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Accepting Credit Cards for merchandise

 
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LauraB

posts: 4

Nov 11, 2007 6:55 PM ET    Quote  Report Abuse
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I did some searching first, but am somewhat confused on this topic.  Any assistance would be appreciated!  I`m an independent consultant with a health & wellness company and I sometimes keep inventory to sell at shows and fairs, and I wonder what my options would be for accepting credit card payments from clients in those cases.  I`ve seen other vendors have this ability through their companies... they provide forms which can be submitted (to whom, I don`t know) and then the consultant gets paid.  Unless my company provides that service do I have to set up a business account with a creditor and pay them a fee so I can accept credit in this maner? 
 
Thanks for any advice!
Laura
ToddF

posts: 261

Nov 12, 2007 11:47 AM ET    Quote  Report Abuse
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Well the easiest way would be using paypal. It`s easy and your done. cutting checks is a separate matter you`d have to do manually. If it`s only going to be a few charges per month I would use paypal and not deal with a merchant account, it will cost you more to go with paypal, but I personally think the simplicity of it makes it worth it.

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He who gets greedy like a pig, gets slaughtered like a hog!
minimegeology

posts: 143

Feb 06, 2008 10:46 AM ET    Quote  Report Abuse
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Paypal is a great option for a situation like yours.  I use them and I also have a merchant account with Wells Fargo and have been very happy.  Merchant accounts can be somewhat confusing but they are helpful.  The Wells Fargo site has an aspect where I can manually run a credit card for phone orders.  I`m sure many banks have features like this as well.

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Tracy Barnhart, Owner
Giverny, Inc. / Mini Me Geology
http://www.GivernyOnline.com
http://www.MiniMeGeology.com
DaleKing

posts: 1061

Feb 07, 2008 5:38 PM ET    Quote  Report Abuse
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You really can`t beat PayPal for simplicity. Plus, it gives you the best of all both worlds. You can accept checks and credit cards. In my opinion, it`s worth the extra fees.
 
Dale King


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RosannaTussey

posts: 63

Feb 11, 2008 11:46 AM ET    Quote  Report Abuse
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Another vote here for PayPal.
 
I also have a client who uses ECHO.  You can use a credit card authorization form then (make sure to always have the customer sign it, of course), you can run the credit cards by inputting the info from the form in the ECHO system. I have used the program for several years now and it has been very reliable. It is also very affordable. 


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Rosanna Tussey
Owner
New Mexico Candle Co.
http://www.nmcandleco.com
SidewalkNerd

posts: 14

Feb 13, 2008 2:58 PM ET    Quote  Report Abuse
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Paypal is the way to go.  No monthly fees, very reasonable rates, secure and simple.
MHGC

posts: 10

Feb 27, 2008 6:44 PM ET    Quote  Report Abuse
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How are you supposed to use Paypal to charge credit cards for items they purchase from you in person?  I like the idea of not having any monthly fees, but if I`m at a job with no internet, how am I supposed to process their transaction through paypal?
lbsoc

posts: 4

Feb 28, 2008 11:01 AM ET    Quote  Report Abuse
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I don`t know how to use PayPal off site---but I do find it the easiest payment system to use and fair with the service fee. I plan to do a trade show in June and would like to know how I could use PapPal to process orders if I don`t have internet access.  Thanks.
katt33

posts: 484

Feb 28, 2008 4:17 PM ET    Quote  Report Abuse
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My peeve with paypal is that they hold the money and they limit how much you can transfer each month.  I prefer a merchant account where the money comes directly to me.  I have my new site through Sam`s club and get a discount on everything, including the merchant account.  Paypal is great for the consumer, but a pain for the vendor, at least in my opinion.
MHGC

posts: 10

Feb 28, 2008 5:00 PM ET    Quote  Report Abuse
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So, still no answer for if you can use PayPal "off-site"?  As in processing orders without a website.  I`ve had people recommend PayPal to me knowing that I want to process credit payments at the customer`s house or at remote locations sometimes without internet, but it seems to me PayPal is completely unable to work in that situation.



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