Welcome to Business cards

The Small Business Accepting Credit Cards Page

Small Business Accepting Credit Cards Article

Tories vow to boost support for business

David Cameron yesterday vowed that a Conservative government would not adopt "laissez-faire" policies but would beef up business support services and attract inward investment.

He attacked the British approach to luring foreign investment and said the Tories would develop proposals to improve the body charged with the task, UK Trade and Investment.

. more

New Book Helps Home Based Business Entrepreneurs Find Out if They Have a Home Office From Hell… Then Shows Them What ...

Jeff Landers' new home based business book, "The Home Office From Hell Cure: Transform Your Underperforming, Time-Sucking Home Based Business into A Runaway Success" uses humor, entrepreneur stories and no-nonsense straight talk to help work from home entrepreneurs recognize and cure their Home Office From Hellä. . more

As tax forms multiply, business booms for accountants

For every Byzantine form the Internal Revenue Service adds each tax season, it seems business for Collinsville accountant James Funkhouser gets that much better."Our clients have changed so much in the past three, four years," said Funkhouser, who opened TTS Tax Services with his wife in 1980. "Our clients have more tax issues now."So confusing are the forms that small, independent tax preparers like TTS - once hard hit by big-name firms like behemoth H&R Block - have seen a steady increase in business, one so significant it's insulated them against a trove of new tax software, such as the juggernaut Turbo Tax."Some think it's just too complex," said Edwardsville accountant Ed Small, who also taught accounting at Southern Illinois University Edwardsville several years ago.He said ever-changing tax codes - an estimated 15,000 changes, for example, have been made to the 66,000-page federal tax code since the 1980s - have made do-it-yourself taxes just too difficult for some."If all you have is a W-2 and some interest, then you should be able to do your own taxes," he said. more

MINDING YOUR BUSINESS MOVERS BRIEFS

Excluding holidays, birthdays are the No. 1 everyday occasion when businesses send greeting cards to customers, according to a national consumer survey recently completed by Hallmark Business Expressions.

Combining a birthday greeting card with an offer is even more effective, with 75 percent of respondents agreeing that a card with a discount during their birthday month would make them more likely to do business with the company.

"Birthdays are a natural opportunity for businesses to reach out to their customers," said Marc Wagenheim, product marketing director for Hallmark Business Expressions. "Birthday greeting cards make a lasting impression and encourage repeat business."

Implementing a birthday greeting card program has had great results for the one retail store, Busy Bee in Springfield, Mo. more

Latest Small Business Accepting Credit Cards News

Benefits of a Small Business Merchant Account - PRLog (free press release)

PR Log (Press Release) – Mar 16, 2010 – Many small business owners must eventually determine ... By accepting credit cards, you assure customers that if the credit card associations can trust your business, so can they.

How to Accept Credit Cards on Your Website - Associated Content

A third party merchant can be a great option for less established business owners who want to test the waters. The approval process is usually quicker and easier, and you can begin accepting credit cards for your product within a few days.

Boost your business by using the Credit Card Services - PRLog (free press release)

... find that within a very short period of time you would be able to reap good benefits by setting up your credit card services. It does not matter if you run a small or large business ... So you can start accepting credit cards without having to ...

Cheque abolition 'may lead to security risk' - BBC Business

The committee was also told that there were worries about consumers and small businesses facing higher ... the major UK supermarket chains - have chosen to stop accepting cheques as shoppers turn to debit or credit cards, or stick with cash.

Understanding Interchange Fees - Associated Content

Understanding Merchant Services for Colorado Small Business Owners Online or with a physical location, all small businesses need to have a way to accept credit cards. In order to get the most out of accepting credit cards, though, you need to ...

Your Money Is Being Swiped - All Business

Harper is far from the only merchant hurt by the high cost of accepting credit card payments ... exposed than ever, say advocacy groups like the National Small Business Association. These groups are concerned that credit card companies, which are now ...

Archive for September, 2008 - Reality Check

... think-tank the Heritage Foundation provides proof that illegal aliens and immigrants with green cards ... CRA is to provide credit, including home ownership opportunities to under-served populations and commercial loans to small businesses.

Fed’s TALF Ends With $4.1 Billion of Loan Requests ... - BusinessWeek

Don’t Need Program “Credit cards and autos don’t need TALF anymore,” he said ... The Fed began TALF in March 2009 to revive the market for bonds tied to consumer and small-business loans. Sales of the debt plummeted 42 percent in 2008 ...

Your Corner's Wendy Billue - HamptonRoads.com

Besides being a family boat business specializing in multi-hull and Yamaha products, the shop offers a Captain’s Gourmet Galley ... Small plate servings of delicious foods will be prepared by the new chef at the Cedar Point Clubhouse and will be ...

Home Services Classifieds - Webster Kirkwood Times

Big jobs, small jobs. Licensed, insured. Call Pat, 314-565-8500. LUTZ REPAIR IT 4-U EXTERIORS. Family-owned business. 30 years experience ... Accepting all major credit cards. A RATING, BBB. Dan, 314-772-0190. MARK RABENAU & CO. Basement ...

Open Question: What is the cheapest way to accept credit cards for a small small business?

Resolved Question: Do business make more money accepting credit or debit?

I own a small pharmacy in the city. A customer came up to me to pay for his purchase. The total came up to $50.49. He asked if I accepted credit or debit. I replied yes. Then he gave me the card. I asked him if it was credit or debit and he replied it doesn't matter. I want to know which make me or money because I know there is a charge I have to pay for charging credit and debit. The card was mastercard. more

Resolved Question: Illegal to refuse a refund?

I have a small computer repair shop. I operate on tight tight finances and my policy has always been that any hardware sold has a 30 day replacement or repair warranty, and there is no warranty on software. I have had many happy customers buy computers from me and have computers repaired with me. I only accept cash, because there is no chargeback risk as with credit cards or checks. Recently I had a customer purchase a laptop from me, bring it back and say she is not happy with it. Claims it will not play video games her son wants to play on it. I told her it is not powerful enough. (Not enough ram or processor speed). There is nothing wrong with the computer. I can't afford to refund her but she claims its illegal to not refund money. I kicked her out but today I got a summons to appear in court for she is suing my business. I did nothing illegal here, how can she sue? more

Resolved Question: What would this form of government/lack thereof be?...?

