Type of payments

Hello,

I take Visa, Master, Ca$h and cheque. I was thinking of taking Interac (Debit) and get one of those portable wireless terminals. Dose anyone take debit, is it worth it? Now 70% cheque 20% cash 10% credit cards. Had a few cheques that did not work. It�s more work to get paid after a bad cheque than it was to clean the carpet in the first place. I thinking of taking debit instead of cheques for that reason. What do you think?

A closed mind is like a closed book; just a block of wood

forget 3-5% you can get it below 1.8% if you shop around and $0.15 for interac

(or join an association that has many member benefits.)

I take Visa and Master card right now so that will not be an extra cost. The rental of the terminal will cost more and the debit is not much to pay to stop bad cheques. The new terminal will also be faster for the credit cards than the way I am doing it now. (By phone and imprinter) Dose anyone take debit, and is it working out for you?

I hear that more people use debit in Canada than the US I think it is about 50% here. I don�t want to be the last one to get it and it might be good for marketing.

A closed mind is like a closed book; just a block of wood

You should pay closer attention to the expire dates then???

Just My opinion

I find out how they will be paying up front. If they are using a card I add 3% into the bill.

CCT, UFT, OCT, CRT, RRT, WRT, SMT, FSRT, JTC, JSR, JWR, MTC a great life, if you don't weaken.

I dont think charging extra for using a visa, mc etc is a good idea as that will violate your merchant agreement with ccard companies.

Think about this for a moment. Carpet cleaning is something clients plan to do ahead of fime. Simply ask the client ahead of time how they are planning to pay. If they do want to pay Ccard then take a slip with you. You dont need the extra expense of renting a mobile card reader.

If you are a smaller company then just phn it in when you are back at the office. We never have a prob, just make sure you double chk the numbers you wright on the slip. Doing this way you wont be able to do interac, howver that has never been a prob for us. American express charges way to much for their service. Anyone that has an amex also has a visa and or mc. Dont wast your money with them, besides they take forever to deposit to your bank.

Take the advise to join a local association like the BBB or Chamber. This will get you a much better rate on your merchant account. Just make sure before you sign up how long it takes before your money shows up in your account. Some take far to long.

To you Success!

"Dusty"

Stephen Roberts

Stephen (DUSTY) Roberts
The inventer of the Rugbadger Dry Soil Seperator for Loose Rugs!
Bug, Allergen, Dirt and Grit Eliminator for Rug Renovating.

Yes.

We love interact.

Costs much less then visa or mc. Amex rate just hurts.

Dusty.

Stephen (DUSTY) Roberts
The inventer of the Rugbadger Dry Soil Seperator for Loose Rugs!
Bug, Allergen, Dirt and Grit Eliminator for Rug Renovating.

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spruce Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 08/April/2004 Location: Canada Status: Offline Points: 102	Post Options Post Reply Quote spruce Report Post Thanks(0) Quote Reply Topic: Type of payments Posted: 11/October/2005 at 10:23pm
	Hello, I take Visa, Master, Ca$h and cheque. I was thinking of taking Interac (Debit) and get one of those portable wireless terminals. Dose anyone take debit, is it worth it? Now 70% cheque 20% cash 10% credit cards. Had a few cheques that did not work. It�s more work to get paid after a bad cheque than it was to clean the carpet in the first place. I thinking of taking debit instead of cheques for that reason. What do you think?
	A closed mind is like a closed book; just a block of wood

