http://www.paymentsgateway.com/ - At Payments Gateway we understand how critical payments are to any organization, which drives us to develop and continually evolve one the most popular and innovative payment processing solutions on the market. Payments Gateway provides organizations of all types and sizes a flexible, reliable and cost effective tool for automating and managing their payment processing functions. The role of Payments Gateway continues to expand as we strive to provide customers with first-class performance and reliability, secure and compliant payments, adaptive technologies, a broad array of solutions including a complete range of payment types, and competitive transparent pricing with no surprises. From credit cards to electronic checks, point-of-sale to the Internet, or payments via phone or fax, Payments Gateway is the only payment processor your business will ever need. Organizations can work directly with Payments Gateway and join the thousands of satisfied customers throughout North America which depend on Payments Gateway to process millions of transactions each and every month."

1. The Important Factors to Consider When
Selecting a Merchant Service Provider
Owners of small business who are searching for a merchant account have
several factors and a wide selection of merchant services companies to take
into consideration. Before you start comparing or investigating any
merchant account service company, it is vital that you have a solid
understanding on the primary areas of interest to work out the best offer. If
you merely concentrate on the rates provided, you might be tricked into
signing an agreement with hidden contracts and fees. Even worse is settling
on with a credit card processor with lousy customer service, while you are
running into a problem and the fact that you think you have a small rate will
be of little significance. The four primary areas to go over during your
merchant service provider search are the customer service provided, the
processing rates given specific to the kinds of credit cards and kinds of
transaction your small business will venture, the fees and dues assessed
within the monthly statements, any Payment Card Industry (PCI) fees, start-
up costs and above all, the cancellation fees in the agreement.
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 Customer Service
While the fee is vital, the quality of service that you get for your fees can
play an important role in figuring out the actual lowest fee the credit card
processing solution for you and your business. The financial implications of
signing with a low fee merchant service provider will only make your credit
card processing system unsuccessful and miss a day, week, or month of
processing because of a problem with your merchant account, can
immediately affect your bottom line.
 Credit Card Processing Costs
Every time an owner of small business processes a debit or credit card, the
costs that they are billed on that particular card are based on a variety of
factors. Is the credit card present during the time of the transaction? Is it a
business or rewards card? What kinds of services or goods are being given?
All these elements are exclusively related to the cost a merchant will be
billed. The base charges are set by MasterCard or Visa. On the other hand,
credit card processing firms put in margins to those charges and locating the
right merchant service provider can be the distinction between having to
pay margins that are far more than of what you ought to be paying.

4.  Fees and Dues Assessed
In addition to margins, merchant account service providers have also
discovered that by assessing merchants along with other fees and dues and
assessing monthly minimums, they can increase their earnings even more. If a
merchant is not aware and inadvertently or knowingly sign a particular length
agreement with a merchant account service provider that he or she do not fully
trust, the merchant could discover that regardless of low fees, they are in fact
paying a lot more money than they should be.
 Payment Card Industry (PCI) Compliance, Application and
Cancellation Fees
There are many merchant service providers that still charge PCI application
fees. With this in mind, merchants need to avoid these merchant account
companies at any cost. In addition, owners of small business must review their
agreements along with their statement of fees and rates to spot credit card
processors that have excessive compliance fees and contract cancellation fees.
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