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Do you really need a merchant account?

If you are selling goods or services, software or other stuff you need to arrange online payment mechanism for your customers.

With the long-term trend of protecting employees' individual self esteem added to an overriding concern over expensive employee lawsuits, accountability is more a buzzword than a way of life at most companies.

If you want to sell online, you need to be able to accept credit card payments. The traditional way is to open a merchant account. However, opening a merchant account is expensive, especially for small businesses who are just starting.

Once you've completed your ebook and have taken the necessary steps to protect your work, your next step will be to set up an online payment system.

Looking for a way to accept credit card transactions online but can't meet your bank's requirements for a Merchant Account? One of the many ecommerce services that proliferate on the Net may be the answer to your problems. Resellers handle the transactions on your behalf, then issue you payment for sales according to a pre-arranged schedule. You do not need a secure line, since the actual transaction occurs on their site, not on yours. Reseller services are easier to arrange than is a merchant account through the bank, and although you will probably be asked to pay a lump sum at startup, it will be much less than a bank would require.