Online Merchant Account Articles

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Take-Payments-Online
Ecommerce site explains different aspects of taking orders online, including merchant accounts.

Introduction

There are a seemingly infinite number of choices and solutions to enabling a Web site for ecommerce (i.e. taking credit card and other online payments). Choices range from totally "do it yourself" ecommerce options to turnkey packages.

Ecommerce Web sites can be designed to accept payments in one of two ways:

Solution 1: Take online payments via your own Internet merchant account.

Solution 2: Accept credit cards online through a third party payment processor.

Articles on the site explain in more detail.
Category: Articles (Merchant Accounts)

Internet Merchant Account: Online Payment System For Credit Card Processing
An Internet Merchant Account is an account through an acquiring bank (or acquirer) that lets you accept payments online. The article explains merchant accounts in detail.

Introduction

Typically, Internet merchant accounts are provided through an acquiring bank (or acquirer) that lets you accept credit cards, and sometimes other types of payments, online. As is the case with any business decision, there are advantages and disadvantages to online payment systems and other types of credit card processors.

In general, advantages tend to revolve around having direct control of the payment processing system. Disadvantages tend to revolve around mechanics, security, and logistics of being responsible for the entire payment process.
Category: Articles (Merchant Accounts)

HOW to Get a Merchant Account in Canada (Part 1)
Article explains the difficulty author had while trying to get a merchant account in Canada. Part 1 explains the author's experience trying to get a merchant account at her local bank.

Introduction

Scenario: You finally have gained traffic to your website:

1) You’ve captured your website visitors attention
2) You’ve generated an interest for your product and created desire
3) Now you want to close the sale -- Immediately!!

The Problem: Without credit card acceptance you can't close the sale immediately! The customer must:

• Record exactly what it is that they want to purchase
• Type this out in a detailed email, or
• Get offline to free their telephone line
• Call you to order the desired goods or services over the phone, or,
• Worst case scenario: Write a check, find an envelope & stamp, and walk to the mailbox.
Category: Articles (Merchant Accounts)

HOW to Get a Merchant Account in Canada. Part 2
Article explains the difficulty author had while trying to get a merchant account in Canada. Part 2 explores options to the local bank for securing an Internet merchant account.

Introduction

There are alternatives to the Bank: PayPal

This is the easiest way to get a merchant account online and most likely the cheapest if you just have a small product line. They will even let you sell in Canadian funds and deposit right into your Canadian bank account. They’ve been around for years and you know if E-bay uses them, they must be trustworthy and reliable. We use paypal on a few of our sites.

Other Canadian merchant account companies are discussed as well.
Category: Articles (Merchant Accounts)

Credit Card Articles
A variety of credit card related ecommerce articles. Topics include:

Credit Card Processing Fees
Overview of Options
ECommerce Website Design and Hosting
Internet Merchant Accounts
Online Merchant Account Pitfalls
Credit Card Merchant Account Questions
Accepting Credit Cards Online Through an Online Payment Processor
Category: Articles (Merchant Accounts)

Ecommerce Solution Articles
Articles explaining various ecommerce solutions. These include:

Accept Payments Online - An ECommerce Overview
7 Questions To Ask A Potential ECommerce Merchant Account Provider
Online Merchant Account Pitfalls
More Detailed ECommerce Solutions Information
Category: Articles (Merchant Accounts)

Accept Payments Online
Article explains different ways to accept online payments. Covers accepting payments online through third party processors and an Internet merchant account.
Category: Articles (Merchant Accounts)

Finding The Right Ecommerce Providers
Ecommerce is one of the most confusing and potentially costly components of doing business online. Here are five tips to help you avoid costly ecommerce mistakes.

As an editorial side note, the first tip - choose a complete provider (one that will both design and host your site) - may or may not be appropriate for your particular situation. Although I agree wholeheartedly that technical integration issues may be reduced, there are other considerations as well. Design and hosting are two very different skills, one largely creative, the other highly technical. An alternate solution would be to choose a host first, then hire a Web designer to create your site around the host's technical capabilities.

Introduction

Today a million companies will tell you how great a job they will do designing your website.

Another million companies will tell you how great a job they will do hosting your website.

So what does a business owner really need to look for when choosing a company(s) to get started doing business online?

5 Important tips for choosing the right ecommerce provider...
Category: Articles (Merchant Accounts)

Credit Card Processing Fees Associated with a Merchant Account
Article explains the types of fees associated with an online merchant account and describes each.

Introduction

Accepting credit cards online via a merchant account puts you in control and limits your reliance on outside payment acceptance services. Getting set up to process payments online through a merchant account, however, can also seem like a puzzle of credit card processing fees.

Besides an Internet merchant account, you will also need a shopping cart, a store or site host, a processor, and a secure payment gateway.

Each service is likely to add to your credit card processing fees. How those fees are structured will depend on how you fit your merchant account puzzle together. On one end of the spectrum, you can choose each provider individually, which can result in multiple small credit card processing fees to different service providers.
Category: Articles (Merchant Accounts)

Online Merchant Account Pitfalls
Article details difficulties the author had with a specific Internet merchant account provider.

Introduction

Recently, I went looking for an online merchant account. My mission was two-fold:

1. Open a merchant account for myself and
2. research options for my new ecommerce Web site solutions information site, Take-Payments-Online.com.

After some research, I thought I'd found an attractive online merchant account offered through a reputable reseller. I learned the hard way about a pitfall I hadn't anticipated.

My Online Merchant Account Experience...
Category: Articles (Merchant Accounts)

7 Questions to Ask a Potential ECommerce Merchant Account Provider
This article suggests some questions to ask when you are shopping for an Internet merchant account provider and before signing a contract agreement.

Introduction

Recently I went looking for an online merchant account, with disastrous results. I made the mistake of taking information at face value and relying on the ecommerce merchant account provider's good reputation in other areas.

Fortunately, I came out of the experience with a list of recommended questions to ask a potential ecommerce merchant account provider.

Questions for a Potential Ecommerce Merchant Account Provider...
Category: Articles (Merchant Accounts)

Identity Theft and Ecommerce
With the recent credit card security breach, there is a heightened interest in security measures related to credit card payments. Robert Fleming, president of the eMarketing Association, explains his views.

Introduction

We have been hearing a lot lately about identity theft. Recently, CardSystems, an Atlanta based credit card processor, exposed 40 Visa, Discover, MasterCard and American Express card numbers and security codes to hackers. A recent statistic from Gartner Group speculates that fewer than 1 in 700 identity crimes lead to a conviction. Recent estimates go as high as $56 Billion in identity theft losses. A national publication reported that 60 percent of consumers are unwilling to shop online due to identity theft concerns.

Obviously there is a problem here that concerns all of us.
Category: Articles (Merchant Accounts)

Online Merchant Account Articles

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