I am starting a service business that needs to charge the customers money over phone. How can I do that? Do I need to get a merchant account?
Can someone recommend a couple companies that offer the services I need?

I am shopping around to find the best solution to charge my customers (in store) who pay with credit cards, and the cheapest too.
I was looking at Quickbooks credit card processing software, and it seems like a good deal. But do I have to have a merchant account in order to use it?

Thanks

I have a customer that wants Zen Cart installed and set up on their website. I also would need to set up their merchant account, which they have already set up through their bank.
How much should I charge?

Any answers with unlinked sources will be disregarded/rated poorly.

I purchased something in November in Oklahoma and the merchant has not yet taken the money from my Visa debit card. How long do I need to keep the money in the account?
I know the merchant can’t charge until shipped. This is some merchandise I bought at Walmart. slid the card, they put a hold on it for a few days and never got around to taking out the money.

I have the proof of delivary, is it possible to file a case against the buyer or better against the credit card company?

My gym is claiming I owe them $45 because they tried to charge my credit card 3 times, and it was denied each time, costing them $15 / pop.

I’m not sure why the charge was denied all three times. They say it came back as ‘miscellaneous’, so they just kept on trying to charge it. Each time incurring a $15 Charge.

I had sufficient funds, and my account was in good standing.

Also this was an EFT payment if that makes a difference.

I have a business and I need to charge my customers credit card,but don’t have the volume to justify the cost and ongoing exspense to establish a merchant account.Paypal is not an option.