Traditional Archery Discussions on the Leatherwall

I would like your opinion

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Messages posted to thread:
Jim Keller 11-Oct-17
Brian waters 11-Oct-17
2 bears 11-Oct-17
sheepdogreno 11-Oct-17
Jim Casto Jr 11-Oct-17
Dkincaid 11-Oct-17
lv2bohunt 11-Oct-17
Katman 11-Oct-17
hawkeye in PA 11-Oct-17
ShadeHaven 11-Oct-17
Sipsey River 11-Oct-17
4nolz@work 11-Oct-17
LBshooter 11-Oct-17
M60gunner 11-Oct-17
mgerard 11-Oct-17
Cameron Root 11-Oct-17
Jim Keller 11-Oct-17
George D. Stout 11-Oct-17
WV Mountaineer 11-Oct-17
JT 11-Oct-17
Elkpacker1 11-Oct-17
4nolz@work 11-Oct-17
stick&string 11-Oct-17
stick&string 11-Oct-17
Woods Walker 11-Oct-17
zwickey2bl 11-Oct-17
GLF 11-Oct-17
Tzioxphon 12-Oct-17
gluetrap 12-Oct-17
D31 12-Oct-17
Fats 12-Oct-17
Ollie 12-Oct-17
Bob Rowlands 12-Oct-17
RymanCat 12-Oct-17
BigOzzie 12-Oct-17
K Cummings 12-Oct-17
Catsailor 12-Oct-17
StickandString 12-Oct-17
Jim Keller 12-Oct-17
GVK 12-Oct-17
JusPassin 12-Oct-17
GF 12-Oct-17
Jim Keller 12-Oct-17
spike78 12-Oct-17
Killbuck 12-Oct-17
From: Jim Keller
Date: 11-Oct-17

The pay pal post has me thinking. I'm a self employed taxidermist. I take credit cards. It cost me 2.75% if a customer pays for his mount with one.

They cost me a good bit every year. I can write it off as a business loss but still don't like it.

If a guy has a $1000 bill and pays with a card. $27.50 comes out of my pocket.

This year I'm planning on having a cash or credit price. How do you guys feel about that? Would it offend you? The other alternative is raise my prices to cover the fees.

It doesn't seem fair to those who pay with cash or check. What are your feelings? Thanks guys. Jim

From: Brian waters
Date: 11-Oct-17

Most small businesses these days seem to have a cash and credit card price. Seems reasonable to me.

From: 2 bears
Date: 11-Oct-17

I think you are spot on. I hate credit cards. They seem to be trying to take money out of our pockets. What was wrong with checks and cash? They claim it is for our convenience but it is to make money and put folks in debt.O.K. rant over. sorry. >>>---> Ken

From: sheepdogreno
Date: 11-Oct-17

Seems reasonable to me. I'd pay cash for such a thing anyway

From: Jim Casto Jr
Date: 11-Oct-17

You're self-employed; you set your salary. Allowing a customer to use a credit card is a courtesy to them, not you. You're entitled to your fees. Pass it on. Hang a little sign in your studio informing customers that it's their choice, cash or an 2.75% to cover credit card fees.

From: Dkincaid
Date: 11-Oct-17

All gas stations here do that it’s no biggie

From: lv2bohunt
Date: 11-Oct-17

I think it doesn't matter what you charge or whether you raise your fees to cover the cost you will always look at it as money out of your pocket.

From: Katman
Date: 11-Oct-17

Set your price for credit card payments and offer a cash discount sounds reasonable to me.

From: hawkeye in PA
Date: 11-Oct-17

I wouldn't have a problem with it.

From: ShadeHaven
Date: 11-Oct-17

Jim, your older and wiser than I. I would go with cash or check only.

Unless you think you'll loose business.

From: Sipsey River
Date: 11-Oct-17

I do not know about Paypal, or if credit card companies still do this, but in the past some credit card companies would not allow their vendors to have a two price system. I can't remember for sure, but I think it was Visa, that said it would cancel providing us service if we continued to offer a cheaper price for cash than for using Visa card.

