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1  CRAFTY BUSINESS ADVICE / Tips for Participating in Craft Fairs / Re: credit cards at craft fairs? on: May 25, 2009 11:01:07 AM
OK I have been looking into taking credit cards, thanks to all of you! I don't do craft fairs but I sell vintage clothing at a flea market once a month. I don't have a laptop so I'm looking for phone verification

Touch-pay charges a monthly fee of 8.99 + a set up fee of either $19 or $29 depending on the account you chose, the latter has a higher % charge but no per transaction fee. I am guessing this is good if you have a lot of small amount charges.

ProPay charges $60 a year, has a % fee and a small transaction amount. they do have minimums but I doubt I'll ever sell more than $3,000 in one day

sheesh you gotta be a math wiz to really figure out what service is best in the long run. I'm not math person but just on the monthly charge alone I'd save $50 by going with Propay.

FYI- I was thinking of charging customers a $5 transaction fee for credit cards to cover my costs but...you aren't allowed to do that, YIPES!
"4. Can I charge the transaction fees to my customer?
No. It is against credit card association regulations to charge your customers the fees you pay to accept their credit cards. Visa and MasterCard don't want merchants passing on those fees because it discourages and punishes card holders for using their cards. Merchants accept this rule because people paying with credit cards generally spend more than they would otherwise."


Just as an FYI Propay does have a flat yearly fee but has a higher percentage than Touch-Pay (www.touch-pay.com) and charges extra to receive real statements.  Touch-Pay has free online reporting, mailed statements, no set processing limits and even has a Touch-Pay Advanced (www.touchpayadvanced.com) option - which allows merchants that already has an online/web or virtual terminal merchant presence to simply plug touch-tone processing into that existing online merchant account eliminating the need for 2 merchant accounts.  It also has support for multiple touch-tone "pin numbers" and order tracking for businesses/merchants that have multiple users entering touch-tone orders.
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