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VIRTUAL MERCHANT ACCOUNTS

Accept credit cards on your business web site (without a Merchant Account) by using these third party card processors. Some will only process sales for tangible or intangible items. A search at Google.com under "third party credit card processors" will help you find more. Many of these sites accept only Visa or MasterCard. We are not recommending or endorsing any of these e-commerce products.

Review and select one these virtual merchant account providers if you are selling tangible items:
  • CC NOW: no startup costs and no monthly fees; all major cards (Visa, MasterCard, Amex, Discover); takes 9% of each sale; pay-out twice a month; 60 day hold on sales totaling more than $1,000 first three months; toll-free support; international; all major credit cards; tangibles only. Fees

  • KAGI: tangibles or software downloaded from the Internet; no monthly min, no set up; once a month payout. Fees

  • PayPal: Process Visa and MC credit cards; takes 2.2% or 2.9% + 30¢ of each sale; buyers must register. Business checking account is required. Fees  Before you sign up, visit http://www.paypalwarning.com and this site:  http://www.aboutpaypal.org/scheming_paypal.htm 

  • ProPay: processing credit cards; $35 set up fee plus takes 3.5% of total, plus $.35 per transaction; in person, by phone, WAP/PDA Fees

  • 2Checkout: $49 set up fee, accepts all credit cards, 5.5% of total plus 35c per transaction. No business checking account is required. Twice monthly payout.

  • PaySystems: $49 set up fee, accepts all credit cards, 5.5% of total plus 35c per transaction. Business checking account is required. Weekly payout.

Review and select one of these virtual merchant account providers if you are selling intangible items:
  • CCBill: Intangible items only; US merchants only; one time or recurring billing. No set up fees, no merchant account, 24/7 call center. MC, VISA, Discover, or JCB payout every 7 days. 

  • ClickBank - intangible goods; Visa, MC, Amex, and Discover. One time activation fee of $49.95 and $1.00 plus 7.5% fee on each sale. Fees

  • KAGI: tangibles or software downloaded from the Internet; no monthly minimum, no set up; once a month payout. Fees

We charge a small fee ($10) to set up a virtual account for you. Additional fees charged by the processor may also apply. Or, get an instant merchant account.

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