Looking for a Credit Card Merchant Account? CLICK HERE to get a Credit Card Merchant Account
A credit card merchant account is a specific commercial facility; you get the ability to take accept credit cards.
If you have a merchant account you can take credit card from anyone in any country, but if you are taking them over the phone or the internet you must be authorised for 'card not present' transactions.
If you are taking credit card details over the internet, specify that you want an 'internet merchant account'.
This is important. 'Card not present' transactions attract more fraud; if you do them with an ordinary merchant account you risk losing it.
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- Most countries accepted;
- 100% money back acceptance guarantee;
- Inexpensive;
- Secure;
- All currencies;
- No hidden fees;
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Here is where you get my experiences in designing an ecommerce business, with my own credit card merchant accounts.
| Things to look out for at credit card merchant account sites are: If you need to maintain a U.S. presence - full U.S. incorporation, U.S. server, U.S. offices, U.S. bank account - or not. The latter option is possible, so don't give up to easily. Also if they want a deposit, and the size of their application fee. And the usual monthly minimums, discounts etc. AVOID getting into any software purchase or equipment rental. You can sort all that out later, for less money. There are plenty of good third party credit card merchant account processors, like authorize.net, out there just itching for your business. | Things you may need (copied from merchantseek.com): "Business checking account (some providers set you up with one) A copy of a voided check (if you use your own business checking account for funds to be deposited in) Articles of incorporation, business license or reseller license. (A 'Certificate of Assumed Name' from your county Register of Deeds office may be all that is required.) The purpose of this is to prove you are a legitimate business. Pictures of business office and location (this extra step can save you money in credit card processing costs) Have a web site (if you want real-time processing) Photocopy of your return policy information Provide trade references Photocopy of recent tax returns (may or may not be needed depending on monthly sales volume you expect through your merchant account) Site inspection (have a photographer come in and take pictures of your inventory). Only a handful of providers still require this. A photocopy of your drivers license or passport." An E-book on Credit Card Merchant Accounts and Ecommerce Strategy. Banks are wary of small businesses. They will not lightly give you a credit card merchant account.
You often have to pay extortionate signing-up fees. And monthly fees. And for the 'hire-purchase' of processing software. And a percentage of each sale. And there are a lot of dodgy-looking so-called credit card merchant account providers and processors out there. It's not one of these tacky reseller deals either. You own the credit card merchant accounts. You own the secure order form and web-site. You set up your own affiliate program. You can mix and match options to suit yourself. This is an original report. | 
