Research shows that many small/start-up Internet businesses fail because of high credit card processing costs.  We have a detailed listing of the best online credit card processing services to-date which don't require you to have a merchant account to accept credit cards, and these little-known credit card processing services, are actually fairly large companies, in which by having an account with them is FREE, and the credit card processing/debit fees are only about 1-2%, compared to ridiculous fees most widely known processing services that charge upwards to 20-40%. 

In fact, these services often go unnoticed because when somebody performs a search on a search engine or major major directory for credit card processing services, all they really come up with when searching are high-cost merchant account providers which had manipulated their way to be within the first set of the initial results of the search.  We've seen it all!  They charge hundreds, even thousands of dollars for merchant accounts, requiring an average contract of 4 years, and we have seen 3rd party online credit card processing companies that by having an account with them is FREE - LOW COST with no requirements of any kind, but their credit card processing rates are through the roof, making it impossible for any small Internet business to see any real profits from their hard work.  Come on...  We are taking the mystery out of online credit card processing to benefit all small Internet Businesses.

The major online merchant account providers are the problem, and we are the solution!

We've designed this website for the small Internet Business Start-up owner in mind.  We believe that the Internet should grow, allowing everybody a chance to see profits from their online business, and not become another failed business due to high credit card processing costs.  Just remember, the high-cost processors are the ones making the money!!!  We, ourselves, as a company can speak out of real-world experience.  In the beginning, we were with a couple of fly-by-night Internet credit card processing companies.  We lost thousands.  They seemed large and well-known on the Internet at the time, but behind the scenes you just don't know.  We've opened merchant accounts and tried all types of online credit credit card processors which didn't require you to have a merchant account.  Again, we lost thousands.  Gee wiz...  We were with one company that would hold our money for a month at a time.  Our biggest month came around, and we never received the money.  The website wasn't there any more!!!!!!!  You see, that's what this website is all about!  To provide you/your online business with the best credit card processing resources available on the net!

Now, we've got the best resources at hand; through trial and error, and I mean error! The owners and the dedicated information research staff at H.I.R. have acquired the most efficient, and essential E-Commerce resources any small Internet Business needs to accept credit cards efficiently on the net at extremely low CC processing costs.  The online credit card processing services we feature in our information packet are the best on the net to-date.

The account(s) are FREE to open, and they only charge you a minimal fee of 1-2%, some upwards to 5%.  These are the best.  They don't require you to have a merchant account, and they accept EVERYBODY.  The great thing is, you receive the money within 72 hrs, rather than once a week, or twice a month.

Why GIVE somebody hundreds, even thousands of YOUR hard-earned dollars!  They didn't do any work, you did!  You're the one that should keep ALL OF THE PROFITS!

If you run, or plan to run an Internet business, than you NEED this credit card processing resource packet.  This will be the most valuable asset that your company will own!  You will possess the most valuable E-Commerce resource tool on the net, something that we did not!