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Published Tuesday, April 15, 2008 by cc76314.
Reuters - Plagued by crumbling popularity and slumping house prices at home, British Prime Minister Gordon Brown will tell Wall Street bankers on Wednesday to reveal their losses quickly to help end a global credit crunch.
Is your small or home-based company ready to accept credit card payments? You may have noticed that more customers are asking to pay with a credit card. Or perhaps you are losing customers who prefer the convenience of credit payments elsewhere to paying with cash or a check at your establishment. When you are approved for a merchant services account, you will become eligible to install a credit card processor at your place of business because a bank or another financial institution will be able to underwrite your payment account to limit losses and facilitate customer payment options. Applying for a merchant account can be done over the Internet by visiting the sites that offer this service. Simply browse those that appear to offer the best deal and then get in touch to follow up and confirm the costs and benefits before choosing the best service provider.
A merchant account will help you to accept credit card payments by providing you with the means to lease or buy credit-processing equipment. You can get a combined terminal and printer, a wireless unit, or a debit and electronic check processor. Auxiliary equipment, like pagers, also is available through your merchant services account. It is important to contact a merchant account provider with your business plan as well as a budget for managing the expenses of your new commercial status. An underwriter will want to see that you have thought out your expansion plan and that you are in a position to make it work. You should ask questions about the expenses involved with a merchant account to be sure that you have the means of paying the bills each month. Although merchant account deals can vary, some expenses seem to be fairly common, although amounts will vary from one provider to another. These include the potential for an application fee, installation charges, monthly gateway fee, printed billing, annual membership fee, maintenance or service expenses, and so on. Before you know it, costs can mount and you may not be able to afford all that you want. For the record, though, there are a number of companies that charge between 15 and 20 cents per transaction or a low overall percentage rate each month, so many kinds of merchant accounts are quite affordable. You just have to shop for the best deal so you can begin processing credit payments promptly.
If your initial account set-up enabling you to accept credit card payments works out well, you may wish to consider expanding your technological advances. For example, it is generally a good idea for companies to put up a Website on the Internet. This allows anyone in the world to visit at anytime and shop for goods or services. You dont have to worry about staffing the site 24/7 or waiting for a check payment in the mail. Many entrepreneurs report that their profit margins go through the roof when they establish a site in cyberspace.
When your business is ready to accept credit, think about applying for a merchant services account so you can accept credit card payments.
Shane Penrod is the founder of http://www.Merchant-Account-Quotes.com Specializing in allowing merchants the ability to shop and compare multiple quotes from national merchant account providers. For free quotes on merchant account rates and fees, please go to http://www.merchant-account-quotes.com
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In addition to protecting your credit rating, it is also important to protect the physical credit card itself. Having the card in your possession is not enough, as people can write down the number on the card and use it to make fraudulent purchases. Identity theft has become a problem that costs consumers and companies billions of dollars each year.
Even if fraud, banks and credit card company have never directly affected you will pass down the costs of fraud to consumers. An example of this is the foreign currency transaction fees that you will have to pay when you use your credit card in foreign countries. When you look at it like this, credit card fraud has an effect on virtually everyone. There are a number of things you can do to make sure your card and the numbers on it are protected at all times.
Never provide your credit card number over the phone to someone you didn't initiate the call with. You should make sure you know whom you are talking to before you give them your credit card number. Even if the person says they are affiliated with a well known company, if you didn't call them, don't give them your credit card number until you're sure. If you mistakenly give them your information, immediately call your credit card company and cancel the card.
You also want to avoid using websites that you're not familiar with. Since the rise of the internet, fraud has become rampant, and many people have become the victims of identity theft. When you make a purchase at a website, make sure they have security statements. In addition to this, look for a small yellow lock that is closed. It will be located on the bottom right side of the screen. If possible, only carry one credit card at a time. People who carry around multiple cards are likely to lose them. Once you lose your card, the chances of you becoming a victim of fraud dramatically increase.
Always look at your monthly credit card statement to make sure there are no unauthorized charges. If you see something suspicious, immediately call the credit card company. Whenever you close an account, immediately cut up the cards before discarding them. When you get a charge receipt from the store, make sure you shred it prior to throwing it away. Doing these things will help you avoid becoming the victim of fraud.
Joe Kenny writes for CardGuide.co.uk, offering the latest information on credit cards, visit them today for more best buy credit cards.
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