I already know it is like communism but I think this particular idea of it might be called something else. 1.)everyone is equal regardless of race or age or religion the only determining factor in acquiring a job is ability if you are either Strong enough or smart enough or both you get the job on a first come first served basis and cash is eliminated as currency for Business stores/groceries etc are credit based and cards are also eliminated either fingerprint 7/or retinal scan no rfid chips because dumb asses think that's the mark of the beast but cash will still be used for interpersonal trade such as prostitution or in other situations where the thumbprint idea would not work such as collection plates or poker in a home you take the cash to the bank and it is credited if you want it to buy food at a restaurant you can creditt cash you have and much like direct deposit you work for money and it is credited to your account. 2.)If you are hurt or unable to work a strenuous job you get a living wage stipend this is taken from the surplus of the workers that don't spend all of there paycheck(in another way to say it giving to charity is not a choice it just happens.) 3)medicine and schooling is free within limits if you go to colledge and study a particular thing and later get a job in that field then the state pays for it if you study but don't get a job the state takes the cost out of 1/2 the pay from the job you do get and if you can't live on the other half they suppliment food rations (like food pantries today)with the current fda approved diet they give you stuff they have record you didn't buy with the 1/2 of your pay you do get. 4)age of concent is exactly that when the partners both say yes and no one is hurt. 5)any drug that you can't overdose on is free. 6) as said previously medicine is free but I also said to an extent if it is cureable they cure it if it's a fatal disease they let you live and help you out but if you want to/ask to die they provide euthenasia for you. 7)voting is obligatory there is no penalty for which way you vote but everyone is made to that way you can't bitch about it if your guy wins. 8)you must live with someone for a year beforehand if you want to marry them. 9)the government will assign you a job if you ask for one if you are big stong and dumb they give you demolition if you are big strong ans smart you are the supervisor smart and weak you get a computer or filing job small and stupid you get the jobs they give retards.(cause they get the stipend thing mentioned earlier unless they want to work then they get a job accourding to there ability. 10)clothing shall be free but if you are in need of free clothes you must accept a uniform like a jumpsuit. 11)If you/your family already owns a farm and you can sustain yourself your share is divided amount the rest you can get an odd job when you need.want something and get it on that or you can barter your produce or your farm can be and industrial operation and you can get your credits that way. O.K. now ask questions about certain situations and how my system would cover them I'll answer with additional details check back and edit your answer accourdingly thank you for your timeto answer the question 1 it would be lead by a brain trust of the greatest intellectual minds and artistic people so that way it would be balanced The fingerprint scanner needs to sence that the finger is alive and attached to a bodyIt would be kinda like england with a royal family that creates laws and a government that desiminates them down to the people.The ruling/governmental body would be elected rule for life then when they die there is a presidential race and the people vote and that person rules for life and when they die people vot new guy it is kinda like how the pope system is only it is all the people not just the important ones the braintrust and the government would be two seperate entities but they govt. would be influenced by the braintrust and then the people would vot on the ideas they supply the presidents main job would be as ambassador and tiebreaker when votes are too close to call he is the desider he also has the authority to make laws (the people vote on them)and when they agree the law is put into affect if the people dissagree it is placed in an idea file and saved for a later date.Basically (I am calling him president but actually a king kinda) The king Rules and makes laws the people vote and it is put into effect.Under him (but with more power in practice less in title)is a group of great minds and great hearts to create and collaborate on ideas to help people out new sciences of agriculture and metalergy and medicine etc. then under them the individual what america would call the guy that runs the state I beleave senator they would take the news down to there town the governers of the cities they would in turn give the info to the mayors of towns and they would each hold an assembly in there respective towns and tell the people the news if no new laws were made that week there would be town business such as marriag announcements or births or deaths whatever happens to be local news that week sowe don't have newspapers to save paper.unless there is a 3rd answer before i get back and the question goes to voting give it to brandon.if there are only the 2 give it him more don't vote any. more

Resolved Question: What is the best solution for a small business eCommerce store?

I know Paypal, but would also like to accept credit cards also. more

Resolved Question: stolen goods and who keeps the goods?

this is for my canadian law course. Brown, a university student, owned a small automobile which he desired to sell for $800. He placed an advertisement in the university newspaper offering the vehicle for sale, and included his telephone number for further information. A few days later, he received a telephone call from a man who identified himself as Mr. Green. Green asked Brown a number of questions concerning the car, and then expressed a desire to examine the vehicle. A meeting was arranged for later that evening, and Brown gave green the opportunity to test drive the automobile. Green agreed to purchase the vehicle for $800 and offered Brown a personal cheque bearing the name "R. Green" as payment. Brown was reluctant to accept the cheque without additional identification, and suggested the two men meet the next day at Brown's bank to conclude the transaction. Green explained that doing so would be impossible, as he was leaving town on business that night. Instead, he offered a driver's license and a number of credit cards bearing the name "R. Green" as evidence of his identity. He offered to leave his credit cards with Brown as security. With some hesitation and concern, Brown signed the blank motor vehicle registration and handed Green the papers necessary to transfer the ownership. In return he received the cheque and the credit cards which he agreed to hold until Green's return. The next day, Brown presented the cheque at Green's bank only to discover the cheque had been forged. A customer of the bank whose name was "R. Green" had apparently lost his wallet sometime earlier, and the wallet contained the cheque book as well as the credit cards and driver's license. In the meantime, the purchaser of the automobile, posing as Brown, sold the vehicle to Smith for $500, and then promptly disappeared. A few weeks later, Smith wrote a letter to Brown asking if he might have the owner's manual for the vehicle, and at that point, Brown demanded the return of his vehicle. Smith refused to return it. He maintained that it was now registered in his name as a result of the transaction which, from his point of view, was a legitimate purchase from the person who possessed registration documents for the car. Brown brought an action against Smith for the return of the vehicle. Discuss the points of law which are raised in this case, and indicate how you think a court might adjudicate on the matter. You may discuss the question with your peers. I know it's a bit lengthy, but it's a completely common situation (I just had a friend of mine have a similar thing happen to him in his store with some product he bought) so I thought it appropriate for a bonus question. Take your time, follow the flow of the assets and payments through carefully and work it out. Good luck! more

Resolved Question: Civil suit - no job, no attorney or money can't afford any of it?

