Accepting Credit Cards without a Merchant Account



 
 

Do you want to accept credit cards at your business but do not wish to get a merchant account? A lot of people are hesitant to start accepting credit cards due to the difficulty of getting a merchant account or due to the expense of paying someone to put it all together for you.

Now you can accept credit cards without going to a lot of trouble and expense. There are now a growing number of third-party merchant account services that allow internet merchants to accept credit card payments on their Web site without the need of a merchant account. Instead, transactions are processed through the third-party providers' accounts. They charge a processing fee with each transaction that's higher than the discount rate charged by regular merchant account providers.

 

Third party merchant account services

They do so by providing a secured website you can link to, process your customers orders, and receive those payments. Many of these services come complete with valuable additional features, for example a built-in shopping cart, 24x7 customer service, and the ability to accept other forms of online payment.

This makes third-party processing services perfect for small businesses just getting started that lack established credit and generate less than $1,000 per month (U.S.) in sales. These services are also popular with non-U.S. businesses, with businesses selling content and services, and with older businesses that have poor credit.

Here is a list of third-party merchant account services who are willing to help you get your business up and running.

NOTE: You should contact the service provider to check their current rates since they are subject to change.

 

 

 

TeleCharge by CardService International

 

Recommended for low volume Off-line merchants

TELECHARGE allows you to accept credit cards WITHOUT having a merchant account! Telecharge is the ultimate credit card processing option for almost any small or new, start-up business. Telecharge is your ability to process credit cards through our corporate offices merchant account.

Telecharge transactions are processed through a toll free number. Any touch tone telephone can be used. So there'll be no equipment costs and no monthly minimums.

After processing the order over the phone you then fill out a charge slip for each order and send it in via fax or regular mail. If your customer is with you at the purchase simply have them sign in the "customer signature" field. If it is a mail order, internet order, phone order, or other type of order in which the customer is not present to sign you simply indicate in the "customer signature" field - "mail order" or "fax order" or "phone order" etc.

Funds from each credit card transaction are transferred directly into the merchant checking account within 5 business days of receipt of the charge slip.

As your business grows you may need to upgrade to obtaining your own business merchant account for your credit card processing needs.

 

Application Fee: FREE
One Time Set-Up Fee: $199.99
Monthly Statement Fee: $10 per month
Discount Rate: 3.15% per order.
Transaction Fee: $.30 per transaction
Weekly processing Limit: $1,000 a week limit
Monthly Processing Limit: $4,000 per month limit
Single Transaction Fee Limit: $500 for single transaction limit

 

 

CCBill

CCBill's system starts working when you direct your customers to a secure signup page via a join link. The customer's personal information is transmitted to CCBill in an encrypted format. CCBill screens the data with our advanced Fraud Screening System. Once their credit card is approved via our authorization network the customer is directed to a welcome page, or to a link to a member's area.

  • Setup Fees:$0
  • Processing Fees: 13.5% hosting clients, 15% non-hosting clients.


 

CC Now

CCNow allow you to sell only tangible (physical) merchandise that will be shipped to online shoppers. Client payments are issued twice per month, on the 1st and 16th day of each month.

CCNow provides you with customized snippets of HTML code to insert into your Web pages. This lets you easily refer Online Shoppers to the secure shopping facility. After each batch of orders is submitted and processed, CCNow will send you notification of the orders via email. You then ship the products directly to the online shoppers

 

  • Setup Fee: $0
  • Monthly Fees: $9.95 (US), $11.95 (International)
  • Processing Fees: 9% (US), 11% (International)

 

ClickBank

If you distribute information via web pages, files, or email, CLICKBANK. will enable you to accept all major credit cards without a merchant account.. You can also accept checks online for a one time setup fee.

Moments after you sign up with ClickBank, you'll be ready to sell whatever your web business has to offer. All you need to do is add one more link to your web site. When your customers click on this link they will see a pricetag for the goods you wish to sell. ClickBank deducts a small transaction fee (10% plus 40 cents) from each sale you make, then we send you a check twice each month.

  • Setup Fee: $49.95
  • Processing Fees: 7.5% plus $1 per sale

Accept credit cards today!

