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The following article was published in our article directory on January 3, 2010.
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Bank Merchant Services Primer for Business Owners

Article Category: Business

Author Name: Jeff Skelton

About Merchant Services

All businesses require bank merchant services in some form that enable some form of payment processing. Merchant card processing services expand the payment options available to customers and allowing you to accept credit cards, debit cards, electronic checks, gift cards, and other payment options like online credit card transactions or even wireless credit card processing.

Merchant card processing more commonly referred to as a "Merchant Account" is a special account obtained from a merchant card service provider or that works with your customer's bank to help route payments into your bank account. Understanding how to select merchant services can impact your sales revenue and profit.

Merchant Account Benefits

In today's competitive marketplace, cash is carried less often, and checks have become more and more obsolete. Credit and debit cards have become by far, the most common forms of payment. It is really a necessity for any business to accept credit cards? It's not an absolute necessity however, 80% of all retail customers pay with their credit and debit cards, and they will go to one of your competitors if you don't accept credit cards. As a result most merchants around the world now rely on merchant card processing services and a merchant account to maintain their business' competitive edge.

By obtaining bank merchant services your own merchant account enables you to begin accepting credit cards, and all the benefits therein:

• Increased sales and improved customer satisfaction by offering a variety of payment options.
• Increased average sales because the customer doesn't need to have the cash on them.
• Value-added services—like gift card and prepaid card programs—can provide a new channel for generating profits and increasing your revenue.
• A faster check-out process with efficiency and convenience.
• A reduction of losses due to bad checks.
• Lower exposure due to having large sums of cash.
• The ability to accept payments from virtually anyone, anywhere.

By providing alternative payment options to cash and checks, bank merchant services and a merchant account can be extremely advantageous for any business.

• Restaurants – quick service (where the customer pays when ordering), casual dining, and fine dining
• Retail – convenience and grocery stores, boutiques, and all other retail merchants
• Internet/ecommerce – merchants who sell products or services online
• Mail/phone order – merchants who do business exclusively through mail order or phone order
• Professional – doctors, accountants, consultants, and other professionals
• Lodging - bed & breakfasts, inns, motels, and other lodging establishments
• Trade services – contractors, technicians, mechanics and other trade services specialists

Merchant Card Processing Services (Merchant Services)

Bank merchant services are provided by specialized companies called merchant service providers or independent sales organizations (ISO) that offer credit card merchant payment processing as well as a variety of banks and financial institutions. Depending upon your specific business needs small business owners can go to anyone offering merchant services in order to obtain merchant account processing services. In reality merchant service providers and independent sales organizations tend to be more flexible than banks.

In truth merchant accounts are not required in order to process credit card transactions. You could always use a third party merchant services provider, like PayPal or Alert Pay. The third party collects your customers' data and does all the work to process payments for your small business usually by using a form or page on their website. Third party processors charge higher rates and fees and you may only be able to get your funds two or three times a month. By obtaining your own bank merchant services with your own merchant account you can perform your own merchant card processing, and receive your money in less than two to three days from the time of the transaction.

Finding the right bank merchant services can be overwhelming and some merchants hesitate in obtaining bank merchant services and a merchant account due to cost factors. It's wise to review your options and make the decision based on what your customers would prefer and what your business can afford however in the end the loss of sales and profits may be far more expensive. By accepting credit card payments, your increased revenue will more than compensate for the cost of your merchant services from S&S Bankcard. So, to make your business more successful and more profitable by calling for a free quote for bank merchant services from S&S Bankcard Systems and take advantage of the benefits of a merchant card service account, and accept credit cards today!

Merchant Services from S&S Bankcard Systems, Inc. provides merchant card processing payment solutions commonly known as merchant accounts, to all types of businesses.

Keywords: Bank merchant services, merchant card processing, merchant card service, credit card merchant processing, about merchant services, merchant services from, S&S Bankcard Systems, Merchant Services, Merchant Account, Accept Credit Cards

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