Online Credit Card Processing And Your Hard Earned Money

Credit card processing is very important in doing business online. Whether you are buying or selling, you require a reliable form for making or taking payments, a system you can trust to safe guard your hard earned money from internet thieves.

There are different modes of making and receiving payments online, but the favourite option for most online customers and sellers is the credit card, which necessitated the need for credit card processing companies, the very reason why people have overcome the fear of identity thieves.

Yes, in recent years, reliable credit card processing companies, also called payment gateways, have developed robust systems for receiving payments on behalf of clients 24/7 with minimal problems, providing a secured path between a customer's credit card account and the merchant account of an online business.

However, An online business should be careful while choosing a Credit Card Processing company as a payment gateway between it and its online customers, because business success online will greatly depend on the efficiency of their payment gateway companies.

In making a decision on which credit card processor to use, it is a first-rate strategy to utilize canvassing strategies, which comprises interviewing each credit processor so that only the best credit processor will be picked. Ask them about their fees, rates, and other special services that they provide their clients. Let them tell you why you should employ their services so that you can compare and choose the best amongst them.

The Online Buyer

The online buyer should also ensure that the credit card processor of the online business he or she intends to buy from is a reliable one on a secured server. The popular processing companies are usually the best.

Always reconcile your credit card account every month, the same way you would your bank account. Go over bills settled with your credit card and receipts, and query any charges for which you don't have a receipt or don't recognize.

Neshah writes for your success. He recommends Safe Online Credit Card Processing, the road map to making and receiving payments online and all the information you need to run your credit card without losses.

Minimize Your Credit Card Transactions - Process ACH Transactions for Your Business Instead

What types of payments does your business currently accept? You?re probably saying cash, checks and credit cards ? why what else is there? Well have you heard of or though about accepting ACH transactions? If you?re wondering what ACH is and how to do it, continue reading this article and you will learn how processing ACH transactions will save your company time, money and simplify your business.

The Automated Clearing House (ACH) is an electronic network for financial transactions. ACH processes large volumes of both credit and debit transactions which are originated in batches. Some of the most popular ACH payments include:

• Direct Deposit of payroll, Social Security and other government benefits, and tax refunds
• Direct Payment of consumer bills such as mortgages, loans, utility bills, insurance premiums, and other forms of online bills
• Business-to-business payments
• e-checks
• e-commerce payments
• Federal, state and local tax payments

Businesses are also increasingly using ACH to collect online payments from their customers, rather than accepting credit or debit cards. Now is the time to think about doing the same for your business. Over the next few years, ACH will become a popular method for businesses to accept payments from customers or make payments to vendors because it is much cheaper than the standard credit card transaction fees. As an example, let?s say you?re currently paying 2.5% and 15 cents per transaction to your credit card processing company. If your average ticket cost is $100, you would pay approximately $2.60 per each sale.

Now let?s say that you?ve implemented ACH for your business and you now accept e-checks and/or direct deposits from your customers. On the same $100 ticket item, you would pay anywhere from 20 ? 50 cents depending on your ACH processing company. That?s a cost savings of $2.10 per sale!

It gets even better than that ? let?s say your average transaction was $1000, surprisingly you would still pay the same 20 ? 50 cent fee. That?s the beauty of ACH - they do not care how large your transactions are.

You can also easily make payments to your vendors using your ACH solution. Simply add your vendors bank account/routing number, enter the payment amount, submit your batch and whalah? your vendor is paid. And it?s even cheaper and easier then sending a check in the mail!

There are many companies that offer ACH payment solutions but most are manual processes. If you?re looking for a fully automated ACH payment solution, Hudson Horizons has can integrate an ACH solution into your website or application in a matter of days. They can have you accepting real-time ACH transactions and saving your company time, money and streamlining your business. Their costs are extremely reasonable and the solution is fully automated. The last I heard, their costs are $15 per month and 39 cents per transaction.

So as you can see, ACH is definitely the way to go. You can potentially save your business hundreds, if not thousands of dollars every single month by integrating an ACH payment solution for your business.

At Hudson Horizons, we provide website design, development, content management, e-commerce integration, RSS content distribution, search engine optimization, e-marketing services and the development of custom applications such as blogs, newsletter systems, online ACH payment solutions and any other Web application that may be needed to help simplify your business.

