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FORUMS Photography Talk by Genre Sports Talk 
Thread started 18 Feb 2013 (Monday) 16:29
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T&I Team sports questions

 
Grumpy_one
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Feb 18, 2013 16:29 |  #1

Just landed a contract and have several questions. My first one is:

For those of you that do CC's, do you do swipe or just written on the order form?

And if you do written, how does that get transferred into your accout? I'll be talking to the bank in the mean time.

More questions later as they pop up, thanks.


I shoot Canon's
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RSB
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Feb 18, 2013 23:07 |  #2

We have credit card slips at the field, parents fill them out and place them in the order form just like a check. When we pull the orders at the office, we write the team code, camera, and sequence number form the envelope so we can come back to the order if there is a problem. Once we have finished with all of the envelopes, we input the credit card data to Virtual Merchant, a web portal provided by Elavon, our card processing company, which we set up through Costco. Some of the best rates out there, no terminal, and only a $5 per month charge for Virtual Merchant.The money is posted to my checking account in 24-48 hours.

Your bank might be able to open a Merchant Account for you, but I strongly advise you to shop diligently, as fees and rates vary dramatically.


Randy Brister, Cr.Photog.

  
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Grumpy_one
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Feb 19, 2013 09:42 as a reply to  @ RSB's post |  #3

This is going to be for just one league right now, not a monthly thing so I'm hesitant about a monthly fee. If I were talking CC's year round and I would look into something like what your talking about. Hopefully soon. Thanks for the input.


I shoot Canon's
1DX II, Canon 7D Gripped, 5D3, 24-70L II, 70-200L 2.8 IS Mk I, 85 1.8, Pocket Wizard II triggers, assorted speedlites and modifiers, 580EX, 580EXII, YN560's (6 or so) 50 1.4, t/c 1.4 MkII
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tmalone893
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Feb 19, 2013 12:30 |  #4

We use Square but you have to have wifi or use your phones internet service. 2.5% per swipe and no monthly fees.


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Grumpy_one
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Feb 19, 2013 12:54 as a reply to  @ tmalone893's post |  #5

Just looked up Square, now 2.75%. I'll definitely look into it. Thanks.


I shoot Canon's
1DX II, Canon 7D Gripped, 5D3, 24-70L II, 70-200L 2.8 IS Mk I, 85 1.8, Pocket Wizard II triggers, assorted speedlites and modifiers, 580EX, 580EXII, YN560's (6 or so) 50 1.4, t/c 1.4 MkII
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Tigershark
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Feb 20, 2013 09:13 |  #6

i have a wireless terminal I take everywhere but I have used Paypal's swipe device like Square, it works well and is very cheap with no monthy fee, if you get into a high volume I wouldn't use it that's why I have a wireless terminal but it would be good if you are doing a small league and not a heavy volume




  
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convergent
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Feb 20, 2013 09:51 |  #7

Over the years started with writing it on a form, and then went to a regular merchant account and mobile device for scanning... much better. Now with something like Square, I would go with that... easy and inexpensive.


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RSB
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Feb 21, 2013 12:41 as a reply to  @ convergent's post |  #8

Are you going to have someone on the field dedicated to handle all of those credit card transactions for you? Or are you going to stop shooting every time a player shows up with an order form using a credit card, pull out your phone, swipe the card, have the parent sign, and wait for the authorization?

Trying to handle credit card transactions at the camera will be disruptive, slow you down, and almost certainly create headaches and mistakes. If you have a separate person handle the transactions for you, how much are you going to pay them? If it's a 6 hour job, and you pay them $10/hr you've covered a year's service for Virtual Merchant. Sixty bucks a year for a service like Virtual Merchant is a bargain. And I pay considerably less than 2.75%.


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dwarrenr
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Feb 21, 2013 12:45 |  #9

RSB wrote in post #15636321 (external link)
Are you going to have someone on the field dedicated to handle all of those credit card transactions for you? Or are you going to stop shooting every time a player shows up with an order form using a credit card, pull out your phone, swipe the card, have the parent sign, and wait for the authorization?

