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M

MikeF00

Hello. Is it considered unusual or 'a bit off ' to ask a plumber if he would accept a credit card payment before he starts the job.

I'm getting central heating system put in.

Quite a big lucrative job , surely he would insure the 3 or 4 % cost of credit card Payment ?
 
you will find most plumbers don't have the machine bigger companies will have one but they will charge you more.
 
smaller plumbing companies are now starting to get card machines. another alternative to consider is bank transfer directly into their account.
 
Almost all payments I take from customers now are by debit or credit card. I have a mobile card terminal that works on the GPS network and there is a quarterly charge. It saves customers (especially elderly ones) having large amount of cash lying about the house, plus it both eliminates cheques which I no longer accept and the money is paid into my account with acceptance from the credit card company, so I know then and there if the funds are available from my customer and won't bounce like a cheque can.

Here's the company I use:
Card Machines, Chip & Pin Terminals, Online Payments - CardSave
 
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too much of a risk especially with charge backs...

No one wants to do a job then 10 weeks down line, card company saying Sorry we can't pay this, customer is claiming agaist you...
 
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i prefere to be paid in old copper 2 pence coins......... worth more down the tat yard! 🙂

i think bank transfere is a good idea.
 
too much of a risk especially with charge backs...

No one wants to do a job then 10 weeks down line, card company saying Sorry we can't pay this, customer is claiming agaist you...
So do you expect to be paid cash every time? Practically every goods or services these days involves card payments, so you're talking nonsense. What's the alternative, a bounced cheque? I've never had one single problem, that's because I leave a first class fully guaranteed job, charge backs will only happen if you leave a pigs ear of a job.
 
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So do you expect to be paid cash every time? Practically every goods or services these days involves card payments, so you're talking nonsense. What's the alternative, a bounced cheque? I've never had one single problem, that's because I leave a first class fully guaranteed job, charge backs will only happen if you leave a pigs ear of a job.

had to charge back an on line butchers once, asked for a delivery of quality pork cuts to make a stock, when it came they had made a right pigs ear of the order! 🙂
 
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Personally I would never expect someone to do a job in my home home then expect them to accept payment by card. There again thats my opinion.
 
Personally I would never expect someone to do a job in my home home then expect them to accept payment by card. There again thats my opinion.
So how do you expect to be paid? I don't want my customers carrying the risk of having thousands of pounds lying around their house just to pay me! Cheques are worse and I feel insulted being offered one. Come on its the 21st Century and card payments have been around since the 1960's. Besides customers love the convenience.
 
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100 pounds a quarter robbery
I don't pay that.

The charge is offset against all your customers payments for that quarter. If all you do is 50 quid repairs, then card payments are not for you. However if your order value is high and in the thousands it's perfect. As soon as the card is inserted in the machine a credit check is made on it and you know then and there if the customer has enough cash in their account to pay you. You can't do that with a cheque.
 
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A fool and his money are easily parted
Next time you pay for your shopping in the supermarket, I hope you remember that. A fool doesn't get real and move with the times, or offer his customers alternative means of payment.
I can also take payments over the telephone with mine and have no worries over cash flow now. Can you say that?
 
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Why pay a third party, can you not get what you are owed. ie cheque, cash and transfer.
 
Why pay a third party, can you not get what you are owed. ie cheque, cash and transfer.
I've explained all that above. Cheques are archaic, can be dishonoured and at point of sale in someone's home, cannot be credit checked. I don't expect my customers to have thousands of pounds in their home when they can pay me by card, and as for bank transfer I have to wait (and sometimes remind them) to pay it. Ok I'm paying for a service, but I get paid immediately without sending out reminders and cost of doing so. Cash flow is no longer a problem.
 
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It's true though - you HAVE to move along with times. Card payments aren't even the future, they're the past. But The amount of tradesmen that don't hold this facility are losing out. And if you cant make enough profit to cover the £150 a year cost then your doing something terribly wrong
 
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I would love to see a major builder punch their number into a machine.
No difference there either, they have to pay suppliers on many ocasions with several company credit cards as they also do with hotel bills and entertaining prospective clients with business lunches.

When I did my council contract, all of their materials were purchased by credit cards.

As I said above I can also take payments over the phone, as do millions of businesses worldwide do as well.

Many retailers have a 2.5% surcharge on card payments (I don't) to cover the charges.

Do you really expect people to have to go to the bank in this day and age and have the hassle of withdrawing thousands just to pay you.
 
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Totally agree with system. Doesn't matter how big the company. It's all the same and they still use card machines and pay by card
 
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how much is the monthly fee for machine rental or whatever they charge you for?
That's negotiable with whatever payment plan is best suited to you. Bit like a monthly phone contract! Why not arrange a meeting with their local rep and find out? No obligation and you have nothing to lose.
 
