How to Get Affordable Credit Card processing Fees

If you run an online company, you might have some concerns about credit card processing online. You might be worried about how much it will cost to set up. Is the software expensive? You might also wonder about the price on an ongoing basis. How much is each credit card transaction on the web going to cost you? Is the ability to accept credit cards online worth the cost?

Another category of business owners are already accepting credit cards online, but are more than frustrated with the amount of money they are paying for credit card processing fees. If you fall into this category, you might not have done enough research in order to find the most affordable merchant provider in the industry. You might not have read the fine print, or understood your bill. Regardless of which boat you’re in, it might be time to get a new merchant account provider, one with affordable rates you can count on. offers internet merchant accounts for small to mid-sized businesses who want an affordable way to accept credit cards online. However, offers more than just affordable rates. Customers get to experience no application fees, no set up fees, and fast approvals on merchant accounts. The company also offers free check processing services by web, phone and fax. Whether you’re a retail business, home-based business, or restaurant, it pays to provide your customers with an easy and convenient way to pay online via credit cards.

Where to Find a Free Credit Card Machine

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Companies can get a free credit card machine when they sign up for a merchant account with a credit card processing service. There are many different types of credit card services that only certain companies can sign up with. For example there are credit card or merchant services that only process transactions for medical facilities such as hospitals, labs and doctor’s offices. There are other merchant services that only process transactions for retail outlets and other companies associated with the retail industry.

Merchant services process all the major credit cards and have a variety of services they offer their members as well. Some merchant services also process debit cards, checks and eChecks or electronic checks. There are fees associated with merchant accounts which can be monthly, quarterly or annually. Some merchant’s services offer incentives such as free processing on certain types of transactions or a free credit card machine.

There are retail merchant accounts that include a merchant credit card terminal. If you are searching for these types of services check out Total Merchant Services. They have a variety of merchant services for various types of companies. Visit their website today to find the services you need for your company. You can also search online for merchant services as well. Just search under merchant services to find a wide variety of companies that offer credit card processing and many other types of services. Some companies have one fee for a variety of services and other charge a membership fee and a separate fee for each of their services.

How to Fight Chargebacks

Article submitted by: Solid Trust Pay

Chargebacks are every online merchant’s worst nightmare. The merchant has a lot to lose and it is not always easy to find evidence to prove that the customers claim is false and even if you do prove the customers claim is false you still end up having to pay a fee to the merchant bank.

Chargeback claims can be made for several reasons like fraud, customer disputes, authorization issues and technical issues. With chargeback being a very serious concern for the future of online trading what measures one could take to prevent chargeback?

The best way to deal with chargeback is to take precautionary matters to avoid chargeback since dealing with it after is happens is a tedious process. But when there is a chargeback how do you fight it?

Have up to date sales records- this is the first thing you can provide as proof to show a legitimate transaction did occur. Other records such as tracking records from the delivery service, delivery notices from the warehouse will all be helpful to fight chargeback.

Take prompt action – the sooner you respond the better your chances of disproving the chargeback claim.

What steps can be taken to prevent chargeback?

Use an Address Verification System to make sure that the billing address of the credit card and the delivery address are the same.

Use your corporate name on the credit card statement since a different name can cause the customer to be suspicious and challenge the charge.

Display refund policy – have a sound refund policy and make the customer fully aware it by having the customer agree to it before making the online purchase, this will deter him from claiming chargeback.

BIN (Bank Identification Number) blocking – have a list of all the credit card numbers that have claimed chargeback in the past and use this to filter potentially fraudulent customers.

Secure delivery service – it is best to use a delivery service which has tracking facilities. Have a policy to have the cardholder sign acknowledging delivery, this way a dispute cannot arise regarding the delivery of the goods.

Be cautious to avoid technical issues – make sure you double check the amount you enter to avoid charging the wrong amount or make duplicate charges.

Take all necessary measures to avoid chargeback as this can have a very adverse effect on your business. Frequent chargebacks from your customers will prompt your merchant bank to categorize you as a high risk merchant and worse will even terminate your merchant account and add your name to the Terminated Merchant File thus disabling your credit processing facilities.

Chargeback should never be taken likely and it can very possibly happen to you, so take precautionary measures to prevent chargebacks from the inception of your business to safeguard its future success.