December 2013

Choose the Perfect Payment Gateway: Online Credit Card Merchant Account

If you have an online business, then it is important for you to choose the perfect payment gateway that suits your business. The ability to take a variety of payments will increase the amount of online sales you receive. Shopping carts should be simple in style and capable of taking any type of payment including checks. Shoppers want online security when they pay with their credit or debit cards and eChecks.

Choose a vendor that ensures your customer’s data is secure. Vision Payment Solutions is the answer to your ecommerce payment solutions. Businesses of all sizes can benefit from secure payment tools found at VPS. A payment gateway links your online store to your merchant account. Your business reputation relies heavily on secure payments. VPS offers a variety of tools for businesses in all types of industries.

If you are a new online business, then choose a webmaster that is familiar with the latest marketing techniques and payment gateway systems. Your website gives your visitors their first impression of your business. Take the time to choose an experienced webmaster and marketing professional. Marketing will ensure your website receives enough traffic to increase sales. If you are short on cash, learn everything you can about online marketing techniques. This will take some time but will payoff in the long run.

VPS offers secure payment solutions for many types of businesses. Whether you are selling a product or service, your website should take all types of payments. Online shoppers are accustomed to using their debit and credit cards for their purchases. You will occasionally have shoppers who insist on paying with an eCheck. You should accept eChecks because at least 20 percent of your customers will choose this type of payment. If you’re new to online business practices, you will want to serve customers who pay with a variety of payment systems.

Choose VPS for your secure online payment solutions. Ready to learn more? Contact us today! 

High Risk Merchant Accounts Meet Specific Needs

In order to accept and process credit and debit card payments from your patrons, you need to have a merchant account. However, just like credit cards, there is a risk evaluation in determining whether or not you can qualify for a standard account. Given that being able to accept credit card payments is crucial in today’s economy, you might need to consider applying for a high risk merchant account in order to get started.

High risk merchant accounts are designed to serve several purposes. You may have a brand new business with less funding and credit than required for standard merchant accounts. The other primary reason for needing a high risk merchant account is if your business is in an industry where there is a significantly higher chance of fraud or chargebacks. These include such operations as adult entertainment and gambling, multi-level marketing, dietary plans and supplements, bail bonds, pawn shops and subscription services, among others. It is especially difficult to be approved for a standard merchant account if your business operates exclusively online, as you are also vulnerable to having your accounts hacked.

If you have applied for and been turned down for standard merchant accounts, you need to carefully investigate high risk merchant accounts. Many providers of these types of accounts charge significantly higher fees due to the risk they are agreeing to. Be sure to read the terms carefully so you don’t get caught by surprise by excessive charges or other restrictions that may hamper your ability to operate and grow your business.

At Vision Payment Solutions (VPS), we understand how frustrating it can be to find a reliable, affordable high risk account, and that’s why we offer several options for those who need an alternative way to establish a merchant account. We’ll review your situation with you and show you the options that will work best. Although there are some businesses we cannot assist, we have plans that can work for nearly every company that cannot qualify for a standard merchant account. We can even customize the programming to fit your company’s specific needs, making it simple and quick to process credit and debit card payments.

We provide complete solutions for your credit card processing needs, regardless of your risk assessment. Give us a call today at (877) 674-2286 or visit our website, We’ll be happy to help you find the affordable, reliable products for your processing needs today and into the future.

Mobile Credit Card Processing: A Must Have for any Business

In today’s economy, the business model of shipping goods or providing services, sending a bill and waiting for payment is rapidly becoming outdated. With handheld and other mobile devices, more transactions are being handled on the go than ever before. This is now commonly including payment for services or goods. With little more than a small attachment connected to a mobile device, you can offer your customers the ability to pay on the spot, speeding up transaction processing and delivery times, as well as improving your cash flow.

Mobile credit card processing has rapidly become so widely accepted that many customers now demand the service. If you don’t have the ability to process payments immediately, you may be losing business to your competitors. Luckily, it isn’t difficult to get started. You won’t have to make a major investment in new technology or hardware, and your employees can be trained in a matter of minutes on how to handle the transactions.

To get started accepting mobile payments, you’ll need just a few things. You’ll need peripheral card readers that will attach to handheld or mobile devices, the software to run the devices and process the payments and merchant accounts with a credit card processor. If you are already accepting credit or debit card payments in your physical location, the merchant accounts you have will suffice.

