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Merchant Account Services Stacks the Deck on Credit Card Services

Jackson, NJ (PRWEB) April 24, 2006

Comparison shopping. Consumers do it all the time and find easy access to many Internet sites that help them find the real deal. John Conde was quite surprised to find that the same wasn’t true for merchants shopping for shopping cart services, merchant accounts, and credit card payment gateways. Although many sites compare merchant credit card services, the deck is usually stacked in their favor.

Conde says, “After speaking to thousands of merchants looking to establish merchant accounts while a sales agent, it became very clear that I was their best source of information. And I was the one trying to solicit their business! It was just obvious that there were no resources for merchants to get unbiased information about merchant accounts and merchant services in general.”

Conde says he was “stunned” to find the domain available. He quickly snapped it up and partnered with programmer Sara Smith, resolving to develop a resource that takes the gamble out of shopping for merchant accounts and services and provides the merchant with the tools he/she needs to find a square deal.

Launched in mid-March, Merchant Accounts Services provides merchants with both free, unbiased information and the tools needed to make informed decisions when choosing merchant services. In addition to resources for new Internet businesses, Merchant Accounts Services is flush with information on services that merchants with existing merchant accounts may overlook. Articles, written by industry experts, provide merchants with tutorials on subjects that range from setting up an e-commerce business to tips on how to avoid charge backs.

Tools include calculators to determine and compare basic and advanced fees between providers and a forum for merchants to network with peers, discuss business problems, and find solutions. A blog spot helps the merchant keep up to date on industry news.

Everyday, thousands of new Internet enterprises are trying to get in the game without knowing the rules. Conde says, “The biggest challenge is to get the word out that there is a place where they can go to learn more about how it all works.”

Merchant Account Services puts the right cards in the hands of e-commerce, empowering merchants with free tools and information to help them make the right decisions for their businesses.

About Merchant Account Services:

Merchant Account Services is a unique innovation for e-commerce in that it is dedicated to not only providing merchants with the tools they need to make informed decisions when acquiring merchant services, but also resolved to be a free service offered always in the best interest of the merchant.

Although founded in Jackson, NJ, Merchant Account Services taps the resources of the Internet global community to deliver current information to a worldwide Internet marketplace.

Additional information about Merchant Account Services is located at or contact Brainyminds, 2275 W County Line Rd, Suite 6, Jackson, NJ 08527-2354

Phone: 877-264-3327

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Navigating Through the Risks of Credit Card Processing

Navigating Through the Risks of Credit Card Processing

Finally, credit card processing explained from the business owner’s perspective!
The first book from the series, The Savvy Business Owner’s Guide, Navigating Through the Risks of Credit Card Processing explores the terms, pricing structures, contracts, and the basics of credit card processing. Discussions on fraud, error prevention, sales agents, processing needs, and what Congress and state legislatures need to do when it comes to credit card processing provide insight into the reasons why t

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Merchant Services Processing

The Basics of Merchant Services Accounts

What is a merchant account?
A merchant account gives a business the ability to accept credit cards as payment for the company’s goods and services. This provides your customers with an extremely popular payment option, beyond cash and checks.

Studies have shown that merchants can typically increase their business by 50% to 80% or more-sometimes even hundreds of percent. Plus, customers are more willing to purchase higher-cost goods using a payment method that offers them repayment flexibility. It is projected that by 2002, credit card transactions will account for 98% of Internet sales, equaling .6 billion.

Innovative Merchant Solutions of PA Inc., specializes in setting up businesses of all types throughout the country with merchant services accounts and credit card processing solutions. Whether you need a retail merchant account, Internet merchant account, or mail/phone order merchant account we have a cost effective merchant account solution that is right for your business. Our merchant account rates are some of the most competitive processing rates in the industry.

How does a merchant account work?
How it works with retail or swiped accounts:

Step 1:
A customer provides your business with a non-cash payment, such as a credit card, for a purchase.

Step 2.
A transaction then occurs by either swiping the credit card or manually entering the credit card information into the terminal.

Step 3.
An electronic transaction occurs through your credit card terminal which either approves or denies the transaction payment. If approved, your credit card processing service will credit and deposit money into your bank account the amount of the transaction within 2 to 3 days, less any fees (discount rate and transaction fees) per transaction.

How it works with internet accounts:

Step 1:
The consumers complete their orders via the merchants web store. This should be done on a secure web page so that the consumer’s personal information including banking information (credit card or check) is encrypted so that it can’t be intercepted and read by third parties while being transferred over the internet. Secure pages should always be used while handling credit card processing online.

Step 2:
The shopping cart program on the web host computer gathers the order information, compiling it into a form that the credit card processing company expects.

