The credit-cards tag has no wiki summary.
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1answer
39 views
Instantly credit checking customers
I'm from the UK and I'm looking for a way to credit check customers on the fly when they enter their relevant information into our forms.
When they hit submit, I'm assuming we'll call some form of ...
0
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1answer
22 views
Rates where the Money Back Guarantees option is used
I have read several other posts on Money Back Guarantees, but none address my question, which is related to expense budgeting.
We will be offering a service where we represent the interests of third ...
0
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1answer
36 views
Legal implications of creating and sharing a customer blacklist?
We're creating a marketplace where expect lots of buyers for digital goods ranging from $1 to $10.
Now obviously there are people who initiate chargebacks (costs $15!) without even communicating with ...
1
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3answers
274 views
Legal implications of a chargeback on NO-Refund policy
I wonder if publishing a NO-refund policy will prevent the chargeback?
As a business, we'll show it where the customers can see it -- on the website and include in emails invoices and sales receipts. ...
0
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0answers
19 views
How to find users of my extra credit card charging capacity, for business expenses?
Does anyone know of a way to find small businesses who need credit card charging capacity, but don't have it? For example, it's difficult for some LLCs to get business credit cards.
For several ...
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6answers
376 views
Credit card processing for startup
What are the options available for online credit card processing? I have developed a website where I need to charge credit card. I will not be interested in storing credit card information. I know ...
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3answers
106 views
Which Credit card processors allow us to retrieve payment information?
Which credit card processor allow us to retrieve payment information from their server in case if we need the payment information?
I believe my question isn't clear enough and I decided to write a ...
1
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2answers
308 views
Multi-vendor marketplace-Dealing with transactions & Payments
I'm a few weeks into developing a multi-vendor, business to business website. Here is my issue:
We could potentially have a single user purchasing from multiple sellers at one time.
We are ...
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0answers
52 views
3D Secure payments and chargebacks
A payments question for you:
If you accept credit card payments and request 3D Secure / Verified by Visa payment, but the card is not enrolled in 3DS and thus the payment completes without 3DS ...
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3answers
50 views
Suggestions for dealing with a monthly Subscription billed in $US but showing up in foreign currency as varying monthly amount
We just started a Monthly Subscription this year. We're now expanding it to non-US currencies (e.g., $AUD).
The challenge is that the amount the customer sees (in $AUD) will vary every month with ...
0
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2answers
497 views
Does an iPhone app need PCI compliance?
I want to write an iPhone app that provides a common ordering interface for a number of disparate sites that do not have an ordering API. To ensure I can rapidly adapt to any changes in each site's ...
1
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1answer
50 views
Negotiating a volume discount on interchange fees
I think this forum is appropriate for the following question, but if not, I am happy to be directed elsewhere.
For startup business planning purposes, I am wondering if anyone here has heard of a ...
1
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3answers
113 views
Credit card processor fees
What is a cost of using a credit card processor? How much does it cost to set up for a small startup (lets say, a small store or a restaurant), what are the fees of using the processor, and what are ...
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4answers
438 views
Free Trials - Open registration Vs. Credit Card required
Does anyone have personal experience, good articles, or case studies that document the pros and cons of offering a free trial with no obligation (i.e. you don't collect credit card information at ...
3
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7answers
248 views
What do you build in your e-commerce site to gain consumer trust?
I'm co-founding a start-up that is developing an e-commerce app. We're trying to decide what features to build in that shoppers would expect to see in order to feel comfortable submitting credit card ...
1
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1answer
100 views
Membership software
I am looking to create a business who's customers buy units of our product. It might even evolve to a membership situation where they are buying units on a scheduled basis each month. I want these ...
1
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1answer
233 views
What are some services that allow credit card payments on behalf of another company (i.e. Groupon, LivingSocial, etc)?
My startup operates in a similar fashion to that of the typical daily deal sites - we accept payment from our users, take a cut off the top, and pay out the person\company providing the goods or ...
2
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4answers
431 views
Require Credit Card for Trial Sign-up
We are rethinking our 30-day trial for our B2B (small business) CMS. It is a very niche service and we have about 600 active paying subscribers at this point.
In the past, I have always subscribed to ...
0
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3answers
99 views
Merchant Account or Gateway. Who charges what and how does it work?
I'm going to take credit cards over the phone/fax. That means I need some kind of virtual terminal.
I contacted my bank (Bank of America) and got following quote:
Set up: $130.00
Monthly: $37.99
...
1
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1answer
56 views
When sending money from an office in one country to another, if this money is sent via credit/debit card payment are there any tax implications?
One of the company's co-founders is investing and to avoid high fees I suggested we use our merchant account whereby he will make a payment online and then I will receive the money in the UK. Is this ...
6
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3answers
214 views
Can I require a credit card for a $5,000 service?
I'm getting to ready to launch a business-to-business service that will charge a $5,000 fee per service rendered. I would like to only accept credit cards, but I'm not sure if most customers are able ...
3
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4answers
757 views
How can I separate my personal credit from my business without a lot of hassle?
I've been operating a local computer repair and retail business for about 2 years and haven't needed a line of credit until now. The problem is that I'm in college and have student loans. So, as a ...
0
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1answer
83 views
AcceptPay American Express
We are looking into taking credit card payments. AcceptPay by American Express is a $30 gateway/merchant account combo. Has anyone used this service?
3
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3answers
355 views
Chicken/Egg: New Startup, Need Credit Card
We're a new startup and need a credit card to make some online purchases. We're looking into options and all of them seem to want at least two years of business history, positive cash flow, etc. ...
1
vote
1answer
63 views
Business loan dilemma?
