If you have a registered business and wish to accept credit cards (Visa, MasterCard, etc.) you need to contact companies like them to establish the merchant account with a bank for you. They also typically provide the software or credit card machine necessary to process the credit cards at your location or through your website.
I am planning on starting my own business and operating a kiosk at a mall setting. This is my first time starting a business and would like to know how to choose a merchant services provider so that i can accept credit/debit cards at my business. Any help is appreciated.
Normally your bank can with your corporate account. Bank of America charges a transaction fee of over 2.48 %+ on all transactions. Depending on what your business is, you may wish to visit http://ishopbuz.com, and click through Maverick Money Makers and LinkShare where you will have access to over 5000 fine merchants to sell products for: while earning commissions from sales generated from your business and/or Web site. You may also go to http://www.CCR.gov and register your company as a contractor (no charge) where government employees can make purchases from small businesses under $100,000., and, $5,000. (without having to have a requisition with their government credit cards online), which is accessed through your business phone/DSL line. FirstData.com may also assist you. I hope this helps you.
I just curious to know, if not, how should I move the bed into my home? How much do I need to pay? (Bay Area)
If I buy from IKEA (East Palo Alto)
Free Delivery and Installation – Are You Getting What You Paid for?
http://www.stlbeds.com/articles/2008/03/03/free-delivery-and-installation-are-you-getting-what-you-paid-for/
The answer is yes. I do not think the old saying “you don’t get nothing for nothing but nothing” applies in the case of the furniture industry, customers could very well be getting what they paid for and a whole lot more when it comes to delivery.
I dont trust paypal, i have bad experience with them even though their comission was reasonably low.
Do you want good, or do you want cheap……?
There are a whole host of ‘good’ providers out there, but they all offer a wide range of stuff for their charges. You need to shop around for what works for the specifics of your business.
I have taken on a new contract job that will require me to accept credit card payments online or over the phone. I absolutely -can not- afford to lose this job offer as I have already invested a lot of time and money in attaining it and preparing for it.
The developer I am working with had recommended ProPay as a merchant service because they base most of their instructions on the use of ProPay. I went ahead and made an account there, but when I went to process my first orders I had found that the service had been manually cut off. No direct reasons were given, but I suspect it is because someone went and ran a manual personal credit check on me.
I have a credit score of 600, due to a series of unfortunate events where my family decided to abuse my generosity. 
Of course, you can not explain this hard-lesson-learned to banks.
This said, does anyone have any suggestions for a merchant account service that I can use that will accept me without a credit check or with a score like mine?
It needs to be newbie-friendly, as I have never had to accept payments before or have an account. It also should allow me to send invoices and allow customers to pay directly online; there should not be a very low cap on the monthly transactions, because I do anticipate a large number of sales. I can pay for any fees, so long as they are not predatory and rediculous.
With your poor credit the only choice that meets your criteria is Paypal. They don’t do credit checks and have an easy interface to use. They also allow you to send invoices and receive payments online.
My merchant service is bank of america and My credit card machine is not working because they tell me they need to download a program but I have to have an analog phone service .In America nobody use analog phone service.Stupid merchant service doesnt help me.I asked them maybe that I can send the machine to them and they can fix but they dont do that too.I am going crazy .Please help me!What I can do or to where I can make a complain about them
I am not asking or analyzing analog phone service which I couldnt get anyway in NY.Joe r are you trying protect these companies or answering my question.I am trying to find a solution for my merchant machine.I dont need to explain all the trouble they gave me but I deal with them everyday so do not try make me look bad here ok.
what are you talking about in america nobody uses analog phone service??
sure VoIP is gaining popularity with consumers across the country, but there are still plenty of POTS (plain old telephone service) lines – which are just normal landlines, which are analog…
most businesses that have a credit card machine, fax, dial up modem, ATM machine, alarm system etc… should have at least one (analog) landline phone line for such uses….
what could you possibly complain about? that the telephone network has been around for over 100 years, and 100% of the population have access to reasonable priced service to this network, but because you moved your business over to some VoIP service, and did not leave any analog lines in your business for fax or credit card machines that it is somehow the responsibility, or problem of your merchant banker?
EDIT: you are saying that you can not get analog phone service in the US… or NY… analog phone service is regular landline telephone service… i still do 8-10 repairs on landline phone lines every day in NY… so I do not understand how you claim that analog phone service is not available in NY… all home/business phone service is analog except for VoIP…
i’m getting a website made and need some help with a back-end provider that can handle checkout, payment, etc.. any good ones?
You can apply to your bank for your own merchant account. They will have software for your website.
Alternatively, you can join with a free third party merchant account service for such as paypal. There are lots of ways to set up payment options.
I approved a charge on my credit card by telephone for my adult son at a dentist. The dentist then charged a second separate visit for additional work without asking me for approval. I am fighting this, but my credit card company is not helping much. Do I have recourse?
The dentist should have a signed authorization. Have them produce it. If they can’t then challenge the charges on that basis. Fill out the credit card company’s dispute form (it’s very important that this be done so there is a written record). You do not have to pay disputed charges until the matter is resolved.
I approved a charge on my credit card by telephone for my adult son at a dentist. The dentist then charged a second separate visit for additional work without asking me for approval. I am fighting this, but my credit card company is not helping much. Do I have recourse?
The dentist should have a signed authorization. Have them produce it. If they can’t then challenge the charges on that basis. Fill out the credit card company’s dispute form (it’s very important that this be done so there is a written record). You do not have to pay disputed charges until the matter is resolved.
I called Paypal, securepay, and merchant warehouse and they all say one thing on the phone but say nothing when I ask them about the thousands of customers and sellers that’s been screwed by theses companies. For example I read about them from (ripoff report.com, paypal sucks, BBB). Is there a legit merchant transaction service out there?
I’ve used paypal for years and I haven’t had any problems with it. Once I had a fraudulent ebay transaction and paypal returned all my money back …