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Accept Payments Online - Without a Merchant Account!

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Written by Ray Edwards

Tuesday, 06 May 2008

by RayEdwards

People just starting their online business often run into a snag - how to accept payments without a merchant account. Perhaps they can't get an account, or are worried that they will be refused due to a spotty credit history. This can be the hardest part about setting up an online business.

Good news! There are ways of accepting credit card payments without having a merchant account. I'll share two of those methods with you.

I've added a third solution to this list. This is for those who really want to establish a merchant account, but may have problems because of a spotty credit history (or other reasons). This solution can help for almost everyone starting out in business.

These three solutions can help solve your payment problems:

Clickbank. Accept payment for your digitally-delivered products using major credit cards or e-checks. For a nominal fee (around $50), Clickbank can help. You don't have to handle the transactions or the payment. Clickbank accepts the payment, takes a small percentage, and sends you a check. Some people think that Clickbank is too expensive, but when I look at all the services they provide (including refund and bookkeeping services), I think it's a good value.

PayPal. Studies prove that having PayPal on your sales page can boost conversions. Offer this as a payment option, and you will make more sales. Just like Clickbank, PayPal will handle the entire transaction for you. Your customers can use any major credit card, even e-checks, and they don't need a separate PayPal account.

PowerPay. If you don't want to use a work-around, like Clickbank or PayPal, and still think you would like to have a merchant account, but you have some spots on your credit record or you've been turned down in the past, I recommend you check out PowerPay. Judd Smith and the people at PowerPay are very experienced with online marketers and they are a lot more helpful at getting your merchant account set up. Here is their website: http://ipowerpay.com - The best Merchant Account for online Marketers.

Take the worry out of setting up your merchant account. Try one of these simple solutions, and get ready to collect payments, fast!

About the Author:

For an inside look at the techniques of a top direct response copywriter, visit the site of Copywriter Ray Edwards. There you'll find many marketing resources and copywriting advice.

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