Credit Card Processing Companies You Would Recommend

I just use paypal.

Paypal

I just switched to Paypal after doing my own credit card processing for 15 years. The cost and hassle is not worth it unless you do a lot of business.

Cash or Paypal.

Square. I use it on my phone with a credit card swipe (they send it free). There is no monthly rate, only a pay per swipe charge, and I have the cash in my bank account in 24 hours.
https://squareup.com/
I never had a bad experience with them. I swipe the card, the customer sees how much they are paying they sign my droid phone with their finger, and I process the payment. Pretty simple and 100% portable. You can put the card number in manually also if you want, but they chare about 1% more for this method for some reason. It accepts all major credit cards, and no extra for Amex (unlike most other credit card processing).

Square. I use it on my phone with a credit card swipe (they send it free). There is no monthly rate, only a pay per swipe charge, and I have the cash in my bank account in 24 hours.
https://squareup.com/
I never had a bad experience with them. I swipe the card, the customer sees how much they are paying they sign my droid phone with their finger, and I process the payment. Pretty simple and 100% portable. You can put the card number in manually also if you want, but they chare about 1% more for this method for some reason. It accepts all major credit cards, and no extra for Amex (unlike most other credit card processing).

One more thing.... it will also email email the customer a receipt, if they want it, or you can skip it.
Ok...more: You can see your history on the phone or on the computer, give refunds, and so much more. They sounded too good to be true, but they are as good as it sounds.
You can setup the account in about 3 minutes online, they mail you the card reader (it plugs into your smartphone earphone jack). I received my card reader in about 3 days.

I don't like plastic, it could have been a stolen card and then you're out the money.
I'm with all the Paypal people. I used it many times in ebay the past 6 years and never had a problem.
With plastic there are risks. With paypal I don't believe there could be.

I have switched to Square, it is easy to use, they pay quickly usually next morning, no monthly or set up fees.

Thanks all for your in put. With Paypal (I've used it for many years) how do you charge them on the spot? Do you carry around a wi-fi device with you? Or do you give them the product then charge them? Thanks

Paypal has a device similar to Square. It is a little card swiper that plugs into your phone's jack. But Paypal does charge you extra, I believe they have a monthy service fee.

I use Paypal the charge for each transaction is 2.70% with no recurring charges or one time fee for using Paypal here. Square charges 2.75% per transaction. They both charge 3.5% + $0.15 cents if you enter the credit card information manually.

I use Square and Paypal Here for seperate businesses. Ive never had a problem with either.

Thanks for the info on square Nicholas. I was thinking about using them and it sounds like you are happy with them.


FYI,
They charge more for manual entries of credit cards because there is more risk than having a physical card.

i am happy with square - us it at shows. i think it increases sales when you advertise that you accept credit cards.

Yes, it does help with sales. Before I started with credit card I LOST a bunch of sales. I did a shoot for a dance one time, and I lost about $1000.00 in sales because we took cash or check only and billed people via paypal that wanted to use credit card. 100% of those that I billed for via paypal never paid (so they did not receive prints).. I had 82 of them at that dance that night that wanted to use credit card, but agreed to paypal.

Hi, Leanne,

Don't forget to have easily visible signage noting that you'll happily accept cards (and whatever other method of payment) -- display it at standing-eye level and down on your table. It's a great way to draw visitors to your exhibit!

Best of luck as you begin putting your name and art 'out there'. :-)

I have used Square for over a year, and it is great! I got a stylus to help people sign. It sometimes takes a bit to read the card, especially if you have a case on the phone/pad, so the dongle doesn't sit properly in the socket, but I am very glad I have it.

Does square work with a regular cell phone? I don't know anything about Android and can't affor Apple I Phone.

No, you must either have a droid or an Iphone because you need to install the app.

I use the Square for in person transactions and PayPal for online, haven't had any problems with either. I do a lot of shows and having the Square has made things a lot easier and has actually increased my sales.

You are all amazing and so much helpful information. I've only done cash or checks and I agree if you don't accept credit cards, some people will walk away from the purchase. Great feedback..



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@Nicholas - Thanks for your input re needing either Android or IPhone!