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How many take credit cards and how many don't?
I recently switched merchant account companies but they started adding fees that weren't agreed upon. After 5 unreturned phone calls, I emptied my business' bank account so they couldn't make anymore drafts. The owner then calls this morning, says he will remove the fees and email me a copy of the contract. That was several hours ago and he hasn't returned 2 phone calls since. I think I may have to close my bank account and start over. They can send us a return label for their machine, if they want it back. I get tired of people who don't call back but get extra nervous when they can make drafts on my bank account.
-------------------- Wayne Webb Webb Signworks Chipley, FL 850.638.9329 wayne@webbsignworks.com Posts: 7403 | From: Chipley,Florida,United States | Registered: Oct 1999
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-------------------- Leaper of Tall buildings.. If you find my posts divisive or otherwise snarky please ignore them. If you do not know how then PM me about it and I will demonstrate. Posts: 5273 | From: Im a nowhere man | Registered: Jul 2001
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We have a retail clothing store and our sign and screen printing shop. Retail we have to take credit cards. However, EVERY sign or screen printing job I say 'We appreciate cash or check, if you would like to use a debit or credit card there is a 3% charge as that is what my bank charges me to process them. Whichever you would like to do" Not one complaint. Customer - business or even retail clothing customers know nothing is free. In fact half the people buying clothing ask if we take credit cards, and I say 'I would appreciate a cash or check, but you are welcome to use your card if need be". I do not charge them. I reason that I am giving a discount, especially on screen printed items anyway based on the quantity purchased, I'm not going to lose another 3%. No one in business can go to the bank and get a 3% loan. The very few who have said they would like to use a card did so (I believe anyway) so they could spread out the sign payment or large screen printing order, and have no problem with the charge. It took me quite awhile to just get over it and come up with a reasonable diplomatic way to say it.
-------------------- Mick Samsel Creative Services Cherokee, IA Posts: 498 | From: Cherokee, Ia USA | Registered: Jan 1999
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We have a retail clothing store and our sign and screen printing shop. Retail we have to take credit cards. However, EVERY sign or screen printing job I say 'We appreciate cash or check, if you would like to use a debit or credit card there is a 3% charge as that is what my bank charges me to process them. Whichever you would like to do" Not one complaint. Customer - business or even retail clothing customers know nothing is free. In fact half the people buying clothing ask if we take credit cards, and I say 'I would appreciate a cash or check, but you are welcome to use your card if need be". I do not charge them. I reason that I am giving a discount, especially on screen printed items anyway based on the quantity purchased, I'm not going to lose another 3%. No one in business can go to the bank and get a 3% loan. The very few who have said they would like to use a card did so (I believe anyway) so they could spread out the sign payment or large screen printing order, and have no problem with the charge. It took me quite awhile to just get over it and come up with a reasonable diplomatic way to say it.
-------------------- Mick Samsel Creative Services Cherokee, IA Posts: 498 | From: Cherokee, Ia USA | Registered: Jan 1999
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I use Square because I get a credit card every 3 -6 months. Everybody else wants a monthly fee, and I can't see paying a fee for something I am not using. Square charges higher rates than most, but when you remove the monthly fee, it comes out pretty close. I also add for using a credit card.
-------------------- Don Hulsey Strokes by DON signs Utica, KY 270-275-9552 sbdsigns@aol.com
I've always been crazy... but it's kept me from going insane. Posts: 2274 | From: Utica, KY U.S.A. | Registered: Jan 1999
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I also use the square and wouldn't use anything else. I was getting charged rediculous fees with a credit card company....even being charged a monthly fee for not enough activity.
-------------------- Patricia A. Raap Raap Signs 2615 Arthur Coopersville, MI 49404 616-677-0158 pat@raapsigns.com Posts: 575 | From: Coopersville, MI 49404 | Registered: Nov 2003
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I am using a local bank for my merchant services. I was using an out of state bank but I also had a problem with the excessive fees. Now I can just call my local rep that I see regularly and she gets things straight - no excessive fees and good service. I am probably the only one who doesn't use square but I just feel safer going with someone local. My fees average a little over 3% on transactions and I pay a monthly service charge around $15. I keep my merchant account in a different bank from my regular business accounts and I don't keep much balance in that account.
-------------------- Jean Shimp Shimp Sign & Design Co. Jacksonville Beach, Fl Posts: 1266 | From: Jacksonville Beach, Fl. USA | Registered: Nov 1998
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Update. The "Vice President" who signed us up. still has not returned any calls (6) and has apparently now either blocked my emails or closed his email addy because I'm getting Mailer Daemons now. I closed my business bank account so they can't make any drafts or cost me any stop payments. The monthly bills had cleaned it out anyway. I will just open another one.
The other guy, owner, finally sent a cellphone photo of the "contract" and it says we are "subject to" a termination fee of $550. I sent the owner and Vice President termination emails with termination letters, then the "VP" blocked me and the owner hasn't responded.. I will be trying out Square. Thanks for the help everyone.
[ December 18, 2015, 04:05 PM: Message edited by: Wayne Webb ]
-------------------- Wayne Webb Webb Signworks Chipley, FL 850.638.9329 wayne@webbsignworks.com Posts: 7403 | From: Chipley,Florida,United States | Registered: Oct 1999
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I use the 'cube' from US bank and have had excellent results. 2.9% fee is fine. Rather pay it than have to go to the bank to make a deposit....I know I could do online banking with a photo of the check, but too much hassle remembering all the usernames and passwords.
Actually, if we really want to defeat ISIS, all they need to do is change their passwords and make them call some 900 number to change them. Charge them $10 a minute and I bet they would retreat back to their caves.
I did get a new cell phone and the switch-over has been a nightmare with forwarding my former email addresses. usernames and passwords! This techno world is getting too hard for us maul stick users any more.
-------------------- Preston McCall 112 Rim Road Santa Fe, New Mexico 87501 text: 5056607370 Posts: 1552 | From: Santa Fe, New Mexico | Registered: Nov 1998
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