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Credit Card Processing Companies You Would Recommend

Posted by: Leanne Howie on 01/08/2013 - 9:13 PM

Hello - if at all possible, could you give me some advise on who you use for sales using credit cards outside of FAA. I'm just starting to do events and would like to find a reputable company who works with small business merchants. Thanks all.

 

Oldest Reply

Posted by: Heather Applegate on 01/08/2013 - 9:18 PM

I just use paypal.

 

Posted by: Loretta Luglio on 01/08/2013 - 9:21 PM

 

Posted by: Charles Kozierok on 01/08/2013 - 10:12 PM

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.

 

Posted by: Alfred Ng on 01/08/2013 - 10:15 PM

Cash or Paypal.

 

Posted by: Nicholas Evans on 01/08/2013 - 10:23 PM

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).

 

Posted by: Nicholas Evans on 01/08/2013 - 10:23 PM

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).

 

Posted by: Nicholas Evans on 01/08/2013 - 10:25 PM

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.

 

Posted by: EricaMaxine Price on 01/08/2013 - 10:44 PM

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.

 

Posted by: Michael Peychich on 01/09/2013 - 12:19 AM

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

 

Posted by: Leanne Howie on 01/09/2013 - 3:52 AM

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

 

Posted by: Nicholas Evans on 01/09/2013 - 10:04 AM

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.

 

Posted by: Regina Williams on 01/09/2013 - 10:26 AM

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.

 

Posted by: A M Johnson on 01/09/2013 - 10:33 AM

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

 

Posted by: John Crothers on 01/09/2013 - 10:44 AM

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.

 

Posted by: Alan and Marcia Socolik on 01/09/2013 - 10:53 AM

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

 

Posted by: Nicholas Evans on 01/09/2013 - 11:05 AM

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.

 

Posted by: Wendy J St Christopher on 01/09/2013 - 12:59 PM

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'. :-)

 

Posted by: Christy Nicholas on 01/09/2013 - 1:09 PM

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.

 

Posted by: Harry Lamb on 01/09/2013 - 1:28 PM

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

 

Posted by: Nicholas Evans on 01/09/2013 - 2:05 PM

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

 

Posted by: Catherine G McElroy on 01/09/2013 - 2:17 PM

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.

 

Posted by: Leanne Howie on 01/09/2013 - 3:33 PM

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..

Photography Prints

New Series Bandelier Ladders in New Mexico

 

Posted by: Harry Lamb on 01/10/2013 - 2:42 PM

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

 

This discussion is closed.