Credit Card Debt

Accept Credit Card On Line


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Answers

How can you accept credit cards on line from other countries?

If I have an ecommerce website, and someone from Europe wants to use a credit card to pay for the product, will that be any different from accepting credit cards from people in the United States? I plan on using Visa, Mastercard, AE, and possibly Discover card as payment options. I am using authorize.net as my gateway. Thanks for the help!


It's no different from accepting US based credit cards. The most important thing to know is that foreign credit cards do not support AVS or CVV and this means you have no means to verify if the credit card is legitimate or or not. This increases your likelihood of fraud especially considering the international orders are high risk anyway.

Basically if you're going to accept international be careful as your risk goes up significantly. Also, be sure to notify your merchant account provider that you intend to accept international orders as they may not allow that. This will prevent them from freezing your account and holding your money.

Authorize.Net shouldn't matter but it turns out they do. They apparently have an issue with handling AVS from Canada and the UK. If you plan to accept orders from there you should make sure you don't have Authorize.Net set to decline orders that Fail AVS automatically.

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How can I accept debit or credit card payments on line or over the phone?

Is it possible to do without a merchant account?
Thanks Richard - how do I use paypal to accept a payment? Say someone rings up to pay me can I still use paypal? Sorry for being thick!!


why not use paypal?

Will my credit line increase request on my credit card be accepted?

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.

Can a business accept credit cards on line...........?

by using another businesses already established merchant services account thereby avoiding establishing their own merchant services account ?
without using paypal?


No. You cannot do this. It is called "factoring" (also known as money laundering) and is against the guidelines of all major credit card companies (Visa, MasterCard, Discover Card, American Express). The company that has the merchant account being used for the factoring will have their account closed, any funds they are owed held for at least 6 months, and will be banned from ever accepting credit cards through their own merchant account again by being added to the Match File (a blacklist for merchant accounts).

To summarize. the credit card issuers companies do not allow it under any circumstances.

Can a credit card company (legally) charge you a fee to accept their offer of a credit line increase?



Yes it is legal if it is stated in your contract.

If it is Orchard, "politely" tell them you don't want to pay a fee and then wait a month or two. Chances are good that you may see the increase show up without having to pay for it.

Many people find that is what happens when they refuse to pay the fee, though there are a small few that do it and don't get the increase.


Allowing Your Business to Accept Credit Cards « accept credit cards

Cards and other modes of payment. Being able to do so will be able to uplift the reputation and also the income of your company. One of the best things about being able to offer this service is that payments made will allow money transfer in minutes, unlike online money transferring services that usually take about a week to be processed.

When you allow consumers to purchase using

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