I am starting a home based travel agency and need a credit card merchant account.  Any suggestions?
613094
Travel agencies are considered a high risk account in the merchant processing industry. You should have all business info available when contacting a processor including federal ID, business financials and history. For a new business, the personal history of the owner(s) is very important, so have all of your ducks in a row and be able to offer your personal financial information to validate the underwriting of your account. A credit score of 618 or below or a recent bankruptcy are examples of factors that will probably send you into high-risk territory and pretty rough rates. If you clear these things you should be in good shape.\n\nAlso, be very careful when choosing. Your nature of business will probably accept a high amount of rewards and corporate cards. These cards are considered non-qualified by many processors and are charged a much higher rate (sometimes double) than the low rate you are quoted.\n\nLastly, DON'T LEASE A TERMINAL or sign a term contract unless you really are in a pinch financially. This is how many processors make their money off of you and you will pay a higher total effective rate in the long run.\n\nIf you would like more info, email me at jbordeaux@windriverfinancial.com or give me a call at (920)993-9433.
711507
Get a prepaid master card or visa.
1138768
If you are using a shopping cart script or you will have a custom site then you'll want an authorize.net CC processing account. it only costs about $15/month.\n\nhttp://www.authorize.net/\n\nBut considering that you didn't know that already then Pay Pal is likely your best choice as it doesn't require complicated integration with your site.\n\nCan you post or mail a link to your site and maybe some info so we can see what you're working with?\n\nThis is my site and it runs on an Authorize.net gateway.\nhttp://www.driftcali.com
1059965
You could go around to local businesses that you would be frequenting for your clients and ask them how you can set up an account (this will give you anywhere from 15-30 days to pay for the product after you have actually gotten it).  Now the account can be under your name and you can be billed bi-weekly or monthly OR you can tell them about your business and ask that they allow your indivisual clients to open an account.  Say it's a dry cleaner and a florist, If your client is Mrs. Smith, once you know that you will be picking up fresh flowers daily and dry cleaning once a week for her,  you ask that she call the 2 businesses and set up an account that allows you to get these things while the amounts are billed directly to her.  Then all you have to worry about is your fee.  This may not be the best way to go though, since your in the business of making your clients lives easier.  \n\nI would say your best bet is to have accounts at any and all local businesses that you will be using and leave a bill with the products at your clients homes.  Give them a 15 day period to pay you and get yourself a 30 day period to pay your account up. \n\nBest of luck
94624
try ebay first\nthen, do a search, there are lots of shops (of course, you need a credit card)
166959
you could try credit card companies
37391
Are you using an accounting software package?  Your question suggests that you are.  If so, there is actually an account type for credit cards.  You need to create a new account for that card.  You will also need to set the credit card company up as a vendor.\n\nCharges to the credit card would initially be booked either to an expense account or a capital account.  Then when you start paying off the card, you book everything other than the interest expense to the credit card account.
1024445
Usualy, Ebay gives you the option of entering your credit card number. Try that instead.
338655
a dept store credit card that was my first one but then I found out I was being ripped off bcuz those have super high interest rates.  it's a good way to establish credit I guess just make a purchase every season and take the rest of the season to pay it off without defaulting it will show you're consistent and reliable.
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
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You can get a MasterCard by either Premiere Bank or CorTrust Bank. Both offer a non secure line of credit without a credit check. There are fees which are charged to your new card(s).
458229
Any credit card that has a low FIXED interest rate such as Prime +2.5% and no annual fee. I do not recommend American Express and Discover just because they have limited usage. VISA and MASTERCARD are accepted everywhere in the world and have friendly programs and rules. The best to get a credit card is through a credit union. Moreover, if you are looking to build credit, you have to get a secured credit card/loan and might need to pay a yearly fee but just for 6 months. After that you can apply for any card you want but be conservative. The less cards you have the better your credit will be - providing you have a line open. Hope this suffice.
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You need a good secured credit card or possibly two. \n\nRead this article to help you understand what type of accounts can help ... http://www.expert-credit-advice.com/building_credit.htm\n\n\n\nAlso make sure you read the part about piggybacking!
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None of them.\n\nYou do not need a credit card for ANY reason.  Not even for a home loan.  Home loans can be underwritten.  See a good mortgage broker and they can do it without a credit rating.\n\nIf your heart is set on obtaining one, become a member of a local credit union.  They tend to have the best, basic forms of credit cards.  If you go this route, DO NOT set your credit limit above $500.  Why?  Temptation, procrastination, etc.  Things happen.  \n\n\nI recommend using CASH.  Debit Cards too.  There is virtually NOTHING that you can buy without a DEBIT CARD.  The protections that consumers have with CREDIT CARDS also applies to DEBIT CARDS.  It's Federal law.\n\nI have 2 credit cards.  I don't use them.  I am letting one expire on purpose... lack of use.\n\nI will keep one because I travel extensively, and since I wear out my debit card quite regularly, I do need one.  \n\nI am debt-free, except for my house and my wife's car.  It's a great way to live and be wealthy.
15535
I have used many web hosts that use Miva Merchant system.  They are pretty basic, but will do all you are currently looking for.\n\nMy webhost is:  Westhost, and they offer it on their plans.  I think there is a one time setup fee though.
744663
What's a merchant account business? \n\nI know that to start a business you need to register with your state so that you can show them your earnings every year and turn over any sales tax collected from in-state customers. Then you need to find out if your business is the kind that requires a special license like tattoo artists or food vendors. Then decide where you want to sell. To stores? From your own store? Online? Your approach will be different based on what you decide.\n\nOther things to consider:\nDo you have the money to get supplies and get started, or will you need a loan? \nDo you need any special zoning in your neighborhood?\nGet a workbook from a tax preparer that shows you what items to keep track of, for expenses and income.
1095862
http://www.netbank.com/giftcard is a good source for prepaid Visa cards.