Accepting Credit Cards

[The Major]

Personally, I would try calling them. They are very slow to respond to email

[jammon]

My wife and I have been using ProPay since June of this year and have been really happy with it. No problems at all.

[wildrose]

I've heard back from ProPay now and think that's who I'm going to go with. It seems to be just what I need.

[MADMAX22]

Careful with paypal as if they decide to audit your account they can freeze all funds that are related to it. Including the checking/savings account associated with it. Not sure if this correlates to business's but Im sure that something similer does.

It doenst seem to happen very often but if someone complains to paypal that they got burned by you then they can freeze accounts to audit them and any money in that account will not be accesible.

[cdthayer]

Careful with paypal as if they decide to audit your account they can freeze all funds that are related to it. Including the checking/savings account associated with it....

Good point. We have PayPal and we set it up with a special checking account just for PayPal transactions, plus backed it up with a personal credit card that we can shut down quickly and doesn't have anything to do with our business account.

We also have a Merchant Account through our local bank. It costs more than some of the independent companies, but it's handy for no more credit cards than we take. We just have "Voice Authorization", so we have to punch everything in on the phone, but it doesn't care if it's a cell phone or a landline. We generally don't get authorization during the sale when at shows, but call them in later. It depends on the amount of the sale. But we usually call the authorization in each time at the store, and on a speaker phone so the customer can hear everything for themselves. They can hear why it takes the time we spend, and the customer is in the loop if there's a problem. Haven't had any complaints yet, and the regular customers usually spend the time browsing the merchandise close by (sometimes increasing sales).

[Big Papa Leather]

I use Propay and have for almost 3 years now.

Only thing I dislike is it takes 3 days to do anything.

3 day to recieve your money.

3 days to transfer to bank account.

Using the debit card eliminates the 3 day transfer deal.

I just started using the card reader and it has been very convenient.

Allen

[wildrose]

I've gotten set up with ProPay and will begin using them this weekend. The payment time delay is an issue, but weighing it against other concerns, I think I'll take it. I've not gotten their reader yet, but am considering it at a future point.

[bruce johnson]

I have just started looking into this deal too. Some of these processing deals are nuts. My local banks has enough fees, charges, and set ups that even with the lower percentage I am about $400-600 behind the 8 ball to start every year. It really looks like the Propay deal from what I can read is a better deal than the virtual terminal from Paypal. A few good testimonials for it here. From the other side of the coin, has anyone had a bad experience??