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Credit card payment

Discussion in 'Business Fundamentals' started by dinosaur, Jul 28, 2016.

  1. dinosaur

    dinosaur Junior Member
    from SE PA
    Messages: 18

    I've seen some older threads on this, but since things change over time I thought I start a new one.
    I had a customer (post office) that could only pay via credit card on a timely manner, but with the monthly fees when I'm not using it, it made it financially unfeasible, so I'm looking for another service.
    So what's out there for a credit card swipe that doesn't juice you in fees? I only use it for plowing (I don't do lawn work so it's just snow removal).

    And if someone is in my area and already have the card swipe, and looking to pick up a small post office for snow/ice removal, let me know and I'll send you the info (trust me, I don't mind turning this work away).
  2. jdsquire

    jdsquire Member
    Messages: 58

    If you've got an iPhone, they have a free app and free card reader that you can get and link to a bank account that lets you collect from credit cards. It's called the square.
  3. Mr.Markus

    Mr.Markus PlowSite Fanatic
    Messages: 5,779

    Makes you want to buy 1 stamp and put it on your cc... for that one customer that doesn't want their bill emailed to them.
  4. JMHConstruction

    JMHConstruction PlowSite.com Addict
    Messages: 1,722

    I use the square reader. It charges a percentage of each payment instead of monthly. It uses your phone or tablet like mentioned above. I charge a "convenience fee" (about 1% higher than what square charges me) that is in my contract. Most people who are using the card don't mind, those who do can write a check.
  5. iceyman

    iceyman 2000 Club Member
    Messages: 2,925

    Square is easiest way to go
  6. Mark Oomkes

    Mark Oomkes PlowSite Fanatic
    Messages: 13,236

    Do you actually have to swipe a card? Most of ours are over the phone.
  7. iceyman

    iceyman 2000 Club Member
    Messages: 2,925

    Yes and no.. U can manually input the cc # but it then charges you a small convenience fee.
  8. Mark Oomkes

    Mark Oomkes PlowSite Fanatic
    Messages: 13,236

    Define small.
  9. JMHConstruction

    JMHConstruction PlowSite.com Addict
    Messages: 1,722

  10. JMHConstruction

    JMHConstruction PlowSite.com Addict
    Messages: 1,722

    It jumps up a little. I don't do much business with cards (mostly checks) and I charge 3.5% convenience free whether it's keyed in or swipe. You may want to add to that. No one using a card has complained too much.
  11. LapeerLandscape

    LapeerLandscape 2000 Club Member
    Messages: 2,247

    I went from a service provider (merchant services) to a square and will never go back. I get a report every night (after midnight) with a breakdown of my sales and then another email that shows the deposit, the weekends are an exception. The other provider kept adding fees and such that just killed me, they had a $25. statement fee among many others. I can use the square in the office or mobil, swipe the card or key it in manually and it lets you know when you manually key it in that its a slightly higher rate.
  12. Whiffyspark

    Whiffyspark 2000 Club Member
    from SOMD
    Messages: 2,403

    I use stripe or through quick books.
  13. dinosaur

    dinosaur Junior Member
    from SE PA
    Messages: 18

    Thanks for all the replies, square it is. Even though all the ads I see say Square is "free", just didn't want to get stuck with more monthly or non-usage fees.
    I already add to my bill, the cost of credit swipe fees, so no change there.
    When the post office was done via check, the invoice was submitted at end of every month service was provided and payment was received in July!! With the card, I submit at end of month and show up at the main office a day or two later and get paid!
    Now if I could only find a place for the snow without burying the neighbors garage, I'm set!!
  14. MajorDave

    MajorDave Senior Member
    Messages: 968

    Agree...I always charge 3%.
  15. Eric7a

    Eric7a Junior Member
    Messages: 3

    For my business, i use flint, no monthly fees, flat rate (3%), and have never had an issue. Since earlier this year it had to be linked to a stripe account, but the process is pretty simple. If anybody insists on paying with a card, I let them know there's an additional 3%, most don't care. Swiping a card, or typing it in, is the same cost.