 

Digibuy

This service is intended for software authors only. Digibuy allows you to setup, modify, and add products anytime. You have complete control over pricing, order forms, and delivery options. You can check order status and process refunds yourself.

  • Setup Fee: $29.99 (Essential service); $199.00 (Advanced service)
  • Processing Fees: 13.9%

 

iBill

If you're a web merchant with products, services or content to sell, iBill has a turnkey e-commerce solution.

They charge a lower percentage rate and offer more bang for the buck. You will be able to accept credit cards, checks online and they even offer 1-900 billing with free sign up on all accounts and no merchant account needed. They will even password protect your site.

If you¡¯re a web merchant with products, services or content to sell, ibill has a turnkey e-commerce solution that¡¯s designed just for you. Our simple, real-time, secure credit card processing solutions will get your online sales up and running quickly--with no setup fees and no software to download!

  • Setup Fee: $0
  • Processing Fees: 10-15% of the transaction depending on volume.

 

PayPal

PayPal is an account-based system that lets people securely send online payments to anyone using their credit card or bank account.

PayPal Shopping Cart allows you to set up and turn your website into an e-commerce enabled store. It's free and fully integrated with PayPal.

  • Setup/Monthly Fees No/No
  • Processing Fees Credit cards, 2.2% +$0.30, no minimum
    Non-credit card, 1.6% +$0.30
  • Note: Payments under $15 are only charged 30cents.

 

ProPay ProPay--Power to Pay.  Power to Get Paid.

A new competitor to PayPal that currently only caters to US residents. Unlike PayPal, your client doesn't have to join their service before you get paid.

ProPay can also be used like a virtual terminal, so you can use it for digital products, tangible products, and offline sales. Many others are restricted to one or the other or are strictly Internet.

  • Account setup: $0
  • Transaction fee: 3.5% of transaction plus $.35
  • "Buy Now" button: The first 10 buy buttons are FREE. Then $5 per month per 100.



RegNow

Designed for software authors to sell their ware, RegNow provides flexible delivery options including quantity, licensing, and discount pricing options. Their per-product "scripting technology" allows registration and delivery process tailored to your products' requirements.

  • One time account activation fee: $9.95
  • Standard transaction fee: 20% with a $2.00 minimum charge
  • Download delivery option: Additional 1% per transaction
  • Affiliate generated sales: 15% of what you decide to pay the affiliate

 

Verza

With Verza you can instantly enable your website to sell products and/or content. You sign-up online, there are no setup fees, and you can start accepting orders on your own website in minutes. Also, Verza provides everything you need to be successful online including: a virtual shopping cart, reseller program, fraud screening, and direct deposit pay-outs.

Sell internet content, services, or tangible products by credit card. No matter how you deliver your site contents Verza will enable you to accept all major credit cards without a merchant account. You will also be a able to accept checks online with no setup fee. No signup fee. No monthly fee. Free affiliate network, Free password protection, 1-900 billing, and so much more.

Once you sell a product or service online, how do you accept credit cards? What other billing and online invoicing options are there? Verza provides complete and cost-effective payment solutions to webmasters worldwide. In combination with your own website, Verza will: Enable you to accept all credit cards for billing your customers. Provide check and 1-900 telephone billing options to your United States customers. Process your customers credit card within 5 seconds (real-time) at low rates. Secure all transaction data incorporating the latest security protocols available. Support the complete payment cycle with state-of-the art real-time reporting and online administration. Protect your business against fraudulent transactions with Verza Veronica anti-fraud. Simplify administration of content sites with subscription

 

  • Setup Fee: $0
  • Processing Fees: 4.9% plus $0.99 per transaction

 

 

Verotel

Verotel sells the tickets for your content subscriptions on the Internet. Content websites are normally using a 'members' area; a directory on your website which is protected by usernames and passwords. A small script which runs on your webserver let Verotel add, modify and delete usernames and passwords to this members area.

  • Setup Fee: $0
  • Processing Fees:
    19.0%: Ticket from $ 3.75 to USD $ 9.99
    15.0%: Ticket from USD $ 10.00 to USD $ 19.99
    12.0%: Ticket from USD $ 20.00 to USD $ 75.00



 

 



 

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