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Adwa Members Profile Send Private Message Find Members Posts Add to Buddy List Queen of the Board Joined: 05/March/2004 Location: Canada Status: Offline Points: 4568	Post Options Post Reply Quote Adwa Report Post Thanks(0) Quote Reply Posted: 11/October/2005 at 10:36pm
	Spruce For peace of mind....you will have to figure out for yourself if it's worth it. On every transaction you would be charged 3% to 5% depending on your bank and then you would have to pay a rental fee per month. As a homeowner I would think it would be a great convenience for myself if I was offered that option. If you do get it and the customer does not want to use it and would prefer to write a cheque......chances are they have no money in the bank.....
	The Following Statements do not Necessarily Reflect the Views of this Forum Network http://www.kleenkuip.com

dennis_is_ok Members Profile Send Private Message Find Members Posts Add to Buddy List Carpet Cleaning Specialist Joined: 02/August/2005 Location: Canada Status: Offline Points: 460	Post Options Post Reply Quote dennis_is_ok Report Post Thanks(0) Quote Reply Posted: 11/October/2005 at 10:40pm
	forget 3-5% you can get it below 1.8% if you shop around and $0.15 for interac (or join an association that has many member benefits.)

cmaster Members Profile Send Private Message Find Members Posts Add to Buddy List IICRC Instigator Joined: 29/January/2004 Location: Canada Status: Offline Points: 29693	Post Options Post Reply Quote cmaster Report Post Thanks(0) Quote Reply Posted: 11/October/2005 at 11:43pm
	I was at 1.75% for Visa and MC. They just raised it to 2%

spruce Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 08/April/2004 Location: Canada Status: Offline Points: 102	Post Options Post Reply Quote spruce Report Post Thanks(0) Quote Reply Posted: 12/October/2005 at 12:25am
	I take Visa and Master card right now so that will not be an extra cost. The rental of the terminal will cost more and the debit is not much to pay to stop bad cheques. The new terminal will also be faster for the credit cards than the way I am doing it now. (By phone and imprinter) Dose anyone take debit, and is it working out for you? I hear that more people use debit in Canada than the US I think it is about 50% here. I don�t want to be the last one to get it and it might be good for marketing.
	A closed mind is like a closed book; just a block of wood

Steaminpile Members Profile Send Private Message Find Members Posts Add to Buddy List Master Carpet Cleaner Joined: 04/February/2004 Location: Canada Status: Offline Points: 1155	Post Options Post Reply Quote Steaminpile Report Post Thanks(0) Quote Reply Posted: 12/October/2005 at 11:47am
	cash or cheque here I've had 2 cheques go bad in the last 3 years (knock on wood)
	A.K.A. Andy

doug Members Profile Send Private Message Find Members Posts Add to Buddy List King of the One Liners Just My opinion Joined: 31/January/2004 Status: Offline Points: 32711	Post Options Post Reply Quote doug Report Post Thanks(0) Quote Reply Posted: 12/October/2005 at 4:16pm
	You should pay closer attention to the expire dates then???
	Just My opinion

spruce Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 08/April/2004 Location: Canada Status: Offline Points: 102	Post Options Post Reply Quote spruce Report Post Thanks(0) Quote Reply Posted: 13/October/2005 at 3:16am
	I've had 5 cheques go bad in the last 4 years. Total = $1,800 all NSF (Not Sufficient Funds) this is a lot of fun when it is a move-out clean. I got back $1,200 but the time it takes is a pain in the @ss.
	A closed mind is like a closed book; just a block of wood

Advantage Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 22/May/2005 Location: United States Status: Offline Points: 158	Post Options Post Reply Quote Advantage Report Post Thanks(0) Quote Reply Posted: 14/October/2005 at 9:30pm
	I find out how they will be paying up front. If they are using a card I add 3% into the bill.
	CCT, UFT, OCT, CRT, RRT, WRT, SMT, FSRT, JTC, JSR, JWR, MTC a great life, if you don't weaken.

