Accept Credit Cards Online
Infinities Online Merchant Account makes it easy on you,
too. You can not only increase sales, you'll cut paperwork
and reduce risk, too! Our partners authorize credit card
purchases, process them, and deposit the proceeds into
your account. Your account is fast, hassle-free, and
If your business is U.S.-based, you can receive approval
on your application within a day. Approval on
International and Specialty accounts takes only seven to
ten business days. Here's how it works:
here to select the plan that best
describes your business
- Purchase your Merchant Account
and check out
- From the Manage list select
"Merchant Accounts", login, and click "Setup".
- Fill out the online application
Once your application is
approved, our partners will provide the information and
assistance you need to integrate your existing cart to the
It's that easy!
Ecommerce Hosting - How To Choose A Merchant Account
For a number of e-Businesses, discovering the best way to accept
payments is a frustrating task.
As the Internet is an instant medium, it is highly recommended that a
ecommerce website must accept credit/debit cards and online checks as
modes of payment.
In order to accept credit card transactions, you require setting up a
merchant account with a merchant bank. As soon as you set up a merchant
account, an online processor can provide you with the software or
gateway you need to transact.
Selecting a suitable merchant account is considered to be one of the
most tough business decisions you make as their existence has almost
doubled and are now into more than hundreds. At the time of choosing a
merchant account, you should be aware of the cost involved in setting up
the account. Refer to the list below and don't forget to ask about each
of these items before agreeing to an account.
The application fee is compulsory so an agent or bank can "research" you
as a potential customer. Few firms are more likely to repay this fee if
your application is not accepted while others won't. It is always
advisable not to pay an application fee that will not be refunded in
case you are rejected.
Minimum Account Billing
This fee requires you to do a least amount of business with a merchant
bank. A majority of banks require a monthly minimum of at least 25
dollars in transaction fees. Anything less than 25 dollars minimum is
In case there is a considerable minimum-billing need, then there should
be no statement fee. Still, a number of banks charge this to cover
administrative costs. If you are assessed a statement fee, it shouldn't
exceed 10 dollars per month.
Charge back Fee
In case a customer is not satisfied with their purchase, can't get a
refund, or is just looking for something free, you may be faced with a
charge back attempt. Under this, the bank will return customer's fund
and debit your account for the full amount. Always make sure to ask
about your bank's charge back policy. Most banks tend to be more loyal
to cardholders than merchants so protect yourself by preventing charge
This fee, which is usually about 2-3 percent of the purchase, is
assessed on every transaction. If a product costs US$100, the bank would
receive US$2-3 for their services. While rates are relative to the
nature of your business, anticipated volume and your credit history, you
should never pay more than 3 percent.
This covers administrative work necessary to establish your account. In
case you're charged an installation or programming fee, there shouldn't
be a setup fee. There is a considerable amount of work completed to
create merchant accounts, so fees of US$50-100 should be expected.
At the time of approaching banks or an intermediary about a merchant
account, always keep in mind the following tips:
1. Read the terms, conditions and anticipated charges carefully.
Don't sign anything until your questions are answered to your
satisfaction. Take time to understand exactly what you are getting and
how much you are paying to get it.
2. Do you require a reserve account? It shouldn't be, but if you
are a start-up Internet business, have poor to marginal credit,
anticipate low volumes or run a "risk" business, it may be required.
3. How long before funds are available to you? Ideally it should
not take more than 72 hours from the time an order or transaction is
Given below are some of the options available with whom you can setup
your merchant account.
Paypal: With a free PayPal account one can accept credit cards on
your website immediately Click bank: It offers distribution of digital
products and has an instant affiliate network promoting your business.