Many small business owners think that they can not afford to take credit cards because the credit card merchant service charge fees are prohibitively expensive. On the contrary, many people, so today carry credit and debit cards instead of cash or checks, you can not afford not to accept credit cards.
Discount Credit Card Merchant Services
Certainly all credit card merchant services are not created equal. You should definitely shop around for the best prices. You may find that you can accept credit cards and pay only 1.9% for credit card merchant service charge fees.
Many credit card merchant service providers also offer wireless credit card reader solutions. These readers and reader services vary in price from just $ 75 to $ 750 For $ 75, a small business person can only enter credit card numbers, expiration dates, and the transaction represents one cell phone. For $ 750, gives the credit card merchant service charge a wireless, battery-powered credit card swipe terminal with a large display and integrated PIN pad, and integrated receipt printer, with a copy to the customer and one copy to the merchant.
These portable handheld units are great for business owners who sell at craft fairs, flea markets, farmers markets, fairs, food carts, and other remote outdoor locations. You can literally run your business from the trunk of your car or your tailgate.
Online Merchant Credit Card Services
More credit card merchant service providers handle online purchases, but PayPal is the king of them all. PayPal appealing to online customers, because through PayPal, they can open an online payment account, which links directly to their bank account without giving up credit card numbers, expiration dates and secret codes. But customers do not mind giving up that information can use PayPal from a credit card or bank account.
Online merchants PayPal for the same reason. Checkout is easier than ever before, because PayPal handles credit card transactions - in the card information and collect from the customer's bank card provider. Online merchants can honestly say that they accept credit cards but the client must create a PayPal account at checkout. Most online shoppers are aware of this distinction, however, and many already have PayPal accounts, so you need not worry about turning your customers off when they must use PayPal for their purchases.
If you are a small business owner, do not be afraid to take the plunge into the credit card merchant services. Build small additional cost to your cost of doing business, and watch your sales soar.
Bob B Taylor is a webmaster and publisher of MyPrivateDebt.com He gives lots of practical advice and reviews about debt and credit services, including some good ideas on how to use credit card merchant services available on its website.
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