3rd Party Credit Card Processing

If your monthly sales volume is less than US $1000, then you may not want to spend money on the monthly fees that are associated with a merchant account. It is possible to accept credit cards without a merchant account by using a third party credit card processor.

Third party merchant account providers allow you to accept credit cards on their behalf using their merchant account. Instead of paying monthly service fees, you pay a greater percentage of all sales.

This a great option for new internet businesses that do not anticipate processing more than $1000 a month in credit card payments. However, there are some disadvantages to using a third party processor. These companies offer you higher rates and less control. There is also a greater chargeback risk since the customer may not recognize the charge on his or her credit card bill.

Some third party processor companies will hold your money as long as possible. Make sure you are aware of the time that it will take to get your money. Also pay attention to the steps that a customer goes through in order to make a payment. You may lose some business if there are too many steps.

As your sales grow, it will definitely be beneficial for you to open your own merchant account, but in the mean time you could save money with third party merchant account if you do not generate a lot of sales. Be aware that many of these types of companies have a bad reputation.

Here is a list of our top three recommended third party credit card processors:

1. Clickbank.com – If your website offers digital products only, then you can accept credit cards with ClickBank and you'll have an instant affiliate network promoting your products. Over 50% of all sales are generated by affiliates among their top selling products.
   
   
2. 2CheckOut - you simply enter your products or services into their product database and add the buttons or links which are automatically created for you to your site. When buyers click on the links, they are transferred to 2CO’s secure environment to purchase the products from them. 2CO contracts with you as the supplier to fulfill the purchase order, and deposits your commission for the sale into your 2CO account once the customer has completed the transaction.
   
   
3. Propay - ProPay is a payment services company that uses the power of the Internet to help people make efficient financial transactions for NO monthly fees. Manually enter all credit card transactions into your ProPay Account on ProPay's website.

Accept Credit Cards within minutes
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