Benefits of Opening the Right Online Merchant Account

An online merchant account is a business owner’s gateway to accepting credit and debit cards on the web. But if you play your cards right, you can get more than the ability to process payments. By opening the right online merchant account, you can end up with a host of free tools, software, and products that are crucial to running a company on the web. Follow these tips to ensure you get more than credit card online processing when you open a merchant account.

Ask about free software tailored to your business. While it’s important to have a merchant account so that you can process payments online, you will also need the right software. Find a merchant account provider that offers free software tailored to your business. For example, if you need a merchant account for credit card online processing, you might benefit from receiving free online check software so that you can also accept checks by web, phone, or fax.

By opening the right online merchant account, you might also end up with a free web shopping cart or a virtual terminal for phone orders and in-person sales.

Ask about technical support. It’s not enough to open a merchant account these days. What if something goes wrong with the software? Companies need to know that their merchant account providers can provide them with industry leading support when they need it most. For this reason it’s important to find out whether your merchant account provider that offers technical support. Find a company that provides support 24 hours a day, 365 days a year.

This post has been provided by Charge.com Payment Solutions, Inc., a leading merchant services provider. Visit the website for information about ecommerce credit card processing.  

An Identity theft could ruin your financial health

Your FICO score is more than a number and it reveals your financial capabilities including your credit worthiness. Many creditors and landlords use it to determine whether they want to extend credit or rent an apartment for you to line. Many prospective employers are also increasingly using your credit score and your credit information before they offer you an employment. When an identity theft occurs, chances are that your credit score will be compromised and you may also be held liable for some of the charges.

When an identity theft occurs, the victim may face difficulties using available credit in open credit accounts. New charges that a victim is not responsible will increase the monthly minimum payments that are due putting victims into financial difficulties. On the other hand, thieves could use your personal information to empty your bank accounts. Identity theft could easily move beyond your bank account and credit cards and onto other aspects such as your telephone and utility accounts. If you suspect an identity theft, cancel your credit card accounts immediately and work with your creditors to get relief. File a theft complaint with the Federal Trade Commission and a theft report with your local law enforcement agency.