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Getting a Merchant Cash Advance

B.J. Kharrazi : July 30, 2013 12:51 AM : Blog

Business owners often face the need for fast financing in order to keep operations afloat. Los Angeles Credit Card Processing is often an ideal solution for the business owner who is need of a quick financing solution at a low rate. Merchant cash advances offer the opportunity to obtain a fast cash advance in exchange for a percentage of your debit and credit card sales. Business owners who have found it difficult to obtain the financing they need through traditional lending institutions due to poor credit or because they have not been in business very long, may find that working with merchant service company in Los Angeles is the ideal solution for their financing needs.

Fast Funding

One of the main benefits of this type of arrangement is that you can often receive the funding you need in just a matter of days. We a premier Merchant service company in Los Angeles, can provide funding in seven business days or less. With funds deposited directly into your account, you are able to enjoy the freedom and flexibility of handling your immediate financial needs with no hassles. In addition, you can also typically receive an approval decision within one business day or less, giving you complete peace of mind that your business funding needs are met.

High Approval Rate

Additionally, the approval rate for such advance is quite high. Even business owners who have a bad credit score can still receive approval for the financing they need. The reason for this is that merchant service companies do not take credit scores into consideration when approving advance requests. Due to the fact that lenders receive funding back through a percentage of credit card sales, there is absolutely no risk involved. This makes it possible for merchant services to meet your immediate cash needs without considering your past credit history. You also do not need to worry about submitting tax returns. This eliminates the need for time-consuming applications and allows you to receive the funding you need in a more timely manner.

No Upfront Fees or Fixed Payments

You also do not have to worry about paying any fees upfront when you apply for a merchant cash advance. There are absolutely no processing fees. Additionally, you never need to worry about making fixed payments. Repayments are based on a percentage of your daily sales totals, ensuring that your repayments are always affordable. If you happen to experience a slow day, your payments will remain low. When sales increase, your payments correspond, allowing you to pay off your advance even faster.

Operating a small business can be challenging enough on its own. The last thing you need to worry about is financial concerns. By taking advantage of Los Angeles credit card processing, you can obtain the financing you need without worrying about passing invasive credit checks, completing time-consuming applications, or meeting repayment plans that stretch your budget. In just a matter of a few minutes, you can quickly and easily apply for the funding you need.

 

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High Risk Merchant Accounts

B.J. Kharrazi : May 20, 2013 1:13 AM : Blog

Trying to obtain a high-risk merchant account can frequently prove to be a challenging task. In addition to the fact that very few credit card processors are willing to work with high-risk businesses, the entire process can often be quite frustrating and time-consuming. One of the primary reasons that the application and approval process can be so difficult and take so long is the amount of risk the processor must usually take into account. Understanding that level of risk can help you to improve your chances of being approved.

As you may or may not already be aware, there are certain industries that are typically considered riskier according to credit card processors. Such industries often include adult entertainment, affiliate marketing, pharmaceuticals, outbound telemarketing, and gaming. One of the reasons such businesses are considered risky is the regulatory environment that surrounds such industries. The potential for merchant fraud can also increase the risk level associated with these businesses. Although this is not the case with all businesses, there are many websites that simply serve as fronts for operations that are illegal or restricted. In addition, the risk of charge-backs is also considered problematic. Finally, credit card processors are often considered about issues related to declined transactions. In fact, the rate of declined transactions can reach about one-third in many businesses.

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How to Choose the Best Merchant Service Provider

B.J. Kharrazi : April 30, 2013 10:31 PM : Blog

When you are in need of a local Los Angeles merchant account, it is important to understand how to choose the most reliable service. Whether you are just opening your business or you are planning to expand in the near future, it is crucial to select a cost-effective, robust, and reliable option. There are many choices for credit card processing in Los Angeles, which can leave you feeling somewhat overwhelmed. By understanding how to choose the best service, you can quickly narrow the options.

It is not uncommon for many people to make their choice for a Los Angeles merchant account based on price. While it is important to shop around and find the most competitive rates, there are other factors that should be considered as well. For instance, among the most important variables to consider is the amount of experience the merchant service provider is able to offer. Experienced merchant account providers typically offer a higher level of security, risk and underwriting management in addition to technical capabilities and customer support. Many providers appeal to your desire to obtain the lowest price possible by offering rates that appear to be quite low. The problem with this is that many of these rates are not inclusive of all of the fees you can expect to pay. The merchant account industry can be quite competitive, but it is important to make certain that you do not choose a service that will lure you in with initially low rates that do not represent the true amount you can expect to pay.