System we will agree to disagree.
Some day when you get bumped for thousands you might consider moving into the 21st Century. Plus you're not offering your customers the benefit of having a convenient and alternative payment method than "going to a bank".
 
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One alternative to credit/debit card payments is to set up a business Paypal account and get paid that way. Be aware though that Paypal's fees are much higher than card machines, but either way you get paid.
 
Done it and didnt want to pay, besides still live in the 20th century where trust is a two way thing. And as I say will always collect
 
I must admit to being surprised at the debate. As a merchant, our preference would be in this order:

Debit card
Credit card
Cash
Invoice on account, paid by BACS
Invoice on account, paid by cheque
Cheque (on the spot)

I appreciate that our business processes are a bit different, but charge backs on cards are trivially small in comparison to bounced cheques, late or unpaid invoices. Large amounts of cash are a pain in the @ss.

Having said that, I would not be surprised if a tradesman didn't want to take a card - and if I wanted to pay that way, I would expect to check before the job started. However, if at the end of the job, he whipped out a card machine and offered to let me pay by card, I would be impressed.
 
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Thank you Ray, exactly what my point is. As for payment methods I've completely eliminated the last 3 methods on your list as I expect to (fairly) and promptly paid for my services upon completion of works.

Sadly Nicro3 "Done it and didnt want to pay, besides still live in the 20th century where trust is a two way thing. And as I say will always collect" may well prove to be your downfall one day when you get bumped for a large 4 figure sum.
 
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I'll contact my local Cardsave rep and if enough of you guys are interested, Ill secure a good discount for forum members.
 
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Luck has nothing to do with it. Have worked hard and now work as and when
"Lucky" as in your semi retired and you're in the position that you don't have the cash flow worries many other plumbers have. Not meant luck as how hard you've worked. I've worked hard all my life as well but I consider myself both lucky and fortunate to be in the position I am in now.
 
I'll contact my local Cardsave rep and if enough of you guys are interested, Ill secure a good discount for forum members.

All members interested PM me your email/contact details and I'll contact Cardsave. If we get enough names to get their interest, I'm certain I'll get a good discount, but the final package is the one that YOU chose.

There is also the company that Lee/Bod deals with as well but I know little of them.
 
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Not lucky have worked towards it. PLEASE READ POST
I meant lucky as in fortunate. PLEASE READ POST.

Swings and Roundabouts this, and off topic and I'm not getting drawn into a terminology debate, which is detracting from the helpful post I've offered above about those wanting a card machine. Please leave it alone and let it rest.
 
I think card save give tenner per introduction or may be more
Not to me they haven't and I've introduced quite a few guys.

I now find your comments very insulting when I'm trying to help others who would like this service. Go away.
 
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"Lucky" as in your semi retired and you're in the position that you don't have the cash flow worries many other plumbers have. Not meant luck as how hard you've worked. I've worked hard all my life as well but I consider myself both lucky and fortunate to be in the position I am in now.

You have what many plumbers lack System3, i.e. good business acumen.

Which is not a dig at anyone on this thread, if someone is in a position to pick and choose, fair enough.

But for anyone starting out and wanting to get established, you make a good role model System.

Making it easy for customers to pay is a basic necessity these days - it's good for business for a number of reasons, not least getting your money on the spot.

I don't like credit of any kind myself because I begrudge paying the interest, but a lot of people manage their finances these days by using credit cards, and there are some very good interest-free deals around, e.g. interest free for up to 16 months.
 
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I'll contact my local Cardsave rep and if enough of you guys are interested, Ill secure a good discount for forum members.

Count me in. Been looking at different card systems, trying to decide which is best suited to me. I'd be interested in sitting down with someone and negotiating a package that works. I agree totally - card payment is almost obligatory nowadays. Plus it makes a company look so much more professional and solid when they display the logos - it's not necessarily true, but it gives an impression of having some substance behind the company.
 
System does your card company offer nectar points or similar reward incentives like bods does? Im toying with the idea and am weighing up my monthly costs against customer benefits....
My typical custards price is not as high as yours but typically 2k towards for a heating install

Cheers

Kj

Sent from my GT-I9100 using Tapatalk 2
 
I've contacted CS and I'll forward on the details of each member who had PM'd me after I hear what discount they will offer. If their are any referal fees I am offered, these will be given to each member who signs up as a further discount.

No one is under ANY OBLIGATION at any time to sign up for anything. That's entirely YOUR choice if after the rep has visited you, that you want to go ahead.

Anyone else interested please PM me before Monday evening.
 
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If a customer isn't willing to pay by card, or give you cash then they obviously havnt got the funds to pay. FACT.
 
