FAQ’s Home > PayPal vs. Credit Card Processing America

3rd Party Processor Comparison Report -
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In The News - PayPal fined $150,000

Our credit card processing service is a great alternative to Paypal. Not only do you get your own merchant account and the ability to accept credit cards real time on your website, but you can also setup online credit card processing and process face to face or offline transactions with our credit card payment processing. You can't do that with PayPal.

Our credit card processing service at Credit Card Processing America even has better rates than PayPals standard program and you get your money in 48 hours directly into your Business Checking Account. No volume or credit card payment processing limits like Paypal.

Related Stories

• PayPal Litigation Settlement Website
• PayPal Fined $150,000 Article
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• Anyone ever managed to claim on PayPal's Money Back Guarantee?
• Judge rules PayPal unfair

Benefits to having your own merchant account and not a PayPal account:

• No chance of PayPal freezing funds or holding money because they don't understand your business. When you sign up for an account with us, we underwrite your account so our banks know exactly what you are doing therefore, lessening the chance for you to have your funds held erroneously and hampering your cash flow.
   
• Merchant can take both online and offline orders at their home, store, office, tradeshow, etc. You can't do that with PayPal. With PayPal you can only take orders from your website. Though we believe your website sales are important, it is also important that you make sales face to face and via other marketing methods.
   
• Merchant gets funds automatically in 48 hours to bank account of their choice.
   
• With your own Merchant Account, your customers will not be required to open up a PayPal account just to do business with you.(This is a huge inconvenience to put your customers through just to make a one time purchase from you.)
   
• You can do recurring billing transactions for regular customers. Automatically bill a customer $100 per week or per month. You set it up once and don't have to worry about it ever again.
   
• Pay Pal does not make their phone number available to its customers. Call our office anytime and you'll get a live person during business hours.
  
   

Frequently Asked Questions General Information Can you explain what a merchant account is and why I need one? Are there other options I can consider? Do I really need to accept credit cards? How do I get the money from a credit card sale? Can I go to a bank to get my merchant account? How do I find the right merchant service provider for my business? What do I need to open a merchant account and get set up to take credit cards? What makes a business risky to the processor? I am starting to understand how all this works but I am going to open an online Internet store Will I also be able to accept checks payments on my web site? While I now understand the components involved with online credit card payment processing, how do I actually implement this on my web site? Fees/Expenses Are there other fees or expenses involved? Those fees are less expensive than I thought it would be but there must be some other hidden fee I hear American Express and Discover are not used much and is more expensive than the discount fees Great, so it is not really an added expense to take American Express or Discover but there must be a fee from the credit card companies themselves How much should I pay for a terminal or software solution? I do not have much capital and want to save my money for marketing and other things I need to do What are some things I can do to reduce chargebacks not related to fraud? Risks and Safety I hear it is risky to accept checks but a lot of people do not use credit cards and prefer to write checks What else do I need to know about accepting Checks? Will I also be able to accept checks payments on my web site? Is it safe to process credit cards over the Internet? I hear so much about fraud and merchants losing money by accepting bad credit cards. What can I do to reduce the risk to me? More Information What if I already have a terminal? Can have it programmed by the new processor to work with Tell me about Government, Corporate credit cards, and Foreign Issued Credit Cards. Can I take them? What about debit or check cards? I hear this is a good idea if I have a retail store. I keep hearing about electronic terminals, software and real time processing software on the Internet. Can you explain these things? What is a virtual terminal? Can I use a virtual terminal to accept checks? GLOSSARY OF TERMS

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