10 Tips To Prevent Credit Card Fraud

Imagine opening your credit card statement one morning and discovering to your horror that you suddenly owe thousands of dollars - on purchases that you never made. Impossible? Credit card fraud on the rise, so you need to treat your card and its information with extreme care.
Here are 10 tips to help insure you're not the victim of thieves and fraudsters:

1. Sign new and replacement cards immediately.

2. Destroy the old cards by cutting them into pieces and shred all old receipts and bills.

3. Don't fax your credit-card number, if possible. Remember, the faxed document could remain in sight at the other end for long periods of time.

4. Don't give your card number over the phone unless you have initiated the call.

5. Destroy any carbon paper if it's used as part of the credit card transaction. Somebody can grab it and forge your signature.

6. Don't respond to any "scam" e-mails requesting your credit card number.

7. Never send your credit card number in an e-mail to anyone!

8. A good option for discouraging theft is to choose a credit card that includes your photo and signature on the card.

9. If you have questions about mistakes or unauthorized items on your statement, you have the right to challenge them.

10.If your card is lost, stolen, or you suspect fraudulent use, call your company's 24-hour hotline immediately to prevent your card from being used as little as possible. The company will block its use, and you won't be responsible for any charges made by thieves.

You'll never deter fraudsters completely. But you can certainly make life as difficult as possible for them.

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Four Ways Not to Get Out of Credit Card Debt

If you are up to your chin in credit card debt, you know that it's an unpleasant feeling. Getting out of this situation and becoming debt free is definitely advised and is a prudent course of action. However, as with any type of remedy, there are good ways and bad ways to go about the process. And, the bad ways are often dressed up as a quick fix and often can cause more problems than they fix.

Below are four common, but rather ill-advised ways often pitched to consumers in order to eliminate credit card debt and become debt free:

1. Get a quick home equity loan and pay off everything! Ah, if it were only that simple. Yes, home equity loans can be relatively fast compared to a full-blown mortgage loan, but there is a price to pay. Especially, in terms of origination fees, points and other costs that usually aren't disclosed until you are well into the process. And, this isn't the real reason it's a bad idea to go this route to clear your credit card debt. The real reason is that it's a crazy idea to put your house on the line in order to deal with the symptoms of a problem when the real problem is one of lack of discipline. If you don't deal with the underlying problem of living within your means you will end up right back where you started, but this time you can add the second mortgage payment to the list of bills you have to pay.

2. Rob your 401(K) or other retirement savings. This should obviously stand out as a particularly bad idea, since anytime you touch tax-advantaged retirement savings you get dinged twice. First, you will experience the pain of paying a 10% penalty for early withdrawal and then you will get taxed at your normal income tax rate for the amount withdrawn. For most people this will mean you only get to keep 65% of the money you withdraw to pay off credit card debt – not so good.
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Get a Credit Card System

If your company is growing, your customers are asking about credit
payments, or you want to move forward with your business plan, give
some thought to opening a merchant account, setting up an attractive
Website, and adding the convenient, customer service option of credit
card processing services.

Many companies today are moving more toward e-commerce, which
means that if you want to avoid getting left behind, you should get ready to
join the throng of professionals who are marching into the electronic
age of doing business.

You will first have to open a merchant account before establishing
credit card processing services. Look for a longstanding bank with a
solid reputation, one who currently offers merchant accounts to
dependable business owners like you. Then be prepared to provide the
required documentation that shows a stable credit history and a
reasonable business plan that depends on credit card processing
services. Upon approval, which can come within a few days, you will be
able to purchase or rent credit card processing equipment and start
accepting credit payments from your customers.

Credit card processing services can be established at your company's
Website. It is the second important step. Hire a Web designer or sketch
a few ideas yourself. It need not be fancy or sophisticated, but rather
a basic outline of your company's services or products along with basic
operating information. Then you will need to register a domain name for
a small fee and then pay monthly "rental" fees to post your site in cyberspace.
When your site is up and running and your merchant account is approved,
you are ready to open the Website doors to current and new customers for
business.

They can browse at their convenience and pay by credit card without human
assistance at each juncture. You can make money and save money at the same time.

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Tips You Can Use Right Now!

1. The next time you order checks, have only your initials (instead of your first name) and last name put on them. If someone takes your checkbook, they won't know if you sign your checks with just your initials or your first name, but your bank will know how you sign your checks.

2. When you are writing checks to pay your credit card accounts, DO NOT put the complete account number on the "For" line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.

