Who do you use for credit card processing?

[aquaninja]

Hi all,
I'm just getting around to offering credit card payment for my clients, and am trying to decide who to use.

Paypal offers the service, but I would have to have internet access, which is tricky when doing house calls. I've read about companies like Flagship and Merchants, which seem to have high customer ratings, but can't seem to find customer reviews.

Looking for recommendations from end users!
Thanks in advance.

Greg

 

[Lisa W]

We use CellCharge, get a discount thru ABMP. You call the sales in, it's really easy. They charge us $8.99/month with a VISA/MasterCard quarterly fee of $8.99 (which brings the total to $12/month, if you average out the quarterly fees), and I don't recall the perceneforum.xxxe right off the bat.... it's a bit higher than others I've seen, BUT there is no per-transaction fee and the perceneforum.xxxe rate is FLAT, not varied based on the type of card used. So I know I won't get "stuck" for more if they use a "Rewards" or "Miles" card or whatever.

We do plan to switch to a swiper at some point, but not anytime soon. Doing it this way helps keep our overhead down. CellCharge's site says that to justify making the move to the swiper, with all its added costs, we'd have to be doing at least $2000 per MONTH in cc sales. I don't foresee that happening anytime soon.

 

[Happened2me]

I also use Cellcharge, getting the discount through ABMP.

 

[Emmy [Redux]]

I use ProPay, which it seems is similar to CellCharge, but cheaper. At least for me. I have the Premium option, which is only $59.95 per year.

This is a rundown of their options:

https://epay.propay.com/account/Default.aspx

 

[Bella Ella]

I use PayPal to send email invoices ahead of time and have the clients prepay at least 24 hours before the appointment. So far so good! I've only done it a few times so far (once with a bodywork client and three times for my other biz).

 

[lemily014]

I use Propay and have for about 18 months. I like the flexibility and convenience because it allows me to accept charges anywhere by using my cell phone or computer to make the charge. I have two locations, and I also do events. Works for me.

 

[Corey L]

I se Propay also. Seemed the cheapest for me, as I don't bill credit cards often.

 

[Balasubrahmanyam]

Thanks for all the replies! Sounds like ProPay is a good one to look into.

One question, what do you do about receipts for the client? Hand written? Card slider?

 

[gavilan_rood]

I usually don't hand them a receipt unless they ask. I had a knuckle buster that never worked properly so I stopped trying. If the client wants a receipt, I just give then a hand written one. Simple.

 

[Nas J]

We use Valutec where I work. We can swipe credit cards and they also provide our gift cards (swiped also). I know they charge 3% per transaction, I'm not sure about any yearly fees but I'm sure they're not much as the owner likes to save wherever she can! It prints out 2 receipts. I've been there going on 3 years and she's been using it longer than that - since I've been there we've had no problems with it whatsoever.

Whenever any of us do outcalls it has to be check or cash.

 

[HEIMAT]

Who do you use for credit card processing?

Maybe I ended up at the wrong site, but it appears Valutec deals with gift cards. They don't process credit card charges. They are associated with another company called Metavante, which looks like it is primarily for health care and financial institutions. Did I take a wrong turn at Google?

 

[wishmaker88]

Who do you use for credit card processing?

Maybe that last left shoulda been a right?

We do all our cards (gift and all debit/credit) on the Valutek machine. Everything gets swiped on it. I'll have to ask the owner about that, she was using this system before I even started. I'll find out.

 

[ERIN R]

Who do you use for credit card processing?

Hands on Trade is offering discounted plan for there members now.



Merchant Credit Card Processing



Your Complete Source
For Payment Acceptance
This new program will enable you to accept all forms of payment including: Visa, MasterCard, Discover, American Express & Gift Cards.

Visit http://www.handsontrade.com or call 1.800.881.7895 for more information!


Online Reporting

As a Hands-On Trade Association Member you will have access to our exclusive Online Reporting feature at no cost. From month-end statement reconciliation to verifying daily batches and deposits you can enjoy the freedom and convenience of viewing your merchant account online 24/7.

Member Support

In addition to offering you the most competitive rates available, you will have access to our world-class customer service help desk, provided exclusively for HOTA members, 24/7 365 days a year. Our live customer support representatives are here to assist you every step of the way.
Gift Card Program


With our Gift Card Program, you can provide your customers with a convenient gift-giving choice while also bringing in new buyers for as low as:



15¢ per transaction
&
$15 per month



Our HOTA membership packages include 30 Standard Gift Cards at no cost as well as customized gift card options at an exclusive membership discount.


