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Thursday, February 28, 2013

How to Select a Best Online Payment System

Do you want to set up your online business? The internet can certainly be the best place to sell your product. But before you can actually do that, you will have to keep a number of things in mind. The first step to have a business on the web is to have your own website. There you need to display photos of your products and provide information about your company and products or services. Another important thing that you need to do is to have an online payment system. It is essential to select a payment method that is completely secure so that people can trust you. It helps to build a strong bond between buyer and seller and in turn will allow buyers to return to you. Thus you will be able to perk up your business in a great way.
There are thousands of buyers who buy stuff online. This is why you can make use of the internet to sell your products in an effective manner, but it is only possible if you have a secure payment system. A number of systems are available. Some of the most popular ones include PayPal Technology, Google Checkout and World Pay. Also, you can use authorize.Net etc.
The debit and credit card is one of the most preferred methods of payment. Once you incorporate the best payment system, you will be able to help buyers with safe transactions. To know which payment system can be best for your business, you should explore them in detail. Check out how each works. You can also try out different methods and see if they are suitable for your particular business or not.
While selecting an online payment method, the most important thing that you need to take into account is the security. No buyer is interested in purchasing something from a site where the payment methods is not secure. Another aspect that you need to consider is the Transaction Fees. Different online payment methods have different transaction fees. You can compare the fee of different systems and see which one you can afford. The payment system that you select should also be user friendly otherwise buyers may feel reluctant to use it. If buyers do not find the system easy to use and friendly you may lose them. These simple pointers can help you choose the best online payment methods without having to worry about a thing.

Online Payment Processing - Processing Your Payments Online

As a business owner, there are many things that you need to concern yourself with, including your bottom line. One way that you can impact your bottom line is by lowering your costs, and one way that you can lower your costs is to consider how much it costs to collect payments from your customers. Every payment processing solution costs you money, typically a per-use fee that is rolled into the payment from the customer. Technically it is the customer that pays this fee, but unless you are tacking it on extra, it is coming out of your bottom line. One way to reduce costs associated with collecting payments is to utilize a cost effective online payment processing system.
Online payment processing is beneficial for a business for several different reasons. First and foremost, it can greatly simplify the amount of effort involved in collecting payments from clients and customers by greatly automating the process. When you automate the process, such as with ACH or Automated Clearing House payments, the money is going to be debited automatically from the customers and credited to you, meaning that there is a lot less stress involved since you do not have to invoice customers and wait for them to make their payments.
Another great benefit of online payment processing is the cost savings. By handling your payments online in an automated manner, you can cut down on the costs by quite a bit. Rather than paying an average of more than a dollar for each eCheck payment that you need to clear, you may only end up paying pennies for automated clearing house or ACH payments. The right payment gateway can make it possible for you to accept payments automatically through an Internet connection, and this can save you a lot of money as well as time and effort.
When you are running a business and you are concerned about ease of use, price and convenience, then you should definitely consider all of the merits associated with online payment processing through ACH or automated clearing house systems. This type of payment processing is cheap, easy to use and automated, meaning you can focus your attention on more important matters while the payments simply roll in, which is how things should be when you think about it. This is the right type of payment processing for you to employ for your business to be successful.

Online Payment System - The Important Things You Should Know About It

An online payment system has its own benefits. Recently, the online payment system has emerged to be extremely successful and popular. This is due to several reasons. Not only is it fast and easy but this method of transaction is solid and safe as well. Initially, when the online payment system was introduced a lot of people were skeptical about using it because they thought that the internet was not a safe medium to be exchanging money and other valuable possessions. However, there have been many new developments in this system to make it safer and more trustworthy. This has greatly increased the usage of the internet as a medium to make quick and easy transactions. Not only has this changed the way the world makes payments now, it has also made it a lot more efficient.
Credit cards and smart cards have become highly popular these days and the most common forms of online payment nowadays. This means that you can access your credit and mange your account with ease and make the entire process a lot easier. This makes everything simpler. Also nowadays, there are many means by which your account is protected online so that no one can trespass into your private information. This online payment system makes paying bills a simple task. Managing your credit card also becomes fairly simple with this system of paying online. In addition to credit cards, there are smart cards as well which are similar to credit cards with the only difference of having an 8 bit microprocessor. It takes the online payment system to the next level by making use of electronic cash instead of real money. It transfers this electronic cash from the account of the consumer into the account of the seller.
Electronic bill payment and presentment is another feature of this online payment system. This is nothing but another method of paying your bills online. Now almost all major banks, companies and firms have methods to pay them online. This makes work a lot easier and interactions between corporate groups much simpler and quicker. In today's world when everything is so fast paced, we cannot wait for transactions that involve long queues and endless hours of waiting. This system makes for an innovative and refreshing change which as been welcomed by all.
Apart from the traditional credit and debit cards there are other options available which are a part of this system. They include the digital wallet, e cash, mobile payments and e checks. There is another from of online payment system as well which involves a third party that makes the payment on your behalf. This makes the job that was already so easy even easier for you. These parties are called Payment Service Providers. PayPal is an example of such an organization. So as you can see there are numerous ways in which you can complete your online transactions and save yourself from the hassles of standing long queues to pay bills and waiting for ages to get a job done.