From: 4nolz@work
Date: 11-Oct-17

Raise your prices and give a 3% cash discount

From: LBshooter
Date: 11-Oct-17

Just increase the cost by 3% if paying by a CC, done.

From: M60gunner
Date: 11-Oct-17

“Nice guys finish last” applies here. Keep giving away “fees” and it could cost you your business. Besides, unless you advertise your paying the fees your customers don’t even know it.

From: mgerard Compton's Traditional Bowhunters
Date: 11-Oct-17

I agree with Pete. If someone asks for a cash discount, even though it isn't advertised, you can do on a case by case basis.

From: Cameron Root
Date: 11-Oct-17

Cash is king.

From: Jim Keller
Date: 11-Oct-17

Thanks for your thoughts guys. I'm going to go with letting them pay the 3%. I appreciate the input. Jim

From: George D. Stout Compton's Traditional Bowhunters
Date: 11-Oct-17

Just raise the price to cover it, rather than worry about who pays what. People understand inflation. A $300.00 fee would only be $9.00 anyway. Just raise the price to $310.00 and you will be 70 cents ahead after the fee.

From: WV Mountaineer
Date: 11-Oct-17

I see no reason why you shouldn't charge more if it costs you more. God Bless

From: JT
Date: 11-Oct-17

I think it's a good idea.

From: Elkpacker1
Date: 11-Oct-17

Gas station do

From: 4nolz@work
Date: 11-Oct-17

I'm self employed.Almost everyone pays with a debit card now it costs the vendor ALOT and adds up BUT people HATE to be charged extra.Raise prices and post a cash discount people LOVE a discount.

From: stick&string
Date: 11-Oct-17

Check your Stste and local laws. In some Ststes it is against the law to charge extra or s different price because they want to use a CC.

From: stick&string
Date: 11-Oct-17

Check your Stste and local laws. In some Ststes it is against the law to charge extra or s different price because they want to use a CC.

From: Woods Walker
Date: 11-Oct-17

I'd tack it on in a nano-second. It's simply a cost of doing business, i.e, an expense. No different than if the taxidermy forms you use go up 10%. It get's added on to the price that the end consumer pays. It's just like corporate taxes. The CONSUMER pays them, NOT the company as it get's added in to the cost to produce the good/service.

From: zwickey2bl
Date: 11-Oct-17

Common practice nowadays. I wouldn't lift an eye and would take advantage of the cash discount if that's the way you decide to go.

From: GLF
Date: 11-Oct-17

Just raise your prices. You'll lose some business if you charge extra for credit. The reason we take cards to start with is for the added business it brings in and to not have the worry of bad checks. So your not losing anything. But you may if you have 2 rates. And like someone said it may be against the law in you state.

From: Tzioxphon
Date: 12-Oct-17

Tzioxphon's embedded Photo

i see no issue with being honest.

From: gluetrap
Date: 12-Oct-17

customers want a easy and seamless transaction..( raise your price enough to enclude free shipping?) accepting cards with no strings attached should increase sales imo

From: D31
Date: 12-Oct-17

It was mentioned above but deserves more traction in my opinion. People LOVE A DISCOUNT.

Set your standard price to cover Credit Card cost then offer a CASH DISCOUNT.

People hate being PENALIZED for using Credit Cards because it is the standard method of payment for most people today and they LOVE A DISCOUNT.

If you run a small business and don't accept CC you are losing customers in todays world.

From: Fats
Date: 12-Oct-17

I did taxidermy myself and I only did cash didn't really have any real problems

From: Ollie Professional Bowhunters Society - Qualified Member Compton's Traditional Bowhunters
Date: 12-Oct-17

Jim, many companies have a cash and credit price. Makes sense. You are trying to advertise the best possible price and that is for cash transactions. Rather than have separate prices, I suggest listing the credit card price and then indicate there is a 3% discount for cash/check payments. This encourages people to pay cash/check and makes them feel like they are getting a special discount.

