Work Hard...Play Hard!

Yeah Yeah...we provide you with merchant accounts. You already know that.  You know we can set you up to take credit cards in one day and our fees our posted on our site at www.paybyweb.com.  We have been doing this since 1992.  That is some feat in itself.

But life is not all about merchant accounts.  Your life is not all about your business.  The truth is:

When you pass away, and you are standing at the gates of wherever it is you may be heading, and the person who decides whether you get it or not asks you, "What is your greatest wish?"...the likelihood of you saying, "I wish I would have worked harder!" is practically NIL!

Working is important.  I get that.  It puts food on the table and buys my 6 kids the GI JOE WITH THE KUNG FU GRIP (figuratively).  It is a necessity for me, as it likely is for you.  However, it can't be all there is.  I am 51 (turning 52 in a few days).  I spent much of my 30's and 40's working like a dog.  I missed kids parties and events because I had to work...or chose to work.

Now, I choose to work...LESS!   I made the conscious choice to spend more time with my family.  Enjoying this short term thing called LIFE!  I can sit here all day and tell you why you should accept credit cards, but the truth is you already know it.  I would rather tell you this:  GO PLAY WITH YOUR KIDS FOR A FEW MINUTES.  Read a book!  Take a walk!  Cuddle with your husband/wife/lover and talk about whatever makes you happy.  Throw a ball!  Take a hike.  Listen to the birds.  Hit the beach or a bike ride.

What I am saying is...ENJOY YOUR LIFE.  It's all we have.  We can't take anything with us.  We don't truly OWN anything.  All we leave behind is a bunch of accumulated stuff, and our families.  So, spend a few extra minutes with them.  Love them and let them love you.

...and when you're done, let PayByWeb get you setup to accept credit cards.  Hey, I had to throw that in there.  : )

Getting a Merchant Account - Staying Relevant

Last month, we rolled out our totally revamped website at PayByWeb.  
For years, we received hundreds of compliments on how easy our site was to navigate.  We took your feedback seriously and worked to make getting a merchant account, easier and faster than anywhere else.  Sure, we have been in business since 1992 and on the Web since 1998, but it was time for a new design.   While we still are one of the only merchant account service providers that posts FEES right on our site, and has simple online application, making it much easier to apply, there was more for us to include.

Our new site includes a Wizard.  If you are unsure as to which merchant account is best for you, click on the Wizard, answer a few simple questions, and you will be taken right to the best page that offers you credit card acceptance.   We have also added more merchant account solutions.  Now our friends in Canada can get a merchant account in as little as one day.  We also have a solution for International Merchants, such as those located in India.  Our Reseller Program is second to none, and we have even added a new FREE QUOTE system, where you can enter your information and we will give you a personalized quote to accept credit cards for your business.

So, give our new website a try, and let us know what you think!

Don't Shoot The Messenger

We get lots of emails asking about High Risk accounts.  "Why is my product considered High Risk?"  "Why can't I get a merchant acct?"  "What is wrong with ME?"  The answer...JUST BECAUSE!

Companies like PayByWeb do not typically set the rules for underwriting a merchant account.  That Criteria is set with Visa/MC and otherwise via the merchant service providers.  What do they most of their decisions on?? RISK!  Merchant accounts are all about RISK.   Again, we get asked..."What's the big deal?"

Let me put it to you like this.   I am going to process $25k per day in credit card transactions.  YOU are the merchant service provider.  YOU are going to pay me within 3 days for my sales.  The cardholder may not see his statement for up to 30 days and then have up to 30 days to pay.  In that 60 day window I have processed $1,500.000, which you have paid into my bank.  Now...the calls are coming in from card holders. I DID NOT ORDER THAT!  I NEVER RECEIVED MY ORDER!   Dozens of chargeback requests coming in from cardholders wanting their money back.  You attempt to debit my checking account to get that money back...but I closed the acct, took the money and am living comfortably in Portugal!  YOU ARE RESPONSIBLE FOR RETURNING $1.5 MILLION TO CARDHOLDERS.   Get it now???

