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Online Credit Card Processing
You can take advantage of online credit card processing whether you currently
accept credit cards or not.
1) Using Paypal as your Payment Provider for "Real Time" charges.
This is the most economical way of handling your credit card transactions if you don't already have a Merchant Account. Paypal is known world-wide, and handles more online transactions than all the other providers combined. There are over 100 million registered Paypal users, and a person does NOT have to register with Paypal to pay you with their credit card. Many people prefer to pay with Paypal since they do not have to enter their credit card information online if they are registered with them, and it just takes one click to pay.
2) Charging a deposit when client makes a reservation request which you can put through or void later.
Your Payments page can also be set up using the free Paypal "Web site Payments Standard Account" to charge a deposit when someone makes a reservation request, but not put through the charge until you approve the request. You could also void the charge if you do not wish to confirm their reservation request. This would get them to commit at the time of making a reservation request and not keep searching for another rental. The only disadvantage is it must be a set amount, or a choice of amounts. You can see an example of how this works here.
3) Charging through the Paypal "Virtual Terminal":
Paypal also has a service called "Virtual Terminal" which expands upon what you can do within a regular Business Account for charging credit cards. With it you can take your renter's card information either on a secure server online, by phone, fax, mail, or in person, and make the charge yourself through Paypal without them needing to do anything. You could charge the deposit, and then later make other charges when due, all without their having to go through Paypal to make the payment. If you have a Paypal Business Account or Web site Payments Standard Account it costs $30 a month for this extra service. You can go here to learn more about it. You can also upgrade to Web Site Payments Pro which gives you more flexibilty in making charges.
NOTE: A regular Paypal Business Account has limits as to the amount that you will be able to charge a client, which is partly determined by how much they may have already charged through Paypal that month. If you need to charge rather large amounts for deposits (like over $4000), you may encounter problems unless you upgrade to a Virtual Terminal or Website Payments Pro.
4) Take credit card information online to charge through your existing Merchant Account "Virtual Terminal":
Most all Merchant Accounts come with the ability to handle credit card payments through a built in "Virtual Terminal". We can set up a payment button on your web site which can collect your client's personal and credit card information on a secure server where you can access it in order to put a charge through on their credit card. Everything is handled with several layers of security, and the credit card information is never revealed in an insecure manner for total protection. Your client will be emailed a receipt, and you will receive an email Notification of Payment. You will have an Administration Area you log into to collect the credit card information, and will have a complete record of all transactions.
5) Charge credit cards through a Merchant Account in "real time":
It is possible to charge credit cards directly online through a Merchant Account instead of using a Virtual Terminal. We can set this up for you if you have a Paypal Web site Payments Pro account since they act as their own Payment Gateway and a separate one is not required. With Paypal Web site Payments Pro the main advantage is the payment process does not have to go to the Paypal site unless one chooses to use "Express Checkout" to pay with their Paypal account. The process would look similar to what it does in the Virtual Terminal example, and can be made to blend in with your site throughout the entire checkout process. There is an extra monthly fee of $8 for the secure server for this option, plus a $280 setup fee.
6) How much does it cost to set up these options on your site?
1 - Using a "Submit Payment" button with a Paypal Business Account or Web site Payments Standard Account to take online charges:
2 - Taking deposit money "real time" using "Authorize and Capture" through Paypal when your client makes a reservation request, and putting the charge through or voiding it later:
3 - Collecting credit card information securely online for charging through your Paypal or other Merchant Account's Virtual Terminal:
4 - Charging "Real Time" through a Merchant Account:
If you aren't already signed up with Paypal to receive payments, you can find out more about it and sign up here. However you decide to take payments, having Paypal as an option is a good idea since many people prefer to use them for online transactions.
Taking Payments by Check :
The best and also most economical way for you to take deposits and additional payments would be to take a credit card for the deposit to secure the booking, and then have the guest mail you a check for the balance in advance of the trip. This minimizes the fees yet secures the booking instantly.
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