Forums > Photography Talk > Do you accept credit cards for payments

Photographer

Jack English

Posts: 386

Encinitas, California, US

I have had a few people (family portraits type work) offer to pay me via Pay Pal, but I said I only accept checks.

Dec 02 12 08:40 pm Link

Photographer

John M Hoyt

Posts: 347

Greenville, South Carolina, US

Jack English wrote:
I have had a few people (family portraits type work) offer to pay me via Pay Pal, but I said I only accept checks.

Consider using Square on an android or iThing....   No monthly fee. Accept all major US cards, and the money is in your acct the next day.

You don't even need to have a business checking acct.

Oh and PayPal has a similar service now....  I prefer square.

I actually prefer square over our merchant acct and card terminal.

Dec 02 12 08:42 pm Link

Photographer

AG_Boston

Posts: 351

Boston, Massachusetts, US

Given an option other than PayPal, I'd say yes.

Dec 02 12 08:42 pm Link

Photographer

L A U B E N H E I M E R

Posts: 8799

Seattle, Washington, US

Jack English wrote:
I have had a few people (family portraits type work) offer to pay me via Pay Pal, but I said I only accept checks.

why not use square?

Dec 02 12 08:42 pm Link

Photographer

Jack English

Posts: 386

Encinitas, California, US

By accepting credit cards I guess I shouldn't worry about them trying to "cancel" a payment after I have done the shoot?

Dec 02 12 08:46 pm Link

Photographer

AG_Boston

Posts: 351

Boston, Massachusetts, US

Jack English wrote:
By accepting credit cards I guess I shouldn't worry about them trying to "cancel" a payment after I have done the shoot?

If they want to be real jerks, they can always report their credit card as stolen.

Dec 02 12 08:48 pm Link

Photographer

me voy

Posts: 1094

Amherst, Massachusetts, US

I use Squareup for Iphone. If you have Iphone, go to the apple store and you can get it for free plus they will pay you $10 when you register online.

Dec 02 12 08:50 pm Link

Photographer

Jack English

Posts: 386

Encinitas, California, US

Mark Laubenheimer wrote:

why not use square?

Is there fees for Square?  With Pay Pal I am paying $30 a month to use there virtual terminal.

Dec 02 12 08:50 pm Link

guide forum

Photographer

-JAY-

Posts: 6710

Las Vegas, Nevada, US

Jack English wrote:

Is there fees for Square?  With Pay Pal I am paying $30 a month to use there virtual terminal.

just a percentage (swipe is one, if you enter the numbers, like via phone, it's a different one.) Paypay has these as well as that $30/mo... yeah?

Dec 02 12 09:25 pm Link

Photographer

BTHPhoto

Posts: 6817

Fairbanks, Alaska, US

https://squareup.com/

can't be beat.

Dec 02 12 09:31 pm Link

Photographer

GCobb Photography

Posts: 15897

Southaven, Mississippi, US

Jack English wrote:
I have had a few people (family portraits type work) offer to pay me via Pay Pal, but I said I only accept checks.

I take any legit method of payment.  I use Square and can swipe to my cell phone even.  It all spends.

Dec 02 12 09:34 pm Link

Photographer

Michael Fryd

Posts: 3904

Miami Beach, Florida, US

Jack English wrote:
By accepting credit cards I guess I shouldn't worry about them trying to "cancel" a payment after I have done the shoot?

Credit card payments cannot be "cancelled,"  They can be "disputed."


The difference is that the customer has to justify why the think they should not have to pay, and the merchant has a chance to respond.  The most common reasons for a dispute are that the customer did not actually make the charge, or that the services were not delivered.  if you are concerned, have them sign a receipt and make a copy of their ID.


On the other hand, the customer does not need a reason to "stop payment" on a check.  You deposit the check and it bounces.  You have no recourse with the bank, as they will stay out of the dispute.


It seems to me that accepting a credit card is safer than accepting a check.

Dec 03 12 06:48 am Link

Photographer

Kawika Photography

Posts: 110

San Diego, California, US

I'll take money for my services in any form. But yeah, the easier you make it for people to give you money the better your business will be...as long as the fees/rates justify the expense. GL

Dec 03 12 08:47 am Link

Photographer

ontherocks

Posts: 22622

Salem, Oregon, US

we use intuit. we can swipe the card with our iPhone or punch the card into their web site.

and sometimes we do have clients pay via PayPal. i'm not going to turn away their money.