Top Five Benefits of Using An Online Payment System

The Internet is a huge, open marketplace where businesses and consumers meet. It is a great way for companies to promote their products and services to a wider audience. In order to tap this growing marketplace, you need to set-up an e-commerce website.
Your website should appeal to your target audience. It should have great graphics, informative content and superb customer service. You also need to optimize your website in order to generate traffic.
Let's say you have done your homework. You created a great website, gained ample web traffic and quality leads. But how do your customers pay for your products or services? You need to have a reliable and secure online payment system to facilitate orders and payments on your website.
Benefits of an Online Payment System
A well-designed online payment system helps maximize the leads you get from your web traffic. A well-designed e-commerce website with a simple and hassle-free payment method will definitely give you an edge over your competitors. It offers an array of benefits:
* Centralized Payment System
Having an online payment gateway allows you to centralize all your business' payment processes. It gives you a complete overview of your revenue. It also helps determine which payment processes need improvement in order to provide better customer service, and generate more income for the business.
* Availability and Flexibility
Having an online payment gateway guarantees that your website is capable of processing payments at all times. It allows your customers to pay anytime and anywhere. It also provides customers different payment methods aside from PayPal. This makes it convenient for your customers and ensures customer satisfaction.
* Lessened Cost and Time Usage
Having to worry about processing payments and dealing with payment issues can be costly and time-consuming. An online payment system is capable of handling payment processes in real-time. It does not require additional administrative help for it to work. This means less business expense, and more time for you to focus on more important business matters.
However, make sure that your electronic payment system is tailor-fit for your website. You can check online for companies that offer web services like web design, development and even online payment systems.
Choosing the right business website creator to help with your online payment system is very important. Be sure to compare and get as much information as you can about the service to help you make an informed decision.

Is it Easy to Accept Payments Online?

If you've just started a new online business or if you're a small brick and mortar business looking to expand to the internet, you may want to add the option of paying by credit card to your website. The ability to process credit cards online offers convenience and security. As you probably already know, shopping online with a card is fast and easy. However, if you've never dealt with online credit card processing, you may not be certain how to go about setting up your website to accept online payments. The good news is that it isn't that difficult at all. In fact, it's fairly easy.
First, you'll need to find a good credit card processing company. There are many out there, but not all of them provide the same types of services. One thing to be mindful of when choosing a merchant account provider are the monthly fees, discount rates, and any contract you sign. You'll want to find information on a number of different processing companies so you can compare and contrast and decide which is best for you. It's important too, to know which payment gateway your merchant account provider uses as some shopping carts are only compatible with certain gateways.
Once you've selected a credit card processing company, they should give you all the instructions and resources you need to set up your account and get the payment feature onto your website. Most of the time, all it involves is selecting the proper payment gateway from your shopping cart's list and adding your merchant account number. There is usually no coding involved. But if you have very specific needs your merchant account provider should have technical support staff to help make sure you get everything set up.
Normally you can be completely set up and ready to accept card p[ayments in under 48 hours, with some companies offering expedited activation. So it really is easy to accept payments online. And in today's market you really can't afford to be online and not accept credit cards as a form of payment. If finding a processor has been on your list of things to do but you just haven't gotten around to it, do not put it off any longer. The average website can expect at least a 25% increase in sales by accepting credit card payments.

