Painless Processing

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The Benefits of Using ACH Processing Instead of Credit Card Processing

 What is ACH processing?

ACH is a massive network for financial transactions completed in the United States of America. They handle large volumes of credit and debit  payments, including vendor purchases and employee direct deposits.

ACH processing is distinct from traditional credit card processing in that it is a direct bank account transaction. Credit card processing, on the other hand, includes an intermediary (the financial services company whose logo is on the card).

 What are the benefits of ACH processing?

ACH payment processing has several benefits over traditional credit cards. A few of these benefits include:

 Zero delay for getting your money

One of the biggest benefits of ACT processing for a merchant like yourself is that you will not have to wait to get your own money. Credit card transactions, on the other hand, often take several business days to be processed; this can hold up your company's ability to invest its revenue back into the business.

  Credit card companies are notorious for issuing exorbitant fees not only to the card holder, but also to the merchant whom the card holder is paying. ACH processing solutions at a much reduced cost.

 A better way to make payments

ACH payment processing also allows your company to make payments in a more efficient manner. This includes the ability to make direct deposit payments, which can attract more employees.

 How can I find a good ACH processing company?

Finding ACH processing companies online

You can find many ACH processing companies online. The best way to do this is with a simple internet search.

 Finding ACH processing companies by word of mouth

In addition to searching for ACH processing companies online, you can ask banks and other companies steeped in the financial services industry to point you in the right direction.

 To learn more about ACH processing...

For more information or to get your ACH processing account opened today, contact Painless Processing. Their team has been providing ACH processing services for years. They can be reached via phone at 877-996-2795 or via their website at http://www.painlessprocessing.com/contact-us.php.

[jamesclarkee]

Grow Your Business Even as a High Risk Company

In the eyes of banks and other financial lenders, if your business is highrisk, you are going to find it rather difficult to secure loans and financial elements other businesses take for granted. It does not matter if you have a steady income or a long list of clients, if your business is considered high risk, you are likely going to find yourself bouncing around from financial service provider to financial service provider, always trying to locate a business that can help you out. That is exactly why you need to seek out the professional assistance of a high risk merchant processing company. With the help of the high risk merchant processing service you can receive the financial services for your business that you need. 

  Kinds of High Risk Merchant Companies

There are many different kinds of high risk Different companies are going to be listed as high risk for different reasons. This often depends on the in flow of cash into the company. Companies that do not receive the same influx of cash on a monthly basis are usually considered high risk. Businesses such as pharmacies, medicinal marijuana, adult businesses such as escort services and other similar business types all have a different amount of money that comes in a daily basis. Due to this, banks and other financial institutions are not sure how to peg your company's monthly income, which is why you generally go under as a high risk. However, even if you are given financial services from the bank, credit union or other location, you are likely going to see higher interest rates on your payments, potentially costing you thousands of extra dollars each and every year just to receive the exact same services as other business. With the high risk merchant account through, you can make sure you always have all the financial services your company requires. 

  Methods to Receive Payment

With the merchant account, you are given the ability to accept payments from your customers in several different ways. It all really depends on what sort of business you are and how you sell your products to customers. While a traditional business can sell products in person with a point of sales system featuring a cash register and store front, your business might not work this way. The merchant account gives you the capability of accepting payments over the Internet. This Internet based payment service ensures customers can always make payments when visiting your website, social media account and other online location featuring your business. These high risk merchant processing accounts ensure you can always send and receive payments as you need it. Other times, if you work more of a one on one method with your clients and customers, you need the ability to make sales and accept payments while on the go. Through mobile payment services, all of which are connected to your merchant account, this is possible. It also allows your company to grow faster than you could have before.

[jamesclarkee]