Step 3:
The shopping cart transmits the formatted order from the web host to the credit card processor (payment gateway). The credit card processor checks that the information it received about the order to be sure it has everything it needs to continue processing the transaction. It then determines what company manages the customer’s credit card and transmits a request for the card to be charged.

Step 4:
The customer’s credit card company validates the card and the account. If everything checks out correctly and the credit card is clear for purchases the credit card company sends an acknowledgement back to the card processor that the amount requested can be transferred. If the credit card company denies the charge it sends a code back to the credit card processor indicating what the problem was.

Step 5:
The credit card processor now tells the shopping cart program at the web host whether or not the transaction was successful (the shopping cart then can tell the customer whether or not the order was complete and send the order on to the merchant for delivery of the product or service). The credit card processor initiates a funds transfer (settlement request) to the merchant account company for deposit into the merchant’s bank account that it has on record.

Step 6:
Internet merchant accounts collect the funds for a specified period of time and make scheduled transfers to the merchant’s regular bank account and the credit card processing transaction is complete.

How do discount rates and transaction fees work?

Our merchant account fees are broken up into two parts: the discount rate and the transaction fee. The discount rate is the percentage of each transaction that the acquirer charges to the merchant in order to process the charge. Because the discount rate is a percentage of the total ticket amount, the amount deducted from the merchant account will vary depending on the ticket size. The transaction fee, on the other hand, is a fixed amount also taken from each transaction. The transaction fee always stays the same. For example, if a merchant has a credit card sale for 0 and the discount rate is 1.70% and the transaction fee is 25 cents, the calculations are: (0 x 1.70%) + .25 = .95. In this example, .05 is deposited into that merchant’s merchant account and .90 is deducted to pay for processing the transaction. Let’s now say the credit card sale is for 00, and the discount rate again is 1.70% and the transaction fee again is .25, the calculations are: (00 x 1.70%) + .25 = .25. In this example, 2.75 is deposited into the merchant’s merchant account and .25 is deducted for processing the transaction. As you can see the amount taken for the discount rate varies, where as the amount taken for the transaction fee stays the same. Please see our FAQ for any additional questions you may have.

What is the difference between “card present” and “card not present” transactions?

There are two different types of credit card transactions, “card present” or “swiped” transactions and “card not present” or “keyed” transactions. A transaction qualifies as a “card present” or “swiped” transaction when the customer and credit card are present at the point of sale. The transaction then takes place when the card is swiped through a terminal such that the card holder’s information is obtained by reading the magnetic stripe on the back of the card. “Card not present” or “keyed” transactions take place when the credit card information is keyed into the credit card terminal, usually without the credit card or customer present at the time of the sale. The discount rate for a “card not present” transaction is slightly higher than that of a “card present” transaction because the likelihood of fraud or the chance of having a customer return an item is greater.

How do I get a merchant account?
You can request information by filling a brief online form by visiting  If you prefer, you can call 1-800-328-2269 to speak to a new accounts representative about setting up an account or transferring an existing one.

Innovative Merchant Solutions of PA, Inc. a sales agent office for Innovative Merchant Solutions, an Intuit Company (Nasdaq: INTU) is a leading provider of credit card and debit card-based payment processing for over 120,000 merchants, handling over Billion in volume annually.

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North American Bancard Credit Card Processing and Merchant Account Services
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Merchant Services in Irvine CA Announces Launch of Innovative Mobile Payment Processing Option

Founded in 1995, Merchant Services is a leading provider of e-commerce solutions to businesses throughout the United States.

San Francisco, CA – Merchant Services Irvine, CA; May, 2010- Merchant Services is excited to announce the offering of an innovative and cost-effective mobile payment processing solution. Leading the industry by staying at the cutting edge of technological advances at business friendly prices, Merchant Services, of Irvine, CA, has partnered with ROAM Data to offer ROAMpay, a mobile processing service that can be used with over 400 of today’s most popular mobile phones.

Interfacing with devices such as iPhone, BlackBerry, Droid, and RAZR, among hundreds of others, this new program allows merchants to process transactions safely, securely and efficiently. Multiple business types can benefit from this service including plumbers, contractors, catering services, taxi and shuttle services, towing companies, non-profits (events and fundraisers) and outdoor markets and kiosks.
“Mobile payment processing is exciting”, says Merchant Services, “We feel this new option will greatly benefit many of our customers.”

About Merchant Services

Founded in 1995, Merchant Services is a leading provider of e-commerce solutions to businesses throughout the United States. Recognized in 2009 by Inc. Magazine as one of The 5000 Fastest Growing Privately-Held Companies in the U.S., Merchant Services provides sound, reliable and cost-effective bankcard and e-commerce support to tens of thousands of business partners nationwide. Merchant Services is located in Irvine, CA.

