Credit Card Merchant Accounts

2007-03-08 10:33:40

( Business )



Whether you’re selling a product or a service, it’s usually a good idea to have a website that accepts credit cards.

These days, most consumers are looking for a convenient shopping experience – a single click transaction minus the hassle.

If your website does not have credit card capabilities, you are missing out on thousands, probably even millions, of dollars of potential income.

To maximize your web presence, it is time to upgrade from a static website to one with e-commerce facilities. How? Through credit card merchant accounts.

The Importance of Credit Card Merchant Accounts

Credit card merchant accounts are systems that allow you to accept electronic payments through credit cards, debit cards, or gift cards.

There are several reasons why you should get a credit card merchant account:

Increase Your Sales: When you launch an online store, make sure that it has the ability to process credit card payments. Otherwise, shoppers will find your online store useless. Why should they shop in your website when they can easily and more conveniently shop elsewhere? Paying through credit cards has become the most popular method in the World Wide Web. The inability to accept credit cards will translate to low, even zero, sales.

Speed Up Your Payments: Through credit card merchant accounts, you can get paid quicker. Since the payment is deposited directly into your bank account, you can often withdraw or use the funds within a few days.

Increase Your Credibility: Credit card merchant accounts convey a more professional image to your target market. This allows you to increase your credibility and build a more positive corporate image. Even if you’re running a small company, an online store with credit card processing capabilities will give the impression that you mean serious business.

Provide A Better Shopping Experience: By receiving credit card payments, you are encouraging web site visitors to buy your products and/or services as they browse through your website. If your products are readily available with a click of a mouse, your customers will be motivated to make instant purchases.


How To Get A Merchant Account

Seek a reliable provider to give you an instant merchant account with the capability to receive online payments for your products and/or services.

Your eligibility will be determined based on your credit history. If you have a history of bad credits, you may not be granted a merchant account. However, if your business is in good standing, your application should be easily approved.

Although methods may vary per industry, a good merchant account provider often has the platform to establish a system specifically for your type of business.

For simple to complex billing systems, look for credit card merchant accounts that can be integrated into your accounting management software. This allows you to save time and avoid extensive paperwork.

The best merchant accounts in the market today are those that provide the option to centralize your ecommerce store, your electronic payment processing, and your accounting system.


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