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Online / Internet Merchant Accounts
Accepting Credit Card Payments
A merchant account is required in order to accept credit card payments online. The application for a merchant account is separate from an application for a web hosting account. The rates and fees for a merchant account can vary greatly depending on such factors as the country in which your business is registered, and the perceived credit risk of your business.
The basic requirement for any merchant account is that you must have a business checking account. Your business checking account does not have to be with the bank and/or organization providing your merchant account services.
Third-Party Merchant Accounts
Another option for accepting credit card payments online is to use the merchant account services of a 3rd-party. An extremely convenient and economical provider of such services is PayPal. PayPal can be integrated into Miva Merchant and many other shopping cart solutions. PayPal accepts clients from all over the world. To learn more about PayPal, click here.
Also, consider looking into the 3rd-party merchant services provided by MoneyBookers.
U.S. Merchant Accounts
If you have a business registered in the U.S. and have a U.S. bank account, then you can obtain a U.S. merchant account. On average, the rates and fees for U.S. merchant accounts will be less than non-U.S. accounts. Our online merchant account solutions for U.S. businesses are provided by Cardservice International and utilize the LinkPoint Secure Payment Gateway. To review the details and fees for these U.S. merchant account solutions, please click here.
Non-U.S. Merchant Accounts
For non-U.S. based businesses, consider the merchant account services provided by WorldPay. Click the link provided to begin the application procedure and obtain the rates for your particular business.
In addition, we recommend contacting your local bank and seeing what they have to offer (and what they recommend) in terms of online merchant account services.
If you have any questions about merchant accounts, please feel free to contact us at any time, and we will do our best to answer your questions.
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