"We have just enough religion to make us hate, but not enough to make us love one another."Jonathan Swift
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Laws on Damaged Packages Credit Cards
Under the law credit card holders are protected to a certain degree. Each credit card should have coverage for damage or lost packages. If the card does not have this offer, then you should definitely look for another card lender. The "Federal ...
Travel in Style with Travel Rewards Credit Cards
It may be the greatest rewards program ever–the travel rewards. Just think about it. These travel rewards credit cards allow you to travel in style after you've earned enough points. And the best thing about many of these travel rewards credit cards ...
What You Need To Know About Credit Cards
What is a credit card? A credit card is a card that allows you to borrow money to pay for things. There will be a limit to how much you can spend called your credit limit. At the end of each month you can either pay off the whole of the amount you ...
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Why not accept credit cards over the phone? Many companies do, and they find that profits are expanding because of the convenience their customers enjoy in being able to shop and pay from home or any other location where they can use a telephone to access your business.
Customers love it when companies accept credit cards over the phone because they need not dress up to go shopping, they don't have to find a babysitter, they need not put gas in the car, and they don't have to worry about stopping at the bank for cash while en route to your establishment. All they have to do is pick up a phone receiver, dial your number, and punch in responses to the automated order and payment system. It sounds highly sophisticated, but actually the process is fairly simple. Here is how to get started.
First, to accept credit cards over the phone you will need a merchant account. This will provide you with a financial underwriter for coordinating customers' credit payments with your account. The underwriter facilitates the credit payment to ensure it is good and when cleared, puts the money into your account for ready access. Of course there are fees for this service, but most merchant account users feel they are well worth it because of the unlimited potential for growth and profit. Find a reputable financial underwriter, like a solid bank or other lender, and apply for a merchant account. Check out all possible fees so there are no surprises later. In fact, you should compare account options among various lenders to get the best deal.
Next, when your merchant account is approved, you can select digital phone services that will enable you to accept credit cards over the phone via a selection of customer options. For example, you may wish to make the service available 24/7, or you might wish to limit access to certain hours when a customer service employee can be on hand, if needed, to complete transactions if a glitch should occur or to answer questions. You will need to ensure the phone connection is secure, and you can decide whether to have customers key in their credit card numbers or be able to choose the voice option as well or instead of the key-in choice. Will your provide a confirmation number? Will receipts be mailed or emailed? These and other questions will need to be worked out when setting up your phone credit card processing service.
Telephones are being used more and more for business ordering and payment services, especially with the credit payment feature for those who wish to accept credit cards online. By paying a few cents for each transaction or a low interest rate overall, you can remove limits from your sales field and increase volume dramatically. Contact a merchant account representative to find out more about the many exciting possibilities that await you when you implement the latest technology for your business, beginning with the choice to accept credit cards over the phone.
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