Credit Card Apps

[brownchristian]

I own a small to medium sized construction firm. We have a client that needs to pay us via credit card. I am looking at either Square or GoPayment. Which one and Why?

[AntlerMax]

He doesn't NEED to pay you with a credit card.... he WANTS to pay you with a credit card.

Be very careful with credit card processors...especially if you don't run a good volume through them as your processing fees eat into your profit quickly...!

I've got several customers that call me and want to pay for items over the phone with a credit card and usually I won't do it. The processors charge a different fee if you hand enter the credit card number.... and if your customer disputes a charge that was hand entered, it is sometimes harder to settle the dispute than if the customer presents the card to you and you swipe it through a machine.

[hoythunter]

Square is one of the easiest ways to accept credit cards. No monthly fees and just a % when you charge a card.

[tazhunter0]

I got " Square " for our craft stuff at shows.

[whompum]

Lets say I was to use the Square, they charge 2.75% for each swipe, would you get upset if I added the percentage fee to you total?

[hoythunter]

It breaks the rules of the CC companies to pass on a "credit card fee" but you are allowed to charge and appropriate "convenience fee" for paying with a CC. I usually know before I bid a job if the customer plans on paying with a card and price accordingly. If it comes time for payment and my customer drops a card on me that I wasn't expecting, I charge the appropriate convenience fee

[MTNshape]

If you don't want to mess with the actual card swipe you could send an invoice through PayPal. The party making payment doesn't have to have an account.

[Texantax]

I have the new one through Paypal and like it. Your money is available right away unlike the others and they even send you a debit card connected to your Paypal account.

[neskora]

I would use PayPal or square, whatever is easier for you. And I wouldn't hesitate to charge a convenience fee. No reason you should foot the bill because he wants to pay with a credit card.

[brownchristian]

Decided on the Intuit GoPayment product. Seemed like a better fit for a small business.

[klepdo]

Have you thought if for some reason they dispute the charge your money is taken out of your account until a decision is made. I own a small construction company and would never take credit card. 2% fee on a $75,000 or $1,5000 job is crazy. Check or cash for me.

[buckmastertexas]

It breaks the rules of the CC companies to pass on a "credit card fee" but you are allowed to charge and appropriate "convenience fee" for paying with a CC. I usually know before I bid a job if the customer plans on paying with a card and price accordingly. If it comes time for payment and my customer drops a card on me that I wasn't expecting, I charge the appropriate convenience fee

My boss just charges what it takes to cover the cc charges, but offers a "cash discount".

[brownchristian]

We are doing business with United Airlines and these projects are $10,000 or less. They pay when work is completed and they pay additional for the use of the credit card.

[whompum]

The phone I have doesnt work with the Square but does with the intuit. I will also set up a paypal account so that I can take deposits for hunts.

[mikeb1206]

Don't forget about the back charges above the 2.75% if they use a rewards card. You have to pay for them to fly for free.