Accepting Payments Online

Discussion in 'Business Operations' started by Durabird02, Jan 18, 2012.

  1. inzane

    inzane LawnSite Silver Member
    Posts: 2,348

    thats what i'm gonna try this year. using service autopilot and bluepay, it seems to be a good setup but i will see soon enough i guess. i'm not making it a requirement for them to setup on autopay but its gonna cost more if they are not on auto-pay. I am just not sure how many people will want to give that info to a lawn guy.

    all i know is that this year my customers who have had issues paying in the past will be given a choice to be setup on auto-pay or hit the road. :waving:

     
  2. bpallazza

    bpallazza Inactive
    Posts: 12

    You'd be surprised at how many customers are OK with auto pay. The key is communication and transparency. Make sure they know why you are doing it: the environment (save paper bills and stamps), or just to save money. Tell them that if you can keep your costs down, you can keep their rates from increasing (which is why charging a convenience fee is not a good idea). Next, use emails to let them know when you are going to bill their card and how much. Then do it !!! Don't bill early, or late or another amount. Lastly, a customer portal is key. You need this to allow the customer to securely add their bank or credit card info. Also, by letting them see their billing and payment history, it gives them a sense of being in control of their account. As long as they can always see what's been billed and when, they will be OK. No surprises. Trust me...this really does work.
     
  3. TTS

    TTS LawnSite Senior Member
    Posts: 615

    It is a deductable expense but if you still don't want to pay the fees there are ways around it. As Tony pointed out the law changed in most states. For the others you can either offer a cash discount or add convenience charge for online bill pay, both are completely legal.

    No matter how you slice it the time and fuel saved from having to go to the bank and cash checks balances out most of the fees anyway. I'm not currently set up for cc or online payments but I'm looking into it for the future and there's some good information here to keep in mind.
     
  4. Johnny79

    Johnny79 LawnSite Member
    from Nutley
    Posts: 48

    I just signed up for Inuit online pay. It's one of the best things you can do if you want to cut down on paper work and my customers like the option
    Posted via Mobile Device
     
  5. GaryBK

    GaryBK LawnSite Senior Member
    from Canada
    Posts: 252

    I watched some of his youtube videos on billing credit cards after service. I was VERY apprehensive about this but thought it was a great idea to avoid the headaches about collections and bounced checks. 2 years ago we went to the policy of having a credit card on file to bill the service after it is completed or if they want to use a check they must prepay for the year. I WAS SHOCKED! No one questioned it. My cash flow is now nice and even. No collection calls. We grandfathered a few old customers to pay by check and a few got through the cracks without providing a cc number but this last season on a 6 figure revenue we wrote off under $100! Our credit card fees run about $400/month. That seems high but compared to the hassle of collections that's peanuts. The biggest problem is minor - the credit card it declined. We then just try again in a few days and keep doing that until it goes through. I highly endorse it.
    Posted via Mobile Device
     
  6. wildstarblazer

    wildstarblazer LawnSite Senior Member
    Posts: 978

    For those that use quickbooks for payments:

    How much do they charge when a customer clicks pay now from an email invoice?

    Is there a portal for them to log in to check their account info or to enter their credit card info without having to give it to me?
     
  7. Johnny79

    Johnny79 LawnSite Member
    from Nutley
    Posts: 48

    Yes, it cost 50 cents you don't have to do anything
    Posted via Mobile Device
     
  8. PK Mows

    PK Mows LawnSite Member
    Posts: 88

    Paypal. Cheap, instant and easy to use. Quickbooks links right to it with no log-in problems like my bank accounts. Easy for Customers to use, same rates on all credit cards and my web guy says was easy as pie to set-up. I've used numerous merchant service companies over the better part of 30 years and Paypal has been the absolute best.

    I've had 3 disputes in the last couple years and Paypal resolved them quickly and all in my favor. And best of all, I routinely take large deposits and payments and there is no wait for my money. I had an issue with Intuit holding several thousand dollars for over a week once, soured me on them. Had the same trouble with Square, until they raised my limit, but once Paypal brought out their mobile slider I switched to them. Square holds your money overnight, Paypal gives it to you immediately.

    Love me some Paypal.
     
  9. wildstarblazer

    wildstarblazer LawnSite Senior Member
    Posts: 978

    I like paypal too but need something to keep track of customers at the same time. That's why I was thinking of quickbooks.

    You say you can use paypal through quickbnooks? Does that involve some techy stuff? I know your web guy said it's easy but how bout for the lay person. I do my own websites so maybe I can figure it out.

    Thanks!
     
  10. tebletlawns

    tebletlawns LawnSite Member
    from KCMO
    Posts: 142

    I started using Paysimple for auto billing last year. Should have done it sooner. I thought people would be hesitant but I've had no problems. Makes life easier for me and for them. Charging a checking account only cost 55ยข and credit cards rates are competitive.
    Posted via Mobile Device
     

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