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A merchant account affiliate program can help turn a nominal profit making website into a phenomenal profit making website. A merchant account in basic terms helps businesses to accept credit cards for payment. A merchant account affiliate program is a network of websites advertising the services of one credit card transaction provider in exchange for large commissions when a new customer is signed. Because the commissions can be quite generous, an affiliate or colleague website can increase a website's profit making potential quite substantially. How does this all work?

The merchant account industry provides all of the equipment to enable a business of any kind to accept credit card payments, either in store or online. Any terminal or swipe device that is observed is probably the leased property of a merchant credit card transaction provider. For a fee, based on the amount of the sale, these companies take care of all the credit card transaction, from approval to payment, freeing up the enterprise to concentrate on other aspects of the business. Because merchant account providers typically cover all aspects of payment possibilities, a check reader, wireless terminal and credit card reader are provided. But any company that wishes to have its message and product offering spread across the Internet is limited by the number of websites it has and thus the merchant account affiliate program is born. With so many people searching today for what they hope is truth, listen to these encouraging words from God's Word. "Then shall ye call upon me and ye shall go and pray unto me and I will hearken unto you and ye shall seek me and find me, when ye shall search for me with all your heart." (Jeremiah 29:12-13)

In practice, a company promoting merchant account services will begin to look for websites on which to place ads for their product. These websites will become affiliates of the merchant account company's marketing campaign. What kinds of websites would be the best candidates for a merchant account affiliate program? Since most companies are fully functioning with a credit card processing company already, the most likely targets will be start up small businesses. So the websites that become prime candidates to be colleagues will be those websites visited by small business entrepreneurs. These will include financial companies, entrepreneurial blogs, web design firms, human resources and benefits sites, loan companies, and perhaps investment firms. This certainly is not an exhaustive list, for anywhere that a potential start up business owner might need information would be a potential candidate for a merchant account affiliate program.

But no colleague company is going to agree to do this out of the goodness of the owner's heart. Affiliates agree to such use of their own website for one reason, and that is to increase profits and cash flow. So the financial agreements reached with the affiliates are extremely important to both the merchant account provider and the companies agreeing that their websites can be used for another company's ads. Because there are many kinds of colleague marketing networks, each has a specific method of paying for advertising space and the resulting sales. For example, networks that are advertising low dollar products will probably have a pay per click agreement with colleagues meaning that each time a site visitor clicks on a link to another website, the host is paid from a few cents to tens of dollars. Other networks are based more on gathering information, and so a pay per action agreement is reached. This means that when a visitor to a website clicks on a provided link portal to another company's website and at that site the visitor fills out an information field such as email address, name and phone number, money is generated for the website host who provided the initial link.

In the case of a merchant account affiliate program, colleagues who agree to carry a credit card service company's ads may be paid in one of several ways. Some service companies may pay on a commission basis. For example, an entrepreneur is thinking about starting a car wash franchise. At the home website of the franchise he is considering, the future owner clicks on a link to a company that provides business loans. While at that financing site he gets all the information that he needs and then sees an advertisement or link to a merchant account provider. Knowing that he will need someone to handle credit card transactions, he clicks on this link and ends up buying the company's services. The financial website that provided the link will receive as much as three hundred dollars for providing the link that made the sale. This simplified example of how a merchant account affiliate program might work is also a model for how all affiliate marketing networks operate.

Any colleague program on the Internet is infused with the idea that good news for someone else is also good news for me. This is especially true when it comes to advertising. Go up- and down the Internet and explore website after website with ads from other companies invading even rival sites. This is based on the same premise that hamburger chains have discovered and that is side by side stores are a good idea, because the close proximity generates much more traffic that each one could separately. In the same fashion a merchant account affiliate program encourages and groups together hundreds of websites that are willing to post another company's ads on their front page. This enables companies to gain name recognition up and down the Internet and perhaps travel into customers' views that could have never occurred otherwise.

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