Merchant Account Success Stories
"We
were looking for a service that was easy for our customers to
use and easy for us to maintain. We chose SunVirtual's Merchant Account
for our business and couldn't be more pleased with the service.
Your setup was quick and easy, and the entire operation was very
smooth with no problems at all. I would recommend SunVirtual's Merchant
Account to anyone wanting to accept credit cards for their
business. Your company is an A+ in my book."
-- Veronica Braddy, African American Roots, Inc.
www.african-weddings.com
"I'm
very impressed with how easy it was to get set up to accept
credit cards with your company. I called your company and spoke
with Sean. Other than the fact it was free and only took me 5
minutes to apply, Sean was extremely nice, knowledgeable and
really cared about helping find the best solution for our
company. Thanks for having a staff that actually cares."
-- Etty Fhima, Handbags at Wholesale
www.handbagsatwholesale.com
"I'm
not kidding when I say my sales have tripled since I started
accepting credit cards. You guys were absolutely right! If
you're not accept credit cards for your business you're
definitely losing sales. All I can say is Thank you. Thank you.
Thank you.
-- Liran Haiman, Moving Waterfall Pictures
www.moving-waterfall-pictures.com
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Business located within the United States
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Your Social Security Number
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Merchant Account Services for your Business
Author: Matt Taggart
There are many ways of accepting debit and credit card
transactions from your customers; however obtaining a merchant
account from a UK based bank is by far the least expensive
method. These banks, such as Streamline, HBOS etc., issue
Merchant Account which allow you to
process credit cards and
debit cards through a variety of methods. Traditionally debit
and credit card processing
would have been organised via a
credit card machine, sometimes referred to as a PDQ machine.
However in recent years the Internet has opened other sales
channels requiring secure payment facilities.
The humble credit card machine has been joined by virtual
terminals and full Ecommerce with shopping carts as more and
more people are buying online and banks have to introduce
stringent measures to prevent rogue traders from obtaining
credit and debit card accepting payment facilities. Due to these
efforts the problem from UK based rogue merchants has been all
but eradicated but the problem continues to exist with non-UK
based traders.
Verified by Visa (VbV) and MasterCard SecurCode are becoming
more common in Ecommerce (Internet)
credit card processing and
have been introduced to negate the fear factor amongst consumers
when purchasing via the Internet. It is a simple
password-protected identity-checking service which takes a good
proportion of risk out of buying on-line and gives the same
level of fraud protection as chip and pin. Cardholders can
register a password with their card issuer, which they will be
prompted to enter every time they use the card online (rather
like entering a PIN number into a
credit card machine) and they
are then protected from fraudulent transactions using their
payment card and thus gain the reassurance needed to spend with
confidence.
Companies such as Protx provide secure online
credit card
processing payment facilities for thousands of bona-fide online
and mail-order business across the UK. However, a merchant
account is still necessary in order to keep credit card
processing cost to a minimum.
Applying for a Merchant Account
can be something of a minefield
and it is worthwhile doing some research before making any
application particularly with regard to the rates offered as
these can vary considerably and you may find too late that there
are some expensive hidden or unexpected costs. The most
time-efficient means of looking into the market is through use
of a third party organisation such as Seymour Direct who
specialise in obtaining the best rates for their customers
depending on the type of business, area of trade and current or
forecasted turnover on cards. They have access to rates offered
by a number of banks and can advise the best available in a
given situation. For further information on low charges
telephone 0800 980 4007 or visit Semour Direct website.
Once you’ve decided or been advised which bank or financial
organization best suits your business’ requirements there is a
certain amount of preparatory work to do in collating the
paperwork that will be required to obtain your
card processing
facility. These may include financial information regarding your
business (if your business is less than 12 months old this would
take the form of a business plan or forecast), any printed
literature regarding your products or services, written details
of any guarantees or warranties you offer your customers, proof
of identity and if you already hold a merchant account with
another bank of financial organisation it can help to have
available 3 months current processing statements.
If all this information is at hand you will find that the
application process will be much smoother and simpler. It takes
on average about three weeks to set up a merchant account from
the date you return the Merchant Agreement to your chosen
financial institution but could take longer if your business is
deemed as high risk by the bank.
Article Source:
http://www.articlesbase.com/credit-articles/merchant-account-services-for-your-business-337923.html
About the Author:
Matt Taggart is a specialist in merchant account credit card processing at Seymour Direct. For more information, contact
Merchant Account Services providers at
Seymour Direct.
If you
want to compete on the internet today, you
must accept credit cards and start credit card processing.
