I have used Propay.com for my very small shop. I use the basic plan
for $35 a year, which requires me to enter the credit card number and
request for payment on their website. Payment comes with in 2 to 3
days and I transfer it to my business account for a 35 cent fee. The
rates are higher than other companies advertise, but it has been hard
to argue with the set up fee (had to buy credit card slips and a
slide thingy imprinter also known as a knucklebuster–10 bucks or
so.) The website is clear and they seem to do what they say will do.
Many other merchant account processors I looked into had monthly
fees, lack of activity fees, fees for paying their fees, etc, etc.
and did not address the primarily seasonal aspect of my business.
If I had a laptop and wireless setup, I could enter the request while
the client was still at the booth (I mostly do art fairs). I have not
had a charge back yet, thank goodness, but the laptop is in the
business plan (along with some boulder opal rough and classes at
Marilyn Nicholson Taos School of Jewelry and Lapidary and a faceting
machine and the propane/oxy torch I’ve been drooling over and the…
you all have lists just like it, admit it.)
Stacy, in Michigan, where lots of snow is anticipated tonight and the
cats already have cabin fever