly statement fee, an annual fee, a discount fee etc. The credit card company charges a transaction or the processing fee for each transaction that takes place. As different merchant account services charge different fees it is advisable that a thorough study is made before deciding which credit card processing company you choose. Make a monthly estimate of the current sales figure and project expenses.
Merchant accounts, is one of the largest merchant account processor in USA. It provides one of the best credit card processing solutions and efficient round the clock service. The main distinguishing features are a 90 day price match offer, same day approval for merchant account, instant online applications, no early cancellation fees, good quality credit card machines and terminal solutions.
Visit the site if you want to avail the merchant account services from http://www.merchant-accounts.com, one of the best credit card processing companies in USA.
This article is free for republishing
Source: http://www.a1articles.com/article_81901_19.html
Tuesday, May 8, 2007
Internet Merchant Account
New Merchant Account by Jack Chevalier
Easy Application for New Merchant Account A new merchant account is easy to apply for, especially if you go online. Prerequisites include being 18 years of age, having a legal business based in the United States, and having a legal checking account in this country. Some occupations and businesses are considered high-risk, and a separate application is necessary for these endeavors. A few of these are collection agencies, credit repair services, telemarketing, and investment opportunities. A regular business merchant account, however, requires some details about your business and yourself. Aside from the usual questions about name and address, you will need to know what percentage of your credit card business is online and what percentage is card-present (swiped). Automatic approval has easy guidelines--exceptions include merchants undergoing a bankruptcy that has not yet been discharged, and applications that have fraudulent entries.
Easy Merchant Account Setup A new merchant account can be up and running within one business day or within five-to-seven days, depending on which transmission methods you choose. As for how you get your funds, they are paid directly into your checking account in 24-48 hours. If you are the sole proprietor of your business or you are in a partnership, all owners' names must be on your checks, but a business account is not required. If your credit is less-than-perfect, you will still probably be eligible for a new merchant account, as electronic processing organizations deal with banks that provide services to all types of accounts. You do not need a dedicated phone line because electronic processing terminals have dual jacks to accommodate all necessary phones and peripherals. With 24-hour merchant support, any business owner can be assured of help and assistance when it is needed.
About the Author
None
Easy Application for New Merchant Account A new merchant account is easy to apply for, especially if you go online. Prerequisites include being 18 years of age, having a legal business based in the United States, and having a legal checking account in this country. Some occupations and businesses are considered high-risk, and a separate application is necessary for these endeavors. A few of these are collection agencies, credit repair services, telemarketing, and investment opportunities. A regular business merchant account, however, requires some details about your business and yourself. Aside from the usual questions about name and address, you will need to know what percentage of your credit card business is online and what percentage is card-present (swiped). Automatic approval has easy guidelines--exceptions include merchants undergoing a bankruptcy that has not yet been discharged, and applications that have fraudulent entries.
Easy Merchant Account Setup A new merchant account can be up and running within one business day or within five-to-seven days, depending on which transmission methods you choose. As for how you get your funds, they are paid directly into your checking account in 24-48 hours. If you are the sole proprietor of your business or you are in a partnership, all owners' names must be on your checks, but a business account is not required. If your credit is less-than-perfect, you will still probably be eligible for a new merchant account, as electronic processing organizations deal with banks that provide services to all types of accounts. You do not need a dedicated phone line because electronic processing terminals have dual jacks to accommodate all necessary phones and peripherals. With 24-hour merchant support, any business owner can be assured of help and assistance when it is needed.
About the Author
None
Friday, May 4, 2007
Internet Merchant Account
Contactless Payments Merchant Accounts by Pat A. McDavitt
= = = = = = = = = = = = = = = = == = = = = = = = = = = = = = You are welcome to publish this article free of charge provided: * You include the byline * Byline includes functioning links to: http://www.cashflownow.org/contactlesspaymentsmerchantaccount.htm, http://www.lowcost-totalmerchantservices.com/ * You don't change the article in any way * You provide a courtesy copy once published * You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only. In doing so you agree to indemnify C. J. & Tuck Consulting, LLC and its directors, officers, employees and agents from and against all losses, claims, damages and liabilities which arise out of its use * Article Title: Contactless Payments Merchant Accounts Author: Pat A. McDavitt Word Count: 1021 = = = = = = = = = = = = = =Article Start= = = = = = = = = = = = = =
Contactless Payments Merchant Accounts
Consumers don't like carrying cash but are wary of handing over a credit card because of the risk of credit card fraud.