Learning About Pharmacy Merchant Account Services

A pharmacy is typically considered an at-risk company. You might find this rather odd, as there are so many different pharmacies out there and most of these pharmacies are successful. While this is true, being successful or not does not play much of a role in determining if a business is high-risk or not. Instead, it really just matters what sort of services you provide and the sorts of clients you deal with. In the pharmacy world, you are dealing with medications that are specifically manufactured and individuals must have a prescription in order to purchase, which automatically limits the number of clients you can take on. On top of this, your client base can vary as well. This can make knowing exactly how much your business is going to make in a given month or quarter difficult, as it often depends on how healthy or sick individuals are in the community, and if they can even afford the purchase of medications. As an at-risk business, you are going to find it is far more difficult to obtain bank loans, services from financial institutions and even open specific accounts that accept forms of payments for your company. That is exactly why you need to look for pharmacy merchant account services. These pharmacy merchant account services can help you open up the necessary merchant account and even accept different forms of payments, without having to pay the high interest rates and fees most banks would charge you as a high-risk business. When you look into the pharmacy merchant account services, these particular offerings are going to help you run your business, regardless of what other financial institutions see and classify you as. This way, you can significantly improve upon the number of customers you can help and how you accept your payments. With a merchant account, it directly connects with your point of sales (POS) system. An integrated POS and merchant account is essential for running a successful company. You don't want different transactions running into different accounts, as this makes staying on top of all of your payments almost impossible. Thankfully, with this merchant account, it is always possible to do so. With the merchant account, there are several different forms of payments you can accept, which makes it that much easier to run your business. A typical merchant account is able to accept payments inside of the pharmacy, which includes most standard payment methods, ranging from debit and credit to cash and even check. However, you might want to consider expanding your ability to accept payments. These different abilities can include payments made over the Internet and even in person. If you run a clinic with flu shots and other services, you want to accept payments where you provide the service, so offering in-person payment options is helpful, and you can also allow pre-paid medication forms over the Internet as well. All of these different forms of payment and access are available to you through the new merchant account.

[jamesclarkee]

Smarter Charge Card Options For Your Adult Business

The "Adult" industry has been classified high risk by the banks and credit processors that operate in the retail sphere.  As a result, many legitimate businesses that promote sell or are involved in areas regarded as adult, pornographic or xxx rated, find it practically impossible to process checks and credit cards in a reasonable fashion, with reasonable rates, as do merchants in industries regarded as normal.   Painless Solutions has the answer. We understand the nature of the adult business and have had years of experience with it. We have built a trusted network of adult merchant account companies associates of and financial sources w ho are willing and able to work with the risk and provide a processing network that delivers your cash on time. Your cash flow will not be interrupted, which allows you to maintain a steady stream of business. As lucrative as the Adult business can be, it can only maintain that profit if credit can be exchanged for cash quickly without exorbitant rates for processing.   Most banks try to avoid the adult industry completely. Those that do get involved, usually charge adult businesses exorbitant rates and subject them to annoying oversight and procedural problems. Not so with Painless Solutions, our approach is completely different. Our proven adult merchandise account companies provide a high level of service and treat adult businesses fairly. We understand the specific issues problems relating to recurring charges for subscriptions or memberships. We find high risk processors to run your charges seamlessly through PCI compliant banking solutions and customized gateways that automatically process all your adult business transactions.   There are a number reasons why most banks regard adult industry as risky. A major problem retailers and processors run into are chargebacks, which occur with great frequency in this category. Customers who buy adult products are responsible for an amount of chargebacks that are higher than the chargebacks in normal retail situations. An excessive number of them can be the cause for revoking the charge account therefore losing the capability to process Visa and Master Card charges.   That is a reason why it is important to use a high risk credit processor that understands the issues involved with the Adult market. And once again, that is exactly what Painless Solutions can do for you. We will find adult merchant account companies that understand your business.  If you currently operate   any of the businesses listed below, call Painless Solutions for additional information about adult merchant account companies.   Adult Video Websites, Toy stores, Websites, Webcams, Escort Services, Adult Toy Stores, Adult Toy Website, Adult Webcams, Escort Services, Strip Clubs, Phone Sex hotlines, Lingerie stores. Massage parlors, Sexual Enhancement products fall into the risky category. Painless Solutions can find a processor for your class of business. If you are not certain your business requires an adult merchant account, call for information and a quotation for your specific business category. Painless Solutions can be contacted for information about adult merchant account companies 24 hours, 7 days a week at 877-996-2795.