I recently found out I am involved in a civil lawsuit for a domain I purchased. I put a website up about how I was treated like dirt, and pointed gave other business addresses around the area to go to. I am not profiting from it, I don't know any of the business owners, I was just unhappy with the owner who sent me out in tears over him not accepting a credit card wanting me to buy a limit of $10, when I asked why he ripped into me and belittled me. Long story short, I put the site up. I'm now being informed as a result I'm being taken to court over the misappropriation of their domain name, violation of the their protected tradename, the disparagement of their business, as well as a claim under the Anti-Cybersquatting Consumer Protection Act, 15 USCA 1125 (d). I have searched the database, I can find no trademark. It's a small business, one small building with about 3 or 4 employees which are spread through a 24 hour period. My question is this, what do I do? I have no money, no job and can't afford an attorney. If a judgment is issued, I have nothing. I own no home, the only thing I do have is a car, and old car. There is no income to garnish, though my wife works. Can they garnish her for it? What happens if I have nothing to garnish? I read they could seize my bank account, which would net them all of about 20 bucks most days. Is this something I should have an attorney, if so is there an organization that would help with representation? I'm in Michigan if the state matters. more

Resolved Question: I am trying to copy and paste a template I downloaded. I think its html but when I put it into a browser?

I am trying to copy and paste a template I downloaded. I think its html but when I put it into a browser? the page is coming out as if it were a website on a cell phone. The page is a little watered down and doesn't look like it should. Can somebody please help? this is the actual page I am trying to bring up in my browser http://www.fdis-ohio.com/ this is the actual code for this page<now if you copy and paste it it will not look like this in the browser please help. <!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-… <html xmlns="http://www.w3.org/1999/xhtml" xml:lang="en" lang="en"> <head> <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/> <title>Welcome to First Data Independent Sales</title> <link rel="shortcut icon" href="favicon.ico" /> <link rel="stylesheet" href="styles.css" type="text/css" media="screen" charset="utf-8" /> </head> <body class="home"> <div id="wrapper"> <div class="container"> <div id="header"> <div class="container"> <h1><a href="http://www.fdis-ohio.com">First Data™</a></h1> <h2>Independent Sales</h2> <ul class="topNav"> <li class="contactUs"><a href="contact-us.html">Contact Us</a></li> <li class="customerService"><a href="customer-service.html">Customer Service</a></li> </ul> <ul class="nav"> <li class="merchantSolutions"><a href="merchant-solutions.html">Merchant Solutions</a></li> <li class="marketsWeServe"><a href="markets-we-serve.html">Markets We Serve</a></li> <li class="aboutFDIS"><a href="company-profile.html">About FDIS</a></li> </ul> </div> </div> <div id="banner"> <h3>Welcome to First Data Independent Sales</h3> <p>As a leader in the credit card processing industry, First Data Independent Sales (FDIS) offers small and mid-size businesses merchant accounts that enable them to accept credit cards.</p> </div> <div id="content"> <div class="merchantMarkets"> <div class="container"> <div class="merchantSolutions"> <h4><a href="merchant-solutions.html">Merchant Solutions</a></h4> <ul> <li class="gettingStarted"><a href="getting-started.html">Getting Started</a></li> <li class="productsAndServices"><a href="merchant-services.html">Products & Services</a></li> <li class="merchantResources"><a href="merchant-resources.html">Merchant Resources</a></li> <li class="fraudProtection"><a href="fraud-protection-services.html">Fr… Protection</a></li> <li class="sendMeInfo"><a href="inquiry_merchant.html">Send Me Information</a></li> </ul> </div> <div class="marketsWeServe"> <div> <h4><a href="markets-we-serve.html">Markets We Serve</a></h4> <ul> <li><a href="gas-convenience.html">Gas Stations & Convenience Stores</a></li> <li><a href="restaurant.html">Quick Service Restaurant</a></li> <li><a href="wireless.html">Wireless</a></li> <li><a href="ecommerce-solutions.html">E-Commer… <li><a href="health.html">Health & Beauty</a></li> </ul> </div> </div> </div> </div> <div class="supportContact"> <div class="supportSites"> <div> <div> <h4>Support Sites</h4> <p>FDIS merchants have access to valuable tools and resources to conduct business online.</p> <ul> <li><a href="http://mymerchantoffice.com" target="_blank">Mymerchantoffice.com</a>… </ul> </div> </div> </div> <div class="contactFDIS"> <div> <div> <p><strong>Contact FDIS Today!</strong> (888) 967-7222</p> </div> </div> </div> </div> </div> <div id="footer"> <ul> <li class="home"><a href="http://www.fdis-ohio.com">Home</a>… <li><a href="merchant-solutions.html">Merchant Solutions</a></li> <li><a href="markets-we-serve.html">Markets We Serve</a></li> <li><a href="company-profile.html">About First Data Independent Sales</a></li> <li><a href="privacy-policy.html">Privacy Policy</a></li> </ul> <h4>Services by Cardservice International.</h4> <p>© 2009 First Data Corporation. All Rights Reserved.<br> All trademarks, service marks and trade names referenced in this material are the property of their respective owners. The First Data Independent Sales Agent Program is operated by Cardservice International, Inc. Cardservice International, doing business as First Data Independent Sales (FDIS), is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA.<br> American Express requires separate approval.<br> FDIS Agent #10391 is an independent agent for Cardservice International.</p> </div> </div> </div> </body> </html> more

Voting Question: Do you think the time has come for Americans to just accept the fact that??????????????

when it comes to our lavish lifestyles and our health care, we are simply going to have to accept less? In order to stabilize the economy, we need to spend...but not by using credit cards as that will only create an even bigger problem again later. We will have to learn to live within our means...but that will mean that probably a third of all companies will go under and those people will be out of work. So what's the answer? Either they need to cut our taxes...which they won't do as long as the government insists on spending so much...or we can't start spending what we earn. And even if taxes are cut, if we don't use credit cards, all those folks will be out of work. Basically, the only thing the government can really do if they choose is to lower our taxes and lower the taxes on small businesses so that we spend more in those small businesses to keep them going. But that means, the government will either have to tighten their belts or go further in debt. more

Resolved Question: Good or bad: Take $8,000 loan to pay off smaller credit card debts ($4,000) to only pay 1 bill/month?

