Further Information To Help You
Evaluate The Top Reputable
Internet Merchant Accounts

Charge.com is very highly recommended. Pay $0.00 for your software to accept online payments. Charge.com was one of the first credit card processing companies to offer Internet merchant accounts. It provides free applications, free setup, a free shopping cart, free Internet check software, free technical support and free search engine submissions. Charge.com has received the highest ratings from AOL, Apple Computers, Excite and others.

Online applications are often approved the same day. If you find another provider offering a lower advertised purchase price for the same software within 30 days of becoming a Charge.com merchant, it will refund you the difference in price - and also pay you an additional $100.00.

Charge's Internet merchant accounts, real-time credit card processing and virtual terminal solution enables both automated credit card processing for website orders and manual processing of email, phone, mail, fax and face-to-face orders. Both you and your customer receive email confirmation of the order. The funds from the transaction are transferred to your bank account within 2 to 3 business days.

The Transaction Group has been a long-standing leader in helping companies to accept all major credit card payments over the Internet in an easy, secure and cost-effective manner. The Transaction Group’s Internet based software solution, Authorizenet, is a secure real-time environment transaction-processing gateway. Merchants can use Authorizenet to submit, authorize, capture, and settle credit card transactions without the need for a separate transaction terminal or processing software. Credit card transactions are authorized in real-time (immediately upon submitting), through your website or virtual terminal. Automated Clearing House (ACH) collections,also known as Electronic Checks, are also supported by Authorizenet

And if you are currently processing and are looking to lower your rates, contact them for a free rate analysis.

With a vast array of processing solutions to choose from, it is almost certain that you will be able to effortlessly accept as many forms of payment as possible. United Bank Card supports gateways such as Authorize.Net, Paradata, and UBC's own payment gateway.

UBC offers flexible solutions based entirely on your needs. It is possible to integrate the payment solution with your website or have a completely separate site. A virtual terminal solution is available for businesses that have a website and an order system and only need a method to collect the payment.

Applying and getting set up for a merchant account has never been this easy. UBC promises approvals in 24 hours and installation in 48-72 hours!

Total Merchant Services certainly qualifies as a top provider of Internet merchant accounts. It offers an automatic approval so that you begin to accept credit cards almost immediately, provided that your VISA/MasterCard monthly credit card processing volume is less than $10,000; your average item for sale sells for less than $300; your future service liability is less than 30 days; and your business type is not on its prohibited list. If you don't meet the auto-approval guidelines, you may still qualify if you have a good credit history or provide financial statements.

Moneris Solutions® can help enable your website's online payment method. Whether you've decided to expand your brick & mortar store by offering your products on the Internet or you already have a web store, Moneris Solutions® is there to make the process smooth and simple.

goEmerchant is an excellent choice for those seeking a total package including website creation, hosting and credit card processing, all for just $39.95 per month.

goEmerchant.com provides more than a mere storefront from which merchants can sell their goods and services on-line.

The Internet Store makes it easy for you to build your web site online. You don't need to know how to do any programming. If you can type, you can open your own Internet Store.

The Internet Store includes: Web Site (Internet Store); Shopping Cart; Payment Gateway (credit card processing); Virtual Terminal; and Merchant Account. It can also simply snap into any existing web site with a hypertext link.

Fixtures include a pre-integrated merchant account; built-in cash register; on-line, real-time credit card processing; virtual terminal functionality; secured transaction processing using SSL technology; unlimited product search engine; automated e-mail confirmation to all customers; a hit counter (customer counter); and 24/7 merchant upgrade and edit capabilities.

Merchant Express' pricing for its Internet merchant accounts and credit card processing solution is available through its representatives, when you apply. It will provide you with a written guarantee that it will not raise the discount rate charged to you for its Internet merchant accounts, unless VISA/MasterCard raise their rates.

WebLink: Allows you to link your website to the system in order to accept credit card payments from customers in real-time with complete automation. A free shopping cart system is also available with Internet merchant accounts.

Virtual Terminal: Enables you to manually process mail and telephone credit card transactions.

A live demo of how your credit card processing activity will work is available at its website, for both Weblink and the Virtual Terminal.

ADC (Automated Direct Connect) provides a mechanism to link more complex websites with the transaction gateway server (requires custom programming). Electronic check withdrawals are also supported on the Authorize.net system (additional fees apply).

Through Authorize.net, Merchant Express offers a wide range of fraud prevention and detection tools with its Internet merchant accounts. Some of these tools are included in the standard Authorize.Net payment gateway and others are additional services that may be subscribed to in order to further help you detect and prevent fraud.

Receive a free payment gateway, valued at $495. No upfront payment and no lease payments.

Features free tools including a virtual terminal, shopping cart integration, recurring billing, online ACH checks, check guarantee/conversion, and more.

Customizable fraud and risk management system helps you maximize sales and minimize risk.

Supports most available shopping cart software so it integrates easily with most e-commerce solutions.

Cardservice International is a global leader in providing real-time, secure credit card transaction to more than 185,000 businesses in both the traditional and Internet marketplaces.

You can download a free copy of their Merchant Account Buyers Guide to help you make intelligent choices when selecting the best Merchant Account Provider for your business.

LinkPoint Secure Payment Gateway is for start-up merchants who want to get online fast, as well as for merchants who already have a Web site and want a secure, fast and reliable e-commerce payment solution (with the protection of 128-bit Secure Sockets Layer (SSL) encryption, as well as state-of-the-art fraud-protection features).

LinkPoint Central incorporates two of the main processing products, LinkPoint Basic and Virtual LinkPoint. LinkPoint Basic is a payment-posting tool that uses HTML. LinkPoint Basic supports sales, returns, real-time authorizations, purchasing cards and real-time reports. 

Virtual LinkPoint, which empowers merchants with the Internet equivalent of a point-of-sale (POS) terminal and software, is ideal for the merchant who requires a PC-based solution. Virtual LinkPoint enables merchants to process credit card transactions via any Internet-connected computer (including orders received from a Web site or via telephone, fax, mail or e-mail.

Start Up Fee or Lease: To be able to accept credit cards on your website, you can expect to pay a one-time start up fee for use of the provider's processing facility, when first commencing your real-time merchant account. The actual fee can vary widely from company to company ($100 to $1,000).
Alternatively, you may be able to lease the virtual facility, and make monthly payments. You'll find that leasing can be much more expensive, when you add up all of the monthly lease payments and compare that figure to the cost of one up-front payment. When selecting a service to allow you to accept credit cards, it is wise to assess the whole package of credit card processing fees being charged to determine which package is best for you.

Gateway Fee: Your processing service will almost always charge you a monthly credit card processing fee known as a gateway charge (usually $10 to $35) to cover its costs of accessing the gateway service utilized.