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Besides price, consider the additional features and services credit card merchant offers when choosing a credit card processing service provider. Since you will be contacting them frequently, especially in the beginning, customer service is crucial for a well-run operating business.
Re-iterating, make sure the vendor has superior customer service so when you run in to any problems, they can be resolved quickly and you do not lose a sale as a result of credit card processing issues.
The most important part in the credit card processing company hiring process is the reputation of the company and making sure it is a legitimate business. Be cautious because you would be surprised as to how many companies out there just looking for a business to swindle.
You can check a providers rating with the Better Business Bureau. Do not ever find your business stuck in a contract for credit card merchant account services with a merchant account provider that cannot guarantee a certain amount of financial protection or security. Keep in mind that you will want to keep a physical address, contact name, phone number, e-mail address and any other information you can find on your provider in a file. The more information you have, the better chance you have of recouping losses should the company be operating illegally.
Find out the average wait time to get a hold of a customer service representative and how often the company deals with chargebacks. It is important to know the merchant services hours and make sure they align with your business hours. Also find out how much they charge for each incident as well as the knowledge of their customer service representatives.
Get references from other companies that have used your same provider and acquire business referrals. When calling references, ask how the vendors customer care is and how the company deals with issues. Make note of any negative feedback.
If your business engages in a high number of card-absent transactions, find out if your provider offers the option to encrypt credit card information, commonly known as Secure Sockets Layer (SSL) protocol. This is an extremely useful service for an ecommerce merchant account .
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