When you start you online business with a website and you start getting orders from your customers which properly found you on the major search engines like Google. You will quickly realize that you need to accept credit card payments on your website and also figure our which other online payment methods are available.

There are different ways to go for your goal, however if you are a startup merchant which need a quick solution, we suggest you to go with 2checkout.com a 3^rd party processor specialized in small merchants with a volume lower than USD/EUR 5.000.

Alternatively you can go with Paypal.com or even moneybookers.com to accept credit card payments. The smart thing by using those payment processors are you can get started right away and don’t need to go through a in sometimes, complicated process to get approved for your own Merchant Account.

To accept credit card payments with a already existing business and with a good amount of monthly turnover we suggest to apply for an merchant account and integrate your website with a payment gateway to accept online payments and credit card payments.

However, before you go for your own merchant account you will need to make sure that your website is compliant as described in the beginning. You will need to make sure that you have the Visa and Mastercard logo on your payment page, where people enter their credit card information.

When you search on for instant Google for “accept credit card payments” or online payments or even merchant account, you will find thousands of companies which offer their services, be careful, it has been known for many years now that there are companies out there which are ready to rip you off. When you found a company which you will relay on in order to accept credit card payments or online payments, be sure to make a search on the domain name to see if any results come up with SCAM reports or rip-offs.

CCLOGIC has specialized in seeking merchant accounts and online payment methods for their clients, we have been in this business for many years (since 2001) and know almost any new comer and reliable company, we have helped many people to accept credit card payments on their website, so do not hesitate to contact us if you consider to make online payments available on your website.

In very simple terms, the gateway processes online payments by connecting your websites order form with the merchant account and returning the answer to the merchant and customer, either approved or declined. Although the gateway itself actually only connects the website to the merchant account, larger payment gateway providers offer additional services, such as merchant accounts and shopping carts.

All payment gateways have standard fees to be aware of. The first of these are setup fees, charged when the gateway is initially established and often non-returnable. There will also be monthly fees to pay for the service and charges for every transaction processed, regardless of whether the transaction has been accepted or denied. Nowadays, when searching the internet we want everything to be processed quickly and get annoyed if this isn’t the case.

If transactions are slow when purchasing or during check out, the customer is likely to leave your website and find another that can process the sale much quicker. You need a reliable gateway provider who can promise a quick efficient service. Gateways offer a range of features that will increase security and revenue. Listed below are several of the more common features to expect.

Contact CCLOGIC LLC to Accept Credit Card Payments today!

Fraudulent transactions cause losses for credit card organisations as only a small percentage is actually recoverable, either by locating the thieves or recouping a portion from merchants. In the Visa and MasterCard rules, a merchant’s processing bank is fully accountable for every transaction processed.

If the merchant conducts business illegally or recklessly and causes lots of chargebacks, the provider can be left with huge losses. To prevent this, the provider passes some of the costs on to the merchant if they haven’t carried out sufficient security checks and completed all the card details correctly, these are the chargebacks. The merchant then has to cover the total cost of the transaction, transaction fees and is forced to pay chargeback penalty.

Because of these chargebacks, online merchants are recognising the need to take some responsibility in installing precautions to protect their online stores from credit card fraud. Anti-fraud systems are being acquired by merchants using highly secure anti-fraud tools and merchants are commonly signing up for services offered by the main credit card organisations, Visa and MasterCard SecureCode aim to dispel some of the apprehension customers feel when buying products online. These services involve customers registering a password with their card issuer and every time they use the card online they are asked for their personal password.

If you are looking for accepting credit card payments then please visit cclogic.com

Credit cards have become the most common and convenient way to pay online but there are still people who don’t own one; you don’t want to turn these people away and lose a sale. Whereas written cheques used to be the norm, there are now electronic checks (eChecks) available. No need to write out a cheque, post it, wait for it to arrive and clear, customers can merely enter their bank details by electronic means.

