Credit Card or Check Advantages
Is it better to accept credit cards or checks online?
Accepting credit cards and checks on-line both have advantages.
Credit cards are generally the most widely used payment choice for on-line transactions. Therefore, accepting them means you open up your business to the widest possible market of buyers. Consumers like credit cards because they are secure, offering an easy means of protecting themselves from unscrupulous merchants. Plus, they have the obvious advantages of allowing merchants to put a purchase on credit while lending increased credibility to your business.
On the other hand Credit Cards are secure and easy to use but pose high interest rates and fees if paid late. If its a Debit Card/Credit Card then you have the advantages of debit use which is automatically deducted from your bank account.
On the other hand, checks continue to be the most popular form of payment in the off-line world, and are increasingly popular on the Internet. In 2001, $11.5 billion was processed from Web sites through the Automated Clearing House, 54 million items, and the number is growing fast. Millions of U.S. households do not have credit card accounts, so selling to this group means providing checks as an alternative.
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