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In order to increase your leads and get more clients, you need to know 你的营销计划应该包括什么. Nevertheless, marketing your business is only one important matter to consider for your new business. You need to have everything ready for the moment your clients start to pay for your products or 服务. Including finding the least expensive way to accept credit cards to help your new clients.

A lot of small business owners get incredibly stressed when they start thinking about how much they’ll have to spend in credit card processing fees. However, not accepting credit cards is rarely an option. 因此, looking for the best way to accept credit cards for small business becomes a must. So, as a business owner, the question: “What is the least expensive way to accept credit cards?你可能会想到.

Cheapest Way to Accept Credit Card Payments
Cheapest Way to Accept Credit Card Payments

Reading this article should help you answer that question and hopefully reduce that stress as well. 继续往下读吧.

1. 选择一个商户服务提供商

Banks often contract out to a third party to process transactions and even charge additional fees to do so. Instead, you can obtain a merchant account from a 商家服务 提供者. This will allow you to process credit cards securely without the need to involve the bank.

There is no need for a third-party website with a 商家服务 提供者. Besides allowing you to process payments online, you will also get fraud protection while doing your credit card transactions. Moreover, 商家服务 will help you increase cash flow manage your finances more efficiently.

By working with your 商家服务 提供者 you will make sure you get the lowest charges and processing fees. You will also lower your overall costs and this will ensure you are able to accept credit cards in the most efficient manner for your business. This is just one of the least expensive ways to accept credit cards.

2. Choose a Payment Gateway that is PCI Compliant

基本上, payment gateways link transaction information between the credit card network and the card-issuing bank to authorize payments. 批准后, this cloud-based software will pass the funds from your customer’s credit card into your merchant account.

Making sure your credit card information is being handled within a PCI compliant payment gateway is vital. 因此, encryption and tokenization technologies are crucial to ensure your credit card information is protected. Not just through the whole transaction process but after the fact to prevent fraud. Moreover, not being PCI compliant can cost your business monthly fees up to $100,000.

3. 整合你的支付

Consider a 提供者 that offers you an option to process transactions within your ERP/accounting software to eliminate double data entry and the possibility of mistakes. Instead of marking your invoices as paid manually, you can automate the process and focus your attention, time, 和精力 增加你的在线形象 为你的生意带来新客户. Not only is this one of the least expensive ways to accept credit cards but it is also a breeze.

接受信用卡的廉价方法
接受信用卡的廉价方法

4. 接受个性化服务

To help guarantee cheap credit card processing for your business, 确保得到个性化的服务. Most customers are not able to resolve customer service problems when they cannot talk to a live person, 所以要组建一个内部客户支持团队. Speaking to live representatives who can process your inquiries and resolve account issues can be invaluable. You’ll also want to get to know your relationship manager so you can contact them directly about anything to do with your account. Additionally, get a 提供者 who offers an all-in-one solution to avoid third-party complications.

5. 选择统一费率定价

Choosing flat rate pricing will easily allow you to see how much you will pay in processing fees monthly, 不管哪种信用卡. 也, it helps you process credit cards at the same low rate every month without paying additional transaction fees. 另一方面, if your potential 提供者 only offers you a tiered pricing option, 你最好走开.

6. 避免隐性费用和强制性合同

Several merchant service 提供者s tend to attach lots of additional fees to your credit card processing 服务, 例如长期合同, 应用程序的费用, 支持费用, 安装费用, 等. 即使是大 公司需要像初创公司一样思考, and your business will not be an exception. You will be too busy with your business products, 服务, 以及担心隐性费用的创新, so make sure that your 提供者 is 100% transparent to avoid future surprises. Besides looking for the features we previously mentioned like free 内部客户支持 and flat rate processing, make sure they offer you $0 setup/upgrade/maintenance fees.

接受信用卡的最佳方式
接受信用卡的最佳方式

现在你可以接受信用卡了

By following the steps mentioned in this article, you will get the peace of mind you need in terms of credit card processing. With a secure 商家服务 提供者 that offers flat-rate pricing, 内部客户支持, 综合支付服务, 和PCI兼容的支付网关, you will enjoy the benefits of the knowing you’ve selected the least expensive way to accept credit card payments.

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