[jamesclarkee]

Accept and Provide Electronic Check Services for Your Business

When it comes to your business, it is very important for you to be able to accept as many forms of payment as possible. If you turn down a form of payment, the potential customer is likely to leave your company and look for another business capable of accepting your particular form of payment. Due to that, you need to accept any and every form of payment possible, including an electronic check. While most customers are not likely to buy individual items from your business with an electronic check, this is more of a service from larger service providers and contract clients who order bulk orders from your business. This way, it is easier to wire financial payments to your business at one time. This is exactly why you need to consider using a merchant payment account that can accept the electronic check service. An electronic check works in two different ways. For starters, larger orders are typically not going to be placed on credit. Businesses, when they can, do not want to place large orders onto credit, as this is just going to end up costing them in the long run. However, when the money is available, they are more than willing to pay through electronic checks. These digital checks work like wire transfers, so they can take the routing information from their bank and provide it to you, so the money can flow directly from their account to yours. This not only prevents them from having to pay a substantial amount in interest, but it also allows you to accept the payment rather quickly. All of this is extremely helpful in running both of your businesses. Of course, on the flip side, when you make large, bulk orders, for your own business, whether it is supplies or other material, you need to be able to make these purchases and you yourself do not want to end up paying interest on your purchases. All of this is extremely helpful and can be obtained through the help of the electronic checks. The electronic check element is built into your point of sales merchant account. Your merchant account is a very important function inside of your business. This can often make or break your business, as a merchant account needs to be able to accept these payments without costing a considerable amount in fees. The more fees you have to pay, the less in total profits you are going to receive. This, in turn, makes it difficult to grow and expand. Thankfully, there are different options available to you with your merchant account provider. You just need to make sure it is possible and capable of accepting electronic checks. There is no limit to the kind of items you can sell and manufacturer, but it is always important to accept electronic checks. This makes it easier for your business to grow and thrive and for other businesses to work with you as they make and receive digital and direct payments.

[jamesclarkee]

Accept an E-Check With Your Business

When it comes to your business, there are different kinds of payments you need to be able to accept. While credit cards and debit cards are the most used forms of payments now, there are other options available to you. These different options are going to help your business grow and ensures you do not have to turn anyone away due to payment issues. Of course, while most individuals are going to try and purchase goods from you through plastic, you do need the ability to accept an e-check. The e-check, or electronic check, works much in the same way as a traditional check, only the physical check is not going to be present. You are going to find this more in line with other businesses or retail suppliers purchasing goods from you (you might also want to use the e-check to pay off large supplies), but whatever the reason is behind the purchase, it is always a good idea to use a merchant account that allows you to make and receive an e-check payment. With an e-check, an individual or business is going to make an electronic payment to your checking account from their own checking account. This usually does not take place in person but through an Internet connection. Some individuals might choose to make an electronic payment directly over the Internet in order to reach your business. Typically, this sort of a purchase is not going to come from an individual though but instead a larger business or institution. Here, the individual is going make a payment for your service and than the money is transferred into your account when they complete the payment. While this might not be as straight forward as a credit card swipe, it does allow you to receive money instantly. Once the money is sent out through the check it does not have to wait around through processing or other services. Instead, it is instantly deposited into your account and you have the money right there, ready for your use. Of course, this works with your account as well, as you can send out the electronic checks for payments to suppliers and other companies that do not want a credit payment for such a large order. It makes sense to not want the processing costs associated with using a credit card. A credit card is going to charge you a percentage on everything you buy or sell. This slight percentage quickly adds up, and for larger orders, you do not want to pay an added percent on such a large order, or you don't want to lose such an amount for a sale you have made. Due to this, the electronic check is an excellent option made available to you to ensure that you do not have to overpay for the products and you do not lose money coming in to a large sale due to the credit card agreement. This is what makes the e-check such a desirable feature to have.

[jamesclarkee]

Why You Should Consider ACH Processing for Your Business

The costs for running a business continue to rise and if you are like most business owners, you might be looking for ways to keep your cash flow moving without making too much of a dent to your profits. With many high-risk businesses existing on the Internet versus the traditional brick and mortar shop, the lack of face-to-face transactions can limit the methods of payment that you can offer your customers. Even if you have a physical storefront, ACH processing is an option you should consider. Having the ability to process ACH payment can help increase your customer base and sales, speed up check processing times, and save time and money with its added convenience. Added Payment Options for Customers If you only accept credit cards, you may be missing an entire segment of potential buyers who choose not to use credit cards or due to financial difficulties, are unable to obtain a credit card. As long as the customer has a checking account, you can process an ACH payment from them. If you are in a business that offers monthly subscriptions to your customers, their payments can be processed as recurring through ACH processing. This can be convenient for both you and your customers who do not have to write a check every month for your services. Get Your Money Quicker The processing time for ACH payments is usually faster than waiting for funds from credit or debit card transactions to be released to your account. This is because with a high-risk business, there is a higher potential for billing disputes or fraud that may result in chargebacks and expense to your bank. With ACH processing, your funds are usually available within one to two days. Save Time and Money With an ACH payment account, you can avoid having to go to the bank to deposit checks from your customers. This reduces the possibility of checks being lost or stolen before being deposited. It also reduces the chance of your customer’ personal information being obtained from these checks for use in identify theft. Instead of having to write payroll checks, your employees can be paid via direct deposit, which eliminates the need for mailing checks to employees who work remotely. Processing ACH payments provides savings for both your business and your bank because the transaction costs are reduced. Painless Processing has the expertise to assist you with your business’s unique payment processing needs. We have experts ready to assist you with setting up an ACH processing account and or merchant account that can save you money on your banking fees and improve your payment turnaround.