Just calculated all my CC debt and I have a grand total of $2450 in debt. I also have to pay tuition next semester which will be another $2,000. So $4450 total. This CC debt is hanging over my head and annoying. I just want to get rid of it once and for all! I have been offered a loan of $8,000. My minimum balance per month would be $280. I would take the $8,000 to pay off the $4450 debt which leaves me with $3,550 in my bank account. With that $3,550 + my current bank account balance + work I will pay the $280 per month. ...Then I will not rip up my CC cards (3 total) but I will just straight up not use them. Actually my highest balance is on my Best Buy store card (bought a laptop, a desktop, and an HD Canon over the last 6 months)..... So do you think it is a good idea to do this? I do because I will pay off and "consolidate" all my debt into one payment a month. Instead of worrying about 4 due dates I'll just worry about 1....Not to mention this loan will boost my credit score and report (which is good so far, not one missed payment or late payment, staying below 35-40% of my max credit limit at all times).... Here is the good part. I recently was approved to buy a foreclosed home. I believe I can get (renting it out) $800 a month. The problem is I am waiting on the bank to get the paperwork together so I can use my money from my checking account (yes I have enough to pay off all my debt listed above + way more) BUT I want to use this money to pay for the house THEN LATER when the house is paid for + repairs worry about the $2,000 in debt. It has been a few weeks since the bank accepted my offer and I am hoping any day now they will have the paperwork ready so I can get a tenant in there. So the good news is (hopefully just before Xmas) I will have an extra income of $800 a month which will by itself pay for more than the min. balance of the loan each month. Since I said I would have roughly $3550 of the loan money left after I pay my debt I will use this + the first months rent + the deposit from my tenant to pay a large chunk of that $8,000 debt off (probably $6,000). Then from that point I will go on with my life and business and only owe $2,000 on the $8,000 loan which I will pay off quickly. Now I spoke with the lender and they said if I paid the loan early I would barely pay any interest whereas if I pay over the life of the loan I will pay the full interest. ...Then several months down the road I will try to talk with my bank on getting a home equity loan (to use to buy a second foreclosed home)... What do you guys think? more

Resolved Question: What is a good way of Accepting Credit Cards for a small internet based business?

I have a small home business and want to start accepting credit cards. My customers pay mostly online, but I have a few who prefer to give me the information over the telephone. Presently, I use PayPal, but more and more of my customers do not want to use PayPal. My budget is small and I do not make a large profit on the items I sell. Any suggestions would be greatly appreciated. more

Resolved Question: do you trust your bank?

Jul 09, 2009 -- Bank fees on the rise again Fees are on the rise again as banks try to make up for revenue they've lost to bad debt write-offs. In fact, three-quarters of bank revenue on supposedly free checking accounts now comes from overdraft fees. That's why it's called "fee checking" in industry lingo! One of the most controversial practices among the giant banks concerns their overdraft systems. They won't allow you to opt out of the loop where they approve debit card transactions knowing you're overdrawn just to fee you. Bank of America has now increased the maximum amount of its overdraft charges per day to $350. Don't adjust your computer screen…that's $350, according to The Washington Post. If you're in danger of running in the red with your account, then you need to rethink everyday spending. Go old-school -- live a cash-only lifestyle and swear off the debit card. You might also want to fire your giant bank and take your business to a smaller community bank or a credit union. Unfortunately, Clark won't be able to answer any questions submitted via commenting. If you have a question, please try posting it to our message boards. Add your comment Avg. rating: N/A bank fees What has biten me is our checking account, 22 years old with same bank, same address, nothing has changed, and we had a problem, a payment done on line for $1100 appeared not to post, so I did it again, I called the bank and told them to not honor both if both were presented for payment as only one should have, (same amount, same debtor also for over 4 years), well both got drafted out, and we were continuing as usual with our debit card, making purchases, even purchases for $3.00 and less, and every single one we were charged a $35.00 overdraft fee, and were not even aware of this. Well not until nearly 9 days later when pulled up at ATM, went to make $100 withdrawal and the receipt showed a -$746. balance. I was like what? so I presented it again, thinking it was an error, same thing, and to really take an extra bite, each time I presented the card into the machine was a $35.00 fee, twice for the decline and the balance check. I went into our bank, and was told well we are just the small branch in this little town we cant make decisions to reverse any charges, I asked for the Corporate bank and was told that our branch manager would talk with them but she didn't think we would get any help because it was all computer generated. Well 3 days later and I went back in, and she told me, no the Corporate Bank said no help, all charges stand. Because we had the $1,000 protection they continued to pay, but charged us the draft each and every time., over $1300 in overdraft fees. By SCgirl @ 09/25/09 04:57:28 PMreport abuse * Overdraft Changes The first thing I would like to say is the majority of overdraft/insufficient fund fees come from the customer not keeping track of their own account. The customer should always know how much they have in their accounts. If you know you have $50 don't spend $75 and write a check for $100. That is common sense. The next thing is that a major bank I work for is making drastic changes to the overdraft process that will please many people. I'm unable to expand but I'm sure Clark will explain when he reads about the changes. By Personal Banker @ 09/23/09 09:13:25 AMreport abuse * BoA Transaction Ordering to Maximize Fees I've been bitten by this several times in the past few months. I normally keep pretty close track of what's spent and how much we have left, but sometimes mistakes happen. I understand that. I accept responsibility for that. What I do not understand is how they can justify re-ordering transactions to go from largest to smallest rather than chronological order. I've had reps tell me that it's "for my convenience," which is utter hogwash, in my opinion. Typically, I have one transaction that should've gone into the red. Not with Bank of America - they re-order it so that I wind up with multiple fees, instead of just one. I'm going to follow Clark's advice from the other night and go to my branch manager and ask him to stop this madness and refund the fees. Even if they do, I still plan on jumping to a credit union at my earliest opportunity. By Steve Scott @ 09/18/09 06:07:47 PMreport abuse * Bank of America fees I am outraged that Bank of America is riping me and others off. One of my account was overdrawn by $10. I was assessed the $35 OD fee on 8/5/09. So why did I get charged another $35 OD fee on 8/11/09? I called into the bank and was told that since it was not brought up to par within the 5 days, I was charge an additional fee. I have other accounts in other banks and I have NEVER encounter any such nonsense. Bank of America makes sure that the consumer pays for their short falls. By ktlight @ 08/12/09 11:36:53 AMreport abuse * more

Voting Question: Why was my credit card declined?

