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Accept Credit Cards:

Merchant Accounts   Rates Fees

REAL TIME Credit Card Process AuthorizeNet Weblink $20/month First 250 Tran/mo. No Fee Then 10cent/Tran Verisign PayFlowLink $20/month First 500 Tran/mo. No Fee Then 10cent/Tran

Credit Card Processing w/Software w/Hardware

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CHECKS ONLINE   Electronic   Processing

Check Draft Software

Shopping Carts:

ShopFactory  w/ Free Secure Ordertaking Basic Order Form*    *for AuthorizeNet clients

Transaction Software:

ICVerify

Transaction Hardware:

Credit Card Reader PC Add-on Reader

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Merchant Accounts Accept Credit Cards

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TWO EASY STEPS: Ecommerce Solutions - Merchant Credit Card Accounts

Establish Merchant Credit Card Account: Enabling merchants to accept credit cards from customers.
1 - SEE Merchant credit cards account rates & fees table (below): Four credit cards programs.
2 - Choose the best credit cards program for you.
3 - Then Click on "Download App" (or Merchant Account name or "Go To Pre-apps & Apps") for immediate Download of Application.

Secure Credit Card Processing to Bank: Authorization and Settlement of credit card orders.
1 - Purchase Trans. Software for processing via modem ICVerify* $339*
ECI = Electronic Commerce Indicator = MC/Visa requirement.
(Verifone hardware card readers also sold).
OR  2 - Order Verisign Service: Real Time Online Processing  via Internet gateway.
$169 setup + $20/mo., + 10c Trans. after 500 trans/mo. = Verisign PayFlowLink
$199 setup + $45/mo., + 10c Trans. after 1000 trans/mo. = Verisign PayFlowPro
OR  3 - Order Authorize.Net Service: Real Time Online Processing via Internet gateway. $199 setup + $20/mo., + 10c/Trans after 250 trans/mo.

Choose the appropriate   merchant credit cards  program.	Select a Merchant Credit Card Account Program
Merchant credit card account:  Enables merchants to accept  credit cards from customers.  Rates - Fees - Services	20Mp Netcom Data			International Merchant Accounts Offshore Solutions
	Download App
Discount Rate:   Retail Storefront (Swipe)   See Non-Qualified Rates	1.71% -1.78%			Inquire by EMAIL
Discount Rate:   Mail Tel Internet (Non Swipe)  See Non-Qualified Rates	2.20% - 2.50%			Inquire by EMAIL
Transaction Fee (Swiped)	20 cents
Transaction Fee (Non Swiped)	20 cents
Batch Header Fee	- 0 -
Monthly Stmt or Mgmt Fee	$7.50
Monthly Minimum Fee	$15
Application / Setup Fee	$0
Non-Coded Transactions OK?	No			Yes
Maximum Monthly Volume	No Limit
Tax Returns Required?	Rarely
U S Merchants  Accepted?	Yes			Yes
Non U S Merchants Accepted?	No			Yes
New Business OK?	> 3 months
Drop Shipping OK?	Yes  w/shipper confirmation			Yes
Adult Sites OK?	No			Yes
Casino OK?	No			Yes
Unacceptable Businesses	See List
Requirements Checklist	See Details
*Address Verification (AVS)	Yes
Authorization by Modem Dialup	Toll free
Authorization via Voice Call   (avoid voice calls & incur no fees)	95c
Funds Transfer Time     internet - telephone - mail:          retail storefront (card swipe):	3 days (4-7days if tkt >$250) 1 - 3 days			Daily Daily
Computer Keyboard Add-on Card Reader available for Trans. Software users. Go To Transaction Software  Transaction Hardware (e.g. Verifone Tranz) can be substituted for software. Go To Transaction Hardware for pricing.
Start accepting credit cards NOW: Go To Pre-Apps & Apps
Options- Pricing   Secure Credit Card Processing   Authorization and Settlement of credit card orders.
ICVerify software: Processing via modem			$339 single user
Verisign PayFlowLink service: Real Time Online Processing via your PC and Internet                          vs.   Verisign PayFlowPro service: Real Time Online Processing via your PC and Internet			$169 setup $20/month 10c trans fee after 500 trans/mo vs $199 setup $45/month 10c trans fee after 1000 trans/mo
OR Authorize.Net service: Real Time Online Processing via your PC and Internet			$199 setup $20/month 10c trans fee after 250 trans/mo
Start accepting credit cards NOW: Go To Pre-Apps & Apps

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*AVS-Address Verification Service: AVS is now a requirement. Otherwise, penalty fees can be assessed for credit cards transaction not utilizing AVS. Furthermore, failure to implement AVS in the case of fraudulent purchases can result in chargebacks.
** Chargebacks: Normal Refunds/Credits issued by the merchant to the customer are not chargebacks.
Chargebacks defined:
Merchant's credit card merchant bank, not the merchant, issues a Refund/Credit to the customer and a Penalty Fee to the merchant.

Normally, disputed transactions are communicated to the merchant by the customer, and the dispute is quickly resolved through refund/credit, and no chargeback is incurred.  A chargeback situation typically occurs when a merchant is not notified of a disputed transaction.  The customer has placed the transaction into dispute with his/her own credit card issuing institution. However, the merchant is not properly notified of the dispute and is thereby denied an opportunity to resolve the dispute directly by offering a refund/credit.

Typical Chargeback Risk Situations:
- unrecognized merchant name on customers end of month credit card statement.
and
- fraudulent transactions.

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