Internet Credit Card Processing with a virtual terminal and payment gateway requires agressive fraud controls than retail credit card processing because the credit card cannot be verified like you do with a retail merchant account. For this reason it's very important to deal with a company that specializes in internet transactions and Internet Merchant Accounts. An Internet Merchant Account does not require a shopper's signature and has requirements beyond a typical Payment Gateway.

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African American Expressions, now the largest black-owned greeting card company in America, began as a single product company selling ethnically sensitive Christmas cards in three designs.