How,Accept,Online,Payments,Wit ecommerce How to Accept Online Payments Without a Merchant Account

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If you operate a small business from your home and have beenthinking of moving it online to take advantage of a"global audience," this article is for you.A lot of people I talk to are hesitant to start selling onlinedue to the "red tape" of getting a merchant account,a secured server certificate, and if needed, shoppingcart software. That is not to mention the huge expense of payingsomeone to put it all together for you.Well, listen up: Forget all of that. I'm here to tell you that you can test the waters of onlineselling without going to a lot oftrouble and expense. There are many third party credit card and onlinecheck providers who are willing to help youget your e-commerce business up and running in no time.Some of them may only work with sites selling tangible goodsand others for intangibles, like services. Beforechoosing one make sure you thoroughly check them out and pick the one that suits your needs.So what do they do? Well, they provide a secured website you can link to, where they process your customers'credit card orders. For all of this conveniencethey take a small piece of the pie, usually rangingfrom 7 to 15%.Let's take a look at a few of them and what theyhave to offer:1) iBill: This is the one I use to sell my promotionalservices. If you sell services or other intangibles, this onewill work for you. There are no set up fees, or software todownload and your services can range in pricefrom $2.95 to $100.00. You do need to makewhat iBill calls a "webgood page," so you needto know how to create a webpage and upload itto their server. iBill takes 15% of the amountcharged during any billing period and sends youa check twice a month. They make it easyto get started, and after signing up you canbe up and selling online within 48 hours.http://www.ibill.com2) Valid Check: I've used Valid Check for yearsto accept online check payments. Being able to accept checks and credit cards is importantbecause it gives potential customers a choicewhen ordering from you. The more choices youcan give them, the more sales you will have.Basic charges are as follows; - $4.95 monthly minimum - $29.95 One-time setup. - Free Secure Order Page - FREE Remote Printing Software* - NO percentage fees - 99¢ Transaction Fee** Once you sign up they supply you with easy-to-set-up links that you can paste into your site.You have two options when it comes to collectingyour money: You can download their free softwareand print out your own checks, or opt for themto mail your checks twice a month (for an added feeof 36¢ per transaction).http://www.validcheck.com3) ClickBank: This is the e-commerce choicefor thousands of business websites. ClickBank canalso be used to set up your own Associate program,where you allow others to resell your servicesor products for a small commision. While this serviceis not available to process payments for tangiblegoods, it is the perfect solution for real-time salesof your services or digital products. ClickBank allowsyou to accept Visa, MC, Amex, and Discover. They charge a one time activation fee of 49.95 and$1.00 plus 7.5% fee on each sale.http://www.clickbank.com/4) DigiBuy: This one is ideal for thoseselling software or information. DigiBuy allowsyou to accept Visa, MC, Amex, and Discover. Set-upis quick and easy. You have complete controlof pricing, order forms, and delivery options.Their fee is 13.9% of each sale.http://www.digibuy.com5)Online Billing Solutions (OBS): Allows you to take all major credit cards. After reviewof their site I could not find if you can selltangible or intangibles, so I'm assuming youcan do both. There are no set-up or monthly fees, but they do take a 15% cut of your sales.It is simple to set up; you place a line ofHTML code on your site, linking intotheir secured server. Transactions can range in price from $3.00 to $100.00 andmoney is paid to you twice a month.http://www.online-billing.com6) CC Now: Used for selling tangiblemerchandise, CC Now is a full serviceelectronic commerce solution. Their integrated shopping cart software encouragescustomers to purchase multiple items at once.It is free to sign up, and they charge no monthly fees, however they do collect a 9% commision on each sale. Pay-outs are twice a month. CC Now allows you totake all major credit cards and notifies youby e-mail of any sales, so you can ship theproduct.http://www.ccnow.com/If you're looking for an easy way to start sellingonline without putting up a lot of cash, this really is the best way to get your feet wet andsee if web selling will work for you. If it does,you can always apply for a merchant account downthe road and save on the transaction fees.The ability to sell your products/services onlineis not difficult or expensive, you just need to know where to look for help.