RISK!  That is the name of the game.  When applying for an Internet merchant account or other type, merchant acct providers use the data in your application, credit, previous processing history, and other tools to quickly assess whether or not to accept you as a merchant.  They spend millions of dollars to maintain Risk and Security departments, many of which have private or separate entrances/exits from their main employees.  Most of the employees in these departments use aliases to protect their true identities.  It is serious business!

So, what can you do?  Make your application as CLEAN as possible.  Complete EVERY answer and be as descriptive as possible.  When an app asks for a description of business, which do you think will be better reviewed:  "Selling online" or "We sell jewelry online priced from $25 - $250"?

Bottom Line:  The lower the risk...the better chance of approval!

If you would like to learn more about offering merchant accounts, and earning 60% of the paid out residual, CLICK HERE.

Don't just throw that pen away!

True Story:

Back around 2001, my wife and I went to Amsterdam.  Unfortunately, my wife remembers very little of this trip and that is another story.  On the KLM flight home, the flight attendants passed around a brochure of items that you could purchase on the plane, duty free.  I had some left over traveler's checks so I figured, why not.  I found a Mont Blanc pen on the sheet.  I had never had a fountain pen and thought it might be nice. It cost around $100. I still remember, it was called the Traveler, and it stored ink cartridges inside.

IT NEVER WORKED!Every couple of years, I would find the pen in the drawer, and see if I could get it to work.  NOPE.  Stupid Pen.  Never threw it away.  Five years ago, sent to Mont Blanc and they cleaned it and said it worked okay.  NOPE!  Sigh...forget this stupid pen.

While cleaning out my office last week, I came across the pen again.  It had sat in that drawer for at least two years, maybe three.  I brought it home.  Last night, I had to go to the Apple Store in a ritzy Tampa mall.  I remembered there is a Mont Blanc store so I brought the pen and figured maybe THIS time, someone could make it work.  Upon bringing the pen in, I was asked if I could leave it for a half hour so they could take a good look and check it out.  About an hour later we returned to the store.  The woman pulled out the pen and said she cleaned it.  You opened it up and cleaned the whole inside, I asked?  She looked puzzled.  Opened it up??  I said, it stores ink cartridges inside.  She said, "Oh...It's a Traveler!"  I shook my head in the affirmative.  I opened the pen for her and we tried different cartridges and no good.  She said I could send it in to repair.  Thinking at this point it was hardly worth it, I was contemplating dropping it in the trash...when a sudden urge came over me..."Do you still sell this pen", I asked?

The answer, YES!  I asked if they had one and they did.  "How much do they sell for", I asked?

Are you Ready??  I SAID...ARE YOU READY??

$770

Guess it's good not to just throw away those old pens! 

If you need to accept credit cards or want a better rate, visit www.PayByWeb.com.  Accepting all merchant types, offering free terminals, and same day approvals...PayByWeb is the clear choice for merchant accounts.

PayByWeb Has Been Providing Merchant Accounts for 20 Years.

2012 will mark PayByWeb's 20th year in business.  Before there was PayPal, there was PayByWeb.  Before many of the merchant account providers you see online, there was PayByWeb.  Since 1992, we have been providing companies with the ability to accept credit cards for their business with a merchant account.   Our Check By Phone has been wildly popular as well.  Over the years, our merchants have included Olan Mills, Glamour Shots, PBS, Jenny Craig, Allstate Motor Club, AAA Motor Club, Nightingale Conant, Montgomery Wards, and thousands of others.  Today, PayByWeb merchants process over 1 Billion dollars annually in credit card and check transactions.  We work with the world's leading processors such as: First Data, PowerPay, iPayment, MerchantFocus, and e-Online Data to bring you the best possible program to fit your specific needs.  Whether you want to accept credit cards for your mobile, retail store, website, or just need a virtual terminal, PayByWeb can have you setup for credit card processing in just one day. 