But what's the alternative?
Contactless payments.
The next generation of electronic payment, contactless payments don't require the customer to hand over their card. The whole transaction is completed electronically, and their card never leaves their hand. It's faster, easier and much more secure.
But what about the merchant? Should cash-heavy merchants rush into setting up a contactless payments merchant account? The answer is a resounding yes! Contactless payments merchant accounts deliver even greater benefits to merchants than it does to consumers. Read on to find out how.
What is Contactless Payment?
Contactless payments merchant accounts are the third generation of electronic payments. (The first generation was the old plastic credit card, and the second was the magnetic stripe card.) Merchants with contactless payments merchant accounts enable customers to use their credit cards for purchases without ever handing their card over. Contactless payments merchant account transactions use one of the following methods: * Contactless readers; * Retailer cards/fobs; * NFC (near field communication) enabled cell phone payment software; or * Back end processing/over the air payment software.
Customers love it!
Research shows that 86% of consumers want to carry less cash, and most carry less than $20. (Survey was conducted in 2005 by lpsos and commissioned by MasterCard). They're growing more comfortable using credit, but they're still quite worried about security issues when handing over their card. In fact, 91% of likely users would feel more secure if they were allowed to hold their payment card through their entire payment process.
And then there's ease of use, speed and convenience. Nationwide, almost 75% of respondents refuse to wait in line longer than five minutes for a purchase of less than $25, and more than 25% refuse to wait longer than just two minutes.
So how does contactless payment compare in terms of speed? Very well, in fact... It takes only 1/3 to ½ of the time of the average cash or traditional credit card transaction:
* CVS Pharmacy Average Cash Transaction = 33.7 seconds * Average Card Transaction (w/o Signature = 26.7 seconds * Average RF Transaction = 12.5 seconds So contactless payments increase customers' sense of security and decrease hated wait-times. It's no surprise, then, that customers love it!
And the growth rate of contactless payments merchant accounts shows it. According to Brian Triplett, senior vice president for emerging product development-Visa USA, "The adoption rate is the fastest we've seen for any new technology. I do expect we will continue to see significant growth; whether it's double or triple we'll have to wait and see."
What are the Benefits for Merchants?
The most obvious benefit for merchants in having contactless payments merchant accounts is that consumers love it, so they'll use it more often and spend more.
But the benefits don't end there. Contactless payments merchant accounts also:
* Leverage 'Top of Wallet' convenience - Like traditional credit cards (and unlike cash), the customer's card is always in their wallet, which means they're more likely to spend, simply because they can. * Deliver increased merchant differentiation - Particularly in the early days of adoption, merchants with contactless payments merchant accounts will 'stand out from the crowd.' They'll offer consumers a new and exciting way to pay for goods and services. * Are cheaper to operate - Transactions clear as a card-present, magnetic stripe-read transaction, but card readers are a fraction of the cost of a new POS terminal. * Increase efficiency - Businesses with contactless payments merchant accounts enjoy much more rapid check-out times during peak hours. * Are easy to install and upgrade - The hardware for contactless payments merchant accounts is all plug-n-play. * Increase customer loyalty - Studies show that customers return to the participating merchant's location on an average of two times a month. * Leverage a general consumer movement away from cash (20%) - Even customers who don't specifically love contactless payment probably DO specifically dislike cash. By offering them an alternative, businesses increase the likelihood of a sale.
Put simply, businesses with contactless payments merchant accounts enjoy increased transaction volume (average 45%) and increased ticket size (average 20%).
What Merchants Benefit Most from Contactless Payments Merchant Accounts?
Contactless payments merchant accounts are ideal for cash-heavy merchants. Target industries include: * QSR * Petroleum & C-store * Book Stores * Dry Cleaners * Video Rental * Pharmacy * Grocery * Parking * Movie Theaters * Stadiums & Arenas * Theme Parks * Events * Cafeterias (Schools & Corporate) * Taxis * Transit * Vending * News Stands * Parking Garages
Conclusion - The Future of Contactless Payments Merchant Accounts?
