credit card terminal
How To Get An Inexpensive Merchant Account

Free Credit Card Processing Software

Free Credit Card Processing

Nowadays, it is actually hard to run a business without being able to perform a credit card transaction.

Mainly because selling services and products online, you must make sure you are able to accept credit card payments from your clients. Normally, credit card processing includes lot of things such as confirming the expiry date, clientÕs credit card number and some other information related with credit cards.

In case, you are new to the online business, the free credit card processing service can be a great alternative for you. This is because you do not have to pay fees for customer service, monthly gateway fees, credit card processing software and also for a secure server to utilize free credit card processing service.

Most of the free credit card processing businesses charge just a monthly percentage fee or a nominal bill per transaction. Thus, free credit card processing assists you to save a sufficient amount every month.

This service does not work perfectly when merchant accounts are included. Ordinary credit card processing includes a discount fee, a license fee, a minimum fee, a statement fee and also start-up fee. However, the 3rd party credit card processing service businesses can also be resourceful for those people who are in search for a cheaper means in order to accept credit cards online.

These businesses even offer free credit card processing services and their merchant account does not charge any kind of fees.

Free Credit Card Processing Software

There are many other tools that are important apart from merchant accounts, which are very helpful to business personnel when accepting credit card payments on their sites.

For instance, there is special software which assists business personal in processing and accepting credit card payments. MacAuthorize, PCAuthorize and IC Verify are some of the softwareÕs commonly used and are helpful to process credit card payments. Yet another kind of software that most of the business personals can install on the site is one such software that provides their clients with an alternative of shopping cart.

This allows them in keeping a track of their purchases which they have made. One of the most frequently used shopping cart software is the Kickstart Cart Software. This software is believed to be one of the most suitable softwareÕs in the market.

However, when the business personnel want to install this software on their site, they must try to use one type of software that is very easy and which even needs the execution of only a few steps. This is because most of the clients tend to get upset with this kind of softwareÕs that needs too many steps to be used.

Apart from setting a merchant account these business personals even require to use other tools that are equally important. Some of these software include those softwareÕs which allow their clients to do purchases online. Anyhow, to choose software which the business personnel would likely install on their sites, they would require ensuring that this software is user-friendly.

This is mainly because this would help them in making the online purchasing process quite suitable for their clients.

By Hiresh Naidu | Contributor


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What is inexpensive?!

An inexpensive merchant account is...
  • Not bigger than you are.
If you are small, you don't need all the bells and whistles. Online only? You may not even need a merchant account of your own yet!
  • Competitively priced.
Why not just the cheapest? Fees matter, of course, but remember a bad provider can be the most expensive of all if it ties up your funds, has poor products and support, or goes out of business.
  • Well-known and respected.
See above. Charge.com has been around since 1996 and received a number of accolades.
  • Free to apply for and setup.
This industry is too competitive to require application fees.

Competitive pricing:*

internet/mail/phone
2.25% discount rate
25 cent transaction fee
Retail (face-to-face)
1.85% discount rate
25 cent transaction fee
Gateway fee
$17 month
Statement/service fee
$10 month

If you are considering several merchant accounts and the prices are in this range, stop using price to compare. It's time to compare service, support, features, etc. Look beyond price.

*These rates are taken from Charge.com.


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