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How To Accept Credit Cards Online
By: Developer Shed
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    How To Accept Credit Cards Online
    by Jim Edwards

    Anyone with an online business, whether for auctions,
    services, or virtually any type of product, has asked the
    same question at some time during their quest to create
    the ultimate online business - "How do I accept credit

    Since over 90% of all transactions on the Internet
    involve customers paying by credit card, accepting
    plastic money rates a must for almost any business.

    The problem for most small online business owners
    involves the high cost of setting up and maintaining a
    credit card merchant account.

    With startup fees ranging from $200 to $500, minimum
    monthly fees of at least $40 to $50, plus per transaction
    fees and a percentage of sales, most people who want to
    supplement their income online or test an idea can't risk
    that kind of money.

    Add in credit checks, 48-month service contracts,
    expensive equipment purchases or leasing, financial
    statements, and last 3 years' tax returns and most people
    throw up their hands and give up before they even get

    Fortunately several companies responded to this problem
    with unique solutions that enable smaller online
    merchants to accept credit cards at a fraction of those
    high startup costs with no long-term commitment, no
    equipment purchases, and zero minimum monthly fees.

    ~ ~

    PayPal has gotten some negative press over the last
    couple of years, but that press has been mostly

    PayPal makes it easy for you to collect money for your
    online sales, send money to merchants, bill people
    monthly, collect dues and donations and integrate a free
    shopping cart into your site.

    Of all the payment and money transfer services online,
    PayPal ranks as the absolute lowest in cost and the
    easiest to set up.

    PayPal allows merchants to sell physical and downloadable
    products along with personal services.

    ~ ~

    For a $50 one-time fee ClickBank enables online ebook,
    software and other electronic information sellers to not
    only accept credit cards, but provide instant delivery of
    their products to online purchasers.

    ClickBank allows any merchant to accept virtually every
    major credit card on the planet.

    The online merchant simply adds a purchase link to their
    site, the customer clicks the link, fills in their
    payment information and the credit card gets authorized
    on the spot.

    Once the card gets approved ClickBank redirects the buyer
    to a page that enables them to download the ebook,
    software, or other product they have just purchased.

    ClickBank also operates a fully integrated affiliate
    program that automatically pays affiliates who sell your
    products for you.

    ClickBank heavily restricts what merchants may sell
    through the service and does not allow the sale of
    physical goods.

    ~ ~

    Of the three, Paysystems behaves most like a traditional
    credit card merchant account.

    The service allows the merchant to integrate with a
    number of third-party shopping carts as well as use the
    PaySystems shopping cart system.

    Merchants pay a small transaction fee and a percentage of
    the sale, but don't sign up for any long-term service
    contracts or equipment leases.


    Jim Edwards is a syndicated newspaper columnist and the
    co-author of an amazing new ebook that will teach you how
    to use free articles to quickly drive thousands of
    targeted visitors to your website or affiliate links...

    Need MORE TRAFFIC to your website or affiliate links?
    "Turn Words Into Traffic" reveals the secrets for driving
    Thousands of NEW visitors to your website or affiliate
    links... without spending a dime on advertising!
    Click Here

    DISCLAIMER: The content provided in this article is not warranted or guaranteed by Developer Shed, Inc. The content provided is intended for entertainment and/or educational purposes in order to introduce to the reader key ideas, concepts, and/or product reviews. As such it is incumbent upon the reader to employ real-world tactics for security and implementation of best practices. We are not liable for any negative consequences that may result from implementing any information covered in our articles or tutorials. If this is a hardware review, it is not recommended to open and/or modify your hardware.

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