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Things to Consider
Research is ‘all important’ when looking at Merchant Accounts outside of PayPal.
Algirdas takes the legwork out of the process and provides a look at the Merchant Account offerings that are available. They also provide a Top Ten List where you can compare side-by-side the best of the best, as well as review the rankings of all Merchant Accounts.
If you are considering another Merchant Account, there are a few things that should be looked into:
- Are there special requirements such as having to open an account at a bank that is not local?
- What is the Merchant Account going to cost me?
- What are the monthly recurring costs?
- How much will each transaction cost?
- Are there setup fees?
- What are the Merchant Account’s policies concerning charge backs?
- What are the costs by my Bank for each deposit? Many merchant accounts transfer each transaction so each deposit can cost you a fee at your business account bank.
- What types of products can I sell?
- Does the Merchant Account allow me to sell physical items (Things I ship)?
- Does the Merchant Account allow me to sell e-Books and downloadable items
- Does the Merchant Account only allow me to sell one but not the other?
- What types of Payment are accepted?
- Does the Merchant Account allow me to accept Credit Cards?
- Does the Merchant Account allow me to accept Checks?
- Does the Merchant Account allow me to accept Email Payments?
- Does the Merchant Account allow me to accept FAX Payments?
- Does the Merchant Account allow me to accept Payments by Letter?
- Does the Merchant Account allow me to accept Payments in Person?
- Does the Merchant Account allow me to accept Payments by Phone?
- Does the Merchant Account allow me to make Bank Transfers?
- What type of Tech Support is offered?
- 24/7 Support?
- 1-800 number access or by email only?
- What do the reviews say about their tech support?
- How easy is it to incorporate their shopping cart on your web site?
- Are there restrictions on the number of payments you can accept at one item at a time?
- Do you have the ability to restrict payments from various countries?