Merchant Accounts

As consumers, we are always wanting to get the best credit card rate, if we choose to use credit cards at all.

But merchants are also looking for the best rates--better credit card processing transaction rates. Depending on what kind of businesses they are in, merchants can have an easier or harder time getting a good rate.

For example, brick and mortar retail stores are not considered very risky, because retailers can swipe the customers' cards and get the consumers' signatures on credit card purchases, which prevents a lot of chargebacks. So it is pretty likely that some companies would give a retail store a good retail store processing rate.

On the other hand, some internet retailers might be considered risky and have a harder time getting a good rate, because they cannot swipe customers' cards or get their signatures, which can lead to a lot of chargebacks.

For companies that are considered very risky or that have been rejected by a solution provider, they might consider applying for merchants services off shore. There are some drawbacks to using offshore processing providers, but Ms. Merchant Account states they work only with the most reputable international credit card processing agencies to protect their customers from fraud and other bad practices.