Hello and thank you for reading my question. I am starting a small local business that will involve me picking up and delivering to-go food from restaurants to my clients. I would like to accept payment in cash, check or credit card. Cash and check would be easy, as I could just take it upon delivering the food. Credit cards however, are leaving me a little puzzled. I am a bit familiar with Paypal, but have only used it as a buyer on eBay. Should I have them give me their credit card number/exp date over the phone and then type it in to process on Paypal my own? Should I send them some kind of Paypal e-mail invoice? What would you suggest? I’m looking for a method that is safe and secure, but also efficient and easy for the client. Thanks.

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From what I recall it is. My problem is I have DSL internet and a phone jack where I plan to process credit cards, but where I plan to set up office, I only have a cable (and nowhere else in the space) and no phone jack. I need internet in my office!

Is it possible to switch to cable and still process credit cards with cable internet, or is the only solution to go wireless (w/ either internet or credit card processing)?

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I have wireless 5GB broadband internet service on my computer. Is there anyway I can hook a credit card machine to my usb port and use the internet to run credit cards for my business. If so, what is a good setup.
Thanks!

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About 2 years ago I opened up a merchant account with a credit card processing company called Card Service International so I could charge credit cards for my ebay sales instead of using Paypal. Well the first week of sales totaled about ,200 or so. A few days after charging the cards I still saw no sign of the money in my bank account. Then a few days later I saw a DEBIT for ,200 on my account from CSI (card service international). I called them about they explained that since my accoutn was new a red flag was triggered in their system and they were going to have their fraud dept review my account and until the review was complete they would have to chargeback all my recent orders. I explained to the man on the phone SEVERAL TIMES that they have never DEPOSITED the money from the orders into my account int he first place so they didn’t need to DEBIT my account because they never gave me the money to begin with that I had earned from the sales. Apparenly he didn’t care….
I researched the company and found several other complaints similar to mine that and that many class action lawsuits had been filed against CSI b/c they had a history of fraud. I quickly blocked all access to my bank account by this company and filed a chargeback to get my 00 back.

So this morning (2 years later) I wake up and find that I have some new info on my credit report. CSI is claiming that I have debts owed to them amounting ,500! I cannot imagine that the amount of money I owe them could possibly even be anywhere NEAR this amount. My merchant fees per month were only a minimum processing fee and a statement fee. How could I POSSIBLY owe them over 16 grand?

Now is it just me, or can they legally do that? There is just NO way I could owe them that much money. I don’t know what to do. Should I consult an attorney?

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Hi! I am starting a small home business with my mother and we are curious how to get one of the black credit card machines to run credit cards from home - or is it easier to do it over the internet? Also, do you set up an account with the credit card companies? If someone has done this before, can you please explain the beginning of the setup to us please - Thanks so much ;)

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After being such an irresponsible teenager and young adult, at the age of 32 I am not thinking about buying a house very soon and have started the process of cleaning my credit. I am thinking about buying a house in Indianapolis sometime in August or September of this year. Currently my FICO score is 530. I’m having trouble understanding why my score is so low when I only have in my opinion a few things on there. Currently I have 3 very deliquent credit cards on there, 3 old cell phone companies, 2 old cable companies, 1 line of credit for a dental proceedure for k, a k loan, car not, 2 student loans, and a joint shared credit card I have w/my mom. Currently what’s in good standing is my k loan, my car note, my joint credit card w/mom and student loan. So far, I have paid off 1 deliquent credit card, which leaves 2 more still on there and 1 cell phone company. What do you suggest I pay first? Should I do the credit card debt because it is very deliquent and higher or should I pay off the small stuff like the cell phones/cable companies? Do you think if I seriously tackle this credit issue it can be paid off by August and I can have a 675+ score? When buying a house are finance companies looking at the stuff like cell phone charges or more on the credit card and loans I have out. Please advise!!!

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This is not really a question more like information for you guys. I have been doing this on my own since September 2009, decided not to waste a month with Lexington Law to do the same thing, I have managed to Successfully have my Bankruptcy Chapter 7 (Filed in 2005) DELETED from all 3 Credit Reports, as well as 10 other Negative Credit Cards from Capital One, Target, Macy’s and various collection agencies within 4 months.

Just recently I have been able to obtain a New Car Loan, and a Cell Phone Credit Account.

