How To Accept Credit Card Payments

How can I transfer my private student loans to a credit...

New postby Alaine » 28 Oct 2012, 23:15

How can I transfer my private student loans to a credit card when my lender does not accept credit payments?

I have about $46,000 in private student loan debt at ~ 9%. I want to transfer as much as I can to a low fixed interest credit card, such as the Blue Cash American Express card (4.99% fixed APR for the life of the balance). My lender does not accept credit card payments.
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New postby Gricelda » 28 Oct 2012, 23:15

You need to contact your credit card issuer and ask for a balance transfer check. You can then write a check to your loan company for the amount you want to transfer to your credit card.

The other option is to ask your credit card company if you can just provide them with the student loan company information and have them pay off the balance you request. Many companies will allow you to do this over the phone. If you go this route, make sure you still stay current on your payments since you will not know how quickly the transaction will be completed.
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Ebay, how to accept credit card payments?

New postby Scot » 28 Oct 2012, 23:15

How can i accept credit card payments from buyers without using paypal? How can i accept credit card payments from buyers without using paypal?
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New postby Malcom » 28 Oct 2012, 23:15

You cant unless you have a whole checkout system set up, but why would you do that? Did you lose your pay pal privileges? I know as a fellow ebayer with 100% positive feedback I would never buy or sell to someone without using pay pal or a money order.
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I am from India, pls let me know how to accept credit card..

New postby Aaron » 28 Oct 2012, 23:15

I am from India, pls let me know how to accept credit card payment through my website for my home business? I am from India, pls let me know how to accept credit card payment through my website for my home business?
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New postby Aaron » 28 Oct 2012, 23:15

Go to the paypal site. Almost everybody has paypal. Also it is safe and you get more buisness. www.paypal.com
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Could somone tell me the steps i would need to open an...

New postby Otis » 28 Oct 2012, 23:15

Could somone tell me the steps i would need to open an online store and how i could accept credit card payment
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New postby Rupert » 28 Oct 2012, 23:15

From the article "Critical Components for e-Commerce on the Web" http://www.powerhomebiz.com/vol13/components.htm Here's what you would need to open an online store and accept credit card payment:

1. Website - Your online connection to your prospects and customers. There are a number of places on the web to get "free" websites - although you may be required to display an advertisement. The design of your site is critical to the success of your business! If it does not look like a professional, legitimate business - NO ONE WILL ORDER ANYTHING - no matter how great the products you have. If you are serious about doing business on the web, either go back to school and learn html, java, cgi, etc., or hire a professional to design your site. 

2. Merchant account - Bank authorized account which allows you to accept major credit cards, electronic checks, etc. Many banks will not give you a merchant account if you do business on the Internet because they may classify it as high risk. Be careful when looking for a merchant account provider! Watch out for hidden fees, high setup fees, and other unscrupulous business practices. 

3. Payment Transaction Software - Software which actually processes customer order information, address, credit card number, etc. The data is sent to a credit card authorization network which verifies that the credit card is valid and verifies that the shipping address matches the billing address. A possible warning sign that the card has been stolen is that the billing and shipping addresses do not match. 

Verisign Payflow services, for instance, costs as much as $59.95 per month for maximum of 1,000 transactions plus set up fee of $249.

4. Secure Server Connection - https:// - Link to a special computer which encrypts confidential ordering data for customer protection. You know you are on a secure server when the URL in your browser says "https://". The "s" stands for "secure." If ordering information is not sent via a secure server it can be intercepted by computer hackers. 

SSL digital certificate to ensure secured transaction, which can set you back anywhere from $199 for two years with Thawte or $695 for two years with Verisign.

5. Shopping cart - Software which allows you to accept product orders for multiple products from your website. This software automatically calculates and totals orders for your customers. Some setup must be done in the html code of your website, and the shopping cart software must be installed on the server which hosts your site or on the secure server which accepts sensitive ordering information. 

Read the article "Looking for a Shopping Cart" http://www.powerhomebiz.com/vol132/shoppingcart.htm for tips on what to look out for when buying a shopping cart for your ecommerce business
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How do I find a credit card account that will allow me to...

New postby Wilbur » 28 Oct 2012, 23:15

How do I find a credit card account that will allow me to accept mail order payments for a small business?

I am working with the publisher of a small journal. We need to make arrangements to accept credit card payments for subscriptions and advertisements.

How do I do this? What are the search terms I'd put into Yahoo or Google? (If I just enter "open credit card account", most of the links assume I want to get my own personal credit card.)

Are there any sites which list fees for multiple banks so that I can do comparison shopping to find an account with low fees?

Thanks.
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New postby Chantell » 28 Oct 2012, 23:15

Go to your local Costco and arrange for a merchant account. Their fee structure is the lowest around and their service is the best.
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