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07-19-2009, 03:00 PM
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#1
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World Champion
Trade:
Painting
Join Date: Feb 2006
Location: OKC
Posts: 133
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Accepting Credit Cards w/ iPhone?
Anyone doing this? If so, what app are you running and how do you handle the processing fees with customers?
thanks
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07-19-2009, 03:32 PM
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#2
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JumboJack for president!
Trade:
Hilti walking billboard
Join Date: Oct 2007
Location: Ohio
Posts: 635
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The Blackberry Storm has this app as well, but you have to have an account with a company to accept the transactions anyhow. Appears to be a gimmick, might help if you for on demand stuff, but i don't know how well it work. I didn't download app, because i am skeptical.
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07-19-2009, 04:04 PM
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#3
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Chief Toilet Mover
Trade:
Bathroom Remodeling
Join Date: Apr 2004
Location: Littleton, Colorado
Posts: 11,758
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Quote:
Originally Posted by gcajnr21
Anyone doing this? If so, what app are you running and how do you handle the processing fees with customers?
thanks
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What choices are there for how you handle the processing fee that aren't in violation of the TOS of your merchant account other then eating it?
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07-19-2009, 04:23 PM
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#4
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Pro
Trade:
Painting Contractor
Join Date: Dec 2004
Location: Toronto
Posts: 1,825
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Sure,
I use the iphone to call in the credit card number 
That's convenient enough isn't it?
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07-19-2009, 09:45 PM
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#5
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World Champion
Trade:
Painting
Join Date: Feb 2006
Location: OKC
Posts: 133
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Quote:
Originally Posted by Mike Finley
What choices are there for how you handle the processing fee that aren't in violation of the TOS of your merchant account other then eating it?
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Why couldnt you tell the customer that if they want to pay by card, that there would be a 2% extra charge. That would cover your end for the transaction fee.
If you dont have a iphone running an app for processing cards then why would you reply on this thread?
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07-19-2009, 09:45 PM
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#6
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World Champion
Trade:
Painting
Join Date: Feb 2006
Location: OKC
Posts: 133
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Quote:
Originally Posted by George Z
Sure,
I use the iphone to call in the credit card number
That's convenient enough isn't it? |
Seriously?
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07-19-2009, 10:06 PM
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#7
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Crash Test Dummy
Trade:
Landscaping
Join Date: Jan 2008
Location: Kauai
Posts: 2,037
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Quote:
Originally Posted by gcajnr21
Why couldnt you tell the customer that if they want to pay by card, that there would be a 2% extra charge. That would cover your end for the transaction fee.
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That would be a violation under almost all merchant account TOS.
Quote:
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If you dont have a iphone running an app for processing cards then why would you reply on this thread?
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I don't have an iphone running that app. I don't even have iphone. But I replied to this thread anyway.
HAA-HA
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07-19-2009, 10:08 PM
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#8
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Professiona Instigator
Trade:
Design Build Remodeling Contractor Washington, DC
Join Date: Nov 2007
Location: Washington, DC/ Maryland
Posts: 6,546
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Tell them you have to charge state sales tax on the transaction
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07-19-2009, 10:14 PM
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#9
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World Champion
Trade:
Painting
Join Date: Feb 2006
Location: OKC
Posts: 133
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[quote=ChainsawCharlie;726080]That would be a violation under almost all merchant account TOS.
Didn't know that. Why would they care, as long as they get paid. Lame
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07-19-2009, 11:18 PM
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#10
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Crash Test Dummy
Trade:
Landscaping
Join Date: Jan 2008
Location: Kauai
Posts: 2,037
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You want a logic and reason from a CC company?
Add 5% to all your bids,then offer a 5% discount if they pay by cash or check. Now you're not charging extra for taking credit cards.
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07-20-2009, 12:38 AM
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#11
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Chief Toilet Mover
Trade:
Bathroom Remodeling
Join Date: Apr 2004
Location: Littleton, Colorado
Posts: 11,758
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Quote:
Originally Posted by gcajnr21
Didn't know that. Why would they care, as long as they get paid. Lame
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Hardly lame. They are in the business of getting consumers to use their credit card and they don't want consumers to have to pay more to use them.
If you want the benefit of accepting credit cards you agree to the credit card companies wishes on how they want to run their company.
You can't charge a consumer more for using the card, you can't require a minimum charge amount. If the customer wants to charge 2 cents you have to accept it, and you can't ask for ID either. As long as the cards signature space is signed and the customers signature looks like a resonable match you can't ask for ID.
