Kevin asked:


When it comes to Credit Card Processing industries, (ex: Flagship, First Data Chase Paymentech, etc.) where does the bank come into play? What role do they have and why do Credit Card Processing industries need them?

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Cliff asked:


I’m starting my own online business and need to process credit cards. I’m familiar with paypal and clickbank but would like to see if getting a merchant account with credit card processing features be a better fit for my business.

However, I know that many banks do not like internet businesses, so is there a company that specializes in this type of accounts?

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Seth C asked:


Does anyone have any experience with online credit card processing? Our business needs to be able to have Sales associates take down credit info in the field and then manually enter them at home/in office, We would like to avoid wireless PDA modules because of the cost. Any reccomendations?

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day2daygrind09 asked:


I was just wondering if this was legal and if so any more details would ber very much appreciated!

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dixiegirl0270 asked:


I am wondering if anyone on here knows how i can find a job doing credit card applications/processing? for instance, if you walk into dillards and want to get a dillards store credit card, you would fill out an application and then the cashier calls in the info, i want to be the person on the other end of the phone. the one who actually processes your application and tells you if your declined or approved. Anyone out there know what I’m talking about? or how i can search for this job?

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Cavs_Fan23 asked:


I never took one of these credit card offers I got over the phone or on the internet, but I was always curious about them. I received calls when I was 18 saying that I was approved for a credit card to help get me started building credit, but I had to pay a processing fee usually between 80-200 dollars, and after I paid a good faith estimate and used the card for a month or so it would be credited to my first statement.

I thought these sounded too risky so I always told them I wasn’t interested, but I always wondered if these were scams or they just charged the fee because I had no credit yet and they were trying to see if I was willing to prepay the first 100-200 dollars.

I ended up getting a college student credit card from citibank and built up great credit in the last 3 years and have several low interest rate credit cards and charge cards that I find useful and pay on-time.

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Olga K asked:


Hi guys, so far our business (incorporated in Canada) accepts only PayPal and Wire transfer.
Now we want to be able to get credit authorization forms from clients and accept credit card payment. But how shall we go about it? We don’t have any merchant account.
Shall we get some system?
If so, which one?

Another question… What if there will be no funds available on the card at the moment when we need to charge the client? Then the only way is going through collection? We would like to avoid it.

What solution/process would you recommend?

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cashloyley asked:


I heard this was illegal. What’s the deal? I’m trying to pay somebody over the phone and they want to charge an additional 2%.

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Daniel W asked:


I am opening a business and I was wondering does any one know a good software for credit card processing under $200 that can run a MAC. Help appreciated.

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World P asked:


My pay pal fees just went up so I’m looking to see if there’s a better deal out there. Looking for:

* Credit Card Processing (both online and over phone. No terminal needed, but I won’t say no if it’s free).
* E-commerce shopping cart
* Secure Server seal, etc
* Bonus: If my small firm can accept checks over phone, etc.

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