I used my credit card the other day because I didn't have a whole lot of cash. it was a small purchase, about 20 bucks, and I'm completely up to date on payments and have no other credit used this billing cycle. The business I used it at had no list of accepted credit cards, so I assumed they'd accept anything. When they ran it, it came back as declined. Is it possible that they just don't accept that card? more

Resolved Question: How can I get set up to accept credit cards ?

Is there a cheap and easy way to get set up to accept credit cards ? Either in person or on a web page or something ? Have a very small business and many people want to pay by credit or debit card. Does anyone know how I could set this up and how much it would cost me ? more

Resolved Question: How can I get a credit rating? I have none.?

As a child, I was taught that credit was a bad thing, and should never be used. When I married, we bought our house on Land contract rather than a mortgage, and paid it off. I do not drive, but my spouse financed the car through his credit union. When we divorced, as a single parent I could get no credit. Back then they wanted single women to have a co-signer to pay cash! *LOL* Now I am a senior citizen, and need to borrow money to do some major repairs on my home. I own it free and clear. However, I am told that having no credit score is worse than having a bad credit score, and I cannot even get a Home Equity Loan. I am told I should get a credit card and charge small amounts and pay them off monthly to get a credit score, but no one will give me a credit card. Some businesses in my area are no longer accepting checks. They want either cash or a credit card, as they've had too many losses on bad checks. Now my social security is direct deposited to my checking account, and as I don't drive and there is no public transportation here, it is very difficult for me to get to the bank to withdraw cash. I cannot afford the fees to withdraw from an ATM machine. Anyone have any ideas on how I can resolve this impasse?Dixie Darlin' I think you mised the point. I can not GET any kind of credit account t o pay off to give me a credit rating. My Social Security Income is less than $600.00 per month, so there is no question of my being able to save up $300.00 or $500.00 or $1,000.00 in a savings account to get a Secure card or account to use in building my credit. I thought I could maybe rent something at one of those Rent-A-Center places, expensive as they are, to build my credit, but the weekly payments on the things I need are more than I can afford. more

Resolved Question: How do you get a credit card or prepaid debit card for your small business?

How do you get a credit card or prepaid debit card for your small business.... I do not mean accept creditt cards, I mean like how do you get a visa or master card with your company name/logo on it for your customes to sepend with you, or perhaps wherever visa or master or discover card (whater he card it) is accepted? more

Resolved Question: Is it worth providing the option of accepting credit cards at my business?

I am opening a small business and am wondering what it costs to accept credit cards. How do I go about doing this? Is it worth it? Thoughts? more

Resolved Question: Where can I find free listings of people who are in need of Small/Medium Business Loans?

I'm working for K.V Management and we offer the best rates in the industry for Small/Medium Size businesses. I am looking for free listings of people who are in need of business loans. All you need is the following to qualify for a loan in our company. 1) Been in business over a year 2) Accepted Visa and MasterCard for at least 6 Months (If you don't do credit card processing we can help you get started as well) 3) Process a Minimum of $3,000 a Month in Visa and MasterCard 4) No Open Bankruptcies or Tax Liens 5) 1 Year Remaining on Your Lease. 6) Your Business should be in an actual location (No home or internet based businesses) If you can give me listings and every time a loan get approved I will give you a $200 VISA gift card as a Thank you!! more

Voting Question: looking to start my own webcam business from home.?

I would like to do a small paid membership webcam and video website from home. 1. Do I need to buy and expensive webcam or can I just buy a laptop with a built in webcam? 2. How do I get to put the webcam shows on my site and get paid for it? 3. How and what do I need to make videos of myself and put them online? 4. Are There any cheap web host and domain names that support adult content. I am also looking for a webhost where I can get a shopping cart and a way to accept credit cards. The bottom line is that I am looking to start a small scale webcam business with adult content about myself. I am looking just earn a few extra bucks on the side. I know it will take money to start up, but I am a single college student and dont have a whole lot of money. Any answers? more

Resolved Question: how would you know if this is a locked or unlocked phone?

Go backBack to My eBay Listed in category: Cell Phones & PDAs > Cell Phones & Smartphones Samsung SCH-R610 Cricket Camera Text MP3 CELL PHONE Item number: 320392120434 You are signed in You are watching this item in My eBay (6 items) This item has been added to My eBay for Guests. As a guest, you can: Track up to 10 items on this computer in My eBay Receive an email reminder for this item a few hours before it ends Samsung SCH-R610 Cricket Camera Text MP3 CELL PHONE Previous Picture Stop Play Next Picture 1 of 4 View larger picture Current bid:US $15.50 Your maximum bid: US $ Place Bid > (Enter US $16.00 or more) End time:Jul-07-09 19:48:47 PDT (2 days 1 hour) Shipping: US $4.95 US Postal Service Priority Mail Small Flat Rate Box Service to United States Ships to:United States Item location:Tucson, AZ, United States History:12 bids High bidder:b***a( 4 ) You are watching this item in My eBay (6 items) You can also: Bid with Bid Assistant Get SMS or IM alerts | Email to a friend Listing and payment details: HideShow Starting time:Jun-30-09 19:48:47 PDT Starting bid:US $0.99 Duration:7-day listing Payment methods: PayPal See details Meet the seller Seller:susan7702( 7 ) Feedback:100 % Positive Member:since Oct-31-04 in United States See detailed feedback Ask seller a question Add to Favorite Sellers View seller's other items Buy safely 1. Check the seller's reputation Score: 7 | 100% Positive See detailed feedback 2. Check how you're protected Pay with and your full purchase price is covered | See terms Returns:Seller accepts returns. 7 Days Money Back Description Item Specifics - Cell Phones & Smartphones Carrier: -- Technology: -- Contract: -- Camera: -- Brand: -- Features: -- Model: -- Condition: Used Type: -- Cricket Wireless, Looks and Works Great. Ultra Slim Slider- (according to box) 1.3 MP camera with flash and zoom Bluetooth wireless technology Mobile Web ready for high-speed downloads (EVDO) External microSD memory slot Speakerphone Samsung R610 phone, standard lithium ion battery, travel charger, quick start guide, user guide Select a picture Shipping and handling Ships to United States Country: Shipping and HandlingTo ServiceInsurance US $4.95 United States US Postal Service Priority Mail Small Flat Rate Box Estimated delivery 5 - 6 business days after seller receives cleared payment None Country: Shipping and HandlingToServiceInsurance US $4.95 United StatesUS Postal Service Priority Mail Small Flat Rate Box Estimated delivery 5 - 6 business days after seller receives cleared payment None *Sellers are not responsible for service transit time. This information is provided by the carrier and excludes weekends and holidays. Note that transit times may vary, particularly during peak periods. Domestic handling time Will usually ship within 3 business days of receiving cleared payment. Return policy Item must be returned within: 7 Days Refund will be given as: Money Back Return shipping will be paid by: Buyer Return policy details: The buyer has 7 days to return the item (the buyer pays shipping fees). The item will be refunded. Payment details Payment methodPreferred/AcceptedBuyer protection on eBay Credit or debit card through PayPal Accepted Pay with and your full purchase price is covered | See terms Learn about payment methods more

Voting Question: Should I accept credit cards?

