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Merchant Accounts Louisiana

Merchant accounts aren't the same as ordinary bank accounts, even though ordinary banks provide them. These accounts allow a business to accept credit cards as payment for goods and services.

Local Companies

My Pc Tech
337-497-0900
2404 Ryan Street
Lake Charles, LA

Merchant Warehouse
866-599-3217
Shreveport, LA

Merchant Warehouse
866-599-3217
New Orleans, LA

Merchant Warehouse
866-599-3217
Baton Rouge, LA

Merchant Warehouse
866-599-3217
Lafayette, LA

American Loan Llc
(337) 332-4821
123 Courthouse St
Breaux Bridge, LA

Easy Money Emg
(225) 928-9112
4401 Government St
Baton Rouge, LA

Whitney National Bank
(225) 343-5558
Baton Rouge, LA

Imperial Credit Inc
(225) 383-9033
4205 North Blvd
Baton Rouge, LA

American Acceptance Mortgage Inc
(504) 832-9710
3525 N Causeway Blvd
Metairie, LA

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Merchant Accounts vs. "Ordinary" Bank Accounts

A merchant account isn't the same as an ordinary bank account even though you can set one up through an ordinary bank. Credit merchant accounts allow a business to accept credit cards as payment for goods and services. In a way, merchant accounts act as a contract between the business owner and the bank. Rules defining how products will be bought, sold and paid for are set; any violation of these rules is considered fraud.

The Merchant Account Application Process

When your application for a credit card merchant account is being considered, two entities participate: An ISO (Independent Service Organization) and an underwriter. Usually the ISO also serves as the underwriter. The ISO evaluates the future success and risk of the merchant account applicant and approves or denies an account. If the merchant violates the terms of the merchant account agreement, the underwriter/ISO will shut down the credit card processing account.

Types Of Credit Card Merchant Accounts

There are two different kinds of merchant card accounts available: The "Over-the-counter" (OTC) and the "money-order/telephone-order" (MOTO). Over-the-counter merchant accounts are used primarily for retail merchants. These types of accounts typically have lower discount rates and transaction fees because the customers' credit cards are physically present at the point of transaction.

Money order, telephone order and online merchant accounts are used primarily for Internet-based businesses. The transaction requires two steps instead of one. Once all of the card information is entered, the data is verified and then the money is subtracted from the cardholder's limit and placed in a 30-day holding account without actually charging the card. After the product is shipped the credit card is charged for the purchase price.

Featured Local Company

My Pc Tech

Servicing Lake Charles, LA.; Sulphur; Westlake, LA.; areas of 50 miles radius; Orange, TX.; Beaumont, TX.;

337-497-0900
2404 Ryan Street
Lake Charles, LA
www.mypc-tech.com

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Read more about Merchant Accounts

- How Merchant Accounts Can Save Money Louisiana

We all know that accepting credit cards is the key to online sales. Unfortunately, most merchants are unaware that acquiring a merchant account can actually save them money. And in many cases, it is a large sum of money.

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- How Merchant Accounts Can Save Money Louisiana

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Advertising	Family	Home Services	Real Estate Resources
Business Services	Fashion	Industrial Goods & Services	Retail & Consumer Services
Career	Financial Services	Insurance	Software
Cars	Food & Beverage	Internet	Technology
Computer Hardware	Franchise	Legal	Telecommunications
Construction	Health	Miscellaneous	Trade Shows
Education	Holidays	Nightlife	Travel
Entertainment	Home Appliances	Online Database	Weddings
Environmental	Home Electronics	Pets	World History