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Does your business accept credit cards?
by: Jakob Jelling
It has become increasingly important for businesses to be able to accept credit cards. Credit cards are the preferred method of payment nowadays. Whether you are an online merchant or own an on-site business, if you do not accept credit cards you are missing out on a lot of revenue.

To accept credit cards your business needs a credit card processing system. Creating a merchant account gives you that ability. Merchant accounts are accounts especially crafted to fit the needs of businesses to accept money.

If you own a store, you will need a card swipe terminal to accept credit card payments. Your merchant account provider may be able to provide you with this equipment. There will be a purchase fee or rent fee associated with the equipment. You can also shop elsewhere for point of sale equipment. POS terminal software can ease the processing of credit cards and can ease the job of a cashier at grocery stores, merchandise stores, bookshops, or any other type of store you own.

Once the equipment is in place you are ready to go. When a customer asks ‘do you accept credit cards?’ your answer will be a definite yes. At the Point of Sale terminal, customers can check out their items and pay by credit. You slide the credit card into the machine and it will automatically make the payment.

To accept credit cards is even more crucial for Internet merchants. If you only use checks to accept payments, it can be troublesome for customers to write and mail the check. Online payment methods such as Paypal and StormPay also have drawbacks since many people do not have accounts with them. These can be your secondary payment methods but it is important to be able to accept credit cards.

Different websites have different reasons to accept credit card payments. Some sites ask for a membership or subscription fee. Some sites may deliver tangible products where the payment gateway must be integrated with the shopping cart. Others may require a fee for online consumption of such things as music, movies, etc.

You will need an Internet merchant account to make a payment gateway on your e-commerce Website to accept credit cards. You have a great choice when it comes to selecting a merchant account. Things to look for when making your choice are:

- Fees, such as transaction, set up and charge back
- Reliable security features
- Professional customer support
- The Company’s reputation and stability

If you are not skilled in programming, you should seek a merchant account provider that will set up your payment gateway for you or provide a cut and paste code. Setting up the payment gateway, to accept credit cards, in the right place and integrating it into your e-commerce Website is essential to driving sales. The gateway must be secure and the payment processing time must be fast.

Why you must Accept Credit Cards?

For online purchases, a majority of customers pay by credit cards. Thus if you do not accept credit cards you have reduced your customer base tremendously. Also credit cards promote impulse buying. You do not want to give your customers time to rethink their purchase when they are writing a check with all those zeros.

Also it can add credibility and professionalism to your business. If you accept credit cards, your site will look more legitimate and customers will have greater peace of mind when making payments. Your payment processor will be working and making money 24 hours a day, even while you sleep.

The benefits of accepting credit cards are many, even for on-site businesses. Credit cards are a convenient way to make payments. Customers do not have to carry cash around. Just slide the card in the processor and the payment is done. The merchant can potentially see a great increase in sales.

About the author:
Jakob Jelling is the founder of http://www.cashbazar.comVisit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.


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 How to Find the Best Low APR Credit Cards
 by: Morgan Hamilton

Low APR credit cards are much more prevalent than in years past. Competition is stiff and credit card financial institutions offer many nice perks, rewards, points, low annual percentage rates (APR) and other inducements. They want to capture new customers who've never had a credit card but also those who already have a credit card and might like to save money by transferring that card's balance on to their new low APR credit cards.

Of course, there is nothing lower in an APR than zero - and those exist too, although sometimes for a limited time period. It may be that the lowest, or even the zero percentage APR is for an introductory period, after which the rate is higher. The permanent APR is what you want to watch out for, of course. Although if you're not opposed to doing a lot of switching, you can always purchase a low APR credit card, or zero percentage APR credit card, transfer the balance from your current high APR credit card, and then, once the introductory time period has expired and the APR is about to go up on your newest credit card, transfer the balance yet again to a brand new low APR credit card.

Let's look at a few of the low APR credit cards out there, so you know what kinds of options are typically available to you.

Citibank, for example, offers low APR credit cards that give you five percent cash back on any purchase you making at grocery stores and gas stations with your low APR credit card, and one percent back for any purchase elsewhere. The APR on transfers is zero for the first year. If your transfer transaction is at least $1500 you will earn $5 cash back with the low APR credit card. There is no annual fee and the APR after the first year is 12.24 percent.

Discover has a platinum clear card whose low APR is continual. The first year the APR is zero, but after the first year it's still a very competitive 9.99 percent. And there is no annual fee. With these low APR credit cards you earn a five percent cash back bonus on purchases made from hardware and home improvement retailers, restaurants, book vendors, and gas stations. If the retailer doesn't qualify you for the five percent discount you will always get one percent back no matter what you buy and from where with this low APR credit card.

Chase Bank offers low APR credit cards as well. Its zero percent APR is good for six months, after which you will pay 10.49 percent. These low APR credit cards have no annual fee, and offer rewards at the rate of one point for every dollar spent with your Chase card. You can get free airline flights and hotel rooms, as well as cruises and auto rentals. This card also provides $500,000 worth of travel insurance for worldwide vacationing. You can also take advantage of a fifteen percent discount off a Hertz car rental with these low APR credit cards.


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