Contactless payment offers significant bottom-line benefits to merchants. It's the next generation payment system that's faster, easier, more secure and more convenient for consumers, which means it facilitates more sales (greater volume transaction) of greater value (ticket lift) for merchants. It's a win-win situation! = = = = = = = = = = = = = =Article End= = = = = = = = = = = = = =
About the Author
C. J. & Tuck Consulting, LLC owns and operates http://www.cashflownow.org. We specialize in Electronic Payment Processing Services and offer low cost Contactless Payments Merchant Accounts. For more information, contact: Pat A. McDavitt, Sole Manager of C. J. & Tuck Consulting, LLC Go to: http://www.cashflownow.org to visit my web site. Go to: http://www.cashflownow.org to request a free report about me.
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= = = = = = = = = = = = = = = = == = = = = = = = = = = = = = You are welcome to publish this article free of charge provided: * You include the byline * Byline includes functioning links to: http://www.cashflownow.org/contactlesspaymentsmerchantaccount.htm, http://www.lowcost-totalmerchantservices.com/ * You don't change the article in any way * You provide a courtesy copy once published * You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only. In doing so you agree to indemnify C. J. & Tuck Consulting, LLC and its directors, officers, employees and agents from and against all losses, claims, damages and liabilities which arise out of its use * Article Title: Contactless Payments Merchant Accounts Author: Pat A. McDavitt Word Count: 1021 = = = = = = = = = = = = = =Article Start= = = = = = = = = = = = = =
Contactless Payments Merchant Accounts
Consumers don't like carrying cash but are wary of handing over a credit card because of the risk of credit card fraud.
But what's the alternative?
Contactless payments.
The next generation of electronic payment, contactless payments don't require the customer to hand over their card. The whole transaction is completed electronically, and their card never leaves their hand. It's faster, easier and much more secure.
But what about the merchant? Should cash-heavy merchants rush into setting up a contactless payments merchant account? The answer is a resounding yes! Contactless payments merchant accounts deliver even greater benefits to merchants than it does to consumers. Read on to find out how.
What is Contactless Payment?
Contactless payments merchant accounts are the third generation of electronic payments. (The first generation was the old plastic credit card, and the second was the magnetic stripe card.) Merchants with contactless payments merchant accounts enable customers to use their credit cards for purchases without ever handing their card over. Contactless payments merchant account transactions use one of the following methods: * Contactless readers; * Retailer cards/fobs; * NFC (near field communication) enabled cell phone payment software; or * Back end processing/over the air payment software.
Customers love it!
Research shows that 86% of consumers want to carry less cash, and most carry less than $20. (Survey was conducted in 2005 by lpsos and commissioned by MasterCard). They're growing more comfortable using credit, but they're still quite worried about security issues when handing over their card. In fact, 91% of likely users would feel more secure if they were allowed to hold their payment card through their entire payment process.
And then there's ease of use, speed and convenience. Nationwide, almost 75% of respondents refuse to wait in line longer than five minutes for a purchase of less than $25, and more than 25% refuse to wait longer than just two minutes.
So how does contactless payment compare in terms of speed? Very well, in fact... It takes only 1/3 to ½ of the time of the average cash or traditional credit card transaction:
* CVS Pharmacy Average Cash Transaction = 33.7 seconds * Average Card Transaction (w/o Signature = 26.7 seconds * Average RF Transaction = 12.5 seconds So contactless payments increase customers' sense of security and decrease hated wait-times. It's no surprise, then, that customers love it!
And the growth rate of contactless payments merchant accounts shows it. According to Brian Triplett, senior vice president for emerging product development-Visa USA, "The adoption rate is the fastest we've seen for any new technology. I do expect we will continue to see significant growth; whether it's double or triple we'll have to wait and see."
What are the Benefits for Merchants?
The most obvious benefit for merchants in having contactless payments merchant accounts is that consumers love it, so they'll use it more often and spend more.
