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Click to view justine234's profile Start-up justine234 2 posts since
Nov 9, 2008
15. Re: Small Business looking to start accepting Credit Cards Nov 9, 2008 10:32 AM
in response to: amspcs
I need help in merchant account, i do not have a website right now and i have been doing business over phone and face to face. i wanted a merchant account or a bank service that will enable my customer to make payment with thier checking account details to me how possible since i dont have a website.
Click to view John_6x6's profile Mogul John_6x6 37 posts since
Jul 20, 2008
16. Re: Small Business looking to start accepting Credit Cards Nov 9, 2008 10:40 AM
in response to: justine234
Hi justine234,

The person to speak to is Barry Godofsky of http://www.MerchantServices-help.com. He is the guru of this stuff and great with educating business owners on the ins and outs of payment processing. I use him personally.

Here's a link to some of his articles on this forum so you can get an idea of his expertise:
http://smallbusinessonlinecommunity.bankofamerica.com/blogs/merchantServices/2008/07/23/credit-card-processing-for-business
http://smallbusinessonlinecommunity.bankofamerica.com/blogs/merchantServices/2008/10/03/ten-ways-to-reduce-your-cost-of-accepting-credit-cards
Hope this helps.
Click to view MotherFund's profile Mogul MotherFund 6 posts since
Nov 10, 2008
17. Re: Small Business looking to start accepting Credit Cards Nov 10, 2008 12:20 PM

We would be glad to work up a proposal for you. I believe we can provide the lowest rates around for CC Processing!

Jeff / Mother Fund
866-923-6710 ext 215
Click to view intechspecial's profile Mogul intechspecial 1,458 posts since
Jan 6, 2008
18. Re: Small Business looking to start accepting Credit Cards Nov 23, 2008 2:13 AM
in response to: John_6x6
I agree completely.

The upside to paypal is that for some small businesses they do not have the financing for to pay for hardcoding.

Of course it is more secure and a much better option for a medium of big business, but for a business that is only needing to sale a few things online, and not a full eccomerce package is is a viable and cost-effective solution.

I have actually found that more people trust paypal and not once have I heard anyone say to one of my customers would not do business with them because they utilize paypal.

A small Mom & Pop shop is more personable and all that do business with them trust they are honest, and usually do not need the same level of security.
Click to view amspcs's profile Mogul amspcs 574 posts since
Oct 18, 2007
19. Re: Small Business looking to start accepting Credit Cards Nov 23, 2008 11:39 AM
in response to: intechspecial
Intech,

I enjoy reading your posts and of course respect your opinions. I do have a couple of qualms with your most recent post regarding credit card acceptance. I'll respond one-at-a-time:

Re: +"I have actually found that more people trust paypal and not once have I
heard anyone say to one of my customers would not do business with them
because they utilize paypal."+ While I wholeheartedly agree Paypal makes tons more sense than a traditional merchant account for many very small businesses+,+ the thought that more people trust Paypal security more than a traditional account borders is ridiculous. The opposite is true by a landslide--Paypal security issues and shortcomings are common knowledge. Also, in most if not all cases, a potential or lost customer would never communicate or verbalize that he/she refused to do business with a merchant because the merchant accepted Paypal+,+ so the merchant would never know. The customer just walks away and the merchant never knows. So the fact that you've 'never heard' of such a situation is not surprising.

Re: "A +small Mom & Pop shop is more personable and all that do business
with them trust they are honest, and usually do not need the same level
of security"+--you are entirely missing the point about security of ecommerce transactions. The security issue and risk involved has little to do with the merchant, it has to do with the security of the entity doing the processing over the internet; in other words, the risk is in exposing confidential personal and credit card data over the vast intenet during the process of authorization
and transaction transmission. Prying eyes have a much earier task in stealing data off of a poorly securied or unsecured processing system which is easily accessed by virtually anyone, Paypal being a prime example.

