Carpet Cleaning Issues - Carpet construction, upholstery cleaning, stain removal, equipment, events, etc.
Credit Card PaymentsPosted by woodman (woodman), 14 January 2004
How many of you guys and gals take payment from
customers by credit card and switch?
Those of you that do, have you found that your customers are more likely to use more of your services/have more work done if they can pay this way. 
The perception being that it doesn't hurt so much handing over plastic knowing it won't come out for 56 days softens the blow for some.Posted by strakercleaning (strakercleaning), 14 January 2004
Wanted to ask the same question myself 
Does it cost money to accept card payments and who do you approach to set up the system 
Posted by stevegunn (Steve Gunn), 14 January 2004
try this its not cheap http://www.barclaycardmerchantservices.co.uk/frame_resolve.htm?page=bus_online/taking_card_payments.htmPosted by nick.solution (nick.solution), 14 January 2004
Hi Guys
Most credit card companies base there charges on turnover the more you do the lower the cost, even with a small charge credit card payments can have a very positive effect on your cashflow and most customers paying for carpets to be cleaned happily 
have extra work completed because they have up to a month to pay the bill.
works for us
NickPosted by Mike_Boxall (Mike_Boxall), 14 January 2004
Most banks have a 'Merchant Services' division which you can approach to take credit cards. However, as with most things, they don't get too enthusiastic about setting up new business if they don't think you're going to take that much money. When they do, they tend to charge a higher fee.
With ours, HSBC Merchant Services, we pay a flat commission rate of between 1% and 2% of the whole transaction (including the vat element) depending on which card it is and whether its a personal card or business card.
American Express is the most expensive one to take (i think the commission is over 2% on that) However, there is a flat rate of 35p for Switch and Solo transactions instead of a percentage.
You would obviously pay more as a contractor taking fewer payments but then you guys work on much higher margins than we do ( 
) and could probably justify it.
There can be a lot of paperwork involved and there may well be alternatives to dealing with Merchant services directly. Sometimes organisations like the FSB (Federation of Small Businesses) negotiate flat rates for their members but I dont think there are any cleaning related schemes around (maybe this is something the NCCA have looked at / could look at!?)
When we first started with HSBC we told them that we were members of the National Association of Master Shoe Repairers and we were put on a better starting rate until the volume of transactions started to increase!
Regards
Mike
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