But the benefits don't end there. Contactless payments merchant accounts also:
* Leverage 'Top of Wallet' convenience - Like traditional credit cards (and unlike cash), the customer's card is always in their wallet, which means they're more likely to spend, simply because they can. * Deliver increased merchant differentiation - Particularly in the early days of adoption, merchants with contactless payments merchant accounts will 'stand out from the crowd.' They'll offer consumers a new and exciting way to pay for goods and services. * Are cheaper to operate - Transactions clear as a card-present, magnetic stripe-read transaction, but card readers are a fraction of the cost of a new POS terminal. * Increase efficiency - Businesses with contactless payments merchant accounts enjoy much more rapid check-out times during peak hours. * Are easy to install and upgrade - The hardware for contactless payments merchant accounts is all plug-n-play. * Increase customer loyalty - Studies show that customers return to the participating merchant's location on an average of two times a month. * Leverage a general consumer movement away from cash (20%) - Even customers who don't specifically love contactless payment probably DO specifically dislike cash. By offering them an alternative, businesses increase the likelihood of a sale.
Put simply, businesses with contactless payments merchant accounts enjoy increased transaction volume (average 45%) and increased ticket size (average 20%).
What Merchants Benefit Most from Contactless Payments Merchant Accounts?
Contactless payments merchant accounts are ideal for cash-heavy merchants. Target industries include: * QSR * Petroleum & C-store * Book Stores * Dry Cleaners * Video Rental * Pharmacy * Grocery * Parking * Movie Theaters * Stadiums & Arenas * Theme Parks * Events * Cafeterias (Schools & Corporate) * Taxis * Transit * Vending * News Stands * Parking Garages
Conclusion - The Future of Contactless Payments Merchant Accounts?
Contactless payment offers significant bottom-line benefits to merchants. It's the next generation payment system that's faster, easier, more secure and more convenient for consumers, which means it facilitates more sales (greater volume transaction) of greater value (ticket lift) for merchants. It's a win-win situation! = = = = = = = = = = = = = =Article End= = = = = = = = = = = = = =
About the Author
C. J. & Tuck Consulting, LLC owns and operates http://www.cashflownow.org. We specialize in Electronic Payment Processing Services and offer low cost Contactless Payments Merchant Accounts. For more information, contact: Pat A. McDavitt, Sole Manager of C. J. & Tuck Consulting, LLC Go to: http://www.cashflownow.org to visit my web site. Go to: http://www.cashflownow.org to request a free report about me.
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Thursday, May 3, 2007
Internet Merchant Account
How to Receive Payments for Your Online Sales
By Nowshade Kabir
Once you decide which products you are planning to sell on the
Internet, and what type of web store you are going to use in
order to display your products, next vital decision that you have
to take is to figure out how your customers are going to pay you.
Whatever you plan to sell online, accepting credit card
transaction is a must! A full 90 percent of all online sales
occur through credit card payments.
There are two ways you can add e-commerce capabilities to your
website:
1. Having your own merchant account
2. Using third party processors
What is a merchant account?
A merchant account is a special kind of bank account where funds
received from credit card transactions are first routed to the
special account and held there before being remitted to your
business account. You as an online merchant will need an account
called “Card Not Present Merchant Account”.
Having the merchant account is, actually, the first step in
processing credit cards online. You will also need a payment
gateway. A payment gateway is a service provided by billing
processor which allows real time authorization of online
transactions. The payment gateway you choose to work with has to
be compatible with your shopping cart. Three top payment Gateway
providers are AuthorizeNet (http://www.authorizenet.com/),
Verisign (http://www.verisign.com/) and USAePay
(http://www.usaepay.com/). All payment gateway providers have
their own merchant solutions. Most banks, today, work with
partner payment gateway providers and are fully capable of
furnishing with a merchant solution.
If you are just starting an online business and you don’t think
that your sales will generate more than a thousand dollars a
month, you will be better of with a third party processor.
However, once your sales become a few thousand you will save a
bundle by switching to a merchant account.
PayPal
With 72 million accounts worldwide and payment volume which is
growing at a rate of 44 percent each year, PayPal by far is the
most popular third party processor on the Internet.
PayPal is a simple and affordable payment solution for those
online merchants who are unable to or don’t want to go through
the complex process of setting up a bank merchant account.
At present, PayPal has four unique solutions for merchants.
PayPal Website Payments Standard: This solution allows you to
accept credit cards on your website. However, the transaction is
processed on the PayPal secure server. The customer can choose to
pay either by credit card or PayPal. If you don’t have shopping
cart as yet, you may get one from PayPal; or you can integrate
PayPal solution to your existing shopping cart.
Cost: No monthly fee. No setup fees. No cancellation fees.
Transaction Fees are 1.9% to 2.9% + $0.30 US$.
