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10/02/12, 12:18 PM
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Goshen Farm
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Join Date: May 2004
Location: Zone 8a, AZ
Posts: 6,145
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Payment card processing...
Well Carp it is that time again. After a few years off DD would like to do craft shows here in the valley of the sun. So we need a payment processing service. Our web store as well as our ebay sales go though paypal. When I inquired as to their services they quoted about 30.00 per month plus 3.1 percent plus .30 cents per transaction. That seems really high to me when I look at expenses of her selling say 500.00 worth of product per month. I figure 20 transactions at 25.00 each would cost about 7.50 for transaction fees, 30.00 for service fee plus 15.50 for the 3.1 percent thing. That is 53.00 for 500.00 worth of sales which is about 11 percent?
Any one use anything less expensive?
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10/02/12, 01:36 PM
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Join Date: Mar 2010
Posts: 804
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If you have or are willing to get an Android, iPhone or iPad, you might want to check out Square.
https://squareup.com/
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10/02/12, 04:13 PM
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Join Date: Mar 2005
Location: Oklahoma
Posts: 646
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I vote square too.
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10/02/12, 05:14 PM
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Join Date: May 2010
Location: Central Iowa
Posts: 1,387
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If you don't have a smart phone, or don't want to go to that expense, check out Accept Credit Cards Securely. Credit Card Processing and Merchant Services | ProPay. I've used them for years.... At the level of Sales that I do, it costs me
Account Type:
Premium Plus
Processing Limits:
$500.00 / $3,000.00
Card Discount Rates:
Visa® 2.99 % + $0.30
MasterCard® 2.99 % + $0.30
Discover® 2.99 % + $0.30
American Express® 3.39 % + $0.30
Choose Your Account:
Account
Fee
Premium Plus $49.95
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10/02/12, 10:44 PM
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Moderator
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Join Date: May 2002
Posts: 9,511
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I don't own one, but if I needed one, I get Square, or something similar to that.
If you don't have a smart phone, can you buy a prepaid iPhone, and use it for transactions?
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10/03/12, 09:04 PM
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Goshen Farm
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Join Date: May 2004
Location: Zone 8a, AZ
Posts: 6,145
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Thanks all, after research (and refusing to get smart phone) I have gone with ProPay. I used their service about six years ago and they were very decent folks.
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10/12/12, 04:58 PM
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Join Date: Sep 2012
Location: SW WI
Posts: 38
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My wife and I use Square as well for her fashion business, and have been for 2 years - but if you don't have a smartphone, it won't do you any good. Glad that you found a solution though.
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10/14/12, 08:30 AM
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Join Date: Mar 2008
Location: West Michigan
Posts: 1,309
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I tried Flagship based off the reviews from the link you posted. After trying for three months, I just dropped them. I couldn't get the thing to work in "online" mode. They were great calling me back when it was my money and account information they wanted. Once they got it they disappeared like smoke in the wind. I always got voice mail when calling for help and never got a call back. One time I got lucky and the rep answered, sent me a link to solve my problem (which didn't) and she never called me back to see if it worked. My voice mail to her went unanswered. Absolutely NO follow up from customer service with these people. I would avoid Flagship if I were you.
__________________
~Carla~
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10/24/12, 08:31 AM
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2 ears 1 mouth 4 a reason
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Join Date: Oct 2009
Location: East Texas
Posts: 2,340
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I'm late joining this conversation but I used INTUIT for my brick & mortar but I've crossed over to Square. Just way less hassle and they deposit the money days faster than intuit (usually next day!). It's even worth getting a prepaid "fancy" phone just to have the ability to have the app. I got a prepaid droid phone from radio shack ($35 per month) plus the square device for $9.99 (also at Radio Shack) for one of my employees. It's just too easy to use. You can also log in cash payments into the program if you're at a tradeshow etc.
__________________
A closed mouth gathers no foot.
