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Accept Credit Cards Online without a Merchant Account
by: John Lynch
It is often assumed if you want to accept credit cards on your website that you must have a merchant account. This is not the case. You can accept credit cards with a Third Party credit card processor.
1) What is a Third Party Credit Card Processor?
A Third Party credit card processor is a company that will accept credit card payments on behalf of you or your company. The payments your customers make are processed through the Third Party's own merchant account, and you the retailer is paid (minus a commission fee) by the Third Party processor.
No need to pay for expensive processing software, monthly fees or minimum transaction fees. As you only pay a percentage fee on a sale, you cannot lose money.
2) Should I have a Merchant Account or Third Party Processor?
For most businesses this decision will be made according to the size of the company. Most small businesses do not need their own merchant account.
Small businesses are better off with a Third Party processor. The advantage is that when you sell your products, the Third Party processor takes care of the payment by checking the card, processing it, and sending you a monthly check.
Larger businesses with a bigger turnover are likely to need a full merchant account. You will pay a bigger set-up fee for an online merchant account but pay less per transaction than with a Third Party processor. So recouping your initial outlay.
So there it is, unless you have a large business it is possible to accept credit cards online with a Third Party processor.
(c) John Lynch 2004
[ For details of Third Party credit card processors and online merchant accounts visit: http://www.merchant-account-service.com/credit_card_processing.html ]
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Important privacy considerations when shopping for dishnet
The Internet is fast becoming the dominant medium for business and communication, but it still resembles something of a frontier, because there is little regulation. If you are looking for dishnet then you are doing so in an unregulated marketplace. Most efforts have relied on the Internet industry to police itself. Although there has been some notable success with self-policing, continued abuses have increased calls for government intervention. That's where our role in pre-checking dishnet sites comes in. Our dishnet provider is solid and reliable.
Some aspects of the Internet could undoubtedly use some regulation, but this task is not as simple as it may seem. The very nature of the Internet makes it difficult, if not impossible to regulate. However in the midst of this many dishnet retailers survive and prosper. At the same time, the absence of regulations means that everyone who uses this essentially public network can be a target for anyone who has the technical know-how and the will to invade their privacy. Privacy was foremost in our minds when sourcing the right dishnet retailer for you. Their link appears below.
While the threat from hackers is low for individuals, a more serious threat to personal privacy comes from unscrupulous dishnet companies that operate websites for quick quids. Many dishnet sites require you to register before you can use its services. Often you must provide personal information, such as your name, street address, and e-mail address. Then as you browse the site, data is collected as to which pages you visited, how long you remained on each page, the links you clicked, what terms you searched, and so on. After a number of visits to the site, a personal profile emerges. The question is, what do dishnet site operators do with this information?
Most claim that they use it to personalize your experience on the site. For instance, if a dishnet site learns that you are interested in dishnet, the next time you visit the site, you might be presented with an article or advertisements for that and related products. But some dishnet websites sell this information to marketers, which means that you may find yourself receiving unwanted catalogs from garden suppliers. Our preferred retailer does not do this.
We feel so confident that your dishnet shopping experience will be a good one that we have built this site so that you can go straight to the prime dishnet retailer without wasting a lot of time checking out vast numbers of very ordinary providers.
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