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Credit or cash ?

Discussion in 'Commercial Snow Removal' started by doo-man, Oct 22, 2009.

  1. doo-man

    doo-man Senior Member
    Messages: 387

    Ok, I used the search function and only found 1 previous thread about credit cards, do any of you take credit cards? I was looking into it so I dont get burned this year but would like some feedback. I will not be accepting checks during the season unless I have pre qualified them first! So it's looking like Credit or Cash for me this season what about you guys ???
  2. Turf Commando

    Turf Commando Senior Member
    Messages: 567

    I take cash and checks all the ones who wrote me one were all good, never met these people prior to plowing their drives....
    Credit cards isn't an option for me ....
  3. MeeksCo

    MeeksCo Senior Member
    Messages: 214

    I never had a bad check given to me.
    If you're worried about it, make sure you put a return check fee of, let's say, $30, on the contract, receipt, or on whatever you give them.
    Credit card companies charge you a percentage, annual fee, this, that, and the other.
    Cash and Check, man.
  4. kickin'a

    kickin'a Member
    from Iowa
    Messages: 58

    Check fees are not collectable by law in most if not all states, unless the person writing the check signs a stamp you put on it saying they will pay the service fee if their check bounces. Trust me been down this road before, most people you can use the scare tactic with to convince them to pay, BUT if you take them to court your only allowed to collect the amount of the check only. Most of your local Police will actually help you file theft charges for the check, they do in our town. Once you have them served by the police most people will panic and get you cash to clear it up. If not you have judgment against them.
  5. Jay brown

    Jay brown PlowSite.com Addict
    Messages: 1,783

    we get checks form $5k all the way up to $50k and never had a problem....if a contractor wouldn't take a check from me i would just say your not getting paid then....as far a credit card goes i don't own one and i will NEVER accept them in my biz....credit cards are the devil lol.......however i would take a debit card
  6. CGBear

    CGBear Junior Member
    from Chicago
    Messages: 29

    In God we trust, all others pay cash!
  7. timberseal

    timberseal Senior Member
    from 46385
    Messages: 247

    we take cards but rarely bill any for plowing. most commercial mails in a check. on th rare occassion I bill a card it's often a one timer resi
  8. LoneCowboy

    LoneCowboy PlowSite.com Addict
    Messages: 1,760

    For me, if the check bounces, they get one call to make it right and they always have. (stuff happens, I understand that). Of course, they are then on a cash basis for a while til they "prove" themselves again

    But I have found out that the police are very happy to go after people.

    Check fraud is a FELONY!!!!!!!!!!!
    It's a serious crime and it's relatively easy to prove.
  9. fireside

    fireside Senior Member
    Messages: 726

    i had a bunch of driveway coutomers ask last year about billing there credit cards. but after all the fee's it would cost me around 12% to make there lifes easier. so check and cash only. i have only had one problem and they went bankrupt.
  10. forestfireguy

    forestfireguy PlowSite.com Addict
    Messages: 1,276

    We take credit cards for landscape maintenance and design stuff, since we only plow commercially it's really not even a topic. We have however started to take a credit card for "security" on new residential lawn customers, they sign an agreement that any balance out more than 60 days is automatically charged to the card, of course they may give us a bum card or dispute it, but really it's rarely used and weeds out potential bad payers, as most of them decline signing it, and then we decline them as a customer. Really simple. In this area we've had many residential clients playing musical landcsapers, a couple months with one or another and when service is suspended they just switch providers. PEOPLE SUCK!!!!!
  11. Pennings Garden

    Pennings Garden Senior Member
    from VA
    Messages: 242

    We accept credit cards and on our retail end at least half of the money comes in this way, there fore it is allot cheaper for us to process credit card then if you would only process 2 or 3 a week. And trust me it costs us nowhere near 12% to process them, but again that is due to volume.
    When I have a problem with a customer and them not paying their bill, they have a choice after that, they can prepay in cash or I'll hold a credit card and will automatically check if funds are available before service is preformed and the will be charged within 24 after service.