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10/24/12, 10:06 AM
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Join Date: Mar 2008
Location: West Michigan
Posts: 1,309
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I stopped into the local Apple store a few days ago to see which card reader they recommended for my Iphone 4S. They carry Square and are offering it free. I didn't get it because I wanted to research a little more but after all the positive comments here I think I'm going to go back and get one.
__________________
~Carla~
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11/29/12, 10:07 AM
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Join Date: Mar 2008
Location: West Michigan
Posts: 1,309
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Just wanted to update that I got the Square card reader for my Iphone. It works great and getting it was super easy. It was free, shipped to my door, free download App and they take their fee off the top then deposit into your account within 24 hrs. No hoops to jump through like Flagship. Signed up online, the card reader came in the mail a few days later, downloaded the App and was accepting credit cards within minutes. No "shipping" charges to get the reader, no monthly fees paid to third party "card service companies" and no monthly fees to the App provider. Heck I never even had to talk to a "customer service rep" like I did at Flagship. Flagship charged me $29.95 shipping for my "free" card reader, $7.95 month on top of the percentage they took plus I had to pay the App company $7.95 a month for using their App and another fee to "Merchant Services" of about $20.00 for using them. I had bills from three different companies under Flagship. I'm wondering if Flagship is a scam. Anyone here using it successfully? Or maybe I just had bad luck with them. Dunno. Pretty happy with Square....
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~Carla~
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12/01/12, 01:43 PM
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Join Date: Feb 2003
Location: Central Virginia
Posts: 2,550
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We got square a couple of months ago. We bought it at Walmart....I know I know, but when we activated the app they credited us with the cost and sent us another square reader.
It has worked well and the $$ get into the account quickly.
Alice in Virginia
__________________
There is nothing any worse than an angry little old lady, they've had a lifetime to learn all the dirty tricks and people get upset if you hit them!
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12/01/12, 02:13 PM
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Join Date: Jun 2002
Location: SE Washington
Posts: 1,406
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I will be needing a cc processor this coming year, been only taking cash and checks. I'll be using my Ipad2 and my question is, Id I don't have Internet access will The Square program store that info until I get home and can upload it then?
Bobg
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12/01/12, 02:31 PM
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Join Date: Feb 2003
Location: Central Virginia
Posts: 2,550
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You dont need internet access for square only telephone access. I use Sprint.
Alice in Virginia
__________________
There is nothing any worse than an angry little old lady, they've had a lifetime to learn all the dirty tricks and people get upset if you hit them!
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12/01/12, 02:57 PM
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Join Date: Jun 2002
Location: SE Washington
Posts: 1,406
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Quote:
Originally Posted by fellini123
You dont need internet access for square only telephone access. I use Sprint.
Alice in Virginia
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Alice,
I don't have a smart phone only my iPad, which doesn't have cell service.
Bob
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12/01/12, 03:19 PM
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Join Date: Feb 2003
Location: Central Virginia
Posts: 2,550
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Oh oh!! I think you need either a smart phone, or WiFi with your Ipad. Otherwise there no way to get the information where it needs to be.
Alice in Virginia
P.S. To the person that had Flagship, we had a friend that had that and she had all kinds of problems also. She dumped it for Square.
__________________
There is nothing any worse than an angry little old lady, they've had a lifetime to learn all the dirty tricks and people get upset if you hit them!
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12/29/12, 01:06 AM
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Registered Users
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Join Date: Dec 2012
Location: sc
Posts: 1
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Squareup.com I use it for my business. There is no monthly fee, on a percentage with every use. Its fairly low, I can't remember the percentage but the money is in your account the next day. You can use your cell phone, computer or IPad.
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03/11/13, 07:33 PM
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Registered Users
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Join Date: Mar 2013
Posts: 1
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Might want to check this out.
Take a look at and compare paypals credit card processor, which you can use to also accept checks and paypal payments
https://www.paypal.com/webapps/mpp/credit-card-reader
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