Do you take credit cards?

Arrowhead

Arrowhead

Oldtimer
As a small shop do you take card payments? As much as I like cash I'm thinking it might open up more business (not that I need it) but also make handling transactions less work than running to the bank all the time.
 
Since my business is purely online, credit cards are mandatory.
Just be aware that credit card processing fee's typically run 3-4% for the merchant. Adds up pretty quick.
You may be able to get a better deal with your local bank if they offer it. They may even include a point of sale card swiper, or a phone App.

I've noticed that some brick and mortar shops and retailers are adding a credit card fee to transactions. In my research, this angers customers. Bettor off just including it in the total and not calling it out as a separate fee. A cash or check discount is usually more palatable than a add on fee for cards.
 
I don't mind angering the customers who cash the insurance check and then want to pay their $5000 bill with a points card.
I have a notice posted that a 3% fee will be added to CC transactions, but typically I waive it if it's not the case described above.
 
I do not, but I know all my customer well enough that I will let them pay when I deliver the parts, or when they get paid when the job is done. I have too many customers now, so not taking cards is not an issue.
 
Arrowhead said:
As a small shop do you take card payments? As much as I like cash I'm thinking it might open up more business (not that I need it) but also make handling transactions less work than running to the bank all the time.
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Don't know how "legit" you are, but maybe zelle, paypal, cash app, venmo could be an option for you.
 
On the topic of angering the customer...

I was looking to buy something out of state. The guy gave me a price. I said let's do it. He said he would call me later in the day. The price went up almost 350 dollars. He noted credit card fees, state sales tax. , shipping. I told him I didn't know he had to charge me his state sales tax, but I'm not an accountant. Once he started talking about the credit card fees I told him we can go old school and I'll mail him a check. I ended up passing on the whole ordeal.

Point of story, if that credit card fee was incorporated in the price and not singled out or mentioned I wouldn't have questioned it. But once he mentioned it, it made me feel like I'm paying his bills for him. Better off just incorporating it in the cost. Just my opine.
 
I don't do this work commercially so a total different perspective. If anyone wants me to work on their car, they sign a contract that basically says that I bill once a month for time and materials and gives them my hourly rate. It also states that I do not work 40 hours a week, more like 40 hours a month, and that I prefer cash but can accept a personal check. If they want to take their car somewhere else, they are welcome to as long as their monthly bill is paid.

There have only been two people that I turned down their projects. One was a guy that wanted me to do substandard work. The other was a guy who wanted a quote. When I told him that restoring older cars is not like fixing a scratch in his paint job. That often the condition of the car is far worse that it appears and that any quote I gave him would only be a guess and not something he could hold me to, he got upset.
 
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