Credit Card Payments

[BigpappaJ]

I am wondering what everyone uses for accepting Cred Card payments on site? Who have you found has the best rates? Easiest to deal with? I would like to do this, and am just looking for a little feedback. Thanks!

 

[rapidcom]

Personally I use SquareUp. No monthly fees and okay %s. I opted for this because I do not take enough credit card paymets monthly, most pay by check or cash, to justify a monthly fee.

Edited due to stupidity.

 

[dgiles79]

I use SquareUp aswell. No upfront costs or monthly fees, works out great for me.

 

[BigpappaJ]

Thanks for the replies, I checked out Squareup and they seem to offer good rates, since there is no transaction fee, and no monthly which is great.

Edited to hide generous posters stupidity

 

[rapidcom]

I tried doing a direct search on the forums, but didn't find much, maybe I looked in the wrong spot I see what I can find though. Thanks for the replies.

Edited my original post. I had a brief stupid moment. There wern't as many as I originally thought.

My apologies.

 

[techroc]

Does anyone use PayPal for online payments?

 

[Hampden Comp]

Another happy square up user. I use the scanner in my iPad and android phone. Very slick, customers think it's pretty neat also!

 

[AFCSOFME]

I recently moved to Square Up, as much debate and cheap fees as I can find with a vendor to claim they do, I still find I can pay a statement fee here, or something else there. If one had serious volume, it would be worth looking into, it was brought to my attention that by going to Square, I was paying a higher processing fee, which is true but assuming the card is swiped, my percentage increased by less then 1% per transaction, plus I don't have a statement fee, a monthly fee, or pay an extra fee if I don't meet volume requirements. Square is cut and dry, the only extra thing I need to do is transfer the funds to my bank account, no big deal, what PayPal purchases I get off the store I am doing this already anyways, it is just another minute well worth spending for the money I am saving.

 

[jeubank]

I do a mix of Square Up / Fast Spring / First Data right now. Square Up is great for customers On-Site with the IPAD tool Fast Spring to sell Software through, and First Data for the Virtual Terminal credit card over the phone type of deal for remote services, or in-house computer charge.

 

[rsarceno]

I use SquareUp for the same reason but for online payment I use Paypal because it's not offered by SquareUp - Both doesn't have monthly fee and no minimum

I like the feature of Paypal online where it only hold the deposit. After I perform the work, I can either process the payment or do partial return.

Roel
________________________________________________________
Sarceno Network Consulting
http://www.snccomputerrepair.com/

 

[datadatau]

Square up for us in the field, and the pos system at our shop/drop off point with our partner.

 

[spgat]

Hello..
We use fifth third banks processing solutions. We have no monthly fee and rates are decent. Also gives us a complete solution in a single vendor for in store, web, and onsite. They also allow us to have a branded gift card program.

 

[RichmondTech]

Square Up here as well. I was going to look into CC processing from BJ's Wholesale Club since I recently got a membership there, but the varying rates might deter me. I like Square's flat rate with no misc fees.

 

[dogskool]

Does anyone use PayPal for online payments?

Yes, I canceled all my other online merchant accounts and let Paypal deal with it all. Paypal lets the customer choose to use their Paypal account or use a credit card. PayPay accepts all the major Credit Cards as well.

They also offer subscription billing, which is nice for collecting monthly or yearly payments. It all automated, I never have to send any reminders for payments.

 

[techroc]

Yes, I canceled all my other online merchant accounts and let Paypal deal with it all. Paypal lets the customer choose to use their Paypal account or use a credit card. PayPay accepts all the major Credit Cards as well.

They also offer subscription billing, which is nice for collecting monthly or yearly payments. It all automated, I never have to send any reminders for payments.

I agree, I can just generate and send an invoice through PayPal if needed, to accept payments that way. I also can display the payment page on-site where the client can enter their information using their own computer or internet connection. Just for security reasons or breaches that can happen I wouldn't want to swipe cards on-site, but rather have them input their information through PayPal.

Different things work for different people, SquareUp seems to be good but I don't know how secure it is as it links up credit cards, peoples information, bank account info etc etc. PayPal is its own bank account which is pretty cool. Plus you can put 'buy now' or 'pay now' customized payments with options that can be accessed from your website.

 

[jeubank]

I agree, I can just generate and send an invoice through PayPal if needed, to accept payments that way. I also can display the payment page on-site where the client can enter their information using their own computer or internet connection. Just for security reasons or breaches that can happen I wouldn't want to swipe cards on-site, but rather have them input their information through PayPal.

Different things work for different people, SquareUp seems to be good but I don't know how secure it is as it links up credit cards, peoples information, bank account info etc etc. PayPal is its own bank account which is pretty cool. Plus you can put 'buy now' or 'pay now' customized payments with options that can be accessed from your website.

Pretty Secure - doesnt save customer's card data to the ipad (so if it gets stolen, no biggie). I use the Wifi Network whenever possible, i suppose, the off chance (1 and a million) there neighbor has infilitrated there wireless network and has a packet sniffer on it, that the card might just be compromised. However, Has the agreement with square up shows. We are not responsible for such issues.

I like first data because of the low fees. 2.29 % + 25 cents. Square up is a little high for me. However Paypal.. ugh.. They take so much on the process. then they take more with getting the money (based upon what you choose).

 

[Frick]

I tried square up and they were good, then I went to intuit gopayment and have been even happier.

This what made the difference for me: if needed you can pre-authorize credit card charges on their web portal. When I am not on-site but doing a remote fix from my computer, I preauthorize the customers credit card so I know the charge will go through when I actually capture funds after the fix is complete.

Square has no webportal that allows you to actually run transactions (only void and refund).

Also, the rates on gopayment for amex/discover are slightly better depending on how you look at it

 

[BigpappaJ]

It actually looks like the Gopayment option from Intuit is better than the Square option... no monthly fee, no transaction charge, and the % is 2.7 instead of 2.75.

How do people handle payments when the customer isn't on site? Such as over the phone or after doing some remote work?

I could go with Intuits payment options within QB... but that's another $20 a month, on top of the Gopayment I would use which I would pay the $12 a month to get the lower rates for. So for being able to do CC payments from anywhere, I would be putting out $32/month+transaction fees... But at the same time, there is something to be said for having everything be provided by the same company.

Any feedback on how people approach this?

Thanks for all the info so far everyone, I appreciate it!

 

[Frick]

You get access to intuits merchant web portal with a gopayment account. You can type in the charge on the web page and run it from there. That is how I run charges over the phone. I am very happy with gopayment after previously using square

 

[BigpappaJ]

Oh ok, that sounds good then, I was thinking I would have to buy the addon for QB in order for that too happen... Does Gopayment tie into QB at all... or would it be just as easy to use any other financial software?