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How to Accept Credit Cards Online

In the old days, to accept credit cards, you needed a merchant account through a bank. But now there are a number of services that will let you accept credit cards online without your own merchant account.

Paypal

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is probably the most widely used service, with more than 50 million users. Paypal is a great way to get started accepting credit cards, but it's rates are relatively high.

VeriSign operates a competing service that carries a flat monthly rate and a lower per-transaction fee. Called Payflow, this service makes sense if you're planning on a higher volume of transactions each month.

But if you're serious about taking credit card payments online, you'll probably want to go with a merchant account service. Here are just a few of the services currently out there.

  • Costco
  • Gotmerchant.com
  • Instabill.com
  • MerchantWarehouse.com
  • MonsterMerchantAccount.com
  • NorthAmericanBancard
  • Total Merchant Services

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