duckcountry Members Profile Send Private Message Find Members Posts Add to Buddy List Master Carpet Cleaner Joined: 29/October/2005 Location: USA Status: Offline Points: 1082	Post Options Post Reply Quote duckcountry Report Post Thanks(0) Quote Reply Posted: 31/October/2005 at 4:45pm
	Seniors are more than likely going to use checks. They like the old way of doing things. Rather than charging a surcharge for checks or CC to cover costs, NSF and chargebacks I would take a positive approach and just offer a huge incentive for Ca$h. By huge, I mean anywhere from 5% to 15% should motivate the customer. If someone still wants to write a check and not take advantage of the savings I would call the bank on my cell phone before leaving to verify funds. Especially if you made the offering when quoting the job.
	Are you in a high paying business or are you just a self employed low paid grunt who thinks this business provides dignity?

badgerman steve Members Profile Send Private Message Find Members Posts Add to Buddy List Newbie Joined: 02/June/2005 Location: Canada Status: Offline Points: 12	Post Options Post Reply Quote badgerman steve Report Post Thanks(0) Quote Reply Posted: 10/November/2005 at 9:56am
	I dont think charging extra for using a visa, mc etc is a good idea as that will violate your merchant agreement with ccard companies. Think about this for a moment. Carpet cleaning is something clients plan to do ahead of fime. Simply ask the client ahead of time how they are planning to pay. If they do want to pay Ccard then take a slip with you. You dont need the extra expense of renting a mobile card reader. If you are a smaller company then just phn it in when you are back at the office. We never have a prob, just make sure you double chk the numbers you wright on the slip. Doing this way you wont be able to do interac, howver that has never been a prob for us. American express charges way to much for their service. Anyone that has an amex also has a visa and or mc. Dont wast your money with them, besides they take forever to deposit to your bank. Take the advise to join a local association like the BBB or Chamber. This will get you a much better rate on your merchant account. Just make sure before you sign up how long it takes before your money shows up in your account. Some take far to long. To you Success! "Dusty" Stephen Roberts
	Stephen (DUSTY) Roberts The inventer of the Rugbadger Dry Soil Seperator for Loose Rugs! Bug, Allergen, Dirt and Grit Eliminator for Rug Renovating.

spruce Members Profile Send Private Message Find Members Posts Add to Buddy List Senior Member Joined: 08/April/2004 Location: Canada Status: Offline Points: 102	Post Options Post Reply Quote spruce Report Post Thanks(0) Quote Reply Posted: 14/December/2005 at 2:40am
	Well I just got my Interac up and running. So far this week interac 75% cash 25% credit cards 0% It cost me $0.12 per interac and the $ is there @ 11pm that day. So far so good.
	A closed mind is like a closed book; just a block of wood

badgerman steve Members Profile Send Private Message Find Members Posts Add to Buddy List Newbie Joined: 02/June/2005 Location: Canada Status: Offline Points: 12	Post Options Post Reply Quote badgerman steve Report Post Thanks(0) Quote Reply Posted: 14/December/2005 at 2:51am
	Yes. We love interact. Costs much less then visa or mc. Amex rate just hurts. Dusty.
	Stephen (DUSTY) Roberts The inventer of the Rugbadger Dry Soil Seperator for Loose Rugs! Bug, Allergen, Dirt and Grit Eliminator for Rug Renovating.

duckcountry Members Profile Send Private Message Find Members Posts Add to Buddy List Master Carpet Cleaner Joined: 29/October/2005 Location: USA Status: Offline Points: 1082	Post Options Post Reply Quote duckcountry Report Post Thanks(0) Quote Reply Posted: 14/December/2005 at 12:53pm
	I use quickbooks running on a laptop with a battery powered printer and a USB credit card scanner that I purchased from Intuit (makers of QuickBooks) for less than $90. Using my merchant account, QuickBooks automatically prints the receipt after processing the credit card. I simply borrow the customer's phone line to do the dialup connection. While I am sure everyone can think of some situation where such a solution wouldn't work the fact is it does work in nearly every customer's home. Sure makes my job easier. And the cost is minimal for the efficiency I have with my solution.
	Are you in a high paying business or are you just a self employed low paid grunt who thinks this business provides dignity?

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Type of payments