How To Accept Credit Cards Without a Merchant Account

To increase sales on your website, you must accept credit cards. To process credit cards, you could apply for a merchant account through your bank or other financial institution.

Sometimes, though, you would be further ahead to use the services of a credit card processor. This is especially true when you are first starting out and have more limited resources. In this way, you may process credit card transactions without the high front-end costs and requirements of a merchant account.

Here, then, are just a few ways of accepting credit cards without a merchant account. I personally use all of these vendors and can recommend them wholeheartedly.

1. Clickbank

If your product is downloadable (such as electronic books or software), you might consider ClickBank.com . For a $49.95 initial fee, you can process credit cards and on-line cheques for $1.00 per transaction plus 7.5% of sales.

You receive additional exposure through free listing on their website and through the search facilities of other websites, such as CBMall.com .

As an added bonus, you have your own built-in affiliate program. You decide what commission (from 1% to 75%) you would like to pay your affiliates.

2. PayPal

PayPal.com has no initial fees. For just 2.9% of sales and $ .30 per transaction (and sometimes less), you can receive money from anyone.

Also, you can pay others by credit card or chequing account without supplying your personal credit information to the payee. PayPal can be used to collect money from your auctions, website sales, or even from friends or clients.

3. PaySystems

PaySystems.com can handle either intangible (downloadable) or tangible (shippable) products. For an initial fee of $49.00, you can accept all major credit cards as well as online checks. Fees are just 3.95% of sales and $1.00 per transaction. Alternatively, you may pay 5.5% of sales and $ .35 per transaction.

For this, you receive shopping cart, integration with third-party affiliate programs (such as ClixGalore.com ), fraud screening, multi-currency transactions, toll-free support, marketing tools, and more.

For more information on how to accept credit cards without a merchant account, visit: http://www.yenommarketinginc.com/creditcards.html

RESOURCE BOX:

J. Stephen Pope, President of Pope Consulting Inc., http://www.popeconsultinginc.com/ has been helping clients to earn maximum business profits for over twenty-five years.

For valuable Work at Home Small Business Ideas, visit http://www.yenommarketinginc.com/

---

Working With Drop Shippers

Drop Shippers, the manufacturers or distributors who are willing to... Read More

One Point Two Billion

In this surreal world of the internet, anyone, even you,... Read More

Expand Your Local Business Through the Internet

To obtain more local customers for your business, consider expanding... Read More

Web Store - Why Do You Need One?

Internet has opened a new era of business opportunities. Each... Read More

How To Stay Cutting Edge In Online Business

Let's face it, there's just way too much information out... Read More

Content Ever be Profitable?

THE CURRENT WORRIES1. Content SuppliersThe Ethos of Free ContentContent Suppliers... Read More

Credit Card Merchant Account Basics

Knowing which credit card merchant account to get can be... Read More

7 Key Steps To Reduce Refunds and Chargebacks

One sure-fire way to loosing out big time on your... Read More

E-marketplaces from Sellers Perspective

What is an E-marketplace anyway?E-marketplace is a business to business... Read More

Database: The Secret of Success

BENEFITS OF A DATABASEBy maintaining your list as a database,... Read More

Precautions Necessary for an Online Brokerage Business

Maybe no business requiring little or no capital pays as... Read More

Pitfalls of Doing Big International Brokerage Business Online

Nothing has helped international brokerage business more than the internet:... Read More

The Plain Man?s Guide to Making Money Online

I'm a plain man who uses plain thinking in devising... Read More

Online Payments Make It Easy For Your Customers To Buy

In the last column we discussed the process of credit... Read More

Do Your Online Brokerage Business With Zero Down

If you have little or no capital but you want... Read More

Are You Making These E-Commerce Excuses? (part 1)

A year ago, I had big plans to re-vamp my... Read More

Home Sweet Home Page

"Your home page is the world's introduction to you and... Read More

Simple Steps to Start a Profitable Member Only, Subscription Web Site

Having a successful member only, paid membership site is one... Read More

Google to Compete with PayPal?

PayPal is secure in its domination over the electronic payment... Read More

How to Gain Your Visitors Trust

If you are serious about selling on the world wide... Read More

Looking For Free Advertising, Here It Is!

There are lots of ways to advertise for free but... Read More

Your Readers are Publishers Too

Too often we charge ahead and treat the web as... Read More

Is It Easy to Build An E-commerce Web Site?

--Online Commerce--E-Commerce website is all about selling products and services... Read More

Online Consumers ? What Are They Complaining About?

For many businesses, e-commerce represents a tremendous method for generating... Read More

The Five Most Commonly Encountered, Off-putting E-commerce Errors

While getting less public handwringing than during holiday season, the... Read More