Credit Card Customers, Is It Worth It?

[leek]

I keep meaning to sort a machine out, it's just another job on the to do list. Having said that I rarely get asked if they can pay by card, most of my customers seem happy to do a bank transfer. Still get a couple of cheques a month though, mainly from older people.

Sure this has been discussed elsewhere but are they mostly just an outright payment to but then a percentage? Also guess would depend on Internet connection, it can be a bit patchy round here.

 

[Plumbstar Tom]

Times are changing so if you're not accepting credit cards now you will be reconsidering in the future. Its flexible for the customer and most other things can be bought on credit cards. Also they get some form of protection with Section 75.

 

[WaterTight]

I'd happily get / use one but the nudge hasn't been there because I so rarely get asked. But I do mainly smaller jobs.

 

[hammers4spanner]

I'd happily get / use one but the nudge hasn't been there because I so rarely get asked. But I do mainly smaller jobs.

I am in the same boat in fairness , not as yet needed one besides i have android and don't even know what system supports that.

 

[Nostrum]

We take cards via telephone through a web portal. Not had enough interest to buy portable machines so haven't bothered.

 

[jonnyswamp]

I've got the World pay zinc, cost £40 new from ebay
Haven't used it yet, but when I do it'll be well worth it
Custard pays the 2.75% charge, not you
Can't understand why anyone wouldn't have one TBH

 

[tomplumb83]

Surprised with the comments about cheques. Never use a cheque myself but most payments I receive are by cheque. From big national companies to small five minute jobs.
I get the odd customer ask about credit cards but theyre happy to pay by bacs.
Had a Paypal payment the other week. Im sure it cost me about 5%

 

[rpm]

Had a Paypal payment the other week. Im sure it cost me about 5%

Next time tell them and they could send it to "friend" which wouldn`t cost either of you a %

 

[tomplumb83]

Now you tell me!

 

[rpm]

Now you tell me!

Better late than never eh?

 

[ShaunCorbs]

Surprised with the comments about cheques. Never use a cheque myself but most payments I receive are by cheque. From big national companies to small five minute jobs.
I get the odd customer ask about credit cards but theyre happy to pay by bacs.
Had a Paypal payment the other week. Im sure it cost me about 5%

unless it gift (as rpm says) yes think its something like 3.5-4.75%

 

[hammers4spanner]

I've got the World pay zinc, cost £40 new from ebay
Haven't used it yet, but when I do it'll be well worth it
Custard pays the 2.75% charge, not you
Can't understand why anyone wouldn't have one TBH

Sometimes its easier if they get the boiler flue just give them the product codes they look online anyway and get same deal as us .
They get interest free creed card you get paid cash for your side and you stay away from VAT.

 

[Linkyplumb]

Have had my mobile chip and pin machine for 3 years now, and to be fair that is pretty much all I use now, except cash obviously and the very occasional cheque.

Costs me £22.50 a month, 0.2% fee on debit cards and 1.5% on credit cards. Has a roaming sim so has never struggled with picking up signal.

For me it was a no brainer, but not for everyone

 

[rpm]

Have had my mobile chip and pin machine for 3 years now, and to be fair that is pretty much all I use now, except cash obviously and the very occasional cheque.

Costs me £22.50 a month, 0.2% fee on debit cards and 1.5% on credit cards. Has a roaming sim so has never struggled with picking up signal.

For me it was a no brainer, but not for everyone

Are those % figures based on a minimum usage per month / year?, 0.2% & 1.5% sounds good.

 

[Linkyplumb]

No minimum use, as you are already paying a monthly fee anyway.

 

[rpm]

No minimum use, as you are already paying a monthly fee anyway.

Which company you using?

 

[Linkyplumb]

Payment sense

 

[Fallon1982]

Who cares if they pay on a credit card? I have a Worldpay mobile card terminal. Insert the card - They punch in there pin. It says pin accepted and the sale goes through there and then.
As long as its accepted there is no trouble. You would have more aggro with a cheque bouncing.

 

[Linkyplumb]

Who cares if they pay on a credit card? I have a Worldpay mobile card terminal. Insert the card - They punch in there pin. It says pin accepted and the sale goes through there and then.
As long as its accepted there is no trouble. You would have more aggro with a cheque bouncing.

Agree 100%,

 

[JCSPLUMBING]

I'm about to buy a machine, which is the best rated. When I ask for a transfer I always get that feeling of will they/wont they when I get home as they never do it there and then. I'm happy to get rid of that stress. I once had a guy I worked for on a Thursday and he said he would pay later that evening and he never paid until Monday morning and wouldn't answer the phone all weekend. It was about £1500 too.