The Intuit Online Terminal lets you accept credit card payments anywhere you have internet access, and you don’t even have to have QuickBooks. This seamless online credit card processing solution is a great option for small business owners that need to accept credit cards at a small shop on a virtual terminal, on their home PC or even in the back room of the office.

Managing your funds with Intuit QuickBooks is easy, but how about increasing your sales? With Intuit Online Terminal, you get a professional, cost-effective payment processing solution from Intuit that DOESN’T require that you use QuickBooks. You don’t even have to have any additional hardware (though you can take advantage of USB card readers). Best of all, you can access the virtual terminal from any computer with internet access.

The low-cost monthly service fee is perfect for small businesses and startups, and includes competitive transaction fees as low as $0.30 + 1.90% per transaction. If merchants manually type in the credit card information, they can expect a discount rate of 2.90%. But if you integrate a USB card swiper you are eligible for the lower 1.90% rate.

Intuit Online Terminal lets merchants accept any major credit card, including Visa, MasterCard, Discover, American Express, and even JCB and Diners Club. Furthermore, the online payment processing solution will work with your existing business bank account.

Merchants will also enjoy the straightforward pricing: no hidden fees, no long-term contracts, no cancelation fees, and no monthly minimums. And let’s just say that processing credit cards online is 100% better than doing it the old fashioned way (writing everything down by hand and/or using a manual card imprinter and then phoning them all in at the end of the day).

The online interface is extremely intuitive to navigate and use. The Processing Tools include the option to charge a card, reverse a transaction (void or credit depending on when the reversal occurs), or credit funds for a refund. You can also authorize funds and then capture them at a later date. This is particularly useful if you need to have a security deposit or pre-service fee but want to process the actual amount all at once.

Helpful definitions and tooltips are unobtrusively integrated directly into the interface, so you’re never lost if you need a field or button explained. Getting comfortable with the service is straightforward, with practically no learning curve, and Intuit has several additional resources available to explain the process in further detail and explain not just how to process a credit card, but what’s happening behind the scenes.

More than just the ability to process credit cards and get funds transferred to their account in two days, merchants who take advantage of the Intuit Merchant Service Center for comprehensive reporting, transaction tracking and management. Merchants can even email digital receipts to customers. You can search through previous transactions and filter them down by just about any criteria, including customer name, card number, card type, batch ID, transaction type, amount and more.

Rather than checking back in the Merchant Service Center every hour to keep track of funds, you can set up email alerts for whenever funds are actually deposited to your bank account. You can also have a monthly statement emailed directly to you.

Accepting credit cards doesn’t have to be a security risk for merchants or customers, because all sensitive information is transferred and stored securely. Intuit’s site is certified by the TRUSTe Privacy Program.