Hudson Horizons is an e-business product, solution and marketing company specializing in creating highly sophisticated customized websites, web-based software applications and providing e-marketing and SEO services for small and mid-sized businesses.

Our vision and ultimate ambition as a company is to always strive to be "The New Light for e-Business." By offering new, innovative and extremely competitive products and solutions to our clients, we provide better ways to run and operate a business online.

6 Credit Cards That Your Credit Card Processor Should Accept

Nothing comes free in this world today, but to make it as convenient as possible more and more people are turning to credit cards for their choice of payment. Because of this, it is almost impossible to get by without a credit card processing system for your home business. All credit card processing software consists of different features and can handle various types of credit cards, which is why you have to research to find the most convenient system for you. Here are 6 different kinds of credit cards that you want to determine whether your software can handle.

1. Standard credit cards:

Pretty much every credit card processing system will be able to handle the basic standard credit cards. Credit cards that can fall under this category include low interest cards, balance transfer credit cards and reward program credit cards. All of the big name credit cards such as Visa and MasterCard are included in this group.

2. Cash back credit cards:

This is a unique type of credit card because of the fact that you can earn money by using it. The more times you use this kind of credit card, the more you will be rewarded. Rewards will vary, but it is common to see 5-10% cash back on purchases. Not all credit card processing software accept these cards, but some do.

3. Credit repair cards:

These are the cards that are for people with bad credit. It gives people a chance to still have a credit card but have debt consolidation and management. These are very popular to help build up people's credit history and can be accepted with many credit card processing systems.

4. Prepaid credit cards:

This is a form of debt card to help people stay within the amount they have in the bank. It protects people from credit card debt and allows them to stick within their budget, which is accepted by most credit card processors.

5. Business credit card:

The simplest way to put this kind of credit card is that it helps you keep your business finances and personal finances separate from each other. Almost all credit card processors will accept these kinds of cards as well.

6. Student credit card:

As you may have guessed, these cards are ideal for students are going off on their own for the first time and have no credit history. They will help protect students and stay within a budget without blowing away the little money they have.

As you can see, there is an array of different kinds of credit cards. If you want your business to have the best success, you have to be versatile and be capable of accepting multiple kinds of credit cards on your credit card processor. There is nothing worse than having to turn down business because you bought the wrong credit card processing software.

For more information about Jim Saka or to find out how your business can can benefit from accepting credit cards online or at a place of business visit United Bank Card's internet merchant services websites.

Credit Card Processing - Credit Card Factoring Solutions

Credit card processing is frequently one of the most problematic and overlooked issues for a business owner. An effective credit card factoring program can reduce many credit card processing problems by implementing appropriate cost-reduction strategies. Credit card factoring improvements can produce dual business benefits by both eliminating credit card processing problems and providing improved cash flow by enhanced management of business cash advance programs.

CREDIT CARD PROCESSING AND CREDIT CARD FACTORING SOLUTIONS: Reduce Credit Card Processing Costs Via the Credit Card Factoring and Business Cash Advance Process

As I noted in an earlier business loan article, for any business that accepts credit cards as a method of payment, a business cash advance (obtained through credit card factoring) is a critical working capital financing tool that is often overlooked. Even thriving businesses frequently need more working capital than they can borrow from a bank. However, what is typically even more overlooked by many business owners is the opportunity to reduce their credit card processing costs at the same time that they obtain a business cash advance via credit card factoring.

CREDIT CARD PROCESSING AND CREDIT CARD FACTORING SOLUTIONS: Key Problems to Avoid with Credit Card Factoring and Credit Card Processing

Credit card factoring is an important option to consider when a business is seeking short-term commercial loans, unsecured business loans and improved approaches to credit card processing services. Unfortunately there are a number of problems to be avoided with credit card processing and credit card factoring programs. As with any successful business financing strategy, there will typically be only a small number of commercial lenders who are effective at implementing the joint tasks of credit card processing and credit card factoring strategies properly.

Because of this, the prudent choice of an appropriate provider of credit card processing and credit card factoring is extremely important to any business owner that accepts credit cards. To help demonstrate which providers of credit card processing and credit card factoring to avoid, I have written an article which identifies ten key problems which should be avoided with credit card factoring and credit card processing.

