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For those of you looking for affordable credit card processing, call these guys:

http://www.commercepaymentsystems.com/index.html

Although I can't find it on their website, they have a program called "Dial Pay." You simply call in the transaction on your cell phone. The monthly cost is only $5.00. There is no application fee, monthly fee, or any other fee! The money will show up in your account in 3-4 days. Of course all credit card providers take a small percentage for themselves.

Since you have the credit card in hand at the time of the transaction, make sure you order an "imprint machine." They will send you the imprinter with an "imprint plate" that will have your business name and account number on it. I think it costs about $25. And you will need to order some imprint forms. I bought them online at http://www.pospaper.com/salesslipimprinters.html

Accepting credit cards is easy and affordable!

• Instant Approval
  99% acceptance rate
  Best rates in the industry
  No minimum monthly fees
• 24/7 Customer Service

Now you can get a simple, secure, low-cost way to process credit cards - whether you run a mail order/telephone order business or you simply need to use your computer and Internet connection as your credit-card terminal.
Even better, Commerce Payment Systems provides you with a free
virtual terminal. You get the best customer service available; pay the lowest discount rates on all your transactions; and you never have to worry about start-up costs, hidden fees, escalating rates, or
cancellation fees - because there aren't any!
[INDENT]What this means to you is that you will get started sooner,
save money, and have a state-of-the-art, secure payment processing solution as close as your computer. You don't need any special equipment.
And if you have special needs for payment processing, we
will put together the perfect and most reasonable custom
solution for your business.
[/INDENT]How can we afford to give you a better solution for a lower price?
It's simple. We've helped thousands of businesses since 1995. And unlike most of our competitors, we have a direct relationship with Visa and Mastercard. There's no "middleman." Our costs are lower, so we pass the savings on to you.
Warning: Many merchant account providers offer a very attractive "introductory rate," and then raise that rate after you're with them for 60 days. But that never happens to you at Commerce Payment Systems.
In fact, the only reason your rate could increase is if Visa and Mastercard raise their rates across the board, to everyone in business.
Another hidden cost you need to watch out for is the "Minimum Monthly Fee." Most merchant account providers will charge you a $25.00 monthly minimum, even if you don't process any business at all that month! We don't. (This alone can save you up to $300 a year!)
And remember, we don't charge an application fee. Your application will be reviewed within hours, and we approve 99% of those who apply. Plus, there's no locked-in contract like with other providers.
Finally, we are proud of our customer service team who will guide you through the "credit card maze" so you start out right away with exactly the credit-card acceptance solution that's right for your business!
In short, that is why we are confident we offer the best credit-card processing program available in the industry. Give us a call, and we'll have you up and running in a matter of days.
Just fill out our brief online application below, or call us toll-free 9-6 Monday-Friday (Eastern Time) at (866) 999-4622

Hi there Guys,You have to really check things out when looking into the credit cardsprocessing.???I got ripped off with the soverign Bank for years I recently joined a company called PAYMENTSTUFF.com via the small buisness association here in the Worcester area sign up for three years TO GET THIS DEAL YOU HAVE JOIN THIS ASSOCIATION OR OTHER ASSOCIATIONS-sign up price $85.00 per/yr---- FREE Hypercom T7P Terminal--- Compare your rates -MONTHLY MINIMUM $0.00--REPROGRAMMING FEE $0.00--APLICATION FEE $0.00--SET UP FEE $0.00--BATCH FEE $0.00--RETAIL-MOTO 2.08%--TRANSACTION FEE $0.24--SURCHARGE BUISNESS & PURCHASING CARDS $0.94%--DISCOUNT ACESSED MONTHLY SURCHARGE $0.02% --STATMENT FEE $4.95 --CHARGEBACK FEE $20.00 --VOICE AUTH FEE $0.95--How about this DEAL??????????????????-PS I have three accounts that pay me with a credit carde ie master card &visa

Here is another one.

http://www.propay.com

With Commerce Payment Systems there is NO application fee.

If you have no transactions, all you pay is the monthly "Statement Fee" of $5.00

If you have a transaction, you pay 2.75% (Visa and Mastercard) plus $.19 authorization fee plus $.35 capture fee.

For December I collected $290 in credit card charges (I only do WR part time) and I paid $15.40 to the credit card company.

I am not a salesman for Commerce Payment Systems. I am only sharing my experience here for those of you looking for an affordable way to accept credit cards.

Give me link to SEO software (promotion, advertisement, etc.). I'm need it to promote my new e-shop.
Thanks.

Hi all! I was just browsing the net and old posts regarding credit cards. I'm interested in using a over-the-phone service to accept credit cards. I've been on a dozen web sites already and would like to make a good choice based on some of your experiences with these companies. Can anyone provide reviews and suggestions. Thanks!!!

Greg,

I have just signed up and Iam trying a service called http://www.propay.com

You can process credit cards over the phone or through there website.

Many Hebalife, Marykay independent distributors use there service.

They charge an annual fee starting at $34.95 but no monthly fee.They also charge a per transaction fee.

Good Luck!