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FORUMS Photo Sharing & Visual Enjoyment Weddings & Other Family Events 
Thread started 20 Jun 2007 (Wednesday) 13:35
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Do You Accept Credit Cards?

 
liza
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Jun 20, 2007 13:35 |  #1
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I noticed in another thread that someone mentioned they didn't take credit cards. How many of you do? My reason for doing so is that people tend to spend more money that way. Not a lot of people can lay out over 2K in cash.

I'm going to offer the option through Paypal at this point while I'm looking for a good company that doesn't charge too much. My hosting service lists a couple. Anyone know of a decent bank that doesn't charge an arm and a leg?



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rhys
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Jun 20, 2007 13:43 |  #2

Given that so much card fraud exists, I wouldn't touch them.

In God we trust. Others pay cash!


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Vulcan58
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Jun 20, 2007 13:46 |  #3

They all charge an arm & a leg - that's why they're in business, and I'm always skint !!! LOL


  
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Atl-Fotos
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Jun 20, 2007 13:50 |  #4

Only through PayPal for now...

From what I understand that way I am still paying a processing fee without the monthly charge for having a machine...

I am sure the people who do have credit card machines will correct me...


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AMeyer
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Jun 20, 2007 13:53 as a reply to  @ Vulcan58's post |  #5

I accept Paypal, it is easy to send and receive money and it automatically gives the customer a receipt. Also, I have a debit card through them linked to the account. The only drawbacks are it takes a few days to transfer funds received into your bank account, and they also charge a percentage to accept payment.


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timbernet
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Jun 20, 2007 13:53 |  #6

I am not a wedding person, but I looked into this for my IT/computer business - Credit card processing really isn't THAT much *if* you have the volume.
If you only process $100-$200/month - not worth it. But if you are doing $1K+ - it makes sense.

PayPal works - but the issue with PayPal is their rates. Their "cut" of your total amount is huge compared to normal credit card processing companies. Plus non-PayPal style companies give you flexibility. You could have a "Pay Online" system or a pay via telephone/mail-order system - this is also called "virtual terminal", basically, you type in the name, CC number, exp. date, and the CV2 number and that is that.

If you wish, you could get a physical card reader and run the card on site - but I would really suggest a virtual terminal system.




  
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liza
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Jun 20, 2007 13:57 |  #7
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The one my hosting service promotes has:

- No application fee
- 30 cents per transaction
- $10 monthly statement fee
- $15 monthly minimum
- $15 monthly gateway fee with free setup
- Free shopping cart
- Merchant account with free setup.
- Free customer support.

Anyone know of anything better?
-
- No cancellation fee.
- No contract term.



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timbernet
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Jun 20, 2007 14:03 |  #8

liza wrote in post #3410994 (external link)
The one my hosting service promotes has:

- No application fee
- 30 cents per transaction
- $10 monthly statement fee
- $15 monthly minimum
- $15 monthly gateway fee with free setup
- Free shopping cart
- Merchant account with free setup.
- Free customer support.

Anyone know of anything better?
-
- No cancellation fee.
- No contract term.


Costco is partnered with NOVA system - they have great rates and I have heard a lot of good things about them from local business owners:
http://www.novainfo.co​m/costco/index.asp (external link)

Internet Merchants
1.99%
Plus 27¢ per transaction


Mail/Telephone Order Merchants
1.99%
Plus 27¢ per transaction


Retail Merchants
1.64%
Plus 20¢ per card-swiped transaction

Accept Visa, MasterCard, American Express, Discover, debit cards and corporate purchasing cards.**
$4.95 monthly statement fee - waived for Executive Members
One time $25 application fee - waived for Executive Members
Live customer service 24-hours a day / 7-days a week
Free basic online merchant account access
No batch fees




  
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JustKat
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Jun 20, 2007 14:05 as a reply to  @ liza's post |  #9

I used to take credit cards but the majority of my customers paid with cash or check so the extra $, the extra column in the ledger and the paperwork wasn't worth it for me.




  
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Banbert
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Jun 20, 2007 14:24 |  #10
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Have a look at Google Checkout, they are pushing to compete with Paypal so are offering some very good deals atm with bonsuses if you also use adwords, you get a google checkout logo at the side of your ads which will help hightlight them to potential clients. Looks pretty easy to integrate it into a website as well.

We offer payment via paypal, nochex (which covers credit cards and bank cards), cash, cheque, direct transfer including Iban and bic codes.

My view is to offer as many payment options as possible, no point in putting potential customers off because you dont offer their prefered payment option.

What has been strange is that most people have still paid via cheque which is fine because theres no cost to that. Paypal/Nochex obviously charge a fee but thats just the cost of doing business in my book and it does offer some protection for both customer and supplier so people feel comfortable with it.


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liza
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Jun 20, 2007 14:30 |  #11
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Thanks for the suggestions. :)



Elizabeth
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sixsixfour
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Jun 20, 2007 14:32 |  #12

plastic is good but cash is king. plus I dont have large enough volume (I rarely go to weddings) to justify CC payments.


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Toogy
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Jun 20, 2007 15:04 |  #13

I accept credit cards, it's great, really. I have had people willing to spend just abit more because they can put it on plastic. I have an account through Nova/Costco and the rates are really decent.
It also makes collecting 2nd & final payments that much easier.


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Mike ­ Fulton
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Jun 20, 2007 15:29 |  #14

I have several companies which I accept Credit Cards from.

One through my bank

One through Business Account from PayPal which is really nice for intergrated shopping carts online. Easy instant clearance, and accepts so many cards (visa, mastercard, discover, etc.) Plus it has been around long enough people trust it and those who are not internet people I can just either call or manually enter the information over the internet. Again fast, easy and effective. Another good thing about PayPal is you pay as you go so you do not need a large volume to accept CC in your business.


Until I started accepting credit cards I was unable to move into the higher level of wedding work (ie: $4000.00 to $25,000) As someone meantioned above people just do not carry that much cash with them so the credit cards are a must.


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song4themoon
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Jun 20, 2007 15:31 |  #15

I dont as of yet, but I will look into it ones my prices are up to the local competitors rates.


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Do You Accept Credit Cards?
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