Card Holder

Merchant Account Comparison – A Simple Guide To Compare Credit Card Processing Accounts

Taking credit card orders is vital to any business wanting to successfully sell their own products online. Back in the early days of the Internet it was agreed that accepting plastic was a bad idea, because it was trying to apply a dirt-world system to the digital world. Lots of businesses launched digital currencies such as “beenz”, but the web-based currencies didn’t flourish. And so, roughly a decade on from the launch of businesses online, still getting our plastic out of our wallets to buy on the web and so accepting credit cards when selling products online is still as important as ever.

Basically, there are two different ways to accept credit cards online. Let’s compare merchant accounts. Businesses can either go for a full merchant account, which allows the business to process credit cards via a bank gateway, or the business can sign up with a third party payment service, who actually processed the credit card orders for the business selling the products. Getting a merchant account has higher upfront costs, but has lower per transaction costs. Using the services of a third party solution costs less initially, but has higher per item costs.

Deciding whether or not to get a full merchant card processing account or use a third party service provider is just a question of running the numbers. Let’s look at two different business types and compare merchant account benefits…

In most cases, established businesses who are already trading locally and want to start selling on the Internet will be suited to getting a credit card processing account. Most likely, Usually they will already have a real world merchant account and will expand the remit of that account to also do “MOTO”, which is “Mail Order Telephone Order” processing and only means that the card holder is not there at the time of purchase.

For one-person businesses starting out online selling new software or a new ebook, it is important that they consider testing their sales using a third-party service provider. The advantage to the new business is that there’s next to no initial cost which means they can test their market cheaply and easily. If sales boom, they can consider reducing the per-sale fees by applying for their own credit card processing account. If sales are poor, they can quickly exit the marketplace without having spent a lot of cash to get their own credit card processing account.

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