Accepting Credit Cards - Page 2

If you have a business account through a bank many of them offer credit card service for very reasonable fees.
With working with your bank if a problem should arise you can take your paper work with you and walk right in and talk face to face with a representative.

Originally Posted by injunjoe

Last I had heard it is against the law to charge for credit card fees. What I did when I had my garage door company was to offer a cash discount. That covered the cost of the use of a credit card and encouraged my customers to pay by cash or check, ( I considered a check same as cash).

Auction house I do a lot of business with offers that discount so I always take advantage.

Originally Posted by GeorgeB

Not if your smart enough to contact their credit card company, and inform them that you wrote their client a check, instead of doing a refund via a credit card. Then the only thing you might have to do, is provide them some proof that the check was indeed written.

This all seems like a huge hassle for a simple refund. With your card service all you do is credit there account the amount of the refund and DONE.

No Checks, no phone calls, no proof needed.

I use PayPal for my online business transactions, but I use Square for the transactions that I am face to face with the person.

Originally Posted by injunjoe

This all seems like a huge hassle for a simple refund. With your card service all you do is credit there account the amount of the refund and DONE.

No Checks, no phone calls, no proof needed.

That is true, but if you use square, it says it in their help area, that if you do a refund, that your other transactions can be put on hold for a few days.

Maybe I miss interpreted that, but that is how I took it.

Originally Posted by injunjoe

Last I had heard it is against the law to charge for credit card fees. What I did when I had my garage door company was to offer a cash discount. That covered the cost of the use of a credit card and encouraged my customers to pay by cash or check, ( I considered a check same as cash).

Maybe be...cant say yes or no to that, but like I mentioned, I know a few in the past who had it in their policies, and above registers etc.

Laws could have always changed too, so who knows.

Most likely, I will just incorporate the fee into prices, or something.

Originally Posted by GeorgeB

That is true, but if you use square, it says it in their help area, that if you do a refund, that your other transactions can be put on hold for a few days.

My guess would be that it depends if you have enough in the acct to cover the refund...if not then new/pending transactions would be applied/held till your Even Steven.

I know some of our gas stations in town have a cash price and a credit card price.

Originally Posted by CMHN

I know some of our gas stations in town have a cash price and a credit card price.

That is true. When they started that it was not post on the road side signs. Someone must have made a fuss because it is post on there signs now!

Makes you mad when you would see a price and pull in only to find the credit price is so much higher then advertised. The old,( Bait and Switch)!

Originally Posted by CMHN

I know some of our gas stations in town have a cash price and a credit card price.

I unfortunately, don't remember know what businesses around here was like that. Been so long since I have used a CC...normally pay in cash for anything I buy.

Originally Posted by GeorgeB

I unfortunately, don't remember know what businesses around here was like that. Been so long since I have used a CC...normally pay in cash for anything I buy.

Geo being a biz man you should use a card! My brother-in law is a large paint contractor. He buys all his supplies with an American Express card.
They offer him free miles, him and my sister are able to fly first class back and forth to Greece for free a couple times a year.

Paying with a card also makes bookkeeping a lot easier! Just be sure to pay off what you charge at the end of period and don't hold a balance!

Originally Posted by injunjoe

Geo being a biz man you should use a card! My brother-in law is a large paint contractor. He buys all his supplies with an American Express card.
They offer him free miles, him and my sister are able to fly first class back and forth to Greece for free a couple times a year.

Paying with a card also makes bookkeeping a lot easier! Just be sure to pay off what you charge at the end of period and don't hold a balance!

Sorry, my apologies for not being more clearer. Was referring to personal things that I buy. I have a check card, but I rarely use it, except to take cash out to pay bills.

When it comes to business, it is all either cash (receiving), or check, or money order in some cases. Now it will be CC's as well.

I have always accepted CC, but it was always done via Paypal.com. Since I require to be paid at completion of a job, paypal.com is not always useful.

I am sure square, or the other firm I signed up with, will increase business a lot for me in 2012 for sure.

I never have had any other CC other than our check cards. To much hassle and issues for me.

Wished I noticed their store locator before. Could have already had one. O well, mine will be here by weeks end.

https://squareup.com/retail/search/20111

Since I began accepting cc I find a lot more people hire me.