Do you accept credit cards?

Discussion in 'General Shop Talk' started by Breanna, Nov 8, 2009.

  1. Breanna

    Breanna TPF Noob!

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    I've never run into someone who asked until just last week. A bride asked if she could pay for $170 work of engagement prints with a credit card. We have a good repitoir so I told her that if she wanted to pay by CC I could accept a Paypal payment. (PS- she has paid for everything else thus far with a check)

    I know that moving forward I should probably set something up that is more official, but was curious as to what everyone else did. I've used a CC (debit) to pay for portrait prints before, but it was a high end photographer who averages $1000+ per client. That's not me. Yet. :lol:
     
  2. Eco

    Eco TPF Noob!

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    You are looking at $20-$40 a month in fees in order to accept credit cards. I've used a service through Quickbooks and now an I-Phone app of all things to accept them.

    Shop for:

    1. Monthly program cost.
    2. Per transaction fee.
    3. % for each type of card (MC/Visa, Discover and Amex)

    Stay away from the terminals that require a cell phone plan unless you are doing $$,$$$ a month in transactions.
     
  3. SpeedTrap

    SpeedTrap TPF Noob!

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    I have Pay Pal integrated with my ordering system to accept credit cards. When an order is placed online they can pay with a credit card without a pay pal account.
    That is what has worked for me so far. I looked into POS system but it required;
    -$600 POS terminal
    -Phone Line (I only use BlackBerrys)
    -a monthly fee
    -and a % of each sale

    In the end it just did not seem worth it.
    Beside, I do not have to worry about all the admin, now, just track what each trasaction cost me and when it is worth it to swich to a POS Sytem, I will.
     
  4. smn_xps

    smn_xps TPF Noob!

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    I used to have an online store that was a hobby business but what i did is i went to a friend who has a retail store nearby and asked him to run my charges for me. we had a deal where i would bring the CC info into his store and he would run the charge. at the end of the month he would total up my charges, subtract $2 per charge for his service and subtract the transaction charges from his POS account. most months his fees from me covered his service charge and I got to take CCs without the hassle of setting up my own POS.

    might work for you if you know someone with a retail store.

    jerry
     
  5. Christie Photo

    Christie Photo No longer a newbie, moving up!

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    I accept Visa, MC, Discover and Am Ex.

    People pay for anything with cards from passports sessions ($20) to weddings (thousands). It's not so much the amount of the sale. Some folks (like me) never carry cash and others like the convenience.

    -Pete
     
  6. manaheim

    manaheim Jedi Bunnywabbit Staff Member Supporting Member

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    FYI, this is usually against the rules of the processor, so most people would be inclined to not do this.

    I once had a processor for my business that cost about $100 a year to maintain plus the various fees associated with each purchase. Really quite cheap compared to most. They don't appear to be in business anymore however. :)
     
  7. DScience

    DScience No longer a newbie, moving up!

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    Just can't leave can ya!! :hug::
     
  8. manaheim

    manaheim Jedi Bunnywabbit Staff Member Supporting Member

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    Slow day at work... bored.
     
  9. Christie Photo

    Christie Photo No longer a newbie, moving up!

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    Yeah... not a good plan. And... when the purchases show up on the clients' billing, the merchant who processed the card will be listed.

    -Pete
     
  10. NateWagner

    NateWagner TPF Noob!

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    Yeah, as of yet I take credit cards in the form of Paypal. (I'm thinking of setting up with Google Checkout as well). If they want to I can do the charge while they are there, and its really quite cheap, 35 cents plus 2.5 percent of the overall bill. It would be nice to have a POS etc. but unless you do a lot of business, and have your own location I don't really see the value.
     
  11. Eco

    Eco TPF Noob!

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    He also runs the risk of charge backs, the risk of MC/Visa and the others shutting him down for violating their TOS's......not to mention an accounting nightmare.
     
  12. Christie Photo

    Christie Photo No longer a newbie, moving up!

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    ALL so true.

    And (I'm not at all sure about this), but I suspect its illegal as hell!

    -Pete
     

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