As a business owner, who accepts checks and charges fees for credit cards, I’ll take a check from a trusted party any day over credit cards when they want to avoid the processing fee, but I still have their credit card on file in case the check bounces.
edit: Further, it is a royal pain in the ass to accept a credit card payment, then have someone dispute the charge as if their card was stolen. The amount of energy spent taking checks to the bank is nothing compared to the energy, effort, and documentation needed to prove to a credit card company that the charge was legitimate, so you actually get paid and not take a total loss.
Checks work for situations where you know and trust the customer, and can do things like have their CC on file. Less so for situations like casual retail or trade shows.
I thought credit card processing agreements tend to forbid charging an extra fee for using a credit card. Maybe that’s changed, idk.
See my edit, and you are very far behind. Years ago VISA and MC (at least) specifically made it legal to pass along fees. A short internet search should confirm this for you.
Sorry you take offense. I just didn’t provide a fully comprehensive reply, and don’t need someone who just learned about this to educate me on the subject.
It’s more for the benefit of anyone else reading who may be interested. I’m sure you know what you’re doing. I haven’t used traditional credit card services in a while (I ran a retail store and art business 2000-2012 or so).
As a business owner, who accepts checks and charges fees for credit cards, I’ll take a check from a trusted party any day over credit cards when they want to avoid the processing fee, but I still have their credit card on file in case the check bounces.
edit: Further, it is a royal pain in the ass to accept a credit card payment, then have someone dispute the charge as if their card was stolen. The amount of energy spent taking checks to the bank is nothing compared to the energy, effort, and documentation needed to prove to a credit card company that the charge was legitimate, so you actually get paid and not take a total loss.
Checks work for situations where you know and trust the customer, and can do things like have their CC on file. Less so for situations like casual retail or trade shows.
I thought credit card processing agreements tend to forbid charging an extra fee for using a credit card. Maybe that’s changed, idk.
See my edit, and you are very far behind. Years ago VISA and MC (at least) specifically made it legal to pass along fees. A short internet search should confirm this for you.
Yes, I did look it up. It’s more complex than that, though.
This site sums it up: https://www.lendingtree.com/credit-cards/articles/surcharges-and-convenience-fees/
good for you, my practices have been well vetted, so I’m not wasting my time reading it.
That’s great. You sound really awesome.
Sorry you take offense. I just didn’t provide a fully comprehensive reply, and don’t need someone who just learned about this to educate me on the subject.
It’s more for the benefit of anyone else reading who may be interested. I’m sure you know what you’re doing. I haven’t used traditional credit card services in a while (I ran a retail store and art business 2000-2012 or so).
So then you probably should have indicated that so I was aware of your intention, and either way your last reply wasn’t needed.