Merchant Account Blog & Credit Card Processing Blog

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Accepting checks over the telephone or internet can really increase your sales. Customers have become accustum to using their “Routing Number” and “Account Number” to place an order or make a payment. Increase your customer loyalty and repeat sales.

Our E-Check Solution will allow you to take a check payments over the phone or via the intenet. Perfect solution for accounts receivables, as customers can take action immediately. Your funds are electronically deposited into your business account. No trips to the bank.

For more information on our E-Check, please give me a call to discuss your payment solution needs.

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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PAY AT PUMPS | MERCHANT ACCOUNT | SAVE THOUSANDS


Gas station owners are in a very competitive business. Every possible edge over the competition is a must to compete in this industry. Saving money on credit card processing can be a lucrative edge over your competitor down the street, who has not analyzed his merchant account expenses.

When you are working on pennies, your credit card processing rates and fees matter. Understanding what those transactions cost workout to on an average basis is key. If your average gas purchase is $40, you need to understand what your current cost is on that card transaction. This cost could really be eating away at your profits, if this goes unchecked.

We can offer you an interchage plus pricing program, at a small fraction above true interchange cost. This program is usually reserved for high volume accounts, but we are now offering it to independant gas station owners of all sizes. We can even included your in-store sales of food & convenience products. We even offer Fleet-Card acceptence like Wright Express and Voyager cards.

Grab your most recent credit card processing statements and give me a call. I’m confident that we can save you money, making your business more competitive.

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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As we face these uncertain times in the worldwide financial markets, it seems that Ecommerce Sales may be resilient, even if we face a economic downturn and potentiel recession in the United States. According to a recent article in Barron’s, Jeff Lindsey reports that dispite a slowing economy, he forecasts Ecommerce Transactions to grow 14.3% in the US in 2008.

Online merchants should also benefit from the rising cost of fuel, as many customers would prefer saving the time & gasoline expense of traveling to make a purchase. Ecommerce merchants offering Free Shipping will really make it a “No Brainer” for the consumer looking to save money.

Lastly, online merchants selling products abroad, will benefit from the “Lower Dollar”, as foreign consumers can purchase products & services at a discount.

If you are looking to save money on your credit card processing fees and merchant account rates, please feel free to give me a call on getting your overall cost a an affordable level.

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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Getting the best rate on credit card processing is most important for any business with a mercant account. Many merchants were never really trained properly and small mistakes could be costing them unnecessary costs. First of all, transactions must be batched or setteled out each evening or you run the risk of all those transactions being surcharged as Non-Qualified transactions by Visa or Mastercard. Be sure that you are closing all batches within 24 Hours to avoid the penalty.

Next, if you are “Keying” a card number rather than “Swiping” it, Visa & Mastercard require that AVS Information be attempted and passed-through with the transaction data. This includes the “Street Number” and “Zip Code” of the customer, along with the “CVV2″ code on the back of the credit card. If this information is Not Attemped, the transaction will be surcharged as a Non-Quailified transcation by Visa or Mastercard. Aside from avoiding a surcharge, this information will assist merchants in reducing the risk of an expensive chargeback and the fees associated with them.

SAVE MONEY ON YOUR CREDIT CARD PROCESSING COSTS:

If you are looking to reduce your overall cost on credit card processing, please grab you current processing statements and give me a call. We can do a line-by-line comparsion and save you hundreds if not thousands, on your current credit card processing costs.

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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Merchants who need to process transactions from remote locations, without power or telephone lines, can apply for a wireless merchant account. Transactions must be initiated from a location where the wireless signal is available. Please note, wireless coverage area may vary and not all locations are covered. Please check signal strength on the coverage map and again note that signals will vary and are not guaranteed.

FREE NURIT 8000 GPRS

While supplies last, we are offering a Free Nurit 8000 GPRS for all new wireless merchant account applications. Terminal includes Free UPS Ground Shipping, Free Programming, and Free Set-Up. We waived the wireless activation fee and your equipment will come, plug-n-play. All we ask it that you return the equipment when closing your merchant account and credit card processing. It’s that simple.

