Small Business Merchant Accounts Help Your Business Grow
You have finally taken the plunge and opened your own small business. But, you find that you are alienating clients and potential business because you only accept cash for your product or service. But, you think that accepting credit cards will cost too much and don’t know the first thing about starting up. Finding the right merchant account providers to guide you along the way will not only help you through every step of the process, but also save you time and money. And every business person knows time is money.
Most small business merchant accounts have high monthly minimums, hidden fees, and sliding rates that can be confusing and end up costing you more money than they are worth. But, finding the right credit card payment processor can not only put money back in your pocket, but restore your faith in merchant accounting. Doing your research will pay off in the long run and some of the things you must look for are: Fixed rates starting at the bare minimum, having a personalized account representative you can call any time you need assistance, same day approvals that can save you time, all day every day toll-free support lines, check services, complete and comprehensive fraud protection, and on the go services. These should be built in to even the smallest of merchant account set ups and come at no extra charge. Also for free should be: application fees and start up should be nil. Free virtual terminals for phone order processing, wireless credit card processing for offsite sales such as at a road show or client meeting, and even online payment gateways should always be included and never cost you a dime.
The best in small business merchant accounts should also offer you gift and loyalty programs for being such a valued customer and taking the right step toward processing cards. Plastic is the future. Paper is the past. Some people refuse to carry cash on them anymore because of the built in security most credit cards carry and the reward points and cash back they can earn makes it more expensive to use real money. Banks are seeing a drastic decrease in check writing, and most business won’t even take personal checks any longer.
Depending on the amount you charge for your product or service, can you imagine people carrying around huge sums of money to purchase something from you, or having them come back when you tell them you won’t accept their card and to go get the cash they need to buy what you’re selling? Make your life and theirs easier by setting up a merchant services account that allows you the freedom to run your business with no hassle and gives you the support you need through the ever changing world of financial processing. You customers and employees will thank you. And with the guarantees and perks you will get from the right merchant services, you can’t afford not to.
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