Actually there are two ways in which you can accept credit cards on web site: Using your own Merchant Bank Account: with an Internet Gateway. To do this, you’ll need a bank that will allow you to open a merchant account and provide you with the internet gateway. Requirements for this will vary from country to country and bank to bank. Through a Third Party Merchant: There are many companies around that are willing to accept credit cards payments on your behalf in exchange for various fees and percentages.

If you want to compete on the internet today, you must accept credit cards and start credit card processing.

Over 87% of all internet sales are paid for by credit card merchant account.

When you accept credit cards, your sales have the potential to increase as much as 400%.

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accept credit card payments in real-time over the internet.

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No Long Term Contract.

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With our Free Merchant Account Application, you can Start Accepting Credit Cards Today Free!

You will be able to accept Visa, MasterCard, American Express and Discover for your products and services instantly upon completion of our online merchant account application.

Don't lose another sale because you don't accept credit cards.

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	Merchant account for immediate transaction processing.
	A secure, encrypted, SSL (Secure Socket Layer) Payment Gateway that will allow you to accept credit card payments in real-time over the internet.
	LinkPoint® Virtual Terminal for credit card processing of off-line orders.
	Accept Visa, MasterCard, American Express and Discover credit cards.
	All merchant account funds wired into the checking account of your choice.
	Online merchant account reporting and management of your transactions.
	No Merchant Account Application Fee.
	No Merchant Account Set Up Fee.
	No Merchant Account Paperwork.
	No Merchant Account Hassle.
	FREE Online Sales Tracking and Reporting.
	FREE Fraud Screening and Protection.
	FREE American Express Setup.
	FREE Discover Setup.
	FREE Merchant Account 24/7 Technical Support.
	FREE Shopping Cart
	Highly Competitive Merchant Account Rates

merchant account

Once you have completed the online Merchant Account application, you will be notified by email as to the status of your merchant account.

If at any point you have questions filling out our merchant account application, please contact SunVirtual's Merchant Account application and underwriting support center at: 1-866-444-9793.

How to Accept Credit Cards Online Through your Website

Actually there are two ways in which you can accept credit cards on your web site: Using your own Merchant Bank Account: with an Internet Gateway. To do this, you’ll need a bank that will allow you to open a merchant account and provide you with the internet gateway. Requirements for this will vary from country to country and bank to bank. Through a Third Party Merchant: There are many companies around that are willing to accept credit cards payments on your behalf in exchange for various fees and percentages.

The initial costs of opening your own merchant account is generally higher than when you use a third party merchant provider although third party merchant providers typically charge higher discount rates and hold you money for longer periods of time. Some of the more modern and competitive merchant bank account offerings offer completely free set-up and a free virtual or retail credit card processing terminal. These offers are few and far between so you will have to know where to look but if you are a smart merchant, you will not have to look too far.

The transaction fees (which is what you pay the bank or third party merchant for each sale) is much higher when you utilize a third party as compared to when using your own merchant account. A third party merchant is usually convenient to use when you do not know if you can actually make much out of your product or service. If you just want to test the water to see how things are or if you are not that serious or committed to your business long term. You just get a check at the end of each payment period (if you have earned enough) and concentrate on your services, products, and customers. Third party merchant providers may also service internationally while merchant banks may only operate within certain countries of choice.

Having your own merchant bank account accords your business with a substantial amount of professionalism. And as mentioned earlier, your transaction costs are generally much lower. However you have to be careful to minimize your credit card risks since you will be processing the credit card payments yourself. This isn’t to say that there is no risks attendant in using a third party merchant. Charge backs are always a risk to any merchant and must be managed professionally as they will occur if a merchant does business to any meaningful extent.

Here is an example of the difference between having your own merchant account through an approved bank versus a third party provider such as Paypal.

Option 1. Merchant account payment processing from a reputable merchant bank entity. In a merchant account, funds from your customers are directly deposited to your personal or business bank account. You therefore have control over your account because it is regulated by the Federal Banking Regulations. You may also easily set up your account to accept credit cards, gift cards, tele-check and other non-cash Internet transactions.

Option 2. PayPal payment processing which in this option your funds are deposited to your PayPal account. However, PayPal is not a bank so the Federal Banking System does not regulate them. At worse, they may freeze your account without you knowing how to unfreeze it. You are also limited to accepting payments based on PayPal regulations and invariably it takes much longer top receive your money from PayPal.

Make sure you provide your visitors with a secure environment if you want to accept credit cards online. This means that the transaction is encrypted so that their information is not broadcast around the Internet for those who may take those numbers for their own use. You can see an https:// starting to any web address that has a secure setting. If you want to accept credit cards online you’ve to have this or your customers will most definitely think twice before they put their information in for an order. They want to be safe, so you’ve to make sure you do everything you can to keep them feeling secure and at ease about ordering through your site.

Merchant Account Success Stories

"We were looking for a service that was easy for our customers to use and easy for us to maintain. We chose SunVirtual's Merchant Account for our business and couldn't be more pleased with the service. Your setup was quick and easy, and the entire operation was very smooth with no problems at all. I would recommend SunVirtual's Merchant Account to anyone wanting to accept credit cards for their business. Your company is an A+ in my book."

-- Veronica Braddy, African American Roots, Inc.
www.african-weddings.com

"I'm very impressed with how easy it was to get set up to accept credit cards with your company. I called your company and spoke with Sean. Other than the fact it was free and only took me 5 minutes to apply, Sean was extremely nice, knowledgeable and really cared about helping find the best solution for our company. Thanks for having a staff that actually cares."

-- Etty Fhima, Handbags at Wholesale
www.handbagsatwholesale.com

"I'm not kidding when I say my sales have tripled since I started accepting credit cards. You guys were absolutely right! If you're not accept credit cards for your business you're definitely losing sales. All I can say is Thank you. Thank you. Thank you.

-- Liran Haiman, Moving Waterfall Pictures
www.moving-waterfall-pictures.com

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To get started you must be the principal owner of the
business and have the following information:

Business located within the United States

Federal Tax ID# (for corporations only)

Your Social Security Number

US Checking Account

You must be at least 18 years of age

Our Secure Online Application SHOULD ONLY TAKE A
FEW MINUTES TO COMPLETE.
** By Federal Law, All Information Provided Will Remain Confidential **

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