Process Online Payments Like a Pro

Running an online business is not the same as running a retail establishment, where transactions are made by buyers in person. Processing payments in an online environment requires specific solution that can make buying convenient and easy to carry out when cash is not an option. The answer to making online transactions is simple – set up an online merchant account.

An online merchant account will enable your business accept debit, credit and gift cards. In addition, this type of account will protect you against fraud – a risk associated with online business, where transactions are made in more or less anonymous environment.

Choosing the right merchant account provider is very important for your business that is why it is highly recommended to take time to compare services and fees offered by various providers.
Here are a few things to consider when choosing the right merchant service provider:

General Experience
Find out how long has the merchant account provider been in business. Though Merchant account providers with bigger experience tend to be more reliable, it does not mean you should not consider newer account providers, just be more critical of their offers, and claim.

Specific Experience
Certain online merchant account providers may have greater experience in dealing with specific types of businesses. Thus, when looking for an online merchant provider, be sure to choose the one that has ample experience dealing with businesses similar to yours.


The fees various merchant account providers charge for the management and maintenance of a merchant account are different. The same concerns penalty fees. Therefore, when comparing accounts, be sure to ask for a complete list of fees. Due to the great competition among online merchant service providers, a number of fees has been reduced and even eliminated. It is necessary to remember that online merchant accounts usually charge higher fees if compared to other types of accounts, as they are associated with a higher risk of fraud.

Card Acceptance
When deciding on an online merchant account provider it is also advisable to choose the one that enables accepting various credit cards. Your account should be able to accept the major credit cards as Discover, American Express, VISA, and MasterCard, as this will help you attract a larger customer base.

Customer Service

To find out whether there are any complaints against the provider you are going to deal with, you may visit online forums devoted to online merchant providers or check with the Better Business Bureau.

In order to find out how courteous and friendly the customer representatives are, you can call and email companies you are considering. This will also help determine how quickly and effectively they answer your questions.

Technical Service
An online account provider should have the experience and necessary tools to perform spur-of-the-moment technical maintenance tasks necessary for the proper work of your account. Choose a provider, which can respond to technical problems quickly and effectively.

Contract Terms
Some merchant account providers still require their clients signing multi-year contracts. It is better to avoid such deals or check whether there are any penalties for early termination of the agreement.

Your merchant account provider will be an important partner of your business. Be sure to carefully consider all pros and cons, as well as read the fine print before making final decision and signing an agreement.
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