The software you’ll need will depend on what type of devices you are using. It’s a good idea to ensure that all your employees who will process mobile payments have the same type of device. You’ll also want to ensure that what they are doing on the road flows through to your business records. Otherwise, inventory could easily be in error, and you may not record payments properly.

At Vision Payment Solutions (VPS), we offer everything you’ll need for to provide mobile credit card processing in one easy-to-use package. We’ll help you set up your merchant accounts, if needed, and provide a customized software package that will seamlessly integrate with your existing accounting and inventory programs. We have all the latest devices and peripherals, and we’ll provide the training so your sales staff can hit the road with confidence.

Whether your company is small or large, we have the solutions for all your mobile credit card processing needs. Call us today at (877) 674-2286 or visit our website,, to see how easy it is to bring the latest technology to your business and offer your customers the ability to complete transactions on the spot. In no time at all, you’ll be ready to send your sales staff into the field armed with the technology of today.

3 Tips for Business Owners to Save on eCommerce Credit Card Processing

Whether your business is large or small, if you accept credit cards for any type of services or products, it is a fact that you will have 1) widened your customer base, 2) maximized your sales volume, and 3) quickly created a transaction to ensure that your customer will swiftly purchase your services or goods.

Just as consumers try to find the best deal, it is extremely important for business owners to also take the right steps when it comes to ecommerce credit card processing. What’s a business owner to do? As a leader in the ecommerce field, Vision Payment Solutions has had over 30 years of experience and knows how a business can save money. Here are 3 easy tips to save money on ecommerce credit card processing.

  1. Explore the options available. Although this may seem extremely basic, we have seen it time and time again. Business owners come to us complaining that they had actually researched the field. We encourage you to explore your options—we understand. We want you to find a reliable and secure solution. Your business only knows what’s best for them. Don’t let someone else tell you what you need.
  2. Ask for all hidden fees. Many times, business owners come to us because they see how transparent we are. Business owners assume that their credit card processing expenses are the only thing they will get charged—but sometimes there is more than meets the eye. VPS does not hide anything from you. When you choose to work with VPS, there are no hidden fees. We want to make this process as simple as possible. We understand that you need to run a business; we will make it as easy as possible for you to understand all the fees that will be charged.
  3. You pay for what you get. Many times, business owners focus on the “best deal” that they can find. However, when it comes to merchant services, it is extremely important to ensure that confidential financial information is never compromised. As a PCI complaint merchant services provider; we will take all the appropriate and necessary action to ensure that your customer’s financial information is always kept safe.


Ready to take your business to the next level? VPS can help you today. Our team will create a completely customized merchant solution for your needs.

ANY Business NEEDS Merchant Account Credit Cards

A merchant account is for businesses that accept credit card payments. The account will have all of the funds transferred into it each time a payment has been taken from a customer. There are several factors that take place for a business to accept credit card payments.

First, the business will have to be set up with the equipment to accept credit cards. The equipment available is for businesses that have a store, operate through their online website, or have employees that are on-the-go. When employees are on-the-go and do not sit in an office, they can accept credit card payments through a device attached to their smartphone. They will just need to ensure they a have access to the internet from their phone in order to know if a payment has been accepted or denied. The customers can even sign for the transaction on the touchscreen of the phone using a stylus pen.

Each type of major credit card accepted is going to have a fee that is associated with it. Visa, Mastercard, Discover, and American Express will all have different fees that will be charged to the business when the card is swiped. The fee amounts are generally small and are often unnoticed. The business will be able to decide on what major credit cards they would like to accept. They do not have to offer all of them just because they are available. It will be up to the business on which types of major credit cards they would like to advertise. This way, customers will know which types they can use.

Businesses will have access to reports at any given time. The reports will be able to advise on how many transactions were taken, the amount of each transaction, and the amount of fee associated with the transaction. This will help businesses to keep track of their funds and ensure there is less room for errors to occur. The reports will all be saved in a computer program and do not have to be printed out unless you want them to be.

To get started with taking credit card payments, be sure to get in contact with us today. We will be able to get you the equipment you need, set up credit card acceptance on your website, and answer any questions you have. Don’t hesitate; give us a call today to make your business more successful by expanding with credit card payments.