[jamesclarkee]

Expand Your Business with an Adult Merchant Account

When running an adult based business, you need to charge clients and accept payments just like anyone else does who runs their own business. However, due to the line of work you are in, you might fall into what is categorized as "high risk." A high risk account doesn't mean that you are at risk of defaulting on payments or even go out of business. The high risk title goes to companies that deal with items that are on the fringe of legality. Medicinal marijuana companies and distributors often are considered part of this grouping, although traditional medication dispensers might also be classified as high risk. While your adult business is likely completely legal, many merchant account providers simply group your business into the high risk field because it is easier for them to do so, and it also allows them to charge a higher percentage on sales, which although unfair to you, is something they feel justified in doing. There is no reason as to why you should have to pay more money for accepting a payment from a customer, just like any other business might. Due to this, you need to look at the adult merchant account options made available to you. These adult merchant account offerings are going to give you the ability to accept any form of payment in almost any location, regardless of where the payment is taking place. With an adult merchant account, you can accept more payments with your company. The more payments you accept the better, because you do not want to turn down possible payments, as these customers are just going to take their business to another company or service provider. Due to this, it really is essential for you to accept the different forms of payment, no matter what it is. With an adult merchant account, you can increase sales by accepting not only cash, but debit and credit cards, plus electronic payments through e-checks and other digital based offerings. This way, you are always able to accept the money your customer is trying to give you. The last thing you should ever do is turn a client away due to their payment, so using the adult merchant account is going to greatly improve your ability to hold onto your client and maintain their loyalty. On top of accept different forms of payment, there are many different offerings out there for locations of payments. There are different methods of payment acceptance, and while a traditional business is going to accept payments in person through their brick and mortar location, your company might want to accept payments through an on-the-go offerings. Clients might decide they want additional services and features, which is difficult when the client and employees are away from the office. This is why mobile payment acceptance is such an exceptional option. With this form of payment acceptance, all you need is a mobile smart phone or tablet computer and you are able to accept forms of payment everywhere.

[jamesclarkee]

Accept Checking Payments with Check 21 Processing

Payment processing is one of the most important variables your business is able to handle. There are all sorts of different forms of payments available, and many of which individuals are going to try to utilize when buying your services. However, you need to be able to accept these different payments. When you turn an individual away because they are not willing to accept your payment, they are just going to go somewhere else instead for the products. There is no reason to leave customers stranded, so utilizing a service that can process all of the different possible payments is important, and Check 21 Processing is able to do this sort of service.

High Risk Services

There are all sorts of different companies that fall into the "high risk services" category. Some of these potential businesses include medical marijuana distributors, escort services, collection agencies and others. These particular kinds of companies do not always have the same ability to receive payment processing services. A traditional brick and mortar company is going to have access to all sorts of different processing methods. However, because these high risk services are seen as a potential for fraud and other situations, it is necessary to find a company that does offer the particular payment processing services. The company Painless Processing offers the Check 21 Processing, which is why it is such a desirable feature.

Different Forms of Payment

There are all sorts of different payments individuals are going to attempt to use, which is why you need to accept these different payments. With the Check 21 Processing service, it is possible to obtain payments via credit cards, debit cards, cash, checking accounts and other forms of payments. These different kinds of payments are all available and easy to accept, as long as you align yourself which such a payment opportunity. The Check 21 Processing is all able to help you out with this particular form of service.

