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Online credit card processing is a jungle of different suppliers. As a merchant you have to be informed about the options out there, you also have to realize why it might be better for you as a merchant to choose one supplier over the other even though the one best suitable for your business might seem cheaper and offer the same service.

Security and how it plays into your marketing

Something that concerns most customers are security, most big online credit card processing companies are actually quite safe. If you redirect the customer to their page you and the customer should always be fine. With that said the most important thing is that the customer feels safe, otherwise he or she will not buy anything.

That’s why its so important to go with a very well known credit card processing company. This is what you should go for as a merchant, a well known brand.

Making sure you know the language of CC processing

• The customer -> Refered to as cardholder
• The webstore -> The merchant
• Issuer -> The financial institution that has issued the card for the cardholder
• Acquirer -> The financial institution or business entity that provides card processing services to the merchant
• Credit card association -> Visa, Mastercard etc
• Payment gateway -> Service that checks for credit card fraud
• Processor -> Data center that process credit card transactions and settles fund to the merchants.
• Settlement -> The term for when authorized transactions are being sent to the merchant to recieve their payment.

Negotiate with your online credit card processing supplier

Last but not least, remember that the business of CC processing is a high margin business. If you can prove that you have a substantial turnover then you can severly push the supplier prices down, saving your company a lot of money with zero negative effects.

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