3. Put your work phone number on your checks instead of your home phone. If you have a PO Box, use that instead of your home address. If you don't have a PO Box, use your work address.

4. Never have your Social Security number or driver's license number printed on your checks. You can add it if it is necessary. But if you have it printed, anyone can get it.

5. Place the contents of your wallet on a photocopy machine. Do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. It's also a good idea to carry a photocopy of your passport when traveling abroad.

6. For couples or friends traveling together - each of you should carry a different, unique credit card.

7. File a police report immediately in the city where your credit cards, purse or wallet were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation.

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How to Get Approved for a Merchant Account?

From : entrepreneur.com.

To increase your merchant account eligibility, follow these tips:

Ensure a positive credit rating. Remove any past bankruptcies, late payments or liens from your credit report before you apply for a merchant account. To obtain your credit report, contact a credit reporting bureau such as TRW or a company that provides merged credit reports from major reporting agencies. Write to them, explain that these matters have been cleared up and ask that they're removed from your credit report. Whether you own a small or large business, having a good credit rating will make a lasting and favorable impression with a transaction processor.

Be honest about previous merchant accounts, bankruptcies, liens or judgments. By acknowledging past financial challenges, you improve your credibility and may encounter one less barrier to opening a new merchant account. You cannot hide information that's part of the public record.

Be willing to pay higher fees or accommodate special account requirements. If you need to abide by special restrictions or pay slightly higher fees in order to open a merchant account, by all means do it! It's worth it to provide your customers with as many noncash payment options as possible. It will help you generate revenues and stimulate impulse purchases.

Shop around for a credit card processor that best suits your needs. Talk to several different processors and don't be afraid to ask questions. Find out about:

1.The discount rate
2.Transaction fee
3.Equipment
4.Monthly minimum fees
5.Reserve fees
6.Chargeback fees
7.E-commerce

Operating a high-risk business does not exclude you from being able to process credit cards. When you shop around for the right transaction-processing organization, go into it knowing what to expect. Follow the strategies outlined above, and the experience of opening a merchant account will hopefully go smoothly. And in the end, getting approved will put you on your way toward generating more revenues for your business.

Benefits Of Online Credit Card Processors

From : hotlib.com.

Online shopping has dramatically increased in popularity and each day more consumers think about purchasing online. Online shopping is popular because it is generally easy and convenient. Online credit card processors help to make online shopping hassle free. Online credit card processors are used by large or small businesses. In additional to nationally known companies, online credit card processors make it easy for work-at-home individuals to successfully make a profit selling homemade or wholesale merchandise. For individuals interested in starting their own online business, finding the perfect online credit card processing company makes take sometime. Credit card number is valuable information and unfortunately many account numbers are stolen each day. In addition to protecting the assets of your business, obtaining a secure online credit card processor will also protect your customers. Consumers do not want to be shopping or handing out valuable personal information to an unsecured website or credit card processing company. The best way to determine the success of online credit card processors is by searching for customer feedback on the internet. Many times clients will post feedback when they have had a positive or negative experience with a company. In addition to personal and business security, fully researching the various different online credit card processors is a potential way to increase your profits. For allowing you to use their services, you are charged a fee. The fee and rates will depend on the online credit card processor in question. For this reason, it is important to shop around and find the best value for your money. Although cheaper rates are nice, it is not always better. Go with your gut instinct, if something seems too good to be true it may be. Research is an important tool in keeping your profits intact. It is not uncommon to come across online credit card processors that offer certain guidelines or restrictions on their services. For example, there may be a select few of online credit card processors that limit the amount of sales it processes. This limit may be monthly, weekly, or even daily. If your business becomes a success, this restriction could only hurt it and could cause you to lose potential profits. Another restriction may include the type of business that you are operating. Although each online credit card processor is different and they tend to operate under different standards, some online businesses may be a violation of their standards. A few examples of the businesses that online credit card processors may refuse to service are gambling sites, adult sties, or pharmacies. Before entering into a contract with an online credit card processing company, it is important to read through their contract rules and guidelines. Credit cards are used by consumers because they are a convenient and easy way to participate in online shopping. If you are operating an online business, whether it be large or small, consider accepting online credit cards. There a wide number of online credit card processors available to serve your needs and help your businesses grow

Benefits Of Online Credit Card Processors

From : hotlib.com.

Online shopping has dramatically increased in popularity and each day more consumers think about purchasing online. Online shopping is popular because it is generally easy and convenient. Online credit card processors help to make online shopping hassle free. Online credit card processors are used by large or small businesses. In additional to nationally known companies, online credit card processors make it easy for work-at-home individuals to successfully make a profit selling homemade or wholesale merchandise.