How To Receive Payments Online

When you are building your online business, one of first questions that might be giving you a hard time could be, "How in the world do I accept payments on my site?"
The most common way to do this is by means of a shopping cart program, this is a software that allows you to list products/services on your website and collect payments from your customers. There are several options on the market and they differ both in levels of complexity of use to price range. Your decision should consider 2 things:
1. What stage of your business are you at, right now? Do you even need a shopping cart or can another a cheaper solution solve your need? What type of product are you selling and what especial order requirement does the shopping program needs to consider?
2. What is your level of programming experience? This is very important because if you are not computer savvy a lot of the programs out there are going to confuse you, make you waste a lot of time and give countless hours of frustration and the additional cost of paying for a programmer to set it up for you.
If this is your case, I would look for shopping carts that have their own set up wizard and come with built-in templates that you can set up yourself and avoid all the hassle. They wont be as flexible and sometimes you wont be able to customize it like you want to, but I think this will be a fair trade-off. Also look for good customer support.
Also, your budget is something to have in mind. Some solutions out there are between $200 to $800 or even higher so it can drain your pocket specially if it doesn't help your business to grow. One option that I recommend my coaching students is PayPal, they are a nice simple alternative and very cost-effective, if you are on a budget and you want something that is easy to implement right way.
Also have in mind that in order for any shopping cart system to work properly and for you to be able to collect your earnings you will need to have a merchant account - this is the same as a normal ordinary account with the only difference that it allows you to receive debit or credit card payments. Once your bank process your application and you arrange the integration with the shopping system of your choice you are ready to sell online.
I know how daunting and frustrating it can be out there looking for information and trying to start online with so many options that you cant even begin to phantom where to start.
Finding the right niche for you, it's the key to success online.

Friday, June 22, 2012

4 Elements of the Process to Collect Payments Online

Collect Payments Online
To make money selling your products online, you have to be able to collect payments online. The payment process is one of the most important aspects of your business to set up ensuring a great buying experience for your customer. Without a clear, well-defined payment process, you will be missing out on sales.
The Elements of the Payment Process
The payment process has the following elements:
  • Sales Page
  • Up-sell/Down-sell Page (optional)
  • Payment Processor
  • Post Sale Page
The sales page is the most important part of your payment system. This is where your clients or customers make the final decision to spend money for your services or products. Your sales page grabs attention and persuades. It describes outcomes, benefits and product features, adds a clear call to action, and names the price.
There are many types of sales pages that you can use, depending upon the nature of your business.
If you are selling just one product, such as an information product, then a single sales page is all you will need. There are many forms this can take, from the long form sales letter with testimonials and in-depth product descriptions all the way to a simple page with just a product name, price, and "Buy Now" button.
The Up-sell/Down-sell Page
"Do you want to super-size that?" is the classic example of an "up-sell." It is where you add profit to your business while the customer is already spending money with you. You simply suggest other products you offer that enhance the current purchase. For example: if you sell group coaching packages, you could offer an up-sell of individual sessions in addition to the group sessions.
The reason this is optional is twofold. One, you may not have other offerings to use in an up-sell. Two, many consumers find this to be a turn-off. When used properly, it can be very effective.
Simply have one page that describes the up-sell, with a clear "Yes, I want the Deluxe package" purchase link and a "No, thanks" link for the original item. Then take them to the payment processor.
The Payment Processor
The purchaser of your product or services goes to the payment processor (e.g. PayPal, to actually transfer funds to you in exchange for your products and services. There are many online payment processors available for your use. Your choice depends upon a number of factors related to your business model and the nature of your products and services.
The Post-Sale Page
Once the financial transaction has taken place, you take your customers to a page that tells them the next step. The nature of this page once again depends upon what you have just sold to your customer. The most important function this page performs is to inform your customer about how the sales process will be completed.
If you are selling coaching, you should take them to a page where they can schedule their first session. For an information product, you should either take them to a page where they can download the product or give them information about an email with instructions for them to get the product.
Putting It All Together
With a clear idea of each of the elements and how they work together, all that's left is the mechanics of creating the pages you'll need and getting an account at PayPal where you'll create a "buy now" button to place on your sales page.
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Accepting a Credit Card Payment Online With PayPal

