edwin_chung2 Posted February 23, 2015 Share Posted February 23, 2015 <p>hello i have a question regarding collecting money from clients for wedding photo shoot. Most clients pay by checks. However, If client insist to pay by credit card, what are the better options to process the payment? and I mean if client don't have paypal account.</p> <p>thank you</p> Link to comment Share on other sites More sharing options...
MichaelChang Posted February 23, 2015 Share Posted February 23, 2015 <p>Hi Edwin, I'm not aware of another way to accept credit card payments directly than for you to create a merchant account; probably not very practical for one-time use. </p> <p>Alternatively, the client can take a cash withdrawal against the credit card in an amount equivalent to the payment to you, or you can offer your client a modest discount as an incentive to use PayPal which might be sufficient to persuade the client to create a PayPal account, and tell the client it's really a painless process.</p> <p> </p> Link to comment Share on other sites More sharing options...
craig_shearman1 Posted February 23, 2015 Share Posted February 23, 2015 <p>No need to create a merchant account. Use Square. It's the same thing every food truck and craft show seller uses. You download the app on your iPhone, they send you tiny plastic card reader that plugs into the earphone jack on your phone. Do the setup with your bank account info and you're in business. <br /><br />Keep in mind that Square, Paypal and merchant accounts all take a percentage of the transaction in return for their services. For square it was around 2.75 percent last I checked. I would not offer a discount for PayPal or any other form of credit card payment -- it's already costing you more.</p> Link to comment Share on other sites More sharing options...
MichaelChang Posted February 23, 2015 Share Posted February 23, 2015 <p>I had entirely forgotten about Square having looked into it some time ago. </p> <p>One issue I recall (and I'm not sure what PayPal does), is that Square can apparently withdraw the paid funds from your bank account should there be a dispute. This can be a problem if you're taking in large amounts, transfer the funds, and you don't have overdraft protection, meanwhile the money is held by a third party until the dispute is settled. </p> <p>Might want to look into that to avoid potential problems. </p> Link to comment Share on other sites More sharing options...
qalam Posted February 23, 2015 Share Posted February 23, 2015 The payer does NOT have to have a PayPal account to pay a supplier of goods and services by using a credit card on the PayPal site. Only the supplier (photographer, in this case) has to have a PayPal account. As soon as the credit card transaction is approved, PayPal deducts a fee from the total amount and the remainder is immediately deposited in the supplier's PayPal account. The supplier can use the money later to pay purchases made on other Internet sites that accept Paypal transactions or the supplier can have all or some of the money transferred to his or her regular bank account. Link to comment Share on other sites More sharing options...
qalam Posted February 23, 2015 Share Posted February 23, 2015 When a person does not have a PayPal account, he or she must go directly to the PayPal site and use the send money option. The payee then gives the supplier's email address. PayPal verifies the the address belongs to a PayPal account holder and then processes the payment, using the payee's credit card information. In this case, the transaction is initiated directly by the payer, NOT by a referal from the supplier's Website. Link to comment Share on other sites More sharing options...
Rick Helmke Posted February 23, 2015 Share Posted February 23, 2015 <p>I've found using Paypal to be the simplest solution for most people even though for many years I refused to use it. Only the vendor has to have an established account and it's cheaper than dealing with other card processors.</p> <p>Rick H.</p> Link to comment Share on other sites More sharing options...
ellis_vener_photography Posted February 23, 2015 Share Posted February 23, 2015 We use either Square or PayPal. But as others have suggested check with both to see what their policies are regarding refunds for services as opposed to products. (Yes, photography is both a service and product based business. Now would you like fries with that?) Link to comment Share on other sites More sharing options...
edwin_chung2 Posted February 23, 2015 Author Share Posted February 23, 2015 <p>First time posting question here in this forum. Thank you for all replies.</p> Link to comment Share on other sites More sharing options...
Matt Laur Posted February 24, 2015 Share Posted February 24, 2015 <p>If you use PayPal to email an invoice to someone, they are presented with a "Pay Now" link that takes them to a login screen at PayPal. On that screen is the option to present a credit card WITHOUT using a PayPal membership. <br /><br />I use it, and it works fine. I also use Square, under other circumstances. Note that - especially for new accounts - Square may only deposit the first $1000 collected, and hold the rest for some time (as much as 30 days), on the off chance that a brand new account may have been created as a vector for fraud. Once they see regular activity and come to know you, the money from those larger transactions flows more quickly. This is completely understandable, since they are taking a risk with newer user accounts.</p> Link to comment Share on other sites More sharing options...
craig_shearman1 Posted February 24, 2015 Share Posted February 24, 2015 <p>"Square can apparently withdraw the paid funds from your bank account should there be a dispute."<br /><br />All card processors do this, including full scale merchant accounts. It's called a "chargeback." <br /><br />Benoit and others are correct -- your customer can use PayPal to pay you without having their own PayPal account. They simply use "credit card" as their payment option and pay pretty much as if making a credit card payment on any other web site.<br /><br />I've used PayPal but I never leave money in the account. Any payments I receive get immediately transferred to my bank account. </p> Link to comment Share on other sites More sharing options...
john_h.1 Posted February 26, 2015 Share Posted February 26, 2015 <blockquote> <p>"If client insist to pay by credit card, what are the better options to process the payment?"</p> </blockquote> <p>I might be concerned about the 'insisting' part. It may merely be their own concern of having a convenient remedy should there be a problem with fulfilling your obligations or other innocent reason but, it opens the door to potential abuse. Even if the odds of that are low, it tends to defeat the purpose of contractual advance payment schemes designed to prevent after service payment problems.</p> Link to comment Share on other sites More sharing options...
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