Portable Payments

There are times where you are not going to accept payments in an actual facility. This is why you need to utilize the Check 21 Processing service. With a portable payment option, you are able to accept all of the different payments through a portable device, such as your smart phone or tablet. This way, you can continue to bring in payments, even if you are out with a customer or on the road. Your business should not have to slow down or stop, simply because you are out of the office. By being able to accept portable payments through your mobile device, you are not only going to make it easier for your customer to make payments, but you are also going to be able to increase your sales as you can tack on additional services while in the middle of a current service. This way, you can bring in further revenue, all without having to do added work.

When it comes to improving upon the sales of your business, Check 21 Processing works.

[jamesclarkee]

Accept Payments Even as a High Risk Merchant Account

In the business world, it doesn't matter what kind of services or products you offer to the public, chances are you have gone through some sort of a financial issue in your professional life. Most business managers and owners go through several different ventures before landing the right idea. It simply is how business often works and many people need to tinker with an idea before it is in the right market at the right time. However, this can lead to several financial problems, including bankruptcy and other blemishes on your credit score. While this is often common place in business, it doesn't help when you are looking at expanding a current business or offer new services through a new idea. While you might be able to secure finances for the business, with these kinds of blemishes on your credit score many financial facilities are going to see you as a potential high risk merchant account. If you have a high risk merchant account you are going to have to deal with several issues and obstacles that a traditional, non-risk account doesn't go through. However, this is rather common in business, and if you want to succeed, chances are this is something you'll just have to deal with. A high risk merchant account is something that comes about rather often, but there are many reasons as to why you might be labeled as a high risk merchant account. There is the obvious bankruptcy blemish on your credit record. A bankruptcy filing stays on your record for seven years, so if you have filed for this within the last seven years, any bank or financial institution is going to see this. However, simply having a poor credit score is also going to place you into the high risk merchant account category. If you just opened a new business and had to take out a considerable number of loans, you are going to have a large amount of debt on your head, which in turn is going to show that you owe far more than you are bringing in, and with the debt rather new, it is going to look like you have poor credit. However, when opening a new business you still need a merchant account in order to run and process credit cards. Without this ability you are going to find it extremely challenging to run and operating your store or company, so you just have to deal with the situation. As a high risk merchant account, you are probably going to pay higher interest every month, and if you miss a payment you might end up seeing your account cancelled or other penalties come about. Because you are considered high risk you need to tread lightly and always stay on top of all of your monthly fees. As long as you do, you should eventually see your credit rating for the business go up and your labeling as a high risk merchant go down, all which helps your business.

[jamesclarkee]

Establishing your Offshore Merchant Account

Doing business overseas is a great way to take a strong business and make it a thriving one. However, while American banks are quick to accept your money without questions, they might not provide financial services or give you the merchant account you need because you qualify as being "High Risk" due to the fact you aren't based in America. The banks often don't want to assume the liability should you not pay your bills or change location, so it is very rare to get a merchant account set up through a standard bank. However, many companies have emerged with the sole purpose or specializing in high risk markets. Many of these companies not only expect reasonable rates, but also provide a suite of tools to make your life as a small business owner easier. One of the most common solutions for an offshore merchant account is to use Instabill. While it is one of the more expensive options, it is a rock solid solution. They provide credit card, check, and debit processing as well as fraud protection, some assumption of liability, and free access to QuickBooks to manage expenses. Like everything mentioned here, it readily integrates into a PCI platform, making it most likely compatible with whatever shopping cart system you use now. This is excellent for an overseas business that is exclusively online to medium in size. This company has some stricter criteria to be approved. Another company that can help you open an offshore merchant account is the National Merchant Association which provides one of the fastest approvals of all the four sites we will mention. This is an excellent solution for a larger business with a lot of employees, outlets, or customers because they accept some of the widest forms of payment. The only major downside of this service is that their approval rate is even lower that Instabill. Things that can help you get approved is if you have a good business credit score, a good personal credit score, and no mention of your company by rip-off or scam reports. If you haven't been approved by the other two, then it is time to try the two backup options. ACS Merchants are a good place to start. They aren't a company that provides financial services to an offshore merchant account themselves, but they will help you with the underwriting process and try to match you with a company that will accept you. Lastly, Ballistic Merchant Services provides the most spartan of all the merchant suites, but with a 99.8 percent approval rate, they are highly unlikely to turn you away. Even if your credit or profit to loss margin isn't as strong as you would like, they will most likely accept you unless you have outstanding criminal or illegal affiliations with your company. They don't assume any liability for your company, but will provide you with all that you need to process checks, credit cards, debit cards, and many other point of sales needs.