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Apply For A Credit Card Merchant Account Online
Who should apply for a credit card merchant account online? Why,
you should, of course, if you want to grow your business and
maximize sales volume! In this day and age, more and more
business functions are moving into cyberspace, which means...
Credit Building Strategies
IF you are attempting to build your credit there are many
strategies we can look at to help you get started. If you have
no credit, bad credit or good credit, building credit is
important since regardless of your situation, you do not want to
go...
How to establish credit as an immigrant
This article is about establishing credit. I learned it the hard
way.
Spring 1997. I had moved from Germany to the USA around
Christmas and enjoyed my first Southern Californian year. While
I browsed the www, I saw some ads for...
Requesting Payment Options to Repair Credit
When you are in debt the best solution for repairing your credit is to ask for extensions, or arrange payment plans. If you have student loans, you can call your loan officer and request deference on your payments.
If you are turned down on...
Useful Tips When Choosing Credit Cards
Chances are you have received your share of "pre-approved" credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept "before the offer expires." Before you accept, shop...
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Free Credit Card Processing For Business Owners
Would you like to upgrade your company's operations by taking
advantage of free credit card processing for business owners?
There has never been a better time to locate banks offering this
service and make the best possible deal for your interests.
Financial institutions are eager to work with you in opening a
merchant account, and they sometimes offer attractive incentives
to get entrepreneurs' business. If you like the idea of free
credit card processing, start shopping at your community banks
and credit unions to see what type of deals they can offer.
Free credit card processing for business owners is an attractive
perk, since some companies impose fees of perhaps 15 to 25 cents
per transaction or a monthly percentage fee overall of between
1% and 2%. Being able to get free credit card processing for
business owners could save you a significant sum of money each
month, and over time, those savings could increase even more.
Your customers will love the ease with which they can make
online credit card payments, and you will appreciate the
time-saving benefits of handling credit payments electronically
rather than by employees who require regular paychecks.
It is a good idea to sit down with your financial institution
and discuss the precise terms of the free credit card processing
for business owners deal. Will you have to pay an application
fee? Will annual membership fees come due each year? Are there
other embedded costs that you should know about up front? Even
if your credit card processing is free, other start-up expenses
could add up to cost even more than the transactions would. You
will want to make the best possible deal before
signing an
application or contract to be sure you don't get trapped into
paying unexpected high costs later.
Keep in mind that free credit card processing for business
owners may not be the best perk to ask for when applying for a
merchant account. In addition to start-up fees that could be
imposed and perhaps increased in lieu of the free credit card
processing option, you also may have to pay expenses like a
statement fee, a minimum fee, a discount fee, and a license fee.
These could add up initially to more than you will pay for
transaction fees. Even if the free credit card processing option
appears to save you money at first, is this a limited time
offer? When reinstated later, will transaction fees be difficult
to add to the company budget since you did not start the process
with them?
You might want to get a second opinion on weighing the benefits
offered with various merchant account deals. You could even ask
the customers via an informal survey about the type of credit
processing they are most interested in and then see how
promotional offers for opening a merchant account may impact
customer interests. Of course, you can always check out the
benefits of paying no transactions costs, and if permissible,
switch to another system later if costs increase more than
expected with free creditcard processing for business owners.
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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