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Whether you own thousands of dollars or just a few hundred-at least two
hundred, and you are providing a service, it may be a good idea for you
to check into accept payment online from your customers.
This is a type
of merchant status and the first place for you to look to achieve that
status is the bank you do business with. Just because you may have been
doing business with them for a long time doesn't mean they will
automatically give you merchant status though, and if they turn you
down, don't worry, you have other options. You can try a couple of
other banks or you can try other companies that specialize in issuing
accounts to online merchants.
Do a Google search and type in credit
card processing, you will find many outfits looking for businesses
seeking merchant accounts. This will not be a cheap endeavor either;
start-up fees to accept payments online can amount to around $200 and
monthly processing fees of around $20 dollars.
While searching for your merchant account so you can accept payments
online, you should also realize that you are going to have to make your
customers feel safe while doing business with you online. Wherever you
buy your credit card processing should also supply you with a secure
transaction environment, if they don't find one some where else before
you start accepting payments online.
Despite what you may have heard
about accepting payments online, credit card payments are still one of
the safest payment methods available online. There are many
fraud-prevention tools out there so check them out and get one that
will suit your needs.
You can also protect yourself by using the card
validation code 2 {CVC2} and the card verification value {CVV2}
verification systems of MasterCard and Visa, respectively. These
verification services use the three-digit codes printed on all
MasterCard and Visa cards to help you determine whether your customers
are using legitimate cards.
Also, you may want to ask prospective
processors about the costs of storefront solutions that you should have
to make your website a success, things like shopping carts, Web
hosting, online payment gateways, virtual checks, customer tracking,
databases for your orders, and a way to calculate tax and shipping
charges.
These are all the things you need for a successful Web site
business.
Shop around for a credit card processor that best suits your needs.
Talk to several different processors and don't be afraid to ask
questions.
Find out about the discount rate: The percentage of each transaction paid to the
merchant account provider. If your monthly charges are less than a
certain volume, the processor may charge a higher percentage. Just make
sure you read all the fine print before you start doing business with
the services you need to run your own business.
You want your customers
to feel secure in all aspects of doing business with you, so they will
keep buying your products and you can accept payments online.
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Handy Guides: eCommerce
Gal Recommends...
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Here are
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business. There isn't a guide or tool recommended on my site that I
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people as possible.
Check out my latest product recommendations.
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