I'm opening a small bookstore in my home town, population 13,000. I'm wondering if I should accept credit cards upon opening or wait to see how my business is doing. An owner of an antique store across the street from me told me he'd process my credit cards for me, if the customer is willing to walk across the street to do so. The cost of processing credit cards plus a 3 year contract has me thinking I should wait and see. What do you think? Would you be put off to walk across the street to have your credit card processed? more

Voting Question: how can i promote my fantastic service.?

I am now doing some small business with another two friend as a work studio in china. our main service is too help people buy cheaper items from taobao.com(which the biggest online auction site, a lot of good cloths ,bags, watches,etc). Cuz other countries' people can not use their credit card directly to buy from taobao.com, also cuz it's a chinese language site so maybe some diffculty exist to read it,so we offer this kind of a buy agent service. paypal accept and low commission.also a low shippment discount. but i have not found a good way to promote my service. can anyone give some good advice.where can i to plaster my ads will not to be treat as spams, or where can i get a target population's mail list. i will be appreciate. I belive my service make real value for people, but not a spam rip off.In this time, people need cheap retail stuffs to use and they will be sure to get them from me. my contact:raymondpy35@hotmail.com more

Resolved Question: How do I block all websites on my computer except for one?

I own a small business and my employees would rather surf the internet all day instead of work... I would also like to know if its possible to block all their user accounts to the internet and have mine have full access to everything. I would block it completely but i accept credit cards and I need an internet connection. If some one can help me that would be great!! more

Voting Question: What are the best options for accepting credit cards for my small business?

Resolved Question: How do you accept credit card online if you are using yahoo small business e-commerce?

I am trying to start an online business using yahoo small business's e -commerce. However i need to accept credit cards on my site. how do i do that? more

Resolved Question: $43,000 in Credit Debt and Growing...?

I have a credit card with around $43,000 worth of debt at an interest rate of 11%. I used this credit card to purchase 50% of a business as I wasn't eligible for a small business loan since I'm acquiring a successful business instead of starting one from the ground up and have zero equity so this was my only option. Now that I've committed myself to this debt, I'm not struggling to make payments but would prefer to lower my interest rate to save thousands upon thousands of dollars. My current lender has a program for a 2.99% APR on the lifetime of all balance transfers which I'm trying to take advantage of. The only way for me to take advantage of this program is for me to apply and be approved for a new credit card, transfer my debt to that card, and then transfer it back to my current lender. Sounds complicated; is complicated; and I get denied every time which can't be helping my credit score which was around 720 last I checked. I also have a line of credit through the same lender for 25,000 which is pretty much maxed out. My question is where can I find a credit card that would be willing to accept my large balance transfer and approve me for the card. If that's not possible, any other options? more

Resolved Question: My business is in San Francisco how do I sue a person that lives in the UK?

I had a client rent a motorcycle from us in San Francisco. The client came to our office and took the bike from our office. Before we let clients take our motorcycles we get a signed 2,500.00 “Authorization” on their credit card. The authorization is used in case the client damages the motorcycle and automatically drops off after the client returns the motorcycle undamaged. This client used his American Express Card to pay for the two separate charges. He signed one credit card slip for the rental and another credit card slip for the deposit. He then took the bike north along Highway 1. Two days later he dropped the motorcycle, while the engine was running, into a large puddle of water in excess of 12 inches deep. The water was sucked into the engine which seized the engine causing over $1,500.00 in damages. The good new for us is that the client called me and asked me to call the local BMW dealer to get advice. I called the BMW dealer and he suggested that the client does not try to start the motorcycle. He should have it towed to their shop. When I relayed this to the client the client then wanted to speak with the BMW dealership directly. I gave him the phone number and the client called the BMW dealer directly. He told the BMW dealer the same story he told me and I now we have an unbiased witness that he dropped the bike into a puddle of water while the engine was running. Thus, implicating himself as being responsible for the damages. The client took our full coverage insurance which has a $2,500 deductable in the event of a “Comprehensive” claim. The client was given a verbal example of a comprehensive claim. He was told that “an example of a comprehensive claim is if you drop the motorcycle accidentally as opposed to a collision”. Collision claims have a $0 (zero) deductable but a police report is required. The bottom line is the client is claiming that the bike engine seized by itself and had nothing to do with being dropped in water. He has refused to accept responsibility for his negligence and has disputed both the rental charges and the damage charges on his credit card bill. American Express has a policy that we just discovered. we can not use their card for damage deposits and they told us to take the client to small claims court. From now on we will not use American Express for damage deposits and will try to avoid using them for anything! I know how to sue him in San Francisco small claims court but how to I go about getting him served to appear in San Francisco? Also, if I win how do I collect? Any help is appreciated! more

Resolved Question: Starting a small-business delivery service. How should I accept credit cards?

Hello and thank you for reading my question. I am starting a small local business that will involve me picking up and delivering to-go food from restaurants to my clients. I would like to accept payment in cash, check or credit card. Cash and check would be easy, as I could just take it upon delivering the food. Credit cards however, are leaving me a little puzzled. I am a bit familiar with Paypal, but have only used it as a buyer on eBay. Should I have them give me their credit card number/exp date over the phone and then type it in to process on Paypal my own? Should I send them some kind of Paypal e-mail invoice? What would you suggest? I'm looking for a method that is safe and secure, but also efficient and easy for the client. Thanks. more

Resolved Question: help with case study?

