Shane Penrod asked:




Why not accept credit cards over the phone? Many companies do, and they find that profits are expanding because of the convenience their customers enjoy in being able to shop and pay from home or any other location where they can use a telephone to access your business.

Customers love it when companies accept credit cards over the phone because they need not dress up to go shopping, they don’t have to find a babysitter, they need not put gas in the car, and they don’t have to worry about stopping at the bank for cash while en route to your establishment. All they have to do is pick up a phone receiver, dial your number, and punch in responses to the automated order and payment system. It sounds highly sophisticated, but actually the process is fairly simple. Here is how to get started.

First, to accept credit cards over the phone you will need a merchant account. This will provide you with a financial underwriter for coordinating customers’ credit payments with your account. The underwriter facilitates the credit payment to ensure it is good and when cleared, puts the money into your account for ready access. Of course there are fees for this service, but most merchant account users feel they are well worth it because of the unlimited potential for growth and profit. Find a reputable financial underwriter, like a solid bank or other lender, and apply for a merchant account. Check out all possible fees so there are no surprises later. In fact, you should compare account options among various lenders to get the best deal.

Next, when your merchant account is approved, you can select digital phone services that will enable you to accept credit cards over the phone via a selection of customer options. For example, you may wish to make the service available 24/7, or you might wish to limit access to certain hours when a customer service employee can be on hand, if needed, to complete transactions if a glitch should occur or to answer questions. You will need to ensure the phone connection is secure, and you can decide whether to have customers key in their credit card numbers or be able to choose the voice option as well or instead of the key-in choice. Will your provide a confirmation number? Will receipts be mailed or emailed? These and other questions will need to be worked out when setting up your phone credit card processing service.

Telephones are being used more and more for business ordering and payment services, especially with the credit payment feature for those who wish to accept credit cards online. By paying a few cents for each transaction or a low interest rate overall, you can remove limits from your sales field and increase volume dramatically. Contact a merchant account representative to find out more about the many exciting possibilities that await you when you implement the latest technology for your business, beginning with the choice to accept credit card s over the phone.

accept credit cards

James Osterman asked:




Whether a business is a traditional brick-and-mortar establishment or a Web-based retailer – or both – its unlikely any merchant can thrive in today’s economy without the ability to accept credit cards.

With the change in the amount of money charge card operators are allowed to accept, people are using their plastic for fast-food meals, designer coffee drinks and other minor purchases. As such, fewer people are carrying cash, which means the merchant that doesn’t have credit card processing is going to miss an increasing number of sales.

On the Internet, more than 80% of all goods and services procured are paid for with a credit card. Fewer consumers are willing to place their order via a paper check when they can speed up the process by using their plastic.

However, if you are one of those businesses that have not added merchant account service, it’s not too late. Indeed, there may never be a better time to do so than now, with the proliferation of companies offering card processing.

While all merchant services companies do have fees, competition has pushed some of them to waive certain fees, discount others, or bundle services into more cost-effective packages. The key for the merchant to draft their own “customer bill of rights” as they undertake a search for the right card processing partner.

First, they have the right to review as many companies as they need to so they can come to a well-informed decision. For some this will be two or three, others may start by looking at a dozen providers.

Second, they have the right to compare apples to apples. What companies are offering what services and what’s the bottom-lone price? And if someone is bundling credit card processing services and claiming that will result in cost savings, make them prove it.

Third, they have the right ask questions. How many? As many as it takes until they feel they have all the necessary information they need to make an informed decision that is in the best interest of their business.

Fourth, they have the right to test drive any provider’s services connected to their ability to accept credit cards. Reliable merchant service providers will have demo’s that allow a prospect to see how their particular process works, and how quickly they can find their comfort level with it. Additionally, they should be able to call a company’s technical support and customer service center to get a sense of how well that department would respond if there’s a problem.

Fifth, any merchant account company should have the flexibility to grow as their customers grow. Studies have found that businesses that have credit card processing capabilities are more likely to see increased traffic and sales. And that means their needs today will not be the same six months or a year from now. As such the contract they sign today shouldn’t penalize them later for being successful.