CREDIT CARD PROCESSING AND CREDIT CARD FACTORING SOLUTIONS: How to Obtain The Best and Lowest-Cost Credit Card Processing Services

For business owners either unhappy with their current credit card processing services or simply wondering if cost improvements are viable, a credit card factoring program which eliminates all of the ten key problems noted above should be considered. One of the primary reasons for evaluating credit card processing and credit card factoring in this coordinated fashion is that the low-cost producers of the best business cash advance programs will almost certainly be using the best and lowest-cost producers of credit card processing services. In many cases, the best and lowest-cost providers of credit card processing are simply not available to the average business owner other than as part of a working capital management plan encompassing both credit card factoring and credit card processing.

CREDIT CARD PROCESSING AND CREDIT CARD FACTORING SOLUTIONS: Cost Reduction and Improved Cash Flow for Successful Working Capital Management

Business owners should not lose sight of the substantial total benefits which might accrue to their business by effectively combining credit card processing and credit card factoring services. As noted above, cost reduction and improved cash flow are primary goals of successful working capital management, and the proper coordination of credit card factoring and credit card processing should accomplish both of these difficult goals simultaneously.

Stephen Bush is the CEO of AEX Commercial Financing Group, LLC. Steve provides working capital loan and church financing assistance throughout the United States. Information about free online Business Financing Reports and a free online Commercial Real Estate Financing Course is available at select AEX Commercial Financing Group, LLC websites.

Ever Wonder How Credit Cards Are Made? - Manufacturing Credit Cards: Materials And Processes

The credit card is made of many plastic layers, laminated together. The center is commonly made from a plastic resin known as polyvinyl chloride acetate (PVCA). This resin is then mixed with other materials, such as dyes and plasticizers to give it the appropriate look and feel.

A variety of inks or dyes, in various colors, are also used for printing credit cards. These inks and dyes are especially made for use on plastic. Special magnetic ink is also available to print the magnetic stripe (magstripe) on the rear side of the card. The inks are made by dispersing metal oxide particles in the appropriate solvents. Card issuers, such as VISA, which have their own holograms, use additional special printing processes which are involved for cards, like VISA, with featured holograms.

The manufacturing of the credit card takes place in the following steps:

1. Plastic compounding and molding: The plastic for the core sheet is made my melting PVCA with other materials. This molten mixture is put in the appropriate molding equipment, and is flattened to the right thickness by passing it through rollers. This sheet is then allowed to cool down.

2. Printing: Each card sheet is then printed with text as well as graphics. Silk screening and magnetic ink printing are the processes used. The magnetic strip can also be created using hot stamping. Magnetic heads are used to code and decode the iron particles in the strip, so that relevant information can be stored in them. However, the magnetic particles can only be useful if they are on the surface of the card, therefore this step is performed after the lamination.

3. Lamination: Essentially, lamination protects the card, and improves its strength. Lamination is done on both sides of the card.

4. Cutting and Embossing: After lamination, each sheet is cut into a set of cards. Each sheet gives a yield of around 63 cards. The sheet is first cut into seven sections longitudinally, and then each of the seven sections is cut into nine cards. Each card is now a separate credit card, and will be embossed with account numbers, and other information. The cards are now ready for shipment to the cardholders! Each card has to be of the premium quality. Customers cannot be given cards which will break or be damaged after a certain period of time. Key quality issues are linked with the compounding of plastic and color matching of the inks. The American National Standards Institute has a standard for plastic raw materials (ANSI specification x4.16-1973). Ingredients have to be correctly weighed, mixed and blended under the proper temperatures and other manufacturing conditions. Similarly, the molding process must be scrutinized to avoid flaws and defects, which could cause the cards to crack or rupture. The final quality check is to make sure the right numbers are stamped on the cards through the embossing process.

The many evolving technologies in this area will help create the credit cards with better quality and make them more cost effective in terms of manufacturing. New generations of credit cards might carry integrated computer chips, containing a variety of valuable information, making the card more useful, as well as secure.

Richard Gilliland Provides Expert opinions and reviews to help you Compare and Apply for a Credit Card - Compare Credit Card Offers with Credit-Wisdom.com - Unraveling the best in credit cards.

