How To Accept Credit Cards Without a Merchant Account

How To Accept Credit Cards Without a Merchant Account
by J. Stephen Pope

To increase sales on your website, you must accept credit
cards. To process credit cards, you could apply for a
merchant account through your bank or other financial

Sometimes, though, you would be further ahead to use the
services of a credit card processor. This is especially
true when you are first starting out and have more
limited resources. In this way, you may process credit
card transactions without the high front-end costs and
requirements of a merchant account.

Here, then, are just a few ways of accepting credit cards
without a merchant account. I personally use all of these
vendors and can recommend them wholeheartedly.

1. Clickbank

If your product is downloadable (such as electronic books
or software), you might consider . For a
$49.95 initial fee, you can process credit cards and
on-line cheques for $1.00 per transaction plus 7.5% of

You receive additional exposure through free listing on
their website and through the search facilities of other
websites, such as .

As an added bonus, you have your own built-in affiliate
program. You decide what commission (from 1% to 75%) you
would like to pay your affiliates.

2. PayPal has no initial fees. For just 2.9% of sales
and $ .30 per transaction (and sometimes less), you can
receive money from anyone.

Also, you can pay others by credit card or chequing account
without supplying your personal credit information to the
payee. PayPal can be used to collect money from your
auctions, website sales, or even from friends or clients.

3. PaySystems can handle either intangible (downloadable)
or tangible (shippable) products. For an initial fee of
$49.00, you can accept all major credit cards as well as
online checks. Fees are just 3.95% of sales and $1.00 per
transaction. Alternatively, you may pay 5.5% of sales and
$ .35 per transaction.

For this, you receive shopping cart, integration with
third-party affiliate programs (such as ),
fraud screening, multi-currency transactions, toll-free
support, marketing tools, and more.

For more information on how to accept credit cards without
a merchant account, visit:


J. Stephen Pope, President of Pope Consulting Inc., has been helping clients
to earn maximum business profits for over twenty years.

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