Accept Payment Online

Are there any credit card processors who pay instantly? Is there a viable way for a small business to receive payments "instantly" on credit cards and/or checks that have been accepted. I know that there is instant verification of funds and such. But, the processing companies seem to hold the money for varied amounts of time that is not predictable. Or, has anyone had a good experience with a particular company as far a getting their money in a true 24-48 hour time period? Credit cards just seem to kill us from a cashflow standpoint, as we never really know when our money will be available. And, the way that it is deposited is next to impossible to tell which deposits are which, being that we have a lot of same cost charges, ie.$64.20. We may have 30 charges of $64.20, but don't know which ones are being paid and which one's are not because they are not discriminated in any intelligble way that we see. I'm not getting the money within 24-48 hours. It's more like 7-15 days. Occasionally we may make a large sale of $10,000-$20,000 and need that money within a few days. So having them pay upfront doesn't even help when they will most definately hold a charge that large for 3 weeks or longer. And that's bull about the banks need time to see that the money is available. They do instant verification and put a hold on the money immediately. They then withdraw the money and hold it to draw interest as long as they can. And by the way we have dealt with 3 different companies with the same results from all 3. That's why I asked is there anyone who has dealt with a specific company that ACTUALLY releases the money in the 24-48 or even 72 hour window.

got denied from credit card companies? i just got denied from 2 credit card companies and i want to establish credit but i keep getting denied. i applied walmart online and citi online. i want a credit card though. do someone know a credit card that will instantly accept me? will my credit score go down if i apply for another place and get denied again like day after day? please help but the thing is i do have a bank account from citizens bank but its closed from over drafting i am slowly paying it off. but my savings is still active. i really want to get a credit card though because i want to establish credit. i dont even know if ill get approved from the secured credit from the bank. i dont even know if they have that. so please help!

Will my credit line increase request on my credit card be accepted? I have a $2500 credit limit. I am a student and have a job. Last month I requested for a credit line increase of $500 for a BofA card. I got it instantly but I need to increase it another $500 just to pay this month's rent. I will be paying most of the card off in mid-September because that is when I will be getting my money. Will I be able to get the increase? Is it better to call the credit card people or request it online and see if I get it instantly? Should I tell them about this (rent payment and will be paying it off in mid-September so need it on a temporary basis)? I have paid $500 just 2 days ago, bought a ticket for $500 and then paid another $350 back today. Will that help at all? I have paid all bills on time (min. payment) and sporadically paid $250 or some higher than minimum amount. I have never been late on any payments whether it be the credit card or a water biIl. it best to call and request it? Rent is due by 3rd September. Any help will be greatly appreciated!!! Had the card for about 9 months now. I do have another cc with a $2000 that is almost full too. I had to pay summer fees with that but am slowly paying it off.

To Paypal to Debit Card to Shop? How do I use my paypal funds so i can buy of websites that accept debit cards? When I sell something on ebay I state that I havent ordered it yet in the description, so its legal, k. When funds enter my paypal account from ebay I need to use them instantly or within the next 2 days max & I need to use them in debit/credit card form on shops like amazon. I know there's a paypal debit card but the limmit is not high enough to earn any real profit... Does anyone know a way to get my ebay funds from my paypal account fast so I can use them?? Any Help would be great thanks ^_^

credit approval acceptance? does anyone know when applying for something online.say for instance a credit card or a catalogue account.when you submit your application form.it tells you instantly wheather you approved or not.surely they cant check your employment and finacial details that quickly.to make a decision in seconds.im just curious as i applied for a 0% credit card with a £3000 credit limit.and was accepted instantly.anybody got any ideas on this.thank you.best answer gets 10 points aswell whooooooo

is there any way I can transfer money from a credit card to my bank account? is there any way I can transfer money from a credit card to my bank account? I know netteller will but they only accept visa and I want a way that will let me transfer the money into my account instantly or within 24 hours?

