We really need to start taking credit cards and am amazed (and overwhelmed) at all the options out there. I have talked to several merchant account providers -- the fees are all over the place. One of the better ones I think is through Sam's Club with First Data. Anyone have experience with them?
There seems to be 3 main choices:
1--Standard phone line swiper
3--PC based processing
1 is traditional, but most farm markets and craft shows don't have phone lines available. Numbers could be stored and processed later (at your risk because the customer already has the merchandise)
2 doesn't require a phone line but is a bit more expensive. But some craft shows are in arenas where there are no signals whatsoever and your stuck with the delayed processing risk
3 seems to be the wave of the future with things like Paypal Virtual Terminal or ProPay. Can be done with wireless internet access. Not sure how customers would feel about seeing their CC numbers go into a PC vs. a swiper.
I've talked to a couple long time craft show veterans who use the old knuckle buster (manual card imprinter) with carbons at the show then put it through their terminal or PC for processing later. They claim that declines are almost never a problem. When they do occasionally happen, they call the customer and they give them another card that works.
Any advice here?