Accepting Credit Card Payments Online With PayPal Is A Breeze
Accepting payments online is the final step to business automation. Online Payments are when a user makes a payment for a product or service online rather than in person or through the mail. It's fast, easy, hassle free, and not to mention secure. One of the best ways to build a visitor's trust is to use a secure payment processor such as PayPal.
I typically work with PayPal because they are one of the most widely used online payment providers, and well regarded for their security. You can accept payments and make payments with them with a click of a button.
In order to set up this process, all you have to do is:
o Create a business account with PayPal.
o Connect the PayPal account to your business checking account so you can deposit the money you accept online.
o Create a "Buy Now" button code-simply enter the product name and amount and the code will be generated.
o Put the "Buy Now" button code on your webpage.
When a user visits your websites, they:
o Click the "Buy Now" button that you put on your website and are directed to a PayPal page where they see the product name and amount.
o Enter their PayPal account or credit card information to purchase.
o Are given a summary of their purchase, and receive an email confirmation from PayPal.
You will also be sent an email notification that you've made a sale. Honestly, seeing these notifications in my Inbox is a constant reminder that my systems are a success.
Another great feature about PayPal is that you are only charged a percentage of the overall sales amount plus a small transaction fee. This means you're not out any money until someone buys. Also, if for some reason a buyer wanted to return a product, issuing a refund is as simple as logging into your account, finding the transaction, and clicking a button. They also offer a variety of reporting tools to help you track overall sales figures for monthly totals and taxes.
Payment Processors
o PayPal
o ClickBank
o Google Checkout: They don't charge a transaction fee if you use AdWords.
I suggest offering multiple payment processors on your website in case a visitor doesn't feel comfortable with one.
Deliver Digital Products
The easiest method for delivering digital products is E-junkie. For a measly five dollars a month, they will process and deliver all your digital products and is compatible with PayPal, ClickBank, 2CheckOut, and Google Checkout. All you have to do is upload your product to their website, link e-Junkie with your payment processor account information (e.g. PayPal) and they'll do the rest. They even manage an affiliate program for you as well, for no added cost. They have excellent customer service and an easy to use interface. Can you tell I like these guys or what?
After a user purchases your product through PayPal, they will automatically be redirected to a page on e-junkie (which you can customize) with a link to download your product. As a back up, they also send the user an email with the download link in case they didn't get redirected. It's a completely automated process and is simple to use.
As you can see, accepting a credit card payment online is not only easy to set up, but also allows you to automate this aspect of your business.
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9 Things to Choose a Good Merchant Account Provider to Accept Credit Card Payments Online

A merchant account, for starters, is a special account set up for businesses to receive and process credit card payments. If one wants to set up an online merchant account for a website, he/she has to make sound decisions on whether the services provided are suitable for the website and business in all aspects. Some common factors to look into as you select a credit card processor are:
1. Fee Charged.
The fee charged on the account should be reasonable and within the range of the quality of the services offered. Low costs should not be a basis for selecting a service provider as many of those low costs are catered for by hidden charges and charge backs, something you must be wary of. Usually fees start from 2-3% and goes up to 10%. Make sure you find out not only the discount fee that you are charged for each transaction, but also a flat fee that goes on top of each transaction. Moreover, refund fees and chargeback fines are very important, because they range for some accounts from a few up to hundreds of dollars.
2. Special Offers
Discounts should be taken advantage of. Many discount offers are available that can be utilized. Some merchant accounts provide minimal funds transfer fees or provide some discounts for signing up on them - either for credit card processing fees or give you additional goodies.
3. Terms of Agreement
One should have full knowledge of the agreement terms as they are binding once one enters an agreement. The services of a lawyer can be engaged here since some clauses in the conditions may be cunning enough to be noticed by a normal person. Renewal of agreement and termination procedures must be fully known incase the client wishes to discontinue the services. Some merchant account providers asks you to sign a long term contract or pay huge startup or monthly fees to maintain an account. Make sure you understand what you are paying for.
4. Services Offered
When a client engages in a merchant account services, he/she should be able to know the extent of the services offered by the dealer so that he can choose the kind of service that suits his needs. Whether you need only a merchant account for processing payments online without any virtual terminals - make sure to find out what your service provider has to offer. Otherwise you might be paying for service that is not necessary for your online business.
5. Customer Support Services.
The account provider should have a reliable and fast customer support system that operates on a full time basis to be of help to clients who have difficulties accessing the services as online procedures can be hectic at times. Write to the company a couple of e-mails to find out how their support works and if they treat you like a real customer. Avoid companies with bad or no customer support.
6. FAQs
The merchant account provider must also contain all the frequently asked questions so that users can read through and clear their doubts and get their questions answered themselves.
7. Guidelines
All the guidelines with detailed steps and procedures must be clearly mentioned on the site so that people have enough information about the process. Usually many merchant account providers says that they can have your account up and running in a couple of days, however, usually it takes at least a couple of weeks. Find out the real time frames when you can expect to have your credit card processing account working.
8. Security.
For a client running an online merchant account, security measures should be of the highest level to prevent hackers and online geeks from accessing clients' information. Make sure your credit card processor has a good antifraud system that monitors your transactions and protects you from fraudulent orders. This will save you from a lot of headaches.
9. Define Your Needs.
Knowing the kind of services your website will provide will enable you to engage the right merchant account and hence giving your website's clients what they need. Check out companies like Click2Sell.EU - they offer the credit card processing services for your business. Tell them what you are planning to sell and what are your business goals and then you will get the advice on which way to go.
As much as we would want to embrace the technology and ease with which we do our transactions, we cannot afford to jeopardize the safety of our business. We must choose quality services which are up to par. So make sure you take into account all these steps when you select a merchant account provider for your online business.