For individuals interested in starting their own online business, finding the perfect online credit card processing company makes take sometime. Credit card number is valuable information and unfortunately many account numbers are stolen each day. In addition to protecting the assets of your business, obtaining a secure online credit card processor will also protect your customers. Consumers do not want to be shopping or handing out valuable personal information to an unsecured website or credit card processing company. The best way to determine the success of online credit card processors is by searching for customer feedback on the internet. Many times clients will post feedback when they have had a positive or negative experience with a company.

In addition to personal and business security, fully researching the various different online credit card processors is a potential way to increase your profits. For allowing you to use their services, you are charged a fee. The fee and rates will depend on the online credit card processor in question. For this reason, it is important to shop around and find the best value for your money. Although cheaper rates are nice, it is not always better. Go with your gut instinct, if something seems too good to be true it may be. Research is an important tool in keeping your profits intact.

It is not uncommon to come across online credit card processors that offer certain guidelines or restrictions on their services. For example, there may be a select few of online credit card processors that limit the amount of sales it processes. This limit may be monthly, weekly, or even daily. If your business becomes a success, this restriction could only hurt it and could cause you to lose potential profits.

Another restriction may include the type of business that you are operating. Although each online credit card processor is different and they tend to operate under different standards, some online businesses may be a violation of their standards. A few examples of the businesses that online credit card processors may refuse to service are gambling sites, adult sties, or pharmacies. Before entering into a contract with an online credit card processing company, it is important to read through their contract rules and guidelines. Credit cards are used by consumers because they are a convenient and easy way to participate in online shopping. If you are operating an online business, whether it be large or small, consider accepting online credit cards. There a wide number of online credit card processors available to serve your needs and help your businesses grow

What are Merchant Services?

When you're starting your online business you will hear the term Merchant Services bandied around quite a lot. Merchant services are very necessary if you're going to have a successful business on the web, as they allow you to process card payments from your customers.

In the beginning a lot of small businesses, both online and off, will usually run off cash and checks. People are used to the instant nature of the Internet, and many people won't purchase your goods, even if they are a better deal if it requires something cumbersome like printing off and mailing an order form and a check for payment. As a merchant, you are not required to accept credit cards, but you're losing approximately 60% of your online sales by not accepting them.

Most people are accustomed to the "gotta get it now" aspect of online shopping and those impulse shoppers make up a lot of online business purchases. When you are ready to meet the needs of the instant shoppers, you will need to investigate merchant services. It can be daunting to find a credit card payment processor; there are a lot of forms, deposits and other items to go through.

Choosing a merchant service

From : allbusiness.com.

Obviously price is an important factor in choosing a provider - but it should not be the only factor. Customer support can be essential - problems in credit card processing can quickly impact your bottom line. The best way to learn about a provider's level of customer service is to obtain customer referrals from current clients.

Request referrals to merchants that are comparable to your company in size and industry. Then ask these important questions: do they have to wait several minutes before reaching a customer support rep? Are their needs serviced quickly? How does the provider deal with charge backs?

Also ask the provider about their level of support - do they have phones staffed 24 x 7? Do they charge per incident?

Your business will be selling over the Internet and you do not have a secure server that can encrypt credit card information, make sure your provider can offer secure ordering through SSL (secure sockets layer, a widely-used web standard for security). Setting up your own secure site is expensive and technically challenging.

Finally, if you are not using a bank or financial company you recognize, make sure you verify that the company you are investigating is legitimate - there are con artists and scammers who set up fake processing companies just to collect setup fees then vanish. Contact the Better Business Bureau to check the company's status if you are unsure, and if you find a provider on the Web, make sure you get a physical address and phone number.

Are merchant services worth it?

From : allbusiness.com.

If your company is successfully invoicing your customers, you may be put off by the costs of merchant services, which take a percentage of all your sales. However, avoiding potential loss from non-payment can quickly make up for the expense. Plus, you will no longer have to spend staff time issuing late invoice notices or wait 30, 60 or even 90 days for invoices to be paid.
Credit cards allow funds to be transferred to your bank account in less than a week. This can be a welcome relief for businesses that experience a tight cash flow.

If you are selling to consumers, merchant services will allow you to expand your customer base and provide a more convenient method of payment than cash or checks. And if you are interested in selling over the Internet, credit card processing is a must-have.

