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barry
Posts: 742
Joined: 6/26/2002
From: Baltimore, MD
Status: offline
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Bankrupt Client Needs Mechant Acct - 3/22/2003 18:57:47
Hi Everybody,
I have a client that I did a site for that has a bankruptcy within the past 24 months, (ex Enron employee that lost the 6 figure salary  ).
She is having problems getting a merchant account for me to plug into the storefront software. Any ideas?
Does anyone know of gateways that have lower credit standards than banks?
Thanks,
Barry
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abbeyvet
Posts: 5095
From: Kilkenny Ireland
Status: offline
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RE: Bankrupt Client Needs Mechant Acct - 3/22/2003 19:14:48
Try www.2checkout.com, or www.paysystems.com
That is to say 3rd party processors, they don' t care much who you are or what your status is in that regard.
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Katherine
:: InKK Design :: InKK Domains
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Mojo
Posts: 2431
From: Chicago
Status: offline
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RE: Bankrupt Client Needs Mechant Acct - 3/25/2003 12:10:20
I did the development of a site last fall and the person had very bad credit. It was difficult getting them a good deal on a merchant account. Actually, it was impossible. Getting less than 2% discount is just not going to happen with bad credit.
I ended up having them go to www.charge.com. They did get an account, but they had a $5000 per month limit. Eventually, they applied at many different merchants and ended up having 3 different accounts. Each having a $5000 per month limit and on 1 of them they had a 5% reserve.
This made having a purchase go from the shopping cart to the gateway almost impossible. I ended up making a batch upload program for them (which I had done before and prefer to auto-processing) so they could choose which of the 3 accounts to send the charges through.
Really, it was a pain - but it has worked out for them. I think they have since had their limits increased after they had 6 months of " good behavior" on their accounts.
Anyhow, I hope this give you some ideas. Otherwise, Katherine has some nice links. You could always go the PayPal route, but you will loose a lot of sales I think.
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Chicago Order Fulfillment
Emergency Kits
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Eli
Posts: 2658
From: ... er ...
Status: offline
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RE: Bankrupt Client Needs Mechant Acct - 3/25/2003 12:24:30
This is a timely post for me - thanks.
i' ve been looking at http://www.2checkout.com/ as Katherine suggested - looks good but I' m concerned because my client is from the UK - are there any UK based systems like this or isn' t' it nessesary?
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bobarnowitt
Posts: 47
Joined: 12/3/2001
From: USA
Status: offline
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RE: Bankrupt Client Needs Mechant Acct - 3/27/2003 15:34:29
Hi Barry...
A contact of ours does merchant accounts. I mentioned the bankruptcy issue and he didn' t seem to think it would be a problem--although there are other factors that are considered.
He' s a good guy. The name is Dan Palmer, the company is Nationwide Payment Solutions. The contact info follows:
voice Mail: 877-290-1975 x-320
Direct: 508-778-9541
Cell: 508-776-7627
Email: dpalmer@NPSemail.com
Good Luck!
(Tell him Bob from First Capital referred you. THANKS)
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