Securely Accept Payments Online

There are many reasons why one might want to accept payments online. Perhaps you sell a couple of products, but not enough to spend the time and money necessary to setup a full-fledged shopping cart. Maybe you are running an event and need to let guests register. Or you are driving a fundraiser campaign and want to anonymously accept payments online. Regardless of the situation, there are three main ways that you can begin to accept credit cards online.
All methods will require two things. A payment gateway allows you to take credit cards via the Internet. This will most likely be provided by a third party. The second thing you need is a merchant account. This lets you receive money at your merchant bank. Often times the payment gateway provider will help you set this up.
The first method of accepting online payments is through your own website. This way allows for the most flexibility with branding and design of the payment form. Once they fill out the form, you will send their info to the payment gateway provider and begin the process of accepting credit cards. While it allows for a lot of flexibility and branding, this way takes the most effort.
The next way to accept payments online is via a third party payment page. This is very similar to creating your own, except that the page will be hosted on a third party website. This relieves you of the security requirements necessary to take payments from your website. It also limits your flexibility. Depending on the third party provider, you may or may not be able to customize the online payment page.
Finally, you can accept credit cards online via a virtual terminal. This is very similar to a cash register terminal where you have to type the credit card information manually. This way does not provide a way for your customers or guests to sign up themselves, but let's you directly control the transactions.
Regardless of your needs, accepting credit cards online can be an easy and painless process. Finding the right third party online payment system is key to smoothly accepting online payments.

How to Accept Payments Online With and Without a Merchant Account

If you are not accepting credit cards online, you will lose sales. The more card types you can accept, the higher your sales will be.
Credit cards are the most popular way to pay for products and services on the Internet. The majority of online customers will pay by credit card, debit card, electronic check, or PayPal. Very few people will mail in a check.
To accept online payments, you'll typically need a merchant account, a payment gateway, and a shopping cart. A shopping cart on a web site collects the payment information, communicates with the payment processor and gateway, verifies that the credit card or echeck is good, and returns the authorization or denial to your site. This all happens very fast.
Through the shopping cart software, you can set up a thank you page that will automatically appear when the payment is authorized. When selling ebooks or software, you can put your download links in your thank you page and automate the complete ordering process.
You'll pay an activation fee and monthly fees for both the merchant account and the shopping cart - usually around $30/month for each.
Some shopping carts are more powerful and user friendly than others. Some of the better shopping carts allow you to set up many products, support recurrent billing, set up membership sites, provide upselling options, and your download page can expire automatically after a certain period of time. You can choose from many shopping cart plans depending on your needs. You can start with the basics and upgrade anytime as needed.
Did you know that there was an alternative to paying monthly fees for a shopping cart and a merchant account?
Third party payment processors offer an inexpensive alternative to accepting credit cards online without a merchant account and without monthly fees. Third party payment providers allow you to take payments online without having your own merchant account and without paying monthly fees. Third party payment processors will process payments for you. A third party provider gives you a link to a secure site where your customers place orders using their credit card or check. You receive your payment from the provider instead of from a bank or financial institution.
It's easier and faster to use a third party payment provider. You don't have to qualify for a merchant account which typically involves having good credit. And you don't have to pay monthly fees for a merchant account or for a shopping cart. Typical fees include an activation fee and transaction fees. The transaction fees are typically higher than you would pay when having your own merchant account.
Give your customers several different payment options to order your products or services. It's essential to accept credit cards when doing business online. Some customers don't have a credit card or don't like to order online, so you still want to give them the option of faxing their credit card information or sending you a money order.
Which system you should choose to accept online payments depends on the amount of sales you are generating. If you are generating a good amount of sales, you will probably want to get your own merchant account.
If you're just starting out, you should consider third party payment processors. When you start generating regular sales, you can switch to a traditional merchant provider to save on transaction fees. Start accepting credit cards online now and see your sales soar!
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Quick Guide to Accepting Payments Online

