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  #1  
Old 10-14-2009, 01:58 PM
Ruben Rocha Ruben Rocha is offline
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Join Date: Jul 2004
Location: Lutz,Florida
Posts: 577
Finally taking the plunge to accept credit card payments.

Although I only have three customers that ask me to take credit card payments.
I finally have decided to give it a try.

I just don't know what method to try that works best and of course the least cost.

My bank has merchant accounts.
I see things such as pay pal.

But what do most of you see as the most common situation to get paid via plastic?
In the field?
Online?
Use a mobile card reader?

I am asking the most remedial question here. So don't beat me up to much.
It looks to me if I go with all the bells and whistles to accept a couple of payments per month for any situation it would cost several hundred dollars to get started.
Then the transaction fees.
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  #2  
Old 10-14-2009, 03:01 PM
rm25x rm25x is offline
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Join Date: Jan 2008
Location: Flushing, MI.
Posts: 187
I set up with charge.com
fee's are reasonable.

I only take credit cards, I charge the day after service for both lawn care and snow plowing. Makes life a lot easier, and no more waiting weeks for payment.
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  #3  
Old 10-14-2009, 03:34 PM
Ruben Rocha Ruben Rocha is offline
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Join Date: Jul 2004
Location: Lutz,Florida
Posts: 577
Okay but how do you interface with the customer to get the payment?
If you charge them the day after service. How do you follow up to get a payment.
Tell them to do what?? to pay you.
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  #4  
Old 11-05-2009, 01:06 AM
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Craig3 Craig3 is offline
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Join Date: Mar 2009
Location: Bartlesville, Oklahoma
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Quote:
Originally Posted by Ruben Rocha View Post
Okay but how do you interface with the customer to get the payment?
If you charge them the day after service. How do you follow up to get a payment.
Tell them to do what?? to pay you.
CC #'s on file and simply fills in the blanks himself?
maybe sends them a receipt after?
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  #5  
Old 11-05-2009, 01:30 AM
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Hanau Hanau is offline
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Join Date: Sep 2009
Location: Quad Cities of ID & WA
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Credit card authorization form. Fill in the customers info (some customers have worse handwriting than me), CC #, and the dates payments will be withdrawn (calendar dates, after service is completed, according to contract terms are the 3 methods I use), have them sign and date.

On big jobs I like a second CC, just incase the limit is hit on the first one.

Then plug the information into the program you use and wait for your bucks.
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  #6  
Old 11-05-2009, 01:24 PM
nam328i nam328i is offline
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Join Date: Jul 2009
Location: Pittsburgh, Pennsylvania
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look into sam's club and costco. i've seen them run promotions on mobile card readers and low fees. they're usually a bargain
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  #7  
Old 11-06-2009, 07:47 AM
lawnman_scott lawnman_scott is offline
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Join Date: Jan 2001
Location: st pete, FL
Posts: 7,549
do an internet search for "credit card processers". find one that you can do over the phone, thats the way i do it. nothing to put out to start, and they charge 2.35% plus 35cents per transaction.
Posted via Mobile Device
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  #8  
Old 11-06-2009, 06:12 PM
Caterkillar Caterkillar is offline
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Join Date: Oct 2009
Location: Southeast
Posts: 995
I have one that costs me $6 a month, and 2-3% depending on what type of credit card it is. I do mine over the phone. It seems like renting that credit card equipment is a scam.
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  #9  
Old 11-06-2009, 10:42 PM
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Flow Control Flow Control is offline
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Join Date: Jan 2006
Location: Ohio/Florida
Posts: 1,273
I have taken cc payments for a few years. I quit using a dedicated machine with monthly fees. I have been quite happy using Google Check Out. No monthly fees and reasonable fees per a individual charge. We just email the client a invoice via Google Checkout and that's it.
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  #10  
Old 11-08-2009, 07:56 PM
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Mahoney3223 Mahoney3223 is offline
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Join Date: Mar 2009
Location: midwest
Posts: 992
you gotta take CC's anymore..we have the over-the-phone system..lots cheaper than renting a machine which is a gigantic rip off
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