The main headache for online merchants is security. Along with your business information, your customers’ personal information moves through your gateway every day. This information is invaluable to hackers; when choosing a gateway ensure you select one that uses the highest security techniques to keep information safe. These should include security schemes operated by the main credit card providers, such as the Visa Cardholder Information Security Program, MasterCard Site Data Protection, and Discover Information Security and Compliance. If your gateway provider doesn’t comply with these you could end up paying higher fees or your account closed down. Check out the Internet for a quality payment gateway provider that offers a high level of anti-fraud tools to protect you and your customers.

If you need a Payment Gateway or Merchant Account you can take a look at CCLOGIC LLC – click the link in this line.

In very simple terms, the gateway processes online payments by connecting your websites order form with the merchant account and returning the answer to the merchant and customer, either approved or declined. Although the gateway itself actually only connects the website to the merchant account, larger payment gateway providers offer additional services, such as merchant accounts and shopping carts.

Gateways offer a range of features that will increase security and revenue. Listed below are several of the more common features to expect.

The most important feature are fraud prevention tools. Merchants continually neglect this part of their business; fraudulent transactions result in loss of revenue, something no merchant wants or needs. Merchants will be aware of chargebacks and the penalties these can incur; credit card fraud is prevalent, increasing daily as hackers come up with advanced methods to obtain card information. Utilising anti-fraud tools will mean less time inspecting suspect transactions and more time generating sales. Basic anti-fraud tools include an Address Verification System (AVS) that checks the customers’ delivery address against the address the card issuing bank has on file, and CVV2, the 3 digit security number printed on the back of credit cards VISA, MasterCard and Discover Card.

Another addition to expect is a recurring billing system, particularly suitable for subscription and membership based businesses. Many merchants have customers that order products on a regular basis, if billing has to be done each month to the same customer using the same details it can waste valuable time and energy. With recurring billing you just supply the gateway with the customers billing information and how regularly to invoice them (this only needs doing once) and the gateway conducts all future transactions.

Comment this here or at our Merchant Service Forum

Our Payment Gateway providers supports over 150 different currencies so the customer has the option of ordering products or services in the currency they are familiar with. Shoppers will know which cards are accepted by the card logos shown on the payment method page. When the account is set up the payment logos are automatically displayed so shoppers can see the cards available for them to use. If the online store requires more payment cards after the set up has been completed, an online application has to be submitted stating the extra cards to be added.

Our Payment Gateway providers accepts applications from most types of industries including Gaming, Pharmacy, Adult, Retail, Software, Ticketing Tobacco, Travel business, Airlines, Hosting business, Financial Services, Online Games, Luxury Goods, Digital Content. Opening a merchant account with Our Payment Gateway providers will show a growth in your online business as the website becomes available internationally. As an online merchant check out the options available with Our Payment Gateway providers and you will see that it is an affordable choice.

Also I see that people name a e-wallet solution like paypal or moneybookers as payment gateway, so here are a few clarifications which I hope someone find useful.

First of the e-wallet solution like paypal and moneybookers are neither a merchant account nor a payment gateway, they are electronic money services which let you quickly accept payments from millions of users around the world.  Sure people can pay you without to open a paypal account but still it isn’t the same, I will cover this in another post in the right forum.

A Payment Gateway is an electronic gateway which connects your website with the bank; most banks require using a 3 party payment gateway since they do not allow merchants to connect directly to the banking systems.  

Once you have integrated your website with the payment gateway, you will still need to be accepted by a bank and sign a “Merchant Account Application” or “Credit Card Acceptance Contract”; it is the same just 2 terms.  Many Payment Gateway Providers also called Payment Service Providers or in short PSP’s have already an agreement with one or more banks where they are able to help you to become the merchant account.

However sometimes it is useful to take in consideration that they might be other Banks which are cheaper and maybe have better conditions then the one your PSP’s suggest to use.

This part of the article has been taken from our Online Payment Forum, and the entire article can be found by clicking the link.