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Do you accept credit cards?

Discussion in 'Business Operations' started by naturescaretaker, Sep 9, 2004.

  1. naturescaretaker

    naturescaretaker LawnSite Senior Member
    Messages: 854

    Just wondering. How many of you accept credit cards? If so, what do they charge you and do you use a mobile terminal to run the cards? How about online payments for monthly bills?


  2. Andyinchville2

    Andyinchville2 LawnSite Member
    Messages: 124

    I've thought about it mainly to do auctmatic billings at the end of the month to speed up getting paid....I suppose I could also get an authorization to draft a checking account and that won't cost anything....$25 min per month is the lowest monthly fee I have found (of course there is also the per transaction fee and the percentage too).

  3. Premo Services

    Premo Services LawnSite Bronze Member
    Messages: 1,516

    I am seriously considering it.
    Grtting money quicker, especially new customers, or the one time jobs. I think it might make some add ons, and get other homeowners that mow their own lawns to have me do the extra add on work that makes the good money, ie: core aeration, mulching, planting, etc.
    The charges for using this service are some of the drawbacks though.
  4. olderthandirt

    olderthandirt LawnSite Platinum Member
    from here
    Messages: 4,899

    I use them, $5.00 a month + 2.25% per transaction
    signed up with the LAWN & GARDEN ASSOCIATION
    Great people to work with and very helpful
    Taking cards has added about 15k in revenue this yr so far, This is only for extras and a few that wanted to use the card for airline miles. I have it posted on all contracts that there will be an additional 2% added to use this service. Let the customer pay for the privlage of using the cards. I don't have a remote terminal thats where you start to get invovled with more money, just use a "knuckel buster slide " and call it in on the cell or if I don't feel like it I wait till I get home and have the wife process them. Hope this helps.

  5. Team Gopher

    Team Gopher LawnSite Platinum Member
    from -
    Messages: 4,040

  6. thill

    thill LawnSite Member
    Messages: 245

    I have accepted CCs for a couple of years now. I pay no monthly fee but pay 2.5% for "matched" and 3/5% for "unmatched".

    All transactions are done via a merchant account, online, at the office.

    We have a few contract clients that pay monthly this way. Most of our CC charges are for one time services like clean ups. That allows us to book the job on line or over the phone, schedule it and do it with out having to have the client show up during working hours to pay.
  7. stizostedion_vitreum

    stizostedion_vitreum LawnSite Member
    from ND
    Messages: 51

    Do you have a merchant "knuckle buster?" If so, there is a merchant cost for them.....if not, then how?

    In the other post that was listed above, someone mentioned using "PayPal" which is only available to others that have an account with Paypal so it can be billed online.

    I guess I've missed what the answer is here;

    I just started marketing our new LCO and the very first contract we were awarded required us to accept credit cards and it's a big one, so I told them we do. I need to figure this out somewhat timely.

    Thanks all,
  8. naturescaretaker

    naturescaretaker LawnSite Senior Member
    Messages: 854

    We have signed up for Visa, MasterCard, Discover and Amex. We looked around and finely settled on going through QuickBooks (Intuit). We got a 1.95% rate, no monthly fee and $0.25 per transaction. We also use PayPal and that works OK. But for the larger jobs it is nice to have the ability to bill right from QuickBooks.
  9. Groundcover Solutions

    Groundcover Solutions LawnSite Bronze Member
    Messages: 1,254

  10. HOOLIE

    HOOLIE LawnSite Gold Member
    Messages: 3,981

    Costco offers credit card processing, or ask at your bank, a lot of them do processing as well (at least mine does) Didn't take me long to get set up. I don't have a terminal, just a merchant ID, and phone in all the charges.

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