Accepting CC for Freelance
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- d_rek
Does anyone do this?
I've historically only accepted Cash or Check. How would one go about this?
Could I setup a paypal account? Or do a credit transfer to one of my personal accounts?
Any help is appreciated!!
- bjladams0
i used papal freelancing - and still do now via the studio, and have added square-up last year too.
perhaps look into something like this (via qbn-er stuology) :
http://invoicebubble.com/
it'll send an invoice with a paypal link- so your client has options to either pay via cc, check, or cash...
- sublocked0
*ahem*
Let me pimp my service real quick: http://getcashboard.com
You can use an Authorize.net or PayPal account to send invoices and accept CC payments.
I recommend sourcing an Auth.net account through this site: https://feefighters.com/credit_c…
/ selfpromo
- randomname0
Paypal is easy.
- nb0
Call your bank. They likely have a phone number or online interface that you can use to punch in the numbers at minimal cost.
- sublocked0
^ You have to be very careful of banks because a lot charge higher rates than dedicated merchant processors. The whole industry is a bit strange, and to answer the question above - no there's no "legal" way to avoid the transaction fees.
If you want to accept CCs you have to pay some sort of fee - one way or another. No way around it. PayPal also has language in their TOS that say they'll kill your account if you charge your customer the transaction fee - so that's not an option either.
- albums0
your bank can set you up to accept CC. My BOA business account has an option I signed up for that I can use to create invoices then they can pay via CC if they so choose.
- randomname0
Have your client send you Paypal and select the "Gift" option.
I don't know if there's a limit, but there's no fee with "gift."
- randomname0
Also, no one has said it, but this is a weird client. Why can't he just get you a check?
- d_rek0
@randomname
Nothings been decided yet - the client simply asked if I would accept a CC payment. But out of curiousity I just wanted to know if any freelancers have accepted CCs for freelance work and what their experience with that has been like.
Personally, i'd much prefer a check - much less hassle and no fees. I try to be flexible when dealing with particular clients (this one happens to be a startup) by offering installment payments so that payments are dispersed in manageable chunks versus lump sums.
But really, it's money on the table if I can't accomodate a CC payment. Wouldn't want to turn down a good gig because I can't accept a CC payment.
- sublocked0
@d_rek & @randomname ...since it's a startup they might be operating on a line of credit that card is attached to - or bootstrapping on credit. I've done both.
Just something to think about.
- akrok0
options...
1a. add some hours to the invoice to cover the fee
1b. don't add, take the fee cost but get payed faster
1c. tell client that you have to add 2% to cover fees for CC
2. pick one from number 1.
3. you have to pick one. see number 1.
4. why are you still reading this? just do it™
- OSFA0
PayPal has worked for me in the past. Clients feel secure when dealing with a known site.
- d_rek0
Hey all,
For the freelance project i'm working right now the client is using Chase Quickpay to transfer monies directly from their account into my savings account.
The only caveat is that one person must hav a Chase checking account. But you can transfer upto $2k per transaction, per day this way and there are no transaction fees involved.
I'd say it's worth looking at: https://www.chase.com/online/ser…
- monkeyshine0
Don't most banks allow an easy transfer of funds through their online banking? BoA does. Otherwise, take the CC payment but tell him you'll have to charge him a processing fee.
- Some but not all. My bank -5/3rd- doesn't not provide this service.d_rek