To increase sales on your website, you must accept creditcards. To process credit cards, you could apply for amerchant account through your bank or other financial institution.

Sometimes, though, you would be further ahead to use theservices of a credit card processor. This is especiallytrue when you are first starting out and have morelimited resources. In this way, you may process creditcard transactions without the high front-end costs andrequirements of a merchant account.

Here, then, are just a few ways of accepting credit cardswithout a merchant account. I personally use all of thesevendors and can recommend them wholeheartedly.

1. Clickbank

If your product is downloadable (such as electronic booksor software), you might consider ClickBank.com . For a$49.95 initial fee, you can process credit cards andon-line cheques for $1.00 per transaction plus 7.5% ofsales.

You receive additional exposure through free listing ontheir website and through the search facilities of otherwebsites, such as CBMall.com .

As an added bonus, you have your own built-in affiliateprogram. You decide what commission (from 1% to 75%) youwould like to pay your affiliates.

2. PayPal

PayPal.com has no initial fees. For just 2.9% of salesand $ .30 per transaction (and sometimes less), you canreceive money from anyone.

Also, you can pay others by credit card or chequing accountwithout supplying your personal credit information to thepayee. PayPal can be used to collect money from yourauctions, website sales, or even from friends or clients.

3. PaySystems

PaySystems.com can handle either intangible (downloadable)or tangible (shippable) products. For an initial fee of$49.00, you can accept all major credit cards as well asonline checks. Fees are just 3.95% of sales and $1.00 pertransaction. Alternatively, you may pay 5.5% of sales and$ .35 per transaction.

For this, you receive shopping cart, integration withthird-party affiliate programs (such as ClixGalore.com ),fraud screening, multi-currency transactions, toll-freesupport, marketing tools, and more.

For more information on how to accept credit cards withouta merchant account, visit: http://www.yenommarketinginc.com/creditcards.html

RESOURCE BOX:

J. Stephen Pope, President of Pope Consulting Inc.,http://www.popeconsultinginc.com/ has been helping clientsto earn maximum business profits for over twenty-five years.

For valuable Work at Home Small Business Ideas, visithttp://www.yenommarketinginc.com/