Taking Credit Cards? You owe it to yourself!

What about doing everything on an iPad or computer with no credit card machine or swipe on the phone for online and brick and mortar businesses? One thing I am looking for is something for my shop to accept credit cards for detailing services but also for selling products online all in one. Seems that the monthly fees along with the percentage per charge is crazy and over a year of time is literally thousands of dollars (depending on how much you sell or are making)...
 
Also, for us Canadians, the biggest problem with Square and those types of merchant account providers is the lack of debit card (interac (where you use your bank card to pay and you have to input your PIN number, just like at a bank machine)) support.
 
WAS said:
Also, for us Canadians, the biggest problem with Square and those types of merchant account providers is the lack of debit card (interac (where you use your bank card to pay and you have to input your PIN number, just like at a bank machine)) support.
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You guys can't run debit cards like a Visa or MasterCard transaction? Here in the US I think most debit cards can be used like credit if a vendor doesn't do pinned EBT transactions.
 
C. Charles Hahn said:
You guys can't run debit cards like a Visa or MasterCard transaction? Here in the US I think most debit cards can be used like credit if a vendor doesn't do pinned EBT transactions.
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Nope, we don't have that debit/Visa or debit/MC feature. If you want to pay debit, or Interac, as in pay directly out of your bank account, you must use your bank's client card. In addition, the customer needs to input their bank card's PIN number into a pinpad before the transaction completed.



To further compound the issue for us Canadians, all credit and Interac cards are now being sent with smart-chip technology, like this:



card-visa-dividend-en.gif




221_BMO-World-Elite-MasterCard.png




So whether it's a credit card or Interac card, the customer MUST input a PIN for the transaction to be processed. The cards also stay inside the machine now, no more "swiping". So unfortunately for us Canadians, our banking industry evolves too quickly for things like Square to be viable.
 
I had no idea CC was that expensive to the vendor. 3%.... thats half of sales tax in most states... and this is for services in many cases, not products... just seems rather excessive imho
 
ed84108 said:
I had no idea CC was that expensive to the vendor. 3%.... thats half of sales tax in most states... and this is for services in many cases, not products... just seems rather excessive imho
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lol, that's why the credit card providers are so rich ;)



I totally forgot to mention that PCI compliance in Canada is also much stricter than in the USA. Another thing that stiffles our ability to be inventive in the industry.
 
Gotta love how everything is illegal in California, but charging more for using a credit card isn't. Lol.



I have Square, but have yet to have anyone want to use it. It was free and I don't detail that often anyway. I even advertise it when I sell stuff on Craigslist. I think most people just believe detailers only accept cash, especially when you're mobile or you work out of your garage.



I don't see a customer trying to pull a payment when using a c/c. If they did, I know where they live, lol.
 
i have been using square on my android phone for about 6 months now, never have had a problem, money is in my account 12-24 hrs

Reflections Detailing

Ocean Isle Beach,nc
 
Would square be okay for someone doing this on the side that isn't set up as an actual business? I don't do enough work IMO to set myself up as an actual business. I'm probably less that 2k a year doing this.



Sent from my HTC Sensation using Tapatalk
 
Shawn F. said:
Anyone look into Paypals new CC setup that you can use on your smart phone like Square or Intuit?
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I signed up to be notified when it comes out; I figure since I've already got a PayPal account it can't hurt to give it a shot.
 
I was going to make a new thread, but this fits in here just fine. PayPal is getting on the bandwagon with Cred Card Readers. They claim theirs is the only one that has an encrypted reader, not that I've heard of any of these readers having a security risk, the PayPal name is pretty well known and trusted. Flat 2.7% charge for it, so it's pretty standard.



https://www.paypal.com/webapps/mpp/credit-card-reader
 
Last I heard, it was slated for release at the end of the this month- I have spoken with the the tech guys that are running this new "event". I am on the list to get one ASAP since I already use PP for 99% of my transactions. Was going with square until I saw the add. Same prices I am told, but since I already have a PP account, it is easier. Plus, SQ runs a credit report and I don't like losing any credit points from a credit check (have been told it dings you a few points per check).



Rob
 
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