Archive for the ‘Account Card Credit Merchant No Processing’ Category

Merchant Account Services Alabama, Merchant Card Services

Merchant Account Services Alabama, Merchant Card Services

Merchant Services Alabama – Credit Cards and Your Business

Any business will cringe at the thought of what the banks put them through to use credit cards. If you do not know what I mean, then this article is for you!

The fact is that everyone online wants to use a credit card or debit card to process their order. It is very true in our society that the credit card is a way of life, and if you do not offer that ability to accommodate them, customers will move on to another website that does allow them to use their cards. This society has become driven by instant gratification and expects to receive their products immediately, either by a download or a short shipping duration. Taking credit cards as a form of payment on the internet or offline should be thoroughly understood. Read on to see what I mean and how to protect yourself.

The fact is that any merchant taking in payments is immediately at risk for whatever amount is charged and MORE. The banks will take the charge disputed along with a “charge back” fee right from your merchant account, and you better have enough in there that has cleared to pay your own bills or you will be charged more for “overdraft charges”. Some banks are waking up to the fact that it is not always the merchant at fault and most merchants are more than honest in their dealings. There is so much credit card fraud out there and since the merchants are ALWAYS liable, you need to realize this and take action to prevent as much disaster for your business as possible.

First, if you have your own merchant account, then you have a lot of work to do when you receive a credit card order. You must verify as best you can that the card, the name on the card, the address, the cvv number verification, and the quantities are all in order. You need to verify the IP address of every order and see if it is within the location of the card holder. A person living in Toronto, Canada, probably would not be in Las Cruces, New Mexico, charging products. This is a red flag but not a deal breaker, some people DO travel. Caution needs to be taken to protect your cash flow. As a merchant you must get money safely into your account for any goods or service you provide, so that you can become a larger or more substantial independent business.

Do not just take in cards and believe that everything is going to be just fine now that you have the money in your account, because it can come out just as fast, or faster, than it went in. There is a real need for you to understand a lot more than can be mentioned in this article.

The best way to receive all the tools and services you need to protect yourself and to make your voice heard is to check this website: This is a group of dedicated individuals who have been working for years to try to change banking and processing company rules and regulations as relative to merchants, both large and small. If you need any more proof of their dedication, just read some of the press releases and look at the tools they have assembled for merchants to use.

Right now is the time to start to protect yourself from credit card fraud. If you have read any of the newspapers or listened to any of the news reports, then you already know you are at risk. There are reports of over 40 million cards in the hands of criminals and thieves and they will sell these cards or will use them in various illegal methods. It’s not hard to imagine that some day soon you will be approached and asked to spend your time and money to ship a product or provide a service with these fraudulent cards.

Do your part to keep America strong and allow your business to grow and prosper, not be destroyed by thieves and credit card sharks.

http://www.MERCHANTSERVICESALABAMA.COM Merchant Services Alabama provides businesses with creditcard processing, credit card terminals and merchantaccounts. Download Our Free Merchant Services Alabama Ebook
Merchant Services Alabama provides businesses with credit card processing, credit card terminals and merchant accounts. Download Our Free Merchant Services Alabama Ebook

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How Do Credit Merchant Accounts Work?

How Do Credit Merchant Accounts Work?

Almost everyone in the world has seen the secure screens when they order something from the internet. This is called merchant account servicing. It was created to allow merchants to be able to access your personal credit card. If you have an online internet business or are thinking of starting one, you must understand how do credit merchant accounts work.

What is a credit merchant account?

Merchant accounts are the websites that a person has to sign up for in order to verify your bank account or credit card information. Such as Verisign, Master Card, Visa, and many other websites. Many websites also use this information just to verify a person’s age, just to make sure that someone is legally able to make a legitimate transaction.

What are some good credit merchant accounts to have?