I want to know how to accept payments from customers using paypal BUT without them actually being members,? i.e: when they go to the checkout page, I want them to have the option to pay instantly by credit/debit card without having to login to paypal if they aren't members. I am using paypal myself. How do I do this bcause at the moment it is only offering for customers to login as paypal members...thanks people

Does a pre-approved credit card still show up as a credit inquiry? I need an answer to resolve a dispute (with a friend): If I get a pre-approved credit card offer in the mail and choose to accept it, does my credit report still get dinged for a credit inqury, or does the fact that I'm pre-approved eliminate that? I know I've seen "pre-qualified" offers, and I'd imagine those come with an inquiry, but I'm looking to expand my credit line without too many inquiries in a short time. I recently opened two store credit cards over the Christmas season which got instantly maxed out (buying an engagement ring and an HDTV). I'm looking to avoid appearing like a credit risk with a large number of inquiries over a short period of time, but increasing my available credit/debt ratio. Any suggestions/answers?

How do you pay for stuff online instantly? I tried online banking with debit cards, but I have to pay $1.50 to wait about 3 days just to get what I want (email transfer) OR I can get it instantly if I shop online from Canadian retailers who all suck compared to the US retailers and half of their sites don't even work (I checked) and the major retailers don't even accept it. So I heard that with a credit card you can pay for stuff online and it is instant without delays and have seen it for myself. But before I get one is there any other way I can pay for stuff online instantly without having to wait? Also if I go get a credit card, what are the fees like? I plan to pay in full the minute I get the bill.

When selling something on ebay how do I request an instant payment on the item? Because im selling alot of things on ebay right now and I dont have the money for shipping and no credit card so I need the funds instantly to pay for shipping. I know paypal usually holds the payments sometimes but there was this one time when I sold something and it was an instant payment from the buyer. How do i set the things i'm selling to only accept instant payments over paypal?

Desperately Need Advice regarding E-commerce Website!? am student (Web Design) and I have just started to build my Portfolio. Everything has been going really great - but now I have an Ecommerce site and I am in way over my head. Initially, the client was going to be selling a few items, and just wanted a shopping cart. Now, it has turned into a full blown ecommerce site. He wants buyers to be able to create a login that will remember their credit card information, he wants to accept all major credit cards apart from Paypal, and he wants to transactions to be processed instantly. Basically he wants amazon.com. I know that this is where I need to learn PHP and My SQL. Here is my dilemma - do I back out now and give him his money back, or do I push through? I have looked at store "templates" but there doesn't seem to be anything I can integrate into my site. ANY suggestions would be VERY MUCH appreciated.

What's a good eBay payment service other than PayPal, one which charges the fees to the buyer, not the seller? I am tired of dealing with Paypal and the fees they charge sellers for use of the service. I sell items frequently on eBay, and would like to have a way to allow customers to pay instantly via a credit card or bank account, but I don't want to get charged a fee for accepting their payment. After all, paying with these methods is a convenience to the BUYER, not to the SELLER... so why should the seller have to pay? I know BidPay, through Western Union, used to work this way, but they recently closed down and relaunched their operation as a typical "PayPal clone," charging the fees to the sellers. There must be another, reputable service out there that does this (and which eBay allows). I've even tried tacking a "Paypal convenience fee" onto PayPal payments that I accept (I notify bidders of this in my auction description), but I guess this goes against PayPal rules. Does anyone know of a service that will do what I'm asking? I forgot to mention why that "up the shipping and handling fee" option won't work for me - most of what I sell includes free shipping since I usually resell gift cards through eBay. Obviously the margins on these are minimal already (I'll get $50 gift card for Toys 'r Us for about $40, for example, through a source that I have, then it will sell on eBay for $44.00) That's just a $4.00 margin. Subtract out eBay's fees, my $0.39 cents for the stamp to mail it out (can't really charge $5 shipping for a first-class letter), and I'm left with just a couple dollars profit. If PayPal took a chunk, I wouldn't even be able to pay for the spit I used to seal the envelope! Perhaps now it's evident why I need such a service... And you may ask - why not just use the cards myself? I live in a rural area and don't have access to most of the stores I have cards for. Putting them up on eBay is my only option to get anything back for them.

