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  #11  
Old 01-16-2010, 12:57 PM
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Maybe something like this but on a half page so I would have 2 per page, and I could just tear 'em out.

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  #12  
Old 01-16-2010, 02:45 PM
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Originally Posted by justin_time View Post
How do you accept someone's credit card ? Do you use Paypal to do that ?
No we are set up at the bank my company deals with, the guys all have cell on them with a toll free IVR on speed dial, the call the IVR and basically 60 seconds or so later they are finished and on to the next job then I will compare a report the next day and compare the receipts to payments, we try to balance every day but that isn't always necessary so sometimes its once a week. Money is in the bank account in 24 hours or the next morning if called in by 11:00 pm in our time zone. I get a good rate it's 3.6%

I have paypal but that is for my woodworking business and Ebay.
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  #13  
Old 01-16-2010, 03:12 PM
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Originally Posted by picframer View Post
No we are set up at the bank my company deals with, the guys all have cell on them with a toll free IVR on speed dial, the call the IVR and basically 60 seconds or so later they are finished and on to the next job then I will compare a report the next day and compare the receipts to payments, we try to balance every day but that isn't always necessary so sometimes its once a week. Money is in the bank account in 24 hours or the next morning if called in by 11:00 pm in our time zone. I get a good rate it's 3.6%

I have paypal but that is for my woodworking business and Ebay.
I'd love to do this with Paypal, accept over phone, fax or e-mail

But they charge 35$/month

3.1% + $0.30 CAD which means $3.40 on every $100

I don't even know if it's worth it ?
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  #14  
Old 01-16-2010, 03:55 PM
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Originally Posted by justin_time View Post
I'd love to do this with Paypal, accept over phone, fax or e-mail

But they charge 35$/month

3.1% + $0.30 CAD which means $3.40 on every $100

I don't even know if it's worth it ?
Justin, Go talk to your local credit union, that is where my yard care company is, not one of the companies I own deals with the same bank, the credit union treats me very well.

Paypal would not fly where you live IMHO, I suspect based on your feedback most do not even know what Paypal is and if you tell them and they are over the age of 65, I am willing to bet the majority will balk like no tomorrow if they have not educated themselves.

Look at it this way also, I have no receivables and I haven't had any since I started, my woodworking company is the same way. in your example 3.4% of the sale is cheap insurance for the guarantee your money is in your account tomorrow. If you have to increase your price by 4%.

I know you are in a bit of a tough situation as your largest client is the school board, no matter where one is located, government is desperate slow to pay, I simply charge 19% interest on anything over 30 days calculated daily and it's clear on my bids and invoices, they pay it which is beyond me, what a waste of tax payer money.

We are doing snow work for the city and I know it will be 60 to 90 days before I get the cheque, whatever interest will accrue and I can carry the receivable as I know I will get paid and our retained earnings is pretty high at the moment.
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Old 01-16-2010, 04:22 PM
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Originally Posted by picframer View Post
Justin, Go talk to your local credit union, that is where my yard care company is, not one of the companies I own deals with the same bank, the credit union treats me very well.

Paypal would not fly where you live IMHO, I suspect based on your feedback most do not even know what Paypal is and if you tell them and they are over the age of 65, I am willing to bet the majority will balk like no tomorrow if they have not educated themselves.

Look at it this way also, I have no receivables and I haven't had any since I started, my woodworking company is the same way. in your example 3.4% of the sale is cheap insurance for the guarantee your money is in your account tomorrow. If you have to increase your price by 4%.

I know you are in a bit of a tough situation as your largest client is the school board, no matter where one is located, government is desperate slow to pay, I simply charge 19% interest on anything over 30 days calculated daily and it's clear on my bids and invoices, they pay it which is beyond me, what a waste of tax payer money.

We are doing snow work for the city and I know it will be 60 to 90 days before I get the cheque, whatever interest will accrue and I can carry the receivable as I know I will get paid and our retained earnings is pretty high at the moment.
I don't have a credit union.

I know what Paypal is.

I am willing to try it out if it's worth it but i don't even think it's worth it at the moment that's what i'm debating
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Old 01-16-2010, 04:38 PM
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Originally Posted by justin_time View Post
I don't have a credit union.

I know what Paypal is.

I am willing to try it out if it's worth it but i don't even think it's worth it at the moment that's what i'm debating
OK, Not sure what bank you deal with however, with Paypal your customer has to have a Paypal account also, that was my point, from what you said in the past most do not have internet so Paypal isn't going to work, i.e. you can take their credit card number and process a payment, both they and you have to have an account, I have this set up as mentioned but it's for the woodworking company I have as we ship world wide and I can accept any currency.

I use a company called UNPS to process my credit card payments in another business, they can help you out, I would give you my contact but she only looks after Atlantic Canada. Go to this page and give them a call and they will email a proposal after they ask you a few questions, I only accept Master Card and Visa, not American Express as the rate was too high.

http://www.unpsolutions.ca/english/aboutus.htm
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  #17  
Old 01-16-2010, 05:10 PM
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Originally Posted by picframer View Post
OK, Not sure what bank you deal with however, with Paypal your customer has to have a Paypal account also, that was my point, from what you said in the past most do not have internet so Paypal isn't going to work, i.e. you can take their credit card number and process a payment, both they and you have to have an account, I have this set up as mentioned but it's for the woodworking company I have as we ship world wide and I can accept any currency.

I use a company called UNPS to process my credit card payments in another business, they can help you out, I would give you my contact but she only looks after Atlantic Canada. Go to this page and give them a call and they will email a proposal after they ask you a few questions, I only accept Master Card and Visa, not American Express as the rate was too high.

http://www.unpsolutions.ca/english/aboutus.htm
I do have a business PayPal account for my business.

I know some don't have internet, that's why I'm trying to accept payments through phone, e-mail or fax.
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  #18  
Old 01-16-2010, 05:32 PM
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I do have a business PayPal account for my business.

I know some don't have internet, that's why I'm trying to accept payments through phone, e-mail or fax.
Then UNPS can help you as that is who we use for the woodworking business and at craft shows we just call the credit card number in, get an authorization number and the money is in my account within 48 hours tops. Their rates and service is excellent and trust me I check everything out, they are very good.
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Old 01-16-2010, 05:49 PM
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No we are set up at the bank my company deals with, the guys all have cell on them with a toll free IVR on speed dial, the call the IVR and basically 60 seconds or so later they are finished and on to the next job then I will compare a report the next day and compare the receipts to payments
What is that? IVR?
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  #20  
Old 01-16-2010, 05:58 PM
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What is that? IVR?
Interactive Voice Response) An automated telephone information system that speaks to the caller with a combination of fixed voice menus and data extracted from databases in real time. The caller responds by pressing digits on the telephone or speaking words or short phrases. Applications include bank-by-phone, flight-scheduling information and automated order entry and tracking.
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