August 2012

What’s An Internet Merchant Account And How Can It Help Me?

An Internet merchant account, known commonly as an ecommerce merchant account by many, is the cornerstone of modern online economics. It is a specialized type of merchant account specifically designed to accommodate online business transactions and to help Internet shops and outlets grow and expand over time, much like any other efficient payment-processing solution. If you’ve ever shopped online before, you’ve interacted with a business that has an Internet merchant account. That’s how common they’ve become – and, consequently, how important they’ve become as well.

An Internet merchant account also requires a few separate criteria from the payment-processing plan and merchant account set-up and overall infrastructure that other kinds of merchant accounts, such as mobile, mail- or telephone-order, or standard POS (point-of-sale) terminal set-ups do not require: a payment gateway and a shopping cart.

With an Internet merchant account, a shopping cart is much like a shopping cart or basket in real life, only in that it allows customers and clients to gather, organize, and quantify their desired products and services. In this way, they have an organized system for shopping and conducting transactions with the Internet merchant account, and this provides a level of convenience and satisfaction – especially digitally speaking – to shoppers who prefer an efficient and timely system for shopping and checking out. Once they have gathered and quantified all their purchases, it’s time to check out – and time for the payment gateway to do its part of the Internet merchant account process.

A payment gateway is fundamentally a secure line for transmitting sensitive personal financial information across the Internet without the risk of hacking or theft. These problems can, of course, result in stolen identities, unauthorized purchases, and perhaps worse. The payment gateway encrypts the special data so that no one can hack it, meaning your customers’ and clients’ card numbers are safely stored elsewhere. With a reduced risk of fraud with your Internet merchant account, you can more easily maintain a safe and happy customer or client base, and even more importantly, grow that loyal patron base that you already have.

If you have further questions or concerns about Internet merchant accounts, or if you would like to set up the ideal Internet merchant account processing plan with Vision Payment Solutions today, simply call us at the number at the top of the screen, and you can be on your way toward an Internet merchant account of your own in no time!


Merchant Payment Solutions Today

Merchant payment solutions are essential for a healthy, thriving business to continue to perform. Have you ever visited a store – either online or in person – and got up to purchase your desired product or service, only to discover that the business either doesn’t take credit cards at the time or doesn’t take credit cards at all? Nothing could be more irritating in such a situation – to either the customer or client or the merchant. Why lose a sale when you should never have to?

Merchant payment solutions come in all shapes and sizes, to be sure, but one thing a lot of first-time buyers of such services – merchants just starting up their own businesses for example – might not consider when screening for potential merchant payment solutions is customization. While Vision Payment Solutions may offer a host of customizable options to your merchant payment solutions, not all of our competitors do so. When you’re signing on for something as essential – something as vital – as merchant payment solutions, you had better make sure that you are partnering with the right company.

Make sure that your merchant payment solutions provider is experienced, knowledgeable, and accommodative, and also that they provide you with an overall reasonable return on your investment. You should never be losing money on an investment – as you already know firsthand as an entrepreneur yourself – and in the world of merchant payment solutions, it’s no different. The service enables you to accept a wide variety of payments – debit, credit, gift, fleet, and other cards – from patrons, and as such, should open up a whole new doorway of opportunity for you and your business vision.

Moreover, consider the terms and conditions set forth in your prospective merchant payment solutions contracts. Will they suit your way of doing business, or will they hinder the performance of your transactions, your customer interaction, or any other vital aspect of your business? Considering these very few but very important factors when seeking merchant payment solutions of your own is half the battle.

More questions about merchant payment solutions? Call Vision Payment Solutions today at the number at the top of the screen, and you can speak with someone who discusses these topics every day, and can answer any questions you may have. They can also help set you up with merchant payment solutions of your own, should you choose to pursue a partnership with Vision Payment Solutions!


Merchant Card Accounts: Snowflakes in Disguise

A merchant card account is much like a fingerprint: highly unique and individual. Not only are there so many different kinds of merchant card accounts out there today, there are also a lot of different customizable options within each kind. This makes for a pretty big pool of possibilities when it comes to finding an account of your own, and as such, also creates an overwhelming sense of confusion and sometimes frustration in shopping for such accounts. But, the first step in any process is gaining knowledge on the topic, so today, let’s take a look at different kinds of merchant card accounts available to your business, and how they interact with merchants to facilitate better business.

Standard: Standard merchant card accounts are for more conventional settings, like grocery stores and other physical outlets. You’ll typically see most of these places with standard accounts because they have the traditional keypad point-of-sale (POS) terminals to process transactions.