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So how do you expect to be paid? I don't want my customers carrying the risk of having thousands of pounds lying around their house just to pay me! Cheques are worse and I feel insulted being offered one. Come on its the 21st Century and card payments have been around since the 1960's. Besides customers love the convenience.

Cash or direct transfer. Like i said thats my opinion.
 
To all the guys who PM'd me their contact details;

CardSave rep was in my house tonight and the company are going to introduce a block discount for UkPlumber forum members. Expect to be individually contacted as well, as I forwarded all your contact details.

I have mentioned to them about becoming forum sponsors and they are really interested in this idea as well.

Best of luck and I hope you all get your card terminals and moreso up and running before burst pipe season in December!

Anyone else interested in portable card machines, there's still time, just PM me.
 
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My sober opinion of this is -- If you are a one man band and are doing the smaller type jobs or subbying to a builder check in great detail whether this is for you. If you employ staff who take cash it might be for you.,
 
My sober opinion of this is -- If you are a one man band and are doing the smaller type jobs or subbying to a builder check in great detail whether this is for you. If you employ staff who take cash it might be for you.,

I don't do much subbing, but I am a one-man band, doing smaller stuff, and a terminal would definitely help me. I do a lot of emergency callouts, and there's no way someone with a burst pipe is going to go to the cash machine at 3 AM, nor will they be too impressed if you ask them to log on to online banking and do a transfer. Pull out a card terminal, and nobody bats an eyelid...
 
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I don't do much subbing, but I am a one-man band, doing smaller stuff, and a terminal would definitely help me. I do a lot of emergency callouts, and there's no way someone with a burst pipe is going to go to the cash machine at 3 AM, nor will they be too impressed if you ask them to log on to online banking and do a transfer. Pull out a card terminal, and nobody bats an eyelid...
I ask you how many times on small jobs have you been knocked. If you keep getting trouble in collecting money maybe its for you. As far as 3 am callouts are concerned a customers card or cheque book might not be produced, collect later. Please do the sums with these cash machines
 
I ask you how many times on small jobs have you been knocked. If you keep getting trouble in collecting money maybe its for you. As far as 3 am callouts are concerned a customers card or cheque book might not be produced, collect later. Please do the sums with these cash machines

I appreciate your concern, and I do intend to do the sums very very carefully, as well as looking into how long I'd be tied in to a contract, or if it's one of the machines that you buy outright, then how much I'd be paying for data usage, repairs & maintenance, etc.

I haven't actually been knocked as yet (touch wood), but have often needed to send reminders and wait quite some time for payment, when people have in fact asked when I've finished the job "Do you take cards?" If I did, I'd have been paid there and then. There has to be some value attached to not having to send reminder emails chasing payment, not to mention the reduced likelihood of being knocked..
 
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Cash flow would be a benefit for me. I can do two or three bathroom jobs on the trot, each being 6, 7 or 8 days long. My banks only open Mon - Fri 9.30 to 16.30. Sometimes it can be a couple of weeks before I can hit the bank. Missed a few boiler repairs because I don't take cards. As long as the numbers add up I'll definitely be sorting one out.
 
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As your business grows you might well find a machine is the right thing for you. The thing to do is imho is to work out the cost of the machine against the cost of your time collecting monies going to bank etc.
 
My contract term is for 1 year or annually. There are no data charges. The sim for the mobile card machine is on O2, but the machine allows free roaming on other networks if a signal is weak. There is a quarterly charge and a small charge per transaction. This is offset against your sales, you include it in the price of each job or (I hate this one) have a 2.5% surcharge for paying by card as many shops do, but I would never do. Immediately after a customer inserts their card and keys their PIN, a credit check is sent to Streamline and you know there and then if they have enough funds to pay you and the payment is made. The machine then prints a receipt with your company name and both you and your customer get a copy each. The whole process takes about 2 minutes.

OR USE THIS METHOD, YOU CHOOSE...
Ask for payment by invoice, go back another time sometimes after several reminders to collect payment. Remember if you're on say £30 an hour as your rate, you're losing this having to chase money when you should be earning it on another job.

A card machine soon pays for itself and eliminates credit problems, chasing payments and cash flow problems. It also looks very professional when a customer sees the machine that you have.
 
Whats the cost per q/ter
That's the discount I'm getting from them and will hear back this week. I'll let you know full rates then.

Anyone interested in a mobile credit/debit card machine to take card payments from your customers, PM me and I'll forward your contact details to CardSave to secure our block discount.
 
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Personally I would never expect someone to do a job in my home home then expect them to accept payment by card. There again thats my opinion.

I wouldn't pay on a card if it was a smaller job like the two I've had done recently (rad install and a room skimmed).

However I don't have 3-4k laying around to get a new boiler installed and 5 new rads. I don't even have it in a bank account. Had I not been able to pay on a card then we simply wouldn't be getting it done.

