Many small business owners are hesitant to accept credit cards as they are afraid most of the fees and equipment costs, but fees are not the only thing to consider if you are looking for a payment processor.
First, take into account the kind of company you want to do business with. You can find banks that offer services that allow you to accept credit cards 소액결제 현금화, as well as independent sales organizations and, sometimes, the bank card company itself.
The advantage of working with the same bank that’s your other business accounts is that it is easier for you really to cope with, and there could be someone local who you are able to call if you have problems.
On one other hand, independent sales organizations have significantly more experience and are occasionally more flexible in the forms of businesses they will work with.
When you’re shopping around and learning about the different packages that payment processing companies provide, here are a few things you must pay attention to:
*Reliability: Does the network have plenty of downtime? What are the results when the network falls? What kind of customer support structure do they’ve set up? Will there be someone you are able to call 24/7?
*Products: What different types of payment processing products are available? Would they help you select what’s right for you?
*Extras: Does this technique also process electronic gift cards, electronic checks or other types of payment?
The biggest factor that a lot of people use to find the merchant account company they want to choose, however, could be the price. There are lots of different fees related to accepting credit cards, including a credit card applicatoin fee, the discount rate (a percentage of every sale), transaction fees and fees for sales made over the Internet or the phone.
Additionally there are fees for statements, for not meeting the very least level of sales and for almost any returns or refunds you process.
Look carefully at all the different types of fees each company collects and what the rate is. If you’re expecting people to make plenty of small purchases with credit cards at your organization, you may look for the organization with the lowest transaction fee. If on one other hand your bank card payments will be high, you could be more interested in a diminished discount rate. It all depends about what your priorities are.
One last thing you’ll desire to consider whenever choosing a payment processing system is what if any costs you’ll incur from renting or buying equipment. Some companies offer free equipment for bank card processing, which may be a huge positive that reduces your up-front costs.