Ecommerce Merchant Accounts: Accept Visa, MasterCard, Amex, Discover, Novus, and Diners Club with Free Merchant Account and Gateway Setup

Help your customers to accept Visa, Mastercard, American Express, Discover, Novus, Diners Club, and Virtual Checks from a Website, mobile device, storefront, call center - or virtually anywhere. YourNew.com,Inc. works with multiple merchant processors and payment gateways and we can have your customers accepting credit cards as soon as two days after we receive the application.

We have multiple options available for online ecommerce, including Authorize.Net® and Cardservice International payment gateways. We can help you to provide your customers with real time credit card transactions at a fraction of the cost of other services - while also building a residual income.

Some details for Authorize.Net and Cardservice International are listed below. Please take a moment to review these options and contact us for more information.

Authorize.Net

No Setup Fee!
2.25% Visa/MasterCard
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To compete in the Internet and mobile commerce world, businesses need to process transactions quickly and securely. Authorize.Net® offers global payment solutions ensures security, providing the following:

Unlimited transactions from nearly anywhere in the world.
Scalability: Authorize.Net® will grow with your business by supporting an unlimited number of transactions and any business model -- Internet, call center, wireless, and retail.
Unrestricted number of users with one account - ideal for large sales groups.
Experienced technical support.

Authorize.Net® helps more businesses to process transactions via the Internet than any other payment solutions provider in the world. There are many services available under one Authorize.Net® Payment Gateway account. Authorize.Net® allows you to authorize, process, and manage credit card transactions manually from any computer that has an Internet connection and a Web browser, or automate credit card transactions directly from your Website by integrating to the Authorize.Net® Payment Gateway.

Additional Authorize.Net® Services include the following:

eCheck.Net® - Add an electronic check payment option to your Web site or call center.
FraudScreen.Net® - FraudScreen.Net, powered by HNC's eFalcon service, is designed to help protect merchants from the risk of fraudulent transactions.

Cardservice International / LinkPoint Payment Gateway

LinkPoint API by Cardservice International is designed for software companies, Internet service providers (ISPs), commerce service providers (CSPs) and merchants with an advanced knowledge of the C programming language.

LinkPoint API adds Secure Sockets Layer (SSL) protocol and the ability to conduct electronic softgood download (ESD) of digital merchandise to software products or custom storefronts. LinkPoint API allows the more cyber-savvy merchant, ISP, CSP or software seller to conduct ecommerce in a secure environment.

The product provides ordering, payments, tax and shipping calculations, and the unique ability of the LinkPoint API-enabled Web site to offer digital merchandise which, when the payment transaction is complete, allows downloads to the ordering customer's PC.

About Online Merchant Accounts

All banks and merchant providers require "transaction fees" from you for accepting credit cards. Typically, these fees are broken down into 3 categories: a discount rate, a transaction fee, and monthly fees.

For the bank's purposes, a transaction is usually defined as any communication between you and the processing network. A "credit" transaction is treated the same as a regular transaction. Settling a batch is usually considered a transaction as well, as it involves communication with the processing network.

Discount Rates

This is the percentage of the total transaction amount that the bank will usually deduct prior to transferring your deposit into your bank account. Typical discount rates range from 2.5% to 5%, depending on your type of business and other factors. A higher rate may be charged on individual transactions if the transaction doesn't conform to certain qualifications, as described by your bank or merchant provider. For instance, accepting a "Visa Business Card" credit card may cost you 1% more than regular transactions. The reasons for these non-qualified transaction surcharges and complete details on all transaction qualifications should be discussed with your bank or merchant provider. Address Verification (AVS) may also fall into this category when not used properly.

Transaction Fees

This is a flat amount that you pay for each transaction. Typical transaction fees range from 25 cents to 50 cents per transaction.

Monthly Fees

These are fees charged for other account related services, such as customer service, your monthly statement, network access fees, and minimum monthly fees.

All the fees and charges are required to be disclosed to you prior to your commitment to the merchant agreement between you and your bank or merchant provider, and are usually enumerated carefully to you in the merchant agreement itself.