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Discussion Starter · #1 ·
Hi,

I know this topic has been covered, but the threads are a bit older now and the tech keeps on changing. I'm trying to decide on a mobile cc payment option for my new window & door co. BUT it seems like every one of the payment options has terrible reviews (square, paypal, intuit, etc). ANYONE with a good mobile payment service??? BTW - I have a droid, if that makes a difference.

Thanks for any advice!
Jeff
 

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Talking Head
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It's the nature of online reviews. If it's a large corp. then people will right a bad review, or many, after one bad experience but never even think about writing a positive review if they've haven't had a problem after years of use.
 

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Home Repairs
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291 Posts
Hi,

I know this topic has been covered, but the threads are a bit older now and the tech keeps on changing. I'm trying to decide on a mobile cc payment option for my new window & door co. BUT it seems like every one of the payment options has terrible reviews (square, paypal, intuit, etc). ANYONE with a good mobile payment service??? BTW - I have a droid, if that makes a difference.

Thanks for any advice!
Jeff
Hi Jeff!

I use the Droid & the "Square". They do take out 2.75%. The money usually hits my account within 36-48 hours. I have not had a single problem using the system. I have been using it for about 7 months and used it probably a dozen times. It has landed me a few jobs with clients who found out that I accept credit cards. Some where a little short in thier checking accounts but needed the work done asap, I ended up with the work when a few other handymen didn't have the CC payment option. I do tell them ahead of time that I add the 2.75% if they choose to use me.
 

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I prefer customers that can afford to pay by cheque.
I don't want to do credit cards.
But I have been asked.
 

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Discussion Starter · #8 ·
So the Square is winning...

I'm a bit surprised at the 100% "Square" response. But this is great, thank you for advice and info everyone. It'll be interesting to see if any other payment systems make the list, but it's starting to look sort of obvious. I'm hoping cc payments are few and far between, but I need to be ready for them. A discount for cash or check payments might push them away from cc.

Thanks all!
 

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90%-er
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Been using square for at least two years. Never had a single issue.

I know for a fact that we have taken on several jobs from people who probably couldn't afford to pay by cash but wanted the work done anyway. I figure they're going to spend it on someone, it might as well be me.

I think it makes me look small-time to add 2.75 or 3% just because they're using a card, so I approach this from the other direction and offer a small discount for cash payments. I Iike the absolute certainty and plain old physical feel of cash, but am glad for the work, however folks want to pay for it
 

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Head Light Bulb Changer
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I was in the same boat trying to decide what type of CC reader to get (or to even get one). I ended up getting a Square. I've only used it once, but so far so good. Money was in the account the next day. That client is like me - like's to pay with American Express whenever possible to accumulate Delta Sky Miles. Lots of people like to use their CC's for points/rewards. Myself included. I just add a 'Convenience Fee' on CC transactions.
 

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Vendor
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Intuit Go Payment

I use intuit go payment with my Android and have used it for around 3.5 years now. Always great and never had any issues to date. I probably do maybe 3 sales a month via CC on average ranging from service call work to complete projects. If I recall the percentage is less with Intuit also and funds usually post within 48-72 hrs.
 

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Square over two years, no problem. Don't expect customer service. I am able to contact them because I saved my original email communication when I set it up. Otherwise customer service phone or email contact is nowhere to be found.
 

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Square here too. Don't often use it for renos but often for smaller repair jobs. I like that can use the app over phone or in person with the reader. Can't legally charge more for payment via CC so I factored (per my budget) the estimated Square commissions for the year in to my overheads as it's another cost of doing business.
 

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Rectangle Ware-Ever Pay: mobile processing

Yes MVMJeff, if you are in search of a mobile payment company that is similar to square, then look at Rectangle.

Cheaper rates, next day funding on my transactions, and none of my larger transaction have been frozen for the the 30 day period that Square did. The agent came to my shop to fill out the paperwork. Easy

In short, they're a contractor's company. Their business model is really designed for anyone that is out in the field. The support line actually works too, no one ever answered at Square.
 

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Home Repairs
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Yes MVMJeff, if you are in search of a mobile payment company that is similar to square, then look at Rectangle.

Cheaper rates, next day funding on my transactions, and none of my larger transaction have been frozen for the the 30 day period that Square did. The agent came to my shop to fill out the paperwork. Easy

In short, they're a contractor's company. Their business model is really designed for anyone that is out in the field. The support line actually works too, no one ever answered at Square.
First time I've heard about company. Will have to do some research on them in case I ever get tangled up with Square.
 

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Discussion Starter · #16 ·
Got the Square

Thanks all, I ended up with the Square...for now. I'll see how it goes. The Rectangle will be the second choice if this doesn't work out. I just wanted something relatively hassle-free. Got the little square doodad and will give it a test drive.

Thanks for the advice, helped me and I hope it helps others!
jeff
 

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Make sure you set up with them so you don't have a delay in payment if you exceed the limit. It's been so long I can't remember what the limit is, but it is easy to get it removed. They just want to make sure they are dealing with a real company.

I've used them for several years and never a problem with them.
 

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I believe that, in Canada, it is illegal to pass on the 2.75% fee to the consumer. I remember hearing abut this on the news last year as some new laws were enacted in 2013 re this. I don't know what the USA law on this is.

I suppose Canadian contractors who accept credit card payments can get around this law by adjusting their markups by 2.75% and then giving a discount for cash payments like onmywayup mentioned. The point being, however, is that you cannot openly state that you are passing on the credit card provider's merchant fee on to your customer.

Maybe someone who knows more can confirm re Canadian (and/or USA) consumer protection law.
 

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I believe that, in Canada, it is illegal to pass on the 2.75% fee to the consumer. I remember hearing abut this on the news last year as some new laws were enacted in 2013 re this. I don't know what the USA law on this is.

I suppose Canadian contractors who accept credit card payments can get around this law by adjusting their markups by 2.75% and then giving a discount for cash payments like onmywayup mentioned. The point being, however, is that you cannot openly state that you are passing on the credit card provider's merchant fee on to your customer.

Maybe someone who knows more can confirm re Canadian (and/or USA) consumer protection law.
I don't know if it's a law but that use to be the policy for CC companies. That's why computer stores have their "normal" price as a discount price...
 

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R. Manning Jr. Millworks
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218 Posts
I believe that, in Canada, it is illegal to pass on the 2.75% fee to the consumer. I remember hearing abut this on the news last year as some new laws were enacted in 2013 re this. I don't know what the USA law on this is.

I suppose Canadian contractors who accept credit card payments can get around this law by adjusting their markups by 2.75% and then giving a discount for cash payments like onmywayup mentioned. The point being, however, is that you cannot openly state that you are passing on the credit card provider's merchant fee on to your customer.

Maybe someone who knows more can confirm re Canadian (and/or USA) consumer protection law.
I have heard from a couple different people that you can not charge a credit card fee in the U.S. Only the gasoline company's can do that.
 
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