It is possible to accept credit cards over the Internet without establishing your own merchant account. Third party merchants can accept credit cards on your behalf, without requiring a credit check. However they typically batch your money into regularly scheduled payments, negating the advantage of quick turnaround. In addition, their rates tend to be higher - significantly higher, in some cases - and they can make your business seem like a small-time operation.

Not every company needs to accept credit cards, though. If your per order cost is typically in the thousands of dollars and your customer base is stable or subject to credit checks, you may find it cheaper to continue invoicing your customers.

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Credit Card Processing Software Features

From : managemore.com.

1.No expensive hardware (i.e. merchant terminals) required for processing payments, besides the computer and modem you already own
2.Only one merchant account is needed for both your retail/MOTO business and ecommerce business
3.Transparent to the employee processing the credit cards or electronic checks
4.Automatically records credit card approval codes for easy reconciliation and effortless voiding of transactions when customers return/refuse products or services
5.Optional magnetic card reader can be used to further automate payment processing with credit cards, debit cards, and check cards
6.Everyone connected to your computer network will be able to process credit cards at no additional costs
7.Only one phone line or data circuit is needed for processing credit cards to an entire organization. Monthly savings on excess phone lines are enormous
8.No software fees or annual support fees needed to implement.
9.No computer consultant fees required to setup , if you already have an internet connection ready and available
10.Competitive credit card discount rates through our Merchant Account Provider affiliates
11.No setup fees for processing electronic checks. This is the perfect complement to your credit card merchant account because it will allow you to get impulse sales by both credit card and check
12.Convenient online history database keeps detailed records of every transaction approved/declined
13.Supports EFT feature for electronic processing of customer bill payments via real-time batch credit card and electronic check posting

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Do You Qualify for a Merchant Account?

MAPs require vendors to meet certain requirements for opening an account, requirements that often are particularly strict for e-commerce businesses. In general, the riskier the provider deems your business, the more difficult it will be to open an account and set up your Web site for e-commerce. What basic requirements will you have to meet? What goes into determining whether your business is risky? Why do the requirements vary so widely?

The ISO Alternative

These MAP requirements have given rise to independent sales organizations (ISOs). These companies act as middlemen between the vendor and the acquiring bank by applying for the account on behalf of merchants.

Some ISOs absorb the risk for the bank by taking on responsibility for charge backs should a vendor go bankrupt. In addition, because ISOs are not banks, they are not subject to the same strict laws under which all MAPs operate. This means they can offer merchant accounts, essentially lines of credit, to businesses that would otherwise be turned down. In return, the ISO levies heavier fees on merchants, including per-transaction fees, discount rates, and service charges.

Exact fee schedules vary widely among ISOs. To confuse matters further, ISOs often refer to themselves as merchant account providers even though they do not provide the account. This is a matter of semantics which has not been clarified or enforced by any governing body.

MAP and ISO Requirements

Almost every MAP and ISO maintains the following basic requirements for opening a merchant account. If your business expects a relatively low monthly charge volume — less than $5,000 (U.S.) per month — and you are applying through an ISO, you might merely be required to:

1. Have a Web site.

2. Provide your business name or Doing Business as (DBA) name.

3. Clearly display your return policy.

4. Have a U.S. checking account.

5. Have a U.S. postal mailing address for the checking account.

6. Not be in active bankruptcy.

7. Not have been convicted of credit card fraud or a related felony.

8. Not appear on the Terminated Merchant File List or MATCH file.

The MATCH file is analogous to a credit-reporting agency. It is a file maintained by the credit card associations and contains information about businesses that have failed to handle their merchant processing responsibilities.

If your business is located outside the United States, you might find it difficult to locate a MAP or ISO that will consider your application. If you can find such a provider, it most probably will require that you:

1. Provide proof of U.S. incorporation (not required of U.S. businesses).

2. Present a personal guarantor with a U.S. Social Security number and good credit.

3. Warehouse and ship your product from within the United States.

4. Pay taxes in the jurisdiction where the bank or the ISO's license permits operation.

How does the chargeback process work?