PayPal Website Payments Pro: This solution is virtually same as
having your own merchant account. If a customer pays by a credit
card, PayPal works as a payment gateway for you. The customer
does not leave your website at anytime if she pays you by a
credit card.
Cost: $20.00 US$ monthly fee. No setup fees. No cancellation
fees. Transaction Fees are 2.2% to 2.9% + $0.30 US$.
PayPal Email Payments: This is the payment system PayPal started
with. You send invoice to your customers by email and get paid on
PayPal.
Cost: No monthly fee. No setup fees. No cancellation fees.
Transaction Fees are 1.9% to 2.9% + $0.30 US$.
PayPal as an Additional Payment Option: If you already have a
merchant account and you would like to add PayPal to your
existing payment solutions, you can use this option.
If you are planning to sell products through eBay, you definitely
should have PayPal option. According to eBay, three out of four
eBay customers choose to pay by PayPal.
When you use PayPal as your primary processor, make sure that you
have at least one more alternative payment solution handy. The
reason is many disgruntled former users of PayPal claim that
PayPal might freeze your account anytime without any apparent
reason. Read http://www.PayPalsucks.com for more information.
However, According to a new report, Merchant losses from fraud on
PayPal are now only 0.17% of revenues, vs. 1.8% for online
merchants that accept credit cards through merchant accounts.
This gives one more reason to use PayPal.
WorldPay
If you are facing problems to get a merchant account due to the
factor that you are not located in the US, WorldPay could be the
solution for you. WorldPay is a one-stop solution for your
merchant account, payment gateway and store front. The payment
option comes with fraud protection and risk management
applications to safeguard your business. Based in England,
WorldPay is a division of Royal Bank of Scotland.
Cost: If you compare with PayPal, WorldPay’s fees are pretty
stiff. 50 US$ monthly fee. 400 US$ setup fee. Transaction Fees
are 3.25% + $0.40 US$. The charge for multicurrency processing is
5.25% per transaction.
2Checkout
2checkout.com works as an online distribution center. When
customer buys a product from your website through 2checkout, you
actually make your sale to 2checkout for immediate resale to your
customer. Customers are billed by 2checkout not you. 2checkout
accepts vendors from virtually all over the world. You can also
set up recurring billing through 2checkout.
Cost: No monthly fee. 49 US$ setup fee. Transaction Fee:
5.5% + $0.30 US$.
ClickBank
For selling e-books, reports and other similar digital products,
ClickBank.com is probably your best option. The great thing about
ClickBank is it has over 100 thousand affiliates promoting
products available on the ClickBank marketplace. By listing your
product with ClickBank, you automatically tap into a huge
potential market. ClickBank accepts all major credit cards and
PayPal.
Cost: 50 US$ set up fee. Depending on the percentage of the
commission you pay to your affiliates, transaction fee varies
from 2.5% plus 0.33 US$ to 7.5% plus 1 US$.
There are many other third party processing companies available
on the Internet. Two of them worth mentioning are
http://moneybookers.com and http://www.ikobo.com.
Since fees fluctuate considerably from one solution to another
depending on your location, products and other needs, make sure
to do a thorough research before signing up with any of the
mentioned providers.
Nowshade Kabir, is the founder, primary developer and present
CEO of Rusbiz.com – a Global B2B Exchange with solutions to
create e-catalog, Web store, business process management and
other features to run a business online. You can read various
articles written by Nowshade Kabir at http://ezine.rusbiz.com.
Article Source: http://EzineArticles.com/?expert=Nowshade_Kabir
http://EzineArticles.com/?How-to-Receive-Payments-for-Your-Online-Sales&id=47687
By Nowshade Kabir
Once you decide which products you are planning to sell on the
Internet, and what type of web store you are going to use in
order to display your products, next vital decision that you have
to take is to figure out how your customers are going to pay you.
Whatever you plan to sell online, accepting credit card
transaction is a must! A full 90 percent of all online sales
occur through credit card payments.
There are two ways you can add e-commerce capabilities to your
website:
1. Having your own merchant account
2. Using third party processors
What is a merchant account?
A merchant account is a special kind of bank account where funds
received from credit card transactions are first routed to the
special account and held there before being remitted to your
business account. You as an online merchant will need an account
called “Card Not Present Merchant Account”.