Can you someone please help? This is my essay on government surveillance: As technology grows better and faster life in general is becoming more controlled. How? Go to a stoplight and you’ll see cameras. Go to any store and you’ll see cameras. Even on public buses and gasoline stations there are cameras. Google you or your parents’ names on the Internet and something is bound to come up. The government can, with a legal warrant, go into your house and search your computer or anything else. Use your credit card and they can locate you instantly for whatever reason. Even cell phones have become a tracking device. So ask your self, why all the cameras? Why all the suspicious surveillance? It is true that for the most part surveillance has increased because of terrorism and the rise in crime. The government cannot let any suspicious person or matter get past them for the fear of anther 9/11 attack, but what if there’s another side to this? I am not saying that government is trying to slowly turn us into robots. I do not believe that and hopefully it is not true, but investing 50 million dollars in cameras for student surveillance in schools is a little absurd. So why did the government do it? I just happen to go to the best high school in Petaluma, California, with the best well-behaved kids and there are no cameras here. Can someone be trying to slowly take away our freedom? I do not know, but I know that this is not all because of terrorism. Enter the National ID card or, a fancier name for it, the Real ID Act. The Real ID Act was a law passed in 2005 requesting that everyone in the U.S. have this special type if ID card which imposed certain security, authentication, and issuance procedures standards for the state driver's licenses and state ID cards, for them to be accepted by the federal government for "official purposes", as defined by the Secretary of Homeland Security. What they mean by “official purposes” is that if you don’t have it you will not be able to open a bank account, enter a federal building, ride a plane or train, and any state in the U.S. that chose not to have this card would have their citizens automatically turned into nonpersons. This ID card was voluntary. Fortunately, this law was not completely put into motion because the states opposed it. This is not only in the United States. In the U.K, London has more than 150,000 cameras monitoring its population. Cameras do not stop crime or terrorism in any place. Police using technology to enforce laws is a lot different than using technology to “monitor a population”. There is also this microchip called the RFID tag, which is a tiny microchip, inserted into animals just in case they get lost. Your pet might have one of these. Biologists use these as tracking devices for animals and to monitor their behaviors. It would not surprise me (and the government has talked about it) if a human were the next one to have this chip inserted into their body. So in a sense the government is trying to control us or take away our freedom. We are not terrorists we are U.S. citizens. Some people might say that all this surveillance and monitoring is just for the safety of everyone but I for one feel uncomfortable about it. Maybe no one is really trying to take away our freedom but what if in the future things take a drastic turn and with the snap of a finger just control all our lives? I alone cannot change this situation but I know there are others with me who believe the same thing and all of us together can change it. Can you please find a thesis for it because even though i wrote it i coudn't really put my finger on the thesis and could you please summerize it in like 3 sentences or more if you like. you dont have to read it all just scan through it or something OR JUST GIVE YOUR OPINION ON IT that was very vague but thanks anyways

