Merchant account Problems??

I've never had any problems with any of those but
you can find plenty of horror stories about PayPal
all over the internet.

I'll go look at it here in one sec. I heard some good things about you earlier today. :-)

Oh. And now I don't bother really with a private merchant account. He had it happen to two accounts, and the second one was after we'd gone our own ways.

2Checkout is a really good system for alternate choice of a merchant account. (Especially for those who don't like paypal). Up to 50% of sales will come through each if you have both options from my experiences.

Amber

Hi Matt,

From my experiences with using 3rd party credit card merchant services, I highly recommend going to your local bank and setting up your own Visa and Mastercard merchant services account. Once you're setup you can addon American Express etc. Purchase your own merchant services software (very affordable) directly through your bank which you download onto your computer. Everything is totally automated 24/7 including authorizations and closing out your store with deposits going directly into your business account. Occasionally you need to call in for authorizations to Visa and Mastercard using free 1-800 numbers when some customer info gets rejected for a variety of reasons but 98 per cent of the time the system works perfectly. Your merchant processing costs come way down managing everything yourself and once everything is setup and running it's mostly automated and extremely easy.

Here's the links for Visa and Mastercard merchant services for the US for general info...
Visa USA | Merchants | Merchant Resources
MasterCard Merchant| MasterCard®

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Dave

Yes I really need to know if anyone has ever has this problem. My merchant account and my website builder account could not even help me and I was pissed. I had a physco lady that kept trying to buy a purse off my site with a card that was being declined and tried 24 times which cost me .30 per pop and no one could help me . I had to remove my merchant processor from my account for awhile and leave a message for customers to contact me to process their credit cards because she would not stop. This is costing me business can anyone give me some advice please.

Matt I have a good one for you and if you could give me some advice I would appreciate it because my merchant account or my site builder could not help me. I had a phyco lady trying to buy a purse off my site with a 2 different cards that kept being declined and she tried 24 times which cost me .30 per transaction. I was pissed.... I had to completely remove my processor from my site for awhile and leave a message for my customers to contact me to process them manually. Have you ever heard something like this?

Sorry to hear that. I also have heard many terrible stories about Paypal but thank God I never had any problems with them.

The only horror story I have is PayPal locking my 6 year old account with over a thousand verified transactions and freezing my funds for 6 months.

2Checkout and my bank merchant account with Authorize.net are the only way to go now. 2CO takes PayPal so you have all bases covered.

Ted

Kim
I went through the exact same thing when I had my stores with StoresOnline. It cost a fortune every time a card was "checked".

The failed authorizations weren't always the fault of the customer. Sometimes the system just didn't work properly. Not only do you end up paying a lot of $$ in fees but you lose a customer because they get frustrated and leave.

I switched all my stores over to my own hosting and used zencart and I process my CC's through my QuickBooks software. No double entries. My bookkeeping is done as I do my orders (an my inventory is managed as well)
No I don't have problems with people like your psycho lady because I just don't run the card.
I would talk to your merchant services again about that person and change services if they aren't willing to help you.