best credit card processor? merchant accounts?
478148
If you can get a merchant account directly from your bank, do it. They offer the lowest rate compared to other merchant account providers -- even COSTCO. It's a little tougher and banks have more stringent requirements (some even require for copies of the business plan, while some outright denies merchant application of home-based businesses).
809814
As broker for multiple processors, I have found both PayNova and  Process America to be reputable processors for adult.  Most processors that do not specialize in high risk will turn down adult related sites.  However, there are processors that deal only in High Risk.  While it is true that adult sites pay higher transaction fees than retail storefronts, there are ways that you can keep your fees at a minimum and be in the lower bracket.
269269
alot, most accept mastercard
238725
Here for merchant accounts if you want to use your own provider:\nhttp://www.google.com/search?hl=en&q=online+merchant+account&btnG=Google+Search\n\nHere for providers that offer merchant account included:\nhttp://www.google.com/search?hl=en&q=web+hosting+with+merchant+accounts&btnG=Google+Search
66979
To me, all the points and miles business is a hook to lure you into buying and paying for something else or buying something you do not need or weant.  I would look for the lowest possible rate, no annual fee, best grace period, lowest default rates, and a card that has a customer service department based in the US that  speaks English.  I have actually cancelled cards because their customer service centers were in India or Panama and could not understand a word they were saying.  Also, check to see that the interest rate is not computed over TWO billing periods (this can cause you to incur a finance charge even if your balance is zero) Bear in mind that no matter what the terms are you can get, these credit card agreements are one-sided affairs that the card issuer can change at the drop of a hat. So you might think you have one deal one minute and turn around and BAM! all of a sudden the rate is 42%.
1038816
You may want to check out this link:\nhttp://www.ripoffreport.com/reports/ripoff180174.htm\n\nFor the most part, companies that offer 100% commision sales jobs for merchant processing services have nothing to lose. You're out there spending your money trying to generate sales and they can only reap the benefits of your success without risk. \n\nBe sure to learn a little about the industry before you step into it. It is EXTREMELY competitive. Merchants are contacted every week by some new company that will be claiming they offer the best rates, service, support and security. if you know any local merchants, ask them about this.\n\nContact me if you would like to hear more about what you might be facing if you pursue this endeavor.
612020
The more you have, the more open credit you have which lending companies like. As long as you can pay them all off monthly (the best way to use credit cards) you can have as many as you want. I'd say optimal number would be 3-4. Those should be:\n1 visa\n1 mastercard\n1 discover\n1 american express\nThis way you can pay at any location that accepts any type of credit card. I'd also recommend cards that give you bonuses like cash back (discover and american express) or airline miles (all of them).
851629
www.creditcards.com  I prefer the Western Union prepaid debit Master Card, used it almost a year and I am very satisfied! www.westernunionprepaidservices.com
950885
I'm sorry but I think the best way to know for sure your closings are processed properly, it would be best to take the painstaking time to call each of the cards numbers and void those accounts.  Either that or call Experian to see what they can do to help.
73613
A merchant takes you information (electronically or another method), gets verification of your information and tells the store clerk to let you out of the store with the stuff you want.  Then the merchange transmits a file to the credit card processing company who then pays the merchant.  You then get a bill for what you bought and you pay the bill.\n\n[source - 1 year working in operations for the merchant credit card processing division of Citicorp]
49021
Try Advanced Credit Systems.\n\nVery reliable and great pricing!
327496
I'd go with PayPal. A question may arise however... do you have a debit card with your checking account, that works as a Visa or MasterCard? It's been a while since I went through the verification process, but I think they want you to enter one to verify your street address is valid.\n\nThat said, once you're in, you can apply for the PayPal debit card, which functions just like a MasterCard.\n\nIf there is a chance that you will want to do anything money-related online, I would sign up for the Business account. This way if you ever want your own website, or perhaps become an eBay seller, then people don't have to have PayPal accounts to pay you, they can use any of the "Big Four" credit cards (Visa, MasterCard, American Express, Discover)\n\nAn added bonus: If you sell at least 2 items per week on eBay, you will get cash-back bonuses on all your PayPal debit card purchases.\n\nBonus 2: Any funds in your PayPal account will earn Money Market interest rates.
86100
Capital One has their No Hassle credit card. However, I don't know if they report to the Credit Bureau if your FICO is 600
280638
Paypal, Credit Card, Payment by phone...
1177608
Search for merchant services through the web or ask your bank.Usually to set up a merchant account for a business requires an account and a deposit. Make sure you search for the best rates percentage wise. Vette
1093800
Assuming that you have your house in order in regards to the legalities of selling this product on the internet, pretty much any merchant processor can provide these services. Be sure to pick one that is an experienced e-commerce processor.\n\nSetting up such an account is a multi-faceted process.\n\nFrom a technical standpoint, you will need to set up your website, shopping cart and gateway. Your chosen processor should be able to handle the gateway.\n\nChoosing a processor for this type of endeavor should be based on services offered and experience as well as on rates and fees. You will not receive the commonly advertised rates for these types of transactions when you sell on the internet as these fees (1.8% and below) are only valid for transactions when the customer is present and the card is swiped. Most reputable processors offer very similar rates and the choice has more to do with finding a processor who can support your specific needs.\n\nLastly, expect to share personal financial info. If you were to go belly up or otherwise not deliver product that has been paid for, your processor is on the hook to pay back your customers. Your SS# and some financial info will be requested to assure that you are not a risky proposition. Be careful about who you are dealing with when you share this info.\n\nIf you would like more information, feel free to contact me at jbordeaux@windriverfinancial.com or call me at (920)993-9433. I will be able to help you sort through setting this type of an account up and point you in the right direction.\n\nAdditional Info:\n\nYou should be able to get a merchant account if you are selling this product legally and taxing when necessary.\n\nHere is a copy of our company's restricted merchant list. It is very similar to others:\n\n\nA. Products\n   1. Pornographic/adult material\n   2. Real estate sales/Time share condo sales\n   3. Non-retail computer software*\n   4. Lotteries\n    \nB. Services\n   1. Bail bond services\n   2. Check cashing establishments\n   3. Collection agencies\n   4. Companion or escort services\n   5. Gambling establishments*\n   6. Travel agencies*\n  \nC. Methods of Sales\n   1. Door-to-door\n   2. Pyramid distribution\n   3. Outbound telemarketers*\n\n*Indicates a prospective merchant account that can be reviewed on an exception basis.
902915
I'm inclined to say American Express.  My husband uses it for travel and I believe they have a student card.