I have a website which will allow people can buy information products online. As I am starting my business I do not want to open a merchant account. my question is:
1- Which is the best payment processing to use which allow people to use their credit card?
2- Not using a merchant account reduces the payment rate. For example: some people do not like the idea of having to open a Pay-Pal account to make payments so they do not buy.
What is the solution for that. I do not want to open a merchant account but I also want customers to have the confidence to make payment online.
Thank you very much for your time and attention.