Merchant Accounts - accepting payment online

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* Building Your Website: Merchant Accounts - accepting payment online
Posted Sep 08, 2003 - 06:56 AM
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Making Money Tips Around 90% of website sales are made through credit cards. If you don't accept them, you are missing out o­n 90% of your customers.

How to accept payment o­nline

It is essential that you accept credit cards through a secure server o­n your site. Around 90% of website sales are made through credit cards. If you don't accept them, you are missing out o­n 90% of your customers.

There are a few ways you can do it. The easiest method is to go through third party payment processors.

3rd Party Payment Processors

With a third party processor, you do not need to handle any of the payments. It is all done by a 3rd party company. You pay o­nly when you make sales. The advantage of this is that it very quick to set up and has very low set-up costs. Also some businesses might find it difficult to set up a merchant account, so this give everyone a chance to accept payments even if they are not able to set up their own account.

Clickbank - this is a good option for software and information products. (They do not handle payments for physical goods). The advantage of using clickbank is th

at they have an army of affiliates that can sell you information product for you. Clickbank can handle your affiliate program for you. So although you are paying higher fees for the merchant processing, you need to recognize that they are also helping to sell your product, recruit affiliates etc.

PayPal - This is brobably the option with the least expense for you, the merchant. To accept payments with PayPal costs o­nly 2.2% plus 30cents per sale.

Setting up your own merchant account

This is more difficult than using a 3rd Party Processor, but it probably a better option if you are accepting a large number of payments. For more information o­n this go to:


Note: Rob Rawson -
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