Here is how you do it:
Get your credit report
THE FIRST DISPUTE WILL MOST LIKELY NOT REMOVE IT -
Dispute the information "Please verify all balances/dates as this accuracy of this account is incorrect"
**They have 30-45 days to respond, if they do not verify it, by law it is deleted, if they do it will update*

**DO NOT GET DISCOURAGED- - THIS IS A PROCESS**

When/If it comes back unchanged/Updated Re-Dispute it and state:
"Please state your method of your verification process and source all information on balances, dates and provide information"

Give it 30-45 Days, It most likely will come off/delete from your credit report
If it does not, re-dispute it again with the same statement

My score has increased 100 points in 5 months and i have went from 10 derogatory remarks and a bankruptcy to 3 remarks and no bankruptcy

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Need help solving this, guys.

Background

Your assignment this time is to build an interactive program that allows telemarketers to solicit people in a file for credit cards. The program will open up a text file filled with potential customers and display processed data to the screen in a way that the telemarketer can use it. The program will then give them choices to continue the sales call and finally, will save output to a file for future credit card processing.

Functionality

The program should do the following:

•Read a customer status, name and phone number from a file called potentials.txt

oA customer has a preferred status if the field contains an ‘X’. If it contains anything else, they are not preferred.

•Display the name, phone number and the available interest rate for that customer so that the telemarketer can read it, call the customer and offer them a credit card

oPreferred customers get 7.9%, everybody else gets 12.9%

•Display a menu offering the following options:

oEnter ‘A’ to Accept the card
For this option –
Ask for an address to send the card to
Accept the address
Print a thank you message for telemarketer to read telling the Customer to expect the card soon, happy charging

oEnter ‘T’ to accept and Transfer a balance
For this option-
If preferred – tell them there is no transfer limit
•Accept any dollar amount entered
If not preferred – tell them they can transfer up to 00
•Accept any dollar amount entered as long as it isn’t greater than 1000 (keep asking until you get something less than 1000)
Ask for an address to send the card to
Accept the address
Print thank you message for telemarketer to read telling the customer to expect the card soon, happy charging

oEnter ‘D’ to Decline the card
For this option
If preferred – tempt them with cash back rewards and give them a special phone number to call for a better card
If not preferred – tell them thanks anyhow

•Write the results to a file called confirmed.txt

oThis file should contain the following:
Name
Address
Status flag (X or whatever)
If the account is new (A) or transfer (T)
Any dollar amount they may be transferring.

If the customer declines, they should not appear in the confirmed file

Functionality

You must implement at least three functions other than the main function.

Text file called potentials.txt reads:

———————————–
X Joe Scholtz 437-4798
A Tim Wade 768-7658
X Sara Jobs 326-7857
! Jaynce Bee 354-8678
————————————–

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I am in a process of finding a new job and already had couple interviews. A few months ago I got a report that my name and SSN were reported as having a bad credit, because of unpaid phone bill of . I was in Europe for 5 months so I forget to pay the last bill. I don’t have any credit cards or other debs. So can this so called bad credit affect my employment application?
Thanks in advance.

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I am a sales rep for a new, small company. We need to set up to accept credit cards and would like to know who has the best deal. Also I want to know if it is cheaper to accept debit v/s credit.
If you know a company to stay away from, please let me know!

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Back-story: I am trying to "setup" Skype to work on my Laptop and PSPGo so that I can reduce the amount of money I spend on phone calls, but I need a credit card for the monthly plan. I don’t have any credit history, and I want to start using Skype ASAP. I didn’t realize that normal credit cards are almost impossible to get if you have no credit history, and setting up a loan will take to long (waiting to actually accumulate credit history w/ the loan, plus then waiting for the credit card application process). I have found that my only option is setting up a secured credit card. My only problem is that I am not sure if I can get a co-applicant. I am in college and asked all my family (including relatives) if they would be willing to co-sign private loans, and understandable with the economy, they all said no. As a result I now have to work extra to pay for my college than what I would have if they would co-sign.

As far as I am aware, a secure credit card is where you (the card holder) needs to have collateral in the form of a bank account (or something similar) where that collateral becomes your line of credit. I have both a checking and savings account, and easily meet the 0 min, 00max restrictions on the secure credit card.

Why would do I need a co-applicant, if I already have collateral for the card?

Also, if you read my back-story then let me know if this is basically the only way that I can get a credit card ASAP.

