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If a business, irrespective of the nature be it online or a standard conventional brick and mortar business, does not accept credit card payments they are definitely losing out on a lot of business to the competition. It is imperative to accept payments through cards and through an online payment gateway if the business is based on internet transactions. Accepting payments through cards in just another facility you are offering your customers in that they have another form of payment and you as a business have another form of billing. You are also offering your customer assured credit based services and getting yourself guaranteed payment.

However, it is not possible to offer how to become a merchant iso online payment facilities to your customers without setting up an account first. The process of setting up an account not an easy one, neither is it a cheap proposition. Many merchant solution providers will not let up on the opportunity to take you to the cleaners when negotiating terms and conditions for setting up a merchant account for your business. Therefore it is very important that you know what a merchant account is all about and what the competitive rates are.