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Internet Payment Solutions - Need One?
by: Shane Penrod
So your business has expanded to reach the point where you need to find an effective Internet payment solution? The first option to consider is applying for a merchant account. If your business enjoys a solid credit history, pays its bills on time, and avoids controversial dealings, your application should be approved without a hitch. Then you can set up a company Website where you can sell more products and services and let customers pay with a credit card online.

This Internet payment solution is one of the fastest growing e-commerce innovations today. No matter how large or small your company, it is always a good idea to put up a Website to establish a cyberspace presence. At their leisure, your current and potential new customers can visit your site and browse all kinds of information, such as hours of operation, product lines and price lists, testimonials, FAQs, and other useful details. When you install a credit card processor, guests can shop on the Website and pay with plastic by inserting the cardholder’s name, account number, and date of expiration. There is no need to wait around for a check in the mail or a hand-delivered money order.

Pricing for this type of Internet payment solution will vary. After being approved for a merchant account with a participating financial institution that will most likely be a bank, you can shop for the best deal associated with your new merchant status. In some cases, the installation fee will be waived. In other situations, you can get a low transaction fee or an inexpensive monthly percentage rate that will be paid on your account. Other fees may apply, like those associated with membership, maintenance, and gateway service, so you will need to ask about these and other possible costs before signing up for your account with a particular bank or credit union.

Your individual Internet payment solution can be tailor-made to suit your company’s needs. For example, you can apply for a high-volume merchant account if you are doing a brisk business, or you can stick with the conventional merchant account if you are still building a client base. Then you can decide whether to use the regular credit card payment method via the Website or whether you prefer guiding guests to a toll-free number that can be dialed for orders. Discuss you specialized needs with a merchant account associate who can explain the pros and cons of each option so that you can make an informed decision rather than buy the least expensive or the most up-to-date equipment.

Doing business on the Internet can seem a little overwhelming to entrepreneurs who worry about transactional security, fraud, unwanted spam, and computer viruses. Take a short course like those offered by the major computer manufacturers to learn about Internet payment solutions and how to secure your Website. When you are ready to take the plunge, open a merchant account, set up a company Website with ordering capabilities, and provide customers with your Internet payment solution.

About the author:
Shane Penrod is the founder of Merchant-Acount-Quotes.com Specializing in allowing merchants the ability to shop and compare multiple quotes from national merchant account providers. For free quotes on merchant account rates and fees, please go to http://www.merchant-account-quotes.com


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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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