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"How to Determine the Best Merchant Account Option For Your Business"

Do you feel lost when it comes to finding the best possible payment processing solution for your business - especially when it comes to finding a company that offers great customer service?

If so - you're not alone. The merchant industry can be very confusing, and it's hard to know what's a good deal - and what to avoid.

That's why we've written the following article. Keep reading to find out how you can find - with confidence - the best possible deal on a merchant account for your small business...

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"Accept by Phone is one of those ideas that works just like it sounds. You can process payments from a client quickly by dialing a toll-free number, entering your client's credit card number through an automated system, and then authorizing and processing the payment, all in a few seconds...

Dennis Kennedy


"Accept by phone was an excellent way for our new business to begin accepting credit cards, without the need for complicated contracts and expensive equipment..."

Eric M. Jukes
Capital Region Limousine


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Would you rather spend a lot of money to accept credit cards with a great merchant account - or would you rather spend less for a great merchant account with the same features and service?

Well, unless you've recently undergone some sort of traumatic head injury, you'd probably prefer to pay less for the same features. Everybody would.

However, in the merchant industry, sometimes it's not as simple as comparing "A" with "B". There are a myriad of different fees, charges and billing structures that make it quite complicated to figure out exactly how one service compares with another.

So let's take a look at how to find, compare and choose the perfect merchant account for your small business...

It greatly behooves you to research the terms and conditions of the fee structure associated with all of your prospective merchant services and/or banks that provide merchant accounts. Make sure to ask prospective merchant service company before you apply for a merchant account with them to forward you their terms and conditions. Regardless, ensure that you understand the terms and conditions very clearly before venturing into unfamiliar waters.

Things to watch for are:

1. Cancellation fees (how much, details, contract duration) - if you do not want to be locked into a contract, look for company that allows you to cancel at anytime.

2. Monthly recurring fees and possible Monthly minimum fee - I cannot stress enough that you need to read the terms and conditions and look for specifically sections addressing: Fees, Incidential fees, & Discount rate.

3. Free Equipment Offers - Make sure to read the terms and conditions to see if their is any potential charges you are unaware of, and who owns equipment if you quit processing with provider, and if their is a replacement cost if the equipment breaks or is damaged.

Armed with that basic information, shop around if you want to get the best possible credit card processing rates. There are many options, pricing plans and incentives available for setting up a merchant account - each one highlighting a certain facility; you should find out which one suits you the best. Some financial institutions do not charge installation fee, while others will charge a one-time overall fee but give you other facilities free. Every provider will charge a discount rate, ranging from 1% - 5% or more, depending on the type of the account. Most also include some sort of transaction fee, ranging from $0.05 to $0.25

In order to get the best credit card processing rates, you will need to do your homework well. Research thoroughly for the most affordable possible terms and conditions - but make sure that the company is reputable, as you don't want to be stuck with a service that has poor customer service, especially when their service involves your money!

Things to factor into the equation include your average number of transactions per month, your profit margin, your average order size, and how often you'll be accepting credit cards from your customers. Obviously, high-volume retailers will want to focus on reducing their discount rates and per-transaction fees more so than their monthly fees and so on, where small and micro-businesses with a larger order size, but less transaction volume can be more flexible with the discount rate and transaction fees, focusing more on reducing monthly/minimum fees.

At any rate, talk to others in your industry and compare their recommendations with your own research into your prospective merchant providers. Accepting credit cards should be a profitable investment if you choose the right service.

Just make sure to double-check those terms and conditions!

Find out more about boosting your profits with small business credit card processing >>


With Accept by Phone, swiped transactions are only 2.69% (keyed transactions are 3.49% and $0.19 per transaction).

No signup fees, no monthly fees, no PCI fee, no monthly minimum, and no cancellation fee.

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