There are many ways of accepting payments online, some are easier, some more expensive, and some which offer ways to take online payments, and pay affiliates without tracking them yourself.
Accepting payments online can be a minefield and as the amount of online payment processors grows, the choice becomes more difficult as to which online payment processor to use. Here we weigh up the pros and cons of 3 of the top online payment processors.
One of the biggest and most widely accepted ways of accepting payment online is to use Paypal. Anyone who has used Ebay is likely to have already come across Paypal even if they haven't signed up for an account. Paypal allows the online merchant to accept instant payments from customers either directly from the customers Paypal funds or from a credit card. This combined with its high profile, and use by Ebay makes it a useful payment processor to the new marketer online.
Paypal also gives you easy ways to create buttons and sales links to sell your products, and in the case of digital or
downloadable products can be set to send a customer straight to the download page so your delivery work is done automatically. The thing to bear in mind is the fees associated with Paypal, as they take a percentage of every sale paid through them. The fees can soon add up and knock a hole in your profits.
Another favourite payment processor with online marketers is who also accept credit cards on your behalf.
Clickbank is preferred to Paypal by some vendors due to its built in affiliate program which also has many affiliates searching for products to sell for commissions.
Clickbank makes it easy to setup an affiliate program and pays your affiliates for you directly, and can also offer the
instant downloads the same as Paypal. As it already has a huge army of affiliates and people making search scripts to find
products in the Clickbank marketplace it seems to be the answer to all your online sales needs, but unfortunately Clickbank
have made it difficult to sell more than one product, so you need another account each time you want to sell something, or
all your products on one page for affiliates to send their potential clients to.
Another thing in Clickbanks favour is that they have recently started allowing payment from Paypal, so that makes the payment options more varied for your customers, and affiliate customers. Clickbanks one drawback is that you can only sell digital products through its system, so if you want to sell physical products such as books etc. then you need to look elsewhere.
Another option is to use an online credit card processor such as 2 Checkout (AKA 2CO) which offers the user the ability to accept all kinds of credit cards, and is able to be "plugged into" many shopping cart scripts for use on websites. Although it offers no affiliate program itself, 2Checkout doesn't stop you using multi level affiliate scripts, unlike Paypal, and Clickbank which are limited in this respect. Where 2Checkout doesn't compare so favourably is in the fees charged for each transaction, but you do only pay a one off fee to get an account unlike most credit card processors which charge fees and a monthly or yearly membership fee.
These are just some of the choices available to the online marketer who wants to accept payments online, all have pros and cons, but you need to look at what you want to do, and choose one or two of these services to start selling your products online. Use the one which best fits your business model, and budget, you can always look at other ways to accept payment later, but these will get you started.