Internet: Internet merchant card accounts are specifically designed for interaction online, with shopping carts, payment gateways, and other essential aspects of online commerce embedded within the accounts themselves. These enable online businesses to accept payments from customers a world away.

MO/TO: Mail- and telephone-order businesses also have different merchant card accounts to meet their own needs. This, of course, includes the ability to process credit and debit card payments over the phone or through the mail, and as such, may include virtual terminals, although this depends highly on the provider of the actual merchant card account.

Mobile: Last, but certainly not least (especially in the days to come soon), mobile merchant card accounts are quickly becoming the standard for anyone and any business who conducts transactions on the go. Whether you work at tradeshows or conventions, or if you own a hot dog stand or an ice cream truck, you can offer your customers and clients the convenience of immediate, instant access to purchases without them having to worry about carrying cash. They simply provide you with their information by swiping or keying, you process it remotely, and email them a receipt!

Would you like more information on merchant card accounts? If you’re already sure that you would like Vision Payment Solutions to be your leading merchant card account service provider, then call us today at the number at the top of the screen, and we’ll arrange the perfect payment-processing plan and merchant card account set-up to meet your specific business needs far better than the other guys can. Call now!

Internet Merchant Accounts And The Future of Business

Business is booming: online. It is true that internet merchant accounts truly have begun to carry the weight of the world economy on their shoulders. This is due to the ever increasing number of shoppers heading online instead of to the stores to find the products, services, or information they need. The future of business seems to constantly ebb and flow, ultimately requiring more Internet accounts and far fewer merchant accounts of other varieties, save mobile payment processing merchant accounts, which is an entirely different story.

Because the vast majority of all business conducted online is with credit and debit cards, it’s now more vital than ever that, if you’re a business owner or entrepreneur – or if you plan on becoming one any time in the near future – you have to understand the basic principles by which merchant accounts operate, and more importantly, address your specific business needs with prospective providers of Internet accounts before proceeding to sign on for such service.

Benefits of Internet Merchant Accounts

Studies have shown despite the overall drop in sales from physical stores worldwide, the booming online economy has almost sold enough goods and services to make up for the offline decline? If that’s not a reason to consider getting Internet accounts for your business sooner rather than later, then we don’t know what could be. Merchant accounts allow for virtually any kind of business online to not only survive, but to thrive and prosper. Knowing that it can make the sales it needs to make to keep the entrepreneurial dream alive; a business can then be in a much better position for the future, as well, being able to compete in a massive, global online economy – seemingly without limits.

Internet accounts, in short, are vital to the success of online businesses. In fact, this is because, without these accounts, online business would not be possible at all. Did you ever notice a dollar-bill slit on the side of your desktop or laptop computer? Neither did we – and from the looks of it, it might be a long time before any of us do.

If you would like to look into Internet merchant accounts from Vision Payment Solutions, give us a call at the number at the top of the screen. You will receive assistance from one of our friendly representatives, who will be able to help you get you on track towards a more lucrative online business!

Having An Ecommerce Merchant Account: The Basics

Having an online business can sometimes be as hard as – if not harder than – a traditional, brick-and-mortar outlet, and there are a lot of differences between the two that can cause issues, but one thing you must understand clearly and perfectly when you have an Internet-based business is the concept of the ecommerce merchant account. Without an ecommerce account, your online business is up the river without a paddle. It won’t be able to process your customers’ or clients’ payments, and therefore, you can’t make any money. Can you see why having – and understanding – your ecommerce account is so vital to the ultimate success of your online store?

There are a lot of different kinds of merchant accounts in this world, however, such as mobile accounts, mail- and telephone-order accounts, and even the standard, conventional merchant accounts which you can physically see as you check out at any classic grocery, for instance, in the point-of-sale (POS) terminal used to swipe your card, transmit the data, and complete the transaction. An ecommerce account, however, differs from these other kinds of merchant accounts in that it is specifically designed to support and interact with your online infrastructure.

If you’ve done any homework regarding the set up of your new online business – and we do hope you have – you will know a little bit about (or at least heard of) what are called shopping carts and payment gateways. These are tools that allow your ecommerce merchant account to function. The first tool, the shopping cart, is a program designed to assist your shopper online as they browse your store, put things in their “basket,” quantify them, make changes to colors, sizes, or whatever other criteria you input, and ultimately, check them out.

This is when the payment gateway comes into the picture. When the buyer enters his or her personal credit card information into your system, the payment gateway encrypts and transmits this data across the network quickly and securely, facilitating your ecommerce merchant account transaction in a matter of seconds. These are just a few of the differences between most varieties of merchant accounts out there and the classic ecommerce merchant account for most online businesses out there.

