ChargeAmerica

[zachb]

Just wondering if anyone still uses Chargeamerica for their CC processing? Their rates seemed reasonable and good for people who do a low volume of credit card work. In previous posts some said to try a local bank but mine was pretty expensive. Any advice is appreciated.

[StarQuest]

zachb,

Seems reasonable to me. You might want to contact the BBB for any complaints prior to signing up. The last merchant card service I used was higher on setup, had to buy refurbished equipment, monthly minimum was $35 and transaction fees were around $0.32/2.45%.

Can anybody share how long a cell phone CC transaction takes? Asking because you'll have to figure your cell minutes expenses into the equation.

Thanks for the lead, have to check it out myself!

[maxryde]

We use Central payment corp. 95.00 set up fee (waived) 0.00$ minimum per month, 2.19 percent, .27c transaction fee per item, $5.00 monthly statement fee. That's it. No equipment, transactions are done via the phone, direct deposit in two business days. I have only used them for four months but no problems so far. My old provider hit me with an annual access fee, (w/o telling me) for $100.00. I found the charge on my bank statement. Hence the change.

[Brent Deines]

Costco members get good rates: http://www.novainfo.com/costco/index.asp

We use QuickBooks merchant services as it integrates very will with the QuickBooks accounting package we use, but their rates are not as good as Costco.

[Gregg]

I use PayPal. It has its ups and downs but works well for me especially since I dont get very many requests for credit/debit transactions.

To get paid you bill the customer via e-mail invoice; the customer then clicks on the invoice and is redirected to PayPal's website and can pay you there (they do not need a PayPal account).

No set-up fees
No monthly/annual fees
No cancellation fees
No equipment
Only 30 cent transaction fee + 1.9 - 2.9%
Works well with QuickBooks if you use it
Get paid in days
PayPal is a trusted and well know payment method
Etc, etc, etc.

Check it out!

[zachb]

That is what I currently use also. It is fine for a small volume, but I dont like not being able to clear the credit card before I leave. And if you upgrade to where you can process credit cards through paypal on a wireless laptop then their rates aren't nearly as competitive.