Is there hope, or is this complicated relationship not worth waiting to see if it clears up? (21 please) Complicated is an understatement, unfortunately I can’t think of a concise way to highlight the order of events. We’ve been seeing each other for almost 10 months now. I met her in September '07 and she had a bf. I talked to her a couple times but kept my distance as a sign of respect because I would appreciate the same respect from a guy talking to the girl I was dating. October rolls around, I receive a facebook message over the weekend saying she wants to go on a date. This caught me off guard because I thought she was taken. I accept, we meet up, I find out she got dumped, I immediately think I'm the rebound so I remain cautious. They had dated 5 years, and lived together the past 1.5 years, marriage was in their near future, etc. He is one of the mentally and physically manipulative/abusive types, although very charismatic - he has dumped her numerous times in the past and she crawls back every time except not this time. She sticks with me, she likes me even though I'm a 180 spin off her ex. He's the bad boy type, tattoos, piercings, out bursting, manipulative, swears all the time, rude to everyone around him, etc. Her and I hit it off and really connected from date #1. There was pure electricity. She asked me to see her the next day, and then the following day. On day 4 we were back at college and she invited me out to drink with her and her room mates. Intoxication ensued, one thing led to another, we're on her bed. She wanted to have sex, I said no at first because I am used to only having sex with girls that I've dated. However because the connection we shared was so amazing, she didn’t have to twist my arm much because I knew I could see myself with her. We slept together. A month passes; we've spent nearly every day together since. Intimacy remained regularity while we established a solid foundation quizzing each other, learning about past experiences, likes/dislikes, etc. *Mind you, I'm well aware how backwards this occurred. In all of my past relationships I've dated at least 4-6 months before being comfortable enough to have sex. I start to notice certain personality quirks but toss them aside: -She's naturally rude, and always has a snippy/bratty tone of voice -Acts childish when she doesn't get what she wants. -Only-child, who conveniently has daddy's credit card at her disposal (synergistic w/ the above traits I observed) -Explosively defensive toward any comment that pertains to anything serious between the two of us as a relationship topic ever arises. -Diverts any direct comments I bring up for discussion almost instantly with comments like, “are you a girl?”, “are we really getting into this now?”, “it’s always something with you, isn’t it?”, “oh, really? And so is there anything else you’d care to tell me is wrong with me?”… the list goes on. -Manipulatively answers any serious question that I ask with another question that redirects the aim back at me about a slanted perspective on the original topic. Long-story short, she appeared impossible from the beginning because I am a believer of communication and prefer to tackle an issue as soon as it comes up. I also believe that no two people in a relationship should go to bed angry. She is the opposite, she holds it in, prefers not to talk about something and figure it out on her own. It almost appeared as a gender role flip-flop. I remained patient. I soon found out that she is far from over her ex-bf, in fact she’s still madly in love with him. He texts her on a daily basis with extremely vulgar, derogatory and hurtful messages, the most awful I’ve seen from a person. She blames herself for him dumping her. She also feels that she is not good enough for him because he left her, so she constantly wonders what’s wrong with her to make him do such a thing and hurt her in such a way. This knowledge made a bit more sense as to why she was so deflective toward any serious situation that had come up between her and I. After about 1.5 months, I back off. Within only 2 days, she texts me and accuses me of not caring. I arrange to spend time with her, we go out a few times. She complains that I’m not affectionate with her in public (kissing, etc.). Keep in mind, I’m crazy for this girl so I’ve been holding back because of the knowledge of her keeping her exbf free room and board in her heart still. I open up a bit more and her and I get more serious. Weeks would pass and we’d get so much closer as each day went on. Then another curve ball: She began getting jealous of any girl friend that I had from before I knew her. I acknowledged it, and did my best to respect how it made her feel and remained in contact with my girl friends but made sure I never flirted with them. We’ve met each other’s parents, spent nearly every day and every holiday together. We exchanged gifts for Christmas; she bought me an expensive watch. Call me crazy, but to me all of these are signs that she likes me and is at least interested in being more than a friend. I find out soon after, she had been talking to this new guy from another town where her room mate grew up that they visit every other weekend and go downtown to the bar scene. For the sake of consistency and fairness in the relationship I ask her what’s going on with him and if I should be concerned with her friendship with him becoming more. She snaps back defensively and makes it clear that she and I are not dating, makes it known that I have no right to question her and she definitely doesn’t have to answer to me about who she spends her time with. (Keep in mind, that while she’s telling me this, her room mate is behind her giving me a worried look that speaks to me as ‘be careful’). Turns out she had been sleeping with him. I confronted her about it numerous times and she had lied to me repeatedly. Finally she admits to having slept with him. There was never any time between intimacy with me and the new guy. Some times I’d find out she had just slept with him the night before she’d slept with me or vice versa. There seemed to be a few weeks of peace, and then my birthday approached in February. She prepared and crafted a memorable collage of little moments between us in chronological order and wrote me a really deep sentimental love note to go with it. It was the most amazing gift I had ever gotten from any one. She gave it to me the night before my birthday at midnight (on a Thursday) because she was going with her room mate again to her home town that Friday (on my actual birthday, which I had hoped she’d spend with me). I then find out she saw the new guy again. I began to feel like I was in over my head. I had never been so disrespected in my life, ever. I’ve always been honest and good to those around me so this came as a huge