If you would like to know more about ecommerce merchant accounts, or if you would like an ecommerce account of your own through Vision Payment Solutions, then call us at the number at the top of the screen today, and get started toward a more profitable system of processing.

A Small Business Merchant Account As A Helping Hand

So you’re out shopping for a small business merchant account? Where do you even begin, especially if you’re new to the world of business, payment processing, or credit cards? It’s important to consider a few very essential factors in the world of small business merchant accounts, especially considering the sheer necessity of them in times like these. Did you know that fewer and fewer buyers and shoppers out there even carry cash? Credit cards and debit cards – not to mention gift, fleet, and other varieties of electronic payments – are now the standard for accepting payments of any kind for virtually any transaction. This makes it vital that you, as a small business owner, pick the right kind of small business merchant account for your specific entrepreneurial needs, and that you verify its compatibility with your business model.

So what should a small business merchant account do? Aside from performing the other, more obvious functions of typical merchant accounts of any kind, like processing your patrons’ payments and allowing you to make the necessary changes to the system for customer or client satisfaction, a small business merchant account should, above all, do those things without costing you an arm and a leg. Like any investment, you want to make sure that your small business merchant account, in facilitating your daily transactions, isn’t also draining your operating funds to the point where it wouldn’t even be worth it.

Moreover, don’t even consider the option of simply not accepting cards. This tactic will utterly destroy a business, and in a time when it’s hard enough as it is to maintain – let alone grow – your entrepreneurial vision, don’t burn a bridge that could be your out to greener business pastures. A small business merchant account can easily become your best friend if you let it, accepting your patrons’ transactions and funneling the money directly into your account, without the hassle of comparable methods of payment, such as writing checks.

Do you any more questions, comments, or concerns regarding small business merchant accounts? Would you like to set up the perfect small business merchant account payment-processing plan with Vision Payment Solutions, one of the leading companies in the financial services industry? Call us today at the number at the top of the screen, and you can get started with a small business merchant account that will help your business dream blossom.

A High Risk Merchant Account And Its Functions

High risk merchant accounts can be tricky. As with any business service, it can be difficult to obtain the trust or the funding of prospective business partners, if you don’t have the credentials to back up your claims. And of course, if there’s plenty of money to be made, but stumbling blocks in the way, you’ve got to jump over them. There’s no better way to do this than with a high risk merchant account from Vision Payment Solutions. If you have poor credit history or anything else from your past – including the nature of business you conduct or plan to conduct – and you’ve had trouble acquiring any loans or services because of it, consider a high risk merchant account to take care of your business needs.

If you have the products and services, and you know you can make the money, but you can’t get a merchant account due to the above-mentioned criteria, contact us to discuss a high risk merchant account that will work for your business needs and not against you. Although certain terms and conditions, rates and fees, and other factors may apply, you can still acquire a functioning, safe, and cost-effective high risk merchant account of your own – and you can be on your way toward processing those electronic card payments more quickly and easily than ever before!

While anything with phrase “high risk” attached to it might not always sound the most appealing to either party involved, the truth is that there’s a real reason why high risk merchant accounts exist. Although some businesses might have trouble acquiring merchant accounts because of the industries they serve – such as the gambling or adult entertainment markets, to name a few – there are specific set-ups within each particular, individual high risk merchant account that enable them to perform well in those business models while not presenting to much of a risk to other investors.

Have any more questions or comments on the topic of high risk merchant accounts? Would you like to set up a high risk merchant account of your own, so that you can finally have the ability to accept credit, debit, and other electronic card formats from your customers or clients as payments? In either case, feel free to call Vision Payment Solutions at the number above, and we can get you set up with the perfect payment-processing solution for your business demands.

A Debit Card Merchant Account Can Make It Better

A debit card merchant account is much like any other merchant account, but only accepts debit cards. This reduces some risk to the parties involved, because the funds are actually in the customer or client’s account when they make the purchase. It’s always a good feeling to be able to afford something with cash – cash in this context meaning funds directly deposited into your debit account, and not the credit limit on your credit card – and it can be an even better feeling to be able to process it with a debit card merchant account.

The PIN feature of a debit card – and consequently, of the debit card merchant account payment-processing system serving it – is vital in establishing security and peace of mind for the customer. Anyone can fake a signature, but chances are very slim that they’ll be able to fake your personal identification number that you’re asked to enter into the PIN pad with each purchase. A debit card merchant account addresses concerns like these, helping both the customer or client and the merchant to feel more comfortable with the transaction. Moreover, debit card purchases and debit card merchant accounts are far safer than carrying around a big wad of cold, hard cash.

