Mail Order / Telephone Credit Card Processing
Mail Order / Telephone Credit Card Processing is often also referred to as MOTO credit card processing. It is basically when people are processing credit card payments and orders that come in through the phone, or through the post.
There is range of equipment available to help people who want to process cards in this way, for example credit card terminals, virtual terminals which run as software on a computer or lap top, through to apps that will run on a mobile phone, or cell phone, allowing people to process cards from pretty much anywhere.
The best way to get going?
The best way to process credit cards by mail order, or telephone is with a merchant account. However, it is important to find a provider who can offer the combination of low cost processing, and a high quality of service.
Unfortunately, these sorts of providers are not easy to find. It’s a very competitive industry, and whilst competition can often mean better deals for consumers, with merchant accounts, often companies will try to lure people in by advertising very low ‘rates’ and then hit them with other charges, or long contracts that are expensive to get out of.
Also, the quality of service can differ significantly from one company to another. Many people might not think that that matters much. However, processing credit cards is technology based and when the level of service or infrastructure is not good enough, problems can occur. When networks go down then cards can’t be processed and profits can be lost.
Reviews
To try to help people who are looking for cheap and high quality phone card processing we have reviewed the merchant account industry. To find companies to recommend we looked at 3 different areas.
1. Contracts and fees.
The first area is the cost of processing. The most important thing is to only deal with companies that are 100% upfront about all the fees they charge. Hidden fees, or extras can include things such as set up, or application fees, statement fees, monthly minimums and flat transaction fees, on top of the rates charged.
Even the ‘rate’ charged may change from what is advertised. The rate that a company, or person is actually charged will depend on what type of card is used, how it is used and the type of information collected. Often rates advertised are only available under certain circumstances, or for introductory time periods.
The Contract length is also very important, some companies try to get customers to sign long term contracts with expensive get out clauses, and people should be wary of these.
2.Customer Service and Technical Infrastructure
It doesn’t matter how cheap the phone credit card processing costs are if it doesn’t work. MOTO merchant accounts must have a high level of customer service. We look for companies with reps available 24/7 for technical and account problems, as well as providers who are always investing in and improving their technology, to ensure any problems are always kept to an absolute minimum.
3.Customer Service and Technical Infrastructure
We also look at the range of account services a merchant account provider offers. For example, cell phone processing, wireless processing, Internet processing and so on. Providers that can offer solutions for all possibilities are much more flexible and if a company, or individual needs more than one processing solution, they do not need to go to different companies, or get 2 different merchant accounts.
It’s also a big advantage if the needs of a business change, or expand.
You can see the recommended MOTO merchant account providers below:
Updated:05/08/2012 (2 recommended Merchant Account Providers)
Mobile Credit Card Processing Provider: #1 Choice
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Merchant Warehouse currently offers the best option for Mail Order credit card processing, or Telephone credit card processing.
- They can get people set up in just 24 hours and approve 99% of those that apply. There are no application, or set up fees.
- There are no long contracts to sign. Customers benefit from month to month rolling contracts. It means that there is no risk. People can cancel their account at any time, with no cancellation fees that are so common in the industry.
- As a company they pride themselves on the fact that they are completely upfront about all of the fees that they charge. They prefer to offer people consultations rather than a hard sell. They will explain how the industry works and how fees are applied to accounts. It puts people in the situation of understanding exactly what’s going on and how much each of their different options will cost them. It’s the only real way to be able to properly judge which option is going to be best for your needs.
- We have consistently found their overall processing costs to be the cheapest out there. They actually make a guarantee to people that if they can find another company who is cheaper, they’ll pay them $100.
- They make this offer good for equipment too and can provide the latest models of standard credit card terminals, as well as wireless ones, virtual terminals, cell phone processing software and Internet merchant accounts. Their options are excellent for MOTO credit card processing and they do not try to tie customers into expensive equipment leasing deals.
- They have first rate customer service and technical teams on call 24 hours a day for any issues.
- They have picked up a string of industry awards. Most recently being voted Merchant Account provider of the year by the ETA, who are an industry watchdog. They also have an A+ rating from the Better Business Bureau (The BBB), the highest level attainable.
The disadvantage of Merchant Warehouse is that currently they are only able to offer merchant accounts to people, or businesses that are based in the USA.
If you are based outside the US take a look at the next option.
Mobile Credit Card Processing Provider Recommended
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Charge.com approve 98% of the applications that they get and generally get accounts set up in under 48 hours.
There are no hidden fees, they are completely open about everything that they charge and the rates are some of the lowest in the industry. There are no set up fees and customers get real time account access.
An account with charge.com allows customers to process all the major credit cards, and they are perfect for a mail order, or telephone merchant account.
The drawback and the main reason we recommend Merchant Warehouse ahead of Charge.com is that they require longer contracts to be signed.
Their customer service is excellent and those based outside the US are welcome to apply for accounts.
Click This Link to get to the Charge.Com official site.
Head over to the Merchant Warehouse site, or call them on 1.866.372.1152, to get started with phone credit card processing, mail order credit card processing, or cell phone credit card processing.
>>Click Through Now For The Merchant Warehouse Official Site<<
If you have any thoughts, or feedback on either of the 2 companies above, or any other merchant account providers in the MOTO area, please do let us know.