Look, there are tons of companies from which to choose.  We post dozens of testimonials on our site, not just 2 or 3.  Our testimonials don't use names like, "J. B" or "Joe. B".  We use merchant's REAL NAMES and even include company names because WE DON'T MAKE THEM UP!!  

Want to know what our competition charges for a merchant account?  Good luck!  Complete a form on their site and they'll get back with you.  Not with PayByWeb.  Our fees are posted for each account we provide.  You will KNOW what you are being charged before you apply.  We make searching easy because we don't waste your time.  Check out the different accounts we have to offer here. 

So...thank you to all of our merchants who have helped make PayByWeb the industry leader for the last 20 years.  We appreciate your trust!  We appreciate you!  If you have the need to accept checks or credit cards in the future, whether long term, or for a one-time event, we hope you will let us show you what sets PayByWeb apart from the rest.  Thanks for 20 great years!

Want to Accept Credit Cards for your fundraiser or short term event? Now you can!

There are very few fundraising programs that would not benefit by accepting credit cards.  The problem has always been that merchant account providers, those who setup fundraisers or those needing to accept credit cards for a short term project such as trade-shows, flea markets, garage sales, etc, require multi-year agreements, such as 2 or 3 yrs.  This requirement has left most fundraisers scrambling for other methods of collecting funds...until now!

PayByWeb now offers a short-term/one-time event merchant account program.  The service includes use of a wireless credit card terminal with printer and provides for acceptance of Visa/MasterCard, Discover, and even American Express.  Best part, there is NO long term contract.  You can use the terminal for a day, week, month, or as long as you like.  The fees are a bit more than merchant accounts with long term agreements, but just barely.  Funds are paid out to the merchant in 3 business days, directly to their checking account.  This service is perfect for any short-term event that requires credit card acceptance. 

Complete the easy online application found HERE, Pay a small rental fee and deposit (refundable once the terminal/printer are returned)

Merchant Account -
A merchant account is an account with a bank that is used to process credit card transactions.  It is a virtual account that is not accessible by a merchant.  Rather, the funds accumulated from credit card transactions are deposit directly to the merchant's bank account, typically within a few days.

Visit PayByWeb's FAQ for answers to many questions about accepting credit cards.

Selling For The Holidays? Start Accepting Credit Cards NOW!

If you are preparing to sell during the Holiday Season, the time to get setup to accept credit cards is NOW!  Seasoned marketing experts will tell you that you should have your preparations completed early to make sure that you are ready for the sales frenzy that occurs this month each year. 

PayByWeb has been providing merchant accounts, and check services to companies from Fortune 500 to start-ups, since 1992, far longer than most in the industry.  Our service is second to none, and we will make sure that you have every tool in your arsenal in order to make that sale.  WE PROVIDE FREE TERMINALS...YES, FREE!

How do we differ from other merchant account providers?  Simple!

1.  We post Fees/Rates
If you search merchant service providers, you find that virtually all of them require you to submit a form in order for them to contact you back with the fees you will be charged.  Why do you think they do that?  Perhaps they adjust the fees up/down based on your information, or what they believe they can get away with charging you?  Of course!  Why would anyone trust a company that does not post their fees?  For every type of merchant account PayByWeb offers, our fees are clearly posted.  You know what you will pay, without having to ask.  That's how we save you time and we understand your time is valuable. 

2.  We post DOZENS of REAL Testimonials
While many merchant account companies do not provide any testimonials on their website, or require you to request them in writing, PayByWeb provides them on our site, accessible by one click from any page.  We don't just enter names like R. S. or Tom.  Our testimonials incude the full name and business name.  More importantly, we don't have just 2 or 3.  We provide dozens of testimonials and include survey results so you can see how our merchants rate our service.

We can have you setup with a merchant account to accept Visa, Mastercard, Amex, and Discover in just 1 day.  So, visit us at www.paybyweb.com and watch your Holiday Sales increase with a merchant processing company that cares about you. 

BTW, accept our free gift regardless of where you setup your merchant processing.  Download  our free guide to understanding merchant accounts.