Accept Credit Card Instantly

Is there a viable way for a small business to receive payments "instantly" on credit cards and/or checks that have been accepted. I know that there is instant verification of funds and such. But, the processing companies seem to hold the money for varied amounts of time that is not predictable. Or, has anyone had a good experience with a particular company as far a getting their money in a true 24-48 hour time period? Credit cards just seem to kill us from a cashflow standpoint, as we never really know when our money will be available. And, the way that it is deposited is next to impossible to tell which deposits are which, being that we have a lot of same cost charges, ie.$64.20. We may have 30 charges of $64.20, but don't know which ones are being paid and which one's are not because they are not discriminated in any intelligble way that we see.
I'm not getting the money within 24-48 hours. It's more like 7-15 days. Occasionally we may make a large sale of $10,000-$20,000 and need that money within a few days. So having them pay upfront doesn't even help when they will most definately hold a charge that large for 3 weeks or longer.
And that's bull about the banks need time to see that the money is available. They do instant verification and put a hold on the money immediately. They then withdraw the money and hold it to draw interest as long as they can.
And by the way we have dealt with 3 different companies with the same results from all 3. That's why I asked is there anyone who has dealt with a specific company that ACTUALLY releases the money in the 24-48 or even 72 hour window.

I can understand your frustration. There are many factors that determine when a transaction is funded. The first being how a card is taken. There is a higher risk in processing a card when the cardholder is not present. Therefore there is a little more time taken to ensure that the cardholder has not reported the card stolen or lost.

If you process cards that are NOT normally $10,000, it will take longer to clear. The major reason there is to make sure the merchant is not committing fraud. This is an automatic flag that goes off with a processor. They have millions of transactions a day, making iot impossible to monitor each one.

There are real solutions that can help you get paid in as little as 24hrs and get those large tickets through quicker. I will be more than glad to help you.

You may email me at admin@omnitranz.com

or visit our website

http://www.omnitranz.com

to get contact info.

When you email me mention this listing so I will remember your exact situation.

2007-07-24 06:21:12 by centripetalphorce

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i just got denied from 2 credit card companies and i want to establish credit but i keep getting denied. i applied walmart online and citi online. i want a credit card though. do someone know a credit card that will instantly accept me? will my credit score go down if i apply for another place and get denied again like day after day? please help
but the thing is i do have a bank account from citizens bank but its closed from over drafting i am slowly paying it off. but my savings is still active. i really want to get a credit card though because i want to establish credit. i dont even know if ill get approved from the secured credit from the bank. i dont even know if they have that. so please help!

Try with capital one. They have pretty good cards, you can either apply online on their website: www.capitalone.com or call 1800 955 7070 (Us cards)

2009-10-04 21:32:55 by YuNgSc0tTy108

I have a $2500 credit limit. I am a student and have a job. Last month I requested for a credit line increase of $500 for a BofA card. I got it instantly but I need to increase it another $500 just to pay this month's rent. I will be paying most of the card off in mid-September because that is when I will be getting my money. Will I be able to get the increase? Is it better to call the credit card people or request it online and see if I get it instantly? Should I tell them about this (rent payment and will be paying it off in mid-September so need it on a temporary basis)? I have paid $500 just 2 days ago, bought a ticket for $500 and then paid another $350 back today. Will that help at all? I have paid all bills on time (min. payment) and sporadically paid $250 or some higher than minimum amount. I have never been late on any payments whether it be the credit card or a water biIl. it best to call and request it? Rent is due by 3rd September. Any help will be greatly appreciated!!!
Had the card for about 9 months now. I do have another cc with a $2000 that is almost full too. I had to pay summer fees with that but am slowly paying it off.

You just got an increase. Does your financial situation improve such as your salary increase? You can try but I doubt that you will have another increase so soon.

2007-08-29 17:43:15 by Puro

is there any way I can transfer money from a credit card to my bank account?
I know netteller will but they only accept visa and I want a way that will let me transfer the money into my account instantly or within 24 hours?

it called a a cash advance. and with interest that pushes 20%, no grace period, and a fee, i would so not do it. but if you really want too, then call credit card company and arrange it

2006-12-11 02:26:17 by Glen

I need an answer to resolve a dispute (with a friend):

If I get a pre-approved credit card offer in the mail and choose to accept it, does my credit report still get dinged for a credit inqury, or does the fact that I'm pre-approved eliminate that?

I know I've seen "pre-qualified" offers, and I'd imagine those come with an inquiry, but I'm looking to expand my credit line without too many inquiries in a short time. I recently opened two store credit cards over the Christmas season which got instantly maxed out (buying an engagement ring and an HDTV). I'm looking to avoid appearing like a credit risk with a large number of inquiries over a short period of time, but increasing my available credit/debt ratio.

Any suggestions/answers?

If you ACCEPT, then in the vast majority of cases yes you will end up with what is called a hard inquiry.

Pre-approved offers are the result of a "soft" inquiry, the credit offerer looks at your credit report but not the complete file more like a summary report. Usually if you accept the pre-approved offer they will pull a complete credit report to 1) make sure thet actually want to issue a card and 2) to decide how much of a credit line to give you. Some will not pull a hard inquiry for acceptance of a pre-approved offer.

A "soft" inquiry does NOT show up on the credit report when lender pulls your report, only you (and the CRA) can see those. A "hard" inquiry shows to everyone who pulls your credit report and a large number of inquiries esp in a short time is a red flag and hurts your credit score.

BTW instantly maxing out new credit will really ding your credit score.

2008-01-14 11:18:58 by hirestevemartin