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Credit cards?

Discussion in 'Introduce Yourself to the Community' started by akbob, Dec 26, 2008.

  1. akbob

    akbob Junior Member
    Messages: 2

    I just started plowing on a part-time basis and had a couple customers asking if I could take credit cards for payment. Seems like that might be a good way to go, but not sure how to do that. Any advise? Does anyone else take credit cards?

    This is my first post, but this site has been very helpful so far!

  2. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Go to your bank and ask for a name of a cc merchant. But if it's only for the now and then cc it may not be worth it. A lot of them have monthly fees if you use them or not.
  3. festerw

    festerw Senior Member
    Messages: 986

    Talk to your local bank about service and fees or if you invoice with Quickbooks you can use their service. It will cost you money to do it a monthly fee and a transaction charge.
  4. PowerWagon

    PowerWagon Senior Member
    Messages: 188

    Not worth the time and stress with Credit Cards..

    ask for check and take it to bank right away no later than 2 days.
  5. plownoob

    plownoob Senior Member
    from ny
    Messages: 128

    Sign up for paypal merchant account. Discount rate is kinda high, but worth it if you don't put through that much volume. If you start putting through a lot of volume, then go with a traditional cc processing company.
  6. MIwinter

    MIwinter Member
    Messages: 42

    if you already have a paypal account (FREE) give them your paypal name and they can pay it themselves online, visit www.paypal.com all they do is enter your email address and put their card info and amount and its done they dont have to have a paypal account to pay you either.
  7. I have a credit card terminal for my other business, but I echo the suggestion to use Paypal as a way to accept occasional payments via credit or debit cards.
  8. citywide

    citywide Junior Member
    Messages: 27

    I like www.propay.com you can accept credit cards on site by calling them into an automated system or you can do it online.
    Last edited: Dec 26, 2008
  9. TCLA

    TCLA 2000 Club Member
    Messages: 2,696

    We take cc payments. We will also pass on the 3% transaction fee to the customer if they choose this method.
  10. While not illegal, this is against credit card company regs. and may be enough to have them cancel your merchant account.
  11. TCLA

    TCLA 2000 Club Member
    Messages: 2,696

    Is that right. Didn't know that........I'll check into it.

    Thanks bro.
  12. plownoob

    plownoob Senior Member
    from ny
    Messages: 128

    There's so many ways around this. You basically can't tell your customers if you use credit cards, you have to pay 3% more. What you can do to get around this is by adding a "convenience charge" for using credit. You can also raise your prices 3% and offer 3% off for using cash.
  13. pongow26

    pongow26 Senior Member
    Messages: 153

    Do a search there is sofware out there that will let you recieve cc apyments without all the hassel of getting a merchant account. I agreee wit hthe paypal idea thought thats probly your best bet
  14. sk187

    sk187 Senior Member
    Messages: 319

    The easiest way to do it on a part time basis is to get Paypal virtual terminal.

    It costs $30 a month to use and is tied to your paypal account which is tied to your bank account.

    I just type the CC number in my laptop and paypal does all the work and the money instantly goes in your bank account.

    You can also print them a receipt for there records and yours.
  15. akbob

    akbob Junior Member
    Messages: 2

    Thank you to all that responded! I will check out the paypal solution as that seems like the way to go for my current setup.
  16. basher

    basher PlowSite Fanatic
    from 19707
    Messages: 8,990

    Call it a Administrative fee. CC companies don't cancel your merchant account unless they are forced to.

    I find CC are the way to go. All my driveway customers HAVE to give me a CC # for billing there is a plave to fill it in right on the contract. It means I can do the work @ 2am and be paid at 8am with out ever talking to the customer. It means if they pay the neighbor kid to do the driveway I get paid anyway. It means I never get screwed by the non-paying customer. We insist on one for "one shot" drives as well. Means I never have someone drive to a job to find it already done when they get there. We bill the card immediately an tell them so. Works well and I just figure the 3% as a cost when I price jobs.
  17. harddock

    harddock Member
    from mass
    Messages: 67

    Actually, just set your rate 3% higher and offer a 3% discount for cash. I would use PayPal unless you have a business currently set up for Cc use.
  18. scottL

    scottL PlowSite.com Addict
    Messages: 1,600

    If doing paypal for the clients ease of doing business then tell them the truth that paypal has processing fees and take on $1.50 to a $25 bill.