S Ltd manufacturers and sells lifting equipment. B Ltd operates a heavy goods vehicle servicing and repair business. On 1 July 2008 B Ltd requested a copy of S Ltd’s brochure and this was sent by post and received by B Ltd on 3 July 2008. Tom was the managing director for B Ltd. He read the brochure and selected a “Hercules” hydraulic jack system for lifting heavy goods vehicles and was priced in the brochure at £28,000. He completed the order form contained in the brochure and entered the company’s credit card details. He then, signed, dated and sent the form to S Ltd together with a covering letter that stated “Please note that all orders are submitted subject to B Ltd’s terms and conditions, a copy of which is enclosed.” S Ltd sent a letter to B Ltd thanking them for their order and specifying that the ‘Hercules’ would be manufactured and delivered to B Ltd on 31 August 2008 at the listed price of £28,000. The ‘Hercules’ hydraulic jack was delivered to B Ltd on 30 August 2008, together with an invoice for £30,000 which was stated to be payable in full in 30 days. On receiving the invoice Tom telephoned and queried the price, stating that he had agreed a price of £28,000. He was told that S Ltd’s costs had increased and the company use a clause in the company’s terms stating that: “S Ltd reserves the right to increase the price of goods supplied by a maximum of 10%.” Max pointed out that the clause was included in the terms and conditions on the website. Tom hung up and checked S Ltd’s terms on its website and found that one clause did indeed contain the above wording. Tom was aware that B Ltd’s terms and conditions contained the following clause: “The contract price shall be that specified at the time of purchase. B Ltd will not accept any variation in the price after submission of an order.” After the machine was delivered to B Ltd it failed because a small pressure screw had not been correctly tightened during manufacture. B Ltd’s technician tightened the screw and the ‘Hercules’ is now in perfect working order. However B Ltd’s vehicle being worked on at the time sustained damage amounting to £3000. B Ltd’s terms and conditions state: “The seller is responsible for all damages that follow from defective products that they have supplied under contract to the buyer.” He then compared this with the S Ltd’s terms and conditions that state: “S Ltd hereby excludes liability for damage caused by defective machinery or products supplied by S Ltd.”i was just working thorught the question...i am having problem with summarising the facts of the case...can any of you guys help me with it please...if non of you guys mind...thank youtoo hard to choose the best answer...but ever thank you for your help...i will leave to you guys to choose the best answer...ill put it on vote...once again thanks alot more

Resolved Question: Fiance Problems, what can I do?

I am a 40yr old woman and My Fiance is 38.My Fiance and I got engaged after knowing each other for 5 years and dating for almost 2 years. I knew him and his family well and they knew my children well ( lived in the same neighborhood I have moved away since ). My fiance lives with his parents, doesn't have a car,has not worked a steady job in 10 years due to health issues. He started his small business with my help and has not been lucrative, it's just a name at this point. He refuses to get a steady job, he has a college degree. BUT i figured he will do what makes him happy so that's ok. I always pay for diners and movies and have bought him clothes and paid his credit card payments and gave him extra money when I could.( I am a single mom of 2, no child support) His mother has changed since we became engaged. She constantly talks about divorced people with kids (that's me) and how it's unfair to the children and how men without kids( that's him, never married at 38) should only marry women without kids. His father constantly jokes about getting a woman with "a lot of money" so that he doesn't have to "sweat it". His parents also brings up about his ex girlfriend and women he should have married and makes fun of me in front of my kids.They never did that all these years I have known them and suddenly they are mean. I also found out that he kept e-mails from women he met through personal ads and women he knew from years ago.He told me this and he said he had no intentions of getting rid of it because it is part of his life. I'm ok with that but he keeps a neat file at his desk of them all printed out, which makes me wonder why?He still kept his dating site accounts active and sees no reason to close them. He also only sees me once or twice a week because he says if he stays more than that he would have to move out and he's not "financially ready". I have also helped his parents out on occasion. Since I pay for everything anyway, I don't get it? He's a very kind man and good with the kids. I wanted to get married next year but he says he needs a house with an office before we can get married and my place is too small for him. He has brothers who are both married and lives away. He refuses to move out of state even if I have better job opportunities. When I had some personal problems he has been there for me. I want to be with him but his lack of motivation and his parents are making things difficult. They want grand kids and I can't give them that and that upsets them too.My friends are always telling me that I am in a bad relationship and that he is taking advantage of me. He says he doesn't care because he knows we love each other and that's what counts. I don't know what to do anymore. I tried to break things off and he won't accept it and when I told his parents they told me" oh no, he's getting married no matter what!" What am I to do? Are they insane?Am I? more

Resolved Question: Anyone know about creating a website with payment options?

I am building a website for a small business, most likely using InMotion as my host with a SSL Certification. Does anyone know what additional steps are necessary to set up credit card payments? Do web hosts offer services that services that monitor and control those transactions or is it up to me to input the code and find the service to accept the transactions. Thank you!Also, please let me know if it varies between provider. more

Resolved Question: How much does it cost for a small business credit card accepting machine?

I want to be able to accept credit cards at my customers home when I perform my hair service. About how much will that cost? Where do I get the machines? more

Resolved Question: Setting up a debit card machine terminal for a small business?

My parents have a very small local business. I'm looking for some information on how to setup a debit card only machine terminal for them to accept debit cards only, not credit cards. I'm wondering if there are any fees involved for using the machine? Any fees for transactions? Do they have to have some type of account? Where can I get a machine & how can I set it up? Thanks! more

Resolved Question: Best way to accept credit cards for small business owner?

I am starting a small business and I need to be able to accept credit cards. I have heard a lot of bad things about Pay-pal and I would like to avoid using Pay-pal. Besides, I will need to be able to just swipe a card and quickly move on to the next customer. Also, my personal credit rating is not good, and it seems like most of the options I have seen require a credit check. Does anyone have any suggestions/advice about accepting credit card payments for a small business owner without good credit? more

Resolved Question: Looking for a book in Jakarta, Indonesia?

I'm in Jakarta, Indonesia. It's really hard for me to find a particular book I want. I would go to Amazon.com but I have limitations. 1) I don't have a credit card. 2) I'm in Indonesia. I don't think Amazon accepts orders from Indonesia. I've been looking at book stores big and small but still haven't found it. The book I'm looking for: Title: The Business of Software Author: Eric Sink Please help me find a way to buy this book. Reference me to a book store where they might have that book. more

Resolved Question: Alternative to Paypal for online business?

