4 Credit Card Processing -- A Guide to Accepting Credit Cards Online
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Home >Recommended Services > Merchant Accounts

Merchant Accounts

Without a merchant account, there is no way for you to get money from a customer's credit card to your bank account. A merchant account is a special agreement with a bank that underwrites the risk involved in your credit card processing. Here are a number of providers of merchant accounts. We have included some that offer accounts to International Merchants as well as non-businesses.
#1. Charge.com
The best place to get a merchant account. Accepts all kinds of businesses. No application fee, 98% approval rate. These guys want your business and work very hard to help you get set up with your own merchant account.
#2.

Bizhosting.com
Bizhosting provides a Propay personal merchant account with a simple application and instant approval, integrated with their paid e-commerce hosting packages. This is ideal for small businesses and individuals that want a commerce web site without the risk. Other Propay features include the ability to take credit cards using a wireless Palm or Handspring handheld, e-mail to e-mail payment, etc.

#3. ETI
Offers credit card merchant accounts to small businesses, Internet merchants, and home-based businesses. One of the highest approval rates in the industry. They handle anything from "mom and pop" business to million-dollar companies. They also have extensive experience with internet start-up companies, home based merchants and internet merchants.

Other Services:

Advanced Merchant Services
Offers same-day setup for merchant accounts and credit-card processing. Apply for its merchant-account services.  

American Express - E-commerce Merchant Services
Details of its cards, business, and financial services, and travel programs. Option to apply for cards online.

Ameritrade-Escrow
Facilitates purchases made through online classified ads and auctions. Both the buyer and seller must agree to use the service.  

Automated Credit Card Merchant Accounts
Merchant account company offers services and products for e-commerce Web hosting. It creates and maintains shopping carts.  

CellCharge
All you need is access to a phone, and you can accept credit card payments from anyone, anywhere, anytime. No monthly fee and small setup fee makes it perfect for small businesses. Don't currently have interface into shopping cart.

Cyber Internet
Offers services for international merchants, such as business accounts, auction payments and real-time credit card processing. 

Cytronec.com
Company sets up international credit-card merchant accounts to allow clients to make online payments. Learn about auction payments

Data Transfer Associates - DTA
Offers software and hardware to enable businesses to accept payment by credit card, smart card, check or cybercash.

DCI Merchant Services
Approval program offers same-day credit-card processing for merchants. Fill out an application for non-cash transaction capabilities.

Discounted Merchant Accounts
Offers merchant accounts, credit-card processing and Internet services for most businesses. Review its rates and submit a pre-application.

DPI Merchant Services
DPI provides direct-marketing merchants with merchant-account establishment and payment-processing services for major credit cards.

E-CardAccept.com
Offers merchant accounts for credit card transactions for retail, Internet and mail order, and home-based businesses.

Electronic Transfer, Inc.
Offers credit card merchant accounts to small businesses, Internet merchants, and home-based businesses. Check rates and complete an application.

Ematic.com - Credit Card Processing Services
Program allows users to accept credit card payments for products or services sold on the Web without a bank merchant account.

ePay4itOnline
Company's merchant services allow its users to accept payment from their customers via the Internet without requiring a Web site.

ePayStore.com
Supplies retailers with the equipment and software needed to accept credit card payments. Includes a link to sign up for a merchant account.

First American Payment Systems
Merchants can purchase the Insta-chex software program to set up payment-processing services and accept credit cards and checks via EFTs.

First Data - Merchant Services
Provider of services in credit card processing for merchants presents an overview of the process and describes software products and services.

First Merchant Solutions
Provides merchant account and e-commerce packages to Internet, telephone and traditional retailers. Peruse the products and services offered.

Global Merchant Solutions
Provides businesses with Web-based credit-card processing solutions and other e-business tools, including wireless access. Send for a quote.

Heartland Card Services
St. Louis, MO, service helps small businesses get credit card-processing accounts. Learn the program's basics, or submit an info request form.

iMerchant-Account.com
Company provides credit-card processing services to small businesses, e-merchants and retailers. Fill out an application.

internet-merchant-account.com
E-business merchants can use this banking program to process electronic payments. View a demo and find pricing details.

iTransact Corporation
Allows merchants and retailers to accept electronic payments on the user's Web site in real time. View a demo.

Lynk Systems  
New!
Offers electronic payment processing services, including credit card, debit, and electronic benefits transfer (EBT) transactions.

MasterCard - Secure Electronic Transaction
MasterCard presents this guide to SET, Secure Electronic Transaction, as well as help on online shopping and commerce.

Maximized - MaxCharge
Enables web sites to instantly process credit cards over the Internet. View a list of features, check system requirements, or try a demo.

Merchant Account Processing Services
Consult this guide about starting an Internet-based business. Offers advice and a glossary for first-time credit users.

Merchant Account Services
Find merchant account and credit card processing software for setting up an e-commerce site. Details different packages and prices.

NextCard
Offers instant online credit-card approval and a secure purchase guarantee. View monthly statements and transfer balances.

NUI Rapid Payment
Company provides an online bill paying service. Pay credit card bills, read FAQ and about site security, and register for the service.

Pay by Web
Provides businesses with the means to process credit card, check and EFT payments online. Also offers site-design services for merchants.

Paybutton
Complete payment solution for the World Wide Web. No Software is needed - simply insert the provided HTML code into a Web page.

Paymentech - Company Homepage
Credit card payment service shares a company overview, promoting its business solutions. Enter its news room, and get technical assistance.

PaySys
Provides banking and retail-private label credit card systems, including the CardPac, Vision21 and VisionPLUS packages.

Plug 'n Pay Technologies
Offers real-time charge processing, merchant accounts, secure servers and shopping-cart services for online retailers and merchants.

Progressive Distribution Services
Michigan-based company describes its services, such as e-commerce order processing, database management and warehouse fulfillment.

SecureTran
Vendor of turnkey solutions for e-commerce, including credit-card and electronic-check processing. Details its products, support, news and links.

Shopcom Holdings
Offers tax-free offshore merchant accounts, online credit-card processing and Internet billing services. Submit an application.

SmartStart Merchant Account
Company specializes in merchant accounts for e-commerce, mail-order and home-based businesses. Fill out the express application.

Summit Payment
Sets merchants up with the software, equipment and design needed to accept credit cards face-to-face, over the phone or via the Internet.

Teleflora CreditLine
Company claims to be one of the first to provide credit card processing for the Internet. Find out about services, and apply for an account.

Total Merchant Services  
New!
Sign up for merchant account services and start accepting credit card payments on your Web site. Inquire about Web hosting services.

Total Payment Systems
Set up a merchant account for Visa, Mastercard, Discover or American Express. Services include credit card processing and software sales.

UtiliMAX
Request a quote from this provider of electricity and telecommunication services for businesses. Learn about its management tools.

Vantage Service
Offers credit card processing for Internet merchants. See details of three different programs and try a demo version.

Virtual Merchant
Lists subscription fees and provides an application for preapproved credit-card merchant accounts.

VRFOnline.com  
New!
Offers merchant banking services such as electronic, phone or fax checks, bank drafting and NSF recovery for businesses on and off the Web.