yea i’m just full of questions lately, lolol. anyway, at my shop a couple weeks ago, i couldn’t process a customers visa card. called tech support, which is normally super helpful. was 1,000% useless this time. called again monday, and it was helpful. and infuriating. so the error i was getting was “unauthorized device” the tech person tells me……oh yea. your terminal’s old and out of compliance. it can’t be updated anymore and you need to buy a new one, and we turned it off to get your attention.(mind you i didn’t buy this one. they gave it to me to keep me with them). they turned it back on for me, but i’m getting notices that by october this year it will no longer function. new terminal through them will cost me between 500 and 750 bucks.
right now i’m processing through elevon and they’re going through usbank to put money into my bank, and overall i’m averaging around 6% total. i’ve been looking on n off for options. my moms medicair insurance agent can get me a free terminal, and 3.3% with supposedly no hidden fees. i trust the guy because he’s taken good care of mom regarding her medicare insurance over the years, but his goes through a company called paybotx. i’m not too sure with what i see about them.
next option would be gettrx. they look decent, but it also looks like i’d have to do full signup online, and i’m not too fond of that. but…..they support NHRA, and i’d like to be able to support a company that supports a sport i love. they’ve got a flat rate of 2.8% +0.30 per in person transaction. rate goes to 3.5% for keyed transactions.
final option is directly linked to mitchell1, which is my invoicing program and information system. they go through globalpayments(i think that was the name) but i couldn’t find percentage charges, as i was at work…i’ll have to look again monday.
all of them seem to be guaranteeing 2 business days from swipe to money in my account.
i have zero interest or intention of taking online payments, phone tap, apple pay venmo or any of those. all i want to be able to do is to accept visa/mastercard…..and i think the second 2 options let me take discover and amex for same percentage, though i probably won’t accept those anyway.
so…..any of you guys got experience in this field? business owners using a system i might need/want to consider?
thanks guys.