CARD OPTIONS
Title
CDG is my favorite of the 3 handpicked processors on my list. With a free Gateway for online processing, free equipment, CDG 360 Bundle,month-to-month contract, protection from charge- backs (customers can refuse to pay up to 6 months after the transaction),1.75% + 25 cents/transaction (swiped), $10.00/mo. maintenance fee, and no minimums, Rated A+ by the BBB, awarded 5 stars by Maverick,compatible with Quick-books, (Intuit users pay attention) and NO CANCELLATON FEE, how can you can you go wrong ? To get even close to CDG rates, Intuit users would have to pay $19.95/month for 1.78%.
Ditch the dongle or E-Wallet ! Flint can take credit for developing the technology to free us from having to plug in a swiper or entering your credit card information on your phone (with the inherent risk of card number theft) to use your smart phone to process payments. Flint works by reading the card number with the camera using recognition software that you can download for free. Flint is compatible with Quick Books. Flint is not a member of the BBB but was awarded 5 stars by Merchant Maverick. Flint offers a rate of 1.95% across the board compared to it's swiper competitor's (like Square) swiped rate of 2.75% and keyed in at 3.5% + 15 cents. Square charges 2.75% and Paypal 2.7% to use the phone swiper. Google Wallet charges 2.9% per transaction (minimum $0.30). Flint is currently offering 5 transactions within 30 days FREE !
FAQS RATES: Rates can vary from processor to processor, card to card, transaction to transaction, and merchant to merchant. Below are sample interchange plus rates. Interchange plus is known in the industry as providing you with the best rates: COMMON WHOLESALE INTERCHANGE RATES (effective 4/2014): Debit 0.05% + $0.22 Credit 1.51% % + $0.10 Rewards 1.65% % + $0.10 Business-Corporate 2.20% % + $0.10 Card Association Fees 0.11% + $0.0195
CANCELLATION FEES Swipely will pay the fee to permit you to switch. CDG won't. Flint I will update you. Just having the peace of mine of having the top rated processors in the business process your payments is worth it.
Q: I like who I have ? / I am not interested ?/ I don't accept cards ? A: I believe it is prudent for a business person to keep an open mind and, “The way of fools seems right to them but wise men seek counsel” Proverbs 12:15. I would appreciate you taking about 30 minutes of your time so I can explain how processing with the top rated processors in the industry can benefit your business. Not all processors are the same. For those of you who are adamant about not accepting cards, chances are you have a card in your wallet.
How would you feel if the store you where shopping in asked you to travel to an ATM to get cash and return ? Would you return or fire the store by going somewhere else ? “There is only one boss. The customer. And he can fire everybody in the company from the chairman on down, simply by spending his money somewhere else “ Sam Walton.
Q: Can lawyers accept credit cards ? A: Yes, read the ABA article entitled,"GET PAID FASTER THAN A SPEEDING BULLET "on the subject. Q: Do they integrate with Quick Books ? A: CDG and Flint do with cheaper rates than Intuit. Q: Do they integrate with Fresh Books ? A: Swipely does but CDG and Flint don't.
Q: I offer Gift Certificates ? A: People seem to think that Gift Certificates are a viable alternative to Gift Cards. Try this: put a Gift Certificate and a Gift Card in the washing machine to see which is more durable. Try swiping a Gift Certificate to reload it. Try automating the accounting for Gift Certificates. Go to Wall Mart and ask for a Wall Mart Gift Certificate. You can customize a Gird Card with your own advertising. I am in the process of selecting a Gift Card company.
Q: We are a non-profit or place of worship ? A: The unspoken taboo against taking cards for these types of organizations is eroding. ARTICLE: CHURCHES REPORT AN INCREASE IN TITHING WHEN ACCEPTING CARDS.
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