In the near future I will be taking a small business loan. I had planned on going to my local bank or to lending club but then I figured maybe I can get away with opening a new credit card with a 0% ...
1
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3answers
231 views
First time credit card processor?
Does anyone have any experience when it comes to jumping directly into your own credit card processor and merchant account with an online startup? I know some merchant accounts require you are already ...
2
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3answers
409 views
What is the easiest way to charge credit cards?
My site accepts credit cards through PayPal, but some customers still send me credit card information in their e-mails or purchase orders. PayPal does not allow me to use this information to charge ...
2
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2answers
112 views
Send payments to credit/debit cards
Does anyone knows about a company/service/way that allows to send payments to credit/debit cards? I want my website be able sending to worldwide affiliates their commissions that way.
2
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4answers
254 views
startup credit card issues
So here's the issue, I need to accept credit cards on my site, but I don't want to go through a merchant service, I want to go through visa/ amex/etc directly (it's a long story..). Now, to even get a ...
1
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2answers
132 views
take payments from mobile phone?
I have noticed on sites like facebook that they allow you to buy facebook credits by entering in your phone number on the website in the payment options screen.
How does this work?
1
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1answer
83 views
Is there a service similar to Amazon Flexible Payments in Egypt?
Particularly, is there a payments service which will allow me to reserve funds on a customer’s credit card and settle these funds later?
5
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3answers
294 views
How can you reduce the number of credit card chargebacks for a website selling high value products that are vulnerable to fraud?
From this question on Merchant Account Chargeback Ratios, one answer suggested that websites selling high value items will have higher charge backs because more criminals will attempt to purchase ...
2
votes
1answer
205 views
Merchant account charge back ratios
Anone familiar with the charge back ratios for merchant accounts?
I am starting a monthly re-occurring billing service that will no doubt have lots of charge backs from customers. I'm trying to ...
2
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4answers
402 views
What is the most affordable combination for taking credit card payments online from around the world?
I have looked at the similar questions posted and believe mine is different - please read the specifics of my question below:
Assuming we do not want to use PayPal (or Google Checkout etc.), it seems ...
2
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7answers
497 views
Good options for credit card processing
I'm bootstrapping a micro-startup hosting service with very, very little capital.
All of my customers will have recurring billing with a possible trial period. Initially I integrated with ...
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3answers
415 views
Should I give a discount when people pay with credit card
I have a software product (price around 700 USD). Some customers use PayPal, which is very low-touch and easy for us. Others want to do the whole procedure: RFQ / price quote / PO / invoice / wire ...
1
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1answer
255 views
Business Operating under 2 names for CC purposes
I currently have a LLC that I am operating under. I am wanting to start a web service that will be accepting credit card payments. The web service will go under a name that is very different then my ...
4
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1answer
154 views
Corporate credit without putting CEO as a personal guarantor?
Looks like a lot of things have changed, since I've had to look for this last time.
Right some of us have corporate credit cards at our company, but all of them have my CEO as a personal guarantor. ...
3
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2answers
315 views
What is the quickest way to offer your SaaS customers credit card billing?
I have a SaaS product and want to offer my customers the ability to accept credit cards themselves. What's the quickest way to set this up?
EDIT: I'm starting to think that giving the SaaS user a ...
3
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4answers
265 views
Reward deals on Business Credit Cards? Who gives the most kickback?
There are just too many incentives and rewards credit cards out there to choose from, so I wanted to ask if anyone knows of a business credit card that is particularly good.
Ideally I am looking to ...
3
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3answers
352 views
What's the most efficient and cost-effective way to become PCI compliant?
I'm working on a business-to-business web app.
About a year ago we gave our users the ability to charge credit cards (from customers calling them over the phone) directly within our software system.
...
7
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8answers
554 views
Accepting payments… subscription plans
So, I am a total newbie when it comes to payment processing, acceptance of payments, subscription plans, etc.
I've recently built out the SaaS offering and will be in beta with it through the end of ...
6
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5answers
333 views
How can I handle occasional credit card transactions?
I use Paypal to handle payments. Recently I found out they require the customer to have an account for large transactions. However, it is impossible for a corporate credit card user to create an ...
4
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3answers
613 views
The effect of my personal credit on my new LLC
If I have "less than stellar" credit, does this mean that my new LLC starts off with the same "less than stellar" credit ranking?
4
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2answers
294 views
Customer claims they have been charged twice over a year ago
I sell software and have recently been contacted by a company that says they have been charged twice for software purchased from my web site, the software sells for $1000 USD. They did purchase one ...
2
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2answers
541 views
Do you have a recommendation on a micropayment credit card processor?
The transactions on my website are between $0.99 and $5.00. Paypal and other similar processors, charge 2.9% with a $0.30 transaction fee. This fee structure (particularly, the transaction fee) ...
1
vote
1answer
707 views
Can you act as a white-label payment service built on top of a payment processor?
Can a company who has a merchant account act as a white-label "middle-man" between another merchant and a payment processing company like Paypal? For example, a white-label company offers an API into ...
3
votes
1answer
409 views
Top 20 US banks payment processing applications
Are there any research papers showing what applications the top 20 US banks are using for their credit card / payment processing application?
For example, Citi is using Visionplus and so is GE. Wells ...
2
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2answers
594 views
Peer to peer marketplace payments
I am in the process of setting up a peer to peer marketplace. I would like to allow buyers to pay directly with credit card, and sellers to receive batch payments into their checking account directly ...
2
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2answers
560 views
Payment processing questions for yet another SaaS model
We are working on building an e-commerce solution and offer it as a SaaS. Our service is limited in customer base, as in, we are only willing to provide this to a certain niche [handmade gifts and ...
