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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?