When a customer complaint about a particular credit card transaction is registered, the issuing bank will usually send a Retrieval Request to your credit card processing company. Your credit card processor will then send it on to your merchant services account. There are some cases in which a chargeback is automatically sent before the retrieval request, but again, that is rare. The retrieval request gives the merchant the opportunity, without being charged, to prove that goods and services were delivered. The best way that a merchant can prove that the customer has made a mistake is by presenting a signed credit card sales draft. If the merchant can produce the authorized signature then the complaint is usually dropped.
If the merchant is not able to prove that the credit card transaction is legitimate, then a chargeback is issued. The card association/issuing bank takes the credit card transaction amount out of the merchant's bank and credits the customer's credit card account. All charge backs are put on record at the merchant's bank. They can severely damage a merchant services account if too many occur.
The only protection that the credit card processing company offers the merchant services account against charge backs is a notification of suspicious charges to a particular credit card. If the same amount has been charged to one credit card several times in a row, the credit card processor will not go ahead with the credit card authorization. The merchant services account will always be notified of such a situation. Because of the way in which the credit card processing system is set up, the merchant services account must be committed to doing all that is necessary to prevent questions of trust arising when a credit card transaction has taken place. In other words, it is the merchant's responsibility to protect themselves against charge backs and/or fraudulent credit card users.

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Do You Need Credit Card Processing Services?

Are your customers asking for credit card processing services? If so, you may want to consider adding this service to your company’s Website in order to provide convenient payment methods that will bring back repeat business. Many companies today are moving more toward e-commerce, which means that if you want to avoid getting left behind, you should get ready to join the throng of professionals who are marching into the electronic age of doing business.
Although you may have relied on cash transactions up to now, you might find that is becoming more cumbersome to make correct change, accept checks that could bounce, and track delinquent payments, all while keeping track of each and every transaction? Farming out some of these tasks to hired help can be costly, which is why you may be able to benefit from credit card processing services. If you conduct business onsite at a primary facility, you can plug in a credit card processor and start taking credit payments immediately, which are far less likely to bounce than personal checks.

But you will first have to open a merchant account before establishing credit card processing services. Look for a longstanding bank with a solid reputation, one who currently offers merchant accounts to dependable business owners like you. Then be prepared to provide the required documentation that shows a stable credit history and a reasonable business plan that depends on credit card processing services. Upon approval, which can come within a few days, you will be able to purchase or rent credit card processing equipment and start accepting credit payments from your customers.

Credit card processing services can be established at your company’s Website. You do have a Website, don’t you? If not, that is the second important step into the 21st century that your company needs to take. Hire a Web designer or sketch a few ideas yourself. It need not be fancy or sophisticated, but rather a basic outline of your company’s services or products along with basic operating information. Then you will need to register a domain name for a small fee and then pay monthly rental fees to post your site in cyberspace. Hiring a designer or someone to maintain and update your site will cost a little more, although often you can find a high school or college student who can do this type of work at nominal cost. When your site is up and running and your merchant account is approved, you are ready to open the Website doors to current and new customers for business. They can browse at their convenience and pay by credit card without human assistance at each juncture. You can make money and save money at the same time.

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Accepting Credit Card

Credit Cards Machines come in all shapes and styles. Credit card machines come in a variety of price ranges, offering enough choices that you can select exactly the model your business would thrive with. Credit card machines are a must for any business to succeed in today's market. Credit card machines tap into the most popular form of payment for products and services: credit cards. Since the evolution of the ATM card into a debit card, credit card machines have developed many talents. Credit card machines can run payments on a card as a check, as a debt transaction straight from a checking account, or as a credit card payment that a patron will pay at a later date as decided by the credit card company.

Credit card machines offer the security of positive payment. A credit card machine offers increased reliability, ensuring money is in an account before your clients leave with product. Money saved in bad check recovery more than makes up for the cost of credit card machines. There are many different kinds of credit card machines. Some credit card machines tap into the credit system without a printer. These terminals make sense for mail order or phone order businesses. When a merchant does not need to issue a receipt of sale at the time of the sale, the merchant can save money by not buying a terminal-printer combo. Credit card machines without a printer are the cheapest machines, costing between two hundred and five hundred dollars. Landscaping, locksmith, and plumbing businesses, businesses where travel and on-site payment is required without immediate access to a credit card terminal, all benefit from credit card machines lacking printers.

Credit card machines that include a printer are the most common form of credit card machine used in industry today. Printers on credit card machines can be integrated impact or thermal. A single unit dually functions to process the credit card transaction and then to print a receipt. These machines can be more expensive than those terminals without printers, but they are reasonable and effective in medium volume retail. These credit card machines range from under three hundred dollars to nine hundred dollars. Additional options can be ordered, such as a built in pin pad. These enable customers to enter their pin number for debit transactions without the merchant needing to purchase an additional machine. Some credit card machines with built in printers require ink cartridges, but some do not. While those that do not require ink cartridges may be slightly more expensive they may save time and add efficiency to sales. Wireless credit card machines provide the same functions of general credit card machines with a few overwhelming advantages.