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How To Prevent Your Merchant Account from Experiencing An Account Freeze!

B.J. Kharrazi : August 13, 2012 6:55 PM : Blog

frozen credit card processing accountA rare, vital subject not often spoken about concerning merchant account credit card freezes. It’s considered an unbearable set-back when it comes to your finances. It is also a hindrance to your business.

The second your merchant account experiences a hold, you cannot access any of your funds until they feel the issue is resolved. The problem with this is you will not be able to send or transfer funds or allow transactions involving a credit card. This could take days, weeks, months, or even years.

You may have heard of some off-the-wall merchant account stories leaving you with an endless means of questions in your mind. A portion of Internet users feel that the merchant accounts are responsible for the development of stories, others beg to differ.

There is a root to every cause attached with some form of an effect—either positive or negative. In such cases, the banks are the entities that place holds on the merchant accounts until issues are resolved.

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Credit Card Processing Is The Prefered Method of Payment for Internet Business Owners In the Digital Age

B.J. Kharrazi : August 13, 2012 6:44 PM : Blog

eCommerce Merchant ServicesProcessing credit cards on the Internet is a much required form of payment when buying products or services online. If you’re a business owner, it’s crucial you have a merchant account.

People feel secure with merchant accounts that allow credit card processing. Buyers and sellers have different advantages and disadvantages when using your credit card.

For instance; if you’re a buyer and not happy with your product and feel it doesn’t meet the description, you rightfully have the power of authority in most cases to request for a charge back. Hence, you do the right things and send the product back to the seller.

As a seller, the disadvantage is having to wait for the buyer to be satisfied and, or leaves you with positive feedback. Situations like this can take place on websites like eBay. The advantage the seller has is holding off on leaving feedback until the buyer has agreed the transaction went through smoothly.

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Business Owners May Get Credit Card Surcharge Rights

B.J. Kharrazi : July 20, 2012 1:54 AM : Blog

visa-mastercard credit card processing and merchant servicesAfter a 12 months of litigation, business owners may finally get the go-ahead to apply surcharges to customers paying with credit-card.

Whenever a customer pays with credit cards, the merchant pays for the privilege to swipe the card. But that soon could change.

According The Wall Street Journal, a number of merchant-filed lawsuits against the credit card companies Visa and MasterCard may result in a settlement that will allow merchants to impose a surcharge on customers paying with plastic.

Presently, both Visa and MasterCard have prohibited businesses from applying a customer surcharge. But this surcharge, the business owners argue, is important because it could cover the transaction fee they must pay to the credit card companies for every swipe.

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The Importance of a Good Credit Card Processing Account

B.J. Kharrazi : July 8, 2012 3:37 PM : Blog

Credit Card Processing & merchant accounts

When opening a business, it’s important to set it up for success. Using a good credit card processing company can make a huge difference. It’s not good enough to just accept cash or check anymore. So many consumers carry credit and debit cards, and many don’t carry much cash at all. Not accepting credit and debit cards could cut your profit in half or more.

Many businesses that lose the ability to accept credit and debit cards on a temporary basis, struggle to make the profit they are used to. However, if you choose a good company to help you process your credit card payments, you won’t need to worry about anything. They will give you the support you need even if there is a temporary issue.

With consumers switching to a cashless wallet, you need to prepare your business for success with the ability to accept credit cards. If you don’t, you could miss out on many benefits.

The Top Benefits of Accepting Credit Cards

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Merchant Processing Can Take Your Business to a New Level

B.J. Kharrazi : June 18, 2012 1:11 PM : Blog

Merchant ProcessingIt’s no secret that taking your business online can really help you increase your profits and exposure. However, you cannot accept cash for items or services online, so you need a merchant processing company to help you take credit and debit cards. With one of the many types of merchant accounts, you can accept the types of payments you need to take online.

When starting a new business or taking a current business online, you may have questions about how a merchant account works and what you need. This is normal and you should do your research before you choose the company for your credit card processing. Here are a few of the most common questions with the right answers.

A Few Questions and Answers about Merchant Accounts

1. How can I set up a merchant account?

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