surprise and shock to me, not to mention it really hit deep, emotionally. Repressed resentment began to manifest as I tried hard to shrug this off after my attempts to defend myself and my feelings. One night in February after she returned we were out at the bars and I was drunk and she was being snippy with me for no good reason as expected but this time the unexpected happened. I verbally exploded at her. As we were both shocked, I was by far more surprised. She combatively retaliates and took the time to accuse me of being an ‘asshole’ just like her exbf and that I’m not the nice guy she thought I was. Feeling vulnerable, I apologized for my actions because I felt awful. I had never yelled at a girl before until I met her. She forgave me within a day, much like she would with her exbf except her used to beat her and leave bruises, while reminding me that I’m on thin ice and I should be lucky she’s even talking to me anymore. A few days pass and the intimacy and closeness returned. It appeared we were back to normal. This cycle repeated 3-4 more times from February to May (except she had broken it off w/ the new guy after March and “chose” to be with me. She declared we are finally dating, yet it seemed odd because I never even officially asked her to be my girlfriend) Our time of “dating” lasted about 3 weeks. Her exbf pulls the “I’m going into the military in July unless you give me a reason to stay” card. She drops off the grid for nearly 4 weekends while commuting to class during the week and stayed back with him at his apartment in the city, ignoring both mine and her room mate’s phone calls/text messages. I get a phone call from her exbf on the 4th weekend. Apparently she had been lying to him about me and said we never had done anything serious. He was coming to me for some answers. I told him some of the story. He kicks her out, finalizes the army papers and settles for a date to ship out. She came back to me, but with resentment and a subliminal finger pointed in blame for ruining her chance at true love (she never spoke these words, but she would repeatedly mention how her only chance at true love was lost, not implicating it being my fault at all). End of May we walked in the college graduation ceremony together and moved home for the summer (we live 5 minutes apart). Things have been amazing now that her exbf has been letting go of her, however I’m still keeping an eye out. She and I planned a trip the beginning of July with her best friend and fiancé to Key West, Florida then Hollywood Beach, Florida. We finally understand each other on a whole new level. We’ve learned to cope with our differences. I’ve been seeing a counselor about my few anger outbursts and am learning how to cope with not being able to communicate issues or feelings with her when they come up. Two months had gone by where we had been drinking and there had been no issues. July 2nd was her exbf’s departure date for boot camp. He had been recently dating her ex-best friend and he tells her this the day of his departure. She is a wreck and miserable the entire day for everyone to see. Her friends gave her space and I did as well. We were on vacation together so I tried to keep spirits up and would attempt to talk to her from time to time, only to get responded to with irritable rude remarks. She didn’t want to be around me at night when we planned to go out and have a good time. I went for a walk on the beach by myself and tried texting her a few times to see how she was doing and if she wanted to join me. No response. I went back up to the hotel room and she was on the floor talking to him on the phone. She jumps to her feet and storms past me with unnecessary anger towards me. I blocked her way to the door and calmly asked her to get off the phone w/ him and talk to me. She hung up the phone and dramatically threatened to dial 911 unless I let her leave the room. I refused only to try and get her to realize how emotionally-escalated and unrealistic she was being. She begins to dial. I grab her phone and tell her to please give me a chance, try to talk. She was going ballistic. She started grabbing at me, kicking, elbowing me to give the phone back, so I did – shocked. She charges me to get to the door and knocked me aside, I reacted and grabbed her waist and pulled her back but she’s only 90 pounds and she flew to the floor and hit her head. She started yelling “Help” and “Rape” and told me she “Hates the sight of me” and that she “never wants to see me again” while pounding on the walls. I immediately moved aside, kept my arms to my side and slid down the wall and sat on the ground in shock trying to process what just happened for no reason. I didn’t even hesitate, I arranged to sleep on the floor since we had room with 1 king bed. She came back to the room 3 hours later and slept. We had 3 more days left on the trip. I offered to find a flight back home, she said no and to stay. She ignored me for 24 hours but spent the whole day w/ me on the beach. The following day we were talking fine and like nothing had happened, but I was in a daze the entire time because I hadn’t forgiven myself. I was expecting her to never talk to me again once we arrived back home, but that never happened. We’ve spent every day together since. She invited me to move into her 2 bedroom apartment with her in August. She’s been asking for me to get her a promise ring, one that she picked out from Tiffany’s. If you’re thinking “Wow…” at this point then we’re all on the same page as I am currently today. We’ve been doing well again, but every now and then when I tell her how much she means to me and how I wish she’d let go of her exbf and make room in her heart for someone new, she gets angry and says she’s not ready to let go and is definitely not ready to let me take his place. Just last night she angrily replied “I feel pressured and I don’t like it. And forget the ring I don’t want it. Good night, call me tomorrow” All of her friends and mine as well have commented to me numerous times throughout the last 10 months wondering why I put up with her crap. I didn’t plan on falling in love with her, and I don’t know why I don’t stick up for myself and leave her. I’ve experienced some of the best moments of my life with her, yet at the same time I’ve experienced the worst yet. The good heavily outweighs the bad, at least from my point of view. I only saw a counselor about my anger issues with the repressed emotions that built over time with her. I feel now that there may be a whole different perspective and approach for the counselor to interpret. I’m noticing the length of this message now and wonder if I should even post it, but I think I will anyway. To those of you who have read this far, I truly appreciate your interest and time. Any toughts/suggestions/criticism/helpful hints?

