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Accept Credit Cards?

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	Accept Credit Cards? by George Tiller :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Today I was told by a new Federal Government (NIH) client that it would be much easier for them to pay me for custom development if I accepted credit card payments. Something about recent changes in how they process small procurements. Do any of you currently accept credit card payments? What card companies offer small vendors the best deals? George Tiller 911 East A Street Brunswick, Maryland 21716 301-834-8170 ******************************************************************** Final days - Save up to 20% when upgrading from 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Lyn-3 :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message PayPal should work for you George. Kind of nice in that you can send a payment request and it's pretty easy for the end-user. - Lyn On Mar 19, 2009, at 8:51 PM, George Tiller wrote: > Today I was told by a new Federal Government (NIH) client that it > would > be much easier for them to pay me for custom development if I accepted > credit card payments. Something about recent changes in how they > process > small procurements. > > Do any of you currently accept credit card payments? What card > companies > offer small vendors the best deals? > > > > George Tiller > 911 East A Street > Brunswick, Maryland 21716 > 301-834-8170 ******************************************************************** Final days - Save up to 20% when upgrading from 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Lee Hinde-2 :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message What's their percentage at PayPal? I mean, how much do they keep? On Mar 19, 2009, at 6:57 PM, Lyn wrote: > PayPal should work for you George. Kind of nice in that you can send > a payment request and it's pretty easy for the end-user. > > - Lyn > > > On Mar 19, 2009, at 8:51 PM, George Tiller wrote: > >> Today I was told by a new Federal Government (NIH) client that it >> would >> be much easier for them to pay me for custom development if I >> accepted >> credit card payments. Something about recent changes in how they >> process >> small procurements. >> >> Do any of you currently accept credit card payments? What card >> companies >> offer small vendors the best deals? >> >> >> >> George Tiller >> 911 East A Street >> Brunswick, Maryland 21716 >> 301-834-8170 > ******************************************************************** Final days - Save up to 20% when upgrading from 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Mehboob Alam-5 :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Beware of PayPal chargeback rules.. they can be pretty arbitrary and harsh, and I've read some horror stories.. On Thu, Mar 19, 2009 at 10:02 PM, Lee Hinde <leelists@...> wrote: > What's their percentage at PayPal? I mean, how much do they keep? > > On Mar 19, 2009, at 6:57 PM, Lyn wrote: > >> PayPal should work for you George. Kind of nice in that you can send a >> payment request and it's pretty easy for the end-user. >> >> - Lyn >> >> >> On Mar 19, 2009, at 8:51 PM, George Tiller wrote: >> >>> Today I was told by a new Federal Government (NIH) client that it would >>> be much easier for them to pay me for custom development if I accepted >>> credit card payments. Something about recent changes in how they process >>> small procurements. >>> >>> Do any of you currently accept credit card payments? What card companies >>> offer small vendors the best deals? >>> >>> >>> >>> George Tiller >>> 911 East A Street >>> Brunswick, Maryland 21716 >>> 301-834-8170 >> > ******************************************************************** > Final days - Save up to 20% when upgrading from > 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html > > 4th Dimension Internet Users Group (4D iNUG) > FAQ: http://www.4d.com/support/faqnug.html > Archive: http://lists.4D.com/archives.html > Unsub: mailto:4D_Biz-Unsubscribe@... > Post: mailto:4D_Biz@... > Options: https://lists.4d.com/mailman/listinfo/4d_biz > ****************************************************************** > -- m\|a ****************************************************************** Final days - Save up to 20% when upgrading from 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Alexander Heintz :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Even worse, ho much do they charge for processing transfers to your account? I did accept PayPal for EBay sales and in total it did cost me about 6-7% of the total value. I like PayPal from the byer side, as seller I do mot accept it anymore. I do ot know for the US, but here in Germany most large ISPs offer Payment processing services, or else ust ask your bank! Cheers Alex > What's their percentage at PayPal? I mean, how much do they keep? > > On Mar 19, 2009, at 6:57 PM, Lyn wrote: > >> PayPal should work for you George. Kind of nice in that you can >> send a payment request and it's pretty easy for the end-user. >> >> - Lyn >> >> >> On Mar 19, 2009, at 8:51 PM, George Tiller wrote: >> >>> Today I was told by a new Federal Government (NIH) client that it >>> would >>> be much easier for them to pay me for custom development if I >>> accepted >>> credit card payments. Something about recent changes in how they >>> process >>> small procurements. >>> >>> Do any of you currently accept credit card payments? What card >>> companies >>> offer small vendors the best deals? >>> >>> >>> >>> George Tiller >>> 911 East A Street >>> Brunswick, Maryland 21716 >>> 301-834-8170 >> > ******************************************************************** > Final days - Save up to 20% when upgrading from > 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html > > 4th Dimension Internet Users Group (4D iNUG) > FAQ: http://www.4d.com/support/faqnug.html > Archive: http://lists.4D.com/archives.html > Unsub: mailto:4D_Biz-Unsubscribe@... > Post: mailto:4D_Biz@... > Options: https://lists.4d.com/mailman/listinfo/4d_biz > ****************************************************************** ****************************************************************** Final days - Save up to 20% when upgrading from 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Lyn-3 :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message We've used PayPal for 5 years and have never had any issues. For low volume transactions over the past 12 months, it looks like we pay around 3.1 to 3.3% in transaction fees. So, for example, if you collected $150, PayPal would get $4.65. Officially, PayPal charges 1.9% to 2.9% + .30 USD per transaction. The more transactions per month and bigger overall balance, the less PayPal charges. We wrote a payment gateway in 4D that bypasses PayPal's rather confusing generic payment screens for a high-volume customer that accepts around 300 transactions per month. They consistently pay 2.3% to 2.4% total per transaction. Plus, if they leave a minimum balance in PayPal's account, they get a little back through a money market fund - I think it yields around .32%. - Lyn On Mar 20, 2009, at 4:18 AM, Alexander Heintz wrote: > Even worse, ho much do they charge for processing transfers to your > account? > > I did accept PayPal for EBay sales and in total it did cost me about > 6-7% of the total value. > > I like PayPal from the byer side, as seller I do mot accept it > anymore. > > I do ot know for the US, but here in Germany most large ISPs offer > Payment processing services, or else ust ask your bank! > > Cheers > > Alex ******************************************************************** Final days - Save up to 20% when upgrading from 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	RE: Accept Credit Cards? by NELIX :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Paypal is a little on the expensive side. We provide merchant accounts at very low rates, have our own gateway, have 4D code available for easy integration into your database (you can download the code for review here - http://wwww.transaxdevelopers.com/4d) and have 4D developers on staff to help with integration. If you're interested e-mail me and I can share some info with you and show you a demo of our gateway. Sincerely, Matt Schwartz -----Original Message----- Message: 1 Subject: Re: Accept Credit Cards? Date: Fri, 20 Mar 2009 10:18:37 +0100 From: Alexander Heintz <listreader@...> To: 4D Biz <4d_biz@...> Message-ID: <4E0B2714-BAEA-4561-8A2C-21FD5A865665@...> Even worse, ho much do they charge for processing transfers to your account? I did accept PayPal for EBay sales and in total it did cost me about 6-7% of the total value. I like PayPal from the byer side, as seller I do mot accept it anymore. I do ot know for the US, but here in Germany most large ISPs offer Payment processing services, or else ust ask your bank! Cheers Alex > What's their percentage at PayPal? I mean, how much do they keep? > > On Mar 19, 2009, at 6:57 PM, Lyn wrote: > >> PayPal should work for you George. Kind of nice in that you can >> send a payment request and it's pretty easy for the end-user. >> >> - Lyn >> >> >> On Mar 19, 2009, at 8:51 PM, George Tiller wrote: >> >>> Today I was told by a new Federal Government (NIH) client that it >>> would >>> be much easier for them to pay me for custom development if I >>> accepted >>> credit card payments. Something about recent changes in how they >>> process >>> small procurements. >>> >>> Do any of you currently accept credit card payments? What card >>> companies >>> offer small vendors the best deals? >>> >>> >>> >>> George Tiller >>> 911 East A Street >>> Brunswick, Maryland 21716 >>> 301-834-8170 >> > ******************************************************************** > Final days - Save up to 20% when upgrading from > 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html > > 4th Dimension Internet Users Group (4D iNUG) > FAQ: http://www.4d.com/support/faqnug.html > Archive: http://lists.4D.com/archives.html > Unsub: mailto:4D_Biz-Unsubscribe@... > Post: mailto:4D_Biz@... > Options: https://lists.4d.com/mailman/listinfo/4d_biz > ****************************************************************** ****************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Bill Weale :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message George, your bank can likely set you up as a CC "merchant." If that's impractical (due to low volume), you might check into an EFT setup into your account. It's pretty straightforward and not much different to your client than a cc payment. Being the government, they may be setup to do that as well already. Bill Weale On Mar 19, 2009, at 9:51 PM, George Tiller wrote: > Today I was told by a new Federal Government (NIH) client that it > would > be much easier for them to pay me for custom development if I accepted > credit card payments. Something about recent changes in how they > process > small procurements. > > Do any of you currently accept credit card payments? What card > companies > offer small vendors the best deals? > > > ******************************************************************** Final days - Save up to 20% when upgrading from 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by George Tiller :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Thanks Bill, actually, I've been set up for EFT for years, and this is the way I've been paid by other departments. The new client is in a group that currently has nobody in the position of procurement, so the scientists are saddled with this work as well as their other duties. They can, however, make small purchases with the funds they have available. For some reason, they are allowed to submit a list of the small purchases to be paid for with their Government credit cards. I don't fully understand it, since my other clients just went through the normal process and I eventually got paid for everything. On 3/20/09 5:16 PM, Bill.Weale@... wrote: >George, your bank can likely set you up as a CC "merchant." If that's >impractical (due to low volume), you might check into an EFT setup >into your account. It's pretty straightforward and not much different >to your client than a cc payment. Being the government, they may be >setup to do that as well already. > >Bill Weale > > >On Mar 19, 2009, at 9:51 PM, George Tiller wrote: > >> Today I was told by a new Federal Government (NIH) client that it >> would >> be much easier for them to pay me for custom development if I accepted >> credit card payments. Something about recent changes in how they >> process >> small procurements. >> >> Do any of you currently accept credit card payments? What card >> companies >> offer small vendors the best deals? George Tiller 911 East A Street Brunswick, Maryland 21716 301-834-8170 ******************************************************************** Final days - Save up to 20% when upgrading from 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Walt Nelson-4 :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Matt, What is the name of your bank? Where are you located? How long has your bank bEen in business? Do you have FDIC membership? I am intrigued by your posting, you probide no credibility information - not even the name of your bank. Walt Nelson - Guam Sent from my BlackBerry® wireless device -----Original Message----- From: "Matthew J. Schwartz" <mjs@...> Date: Fri, 20 Mar 2009 11:50:46 To: <4d_biz@...> Subject: RE: Accept Credit Cards? Paypal is a little on the expensive side. We provide merchant accounts at very low rates, have our own gateway, have 4D code available for easy integration into your database (you can download the code for review here - http://wwww.transaxdevelopers.com/4d) and have 4D developers on staff to help with integration. If you're interested e-mail me and I can share some info with you and show you a demo of our gateway. Sincerely, Matt Schwartz -----Original Message----- Message: 1 Subject: Re: Accept Credit Cards? Date: Fri, 20 Mar 2009 10:18:37 +0100 From: Alexander Heintz <listreader@...> To: 4D Biz <4d_biz@...> Message-ID: <4E0B2714-BAEA-4561-8A2C-21FD5A865665@...> Even worse, ho much do they charge for processing transfers to your account? I did accept PayPal for EBay sales and in total it did cost me about 6-7% of the total value. I like PayPal from the byer side, as seller I do mot accept it anymore. I do ot know for the US, but here in Germany most large ISPs offer Payment processing services, or else ust ask your bank! Cheers Alex > What's their percentage at PayPal? I mean, how much do they keep? > > On Mar 19, 2009, at 6:57 PM, Lyn wrote: > >> PayPal should work for you George. Kind of nice in that you can >> send a payment request and it's pretty easy for the end-user. >> >> - Lyn >> >> >> On Mar 19, 2009, at 8:51 PM, George Tiller wrote: >> >>> Today I was told by a new Federal Government (NIH) client that it >>> would >>> be much easier for them to pay me for custom development if I >>> accepted >>> credit card payments. Something about recent changes in how they >>> process >>> small procurements. >>> >>> Do any of you currently accept credit card payments? What card >>> companies >>> offer small vendors the best deals? >>> >>> >>> >>> George Tiller >>> 911 East