Online Credit Card Application and Service Processing Services

There are a growing number of people who have successfully made an online credit card application and the number of these cards holders is growing. People with a bad credit history are able to get online credit cards, although they pay higher Annual Percentage Rate than those with a good or excellent credit score, and typically have a much lower credit limit, so the online market place is wide open to all. Even people with no credit card can use a merchant service such as PayPal to buy goods and services online, so if you don’t currently have a facility to sell online, you should seriously consider online credit card processing services.

You can expand your business by getting the software that will enable an online processing service, and you may be pleasantly surprised at the low cost of such a service. You pay a small transaction fee in the region of 25 cents per transaction and a small monthly payment of around $10, a similar gateway fee and other small monthly fees, depending on the company you choose to do your card processing service. If you want to expand your business, it can be well worth you checking out what is on offer for your business. You need to have an Address Verification System so that fewer mistakes can be made in accepting payments online and the encryption which makes transactions safe and secure (SSL).

These security features are commonly offered by online card processing service companies. You will be able to accept all the forms of payment from anywhere in the world using such a service. This will certainly enable you to expand your business and so increase your profits and revenue. Business owners reportedly saw their sales increase from 50 % to 400 % when they took advantage of a credit processing service.

Such a facility is not a risk, as you can insure against fraud and defaulters, although this is an added cost, but it is worth getting for the peace of mind, knowing that you are safe from Internet fraud. The Address Verification System is an advantage as if the address given by the credit card holder does not match that held on file for the card, you will have early notification and can hold the shipment of goods, or withdraw the offer of services. The risks of online receipts are minimized with an online processing service, and with online credit card application growth, you really should be making money online along with your competitors.

Online Credit Card Processing for Your Business

Online shoppers want to get the same benefits from your ecommerce store that they get from brick and mortar retailers. Offering a wide range of payment methods will make your customers feel safe and comfortable and they will increase their online shopping. Accepting credit/debit cards in your online store increases your sales. The problem that many online business owners face is that they are confused by the many choices available and they don’t know where to start.

There are two ways in which an online business can accept credit card payments online;

Real time online credit card processing

Here is where the customer submits their payment information and the payment is processed online through a payment gateway. Even though the payments are processed right away, the costs are usually higher.

Card present or swiped

The merchant will collect the card information by swiping the card through a mobile card reader or credit card terminal. The costs involved here are much lower than card not present or online transactions.

For a business to start accepting online debit and credit cards, they first need to have an online merchant account and payment gateway. And just like any other business decision, you have to adequately research before selecting a provider that you feel is right for you.

Setting up an online merchant account that is quality and secure is critical if you want to launch and operate a successful business. You can avoid unnecessary fees and charges if you find a provider that understands how to set up an online merchant account correctly and understands the needs of your business.

A merchant account may have cost implications like set up fees, application fees and minimum monthly fees. It may also take up to a month for your account to be fully set up and one has to be patient. Depending on your credit history, your application may or may not be approved and you will need to estimate your sales volumes to know the approximate number of transactions you will expect per month.

When shopping for merchant account providers, you may choose to go with your local bank of one of the many available online merchant account service providers. If you already have an offline credit card processing merchant account, then you can just ask your provider to add an online processing feature to your account.

Online payments for medical billing

Medical payments via credit/debit card will help reduce the headaches of bill collecting from patients and processing them. A merchant account gives your patients the freedom and flexibility of making payments in various forms. The system works in a very simple way; the client pays using their credit/debit card, the payments get processed immediately and. There are many available credit card processing systems that are customized specifically for medical billing and come with other features that make your billing work easier.

Law firms

With the growing trend of accepting payment through credit and debit cards, attorneys and law firms that are looking to accept credit card payments have a lot of available options in the market. There are providers that offer services that are specifically tailored for attorneys and are even endorsed by associations but a firm is also free to use the standard credit card processing services that are available to the other businesses. For those lawyers who have reaped the benefits of accepting credit card payments from their clients, they have realized that it is one of the ways of attracting and maintaining clients.

Mobile payments

Mobile commerce and e wallets have recently emerged as the standard payment of the days to come; merchants are trying to position themselves for tomorrow by trying to meet the demand for mobile credit card processing.

Whether it is accepting credit cards through a mobile devices or accepting mobile payments via a Smartphone, mobile credit card processing has become prevalent and will continue to grow in its usage and adoption.

The capability to accept credit cards through a mobile device gives your business the flexibility of accepting remote payments with ease and securely. Merchants can easily process real time transactions from any locations as long as they are connected to the internet.

How to get a Free Online Credit Check

Knowing your credit score can save you from the embarrassment of being declined for that loan, car lease, or mortgage, as well save you thousands of dollars. So how do you find out your credit score for free? Read on to find out!

What Exactly is a Credit Report?

A credit report consists of a detailed list of your credit history maintained by one of three main US credit reporting agencies: Equifax, Experian, and TransUnion. You can imagine it as a report card that holds information on all of your current and past financial activities. When you apply for a loan, the lender requests your credit report from one or all of these agencies and uses it to help determine whether or not to approve your loan. All of the factors in your credit report are used to calculate what is know as your “credit score” which is between 300 and 850, the higher it is the better.

Why Should I Check My Credit Score?

Checking you credit report might seem like a difficult and expensive task to carry out, and in the past it usually was, but with recent advances in modern technology, namely the internet, checking your credit score online is simple and FREE! The Federal Trade Commission requires all of the major national credit reporting companies to provide consumers (that’s you!) with a totally free copy of their credit report if requested, up to once every 12 months.

Now that you know that facts about obtaining your free online credit check, here are a few of the reasons why you should take advantage of this opportunity:

1. Help Prevent Identity Theft and Fraud.

Identity theft occurs when a criminal uses your personal information, such as your credit card number or Social Security number, to carry out fraudulent activities. When you obtain your credit report you are able to check over your credit history and make sure that no one has negatively affected your credit score through identity theft. If you do happen to find any fraudulent activities or inaccurate information on your report, you can contact the credit report agency or credit card company involved, and have them correct this inaccurate information.

2. Avoid Embarrassing Credit Surprises.

Which way would you rather find out you have less than perfect credit; when the bank or car dealer tells you so in their office, possibly in front of your friends or family, or when you request a credit report in the privacy of your own home? Knowing your credit score is the best way to avoid being put into an uncomfortable or down right embarrassing situation. Not to mention it can save you bundles of time. Knowing your credit score, and what is on your credit report, will help you make more informed decisions in a vast array of financial situations.

3. Correct Inaccurate Information.

It has been reported that approximately 1 in 4 credit reports contain serious errors, many bad enough to impact the consumer’s eligibility to obtain a loan. Credit reporting agencies have very sophisticated and precise credit reporting protocols, but nothing is 100% foolproof and mistakes do happen. Sometimes outdated information will remain on your credit report longer than it is supposed to, negativity impacting your overall credit score. Obtaining a free online credit check is a great way to make sure your information is correct and up to date, before applying for a loan or new credit card.

How Do I Get a Free Online Credit Check?

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