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Product Description
Finally, credit card processing explained from the business owner’s perspective!
The first book from the series, The Savvy Business Owner’s Guide, Navigating Through the Risks of Credit Card Processing explores the terms, pricing structures, contracts, and the basics of credit card processing. Discussions on fraud, error prevention, sales agents, processing needs, and what Congress and state legislatures need to do when it comes to credit card proce… More >>

Navigating Through the Risks of Credit Card Processing

A home business merchant account might be out there waiting for you, whether you realize it or not. Many people find themselves satisfied with their progress, and feel that they don’t need a professional merchant account service because they are doing fine. Chances are, when you started a business, you didn’t dream of the days when you would do ‘fine’. You probably dreamed of the days that you would be successful and go above and beyond the call of duty to get customers to your business. If you want to achieve that dream of success in your home business, a merchant account might be the next step.

Some people might think they don’t need this type of account because they’re not planning on having a huge empire. However, your intentions don’t matter, because offering your customers a more effective and convenient payment method is just good business sense. The success that will come with this change in your business will happen on its own. All you have to do is find a business merchant account provider that will meet your needs and start an account. Once it is setup, the rest will take care of itself. Finding the account that works for you might prove to be somewhat challenging simply because there are so many companies to choose from.

As an offline business, accepting cash or check payments might be working for your business. However, accepting credit cards through a business merchant account can only serve to enhance your business. Perhaps you’ve looked into the option and feel that it’s too expensive for your means. However, if you think about the fact that the extra $200 or $300 per month in expenses might bring you an extra $1000 in sales or more, you’ll quickly see that it’s worth it. If you’re not sure whether your home business will benefit from credit card acceptance, ask around. Do a survey of your current customers and people that you know, and find out how credit card acceptance would affect your business. The chances are high that people will find your business more convenient and accessible with the option to pay by credit card.

Once you have a business merchant account for your home business, you’ll easily see that there are many more benefits than you thought. For starters, you’ll be able to set up a website for your business, which you can attach to your merchant account and use to generate more business for your company. You don’t have to have dreams of being the next big thing to justify having a merchant account. You simply have to understand that more sales and profits will be generated when you have a merchant account, which can help any business, no matter how small.

I am starting my own online business and need to accept credit cards. I have looked at the services that paypal web payments standard have and like them. However i need to know if i have to have a merchant account or can i just use my own/business’s account ?

As an online merchant you can benefit a lot by signing up for a merchant account. Merchant accounts have helped business owners earn substantial profit. Other than financial returns, there are a countless other benefits that accrues to a businessman with merchant accounts. By signing up with Advanced Merchant Services you will get a number of other benefits. Let’s discuss a few of these benefits.

Firstly, by signing for a flexible merchant account you will be in a position to offer your customers with a variety of payment options. Your customers will be able to pay you with credit and debit cards from Visa, MasterCard, American Express, Discover and many others. Merchant accounts will enable you gain a significant amount of profit thereby helping you to increase your bottom line. With the advent of the Internet age, most customers shopping online will naturally revert to suppliers who can offer them the most convenient payment options. This will help your business in many ways. Not only, will your profits experience sizable boost, but also your satisfied customers will recommend your web-based business to others. Word-of-mouth advertising is not only free but it’s so far the most effective form of advertising.

Merchant accounts, allow business people make their customers feel totally secure while making their purchases. A huge number of people shirk away from making purchases online, because they are wary of divulging personal financial details like credit card numbers. A merchant account is an undisputed stamp of reliability that goes a long way in helping you to attract the suspicious section of the population. A merchant account also helps you keep a better track of your business. By signing up for a merchant account you will receive a detailed monthly statement of all your financial transactions. Such transactions are invaluable during the taxation period. With all your statements ready at hand you can easily determine your taxes and make the job of your accountant that much easier.

Advanced Merchant Services deal directly with processing banks in order to lower the costs for our customers. We don’t use agents and middlemen like other merchant service providers and are directly linked to all our clients. This allows us to offer the lowest rates to all our clients. Advanced Merchant services also pride its ability of getting qualified merchant accounts within twenty four hours for its clients. It couldn’t be easier to apply for an AMS merchant account.

I am looking to start my own travel agency online, through yahoo small business i need to get a merchant account. Will it hard to get one from first data?