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12 Credit Safety Tips - Credit Watch
Credit Advice and Credit Tips for Shopping Safely. Credit Card Safety. How to keep your spirits bright and your wallet full during the holiday season and others. Whether you are celebrating Christmas, Eid, Hanukkah, Kwanzaa or just living life...
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Best Credit Card Processing Rates
Everyone goes into business to make money, so why spend more of
your profits on expensive transaction fees, Website maintenance,
service agreements and high credit card processing rates? When
you take time to shop for the best deals, you can save quite a
bit of money that can be used to good purpose in other parts of
your business. Start shopping for the best credit card
processing rates and open a merchant account.
You will first need to find a reputable bank or credit union
that will agree to extend a merchant account to you for this
purpose. To get approved, you will need a solid credit history,
a reasonable business plan, and documentation to show that you
are able to manage the costs associated with credit card
processing rates. Typically, these include an installation fee
for credit card processing equipment, a monthly gateway fee for
your financial host, a transaction fee of a few cents per each
or an overall percentage total each month. You also may be
offered Website service that will entail a hosting fee, a
service contract cost, and a designer's or updating service fee.
Be sure to carefully read the terms of any contract that you
receive. Never sign something that you don't understand or with
which you cannot completely agree. Your company may have to pay
for a monthly minimum up to a certain number of transactions,
after which the balance for that month do not require additional
fees.
Credit card processing rates can vary by company or by processor
program. Some companies charge no installation fee, while others
require a one-time cost of a few hundred dollars, depending on
the program's complexity. You may have to pay between 15 and 25
cents per transaction, or you could opt to pay a monthly
percentage for the entire amount of business generated by your
credit card
processing unit; this amount often falls below 2%.
It is always a good idea to compare rates among competing
financial institutions. If you really like the services offered
by one merchant account company but prefer the lower rates of a
second company, tell the first one about the competitor's lower
rates, and perhaps the first company will meet or beat the lower
cost in order to get your business. At first, you may want to
keep the customer's interests in mind when shopping for credit
card processing rates. In other words, passing on the savings of
a particular program to your customers will keep them coming
back to do business with you. If your rates are too high or not
competitive enough, they may decide to take their business
elsewhere.
As you plan to set up your new credit card processing service
rates, it may help to let them know in advance that this program
is coming so they can prepare and perhaps even help to get the
word out to other potential customers. Then, after installing
your new credit card processor, you should not hear complaints
that anyone was blindsided or treated unfairly. If someone does
complain, politely remind them of the earlier notices.
When you are ready to start processing credit card payments,
don't be tempted to go for the option with the most features or
the most sophisticated set-up. Opt for a system that will best
suit your company needs and your customers' interests, as well
as offering the best credit card processing rates.
About the author:
Shane Penrod is the founder of Merchant-Acount-Quotes.com
Specializing in allowing merchants the ability to shop and
compare multiple quotes from national merchant account
providers. For free quotes on merchant account rates and fees,
please go to http://www.merchant-account-quotes.com
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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