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I accept credit cards but unfortunately the fees do add up at end of the month. However, I don't want to give it up since many of my customers like to pay with a credit card.
I accept them but i let them know there's a up charge. I explain to them that to keep estimates low i don't include the % of CC transactions as most people don't pay by card. If you have that many customers paying with card though i would include that into your estimate or price and even if they don't pay by card you make a little extra on the job that way.
 

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I raised my prices by $4 per hour when I started accepting credit cards earlier this year..i also raised my markup on small parts from 200% to 300% to cover it....

about 33% of my homeowner service calls are now credit card

all costs for a business are paid for by the customer.....that 3% shouldn't come out of your pocket

if your doing small jobs (under $1,000) I think credit cards are expected by homeowners

I only acccept them on the small jobs (under $1,500)
 

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I usually try to figure out right at the start how a customer plans on paying, if its through paypal, then I factor in the extra cost to the job. I don't worry about it to much on smaller jobs 2-6$ loss isn't going to kill me if I didn't know they wanted to use a credit card to pay.
 

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Cash and checks only for me.
just be aware there may be some customers who hire you not knowing your cash/check and may not use you again or refer you because you don't take credit card....in todays world everyone accepts credit card

it took me 7 years to realize this

your not going to lose the 1st job over it, but you most likely are losing repeat business from people who want painting, but cant afford it yet
 

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Check the laws in your state. In Maine it is illegal to charge a credit card transaction fee. However, you are allowed to give a cash discount and you can have the fees figured into your normal pricing.
It's legal to set minimum amounts for credit card purchases and, as of last year, it's legal to charge for the transaction fee.
 

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that might be true in your state, but not here. That's why I said you need to check your state laws. In Maine it is illegal to charge a transaction fee unless you are a municipality.
Who comes right out and puts on the invoice a transaction fee for using a credit card, just build it into the cost, perfectly legal.
 
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