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Choosing the right credit card payment processing service
According to charge-it-now.com, one must choose a payment
processing service, only after evaluating ones needs. For that,
we have two types' payment services for credit card processing.
Those are manual payment processing and real time payment
processing. The process where the credit card number is
submitted through the phone is processing manually. This is done
either by contacting the payment processing company to verify
the validity of the card or by keying the card manually at the
sales terminal. The expenses stated will vary between different
Merchant Accounts provider. Number of companies has entered the
Merchant Services market as a one stop e-commerce solution. The
companies offer you the chance to accept credit cards and sell
your goods/service world wide in a matter of days. Although this
claim is possible, it is highly improbable. You will need to
apply to your bank for an Internet Merchant account (even if you
have a current Merchant account for mail order). If you do
obtain the authorization to trade on the Internet you may find
the cost prohibitive to your profit margins. The company
offering the one stop solution may charge you 2-4% of each deal,
with a set up fee of some amount. The Merchant Services will
also charge 2-3% per deal, again with a set up fee if you do not
bank with their bank.
Manual processing can be time consuming but is relatively risk
free due to complete control of the merchant during the entire
process. The payment processing time taken will be more then
what real time payment processing will take. Real time
processing is basically an automated process, where the credit
card is automatically processed once the customer submits the
number. As soon as the credit card is authorized the funds are
transferred from the customers account to the retailers account.
Real time payment processing is quick and is ideal for
businesses where a large number of transactions take place
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