Trying to handle credit card transactions at the camera will be disruptive, slow you down, and almost certainly create headaches and mistakes. If you have a separate person handle the transactions for you, how much are you going to pay them? If it's a 6 hour job, and you pay them $10/hr you've covered a year's service for Virtual Merchant. Sixty bucks a year for a service like Virtual Merchant is a bargain. And I pay considerably less than 2.75%.

Hey Randy, how does VM make is to you don't need an assistant?


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RSB
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Feb 21, 2013 22:58 |  #10

dwarrenr wrote in post #15636347 (external link)
Hey Randy, how does VM make is to you don't need an assistant?

We don't handle any money on the field. Funds are placed inside our order envelope, and then removed after the job at the office. We input our credit card sales using an iPad. Virtual Merchant is a very simple to use secure web portal. Much easier to use that a terminal. None of my assistants or any of my employees handle money. No one but my wife and myself touch our payments, be it cash, check or credit card.


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Grumpy_one
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Feb 22, 2013 11:42 as a reply to  @ RSB's post |  #11

My plan is to have prepay envelopes to the parents at least 2 weeks prior to photo day, but I will probably have something there the day of to take payments. This will be my first go-around as a T&I photographer and will take every measure possible to make it as smooth and pain free for the committee and parents. I plan to have my wife there as an assistant and probably a college grad there as well, she was our baby sitter before college and has since returned and still doing nanny type jobs around the neighborhood, if still available for hire she is trust worthy, honest and does hard work. So I'll hopefully have two assistants day of shooting. Thanks for all the input.


I shoot Canon's
1DX II, Canon 7D Gripped, 5D3, 24-70L II, 70-200L 2.8 IS Mk I, 85 1.8, Pocket Wizard II triggers, assorted speedlites and modifiers, 580EX, 580EXII, YN560's (6 or so) 50 1.4, t/c 1.4 MkII
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ColeSales
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Feb 23, 2013 14:59 as a reply to  @ Grumpy_one's post |  #12

Your just making yourself work too hard. Create a simple order form in Microsoft word and give copies to the coach a few weeks before, and have extras with you on photo day. When you collect payment, simply staple money to the order form and your good to go. You'll end up making more in the long run. See my order form attached.


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Mike ­ R
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Feb 24, 2013 20:30 |  #13

I give the team envelopes with the order form inside. I have a place on the form for cc info #, cvv, exp date. On picture day, the player hands the sealed envelope to the parent assisting me, I tell her the file number and she writes it in a box printed on the envelope. The kids name is already printed on it by the parent who filled out the form. I don't open the envelopes until I'm back at my office. Since I don't have to pay an assistant, when I deliver the orders, I return the check, or don't charge the cc for the order of the parent who assists me.


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mikes...
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Feb 25, 2013 10:21 |  #14

Square works awesome, especially on an iPad. You can setup your packages on the iPad and you don't have to deal with writing down credit card numbers. Not to mention the fact that people are more and more concerned about having their credit card number written down. I had 2 phone calls just last week asking if I processed cards on site or wrote down numbers. I use Square as my cash register, all orders cash or credit are processed using square. I don't take checks at all... Money is in my account the next business day and detailed reports are available for download from their site.

You can also have assistants logged into your square account taking orders as well. I use 2 iPads for checking in teams and it works great. If you don't have wifi capability just use square on an android or apple phone. You just won't have the item setup like the iPad.




  
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RSB
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Feb 27, 2013 22:41 |  #15

mikes... wrote in post #15649939 (external link)
I had 2 phone calls just last week asking if I processed cards on site or wrote down numbers..... I don't take checks at all...

Really, I shoot 35,000 kids a year and have never had a parent call me to ask if I processed credit cards on site. No checks? You'd rather pay a 2.75% processing fee on every single sale? That would cost me about $10,000 in unnecessary credit cards fees every year. My check deposits are in my bank account the morning after every job, and it doesn't cost me a dime to deposit them. iPads are cool, and square is cool; but certainly not the most cost efficient way to accept credit cards.


Randy Brister, Cr.Photog.

  
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