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PC Doctor+ Guide 21 Accepting Credit Cards on Your Website

Written by Steve Latimer


Accepting Credit Cards on Your Website If you're running a business producing any kind of product or service then you really should have a website. The reasons for saying this are: Atrepparttar lowest level, web sites allow you to advertise your product or service at costs which compare very well against conventional advertising methods. In addition, merely having your own domain name adds status to you business while a domain based e-mail address adds credibility to your business. I don't wish to be unfair to Freeserve or any other general ISP but if you are using a Freeserve e-mail address for your business then you are hardly conveyingrepparttar 118721 impression of a main player business. Which looks better to you? sales@yourcompany.com or jkl501@fsnet.net Once you have a web site you may consider at which level you wish to operate it: A simple site which advertises your product or services. Remember even a simple site, optimised correctly, will allow people searchingrepparttar 118722 web to find your business. Even if your site only provides details of your product/service and contact details this is still a significant plus and far more flexible (and cheaper) than placing an advertisement in Yellow Pages A site withrepparttar 118723 ability to accept orders by telephone or e-mail and receive on-line payment. A full e-commerce site where people can order on-line usingrepparttar 118724 customary 'shopping basket' and on-line payment. Here we will deal withrepparttar 118725 second level - a fairly simple site but one which hasrepparttar 118726 facility to accept on-line payments by credit or debit card. Many people think that this must be a complicated task with many serious considerations - not least of which is security - but not so. If you have a product or service to sell then you can be accepting credit/debit cards on-line in a matter of hours. Merchant Accounts High Street stores which accept credit/debit cards have what is known as full merchant accounts often now known as PDQ accounts because ofrepparttar 118727 card swiping machines that are connected by telephone torepparttar 118728 clearance system.

To qualify for a PDQ account a business will generally have had to have been trading for 18 to 24 months and be able to supply signed off accounts forrepparttar 118729 qualifying period. If accepted,repparttar 118730 service involves a monthly subscription payment - allegedly forrepparttar 118731 use ofrepparttar 118732 PDQ machine - and it will also deduct a commission, typically of between 1 and 3%, on each sale. Most if not all ofrepparttar 118733 high street banks offer full merchant accounts. For smaller retailers and for SMEs which sell products and services direct or on-linerepparttar 118734 banks have come up with alternative solutions. These involve setting up an on-line account withrepparttar 118735 merchant account providers through which all transactions take place. In this way security issues are handled byrepparttar 118736 provider and with organisations such as The Royal Bank of Scotland andrepparttar 118737 National Westminster Bank potential buyers can feel secure with their transaction. With each,repparttar 118738 business user visitsrepparttar 118739 provider’s website and creates a 'BUY' button which is then copy/pasted ontorepparttar 118740 business users website. When a visitor clicks onrepparttar 118741 button a payment window opens andrepparttar 118742 visitor enters details of their credit card/debit card. Money is then transferred intorepparttar 118743 user's online account. The provider will make a charge on each transaction. The business user can viewrepparttar 118744 account status on-line to see when monies have been received butrepparttar 118745 providers generally also e-mailrepparttar 118746 user so that he knows when monies have been cleared and goods can be safely despatched.

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