A Street >>> Brunswick, Maryland 21716 >>> 301-834-8170 >> > ******************************************************************** > Final days - Save up to 20% when upgrading from > 4D 2003 to 4D v11 SQL http://www.4d.com/purchase/offer-2003.html > > 4th Dimension Internet Users Group (4D iNUG) > FAQ: http://www.4d.com/support/faqnug.html > Archive: http://lists.4D.com/archives.html > Unsub: mailto:4D_Biz-Unsubscribe@... > Post: mailto:4D_Biz@... > Options: https://lists.4d.com/mailman/listinfo/4d_biz > ****************************************************************** ****************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ****************************************************************** ****************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	RE: Accept Credit Cards? by NELIX :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Walt, We are located in Schaumburg, IL (outside of Chicago) and are registered with Visa/MC through BancorpSouth Bank, Tupelo, MS. We typically, but not always use the First Data platform for our merchant accounts. Keep in mind, you are not required to have your merchant account through us to use our gateway. The gateway is certified with most US processors and a number of international processors. As long as your merchant account is on one of the processors we're certified with, we can plug it into the gateway. I'd be happy to provide a demo account if you are interested or answer any questions. BTW, Looks like I had an extra "w" in my link - it should be http://www.transaxdevelopers.com/4d. Sincerely, Matt Schwartz ------------------------------------------------------------------ Matt, What is the name of your bank? Where are you located? How long has your bank bEen in business? Do you have FDIC membership? I am intrigued by your posting, you probide no credibility information - not even the name of your bank. Walt Nelson - Guam Sent from my BlackBerryR wireless device -----Original Message----- From: "Matthew J. Schwartz" Date: Fri, 20 Mar 2009 11:50:46 To: <4d_biz@...> Subject: RE: Accept Credit Cards? Paypal is a little on the expensive side. We provide merchant accounts at very low rates, have our own gateway, have 4D code available for easy integration into your database (you can download the code for review here - http://wwww.transaxdevelopers.com/4d) and have 4D developers on staff to help with integration. If you're interested e-mail me and I can share some info with you and show you a demo of our gateway. Sincerely, Matt Schwartz ******************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Lyn-3 :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Matt, You mentioned that Paypal is a little on the expensive compared to your services. What do you charge? Lyn On Apr 12, 2009, at 9:09 PM, Matthew J. Schwartz wrote: > > -----Original Message----- > From: "Matthew J. Schwartz" > > Paypal is a little on the expensive side. We provide merchant > accounts at > very low rates <snip>... ******************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4th Dimension Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by NELIX :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Lyn, Paypal's discount rate starts at 2.9 and then goes down based on volume. Our standard rate starts at 2.37%. However, if a merchant already has a processing history, we can usually do better than that (and of course, volume impacts pricing with us as well). Paypal's pricing structures are very rigid. We have the ability to bring in other types of payment structures (i.e. Cost Plus and ERR programs), which, while slightly more complicated, usually ends up giving the merchant a significant price benefit. In other words, for new merchants, we start at 2.37%, but for merchants who have a processing history, we customize a pricing plan that will be the most advantageous to them. Sincerely, Matt Schwartz ------------------------------ Message: 4 Subject: Re: Accept Credit Cards? Date: Tue, 14 Apr 2009 12:34:06 -0500 From: Lyn <lynlist@...> To: 4D Biz <4d_biz@...> Message-ID: <EDEC167A-3101-4DF6-8497-CFD482BFF65A@...> Matt, You mentioned that Paypal is a little on the expensive compared to your services. What do you charge? Lyn On Apr 12, 2009, at 9:09 PM, Matthew J. Schwartz wrote: > > -----Original Message----- > From: "Matthew J. Schwartz" > > Paypal is a little on the expensive side. We provide merchant > accounts at > very low rates <snip>... ******************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4D Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Mehboob Alam-5 :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Matthew, I have seen your ads on 4DToday, and they look interesting. It would help if existing 4D customers chimed in here as references. Thanks. ******************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4D Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by NELIX :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Mehboob, I'm glad you liked the 4D Today Ad :-) I have been a 4D developer since 1991, and grew organically into the payment