Years ago I accepted credit cards, but the fees got too expensive. Most of my clients pay with a check and some cash at the shoot. I invoice some of my good agents and receive payment in a week or two. Some clients pay late but will offer their credit card which I can’t accept at this time. What is the least expensive way to take credit cards?
One of my agents suggested I take PayPal, but have no experience with PayPal and wanted to know if you have any experience with that?
I think every small business like real estate photographers should take credit cards just as a convenience for your clients.
The least expensive way for businesses to take credit cards is Squareup.com. They have no monthly fees and charge you just 2.75% per swipe or 3.5%+$.15 per keyed-in transaction. They give you a free swipe gadget (card reader) to plug into the headphone jack of your smartphone. You can also email invoices so that clients can use their credit cards to pay. They service US, CA, NZ, UK, and AU.
PayPal costs slightly more per transaction and also has a card reader for smartphones. I use PayPal for selling books and video from this blog only because I can sell to people in almost every country on the planet. The only place I've found that PayPal doesn't work is in a few small African countries.
If your clients are in the same country that you are doing business in Squareup.com is a good solution for taking credit cards. PayPal will work fine too. I use both and have never had any problems with either one.