September 2013

Use Payment Gateways To Accept Payments on Your New E-Commerce Website

Do you have a business with a physical location that allows customers to come in and shop or hire you for services? Perhaps you would like to set up a website so that you can increase your customer base by allowing your customers to interact with your business online in order to eventually make some type of purchase.

You can always start with a free website service so that you are not spending a lot of money before you really get started. Your website should have an “about” page as well as pages that list your products or services in detail. Images are always helpful as well. Don’t forget to add a way for customers to contact you either by email, a contact form, or even a business phone number.

Choose a name for your website that makes the nature of your business obvious. For instance, rather than naming it “Bob’s Site”, you might name it “Bob’s Plumbing Service” so that the search engines can see the nature of your business. It is always helpful to have a blog as well so you can share events, tips, and other information while you direct traffic to your site.

Of course you also have to set up payment gateways if you are going to be accepting payments online. Payment gateways allow your customers to make payments using an electronic check, credit card, or debit card. Setting up payment gateways through VPS will allow for ease of processing so that you do not have to worry about collecting payment. You simply fill the orders as they come in and let the website speak for you and your business.

Keep your site up to date and active. You might even want to post reviews of your products or services so that people know what to expect from your company when they place an order on your site.

Using payment gateways is a great way to securely accept and process payments on your E-commerce web site. Vision Payment Solutions can easily tailor  a payment plan for your business. Contact us today!

Online Credit Card Payments Safer than Real Life

With an online credit card merchant account you can easily accept secure online payments that can be deposited into your bank account in only a matter of hours.

There are several reasons that people are turning to websites that have an online credit card merchant account to do their business. Convenience plays a large part in the whole process, but it is not the only reason that people are doing more and more shopping online today. Safety is another reason and the ability to easily return to the same place to do more shopping is another. Gas prices are a pretty strong motivating factor as well.

VPS can help you set up an online merchant account that will allow you to offer your customers the ability to pay for services or products from the comfort of their own home, but some people are still nervous about this method of payment. Some just do not feel safe using their credit card online. The irony is that an online credit card merchant account is actually safer than paying for something in person while using your credit card.

The fear is that all of the personal information that is used with a merchant account credit card will somehow be shared with the entire Internet or that the seller will obtain and keep the information. The truth is that the seller will only have access to the shipping address and name. However, when people pay for things in person people can take pictures of the credit cards with their cell phones, which is something you obviously can’t do online. When it comes to identity theft, you do not have to worry about the merchant account. Credit card theft is usually done by hacking into the system that holds the credit account itself, not the places where the credit card is used. To that end, shopping online may actually be one of the safest methods of shopping that is currently available and it is convenient as well since you can do it from your own home.

Keep your online payments safe and secure with payment processing from Vision Payment Solutions.

Internet Merchant Accounts and Merchant Account Providers

An internet merchant account is an account with a bank or institution that allows the processing of a credit card online. Internet merchant accounts allow online customers the option to purchase their items with a credit card, thus becoming an important tool for online merchants.

Internet merchant accounts are maintained between a merchant acquiring bank and the acceptor, and oftentimes merchant service providers are part of the agreement, as well.

A merchant service provider is a provider that is sponsored and recognized by a bank to be in stable financial condition. Many people may wonder how to tell if a merchant service provider is registered and in compliance with a particular bank. Both the bank and the provider must state this information clearly, as to leave no doubt on the issue. If this information is not stated clearly, there are penalties to either party. Making sure that such a provider is a registered ISO (independent sales organization)/MSP (merchant service provider) of a bank should be the first thing you look for when searching for a provider.

Before, or maybe in the middle of searching for an ISO or MSP, some might question why they are searching for a MSP, instead of working directly with the processor. This is a great thought that should be addressed. While cutting out the middleman often eliminates extra time and money, in some cases it doesn’t. Just with many small organization and groups, it can be easier to get personalized help and information, than it is going to a large group with many, many members. The same goes for using an ISO or MSP. Oftentimes they can provide to you better service for your online merchant accounts, and more help than you might receive going to the processor directly. They can help you on a more personal level and they often offer a wide range of services from pay advances, to specialized equipment.

So when you begin to wonder if online merchant accounts are a good idea, first start by looking for a registered merchant account provider. This will eliminate a lot of issues merchants face by turning to a provider that is not registered with a bank. Next, shop around and compare prices, fees, and services the provider offers. After you have done your research, you should have been able to find a merchant that can offer you everything you need to maintain and increase your business online.

