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Credit Help for Buying Houses: 14 Common Credit Mistakes
Get the credit you need to buy real estate. Qualifying for a real estate purchase requires different credit than automobile financing or retail credit. If you plan to finance real estate, either as a home buyer or as an investor, these credit...
Credit Report and Credit Scores
The information on your credit report can greatly affect the interest rate and your ability to obtain a loan. So it’s very important to check your credit report early, even if you are not quite ready to buy a house just yet. There are 3 major...
How to Stop Getting Credit Card Offers
Are you getting sick and tired of all the credit card offers that magically appear in your mailbox? Well, you aren’t the only one. Part of the reason why you are receiving so many of late is because the Fair Credit Reporting Act (FCRA) was changed...
Protecting Your Business From Credit Card Fraud
Credit cards are used as forms of payments now more than ever. There are also more online businesses and most of these businesses accept credit card payments. Therefore, protecting your online business from credit card fraud is vital. For businesses...
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...
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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
In the original edition of this article, I recommended
PaySystems.com (also known
as MyPaySystems.com). This is what I
wrote about them:
"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."
Unfortunately, PaySystems.com has discontinued their "Internet
Billing Account" for those outside the United States.
4. 2CheckOut
2CheckOut.com can handle both intangible and tangible products.
For an initial fee of $49.00, you can accept all major credit
cards as well as online checks. Fees are just 5.5% of sales and
$0.45 per transaction.
For this, you receive shopping cart, fraud detection,
integration with third-party affiliate programs, multi-currency
transactions, free on-line support, and more.
Incidentally, 2CheckOut.com has the same policy as ClickBank.com
does with regard to sales taxes. Both companies take the
position that you are selling your product to them and that they
resell it to the final consumer. Thus, they claim that you are
not subject to sales taxes on those sales.
About the author:
J. Stephen Pope, President of Pope Consulting Inc., has been
helping clients to earn maximum business profits for over
twenty-five years. To learn more about accepting credit cards
and other profitable Work at Home Small Business Ideas, visit
http://www.yenommarketinginc.com/creditcards.html
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| en.wikipedia.org |
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| The Credit Card Prank |
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| Credit magazine, corporate bonds, derivatives, structured credit ... |
| Credit magazine provides information on the international credit markets for credit investors, issuers and market professionals. |
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| CUNA: The Credit Union National Association |
| News and resource directory about credit unions. |
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| Credit/Debt Management - Tools and Advice for Managing Credit and Debt |
| Drowning in debt? Trying to improve your credit score? This is the place for you. Get real world information and tips, as well as the legal low down, ... |
| credit.about.com |
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