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Clarity

Phillip Parker

Austin, TX

Phillip is the creator of CardPaymentOptions.com, a top credit card processing resource for over a decade. He is also the author of "Fee Sweep - How to Accept Card Payments Without Getting Scammed,"

Phillip's topics of expertise include:
- Credit card processor selection.
- Processing cost optimization.
- Payment integrations.
- General card acceptance advice.

Topics that Phillip cannot consult:
- Working in credit card processing.
- Starting or creating a payment services company or technology.
- Accepting card payments outside of the United States.
- Non-U.S.A.-based businesses of any kind including those conducting business within the U.S.A. but based off-shore.

$6.67/min

56 Calls

17 Reviews

25 minutes
Avg. call

Payments E-commerce Credit Cards Mobile Payments Electronic Payments Payment Systems Payment Gateways Payment Card Processing Payment Processing Merchant Services

Call me to talk about

E-Commerce Payment Processing

Phillip is well-versed in e-commerce payment acceptance. He can assist with selecting processing and advise on intergrations.

Merchant Accounts & Payment Card Acceptance

Phillip has nearly a decade of experience in the merchant account and payment card acceptance industry. First, as an independent sales agent working with several merchant service and payment gateway providers, and later as the the founder of CardPaymentOptions.com (CPO). As the founder of CPO, Phillip has reviewed and rated over 500 different service providers in the elecronic payments arena. The goal of CPO is to help small business owners find excellent providers who serve their needs well and to expose the providers that in engage in deceptive and predatory business practices.

Mobile Payment Processing

Phillip has the covered the mobile payments industry since its inception. He can guide you on virtually any mobile credit card processing topic.

"High-Risk" Payment Processing

Are you having difficulty finding a merchant account provider that will accept your business type? Phillip can help you determine if your business will qualify for credit card processing and help you select a high-risk payment processor.

Answers 8
Reviews 17

Answers

Phillip Parker answered

How do I setup my tour agency's bank accounts in multiple countries?

Hello,

I believe that you may be over-complicating this a little. Typically, you need to have either citizenship or some other legal presence within a country to open a checking account within it. I would recommend establishing accounts in your own country first and then using ATMs in other countries to withdraw money, as "wiring" money internationally can be expensive. If you just need to pay for expenses while abroad, look instead into using credit cards that have no foreign transactions fees such as the Capital One Venture Card. If you really need accounts in multiple countries, you will likely need to incorporate within them.

As for accepting payments in different currencies. Your best bet will probably be 2Checkout or Stripe Atlas to start. Stripe Atlas will probably have lower fees but will take more technical expertise to get up and running. Best of luck to you!

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Banking

Payment Systems

International Business

Phillip Parker answered

For you digital marketing / SEO / PPC guys out there, how do you bill your clients? Authorize.net or Quickbooks? Or something new on the market?

Hello,

With your business type, I would imagine that you are keying-in most of your payments or that your costumers are keying-in the information themselves. There are several options out there that are better than Quickbooks and Authorize.net, and have comparable fees.

For example, the I would recommend one of the following methods or a combination of the: 1. A virtual terminal where you will collect and enter the payment information yourself, an invoicing service that will send the invoice and direct the customer to a payment page, or a "buy now" type button that you can put on your website and direct customers to enter in their payment information.

I would need more detail about your business before I could start giving specific recommendations. Feel free to schedule a call with me if you wish to find a solid solution.

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Quickbooks

Payment Card Processing

Phillip Parker answered

How can I test payment models for an app without having a company to get an account with payment processors such as Stripe?

If I understand your question correctly, you could test with Stripe or PayPal without any extensive development, cost, or commitment. Otherwise, you could just use a secured form to test conversion.

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Payments

Payment Systems

Payment Card Processing

Phillip Parker answered

What does clarity do really well? And what could clarity improve on in the future?

-- It would be nice to able to customize the color scheme and size of the embeddable widget.

-- Option to Include star rating in embeddable widget.

-- Select that you are "Available Now" and have the widget and website reflect such. This way, someone can ring you up the moment they are wanting to talk, or schedule a call for later.

-- Option to remove Clarity branding from embeddable widget.

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Business Strategy

Clarity

Phillip Parker answered

Which is the better platform to run an ecommerce site - Wordpress or Shopify?

You are correct in your assumption that Shopify is a more turnkey solution. Although Wordpress has become a very versatile content management system, it is not a great solution for a novice.

Here's a review that I wrote about Shopify, if you are curious: https://www.cardpaymentoptions.com/credit-card-processors/shopify/

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eCommerce

Phillip Parker answered

High-Risk Merchant Payment Processing: How to work with ISO's offering card processing.

Simply reach out to a high-risk processor and has them if they will pay you for referrals.

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Merchant Services

Payment Card Processing

Credit Cards

Phillip Parker answered

What is the process for PCI-DSS compliance for a mobile payment app?

If you have chosen a credit card processing provider, they should be able to walk you through the PCI-DSS process.

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PCI DSS

Mobile Payments

Phillip Parker answered

How do I accept international payments in my app?

Stripe Atlas may serve this need.

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Payments

Mobile Payments

Payment Gateways

Reviews

Efficient & great resource for evaluating payment providers and negotiating rates down.

Anton Klingspor Source: Clarity

Phillip was great! Concise and able to provide a solution to our problem! Highly recommend.

John Martin Source: Clarity

Please send the email
And “cc” me in it. Thank you.

Tyler Franklin Source: Clarity

Very helpful conversation.

Roberto Avila Gonzalez Source: Clarity

Phillips industry insight was very valuable for me, great advice given, thanks!

Patrick Linden Source: Clarity

Philip was a pleasure to with. He was a great listener and respectfully addressed all my questions and concerns. I would highly recommend him.

Kent Parks Source: Clarity

My short call with Phillip has saved me sleep and a lot of unnecessary decision-making. He is calm, kind, knowledgeable, and clear with his explanations. I learned and left the call equipped to make a clear decision.

Clara Chorley Source: Clarity

Our company was placed on the MATCH List about 5 months ago. Phillip is the only person I could find on the entire Internet who actually understands the frustrations that Merchants face by simply trying to run an online business.

Thank you

Chad Langley Source: Clarity

Very helpful call and provided good guidance for how to accept online payments in an international setting.

Source: Clarity

Phillip has an encyclopedic knowledge of credit card processing. He brings clarity to a very confusing world.

Ed Bemis Source: Clarity

Phillip's knowledge was deep, and advice and guidance very helpful!

Kevin Whelan Source: Clarity

Member since April 2015