Having the merchant account is, actually, the first step in
processing credit cards online. You will also need a payment
gateway. A payment gateway is a service provided by billing
processor which allows real time authorization of online
transactions. The payment gateway you choose to work with has to
be compatible with your shopping cart. Three top payment Gateway
providers are AuthorizeNet (http://www.authorizenet.com/),
Verisign (http://www.verisign.com/) and USAePay
(http://www.usaepay.com/). All payment gateway providers have
their own merchant solutions. Most banks, today, work with
partner payment gateway providers and are fully capable of
furnishing with a merchant solution.
If you are just starting an online business and you don’t think
that your sales will generate more than a thousand dollars a
month, you will be better of with a third party processor.
However, once your sales become a few thousand you will save a
bundle by switching to a merchant account.
PayPal
With 72 million accounts worldwide and payment volume which is
growing at a rate of 44 percent each year, PayPal by far is the
most popular third party processor on the Internet.
PayPal is a simple and affordable payment solution for those
online merchants who are unable to or don’t want to go through
the complex process of setting up a bank merchant account.
At present, PayPal has four unique solutions for merchants.
PayPal Website Payments Standard: This solution allows you to
accept credit cards on your website. However, the transaction is
processed on the PayPal secure server. The customer can choose to
pay either by credit card or PayPal. If you don’t have shopping
cart as yet, you may get one from PayPal; or you can integrate
PayPal solution to your existing shopping cart.
Cost: No monthly fee. No setup fees. No cancellation fees.
Transaction Fees are 1.9% to 2.9% + $0.30 US$.
PayPal Website Payments Pro: This solution is virtually same as
having your own merchant account. If a customer pays by a credit
card, PayPal works as a payment gateway for you. The customer
does not leave your website at anytime if she pays you by a
credit card.
Cost: $20.00 US$ monthly fee. No setup fees. No cancellation
fees. Transaction Fees are 2.2% to 2.9% + $0.30 US$.
PayPal Email Payments: This is the payment system PayPal started
with. You send invoice to your customers by email and get paid on
PayPal.
Cost: No monthly fee. No setup fees. No cancellation fees.
Transaction Fees are 1.9% to 2.9% + $0.30 US$.
PayPal as an Additional Payment Option: If you already have a
merchant account and you would like to add PayPal to your
existing payment solutions, you can use this option.
If you are planning to sell products through eBay, you definitely
should have PayPal option. According to eBay, three out of four
eBay customers choose to pay by PayPal.
When you use PayPal as your primary processor, make sure that you
have at least one more alternative payment solution handy. The
reason is many disgruntled former users of PayPal claim that
PayPal might freeze your account anytime without any apparent
reason. Read http://www.PayPalsucks.com for more information.
However, According to a new report, Merchant losses from fraud on
PayPal are now only 0.17% of revenues, vs. 1.8% for online
merchants that accept credit cards through merchant accounts.
This gives one more reason to use PayPal.
WorldPay
If you are facing problems to get a merchant account due to the
factor that you are not located in the US, WorldPay could be the
solution for you. WorldPay is a one-stop solution for your
merchant account, payment gateway and store front. The payment
option comes with fraud protection and risk management
applications to safeguard your business. Based in England,
WorldPay is a division of Royal Bank of Scotland.
Cost: If you compare with PayPal, WorldPay’s fees are pretty
stiff. 50 US$ monthly fee. 400 US$ setup fee. Transaction Fees
are 3.25% + $0.40 US$. The charge for multicurrency processing is
5.25% per transaction.
2Checkout
2checkout.com works as an online distribution center. When
customer buys a product from your website through 2checkout, you
actually make your sale to 2checkout for immediate resale to your
customer. Customers are billed by 2checkout not you. 2checkout
accepts vendors from virtually all over the world. You can also
set up recurring billing through 2checkout.
Cost: No monthly fee. 49 US$ setup fee. Transaction Fee:
5.5% + $0.30 US$.
ClickBank
For selling e-books, reports and other similar digital products,
ClickBank.com is probably your best option. The great thing about
ClickBank is it has over 100 thousand affiliates promoting
products available on the ClickBank marketplace. By listing your
product with ClickBank, you automatically tap into a huge
potential market. ClickBank accepts all major credit cards and
PayPal.
Cost: 50 US$ set up fee. Depending on the percentage of the
commission you pay to your affiliates, transaction fee varies
from 2.5% plus 0.33 US$ to 7.5% plus 1 US$.