Requirement of a Credit Card Processing Service in Business

Today more and more people are using the Internet and the number of older users is increasing fast. The internet is becoming an important source of news and information. With the popularity and widespread usage of Internet, the popularity of ecommerce business is also spreading like a wildfire.

To get by any ecommerce business or online business or set up retail storefront successfully, Internet credit card processing service plays a very important role. If your ecommerce business is still not laced with Online Merchant Account or credit card merchant services, consider getting one without wasting any more precious seconds. Only then you will conduct online ecommerce business successfully. Because Internet credit card processing service is the best way to process clients? payment online.

First of all we discuss about what online merchant credit card services are and how It work? An online merchant credit card services is a service that facilitates you to make payments or accept payments online for you. Online credit card merchant services work through online merchant account that is provided by a bank. These services allow you to make or receive credit card payments through Internet. Being laced with merchant Solutions services can be extremely beneficial and fruitful to your ecommerce business because it allows your visitors and customers to easily make payments.

Now we discuss about what Internet credit card processing is? It is a process of getting the authorization of a credit purchase when ordering online. Generally Internet credit card processing requires three components ? a payment gateway, an online merchant account and a credit card processing company. On the type of online merchant account it may also require various equipments such as; credit card machines, computers, hypercom terminal, pin pad and related software.

Now we describe in brief about merchant credit card services provider and choosing a reliable service provider. There are a number of merchant credit card services providers in the market. But you ought to take precautions before selecting one of them. Accepting credit cards can be risky and can you make suffering with paying high priced services on Credit card receivables terminal that your business does not in need of, and force to pay high monthly fees if precautions are not observed in choosing a reliable Internet credit card processing services provider.

A reliable Internet credit card payment processing service provider that is versatile in nature can assist your ecommerce businesses in increasing their sales. It offers security protection by using modern technology and assures you and your clients to be tension free for the duration of the transaction and when the credit card information is being processed. By hiring a good service provider you can accept all forms of payments and accept credit card anywhere and anytime. At last we want to say the always go with a good merchant solutions provider and appropriate equipments and related software.

Michael Braganza is an eminent analyst and writer in Software and Technology related topics. He has authored many books on Technology and Online Merchant Account Services like Merchant credit card services Now he is rendering his services to http://www.themerchantsolutions.com/

The Safe Practice Of Online Credit Card Processing To Collect Fees For Events And Conferences

The safe practice of online credit card processing: 3 things event planners and their attendees should look for.

It's fair to say that chasing up payments is on the list of life's most tedious and time consuming tasks. The advent of online credit card processing (instant transactions), has somewhat alleviated this for event organizers who use it as a benefit of online registration. Credit card use however, already carries its fair share of anxieties and asking people to hand over their digits online... even more so.

The good news is that there are three simple things event organizers and those paying for anything online with a credit card can look for that signal safe practice.

1. Technical talk:

There should be a SSL (Secure Socket Layer) certificate installed on the server where credit card information is being gathered. This signals a secure connection between the webpage where you are entering your details (data) and the server. Look for:

• The letter s after the http in the browser address, i.e. https://www/.
• A lock or key icon in your browser. If you double click on this it should bring up the security certificate details.

2. An out: People breath easier and feel more comfortable committing to something if they can see a way out. The important thing here, for both event organizers and those handing over their money is that these conditions are clearly defined in print. This will help avoid disputes further down the track. Include on your registration form:

• Whether full of partial refunds are permitted and if so the dates that apply. It's a good idea to ask that these requests be made in writing.
• Make clear any fees that will be charged for the above, bearing in mind that the processing fee on a credit card transaction cannot be recouped and will need to absorbed by someone.
• Flexibility, in offering alternatives to people who have paid for an event and can no longer attend (in lieu of a refund), such as being able to transfer their place to someone else or being given a credit to attend a later event free of charge (within a stipulated time).
• Keep your policy wording simple, professional and kind, so as to avoid frightening anyone into not registering.

3. Human contact: The best way to alleviate concerns people have about paying with their credit cards online is to include the name, phone number and email address of the event organizer or person to contact if they have questions, changes or concerns.

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