Saturday, October 29, 2011

Merchant Accounts vs High Risk Merchant Accounts

   Merchant Accounts vs High Risk Merchant Accounts
For some specific business types, merchant accounts are often difficult to obtain because they are categorized as a "high risk businesses".

These business types include, but are not limited to:

Auctions | Travel Agencies | Pharmacuticals | Gambling | Dating | Telemarketing | Multi Level Marking (MLM) | Cell Phones| Load Modification | Debt Settlement

Most merchant account providers
classify these industries a higher risk due to an excessive amount of charge backs, fraud and refunds. Because of these, even if your business does not fall victim to this, merchant accounts for these business types are generally charged higher rates.

Often, the only difference between a high risk merchant account and an ordinary merchant account is the business type. The industry has a list of business types that it considers to be riskier to work with than say... a small retail store where every card is swiped by a live person.

Any time a card is collected over the phone, internet or by mail, it is considered to be riskier simply because it is harder to prove that the person ordering from you is the actual cardholder. Additionally, some specific business types (such as travel, seminars, bail bonds, infomercials, etc) are riskier because an excessive number of cardholder claim they did not get what they paid for and charge the transaction back.

Banks are generally the most difficult place to obtain a high risk merchant account. Additionally, even if they approve the account, their fees and rates tend to be excessive. Third party merchant account providers can usually provide high risk merchant accounts for a variety of reasons, be it in-house risk and underwriting management or the ability to spread an account among various banks.

Additionally, because
third party account providers are in strong competition with one another, rates tend to be lower than a bank offering, but still higher than a standard account to offset the risk involved. Some providers charge an application fee, though many do not.

There are two types of fees that make up the majority of the cost. The first is the transaction fee, sometimes called the authorization fee. This is a flat per transaction fee that can run anywhere from $.30 to $.75 depending on a number of factors. The second important fee is the discount rate. 

The discount rate is a percentage of the amount of the transaction that can vary from 3% and up depending on business type and business financials. Some other fees to keep an eye out for are monthly maintenance fees, statement fees, chargeback fees and monthly minimums. 
 if you have any confuse about merchant accoutn ,please free to contact me :skype:goodluck3801,E-mail: greatbusiness24@hotmail.com
i am willing to anwer your any quetions about high risk merchant account and high risk industries .
Have a nice day 

Friday, October 28, 2011

Which industries are identified as high risk business ?

    Which industries are identifified as high risk business ?
   High risk business means high economical profit ,this is the main reason i like ,i like huge challenge ,challenge make me more stronger and intelligent !
    Merchants such as travel, adult, adult internet, and collection services, among others are considered to be High Risk.
Here are a few other business type that are classified as high risk.
Adult Sites and Products
Amusement & Recreation Services
Auto Rental
Bail Bondsmen
Buying / Shopping Clubs / Wholesale Clubs
Cellular Phones & Beepers
Check Cashing Services
Coin Shops

Collection Agencies
Computer Stores
Credit Repair
Credit Interest Rate Reduction
Custom Products
Detective Services
Door-to-Door Sales
Downloading of Software
Escort Services / Massage Parlors
Gun Shops
Hair Restoration Services
High Volume / High Ticket
Home / Apartment Operated Business
Horoscope / Fortune Tellers
Insurance Products
Investment Opportunities
Internet / Custom Jewelry Sales
Meat Provisions, Freezer, Lockers
Mortgage Services / Securities Sales
Multi-level Marketing

Outbound / Inbound Telemarketing / Phone Solicitation
Pawn Shops
Internet Pharmaceuticals / Vitamins
Seminars, Educational
Sports Cards
Sports Forcasting / Consulting
Telecommunications Equipment Sales
Time Share Sales
Used Auto Sales
Water Purifiers

Weight Loss Centers
   Ballistic Merchant Services welcomes your business and offers cost effective check processing solutions that will increase your profits.
  I hope this message will give you huge help for your great business 

 Have a nice day 

Thursday, October 27, 2011

Work hard ,you can gain what you want !

   Work hare ,you can gain what you want !
    Most people tell motivation doesn't last ,i just tell the people motivation just like bathing ,we have to take bath every day ,so we often have to motivate !
   The following is my favourite motivation words ,i am happy to share it to everyone .
 1 Genius only means hard-working all one's life .
 2  I have nothing to offer but blood , toil tears and sweat .
3 Our destiny offers not the cup of despair , but the chalice of opportunity.
4  Patience is bitter, but its fruit is sweet .
 5 Progress is the activity of today and the assurance of tomorrow . 
  6 The world can be changed by man's endeavor, and that this endeavor can lead to something new and better .No man can sever the bonds that unite him to his society simply by averting his eyes . He must ever be receptive and sensitive to the new ; and have sufficient courage and skill to novel facts and to deal with them . (Franklin Roosevelt , American President.

  This motivational words inspire me to work and study very hard ,i like the industrious and intelligent person ,only this people work together ,then the world can change more better !
   Have a nice day 


My first article

 My first article
   I am so happy today ,i have my own blog ,then i will post some review about high risk products information ,high risk business infomation ,high risk businesss trend in the future ,how to control the business risk and gain the maximum economical profit . 
if my dear readers have good idea and have different opinion ,please free to leave a comment ,i will take care of it seriously .
  i also like making friends all over the world ,i am outgoing and i like music and reading ,reading is my favourite.
The follow words are my idea of reading :
    1  Good books are like a wise and nice man of last generation, who supports me to walk forward, and helps me come to understand the world.
  2 Only books can link the fragments of history into a cable, can gather around the numerous ethnic groups, can make the seeds of human cultivation existent on the vast land forever. 
   3  What one describes in the books is one’s thought in his mind. The personality of a book is that of the author.
    4 Reading ten thousand books is like traveling ten thousand miles. 
     5   Diligence is the path through the mountain of books if there is a way, and hardship is the boat across the sea of study when there is no end.
    6  No matter how much one has experienced, he can’t enrich his knowledge without reading books. 
    7  At idle and quiet time, I’ll go to read literature books; at gloomy and sad time, I’ll go to read the book of the great nature. When I come out from the literature books, I seem to have become a philosopher; when I come out of the book of the great nature, I seem to have become a young child.
     8  Friends are not books, yet books are friends. Friends may betray you, while books are always loyal. 
Coping with problems in our real life is the end, and reading is only one of the means to reach the end. 
  9  Books are the food for the hungry of great mind. 
  10   Books are treasure banks storing wisdom passed down from generation to generation.
    11   Nothing in the world is difficult for one who sets his mind to it.” To cross the threshold is not difficult, and mastery, too, is possible provided one sets one’s mind to the task and is good at learning. 
    12   Learning without thinking leads to confusion; thinking without studying results in tardiness. 
13    Books are really man’s most loyal friends, as they can provide you with wings, sometimes flying to the faraway places, sometimes to the ancient times, sometimes even to the unknown future. 
  14   After you have read more than ten thousand volumes, you will find it easy to write as if God were there helping you. 
   15  Isn’t it a happy thing if you review what you have learned on time?
16   Reading is not only beneficial to widen your horizon but also helpful to master the language. 
  i also like this powerful words very much  ,it can help me to conquer the obstacles on the life road .
     Have a nice day 
   God will bless you