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I have a Optimum T4205, one of those credit card swiping machines that charge money on customer’s credit cards. And I accidentally inputted the wrong phone number on the receipt printout. How do I change it?

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I am a recent college student with loans and credit cards to pay. I’m very confused about the whole process, and am looking for some guidance. I am also a couple payments behind, which I know is NOT GOOD. I’m starting to get phone calls, and I just want to get back on track. Any ideas?
I live in Philadelphia, PA. Anything in the area would be appreciated.

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I’m starting up a small business; I will be making sales over the phone of a single product. And, I need a very basic point of sale system. Essentially I need the program to do a few things:

Process credit cards, take down customer information (i.e. name, billing/shipping address), account for taxes, and print invoices (maybe also print labels).

Obviously, if there is a free program that does this, it would be great, but otherwise I’m willing to consider any suggestions.

Thanks to everyone ahead of time!

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I owe money on 3 credit cards. My car got repoed a few months ago and it’s in the process of being auctioned off and I am responsible for paying the difference which is a few grand. I am literally broke. I closed my bank account because I’m scared that the collection agencies have authorization to take whatever is in my name. Is this true? Can you please tell me what to watch out for? This is getting really annoying because there are some things I want to pay for like my phone bill or just simple things here and there and it sucks not having a debit card, it’s so much easier. I even purchased that american express gift card but that’s not even re loadable. Any tips? Also, another crazy thing. I am a new customer with a cell phone carrier and the very next day after getting new service, my phone has not stopped ringing from the creditors. How did they get my number???
Lemon: Thank you for understanding and taking the time to answer this. I’m very scared about the whole bankruptcy thing lol I’ve considered it numerous times before and I even contacted an attorney but when the appt came, I chickened out and never showed up lol

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I am just wondering how does the credit card machine work? For example, for a restraurant- When they charge a bill, doesn’t the credit card machine company get a percentage? Why do businesses insist of costumers on paying cash all the time rather than credit cards? (Who gets the money and how does the system work?)

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i want to pay off an old cc that is not at an outside collection agency, but it is with collections of the credit cards. i want to pay it off before they sue, they already started that process. do you think it’s safe to pay over the phone by electronic check? is capital one.

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I want to be able to accept credit cards at my customers home when I perform my hair service. About how much will that cost? Where do I get the machines?

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ok i work at a restaurant and the owner has a min for credit cards. no transactions under 4.00 . can they do that? i had a customer that told me she couldn’t do that, that its illegal but i’ve seen people do that. also on the credit card transactions it has the full credit card number. ive had people write over the whole number and my boss tells them that all she needs is the four last numbers just in case there is a problem she can look for the last 4 numbers. they tell her that’s illegal but i think if it was the credit card people would of programed it different right? just want to know if my boss is ok . don’t want them to get in trouble

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We have opened a second hand store and we carry a lot of furniture. We really don’t like accepting checks as some of them tend to bounce farther than a bungee jump. We want to accept credit cards and debit cards. Do they run through a phone line or a computer line? What should I know about them and what should I watch out for?

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i am starting my own online business, and i need to accept credit cards can i use paypal’s Website Payments Pro without a merchant account, if i need a merchant account hoe do i get one

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I have small pizza place and no idea what to do in order to charge credit cards. I got from my friend credit card machine but I do not know what should I do next. The machine needs to be connected to the phone and I have the phone but who I contact to be able to use the machine?
Thanks for the help in advance.

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I can;t find a site that will accept korean credit cards. Paypal says they do but the address verfiication won;t recognize korean language. Korean people can;t translate that into english due to that they dont know the language. How can I accept korean credit cards for my business here in US? I contacted korean american businesses assocaiton but no one has replied or called me. I need help please! Does anyone know of any merchant account or anything where
my site can accept S Korean Credit cards?

thanks

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I’m looking to start an online business.
And I want to accept payments by Credit Cards.
I would be doing recurring billings too.

But, I’m kinda confused with which service I should use.
I’m based outside the U.S
and 1shoppingcart’s reseller’s website recommends WorldPay
as as International Merchant Account provider.

Then I went to some other shopping cart software’s website
and they state fees from Authorize.net.

What is Authorize.net anyway? Do i need WorldPay and Authorize.net
at the same time?

Can anyone guide me on this?

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A good place I can set up a merchant account that will let me accept credit cards online? Hopefully a service cheap.

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