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If you have an online business you may be very aware of the hassles that can be associated with payments; particularly if your company is new. [link widoczny dla zalogowanych] During the early days many people rely on services like PayPal or they accept cheques and postal orders for services and goods. It is easy setting up payments and developing a top quality website if you have a lot of money to start up your enterprise, however it's not too simple if you're functioning on a bit of a shoestring!

However, online SMEs [link widoczny dla zalogowanych] can have a quality, cost effective and efficient service if they select the best suited payment processor to make it happen for them. Several SMEs don't think about [link widoczny dla zalogowanych] this because they are worried that it will cost them the earth to get a payment gateway setup in order to accept credit card payments.

The best way forward will be to contact individual, independent payment processors to see what they can give you; it really doesn't matter how small your company is if you select the suitable company.

What else to consider when you contact an online payment processor:

> 24hr customer support from UK based call centres.
> Low, affordable merchant fees that genuinely reflect the risks associated with your online organization.
> Capped merchant fees for the period of your agreement.

Those [link widoczny dla zalogowanych] are just a couple of basic things you really should be getting through your independent payment processor.

Why [link widoczny dla zalogowanych] not continue to accept cheques?

Cheques will soon be eradicated. That is the basic truth of [link widoczny dla zalogowanych] the matter, and if you are going to carry on and accept cheques then you will without doubt already be aware that the cheque guarantee card is virtually out of circulation already; very few banks (if any) release new cheque guarantee cards nowadays. If you're going to accept cheques without a guarantee card then [link widoczny dla zalogowanych] you are likely to suffer a number of bouncing ones and this will come as a terrible inconvenience to you and [link widoczny dla zalogowanych] your company.

Telephone Payments

You could however sustain telephone payments via your website making use of a virtual card terminal if you [link widoczny dla zalogowanych] feel that is the direction you want to go. A virtual terminal requires you or a member of your staff to take debit and credit card numbers over the phone and enter them manually [link widoczny dla zalogowanych] with your payment [link widoczny dla zalogowanych] processor. However, this does carry a few risks and your merchant fees will [link widoczny dla zalogowanych] most probably reflect this.
The best thing to do would be to talk to your independent payment processor and use their expertise in order to discover which service would be more cost effective to you as an enterprise.

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