how i can have Merchant account ?

Question

i need this account to proccess creadit card

Answer 1

There are multiple credit card processors who may be able to offer you services. Paypal is an option, too, if you are going to be processing e-commerce transactions. A Yahoo search for "credit card processing" will bring up thousands of choices. The trick is to pick the right one.

One of the most frustrating aspects of any small business owner’s day-to-day operations can be choosing the correct merchant processor. One of the most common reasons for this frustration is the level of difficulty involved in interpreting the true meaning of the proposals, statements, rates, fees and equipment costs that merchants have placed before them. If armed with the right information and prepared to ask the correct questions, though, any merchant can easily make the right decision for their business needs.

For starters, it is important to note that Visa and MasterCard (the card associations), and not merchant services provider, receive the majority of the fees that merchants pay for their processing services. The remainder of the fees, or the margin, is what the merchant processor receives. The card associations have designated over 240 different card categories that each merchant processor must recognize and process. Every merchant processor, no matter how big or small, is charged the same rates and fees by the card associations and every merchant processor differentiates each card category utilizing exactly the same card category name as designated by the card associations.

The card categories are designated in the following manner:
1.)Industry – Retail, Restaurant, Hotel, Government, Utility, Service Industry, Gas Station, Supermarket, etc.
2.)Type of Card – Personal Visa or MasterCard, Visa or MasterCard Debit, Visa Rewards, MasterCard World, Commercial Visa, Corporate MasterCard, etc.
3.)Method of Processing – Face-to-Face (swipe), Mail Order/Telephone Order, Key Entered, E-Commerce, etc.
4.)Processing Efficiency – Address Verification, Authorization/Settle Match, Timeliness of Settlement, etc.

These categories are as diverse as they seem. If a cardholder uses the same card to buy something from a retail establishment, lunch at a restaurant and pay their electric bill, all three of these transactions will be designated as a separate card and rate category. If a retail establishment accepts two different types of cards (ex. - a Visa Debit Card and a Visa Rewards Card) for a purchase of the exact same amount, both of these transactions will be designated as a separate card and rate category. The same is true for a Face-to-Face transaction as opposed to a telephone order. Furthermore, if a merchant does take a telephone order and doesn’t enter the required cardholder information, the transaction will be downgraded to a higher priced card and rate category than a properly executed telephone order.

So what does all of this mean to merchants?

For many merchants, the hardest thing to do is accept the fact that the merchant processing system, to some extent, simply is what it is. There really are that many card categories. There really are that many different rates and fees. Your merchant processor deals with and manages this system – they do not have the power to change it. Any merchant processor who claims to be dealing with a better or more advantageous system than other processors isn’t being honest.

Sure, some merchant processors offer a simplified statement format with bundled categories, but only to keep from disclosing individual rates. The simpler the statement format the less a merchant knows about what their true credit card processing costs are or should be. A simple statement also makes it very difficult to perform an accurate comparison to other programs. For many merchant processors, their most successful customer retention tool is their customer’s complete inability to understand their services.

Every merchant should insist that their merchant processor identify and define the rate category of every type of card they receive so that there is a better understanding of what fees are being paid, why the fees are paid, whether their processing can be done more efficiently and if their processor offers truly competitive services. It is only after this information is divulged that a true and direct comparison can be made. Any processor that will not assist a merchant in achieving these goals either has something to hide or is not able to offer the services that any customer has the right to expect.

Answer 2

Open a paypal advanced account. Then you can accept credit cards.

Answer 3

Open a paypal account. Then you can accept credit cards.

Answer 4

a

Answer 5

http://www.free-merchant.com/

Answer 6

yoU nO caN havE
yoU havE nO businesS witH crediT carD

Answer 7

dunno