How To Accept Credit Card Payments Without a Merchant Account

November 11, 2021

When starting a new business, it can be challenging to get the finances in order. One of the things that many companies want to do is accept credit card payments on their website. However, they don't know how to go about doing this without having a merchant account. This blog post will discuss some strategies for accepting credit card payments without a merchant account so you can start generating revenue right away!

What Are the Benefits of Accepting Credit Card Payments Without a Merchant Account?


Allowing credit card transactions will help you gain credibility in your field. Clients will be happier and more satisfied with your business if you give them more options, which will make you happy as well. This will assist your company in growing faster and achieving a stronger market position. It will also help to give your company and your clients a positive image. Accepting credit cards lends legitimacy to your company and can help you build rapport and trust with customers.

Simple Profits

When making purchases, customers dislike wasting time. They want their purchases to be completed as soon as possible when shopping. Having access to a credit card will assist you in this endeavor. Customers who are permitted to use credit cards are likely to be more engaged in their shopping and to view your company favorably. More customers will be drawn to your company's efficient and dependable services due to more convenient payment options.

Conserve Your Time

Accepting credit card payments will save you a significant amount of time if you run an online business. Credit card payments can be authorized quickly, unlike money orders and checks, which can take days or weeks to clear. Accepting credit card payments can help your cash flow tremendously. Even if your sales aren't growing, the convenience of having your credit card sale profit delivered to your bank account immediately will benefit your business.

Sales Growth

If you refuse to accept credit cards, you risk losing hundreds of potential customers who are unwilling or unable to pay in cash. Some people, particularly those who shop online, only use credit cards for specific purchases. People prefer to use credit cards because of the security of the no-fraud guarantee and the rewards points. Customers will be more likely to make more purchases if advanced payment options are available, resulting in higher product sales.

The Disadvantages of Not Having a Merchant Account

Several disadvantages come with not having a merchant account.

  • You will not be able to process credit cards
  • Your business may have trouble getting loans from banks
  • Your company will not be able to take advantage of discounts offered by many companies when they offer special rates for companies with merchant accounts
  • You won't be able to provide the best customer service because you are unable to accept payments in person or over the phone
  • Your customers may feel uncomfortable paying by cash if they don't know how much their purchase is worth, and it's difficult for them to keep track of what they owe you once they've paid you back 
  • Other companies may refuse to do business with your company because, without a merchant account, it's difficult for them to get reimbursed for any transactions made on your behalf

When Should You Get a Merchant Account for Your Business?

If your business is currently dealing with any of the above issues, now might be a good time to consider getting a merchant account. This process will take some time and costs money, but it's essential for making transactions more manageable and more efficient within your company. Additionally, having a merchant account can help grow your customer base because people are always looking for new places that they can use their credit cards at. You'll also have access to special offers from other companies once you open up this line of communication between yourself and them, so it's best to get started as soon as possible!

How Do I Find the Right Merchant Account for My Business Needs

Depending on what they can offer your business, merchant services can and do differ between providers. Others may provide end-to-end payment processing services, while others may only handle merchant accounts. The best merchant services providers should handle all or the majority of a company's needs. Rather than coordinating tasks, you work with a single provider from the beginning to the end of each payment. A provider who can "do it all" can benefit your company now and in the future. They can also help you with some of your day-to-day tasks as a business owner by streamlining and automating them.

What Else Distinguishes the Top Merchant Services Companies?

  • Excellent customer service that prioritizes security is a winning combination
  • Offers with a High Return on Investment Flexibility

Selecting the Best Merchant Services Providers

Examine your current and future needs to compare the best merchant services, providers. Make a list of features that are important to you and your company. Your top concerns should be addressed, whether they are communication, reliability, extra features, price, or a variety of other factors. As you look for providers for your company, keep that list handy.

What Is the Best Way To Start Accepting Credit Cards in Store or Office?

The best way to start accepting credit cards in your store or office is by getting a merchant account. This will allow you to accept payments from customers and track them and offer more payment options (credit, debit, etc.) than cash and check only. The right provider can handle all of your needs so that you don't have to worry about processing every transaction on your own!

A merchant services company should be reliable, secure with all required licenses/certifications, transparent with their fees, so there are no surprises later on down the line, experienced in handling business transactions for multiple companies over time since they're not just doing this part-time but full-time like yourself!, able to provide customer service throughout the process which includes educating you on the process and how it works as well as taking care of all your needs, able to handle multiple transactions at once if needed (which is better for high volume businesses), etc.


If your company needs a merchant account, now is the time to start looking for one. Make sure you do your research and find out what each provider can offer. Don't settle for just anyone because you might regret it later on down the line or even sooner, depending on their services/experience with business transactions, etc. With so many options available in this industry, there's no reason why you shouldn't get started right away by finding a reliable and trustworthy provider who can meet all of your current and future business needs today!

Contact BNG Payments to learn more.

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