If you have any questions on our wireless merchant account, please give us a call.

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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Today is one of the best times in history to apply for a merchant account to accept credit cards at your business. You will find free credit card terminals being offered by many offices in return for your business. Credit card processing has become a must for most businesses and the competition between providers is fierce. This competition in my opinion is the result of the internet, with business owners being more educated by searching for the best deal on credit card processing.

Free equipment like; free credit card machine, free credit card software, and free ecommerce solutions are slowly becomming the norm on the internet. This competition was sparked a couple of years ago and may continue for the near future. No one know when they will “Pull The Plug” on free equipment, but for now it is available and everyone should take advantage of it.

If you are thinking about setting up credit card processing for your business or are thinking about switching your provider, for a much better rate, please give me a call to discuss your needs. We offer free equipment on all new merchant accounts for credit card processing.   

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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Credit card processing is becoming the norm for new state-of-the-art vending machines. A vending machine merchant account is needed to accept credit cards with your machine. The process is very simple and your machine will be ready to process transactions once your merchant account is activated.

You will need to ask your equipment vendor which credit card processing network is compatable with the software installed in the machine, ie First Data Omaha, First Data Nahville, Vital, ect. You will also need to install either a telephone line or internet connection, which ever is required by your equipment vender. A download may be required to configure your machine, again please check with your equipment vender.

Customers prefer to use their credit & debit cards and the idea of using them at a vending machine is becomming accepted by the public. Increase your profits by accepting credit cards.

If you have any questions, please give me a call to discuss your needs.   

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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Your credit rating can effect your ability to get a merchant account for credit card processing. When you apply for a merchant account, underwriters will look at a host of things, including your credit score. A bad credit score could stop you from getting a merchant account if your business type is slightly risky. For the most part if you have a retail location and resonalbe ticket sizes, your credit rating should not be a factor, unless you are currently in the process of bankruptcy.

Certain merchant services providers will accept more risk than others, so you may need to shop around. One alternative used by some merchant account providers, is to bring in a co-signer on the application. The co-signer does not need to be a principal in the business, but will assume any liabilities caused by a default on the account. Defaults could defined as not covering chargebacks, penalties, fees, etc. If you are have poor credit and wish to accept credit cards, you may want to consider credit repair to bring your scores higher. This would also allow you to qualify for better rates on business credit, as well.

If you have poor credit, please give me a call to discuss your needs.

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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Processing checks at the point-of-sale is becomming very popular. New technology allows merchants to convert a paper check, into an electronic transaction. The check is then “Guaranteed”, removing the financial risk to the merchant. This technology will also create “Customer Loyalty”, as they will choose to do business with you, instead of doing business with your competitor.

Customers can take advantage of the “Float”, which is typically two business days before the funds are needed to be deposited into their account. Typically customers will use this prior to their payday, on a purchase needed today. Again, the check processing transaction is “100% Guaranteed” to the merchant, so the risk of the check bouncing is of no concern to the merchant.

A simple check reader is attached to your credit card machine to process the check. The merchant would simply swipe the check through the reader and enter the required information in the credit card machine. The information is transmitted to the Check Company and a “Guaranteed Prompt” is received back to your machine within seconds. The transaction is completed by returning the receipt & voided check, back to your customer. It’s that simple.

Funds are electronically deposited into your business account !!!!!

If you have any questions about check processing, please give me a call to discuss your needs.

MARK SANDS
1st National Processing
http://www.usa-merchantaccount.com
1-866 828-8683

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Reading your merchant account statement each month is very important. Many merchants simply gather the numbers for their accounting, without reading the statement. Reading the entire statement will most importantly make you aware of any changes set-forth by Visa or Mastercard. Changes to Interchange rates can effect your overall cost and changes in equipment requirements could require new programming on your equipment.

Keeping a eye on your rates & fees are good business practice. Understanding your merchant account statement can be challenging. We have a Merchant Account Statement Guide which may help you and you can alway’s call your customer support deparrtment at your credit card processing provider for help.

If you feel that you may be paying too much, please give me a call to discuss switching to the best rate.

MARK SANDS
http://www.usa-merchantaccount.com
 

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