Why Every Business Needs a Merchant Account

Using a merchant account to accept credit cards online is a great way to increase your business without much effort.

If you have a business of any kind, you need to have a merchant account. Credit cards are becoming a much more popular method of payment than cash. If you are going to have any kind of sales, you need to be able to accept as many forms of payment as possible. If you do sales through your website, merchant account credit card online acceptance is one of the very few ways you can even accept payment.

VPS can help you get set up with your merchant account. Credit cards have to be processed in a very specific way and you do not want that service to cost you any more than is absolutely necessary. That is just one reason why VPS is your best source for credit card merchant services.

Even if you do not have a website, you should still be set up to take credit cards and if you want to do business for any length of time, you really need to get a website set up. More and more people are taking advantage of the ease of shopping that comes with credit cards, but many of them are doing it at home on their computer. If you do not have a website set up that can take credit cards, you may not be in business for long.

Offering the ability to take credit cards does not just mean you get to streamline your payment system. You can offer refunds in a much more convenient way for your company as well. You can also offer things like subscriptions that allow people to make monthly payments that can be scheduled on their credit cards. All the way around, this method of payment is a way to offer more to your customers without having to inconvenience yourself. Credit cards offer a win/win situation for you as well as your customers.

Hands down, every business needs a merchant account. Contact VPS today to create a merchant account today!


Does Accepting a Credit Card Show Signs of a Reputable Business?

Accepting credit cards is a way to easily increase revenues and should also increase your average transaction amount as well.  People are more likely to spend more when they use a credit card.

When you browse online for items or services to purchase, you are confronted with a multitude of businesses. This can make it difficult to decide which business you should go with because you only see their website. To help you make an educated decision, there are some questions below that you can ask yourself about the site before you buy anything.

How do you pay? Sites that are accepting credit cards are sites that use companies like VPS to process their payments. This means that though the site is accepting credit cards, the merchant account is getting the information, not the business owner. A Verisign logo on the site is always a good sign as well.

What do the online reviews say? You can always use your browser to search for reviews. Make sure to check in multiple places so that you can get a good idea of how the company does business. Do not just read the reviews on the site itself because they are probably going to only post the positive ones on there. You can also check out their blog to see how they interact with customers who post comments or questions, even if they do not pertain to the products.

Is there any kind of guarantee? Sites that can offer a guarantee or money back policy are confident enough in the product to offer you a chance to return it if you do not like the product or it was not what you expected. When you read the reviews, be sure to pay close attention to what people say about the company response to the return or replacement policy. Keep in mind that some people are just never happy, while others go out of their way to voice appreciation for a company that can and does keep its word.

Vision Payment Solutions can help your business be more reputable by accepting credit cards. If you have any questions, please contact us today at (877) 674-2286.

How to Choose the Best Credit Card Processor

When choosing a credit card processor be sure to do your research to ensure that you are using a quality vendor.

When you decide to start taking credit cards as a form of payment for services or products that you sell, you are going to have to choose a credit card processor to handle those payments. If this is your first time going through this process, you may not know what to look for in a provider. Below you can learn about some of the things you should consider as you go about picking a credit card processor for your business needs.

What are the fees? Comparing rates is always a good place to start, but should not be the only thing you take into consideration. For instance you might compare VPS to some other credit card processor and find that VPS rates may be a fraction higher, but the other company has been involved in several lawsuits over the past few years. Sometimes you just get what you pay for from a company. We can ensure a competitive rate for your business.

What is the turn-around rate? How long does it take for the funds to be processed and put in your business account? Since most companies work in real time, the amount of time it takes to process the payment and put it in your account should not be very long. If it is, then the company may not be using the most up to date software, which also means it may not be as secure as you would like.

What do the reviews say? One of the most beautiful things about the Internet is that you can get a review of just about anything just by using your browser. Try to use critical thinking when you read the reviews because people are going to put themselves in the best light possible, but still consider the details of what you read. If you see an issue mentioned once, it may not really be an issue. If you see it mentioned multiple times, it might be something you need to think about.

Vision Payment Solutions has a stellar track record and can help your business find the right credit card processor. Whether you are processing 100 transactions or 1,000–we can help!