It has never been a better time to use a Online Credit Card Merchant Account to help your business expand. In these unsure economic times, it would be smart to remain competitive or you'll be passing up primo sales opportunities. More and more businesses are choosing to apply for a low cost merchant account so that they are able to process credit cards. With a credit card merchant account, retailers can now offer more payment backups to...more
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Lending Companies Requirements For Online Credit Card Applications, Made Simple Backed by so many histories of non-payments and other related cases, lending companies have the reason to require certain information and other things needed for the application of credit cards. Requirements must not be viewed as hindrances in acquiring a credit...more
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Most of us use credit cards to purchase items from e-commerce stores as well as brick-and-mortar retail shops. In spite of using cards so frequently, not many of us are aware of how credit card processing happens and the elements that come into play in the transfer of funds from their account to the merchant's account. In this article, we explain the payment flow for internet transactions.Credit card processing involves a series of transactions. Let's look at what these are: * Preauth transactions: In a preauth, the validity of the card is established. The charge for running this transaction is usually around one dollar.* Postauth transactions: This is where clients place an order that will not be shipped to her immediately. At the time of order, a hold is put on the client's card. The business owner runs a postauth to complete the transaction and move the money once goods are shipped. This also removes the hold placed earlier.* Credit transaction: This is the transfer of monies from the business account to the customer's. This is required when a business issues credit for returned items etc.* Sales transaction: Here the purchaser buys an item and makes a...more
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