Aramor Payments Offer E-Commerce Web Sites and Online Merchants Alternatives to Credit Card Payments

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More Americans are choosing to not use credit cards for online purchases.

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"With more than eight million Americans not using their credit cards, our products provide a safe and cost-effective solution to online merchants who want to offer another payment option"

As many Americans tighten their belts on their personal budgets, they are choosing to not use credit cards to make purchases on Web sites. In fact, over the recent holiday season, credit card usage was only at 28 percent - the lowest it's been since 2002. With so many consumers not reaching for credit cards, e-commerce Web sites need to find payment alternatives that let consumers use their personal checking accounts to pay for goods and services.

"People still want to make purchases," said Maxwell Morgan, CEO of Aramor Payments, "but they don't want to use their credit cards. As a result, we are partnering with merchants to offer online check payment options through ACH processing and Check 21 - products that deduct money directly from a consumer's bank account."

ACH processing is a secure method that allows e-commerce sites to obtain funds from a person's bank account. It's usually cheaper than credit card processing and integrates well with a merchant's current software.

Check 21 is another form of payment processing that expedites the check-clearing process. Through Check 21, a photo is taken of the check and sent electronically through banking systems, resulting in faster payment and notification of returned checks.

"With more than eight million Americans not using their credit cards, our products provide a safe and cost-effective solution to online merchants who want to offer another payment option," said Morgan. By accepting online check payments through ACH or Check 21, merchants can reach a wider customer base, which may help increase sales while decreasing their risk for fraud or nonpayment.

"Online check payments are no longer a trend," Morgan continues. "It's a permanent fixture to help connect e-commerce sites to a larger portion of their customers."

E-commerce sites interested in learning more about Aramor's online check payment products can call toll-free at (866) 611-8353 or go online at http://www.aramorpayments.com.

Aramor Payments is an industry leader in electronic payment services encompassing ACH processing, Check 21 and Interac in Canada, in addition to a host of recurring billing solutions. Based out of Toronto, Ontario, Aramor Payments specializes in consulting and implementing payment systems for global companies with its primary focus on providing solutions for companies that need traction in North America. For more information on Aramor Payments, visit http://www.aramorpayments.com

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