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Unread 01-24-2008, 08:05 AM   #1
Deane100
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Who accepts credit cards

How many take credit cards as payment? Have you noticed an increase in business as a result? What steps need to be taken in order to do so?

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Unread 01-24-2008, 09:17 AM   #2
ceramictec
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hope this helps, this is the BOA FAQ's about setting up.
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Unread 01-24-2008, 09:23 AM   #3
ddmoit
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Here's an old thread with decent coverage of the topic...
http://www.johnbridge.com/vbulletin/...t=credit+cards
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Unread 01-24-2008, 09:24 AM   #4
Trask
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We take credit cards through our retail store and have used them to take payment on labor on rare occasions...one guy wanted to put 23,000$ on his "super something" card...Be aware that the credit card company gets a fee and it can hurt margins badly if you have not made some provisions for this.

In all we do have not seen it as a benefit to the labor side of the buss...in fact I would say it's a drag...We have at least a dozen active jobs going a month and would say we have call to use the credit card machine a couple a times a year for any signifigant payment.
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Unread 01-24-2008, 10:16 AM   #5
Deane100
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Thanks for the info

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Unread 01-24-2008, 10:37 AM   #6
ceramictec
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I think credit card use is on the way up since the economy has slowed some, heard it on CNBC a bit ago.
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Unread 01-24-2008, 11:14 AM   #7
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I have a merchant account through Quickbooks---no equipment to buy, no long contracts, $17.95/month. It's the easiest and cheapest way to give it a shot (if you have Quickbooks). I think the merchant fee is less than 3% per transaction, but it still stings to pay it. It got me out of a bad situation with a non-paying customer once, so it does come in handy at times. I haven't had a customer use a credit card in quite a while, though (maybe once last year---less than 1% of my yearly volume). I normally deal with home builders and contractors, though.
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Unread 01-24-2008, 12:28 PM   #8
Scooter
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No way. Its another 3-5% and they can charge back.
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Unread 01-24-2008, 12:42 PM   #9
flatfloor
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Quote:
and they can charge back.
That's what would really scare me.
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Unread 01-24-2008, 12:54 PM   #10
dpeder
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Got a mechant account when I first started my business after about a year of paying monthly minimium usage charges I gave it up. I never had anyone want to put the labor on thier card. I did'nt think it was worth the hassel and it did'nt get me any more work.
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Unread 01-24-2008, 05:59 PM   #11
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No way, Jose. I take checks and cash for my labor.
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Unread 01-24-2008, 07:05 PM   #12
tilemanct
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Just remember this (the card companies dont really tell you this one) if a customer has a problem they can at any time dispute the charges and the monies are pulled from your account until the dispute is settled. Dont do it!!!!
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Unread 01-24-2008, 07:16 PM   #13
opiethetileman
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heres an interesting tip. are you aware of the warranty a credit card gives on some things. i know AM EXPRESS gives an additional 1 year on warranty. I did credit cards for a bit but ya had to 800 bucks a month or you got a charge. aslo it took like 2 days to go to my account. i now take cash with 2 forms of id. and a check if you are really really cute.
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Unread 01-24-2008, 07:26 PM   #14
tilerite
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Interesting topic. I have a Paypal account I use for internet purchases. I believe it could be converted to accept credit card payments from customers but I have not looked into it yet. I don't know if would make a difference though, as I pretty much never get asked if I accept credit cards.
When I lived in Phoenix, in the 90's, my tile supplier used to let me allow my customers to pay them with the card and the company would write me a check, but they only did that if the customer was buying their tile through them.
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Unread 01-24-2008, 09:41 PM   #15
LAN1870
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If you have a Paypal premiere account or better, then you can accept credit cards. I have this type of account and would use it to accept a credit card payment upon request (which hasn't happened yet).

And honestly I think this is the best way to accept credit cards especially if you ever rarely accept them.

Basically you sign into your paypal account. You submit a payment request to the customer's email address. The customer then receives this email and clicks on a link. If the customer doesn't have a paypal account, they choose the option that they don't have an account. They are then brought to a screen to pay by credit card and they enter in all of their credit card info.

Then voila, the credit card payment is put into your paypal account. Currently the Paypal fee for accepting a credit card payment is 2.9% plus 30 cents. My paypal is linked to my checking account so the money would be deposited into my checking account.

I think this is a great way to accept credit cards. I just wouldn't tell the customer that I am figuring the paypal fee into their proposal.

Of course you have to make sure that the customer is 100% satisfied with their job or they'll be sure to dispute it and that means you might not get your money. That's the drawback to credit cards as opposed to cash and checks.
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