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7 Questions to Ask A Potential Internet Merchant Account Provider
By: Bobette Kyle
Recently, I went looking for an Internet Merchant Account. My mission was two-fold:
1. Open an account for myself and
2. Research options for my new ecommerce information site Take-Payments-Online.com.
After some research, I thought I'd found an attractive Merchant Account offered through a reputable reseller. As it turns out, I learned the hard way that I was wrong.
Fortunately, my experience can help you avoid the same trap. Based on my own experience, I developed a list of questions to ask a potential merchant account provider. Understanding the answers to these questions before signing an application or agreement will help make for a solid partnership between you and your account provider.
But first, the story:
My Internet Merchant Account Experience
I found what looked to be a competitive Merchant Account offered through a program at a popular reseller. Fees were summarized on the reseller's site and applying was simple. I paid an $89 set-up fee, which took me to an online application I was required to submit to get the process going.
That's when things got interesting. Submitting an application meant agreeing to a previously undisclosed 45 page merchant agreement. An unmentioned termination fee was buried on page 11.
If I ever cancelled the account, I'd be hit with a $295 termination fee. I knew from my research that the large termination fee was not competitive with other merchant accounts and other aspects of the account were not attractive enough to compensate.
Suddenly, this merchant account was not such a good deal.
More critically, however, the termination fee was not disclosed before I was required to pay for set-up. I immediately asked for a refund.
Then things got even more interesting. I was told the $89 fee was non-refundable. I'd seen a footnote that the fee was non-refundable, but interpreted it to mean only if they actually did some work and processed an application. I had not completed an application and did not intend to after learning of the extra $295.
Using the email support system so I would have documented proof if I needed it, I insisted on a refund. Still no go.
When I explained there had been no set-up to justify a 'set-up' fee, they res....[MORE]
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| Central Pacific Bank - Business Banking - Merchant Services
... . Merchant Services. . Specialized Business. Services. . Women's Business Central. Our partner, Heartland Payment Systems ... card, and related processing services to restaurant, hotel, and ...
[see more on Central Pacific Bank - Business Banking - Merchant Services]
| Business Wire: Heartland Payment Systems Introduces Online Merchant Management Services
Full text of the article, 'Heartland Payment Systems Introduces Online Merchant Management Services' from Business Wire, a publication in the field of Business & Finance, is provided free of charge by LookSmart's FindArticles service. ... be offered to merchants for a one-time activation fee of .95 and a .95 monthly merchant services fee. ...
[see more on Business Wire: Heartland Payment Systems Introduces Online Merchant Management Services]
| Heartland Card Services
The subsidiary of a Visa and MasterCard Member Bank providing a wide range of merchant bankcard and cash management services. Credit card processing, installation and set-up. Providing card authorization and draft capture services. ... We're one of the largest merchant service providers in the nation ... Sales&Marketing@heartlandcard.com. Heartland Card Services. 212 South Central Avenue ...
[see more on Heartland Card Services]
| Heartland Bank -- Central Ohio's community bank since 1911
Central Ohio's Premier Community Bank. We can customize our services to fit your needs. Check out our Portal for local shopping, world and local news, stock tracker and much more. Customize our site to your needs. ... Switch on to Heartland. Our Internet Banking service gives ... Business Relationships. At Heartland Bank we take pride in ... of loan and deposit services for you and your business ...
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| Heartland Bank: Business Banking: Other Services: Merchant Services
Central Ohio's Premier Community Bank. We can customize our services to fit your needs. Check out our Portal for local shopping, world and local news, stock tracker and much more. Customize our site to your needs. ... Merchant Services. Merchant Services is the ability to accept Credit Cards for payment at a customer business ... ©2005 Heartland Bank All Rights Reserved About Your Privacy ...
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| Heartland Payment Systems Markets Served
Credit and debit card transaction processing and a complete selection of payroll services makes one-stop payment processing a reality for restaurant, lodging and retail merchants. ... going to take the Heartland career seriously. They need to know something about merchant services. It is a ... restaurants now lead in the number of merchant types we now serve ...
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Your Merchant Services News....
|Heartland Payment Systems - Official Site|
|Heartland Payment Systems offers credit and debit card payment processing for small to|
large businesses. We feature the highest level of payment security with our ...
|Heartland Online Merchant Center|
|Welcome to Heartland's Online Merchant Center. To Request your Merchant Center Login ID,|
Please Contact the Heartland Service Center at 888-963-3600
|Heartland Payment Systems Review | Expert & User Reviews|
|Heartland Payment Systems (heartlandpaymentsystems.com) is a very large merchant account|
provider based out of Princeton, New Jersey. The company was founded in 1997 ...