Last edited by Mike Finley; 07-20-2009 at 12:42 AM.
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07-20-2009, 01:08 AM
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#12
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Member
Trade:
home improvements and renovations
Join Date: Nov 2007
Location: BC , Canada
Posts: 77
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Most credit card companies supply their customers with cheques to use against their account if I do a job and the customer wants to pay with credit card I take a check and it costs me no extra.
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07-20-2009, 01:21 AM
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#13
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Multi-tradesman defender
Trade:
Handyman
Join Date: Mar 2009
Location: Tracy, CA
Posts: 390
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I'll have to look and see if the app will work with Paypal. I rarely take credit cards, I gladly pay Paypal for the convenience. Anything I can do to increase the chances of customers choosing me over someone else.
I am used to a previous business where I paid a 10% commission to outside sales people, so eating 2% of a transaction is no big deal. Also, we have discount coupons available in many areas, so we are used to losing a percentage of many of our sales.
__________________
"You can shear a sheep every year, but you can only skin him once!" Remember that when dealing with your customers and pricing.
http://www.yourhandymansite.com
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07-20-2009, 03:49 PM
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#14
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Insert title
Trade:
Doors-Windows-Decks
Join Date: Apr 2006
Location: MA&RI
Posts: 4,556
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I'm using the Merchant Warehouse app. The rates are ok, the monthly fee is low, and the app is free.
Setup with them sort of sucks, after I filled out all of the paperwork it took a week before I could actually charge someone using my phone. The process on the phone only takes maybe a minute and then you wait just a second or two for approval. Overall I give them a thumbs up so far.
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07-20-2009, 05:53 PM
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#15
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Member
Trade:
finishing carpentry
Join Date: Feb 2009
Location: VA (originally from Hungary)
Posts: 33
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I have Iswipe in my iphone. Never activated.... Mine is unlocked and jailbroken. I can download all the apps free and install it. Let me know if you want the .IPA file for the Iswipe or anything else... Just save it in the computer and double click on it and goes automatically in your aplications file, and just sync it and you done. (YOUR PHONE MUST BE AT LEAST JAILBROKEN AND HAVE MOBILEINSTALLATION INSTALLED ON IT) I can get the 90% of the apps on itunes FREE. Here is the screen shoot of the app:
Last edited by kpall312; 07-20-2009 at 06:05 PM.
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07-26-2009, 06:32 PM
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#16
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God Bless America
Trade:
Electrician
Join Date: Dec 2006
Location: Rahway, New Jersey
Posts: 3,400
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^^
Isn't that like stealing?
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08-03-2009, 11:08 AM
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#17
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#1 stunner
Trade:
Design/Build
Join Date: Nov 2008
Posts: 323
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Quote:
Originally Posted by Magnettica
^^
Isn't that like stealing?
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No, sticking it to the man.
__________________
Will do autocad/ 3d work for food. 
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08-03-2009, 11:16 AM
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#18
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Crash Test Dummy
Trade:
Landscaping
Join Date: Jan 2008
Location: Kauai
Posts: 2,037
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Law of averages says you stick it to someone, eventualy someone is going to stick it to you.
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08-03-2009, 11:44 AM
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#19
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Think it Draw it Build it
Trade:
WA STATE GC Specialized in Structural Framing
Join Date: Jun 2007
Location: Lynden, Washington
Posts: 1,620
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Quote:
Originally Posted by ChainsawCharlie
Law of averages says you stick it to someone, eventualy someone is going to stick it to you.
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Carma.
Karma.
I can't spell it..but I have seen it and it seems to be some kind of universal force.
__________________
WallMaxx, Inc. 
Think it. Draw it. Build it.
Gun control is like trying to reduce drunk driving by making it tougher for sober people to own cars..
>>>>>libertas<<<<<
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08-03-2009, 12:34 PM
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#20
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#1 stunner
Trade:
Design/Build
Join Date: Nov 2008
Posts: 323
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Quote:
Originally Posted by ChainsawCharlie
Law of averages says you stick it to someone, eventualy someone is going to stick it to you.
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Keep lubricate on hand.
Quote:
Originally Posted by wallmaxx
Carma.
Karma.
I can't spell it..but I have seen it and it seems to be some kind of universal force.
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Does it come from the Jedi knights?
ps........ It's karma.
__________________
Will do autocad/ 3d work for food.
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