Accept Credit Cards Today - For An Absolute Maximum Of 30 Dollars A Month
You can accept credit card payments at your website within days, and pay no monthly charges and no equipment rental charges.
Research has shown that customers are nine times more likely to buy from a website if the site accepts credit cards. Everyone knows this but many website owners do not know how to go about accepting credit cards. It is much easier than you think, and does not have to cost a fortune either.
If your site is selling downloadable goods, like software, or pdf files you can sell them through Clickbank, with income being credited to your StormPay or PayPal account automatically. This is the lowest cost option. The card processor takes a percentage of the sale, but you have very small account running costs.
You have to sign up as a Seller at Clickbank. This means that you have to have a customer support system in place. The support system does not need to be very complex, just a web page with an email address where customers can be given non-automated replies and live answers to email queries within a certain time, but you would have that anyway.
If you are selling goods that need to be delivered, then your costs will be higher, but still less than you probably think. Check out http://Charge.com for an excellent low cost package (it works out at about 30 dollars month).
You can go for the whole package of course, with Credit Card Merchant Account, but that will cost you much more, with charges for setting up the account, monthly charges and equipment rental charges, too. The percentage of each sale taken by the processor is lower if you have a Merchant Account, but the fixed charges are much higher.
Merchant accounts make sense if your sales are thousands of dollars a day, otherwise you should consider the lower cost options outlined above.
Airline Credit Cards – Are They Offering The Best Value?
There are more reward credit cards around now than ever before. There are cash back credit cards, points cards and American Express even have a new nectar card out. One of the long running popular rewards has been the airline credit card. These are offered by many of the main card providers and they offer as their reward scheme the chance to collect airmiles as you spend. Airmiles are an extremely popular reward as they can be redeemed on major airlines for free or upgraded flights. However, the question customers have to keep asking themselves in this respect is whether or not they offer the best value.
Looking at airline credit cards as a whole, they typically reward you with one airmile per pound spent. This seems fair enough but when you look at airmile redemption prices, you can see that it costs thousands of airmiles for even the shortest flights. For the vast majority of customers, it will take literally years to spend enough on the card to redeem a free flight, even within the UK. Some customers will be able to add these miles to ones they also collect on flights and in this way build up miles faster.
If you compare this to other rewards however, you may be forced to ask yourself if they are worth the hassle. First, compare this type of reward with similar rewards for using say a cash back credit card. While it will depend on the specific circumstances of your card, it may well be the case that you would have got back enough cash to buy a flight out right before ever getting enough miles to claim a free one.
Also, if you are paying high interest on an outstanding balance then airmiles will be the last thing you should be thinking of. Rather you should consider getting a good balance transfer card that will allow you to switch your balance to it and enjoy a substantial interest free period on the balance. This will likely save you far more than any reward scheme will b e worth to you. Also, you may want a card that gives you lower rates on purchases if you do not pay off your balance in full each month. As a general rule, if you don’t pay off your entire balance in full each month, you should be more concerned with interest rates and balance transfer possibilities than reward schemes on credit cards you use.