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 have a customer that wants to pay with a credit card today but I don’t have a merchant account.
I know PayPal does it if my customer doesn’t want to use paypal then there is nothing I can do about that.

Does anyone know a company that doesn’t take 2-5 days to set up?

Thanks

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

We run a membership based website where we offer a service to our customers. As a token of good faith, we offer a 3 day trial to the customers for a small $4 processing fee to help cover our expenses. After the 3 day trial, we charge $39.99 a month for our services.

We are having issues with our Merchant account. We have customers who 100% HAVE money in their accounts and when we try and run their cards they are declining.

It happens:
10% of the time for new customers
30% of the time when the customer is converting to a “full member”
30% of the time when the customer is a member and they are being charged the monthly fee anytime after the 1st time.

We have had customers go into they’re online banking while on the phone with us and look at their accounts and verify that they have more than $4 in their account.

All are transactions are done over the phone or online. There is never a card present.

What is the reason that so many of our customer’s credit/debit cards are declining?

in the absence of phone service, then run the entire batch when I get home?

If the corner gas station say charges me $3 for a cheeseburger and I use my visa card, at what point does the gas station’s account actually get credited for the $3? How long is the delay?

Will it make any 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.

It’s such a delight to see more and more merchants on the receiving end of the highly debated free merchant account. From the increased cash flow, the additional security measures, to the ring of customers around the world – despite the fact that it’s not a totally free merchant account and security being a central issue on the net, the list of benefits goes on and on for merchants.

Ladeedaaa, it’s a wonderful world….

Just a second though – so you think it’s only the merchants leveraging free merchant accounts eh?

Guess again! Customers around the world are all “props to credit cards, props to Internet merchant accounts, we can shop till the break of dawn – in fact, we can go online and when the price is right – shop whenever, wherever (thanks to recurring billing too!) whoopee!!” – although there are more females rejoicing in this fact, it’s undeniable – accepting credit cards has changed the way consumers do their shopping.

Shop 24/7/365

Customers around the globe are spending more time in front of the computers – happily blogging away, surfing the latest celebrity tattle, and you guessed it – shopping online. Given any holiday, shoppers are more than willing to ditch the malls and shop for their gifts and personal knick-knacks. Free merchant accounts allow merchants to sleep the night away and still make money off their online shops.

Increased Customer Confidence

Credit card giants are gearing up their security features to further cash in on the current ecommerce revolution. MasterCard has MasterCard SecureCode, while Visa has Verified by Visa. Studies of both camps claim the security of transactions determine the future of ecommerce – that is, the more secure transactions are, the more secure customers are that their financial information doesn’t fall into the hands of Internet toads – the more likely they are to shop, shop, shop. Benefits merchants too!

The matrix look is OUT!

The veil of secrecy has been lifted. No longer shall customers have to disguise themselves with dark glasses or the blackest of trenchcoats when going into shops guaranteed to make their loved ones cringe. Adult Entertainment & paraphernalia is one of the largest customers of free merchant account, freeing customers from bad fashion, and maintaining their anonymity online. Other businesses to benefit from free merchant account are in the field of pharmacy, online gaming, and travel. Couples who wish to travel without the hassle of going to physical travel agencies to book will be amazed at the wealth of travel agency online stores at the tip of their fingers – or their mouse more specifically.

Pay. Lite.

Everything’s “lite” these days – sandwiches are fat free, sodas and beers have lite varieties. Now would merchants tell us how customers can benefit from all this ‘liteness’? Simple – with recurring billing! This service lets customers shop and pay staggered amounts (set by merchants of course – or sometimes by customers) at their convenience. Large purchases can be made easily(cha-ching! cha-ching!), thus leveraging impulse buying (for merchants).

Yes yes yes. Unbelievable indeed. Seeing it from the eyes of customers, you’d never know that your free merchant account – the one you had set up in 24 hours, charged you no application fees, no monthly fees, and provided the friendliest of customer support despite your unfriendly call – can benefit your customers in ways you never thought before. There are still so many unexplored ways for your customers to benefit, and this can only mean one thing for you: money. Lots of it.