Process ACH Direct Deposit Payments Online With an ACH Software Solution

If you would like a quicker, more efficient and cost effective way to process payments online for your business, then you should look into setting up an ACH direct deposit processing payment solution. ACH direct deposits offer a better way to transfer, credit and debit funds to and from your client's bank accounts with ease.
If you are not familiar with ACH is, then here's a little explanation:
The Automated Clearing House (ACH) is an electronic network for financial transactions. ACH processes large volumes of both credit and debit transactions which are originated in batches.
Some of the most popular ACH payments include:
  • Direct Deposit of payroll, Social Security and other government benefits, and tax refunds
  • Direct Payment of consumer bills such as mortgages, loans, utility bills, insurance premiums, and other forms of online bills
  • Business-to-business (B2B) payments
  • Electronic checks (e-checks)
  • Electronic Commerce (e-commerce) payments
  • Federal, state and local tax payments
As you can see, ACH can be used for just about any type of payment transaction that may need to be processed online for your business. Not only is ACH versatile, but it's also more cost effective than accepting credit card payments or even submitting payments through snail mail because you can submit payment for less than the cost of a stamp - plus you don't need an envelope and don't have to waste time to write the check, put it in the envelope and mail it out.Here's a few more benefits:
  • It's quick - your money is where it's needed in just 10 minutes
  • It's convenient - because all businesses have a bank account, it's easy to transfer to and from with ease.
  • It's available to everyone - you don't need a bank account or credit card.
  • It's easy - after you're setup, the rest is a piece of cake.
  • personal - you can add a complimentary 10-word message with each payment.
Setting up an ACH payment solution for your business, using some type of ACH software and integrating it with your website or back-end payment system, would be a great way to save time, money and streamline your business in many aspects. There are many ACH software solutions but I highly recommend finding a company who would completely automate the entire process for your business.My company, Hudson Horizons, developed our own automated ACH software, which we easily integrate it into the back-end of our client's website administrative sections. This provides our clients with the ability to easily credit or debit ACH transaction payments to and from their customers in a matter of seconds.
Also, for those businesses that need to submit bulk payments at once, we've developed an ACH batch processing payment software that allows our clients to submit batches of payments in minutes, completely streamlining their bulk transactions and reducing the overall lifecycle of their entire payment process.
So as you can see using an ACH payment service or integrating automated ACH software solution can be highly beneficial for your business. I'm very pro-ACH not just because my company has developed our own ACH payment software but also because I use it for my business and it saves us thousands of dollars a month and could definitely do the same for yours.
Process ACH for your business is the future of online transactions and will continue to be the way we accept and process payments online for many years to come. Do your business a huge favor and look into an ACH software solution today.
At Hudson Horizons, we provide website design, development, content management, e-commerce integration, RSS content distribution, search engine optimization, e-marketing services and the development of custom applications such as blogs, newsletter systems, online ACH software payment solutions and any other Web application that may be needed to help simplify your business.
Hudson Horizons is an e-business product, solution and marketing company specializing in creating highly sophisticated customized websites, web-based software applications and providing e-marketing and SEO services for small and mid-sized businesses.
Our vision and ultimate ambition as a company is to always strive to be "The New Light for e-Business." By offering new, innovative and extremely competitive products and solutions to our clients, we provide better ways to run and operate a business online.

How Can Any New Business Accept Payments Online?

Many businesses have begun to accept orders online. The 24/7 availability of an online store, combined with the many advantages of an online marketplace, allow many new businesses to make sales they would otherwise not be able to take in. There is a problem, though, in that since there is no physical storefront, electronic banking is required. This is most commonly done through the use of a charge card, however not all businesses are set up to take online credit cards. Luckily, any new business can quickly and easily be set up to take credit card payments online, and many services have cropped up to assist companies in taking in revenue.
Originally, card payments were taken manually. A person entered their information into an online form, and then a physical person would run the card through an old-fashioned credit card machine to have it checked by a bank. This option is still available for persons who do not take many online orders and do not anticipate they will have much need for it. It is, however, primitive and not automatic and does not allow a merchant to immediately deny credit card information that was not typed in correctly or is fraudulent.
More commonly a business will have an integrated secure platform which will run the information on the bank and the charge card issuer and ensure that the card number is legitimate and that it's use is not fraudulent. Most large companies have complex, in-house coded programs integrated with those of the credit card issuers and banks, however this is not an option for new or small businesses. Luckily, there are a number of credit card processing services which will, for a fee, process the information.
One of the most common processors on the internet today is actually PayPal. Originally intended as a virtual money transfer system for eBay users, the versatility of PayPal has made it a preferred system for many thousands of small businesses. PayPal has been in the business of taking charge card information via the internet for years, and as such they have developed simple storefronts which allow even those who are not computer literate to take online orders. They have the disadvantage of high fees, however, and all processing is done through their system.
Persons looking for a smaller fee system or a no fee system of running credit card numbers online can purchase simple software packages, often ones which are custom designed for specific types of virtual storefronts. There are many options in this regard, and customers should pick one with a good reputation and technical requirements that they can meet. A good way to find out which services are of high quality is to talk to other small business owners, along with banks and card issuers. Not all credit card services are alike, after all!
There are a great variety of options when a new business looks to take payments online, from PayPal and virtual processors to old-fashioned pen-and-paper based order forms. In any event it is important for an online retailer to pick a system they are comfortable with and which has a good reputation and fees they feel are appropriate. The best way to find out which payment system is best is to contact card issuers and small business services and see which ones they recommend. Odds are that most new businesses will need to contract out their card processing, but there are a great variety of high quality services in this regard. It's simply a matter of finding out which one is best for each new business.