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Accept Credit Cards with a Merchant Account 1-2-3



Which Merchant Account is Right for You?

  • PayPal
    Don't want to install software on your computer? Use PayPal's remote credit card processing service on their secure server. Set-up free and no monthly fees - only pay per transaction. Low Rate.

  • Free Intuit® GoPayment Credit Card Reader
    With this convenient system, you can swipe customer credit cards via your smartphone or other mobile device. It's ideal for mobile businesses like food trucks or businesses that provide services on-site. You get the application and card reader for free.

    There are no monthly fees required, just a small charge-per-swipe (about 3%). **However, we did notice that if you want to save money on transaction costs, you have the option to pay a low monthly fee and pay less per swipe. Set-up free and no monthly fees.

  • Phone Credit Card Processing
    Use any touchtone phone, no equipment needed

TIP: Get Free Price Quotes on Credit Card Processing
Describe what you need, and they will match you to qualified credit card processing services. Compare competitive prices to get the best deal for your business.

 

A Look at Different Merchant Account Services:

All businesses are different, and there are a variety of merchant account services that you can choose from to meet the needs of your business.

For example, some companies handle transactions exclusively over the internet, some by direct mail and some in person. Some companies need to deal with payments from different countries, etc.

Here are a basic rundown of the options when it comes to accepting credit cards:

Wireless: This service enables the merchant to accept credit card at mobile locations through a wireless terminal.

Retail: A retail merchant account is generally connected to landline and credit cards are physically swiped through a terminal

Restaurant: A restaurant merchant account pre-authorizes the credit card and charges the card with gratuity.

Card-Not-Present Merchant Accounts: Generally used for mail order companies, this is where neither the customer nor the card is present during the transaction, and the information is manually entered into the credit card terminal. 

Internet: Internet merchant accounts are used for sales made from a website.

When it comes to choosing the right merchant account service for your business, the choice may be clear. However, if you are deciding between a few options or companies, check and compare the rates and fees. Some types of merchant accounts are higher risk, and therefore charge higher fees (for example, where credit cards are not physically present during the transaction). If you can, opt for the lower-rate service.

Sign up for PayPal and start accepting credit card payments instantly.

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