Of course, the previously mentioned accounts are great to have; you can add different accounts anytime you wish, just by doing a little bit of research on the internet. is the most popular auction on the internet, and they not only accept most of the major credit cards that are available, they accept other means of payments as well. PayPal is a very popular credit/debit card company that is being used more and more. These websites are easy to add as a means of doing transactions, as many people had rather use one of these cards than to give individual companies and people all their bank information. Other such cards that people use are, GreenDot and All Access. There are, however, other small companies where you may obtain a credit or debit card. You can have a credit/debit card set up at your local bank, and have them to add a business merchant account, if you have your own business.

Owning Your Own Business

If you own your own business, you may lose a lot of money simply by doing cash only sales. There are quite a few travelers who do not carry very much cash on them and the only way they can purchase something that they really want is to use a debit/credit card machine. So they pass up the item and you lose money. If you had only had the machine available you could have simply slid their card through and at the end of the day sent off the receipt to the proper place. Places of business of all sorts use these machines; they have already realized how important they are, and have increased their revenues tremendously. Places such as Wells Fargo Online, will allow you to open and activate an online merchant account.

Your Advantages

Many internet businesses will offer you some very good discounts if you order from them. They all have secure websites that allow you to input your card information without having to worry about someone stealing your identity and other valuable details.

If you own your own business, it would be both essential and beneficial for you to open one of these merchant accounts. Once you do, you can then build your business by creating an internet sales website to help promote your products. You can increase your sales margin tremendously by understanding how do credit merchant accounts work.

To learn more about What Are Business Merchant Accounts, visit where you will find all you need to know about merchant accounts. Dianna Yvonne Smith is a business consultant, author and expert in several areas of internet marketing.

Enjoy The Benefits Of A Credit Merchant Account

Enjoy The Benefits Of A Credit Merchant Account

A credit merchant account can make your business more productive than ever. That’s because a merchant account will let you start accepting credit card payments from customers in any part of the world at any time of the day or night. Could business possibly be better than that when conducted in any other way? That is why you need to know more about potential benefits of a merchant account.

Your credit merchant account will let you grow your business in ways you may not have imagined. For example, in addition to taking credit card payments on location at your store, you can take a wireless credit card processor with you to customers residences or places of business and accept payment on the spot. This makes it easier for the customer to pay the charges and not give another thought to the transaction. You, on the other hand, likewise benefit when the bill is paid promptly without the hassle of waiting for payments that may never arrive. You can hire few billing clerks and accounts receivable employees when you accept credit transactions that are processed instantly.

Another way that a credit merchant account can serve your business is when you implement a phone order and payment system. A digital program will let customers call a toll-free number, listen to messages about products and services or select other options, such as payment or catalog request, and then finish up by processing a credit card for any purchases made during the phone call. You don’t even have to hire someone to answer the phone; the entire process can be automated, although you may want to have a customer service rep available at certain hours of the day if needed.

The credit merchant account benefit that is creating quite a buzz in the business world is the Internet credit card processing option. More companies are putting up a Website in cyberspace to get their names out there and to attract a larger, more global client base. You can enjoy these benefits, too, when you get approved for a credit merchant account and hire a Web designer to create an artistic or thoughtful Website that represents your business to customers around the world. Registering with search engines will bring thousands of visitors to your site by accident, but they may decide to remain when they find exciting features on your home page, such as a survey, a helpful hint, or links to product lists and descriptions. They can shop in any time zone or region in any continent from a computer with Internet access. Think of the possibilities for building a super-size client base!

Give some thought to applying for a merchant credit account from a trusted lender or underwriter. This special account will confer professional merchant status and allow you to collect credit payments in a timely manner instead of working through a time-consuming billing process that may render less fruitful results. Shop soon to compare prices and terms for your credit merchant account.

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Do you Have more Than one eBay Merchant Account? – Sutty5 writes “Many discussions recently have focussed on having more than one eBay account. Ebay has no problems with this, as long as each account is kept in good standing. Following are five reasons for opening multiple accounts.”
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