AMSPCS
Click to view BuyTime's profile Professional BuyTime 3 posts since
Jan 13, 2009
20. Re: Small Business looking to start accepting Credit Cards Jan 13, 2009 6:49 PM
in response to: amspcs
I'm a small startup as well and I found an organization called Charge.com. They seem to have the best rates thus far.They offering the following services:
-Free merchant account application
-Free setup fee
-Free internet credit card processing software
-Free checks by phone, web, and fax
-Free web shopping cart
-Free programming software
-Free shipping and handling
-Free American Express Setup
-24/7 Tech Support
-$10 monthly customer service fee
-$16.95 monthly internet processing software gateway

Hope this information helps!
Click to view AdvanceFunds's profile Authority AdvanceFunds 3 posts since
Jan 27, 2009
21. Re: Small Business looking to start accepting Credit Cards Jan 27, 2009 4:31 PM
We offer free Terminals to ANY retail businesses please contact us at www.AdvanceFundsNetwork.com
Click to view markarenos's profile Start-up markarenos 1 posts since
Jan 28, 2009
22. Re: Small Business looking to start accepting Credit Cards Jan 28, 2009 8:10 AM
in response to: AdvanceFunds
Its really high time for businesses to start accepting credit cards because companies that accepts this kind of payments can cut down on their level of accounts receivable by making it easier for costumers to pay. Likewise, companies that accept credit cards also decrease their level of non-paying costumers, which could saved more money in the long run. I also been running a retail business for the last five years and had set up a credit card merchant service with U.S. Merchant Systems. They had been in the industry for over 20 years providing outstanding programs and services while offering low cost merchant accounts for all merchant account services. Check out there site: http://usms.com and see whats the merchant programs thats best for your business.
Click to view CRAIGS's profile Start-up CRAIGS 1 posts since
Feb 25, 2009
23. Re: Small Business looking to start accepting Credit Cards Feb 25, 2009 1:42 PM
in response to: justine234

PLEASE GIVE MY FRIEND A CALL AT 8774483434 EXT 4008
HIS NAME IS KENNY AT TOTAL MERCHANTS SERVICES
Click to view AdvanceFunds's profile Authority AdvanceFunds 3 posts since
Jan 27, 2009
24. Re: Small Business looking to start accepting Credit Cards Feb 25, 2009 1:49 PM
in response to: justine234
I can explain to you a way to receive funds without signing up for a processor or anything else. Please call if you are interested. This is not a service we sell. Just a word of advice. Douglas 888-310-3110. www.afnllc.com
Click to view rouldph's profile Mogul rouldph 19 posts since
Dec 11, 2008
25. Re: Small Business looking to start accepting Credit Cards May 4, 2009 11:54 AM
It sounds like an easy way to get set up and a low cost fee
I'LL check it out
thanks for the tip.
Click to view juls722's profile Start-up juls722 2 posts since
May 5, 2009
26. Re: Small Business looking to start accepting Credit Cards May 5, 2009 2:27 PM
Hi everyone,

I do know there's a company out there called Bankcard Services Worldwide. When I signed up with them, they actually put me in a drawing for a $1,000.00, just to give me my input on how there service is. The service is incredible. When you call there office they actually have a polite and nice person who answers the phone. I think they sell to banks, so your probably going more direct.

Just my two cents, but I'd recommend them to anyone.

Julia
Click to view vnavguys's profile Mogul vnavguys 119 posts since
Apr 22, 2009
27. Re: Small Business looking to start accepting Credit Cards May 9, 2009 11:07 AM
I have used Paypal for years as my merchant provider, with zero problems. Most people dont even know they are using PP when they process their orders. I have never had one complaint or anyone who said they would not use them.
Click to view samsegal's profile Start-up samsegal 1 posts since
May 9, 2009
28. Re: Small Business looking to start accepting Credit Cards May 9, 2009 6:48 PM
in response to: justine234

Absolutly Free the hottest New Equipment!
We will give you $500 if we can't beat your current credit processing rate.
Click to view elcalvito's profile Start-up elcalvito 1 posts since
May 19, 2009
29. Re: Small Business looking to start accepting Credit Cards May 19, 2009 10:37 AM
in response to: amspcs
Thanks, I'm going to look into it. I just returned a credit card machine due to the expenses related to accepting credit cards.
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