What Credit card reader and all that, do you all use?

[Logan]

So when i was looking at payment options, most/some might want to pay me with a credit card. So i was looking and i did see "square" offers some, but i've heard some bad things about them, And all the other's have bad reviews... So what do you all use/suggest?

(I see PayPal has one, but the reviews aren't that good on it either)

 

[Slaters Kustum Machines]

We don't have a retail store so we enter cards into RepairShopr, typically to be stored for monthly recurring invoices. We can also run them one at a time for one-off repairs as needed. For a retail store I would want a pin pad though.

 

[GTP]

I use Square. I have the contact reader and it works very well. Small enough t put in my pocket and take on site.
Links to my watch (phone) via bluetooth and is quick and easy.
I can send a receipt to the client immediately (although very few want it as their CC statement shows it anyway).

I can also take CC over the phone with the web interface. Many other options as well including building an inventory list.
They charge 2.2% but it's not a big hit for small purchases.

@add: Never had an issue...

 

[mraikes]

I've used Square for years. Never had a problem.

 

[ChrisTech]

I've used Square for years. Never had a problem.

+1 - not years but they have been efficient and I get my money quicker too.

 

[Porthos]

I like Paypal due to the 1% cash back on all purchases with the paypal debit card.

The card reader has worked flawlessly for the lastyearso far. https://www.paypal.com/us/webapps/mpp/credit-card-reader-how-to/chip-and-swipe-reader

 

[Diggs]

Are you going to get financial software? In my case I use QuickBooks Online and their GoPayment that allows me to take credit cards is part of the package. In turn, I only have a couple of charges a year. Most people in my market (small rural) understand that using their plastic costs me money and write a check or pay cash instead. I could decline credit cards all together and I don't think it would bother my business at all. Most of the credit cards are being used on emailed invoices since QB Online accepts them online also.

 

[Logan]

I see, well i have heard bad things from Square, but maybe i'll try it anyways since most of you suggest/use it~
(Even my boss irl uses it, though she has to swipe cards like 10 times to get it to go through, but i think that's her wifi)

Are you going to get financial software? In my case I use QuickBooks Online and their GoPayment that allows me to take credit cards is part of the package. In turn, I only have a couple of charges a year. Most people in my market (small rural) understand that using their plastic costs me money and write a check or pay cash instead. I could decline credit cards all together and I don't think it would bother my business at all. Most of the credit cards are being used on emailed invoices since QB Online accepts them online also.

I planned on getting Quickbooks, though I don't know which plan i would get, probably Simple or essentials to start.

 

[netgeek]

Other option is while onsite have them oay via zelle. They just have to register with their bank. Same day or next with most banks and no fees what so ever

 

[nerd2u]

I see, well i have heard bad things from Square, but maybe i'll try it anyways since most of you suggest/use it~
(Even my boss irl uses it, though she has to swipe cards like 10 times to get it to go through, but i think that's her wifi)




I planned on getting Quickbooks, though I don't know which plan i would get, probably Simple or essentials to start.

I had the same problem with the old style square reader it was embarrassing.

Went over to payd pro from moneris so I could do credit and debit.

Sent from my SM-G870W using Tapatalk

 

[Markverhyden]

Another thumbs up for Square. Been using it literally since it came out. Almost 10 years ago. Back then choices were few for mobile businesses and CC, at least economical choices. Never had a problem, even laundered it a couple of times and still works. The simple reader was, maybe still is free. But the chip reader is something like $50. They also have an included POS type of system which has also matured over the years. You can create sku's, generate reports, etc.

 

[GTP]

I've had zero issues with my Square Reader. Connects to my watch in seconds, Tap & Pay works first time every time, same for card insertion.
I tend to use the web interface more often now though as some clients struggle to input their PIN on the tiny screen ..

 

[timeshifter]

even laundered it a couple of times

Maybe you shouldn't be posting about laundering money in a public forum

 

[timeshifter]

98% of my revenue is paid by check either on-site for residential and some small business, and checks in the mail from my business customers. I pay my bank $50 / month or $600 / year for the privilege of doing their teller's job and scanning the checks at home with a commercial grade check scanner that they provide.

I rejected the idea of encouraging the use of credit cards for a long time, mainly because I didn't want to have to absorb the fees they take out. Then I begin thinking about $600 per year for my remote check deposit and wonder if maybe going all credit card would make sense.

People paying with credit cards don't feel the sting of cash or check buyers. And lots are happy to charge things up so they can rack up points. I've also heard a figure that people spend 14% more when paying by credit card.

 

[GTP]

My clients don't batter an eyelid at the CC fees. CC fees are charged everywhere now so people just accept it and move on.
The only thing that is a big no no and will get you sent to prison is if you charge a client more than you are being charged in CC fees.

 

[timeshifter]

My clients don't batter an eyelid at the CC fees.

What do you mean by that?

Do you mean that a) you charge a cc fee on top of your normal price or b) they don't care that it costs you 3%?

 

[brandont]

Square is great. I have had no problems. They have quick deposits, even instantly for an extra 1% fee. The typical fee is under 3% and is fair.

 

[Markverhyden]

My clients don't batter an eyelid at the CC fees. CC fees are charged everywhere now so people just accept it and move on.
The only thing that is a big no no and will get you sent to prison is if you charge a client more than you are being charged in CC fees.

In some States here it's against the law to have a cash price and then a credit price for a product or service. To be honest it would be a nightmare to keep up with a pricing system like that. With mandatory price labeling laws it makes a hard job that much more difficult.

 

[Porthos]

In some States here it's against the law to have a cash price and then a credit price for a product or service. To be honest it would be a nightmare to keep up with a pricing system like that. With mandatory price labeling laws it makes a hard job that much more difficult.

Just price all products and services as if they are using a card. If they happen to use cash or check more profit for you. Keeps you from worrying about loss from CC fees.

 

[Logan]

@Logan: Please don't let me be the one to dampen your enthusiasm but I've noticed that a lot of the questions you're asking have been dealt with here before, often several times. May I suggest that you spend some time in reading over the old threads here before asking "new" questions? There's an excellent search facility if you need specific information but you would do well just to browse all the available forums to see what people have already discussed to death - that's part of the reasoning behind the probationary period before you get access to the rest of the forums, you see.

We're happy to help but many of us have busy lives and time taken to answer a question that's already been answered is time we can't spend on making money or playing with kittens.

Thanks!

Ahh sorry, and okay, Thanks for telling me~