processing industry as my clients needed payment solutions. Most of our customers are end merchants, and we've only recently made our example code publicly available and reached out to developers. I'm not sure how many, if any, of our current customers are on the 4d_biz list. If you e-mail me off list (matt@...), I'll be happy to provide you with references, a demo of our technology, info on our partner program, fill you in on our background, etc. Have a great day! Sincerely, Matt Schwartz matt@... www.transaxdevelopers.com ---------------------------------------------------------------------- by Mehboob Alam-5 May 18, 2009; 05:19pm Matthew, I have seen your ads on 4DToday, and they look interesting. It would help if existing 4D customers chimed in here as references. Thanks. ******************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4D Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ****************************************************************** ****************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4D Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by Mikey-3 :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Credit card merchant rates are not cheap. There are ALSO fees all over- application fee. Processing fees. Per-transaction fees. Monthly minimums. Statement fees. Franchise fees. Network fees. Even for vendors that "waive" some or most of the fees, if you were to compare a universe of vendors for merchant services, when it all settles down, you'll find out that your total cost of using the service is about the same in total. Also, be prepared to have your credit history, your bank history, etc. scrutinized because the merchant services institution is providing you credit as well since your customer could issue a chargeback. There are no credit card/p-card/GSA cards that do not have this feature. When it's all said and done, paypal might be cheaper after all. However, many, many companies now can pay you via ACH - it's a direct bank-to-bank transaction, which takes care of the whole "small payments" concern. Call Visa or Mastercard and find out the merchant processors that they have on their list. Local banks can't compete with clearing houses. They're not even close. Good luck, and remember to mark up your future projects with this cutomer to cover the credit card fees. ******************************************************************** Power, Speed, Scalability is 4D v11 SQL Upgrade today! http://store.4ddepot.com/ 4D Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************
	Re: Accept Credit Cards? by NELIX :: Rate this Message: Reply to Author \| View Threaded \| Show Only this Message Mikey, You make a great point. ACH is in most cases significantly less expensive than credit card processing. In addition, it is also less risky for the merchant. Consumers have a much smaller window of time to contest charges. Most gateway providers have an ACH partner that they are integrated with. It is a great option is available. The only drawback is that many consumers are still weary of providing their routing/account number. If you can get through that concern, ACH is a great way to go. Sincerely, Matt Schwartz ---------------------------------------------------------------------- Subject: Re: Accept Credit Cards? Date: Thu, 21 May 2009 10:11:21 -0400 From: Mikey <mikeythek@...> To: 4D Biz <4d_biz@...> Message-ID: <9b408d8e0905210711v47ad0f80r1848501066faa98d@...> Credit card merchant rates are not cheap. There are ALSO fees all over- application fee. Processing fees. Per-transaction fees. Monthly minimums. Statement fees. Franchise fees. Network fees. Even for vendors that "waive" some or most of the fees, if you were to compare a universe of vendors for merchant services, when it all settles down, you'll find out that your total cost of using the service is about the same in total. Also, be prepared to have your credit history, your bank history, etc. scrutinized because the merchant services institution is providing you credit as well since your customer could issue a chargeback. There are no credit card/p-card/GSA cards that do not have this feature. When it's all said and done, paypal might be cheaper after all. However, many, many companies now can pay you via ACH - it's a direct bank-to-bank transaction, which takes care of the whole "small payments" concern. Call Visa or Mastercard and find out the merchant processors that they have on their list. Local banks can't compete with clearing houses. They're not even close. Good luck, and remember to mark up your future projects with this cutomer to cover the credit card fees. ******************************************************************** Register for 4D Summit 2009 Today Early Bird Pricing Ends August 28th - http://www.4d.com/summit 4D Internet Users Group (4D iNUG) FAQ: http://www.4d.com/support/faqnug.html Archive: http://lists.4D.com/archives.html Unsub: mailto:4D_Biz-Unsubscribe@... Post: mailto:4D_Biz@... Options: https://lists.4d.com/mailman/listinfo/4d_biz ********************************************************************