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Wireless Merchant Account?
by: Shane Penrod
A wireless merchant account can bring your business into the 21st century by enabling you to accept credit payments while on the go. All you have to do is get approved for a merchant account and then purchase or lease a wireless credit card processor that can be transported from one location to another by employees who collect credit payments from customers. Here’s how it works.

1. Apply for a wireless merchant account by finding a reputable merchant services provider to partner with. You can browse many kinds of merchant account Websites on the Internet to find those that will approve your company for a commercial account that will let you accept credit card payments using a wireless processor. Shop for banks, credit unions, or other financial institutions that offer merchant services. Apply online, by mail, or in person with local providers. In many cases you can get a response within a matter of hours, or at most, a day or two. Most underwriters look at an application to determine whether a company has a good credit history, is able to make monthly payments on a merchant account, and is not involved in a questionable or unsavory business.

2. Once you have been approved for a wireless merchant account, you can immediately select the equipment you would like to use. Check out several units to find one that is the right size and weight for your company’s needs, especially if it will be transported for off-site credit processing. You also should be eligible to get a regular credit card processor to plug into any outlet in your store or another location, if preferred. Many units combine printer and terminal for greater convenience. Purchase prices vary greatly, but you can expect to spend several hundred dollars to purchase a quality wireless unit. Your merchant account extras can add to the cost, with the potential for application, maintenance, service, gateway, and discount fees, among others. Find out in advance what you will have to pay for a particular deal up front, monthly, and annually, and make sure the expenses fit with your company operating budget.

3. After implementing wireless merchant account equipment, see how it works for your customers and the degree to which the company benefits. Processing credit payments can help to increase profits, since more customers may be eager to make purchases when they have the flexibility to pay in credit as opposed to paying in cash or by check. If the initial set-up works well, you may decide to move on to other electronic items, like a pager, a check and debit processor, and other types of equipment that can help your company operate smoothly and efficiently. Don’t go overboard with buying fancy features that you really don’t need. Simply purchase or lease the technology that addresses a specific need that you have already identified. If it works, you can always add more later. If it doesn’t, you’re only out the investment on the one item.

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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