Wireless credit card machines do not require separate wires to trip on. They do not require a separate phone line. Wireless credit card machines access credit systems faster, and provide faster turn around on sales. Wireless credit card machines are more expensive and require wireless service packages, but may be a must for high volume businesses. They are effective and reliable, consisting of the most up to date technology. Regardless of the type of credit card machine you choose to invest in, credit card machines can aide your business. Credit card machines are a must for the twenty-first century and have advanced to be more effective for you and for your customers.

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Getting Started with Credit Cards!!!!!

Getting set up to accept credit cards in your store is an easy four-step process that should only take a few days. You need to open a few accounts in the name of your business, and then configure your store.

Open a Local Checking Account - Open a business checking account at a local bank to receive the money for orders placed in your store. This account should be in the name of your business. You can use an existing business checking account if you already have one; you don't need to open another account.

Open a Merchant Account - You must open a merchant account to be able to accept credit cards. A merchant account is not just a bank account (even though a bank may issue it). Rather, it is an account that is designed to:-

1) process credit card payments
2) deposit the funds into your local checking account (minus transaction fees).

You can apply for a merchant account from one of preferred providers, and you will usually learn if you are approved within a couple of business days. You will have to provide information about your business, as well as the account number and bank routing number of your local checking account.

Open a Payment Gateway Account - Payment gateways are the connections between the Internet and the secure banking and credit card networks. Your store must have an account with a payment gateway so that transactions in your store can be processed. works with several different payment gateways. You can get a payment gateway account from one of 's preferred providers. Most of these providers let you apply for a merchant account and a payment gateway account with one simple application, and you'll usually learn if you're approved within a couple of business days.

Configure your Store - Once your merchant account and payment gateway account are approved, you must configure your store to work with them. In the Commerce Setup > Payment screen of , select the payment gateway that you are using, then click the Configure button and enter your gateway account information.

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High Risk Processing Solutions

From : worldwidebilling.com

International credit card processing is a relatively new market, which found its niche in the complex world of globalized e-commerce and constantly changing legislation. The achievement of constant growth of your financial capabilities in the world of global e-commerce is a direct result of the usage of our offshore merchant account services. Offshore credit card merchant services will let your business flourish in a friendly and hassle-free offshore environment.

-No Upfront deposits
- 98% approval for legal business
- International merchants are welcome
- High volume merchants are acceptable
- Poor credit history is not a reason to be refused
- Multicurrency credit card processing can be set up
- A sophisticated fraud-detection system with years of experience
- On-line recurring and subscription based charges available
- Be approved and set up within one day
- We specialize in merchants who have been told no
- Manage and get your real-time reports on-line at any time
- Real time processing gateway and virtual terminal provided !
- Fast weekly settlements
- Accept major credit cards
- Accept US ACH Checks (Service being tested)
- All business types accepted. 99.9% approval rate
- Complete fraud scrub and "Verified by Visa" - Optional
- Same day fast approval & Setup (In house risk team)

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Address Verification Service

From : instamerchant.com

Merchants, who accept credit cards when the credit cards are not present, such as MOTO and Internet retailers, do not have the ability to confirm the signature. To protect themselves, they use the Address Verification Service (AVS). This service remains useful, but is limited in the anonymous environment of the Internet. This is especially true when the product or service for sale is electronically downloaded, but the limitations also impact merchants selling physical goods and even auction sites.

AVS works by comparing the billing address (street address and ZIP Code) information supplied by the Internet shopper against information logged in the credit card issuing bank's database. The AVS code returned corresponds to different degrees of match when the address and ZIP Code information is compared against the database.

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Benefits of SkipJack Online Credit Card Processing

1. All merchants will have access to a virtual terminal, eliminating the need for expensive hardware

2. Exceptional 24/7 customer service

3. More cost effective and secure than any other Internet payment system available today.

4. Extremely user-friendly and does not require a customer to download any "special" software to make a purchase from your site.

5. Can be implemented securely, inexpensively and quickly through a web browser interface; in most cases a few lines of code are all you'll need.

6. Support for site implementation is included - just call our toll free number 24/7.

7. Your transactions are automatically processed and settled to your merchant account, then just log into your password-protected Merchant Register to view and manage your transactions.

8. Fully capable of being integrated with your current shopping cart.

9. Full range of free features including e-mail responses and receipts for both you and your customers.


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