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Ever Wondered What An eCommerce Merchant Account Is?
by: Jeff Usher
An eCommerce merchant account can be likened to the cashier of an actual, physical store. They process payments, and eCommerce merchant accounts do the same, albeit, with added flair and whole lot more features.

Much like how an actual, physical store cannot do business with a cashier, an online business would falter without a reliable eCommerce merchant account, sales can be lost and credibility lost.

But what is an eCommerce merchant account, exactly?

An Ecommerce Merchant Account Is The Heart Of Your Business.

An eCommerce merchant account can be likened to the human heart which makes living a reality by pumping blood to every vital organ of the body. An eCommerce merchant account does the same thing for an online enterprise. The operations of an Internet venture depend on the profit that can be made, and an eCommerce merchant account makes this possible.

An eCommerce merchant account can be availed of by choosing the many services that can be found in the World Wide Web. But bear in mind that not all eCommerce merchant accounts are built alike. Some eCommerce merchant accounts are simply better than others.

Choosing The Right Ecommerce Merchant Account For Your Business’ Needs.

There are certain considerations which you must pay attention to when choosing the right eCommerce merchant account for your needs. Let us take a look at them so that we may be guided in determining the most appropriate eCommerce merchant account worthiest of our investments.

* Applicable fees. Some eCommerce merchant accounts charge a monthly rate. Some eCommerce merchant accounts charge a onetime fee. With this regard, your choice of an eCommerce merchant account would depend on how much you are capable of spending.

* Credibility. Ecommerce merchant accounts are your partners for profit. As such, you should select the eCommerce merchant account with a proven history of reliability. You wouldn’t want to entrust your payments to an eCommerce merchant account that would just crumble as soon as you sign up, right?

* Coverage. The perfect eCommerce merchant account should be able to process payments from popular payment sources. This means that such an eCommerce merchant account should be able to accommodate users who would pay with major credit cards. Additionally, it would be ideal if such an eCommerce merchant account would also be able to process payments from other alternative online payment schemes, like PayPal, Stormpay, E-Gold and the likes.

An eCommerce merchant account could also be likened to a ship that would bring your to the Promised Land of online success. The waters may be rough, but if your eCommerce merchant account is made of sturdy stuff, you will reach your destination with flying colors.

About the author:
Jeff Usher researches and writes articles on all aspects of Internet Marketing and eCommerce. For further information on the subject of this article please visit:-
http://www.more-merchant-account.info


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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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