I asked RBS to give us another 5k on our mortgage (we owe £177k on a £245k house) and they said they would be absolutly delighted... as soon as I paid £200 for a new valuation and £300 product fee and then 5.5% interest.

I went to Barclaycard online and in under 10 minutes had a 0% for 23 months Balance Transfer card winging it's way to my door.

Some will no doubt argue that we shouldn't get it done until we have the money in our hands.
 
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I wouldn't pay on a card if it was a smaller job like the two I've had done recently (rad install and a room skimmed).

However I don't have 3-4k laying around to get a new boiler installed and 5 new rads. I don't even have it in a bank account. Had I not been able to pay on a card then we simply wouldn't be getting it done.

I asked RBS to give us another 5k on our mortgage (we owe £177k on a £245k house) and they said they would be absolutly delighted... as soon as I paid £200 for a new valuation and £300 product fee and then 5.5% interest.

I went to Barclaycard online and in under 10 minutes had a 0% for 23 months Balance Transfer card winging it's way to my door.

Some will no doubt argue that we shouldn't get it done until we have the money in our hands.

I wouldn't care where the money is coming from as long as I got paid. And if you can pay for a new bathroom over 2 years interest free, why not?
 
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Card Save will be contacting all forum members that PM'd me their details. It's a 01476 number or some unusual looking code like that so you'll know when you get the call!
 
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Card Save will be contacting all forum members that PM'd me their details. It's a 01476 number or some unusual looking code like that so you'll know when you get the call!

Thanks for setting this up, mate, looking forward to his call..
 
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If I can get card payments sorted I'll stop taking cheques. They are a complete pain in the backside. I have to take an hour out of the day to pay them in and pay £1.50 to park. When it's only a small amount it costs me more to nbank it that the cheque is worth. At the moment I'm encouraging people to pay by BT but cards would be a lot easier.
 
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Sounds good this. I think I'm going to go this route as it give a much more professional front being able to accept cards..
To those concerned about chargebacks. If you only let customers pay by debit card then your good to go. No chargebacks with debit card payments. Once it's made it's made in my experience.
As for accepting credit cards. I think it's worth it in this day and age, as long as you think the customer is ok and have done a god job, I cant see a problem.
How much does it cost a quarter?
 
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If I can get card payments sorted I'll stop taking cheques. They are a complete pain in the backside. I have to take an hour out of the day to pay them in and pay £1.50 to park. When it's only a small amount it costs me more to nbank it that the cheque is worth. At the moment I'm encouraging people to pay by BT but cards would be a lot easier.
eh?
dont you have a secretary?
 
I am in the process of setting up with Payleven, a smartphone/app system. No rental, no contract, just 2.75% per transaction.
 
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I've got the Cardsave rep coming to see me tomorrow. Sounds like a good deal.


Sent from my iPad using Tapatalk HD
 
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This is a great debate. Personally i rarely ever carry cash around with me as i always use card for payment. My honest opinion is though (for what its worth), if any proffesional came to my house to carry out work for what ever reason, produced a card terminal, i would see it as making my life a whole lot easier. It would (for me anyway) offer a wow factor. I hate having to trug out to the cash point, and have to worry if my card is being cloned as i attempt to cover up the keypad.
 
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Hi System 3

Just signed up with cardsave and I know it going to save me a whole lot of Hassel and the rates a re very reasonable.
Thanks for the link Colin.

Bob
 
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Speaking of convenience. I wonder, How many customers would care to go to the trouble of wiring the funds? I have considered suggesting this, because I do not have a card machine. But so far I have not proposed it, again because I think it might be asking too much.
 
Well done guys for getting your Cardsave terminals. Makes life so much easier and it offers convenience for your customers.
 
I'm sitting in the cafe waiting for the Cardsave rep now. He's due at 2.30


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Haven't heard anything yet. But been in areas with poor phone signal.
So have I mate, there are a lot of mountains up here in Scotland too! A software update today from them has boosted my GPRS signal to work in most problem areas.

Cardsave have offered me £50 in High Street shopping vouchers for every new customer that I put their way and gets signed up. As I said earlier in this thread, I'm not interested in doing this for ANY gain apart from helping out other forum members. I am to be contacted again by their management with details of a block discount for forum members and they are also very interested in becoming forum sponsors. So I suggest that everyone who is successful in signing up with Cardsave, gets the £50 voucher instead of me. I'll have them contact the ones who have signed to do so.
 
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Haven't heard anything yet. But been in areas with poor phone signal.
I'll get the Regional Manager to contact you, probably best by email so you can arrange a time to speak with them.

Just checked Simon, you didn't send me your moby number only your email addy, so can you PM me it and I'll get them to phone you.
 
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I've signed up for 12 months with them. Apparently Colin is on his way to becoming a millionaire with the bonus from all these sign ups.


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