There are many other third party processing companies available
on the Internet. Two of them worth mentioning are
http://moneybookers.com and http://www.ikobo.com.
Since fees fluctuate considerably from one solution to another
depending on your location, products and other needs, make sure
to do a thorough research before signing up with any of the
mentioned providers.
Nowshade Kabir, is the founder, primary developer and present
CEO of Rusbiz.com – a Global B2B Exchange with solutions to
create e-catalog, Web store, business process management and
other features to run a business online. You can read various
articles written by Nowshade Kabir at http://ezine.rusbiz.com.
Article Source: http://EzineArticles.com/?expert=Nowshade_Kabir
http://EzineArticles.com/?How-to-Receive-Payments-for-Your-Online-Sales&id=47687
Wednesday, May 2, 2007
Internet Merchant Account
Online Merchant Services
By Alison Cole
An online merchant service is one that enables you to make payments on the internet. Typically, online merchant services work through Internet merchant accounts that are provided through an acquiring bank. This acquirer effectively allows you to accept or make payments through credit cards online. As it is the case with almost any business decision, there are a number of both advantages as well as disadvantages to online systems of payment and also to other types of processors of credit card. On a general basis, the advantages tend to be tied to having a direct control of the system for processing the payment. On the flip side the disadvantages tend to revolve around factors like mechanics, logistics, and security. The responsibility for the entire process of payment is a very risky affair and needs to be contemplated to avoid any loopholes.
A major concern that a lot of people face is the costs incurred to obtain online merchant services. There are a multitude of potential fees and costs that are associated with even designing an ecommerce web site that would provide these services. If you are looking to set up such a web service to enhance your business process then you need to consider potential charges for the same. Various credit card merchant account fees will crop up from each provider who is involved in assisting you to establish your ecommerce web site. The merchant service set up will involve application fees, the actual set-up fees, not to mention yearly membership charges. There are also other factors like monthly statement charges and gateway access fees. The list is quite long and so you will need to look into it in a comprehensive manner as it is easy to misinterpret the fee structures. This is because very rarely are all the exact costs related to ecommerce revealed in a single place. However in the end the set up of such an online merchant service could prove to be extremely beneficial to your trade and could leverage your customer base.
Merchant Services provides detailed information on merchant services, e-commerce merchant services, high risk merchant accounts, internet merchant services and more. Merchant Services is affiliated with Internet Merchant Accounts.
Article Source: http://EzineArticles.com/?expert=Alison_Cole
http://EzineArticles.com/?Online-Merchant-Services&id=410024
By Alison Cole
An online merchant service is one that enables you to make payments on the internet. Typically, online merchant services work through Internet merchant accounts that are provided through an acquiring bank. This acquirer effectively allows you to accept or make payments through credit cards online. As it is the case with almost any business decision, there are a number of both advantages as well as disadvantages to online systems of payment and also to other types of processors of credit card. On a general basis, the advantages tend to be tied to having a direct control of the system for processing the payment. On the flip side the disadvantages tend to revolve around factors like mechanics, logistics, and security. The responsibility for the entire process of payment is a very risky affair and needs to be contemplated to avoid any loopholes.
A major concern that a lot of people face is the costs incurred to obtain online merchant services. There are a multitude of potential fees and costs that are associated with even designing an ecommerce web site that would provide these services. If you are looking to set up such a web service to enhance your business process then you need to consider potential charges for the same. Various credit card merchant account fees will crop up from each provider who is involved in assisting you to establish your ecommerce web site. The merchant service set up will involve application fees, the actual set-up fees, not to mention yearly membership charges. There are also other factors like monthly statement charges and gateway access fees. The list is quite long and so you will need to look into it in a comprehensive manner as it is easy to misinterpret the fee structures. This is because very rarely are all the exact costs related to ecommerce revealed in a single place. However in the end the set up of such an online merchant service could prove to be extremely beneficial to your trade and could leverage your customer base.
Merchant Services provides detailed information on merchant services, e-commerce merchant services, high risk merchant accounts, internet merchant services and more. Merchant Services is affiliated with Internet Merchant Accounts.
Article Source: http://EzineArticles.com/?expert=Alison_Cole
http://EzineArticles.com/?Online-Merchant-Services&id=410024
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