Dec 03 12 08:51 am Link

Photographer

Kelvin Hammond

Posts: 17362

Billings, Montana, US

I use Intuit.  No monthly fees. I think it's 2.somethingish%

Dec 03 12 08:52 am Link

Photographer

Phantasmal Images

Posts: 617

Boston, Massachusetts, US

I use Square on my android phone and tablet as well. Never had any issues with a client disputing payment in over two years. They sign for it right on your phone/tablet, and it also records the GPS location of the transaction. You'd also have the images they paid for as evidence if they ever did try to dispute it. The app will also email them a receipt as well. It's well worth the small percentage they charge in my opinion.

Dec 03 12 06:45 pm Link

Photographer

PhillipM

Posts: 6557

Martin, Tennessee, US

Can you use square with the iPad 3?

Dec 03 12 06:58 pm Link

Photographer

Robert Lynch

Posts: 2484

Bowie, Maryland, US

PhillipM wrote:
Can you use square with the iPad 3?

https://itunes.apple.com/us/app/square- … 93788?mt=8

Dec 03 12 07:02 pm Link

Photographer

Mike Kirwan Photography

Posts: 573

Walnut Creek, California, US

PhillipM wrote:
Can you use square with the iPad 3?

Yes, but you need to either have a working connection for it to work - 3G/4G or WIFI both work just fine. I dont have a 3G iPad but in the studio works just fine on my WIFI network. On location I use my iPhone and Square (they changed the app name to Reigister) will send you more than one reader for free. At shows (with a WIFI connection) I have made sales with both devices and the accounting Square provides will let you know which device was made to make the sale.

Pretty good service and I have never had a problem with customers disputing the transaction for a portrait shoot; not only do you have their signature you have their picture as well smile To overcome the problem of a stolen card I always check their lD like a drivers license.

MK

Dec 03 12 07:08 pm Link

Photographer

MMR Digital

Posts: 1718

Doylestown, Pennsylvania, US

Of Course.

Visa/Master Card/Discover/Amex.
Welcomed.

That's when I can process your soul before I can process you images.

Next?

Dec 03 12 07:11 pm Link

Photographer

Jack Dog Studio

Posts: 353

Greenwich, Connecticut, US

If someone is willing to give me money, I make it easy for them to do so.  Card swiper/manual entry...paypal...square...emailing to me.  I'd rather get the money in my account as fast as possible rather than worry about best processing rate.  With that said, I do search out competitive rates (PM if you want/need to know).   When offered a choice, of course, I prefer check.  And cash is king.

Check if your bank allows check deposit via iphone app.  Citi and Chase do it.  The small community banks have their own version - or soon will.  It saves a lot of time and allows the actual check to stay in your records as proof of payment.

Dec 03 12 07:22 pm Link

Photographer

KA Style

Posts: 1583

Syracuse, New York, US

Square deposits super fast! Paypal takes days...

Dec 03 12 07:37 pm Link

Photographer

joeyk

Posts: 14742

Seminole, Florida, US

Intuit ad at the bottom of this page.

But, I prefer square.

CC probably safer than check, def safer ( in disputes ) ( and faster ) than Paypal.

I had some competition once who wouldn't take a CC for a wedding for the reason you mentioned, he's out of business now.

I never had a CC problem of consequence in 25 years, checks, now that's another story...

Dec 03 12 07:48 pm Link

Photographer

J O H N A L L A N

Posts: 10331

Santa Ana, California, US

Square is 3.5% for card-not-present transactions (ie phone & mailorder).

Dec 03 12 07:54 pm Link

Photographer

MCPHOTO

Posts: 733

Duvall, Washington, US

Credit Card checks cash. When it gets right down to it I don't really care how I get paid. But I prefer cash.

Dec 03 12 07:56 pm Link

Photographer

MC Photo

Posts: 4144

New York, New York, US

Jack English wrote:
By accepting credit cards I guess I shouldn't worry about them trying to "cancel" a payment after I have done the shoot?

They can cancel the check just as easily.

Dec 03 12 08:11 pm Link

Photographer

Ken Fields Photography

Posts: 147

Wailuku, Hawaii, US

Paypal for the website which is self explanatory and automatic. Squareup for accepting credit cards over the phone or in person.

Dec 04 12 04:54 am Link