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Re: Accepting credit cards

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Adam H. Kerman <ahk@chinet.com> wrote:
> smr <me@shawnritchie.com> wrote:
>>On Wed, 10 Jun 2015 20:23:57 +0000 (UTC), Cydrome Leader wrote:
>>>Adam H. Kerman <ahk@chinet.com> wrote:
> 
>>>>Aside from PayPal, does anyone else have recommendations for accepting
>>>>credit cards for a nonprofit organization?
> 
>>>https://squareup.com/
> 
>>>Have used it for years with no problems.
> 
>>This. Fuck PayPal forever, they're shit.
> 
> Just for a laff, I called the bank. They're processing rates are 2.1% credit
> card and 1.79% debit card, plus 20 cents per transaction for authorization,
> plus a fraction of a percent to accent credit cards without the physical
> card to swipe. I told them some ridiculous number that I might hit in a
> month if I know what I'm doing, after lots of trial and error (mostly error).
> But they want two years of financials, kind of hard to do when you've never
> accepted a credit card.
> 
> Squareup wants 2.75% for credit cards; I don't spot the debit card rate.
> Even AmEx! The bank told me I'd have to pay AmEx $8.95 per month till I
> got some sort of significant volume, as AmEx does its own processing.
> 
> Squareup sounds like a good deal. Thanks C.L. and shawn.

Square really is a no BS sort of deal. There's never the typical what 
cards do you want to accept ala carte fees like with typical merchant 
processors. Imagine paying $20 extra a month to have the privilege to 
maybe swipe a discover or amex card. That's how it used to work.

When I had a normal merchant account with access to the internet payment 
gateway, metal plates for an card imprinting machines (no idea why they 
kept sending that junk to me or what prison they were made in) and all 
that jazz, Wells Fargo was pretty good. You will get nickle and dimed, or 
more like tenned and twentied with incessant bullshit feeds like the 
annual security self audit, which was only $40 at the time, plus the 
discount rate doubles for corporate cards and crap like that. It's just 
not worth the hassle these days unless you have a really good reason to 
need it.

If you take square payments over the phone, there is an additional, tiny 
charge. You do need to enter the card into an android or apple phone or 
tablet as they do not have a PC based virtual terminal. The card swipe 
devices that plug into a phone are free these days. You can create an 
online store and let people key in their own card info at no extra charge.

We never got international cards to work though, big deal. That stuff is 
sketchy to start with though.

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Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-06-10 20:15 +0000
  Re: Accepting credit cards Cydrome Leader <presence@MUNGEpanix.com> - 2015-06-10 20:23 +0000
    Re: Accepting credit cards smr <me@shawnritchie.com> - 2015-06-10 15:56 -0500
      Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-06-10 21:42 +0000
        Re: Accepting credit cards Cydrome Leader <presence@MUNGEpanix.com> - 2015-06-10 23:22 +0000
      Re: Accepting credit cards Bruce Esquibel <bje@ripco.com> - 2015-06-11 12:58 +0000
        Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-06-12 13:55 +0000
        Re: Accepting credit cards Cydrome Leader <presence@MUNGEpanix.com> - 2015-06-12 21:22 +0000
        Re: Accepting credit cards Brent <tetraethylleadREMOVETHIS@yahoo.com> - 2015-06-22 16:52 +0000
  Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-06-29 02:59 +0000
    Re: Accepting credit cards Mark Anderson <mea@nospambradnylion.com> - 2015-06-29 11:30 -0400
      Re: Accepting credit cards Mark Anderson <mea@nospambradnylion.com> - 2015-06-29 15:04 -0400
        Re: Accepting credit cards Cydrome Leader <presence@MUNGEpanix.com> - 2015-06-29 20:33 +0000
          Re: Accepting credit cards Geoff Gass <glg@tanzenmb.com> - 2015-07-02 22:30 +0000
            Re: Accepting credit cards Bruce Esquibel <bje@ripco.com> - 2015-07-03 10:13 +0000
              Re: Accepting credit cards Geoff Gass <glg@tanzenmb.com> - 2015-07-03 13:46 +0000
              Re: Accepting credit cards Mark Anderson <mea@nospambradnylion.com> - 2015-07-03 13:33 -0400
                Re: Accepting credit cards Bruce Esquibel <bje@ripco.com> - 2015-07-04 12:30 +0000
                Re: Accepting credit cards nobody@[127.0.0.1] (DWT) - 2015-07-04 18:05 +0000
                Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-07-04 18:32 +0000
                Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-07-06 18:47 +0000
                Re: Accepting credit cards smr <me@shawnritchie.com> - 2015-07-06 16:32 -0500
                Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-07-06 23:14 +0000
                Re: Accepting credit cards smr <me@shawnritchie.com> - 2015-07-07 09:31 -0500
                Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-07-07 15:35 +0000
      Re: Accepting credit cards Geoff Gass <glg@tanzenmb.com> - 2015-07-03 13:47 +0000
    Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-06-29 20:25 +0000
      Re: Accepting credit cards Cydrome Leader <presence@MUNGEpanix.com> - 2015-06-29 20:31 +0000
        Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-06-30 02:10 +0000
      Re: Accepting credit cards "Adam H. Kerman" <ahk@chinet.com> - 2015-06-30 02:12 +0000

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