Merchant Services Irvine offers credit card processing services and merchant accounts. Merchant Services Irvine California

For additional information contact:
Merchant Services
9012 Research Drive Irvine, CA 92618
(949) 861-4000


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Interested in Merchant Accounts? Discover Your Many Options

Interested in Merchant Accounts? Discover Your Many Options

If you are just starting a new business or trying to expand, you can boost your profits by opening a merchant account. A merchant account will allow you to accept debit and credit cards. It will boost your business, increase your customer base, your clients’ satisfaction, and your credibility. Read this article if you want to find out what merchant account options are available to you.

Internet Merchant Account

Internet merchant accounts were created for businesses that sell their products on the web. The fact is that most people use debit cards or credit cards when they shop online, so an internet merchant account will help you substantially boost your profits. Keep in mind that an internet merchant account will cost you more because there is a higher risk of fraud, but the fees are still reasonable.
If you want your company to thrive, you should definitely take your business online. You will be competing with so many businesses on the web, so it is crucial that you accept debit cards and credit cards from your customers. If you do not offer these payment methods, you will reduce your revenue and lose a substantial amount of business.

Retail Merchant Account

Retail merchant accounts are ideal for brick-and-mortar businesses that are able to use credit card processing machines. After you open this type of account, you will receive a terminal for your countertop. You will use the terminal to swipe your clients’ credit cards. After you swipe the credit cards, the terminal will retrieve the customers’ information and approve or deny the transactions. Bear in mind that retail merchant accounts are associated with lower transaction fees.

High-Risk Merchant Account

High-risk merchant accounts are excellent for businesses that deal with many product returns and charge backs. High-risk merchant accounts are also best for businesses that have a higher potential for fraud such as merchants who deal with travel, casinos, cigarettes, pharmaceutical, alcohol, adult products, and replica products.

Telephone or Mail Merchant Account

This type of account was created for businesses that need to accept credit cards over the phone or via mail. It is always a good idea to offer telephone and mail order payment options because some customers prefer these methods. Some people feel more comfortable when they place orders over the phone. Keep in mind that mail merchant accounts are perfect for direct marketers and catalogue sales.

Offshore Merchant Account

An offshore merchant account is ideal for businesses that conduct transactions around the globe and it will help you accept credit card payments from international customers. Offshore merchant accounts are easy to open and affordable.

Wireless Merchant Account

A wireless merchant account is ideal for businesses that conduct transactions outside of an office. For instance, a food vendor on the streets can accept credit cards with a wireless terminal.
Today, there are hundreds of merchant account providers. Many of these providers are well respected, legitimate companies. However, some of them are dishonest, so you should only use a company that you trust. A good merchant account provider can offer you a variety of options for an affordable price.
Merchant accounts are suitable for any kind of business and they are affordable, so it is in your best interest to start accepting credit card payments from your audience. Keep reading if you are still not convinced. Since most people like to pay for purchases with credit cards and debit cards, you will gain new customers and lock in your current customers. People will stop shopping with businesses that only accept cash and they will come to you. In addition, if you accept credit cards, you will show your customers that you care and you will make their lives easier. They will be more likely to return to your business in the future and they will spend more money if they see things they want to purchase.
You will increase your customers’ confidence if you open a merchant account because studies show that people trust businesses that accept credit cards from their customers. People view these businesses as being legitimate and trustworthy.

Consumers also like to use credit cards because they enjoy earning flier miles, points, free hotel stays, cash, and rewards from their account providers. Shopping with credit cards is also safer and more secure than using cash, especially when consumers are shopping online.

If you open a merchant account, you will not have to wait weeks to get your money. When your customers place orders and pay for their purchases, you will have that money on the same day or the following day. The funds will be deposited in your business checking account. With that said, you should definitely open a merchant account if you want to increase your sales and cash flow today.

Mort Paulsen is freelance writer who writes about a range of topics including businesses and merchant accounts.

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Merchant Services Processing

QuickBooks Credit Card Processing Kit 3.0 [OLDER VERSION]

QuickBooks Credit Card Processing Kit 3.0 [OLDER VERSION]

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When it comes to business, the ability to accept credit cards as payment is a big advantage. Cash is almost a thing of the past. Open up your opportunities with QuickBooks Credit Card Kit 3.0 for Windows and see how easy (and economical) it is to do. All you need is a PC with Internet connection! Each month, you will receive a statement with your account activity LOW COST – No set up fees; No monthly minimum payments – Only .95 per month No terminals to lease/purchase No long-term co

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Runescape Merchanting Guide

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Runescape Merchanting Guide. Learn the #1 Thing Merch Clan Leaders Don’t Want You To Know! Become one of the richest players! Better than any Gold Guide, earn gold pieces even while you are offline!
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