When you’re seeking a debit card merchant account of your own, consider specific contract terms, customization, and of course, more importantly today than ever before, the payment-processing company’s reputability in the service they provide. These can all be assessed online largely, with most of the information being made available to prospective purchasers of merchant account services; it instills trust in the merchant, and is far more likely to pull in a sale that way. Take into account these aspects of merchant services, and you’ll be far less likely to end up disappointed.

Have further questions, comments, or concerns about a debit card merchant account? Do you already know that you would like Vision Payment Solutions, an industry leader in financial services and payment processing for over thirty years, to provide your business with a debit card merchant account that will work toward the development of your business instead of hindering it with ridiculous fees and setbacks? At any rate, call Vision Payment Solutions today at the number at the top of the screen, and you can connect with a friendly operator who knows all about debit card merchant accounts – and everything else you need to know about doing well in payment processing. Call now!

When You’re A Blackberry Merchant, The World Is Your Oyster

Blackberry merchants have it easy – well, at least when it comes to processing their patrons’ different forms of payment and being able to satisfy their customers or clients with quick, easy, secure, and most importantly of all, efficient processing that gets them on their way with a minimum of fuss and no hassles whatsoever, with the exception of reaching for their credit or debit card in their wallets and purses.

Imagine – just a few years ago, if you’d have said you wanted to process your customers’ cards on a handheld device, people might have even laughed in your face. But today, it’s a reality worth fighting for – an affordable one, as well. With Vision Payment Solutions, you can have a complete Blackberry merchant solution to meet the specific and often demanding needs of your business or brand. We will work with you to ensure that your clients experience the best possible mobile processing experience available.

When you’re a Blackberry merchant, you can easily swipe or simply key in your patrons’ sensitive financial data into a safe, secure, and efficiently encrypted system that will process it just as well as any old-school, more conventional point-of-sale (POS) terminal, but in this case, the difference is that you don’t have to be at a counter or tied down to a particular location. You don’t even have to be connected to the Internet at the time to accept a sale on your Blackberry; simply enter the information and access the web later to verify it, if that’s what you choose to do. As a Blackberry merchant, the sky is your limit.

With our convenient add-ons, excellent hardware, software, firmware, and client support, Vision Payment Solutions strives to offer a superior Blackberry merchant experience that will not only help our clients to succeed in business, but will enable them to grow in ways they might have never even considered before becoming Blackberry merchants themselves.

If you have more questions regarding becoming a Blackberry merchant, or if you already know that you would like to become a Blackberry merchant with us, simply call Vision Payment Solutions today at the number at the top of the screen. You’ll be able to speak with a representative who can arrange the ideal Blackberry plan for your business, and in no time flat, you’ll be processing your patrons’ payments with ease and grace, not to mention a better way of doing business overall. Call now!

Virtual Terminals for Credit Card Processing

The basics of virtual terminals for credit card processing aren’t too difficult to grasp – at least when you’re not looking at it from a technical standpoint, but as merchants and entrepreneurs, that’s likely not much of your concern. What you are concerned with, however, is how and why you’ll be able to implement virtual terminals for credit card processing to suit the needs of your business – and more importantly, of course, how the convenience of virtual terminals for credit card processing affects your customers’ or clients’ dispositions, which ultimately results in the volume and quality of business you’ll be engaged in, in future circumstances. Of course, like any wise business owner, you know you’ll want your brand to grow, but it takes time, patience, hard work, and in today’s economy, added perks of modern conveniences like virtual terminals for credit card processing.

So what are virtual terminals, exactly, and what do they have to do with credit card processing? Virtual terminals for credit card processing can be accessed from anywhere in the world, so long as you have an Internet-ready computer or other device. Many even support handheld devices and interfaces that can work with your specific demands to create the absolute best user experience possible. You simply log in to the secure website to begin the process of organizing, managing, and implementing transactions of just about any kind, including purchases, returns, exchanges, refunds, or anything else you need to get done on the fly. The convenience of such systems – virtual terminals for credit card processing – cannot be stressed enough, and as such, you’ll be able to satisfy the needs of your customers and clients virtually anywhere, any time.

Someone have problem with some of the business you’ve done? No problem at all! In fact, when you log into virtual terminals for credit card processing and any of their additional features, you can rectify just about any merchant or entrepreneurial scenario that feels out of whack to your paying patrons. As a business owner, you already know that keeping your paying customer and client base happy and loyal is your number one duty, and today, there’s no better way to do all that than through the use of virtual terminals for credit card processing.

To learn more about virtual terminals for credit card processing, or to arrange the ideal virtual terminal processing solutions to meet your company’s needs, simply call Vision Payment Solutions at the number at the top of the screen today, and you can be on your way to taking full advantage of all modern processing has to offer!