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 Why You Need A Merchant Account & Payment Gateway

If you're looking for a quick and easy storefront solution that doesn't require HTML and includes everything you need including a merchant account and credit card acceptance for only $49.95 USD/mo American merchants accepted! click here

In order to take any credit card orders you must have a merchant account. The merchant account company will take a percentage out of each credit card order you take (referred to as the discount rate), and give that money to the credit card company (i.e. VISA or MasterCard). Then the merchant account company will deposit the rest of the money in your business checking account. Most money will be available to you within 48 hours.

A Payment Gateways serves 3 purposes:

  1. It allows you to perform 'real-time credit card processing' in conjunction with your online shopping cart program such as Miva Merchant or ECbuilder.

  2. It allows you to manage your credit card charges through your browser including inputting credit card charges, viewing charges, processing returns, reporting, and performing searches. Your gateway replaces the 'keypad' or 'swiping device' that you see in most brick and mortar businesses. Everything can be performed online in your browser!

  3. Fraud protection is performed by the gateway which helps your business minimize fraudulent orders

 T he following are the recommended providers:

total merchant services  
Click on logo for application
Total Merchant Services is a Member Service Provider (MSP) of HSBC Bank USA (NYSE Symbol: HBC), one of the largest banks in the world.

For back-end settlement of merchants' daily and monthly transactions, and for chargeback and retrieval processing, Total Merchant Services works with Global Payments, formerly NDCecommerce (NYSE Symbol: GPN).

Total Merchant Services works with a number of front-end authorization networks including NDC East, NDC Central (formerly MAPP), NDC West, Visanet, and Paymentech.

For Internet merchant accounts, we work with several Internet gateway providers including Verisign, and Plug 'n Pay Technologies Inc.

For wireless merchants, we work with the leading wireless service providers including Cingular (RAM network) and US Wireless Data (CDPD and Motient networks.

Paystone Paystone Technologies Corp is a private US and Canadian based Internet payment technology company dedicated to providing secure, easy, real-time Internet transactions. Using Paystone's account to account system, Paystone can efficiently handle even the smallest financial transactions, micropayments as low as 25 cents. The ability to handle micropayments opens a whole new world for entrepreuners of all sizes. There is currently no set up fee nor any monthly charge for the use of paystone and our discount rate is significantly lower than other merchant account providers. Visit us at and your Web site can start accepting orders within as little as two business days! These and other unique features make Paystone a compelling alternative to traditional merchant account providers.

PSi Gate
American Merchant accounts!
PSiGate provides Premier Secure Transaction Processing Services that is a world class solution deployed on Sun Solaris, Oracle and Sun Enterprise Servers in a fully redundant, mission critical, clustered configuration. We are able to ensure maximum performance while taking into account power, security, disaster tolerance and bandwidth requirements. They are also able to provide merchant accounts and transaction processing in both UDS and American dollars. They have a very high acceptance rate also.

Click on logo for application
Cardservice International is the largest independent credit card processing company in the country with over 12 years of experience, specializing in serving non-traditional merchants, such as new, Internet-based companies, home-based, and phone order/mail order businesses. Unlike other traditional merchant account providers, Cardservice is able to establish merchant accounts for business owners who may have less-than-perfect credit. Cardservice has over 150,000+ merchants online and processes over $6+ billion in credit card transactions every year. Cardservice International is committed to providing the very best service in the transaction processing industry.


Internet Billing Company, Ltd. (iBill) is the premier provider of turnkey e-commerce solutions for leading businesses around the world. The company provides secure transaction services that enable Web merchants to accept and process real-time payments for goods and services purchased over the Internet. It also manages all back-office functions including reporting, tracking, customer service and sales transactions. Nice thing about iBill is that's it's completely web based and their is no need for a merchant account.. The check or money transfer is sent directly to you or deposited in your regular checking account.. They even have a module for subscription services that generated pin codes for automatic secure page entry... A little expensive on the transaction side but it sets up in 20 minutes and you could be selling immediately.

DISCLAIMER: PlanetVelocity does not warrant or guarantee the services or actions of this or any other service provider whose Web site is linked to PlanetVelocitys Web site. Please independently evaluate the quality of the services provided by these service providers on your own.

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