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To increase sales on your website, you must accept
credit cards. To process credit cards, you could
apply for a merchant account through your bank or
other financial institution.
Sometimes, though, you would be further ahead to use
the services of a credit card processor. This is
especially true when you are first starting out and
have more limited resources. In this way, you may
process credit card transactions without the high
front-end costs and requirements of a merchant
account.
Here, then, are just a few ways of accepting credit
cards without a merchant account. I personally use
all of these vendors and can recommend them
wholeheartedly.
1.
Clickbank
If your
product is downloadable (such as electronic books or software), you
might consider ClickBank.com . For a $49.95 initial fee, you can process
credit cards and on-line cheques for $1.00 per transaction plus 7.5% of
sales.
You receive additional exposure through free listing on their website
and through the search facilities of other websites, such as CBMall.com.
As an added bonus, you have your own built-in affiliate program. You
decide what commission (from 1% to 75%) you would like to pay your
affiliates.
2.
PayPal
PayPal.com
has no initial fees. For just 2.9% of sales and $ .30 per transaction
(and sometimes less), you can receive money from anyone.
Also, you can pay others by credit card or chequing account without
supplying your personal credit information to the payee. PayPal can be
used to collect money from your auctions, website sales, or even from
friends or clients.
3.
PaySystems
In the
original edition of this article, I recommended PaySystems.com (also
known as MyPaySystems.com). This is what I wrote about them:
"PaySystems.com can handle either intangible (downloadable) or tangible
(shippable) products. For an initial fee of $49.00, you can accept all
major credit cards as well as online checks. Fees are just 3.95% of
sales and $1.00 per transaction. Alternatively, you may pay 5.5% of
sales and $ .35 per transaction."
"For this, you receive shopping cart, integration with third-party
affiliate programs (such as ClixGalore.com), fraud screening,
multi-currency transactions, toll-free support, marketing tools, and
more."
Unfortunately, PaySystems.com has discontinued their "Internet Billing
Account" for those outside the United States.
4.
2CheckOut
2CheckOut.com can handle both intangible and tangible products. For an
initial fee of $49.00, you can accept all major credit cards as well as
online checks. Fees are just 5.5% of sales and $0.45 per transaction.
For this, you receive shopping cart, fraud detection, integration with
third-party affiliate programs, multi-currency transactions, free
on-line support, and more.
Incidentally, 2CheckOut.com has the same policy as ClickBank.com does
with regard to sales taxes. Both companies take the position that you
are selling your product to them and that they resell it to the final
consumer. Thus, they claim that you are not subject to sales taxes on
those sales.
About the author:
J. Stephen Pope, President of Pope Consulting Inc., has been helping
clients to earn maximum business profits for over twenty-five years. To
learn more about accepting credit cards and other profitable Work at
Home Small Business Ideas, visit
http://www.yenommarketinginc.com/creditcards.html
Circulated by Article Emporium
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