If I have a small business and need an alternative to Paypal which isn't available in Mumbai, how do I go about it? Other escrow systems aren't as popular and accepting credit cards is not an option because it is a small purchase then that wouldn't be a solution. more

Voting Question: Starting a small business and do not want to accept credit cards.?

I have had the business for about 2 years and it is nothing serious, just a little extra money to help pay for college. Would it be reasonable to only accept money orders, checks (after they clear), and cash. I have been accepting credit cards via paypal but that is a pain when a customer wants to make a purchase over the phone. more

Resolved Question: How to accept Credit Cards at my small business?

I want to begin accepting Credit Cards or Paypal from clients at my business. Paypal would be easy to set up I'm sure, but I wonder if anyone has insight as to if it is possible for me to set it up so I get miles or awards from the credit card company when people pay me with credit cards, just as I would get when I use my personal credit card? Or is this non existant? more

Resolved Question: anyone have a yahoo small business web site that can assist...?

anyone have a yahoo small business web site that can assist with using a paypal system besides paypal. i use paypal to accept paypal payments and credit cards and i am fed up with them and would like to switch but can't figure out how to place the html code for my items to have a customer buy now and redirect them to another merchant system besides paypal. any help would be great, thanks :) more

Resolved Question: Web Development Question?

I am trying to start a small business website. It's gonna work on subscription based. I used to do some programming (a long long time ago...), but most likely I am going to hire somebody to do this. Just need someone fresh in the field to give me some general outlines: 1. What does it take to program a secure part of the site that requires credit card payment? Web hosts like Yahoo! can set up the site to accept PayPal payment. But that would be more applicable to selling product. I will be selling content (nope, it ain't porn, although the structure will be very similar). 2. Where could I find a good programmer to do something like this? 3. What is the going rate for web programmer these days and how does the contract usually work? more

Resolved Question: Which is the best service online to accept credit/debit card payments?

I have opened a shop online and i offer google checkout already but a few of my customers are having issues with it. Does anyone know any other good ones for small businesses, they need to have low fees as well. Anything other than google checkout and paypal, and they need to be for the UK. Thanks in advance! more

Resolved Question: How can I accept credit cards for my small business?

I own a small home theater business basically out of my house. I buy products from authorized wholesalers, and then sell them retail. I've mainly been running on a cash/check basis. I have a business checking account. But I now have a big customer who wants to pay with a credit card. Are there any good credit card services available that have low fees? more

Resolved Question: list of countries with credit card fraud?

Hi. I own a small business and ship to countries outside the U.S. Where can I find a list of international countries that have problems with credit card fraud. I want to make sure I don't accept payments from those countries. Thanks. more

Resolved Question: What materials would I need for a small business in order to accept a payment by phone?....?

I just need to know...If I was a home based business who took sales over the phone and delivered the materials myself, what type of credit card machine would I need to take a payment over the phone? would I JUST need a credit card machine...or is it more complicated then just needing that?? more

Voting Question: I accept credit card payments at my job how do I know if those transactions are considered interstate Commerce?

I am trying to determine if I am covered as an individual under FLSA and I have gone through the DOL's website and my last option of being covered is if the transactions that I accept are considered interstate commerce. I work for a small business that provides a service locally and our customers sometimes pay with a credit card. Any ideas? more

Voting Question: A website for credit card processing.?

I have a small business and I want to accept credit cards. I can't see paying a monthly fee, but I heard about sites where I can call or enter the info online and it will accept them for me for a small percentage. Anyone know of the lowest priced one out there? For paypal I think the client has to have a pay pal account. I just want to take my clients info and run their credit card.Paypal won't work because I want to be the one to run their credit cards. If I rely on my clients to do it may never get done.I'm sorry, but that website was how to take steps to avoid fraud. more

Resolved Question: accepting credit cards?

i have got a small business and need to start accepting credit cards whilst in clients homes, i dont want costly charges to the bank though or a long term committment to the bank as im just getting started. what are my options? and what are the pros and cons of each? more

Voting Question: how and who to see if i want a small type of auction site built?

how and who to see if i want an small type of auction site built nothing like ebay, lets say about 10 items per day and to accept credit cards and paypal, what type of computer people would i need to see. web designers or programmers etc also about servers etc, i know nothing about this but would like to set a small business up so any help would be great, thanks more

Resolved Question: I need some help in business..?

1. Company X agrees to restrict sales to the east side of the Mississippi River in return for which Company Y, a competitor, agrees to restrict sales to the west side of the Mississippi River. That arrangement is lawful if it enhances competition. A. True B. False 2. Antitrust law was developed to provide free, open markets for capitalism and this is called A. preservation of competition B. preservation of small business C. expression of political radicalism D. preservation of democracy 3. When a manufacturer and a retailer that sells that manufacturer's products get involved in price fixing, this is called A. horizontal restraint of trade B. price gouging C. vertical restraint of trade D. skim pricing 4. When Visa attempted to require retailers that used their credit cards to also accept Visa debit cards in order to do business with VIsa, this was an example of A. horizontal pricing fixing B. a tying arrangement C. exclusive dealing D. collusion 5. When one dry cleaning company in St. Louis purchases another dry cleaning company in St. Louis, this is an example of A. a vertical merger B. price fixing C. a horizontal merger D. vertical integration 6. When an electronics company such as Sony purchases a motion picture company, this is an example of A. a vertical merger B. a conglomerate merger C. a horizontal merger D. price gouging more

Resolved Question: What would you like to see in your local bookstore?

I co-own a used book store in a small town. It's the biggest bookstore in the entire valley we live in - the next big store is 45 mins away. Problem is, we are in the "out of the way" town. We've been open for a year and have built up a small customer base but we're no where near actually profiting from local sales yet. I know a business takes time. We do have a large inventory because we've "collected" books for years. Anyways, the point of the question is I am re-vamping the store. I recently rearranged the entire setup for an easier flow, allowing us to add shelves for more inventory. Am in the process of being able to accept debit/credit cards. My question to you is: What would you like to see in your local bookstore? Or what is your favorite thing about your local bookstore? We've been wanting to carry Anime for awhile because it seems to be a hot niche of books but we haven't yet. So if anyone has any input, i'd appreciate it. Thank you. more