Charging fees from paypal- whose responsibility?

Discussion in 'General Shop Talk' started by kellylindseyphotography, May 14, 2008.

  1. kellylindseyphotography

    kellylindseyphotography TPF Noob!

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    I just realized that on my site I did not specify that if someone was paying via credit card on paypal that they should cover the fees. Someone bought a print and I ended up covering like .70 cents. Not a big deal the first time cuz it was my own mistake....

    But then I got to thinking... should I ask those who pay CC pay those fees? Or is it my responsibility to include that in my price beforehand?

    If so, I would just have to raise all my prices and it would not be fair to those that pay cash or funded pay pal.

    In any case, SHOULD I be responsible for fees incurred by credit cards or is it the buyers?
     
  2. JimmyO

    JimmyO TPF Noob!

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    Yes, paypal deducts the charge from the money they send you, so they pay the charge, but not on top of the money there sending you. If you want you could raise your price a tad if you want.
     
  3. dslrchat

    dslrchat TPF Noob!

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    You could state, that if paying via PayPal with CC there will be a Premium charge.
    However, for the amount they charge, I would absorb the cost, they only time the fee will be huge is if you sell a huge order, in which your will be making a bigger profit any ways.

    Just my Opinion here.

    PayPal also charges the buyer an extra charge when using CC I beleive.
    They basically have their hands in both pockets ;)
    Thats how they make so much $$$ :D
     
  4. Big Mike

    Big Mike I am Big, I am Mike Staff Member Supporting Member

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    Put yourself in the consumer's shoes...would you like to pay an extra fee on top of the price? Probably not. Just eat the fee yourself and adjust your price to cover it as a 'cost of doing business'.
     
  5. kellylindseyphotography

    kellylindseyphotography TPF Noob!

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    Your right. Thats why I asked.. though with bigger orders, I am looking to lose a lot of money. Yes, I"ll make a bigger profit but if they had paid with funded paypal, I would not have lost a cent.

    Jimmy, the SELLER eats the credit card fees, not the buyer. The fees are 3.5% of the total, I believe. Change if your looking at one photo (less than a buck) but if your talking photo packages, I would be looking at eating fee's of 10, 20, even 50 dollars.

    So for example, the photo I Just sold was a 5x7, I chard 6.00 for it. Paypal only depositied 5.31 in my account.
     
  6. Sarah23

    Sarah23 TPF Noob!

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    Hmmm...I guess if an order is over "$XX.XX" amount, you could put that if they are going to pay that way that there would be a fee. I mean...its not that hard for them to just move money into their paypal account and have it funded. Or you could maybe not accept unfunded paypal for over a certain order amount...but that might drive away business.
     
  7. Rachelsne

    Rachelsne TPF Noob!

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    seller should pay.
     
  8. hedonia

    hedonia TPF Noob!

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    Just raise your prices to cover the cost. I like all my print prices to be a nice whole number, so after I use my markup equation, I add the fees and taxes then round up. So something costs me 1.39 to buy wholesale, after all the fees and the markup it comes to, say, 9.27, I make it cost $10. Then when the customer checks out, it costs $10 exactly. Nice and simple.

    If your profit margins are such that getting $5.31 on a $6 sale is too little, then your prices need to be raised anyway.
     
  9. AprilRamone

    AprilRamone TPF Noob!

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    The problem in your situation is that you aren't charging enough for your work. $6 for a 4x6" is nothing.
     
  10. SpeedTrap

    SpeedTrap TPF Noob!

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    I price to include such fees, if the person ordering does not know they are paying the fee, they do not complain. Most retailers do this, Visa and Mastercard charge the retailers for point of sale machines the retail stores add this in as part of the prices.

    Adding the fee on extra looks amature and unprofessional. This is just my thought.
     
  11. kellylindseyphotography

    kellylindseyphotography TPF Noob!

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    Hi, thanks for your thoughts. I am just starting out, so my prices are very very low right now. I don't know if I'm up to par with charging a lot. Feedback has been only so-so from what I've gathered here on this forum. So I only charge what I think my level is at- which is amateur.
     
  12. AprilRamone

    AprilRamone TPF Noob!

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    Kelly,
    I was once in your boat and my best advice is to charge what you will want to charge when you are good enough. And for now to build up to being good enough offer discounts off of the real pricing.
    Trust me, when the time comes and you have spent two years building up a base of clients who are happy to spend $6 on a 4x6" and you attempt to raise the price to an actual amount you can live off of you'll lose everyone you spent two years finding and have to start all over again anyway.
    I strongly feel that you are shooting yourself in the foot by charging such a small amount.
     

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