Sixth, they should expect the company they sign with to accept credit cards to view them as a partner, not just another account. As such, there should be the expectation that both parties are invested in the other’s growth and future success.

accept credit cards

BB asked:


Is it possible to get set up to accept credit cards as payment for goods for a one-off occasion? If so, who can this be done through? Any pitfalls?

accept credit cards

plusbryan asked:

Find out how you can accept credit cards on your iphone with iswipe, the affordable credit card terminal for the iphone.

accept credit cards

HandHeldHollywood asked:

For decades, filmmakers have been using their own credit cards to finance their projects. Isn’t it time you started using other people’s credit cards? Well, now you can! macally has announced the Quikswipe, a credit card reader for the iphone and ipod Touch. What’s that you say? How is this a filmmaking tool? Watch the video, and find out!

accept credit cards

Dr. Knox Grandison asked:




Almost all businesses around the world accept credit card payments. Use of cards has grown by leaps and bounds. It is estimated that more than half of the American population uses cards to make payments for their purchases. Card payment involves the complex processing of information. This payment system involves card terminal and communication channel to transmit information between terminal and payment gateway.

Any business that accepts cards payment will require a virtual terminal to process the payment. The majority of the businesses have a card terminal installed in their merchant location to process payments. These terminals require a communication channel to transmit information to a payment gateway to validate the payment. The communication channel used in this setup is generally high-speed phone lines.

Stiff competition has forced many companies to explore new horizons to increase their customer base. Many retailers and merchants have mobile salespersons for door to door selling. These salespersons face a problem in completing the sale if the customer opts to make a payment through his or her visa or master card. The card terminals used in merchant locations are bulky and cannot be carried along by these salespersons. In such an event, there is a risk of losing the sale due to the inability to process card payment.

There is a simple solution to this problem. The salespersons can use an iPhone which has a free Accept Credit Cards Now App installed in it. This application turns the iPhone into a mobile card terminal. It works effortlessly with online payment gateways. You need to download this software to your iPhone and, by connecting to any compatible payment gateway, you can straightaway start using your iPhone as a virtual card terminal.

You can start accepting credit cards payment using your iPhone once you install this application. There are multiple benefits of using this application. Mobile salespersons can verify the status of a payment instantly and in the event a credit card is rejected for payment, they can ask the buyer to furnish other credit cards to make payment. This also helps in establishing the credibility of the business as the process of payment is completed in real time. The salesperson can provide the information about the transaction to the customer immediately. The customer also gets an email receipt of the transaction.

The process of accepting payments through Accept Credit Cards Now App for iPhone is simple & fast. The salesperson has to enter details such merchant ID, transaction ID, customer name, phone number, email address, billing address and the amount to be charged on the application interface. The information is encrypted before transmitting it to the payment gateway. The payment gateway verifies the information and accepts or rejects payment. This whole process is completed within a few seconds,

With this application installed on your iPhone, you will never feel the need for traditional card terminals. The application gives you freedom from wires and swiping of credit cards which is not possible with a traditional card terminal. Mobile salesperson will greatly benefit from Accept Credit Cards Now App for iPhone as they can proceed with their sale anywhere and at anytime.

accept credit cards

eil2359 asked:


I run a screenprinting business, but im trying to make a website, and i need to be able to accept creditcards, but i cant get the system to work right, when customers buy something, i get all the information i need, so how can i use that to charge them to my bank account? do i go threw my bank and set something up with them?

Basically, how do i charge them with only there credit card information and there order info. i know it can be done, but how do i do it?

accept credit cards

ScottH asked:


Arco stations accept cash and debit only. I’m sure there is some good reason for this, but can’t think of what it could be. Why would such a large company have this policy when almost all comparable companies accept credit cards?

accept credit cards

I hate fat people. asked:


Do I need a merchant account from my bank to accept credit cards on my online store?

Would I need one if I used PayPal exclusively?

accept credit cards