Start Saving Today!

HOTA is always looking for ways to benefit our members and we look forward to providing with this valuable service. Please contact our Merchant Services Provider at 1-800-881-7895 to begin taking advaneforum.xxxe of these exclusive service benefits today!

 

[~ Poca ~]

Who do you use for credit card processing?

I just signed up with http://www.Cellcharge.com

Now I am just waiting for the ok to start processing cards.

 

[irishscott99]

Who do you use for credit card processing?

Your payments will be held in a pending balance

We're writing to let you know about a change to your PayPal account.

Starting Dec/01/2010, money from payments you receive will be placed in a pending balance for up to 21days. By doing this, we're making sure that there's enough money in your account to cover potential refunds or claims.

Even though you can't access the money right away, please ship orders quickly and communicate with your customers. After 21 days, you can withdraw money from each payment as long as the customer hasn't filed a dispute, chargeback, claim, return, or reversal.

The money may be available sooner if:
We can confirm that the item was delivered.
Your buyer leaves positive feedback. (Applies only to eBay items)
This change isn't necessarily permanent. We'll review your account every 35 days and re-evaluate if we should continue to hold your payments. If we decide to stop holding payments, we'll email you to let you know.

Why are my payments being held?
We reviewed your account and determined that there's a relatively higher than average risk of future transaction issues (such as claims, or chargebacks, or payment reversals). We understand that it may be inconvenient to have your payments temporarily held but please know that we didn't make this decision lightly.

Before deciding to hold payments, we consider many factors. These factors include account and transaction activity, the rate of customer disputes, the type of business a seller runs, average delivery timeframes, customer satisfaction, performance and history.

Questions? Let us know
We understand you’d like to have immediate access to the money you receive and we’re here to answer your questions about this change to your account.

For more information and tips on what you can do to avoid having your future payments held, please see our Frequently Asked Questions. To speak to a Customer Service representative, log in to your PayPal account and click “Contact Us” at the bottom of any page.

Thanks,
PayPal

I just got this email from paypal. Is this common during the holiday season for them? I dont' remember getting a hold on my account last year

 

[Tiara M.]

Who do you use for credit card processing?

I just got this email from paypal. Is this common during the holiday season for them? I dont' remember getting a hold on my account last year

Have you had any returns with PayPal or other problems? Maybe you aren't keeping enough money (to their liking) in your account? According to the letter, it doesn't have anything to do with teh holiday season from what I can see.

Here are the basics on their reasons, if it helps:

• By doing this, we're making sure that there's enough money in your account to cover potential refunds or claims.
• We'll review your account every 35 days and re-evaluate if we should continue to hold your payments.
• Before deciding to hold payments, we consider many factors. These factors include account and transaction activity, the rate of customer disputes, the type of business a seller runs, average delivery timeframes, customer satisfaction, performance and history.

 

[bored]

Who do you use for credit card processing?

I have been keeping money in my account for my rainy day fund and I alos signed up for their Money Market account so I can get interest. I have never had a charge back on my account, nor any complaints that I an aware of

 

[Rorschach]

Who do you use for credit card processing?

I have been keeping money in my account for my rainy day fund and I alos signed up for their Money Market account so I can get interest. I have never had a charge back on my account, nor any complaints that I an aware of

Ah, well then, you may well have recourse. I hope you'll call them and follow up with us! I'd forumulate a balance sheet of what you have in that account (and have had) for the past 6 - 8 months.

Have it in front of you when you speak to them, which will then give you plenty of knowledge about your account, while asking how they go about getting this changed back to normal status.

• Questions? Let us know
  We understand you’d like to have immediate access to the money you receive and we’re here to answer your questions about this change to your account.

 

[Yes We Can]

Who do you use for credit card processing?

The only thing I can think of is last month I had a gift cert. sale for the holidays and I sold 40 to buyers you used paypal

 

[Crazyspidey]

Who do you use for credit card processing?

The only thing I can think of is last month I had a gift cert. sale for the holidays and I sold 40 to buyers you used paypal

I don't know how much you keep in your accounts, and I am not asking. But, by your posts, it sounds to me like PayPal wanted you to have enough, and possibly more in your account, in order to cover the 40 gift certificates, in case they were all returned.

I am guessing that they probably also want you to have a certain perceneforum.xxxe in addition, in your account. Because, who is to say that you don't sell the GC's, they all get returned, and at the same time you payed bills with the other portion of money in your account. There is probably a buffer amount required.

When you find out the answers, would you be kind enough to add them here?