My dog had a mammary tumor...? We rescued a stray dog off the streets and I fell in love with her instantly. Come to find out that she has a mammary tumor. We CAN make monthly payments. I understand this world runs on money but we tried applying for carecredit, my bank, all credit cards..nothing. Our vet can NOT perform the surgery either. Only a specialist and they can not accept any payments plans, only money/credit up front. Not everyone had access to $3000. None of my friends nor family has that kind of money either. Hell, I'm barely making ends meet. I only have money for my bills and food, no extras!!. I'll never give up nor put my baby down to sleep...but what else can I do?? I need to know if there is a vet who can perform this kind of surgery and allow us to make cash payments until the debt is paid off....I will gladly pay for as long as I live...

Paypal Question??? I was trying to link my debit card to my paypal account to speed up check clearence times. I thought i had added it because today a check cleared and completed almost instantly. But today i was looking and it asked me to accept a phone call from them to confirm that is where i receive my credit card bills. Do i have to receive this call to link my debit card and if so why did the e check clear and complete so quickly?

In this instance, can the collections department keep calling me? Okay first my story. I have two credit card accounts with WAMU. In early September I made two seperate payments, what I thought would be one for each account. Pretty soon after that I discovered that I had actually paid the same account two times by accident. I called WAMU and explained what had happened. Despite telling them precisely where they could find the payment to cover the now past due account, and even with CS Rep admitting that she could clearly see two payments on the same account, she still insisted on opening an 'investigation' and wanted my bank account number, time of payment etc etc. I thought this was ridiculous. This also happened to me a long time ago with another bank where I had two accounts and they were able to move the money as I held on the phone. I also worked for a large landline phone company 10 years ago where we could do the same thing instantly, which left me flabbergasted why a company as large as WAMU couldn't seem to do this. After a few days I was called by their collections department and I gave my story again. They could also see the two payments on the one account but again, wanted all my account information, which I did not have at the time as I was at work when they called. In time I simply accepted the fact that obvious payment records and common sense was not going to get my money moved, so I gave them the requested information so they could do their investigation. Since that information has been received and apparently they haven't 'ahem' figured out where the payment has gone yet, I continue to receive collection calls. Any advice on what my rights are as far as them having received my dispute claim and continuing to call?