Accept Payment Online

Best way to accept credit cards for small business owner? I am starting a small business and I need to be able to accept credit cards. I have heard a lot of bad things about Pay-pal and I would like to avoid using Pay-pal. Besides, I will need to be able to just swipe a card and quickly move on to the next customer. Also, my personal credit rating is not good, and it seems like most of the options I have seen require a credit check. Does anyone have any suggestions/advice about accepting credit card payments for a small business owner without good credit?

best credit cards unsecured for people with no credit history? I'm looking to start building credit history of which I have none good or bad. I am not a student. I am in my 50's. Looking to get accepted quickly and no annual fees. Which do you recommend or have had a personal experience with. Thanks for your comments that will give me a little more information.

Assistance with the unemployment insurance on my credit card? Here is the story: The company I had worked for, for nearly 20 years was bought out and the new company laid off over 80% of the employees. The severance package I received and my vacation "buy out" totaled nearly 7 months. During the last month I worked, the company brought in people from the state unemployment office and job assistance programs to meet with those being let go. During that meeting it was mentioned that people who receive severance packages etc may not be immediatly elligable for unemployment benefits. There were two "waves" of employees who went out before my "wave" went, and I was hearing from some of those, that because of the size of their severance package they were being told they did not qualify yet and wait till the severance package ran out. Then I heard the nightmares they went through when they reapplied. When I left with my packages, I opted to not go through what they went through. Frankly, with a package that equalled almost 7 months, I wasn't expecting to be unemployed that long. I had never been unemployed for more than 6 weeks in five jobs I had over nearly 25 years. I had always been able to find work quickly. One time I wasn't even without work long enough to receive my first unemployment check. After 7 months I was still unable to find a job and the severance package ran out, so I filed for unemployment. During this time I was faithfully paying my bills. When I decided to file for my credit card insurance is when all hell broke lose. I called the company, was told they don't deal with BofA anymore. I called back, oh yes they handle BofA, but I'm not on the list. I call BofA. BofA gets angry and calls themselves. They get the same runaround... first told they don't handle it, then when the lady at BofA said "Um, I AM BofA!!" The lady on the other line said "Oh, let me transfer you to the people who take care of that" Then that person said I'm not on the list. The lady at BofA said BULLSH*T (yes she did). Then I was miraculously found. They sent me the paperwork. I filled it out and sent it back. They lost the paperwork and wouldn't accept a copy of my copy. So I refilled it out. They declined me saying I didn't file for unemployment within 30 days. I got pissed. By this time, I had to move and couldn't deal with this, while looking for work and a place to live. When I got settled again, I called BofA. at that time my intent was to find out how much I paid over the years and atleast try to get that money back. BofA wasn't happy with what I went through, so they tried again. Again we went through the same situation... They don't handle BofA, oh you're BofA, yes we do, that person is not on our list, oh, wait yes she is. You should have been approved, we'll resend the paperwork. Again I filled out the paperwork and again I was declined. What are my options at this time? Do I have any legal recourse? Is this even legal? There are extrenuating circumstances for everything and these people don't seem to acknowledge them. Frankly, I feel by the way they tried to sneak around saying they didn't handle that account and then saying I wasn't on their list, it's as if they are trying everything possible to not pay up. I have prided myself on keeping my credit in good standing. To get this monkey off my back and not knowing what exactly my future was, I opted to take money out of my retirement savings to pay it off. But they still should reimburse me. I paid them... for years. This is not right. I appreciate you reading my story and appreciate any assistance and advice you can offer.

Trying to resolve Housing Health Issue w/apartment? Husband ill w/bacteria filled ulcers. 8 months treatment w/wound care clinic & bandage changing 2x/day. Bacteria saturated carpet w/padding, despite frequent changes of bandages. Now he is in hospital, undergoing antibiotics thru IV's for the past week. Finished up with topical surgery, back on w/bandages & IV antibiotics. Meanwhile (...back at the farm...) the apartment is a HAZMAT zone for him, and I need to get the apartment as clean & sterile as possible. Even the vents for air have spores from the bacteria that get re-distributed on top of everything when I run it. I got the apartment to agree to clean the vents, but the carpet is another matter. I asked to have the carpet replaced. The carpet is 4 yrs old this coming May (per their records), and we have lived there 3 yrs now. Just renewed another 14 months (before we knew of the seriousness). Their answer is that despite the fact that (per contract) the carpet of 5 yrs is considered as "spent" and is not the responsibility to be charged to the tenant, they do not want to pro-rate any replacement cost to us. Bottomline, we pay 100% replacement, for linoleum (which is better than carpet), and pay up front the $1200. We don't have the money, they demand a cashiers ck/money order, and they won't accept a credit card payment. Since we aren't going to "take it with us" when we leave, and since they won't pro-rate the charge to replace, since they won't permit outside vendor to do this project, and since we are "between a rock and a hard place", handicapped designed apartments are very rare.... What do you suggest? What do you deem as fair for both parties? Do we have legal recourse? It took us 18 months to find this apartment and the toilet area is very critical bc hubby is 100% disabled in a wheelchair. Can't go around that fact. Are there any agencies to help us? Financially and/or legal assistance would be good. I feel that the apartment owners are strong arming us into buying them an updated apartment. Merely cleaning the current carpet is not sufficient, since the bacteria has soaked through. Additionally a wheelchair stretches and dirties up carpet beyond belief. I need to be able to quickly wipe up bacteria, sanitize, and move on w/o worry. I am at my wits end. I dont' want to return my hubby to the very environment that nearly killed him. Please advise and thanks! 033110 TxRiverRat-thanks for the suggestion! I did not think of that person. I was told to contact the Social Worker at the hospital for complaints...but not beyond that for their usefulness. This is great info!