    Cash and checks are not free either, that has to be brought to the bank (and your time is money, Right?), and bounced check that are not collectible..., it might not be as much a a couple of % the credit card company takes but they deposit our money in the account 5 days a week with me doing anything!
  12. Premier

    Premier Senior Member
    Messages: 274

    <!-- Begin PayPal Logo --><A HREF="https://www.paypal.com/us/mrb/pal=EN2AL7LG36N4A" target="_blank"><IMG SRC="http://images.paypal.com/en_US/i/bnr/paypal_mrb_banner.gif" BORDER="0" ALT="Sign up for PayPal and start accepting credit card payments instantly."></A><!-- End PayPal Logo -->

    We use paypal, it works out very well for us, It is cheeper than having a credit card machine, It links up to our website with no hasles. you can even invoice out as one of there services.
  13. asps4u

    asps4u Senior Member
    Messages: 543

    I offer to accept credit cards and do so through PayPal as well, and I offer for customers to pay me through PayPal if they choose. I've yet to have anyone choose to go that route, but it's available if they want. Everyone seems to prefer to pay with check, and all my contracts (even per push) are paid up front, so I know if the check is good before I ever drop the blade at their property.
  14. deicepro

    deicepro PlowSite.com Addict
    Messages: 1,124

    Most people are good with checks. The ONE bad check that I had I gave the lady 1 week to get me cash. Well, she took her time, and I waited past the week to see if she would call or something. No call. The next time it snowed I pushed all the snow in her drive up to the garage door being careful not to touch the door. After she woke up she called the cops:nono: and they called me, I told them that she did not pay and I was just giving her the snow back:nod: So I called her and told her that I would do the same thing next time it snows until she paid me. She paid me the next time when I was sitting at the end of her drive ready to do it again. It was a PITA, but fun!!
  15. plowguy43

    plowguy43 PlowSite Fanatic
    Messages: 5,281

    Google also offers a credit card service and has lower fee's than paypal.
  16. mercer_me

    mercer_me PlowSite Fanatic
    Messages: 6,371

    Most people pay me with cash and some pay with checks. I have never had any problems with bad checks.
  17. Premier

    Premier Senior Member
    Messages: 274

    :nono::nono: I can see where you are comming from, but lets think about this for a min.... a happy customer will tell ten people, a pissed off customer will tell 100 people, she was wrong for giving you a bad check, you were wrong for being unprofessional. Those kind of actions give us a bad rep..

    enough said.
  18. BMWSTUD25

    BMWSTUD25 Senior Member
    Messages: 631

    Should be accepting credit cards within about the next 30 days. Cant wait! I see it as an advantage to be able to run credit card/debit cards for services like lawn and snow as well as other larger ticket Items. Sure you loose a few percent but if it increases sales its well worth it.....


    Advantage 1- by billing on a card (debit or credit) your bill for lawn or snow goes right in with everything else they use that card for. They are less likely to get sticker shock when they see large bills for the month if they have been paying weekly with a card that gets automatically run after every service (assuming you had them sign an agreement so you can do this)

    Advantage 2-you give someone an estimate on something they really need done, its a little more than they have in their wallet so they decide to have project X paid for with their credit card. Now YOU GOT THE JOB!

    Advantage 3-we now finally work with New York State Contracts and as almost any State or Government account goes you can either be paid on the spot with a credit card or wait 60-90 days for an actual check to show up and pay the invoice. If it snows Dec 15 and that gets billed on Jan 1 and he receives the bill on Jan 3 I can now run the card and have the money by Jan 5. If he makes a voucher and sends it on to the state it goes from desk to desk till about the end of Feb or early March when I get a check. I think I'll take my money as soon as I can get it! payup
  19. ColumbiaLand

    ColumbiaLand Senior Member
    Messages: 790

    We take credit cards for the landscape side, we also for snow. It works well for us because we have a really low rate 2% from our local bank and we have a portable machine that runs off a cell phone signal so we can go right to the customer and process it in their driveway, we swipe their card they sign the screen and it prints their reciept! We also accept it because one of the large companies that we work for has payment terms of 60 days unless you take a credit card so it is much better for us to get paid that day than to wait 60 days when you have 1000's on the line. We have found ourselves using it more and more.