Since over 90% of all transactions on Internet involve customers paying by credit card, accepting plastic money rates a must for almost any business.

The problem for most small online business owners involves high cost of setting up and maintaining a credit card merchant account.

With startup fees ranging from $200 to $500, minimum monthly fees of at least $40 to $50, plus per transaction fees and a percentage of sales, most people who want to supplement their income online or test an idea can't risk that kind of money.

Add in credit checks, 48-month service contracts, expensive equipment purchases or leasing, financial statements, and last 3 years' tax returns and most people throw up their hands and give up before they even get started.

Fortunately several companies responded to this problem with unique solutions that enable smaller online merchants to accept credit cards at a fraction of those high startup costs with no long-term commitment, no equipment purchases, and zero minimum monthly fees.

~ PayPal.com ~

PayPal has gotten some negative press over last couple of years, but that press has been mostly undeserved.

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