From: Bob Rowlands
Date: 12-Oct-17

Another vote for cash discount.

From: RymanCat
Date: 12-Oct-17

Cash you hide a CC you can't so don't go telling us there never was snow white in life.LOL

I hate cash/ credit prices. With a CC you have records. I had some bad experiences with cash. Especially when they screw something up and you have to go back on them and cash records are gone!!!!!!!!!

I had a PO not pay for a bow they broke because they would not honer the cash receipts.

Variables in all that we do.

From: BigOzzie
Date: 12-Oct-17

my vote

raise price/ give cash discount


From: K Cummings
Date: 12-Oct-17

Just my opinion, but I guess that's what you asked for.

Studies show that we are quickly becoming a cashless society, and retailers (especially retailers who sell non-essentials) who do not accept credit cards do so to their own detriment. Think about it, one or two additional thousand dollar mounts that you do for those who simply don't have the cash, will more than pay for the 2.75% charge on all the other mounts you do in a year.

Personally, I pay for everything I possibly can with my credit card. Everything from monthly utilities to major purchases like a vehicle (if they will let me). I never pay a finance charge and I love the perks and security I get by using my card.

Do what you have to do in order to accept them, but don't make your customers who use them feel like they are paying more to do so. They will eventually go somewhere else.


From: Catsailor
Date: 12-Oct-17

CC may be what makes the purchase possible . A person may not be able to gather the full price at once. A CC will let them make payments. I agree, a cash discount sounds much better than a surcharge for credit.

From: StickandString
Date: 12-Oct-17

The fees for cards are a business cost. Increase your fees to cover your costs.

From: Jim Keller
Date: 12-Oct-17

Thanks guys for all the input. Believe it or not probably 95% of my customers pay by cash or check. I might have to rethink charging extra for cards. That's why I asked you all. Thanks again. Jim

From: GVK
Date: 12-Oct-17

It's your business, but one or two bad checks a year would go a long way toward credit card fees. You could adjust your prices to cover CC fees and offer a discount for cash.

From: JusPassin Compton's Traditional Bowhunters
Date: 12-Oct-17

Let me ask, do you have to pay that same fee if it's a debit card transaction?

From: GF
Date: 12-Oct-17

I tend to agree with KPC -

Once you've delivered a mount, how much does it cost you to get paid if a check bounces? Time? Money? Aggravation? How much hassle is there for you in carting checks (and cash) down to the bank?

But 3% is a cost-of-living adjustment, and a lot of people I know have gone a damned long time without one. I totally understand if a business prefers cash/checks, and I don't think there is any law in any state that prohibits you placing a sign somewhere stating a preference.

On the other hand, there used to be a guy on another board who was really proud of the fact that he had named his HVAC service company something like Central Air Systems and Heating and told people when they wrote out a check that they didn't have to spell out the whole thing.... REEEAAALLL SMART, he thought he was....

I PAY my taxes; I don't like a lot of what I'm paying for, but I pay them just the same. A Tax Cheat is no better than a guy collecting bogus "Disability" checks or a parent who coaches their kids on how to act up so that they'll get put into special/at-risk programs at school and the parent can collect the extra "Crazy Money".... because (fortunately!) the govt pays extra to get troubled kids what they need - and UNfortunately, that sometimes happens whether they need it (or get it) or not.

From: Jim Keller
Date: 12-Oct-17

JusPassin, to be honest I'm not sure. I have square for my phone. It's 2.75 per swipe and 3.5% if the number is punched in. No other fees at all. I like it very much. But don't know about debit. In the few years I've had it, no one has asked for debit. I need to check on that. Thanks, Jim

From: spike78
Date: 12-Oct-17

A gun shop in my state advertises their guns on the website like this $299 cash or $319 with card for example. I can see that on their site and I know what the cost will be and will decide before I go there to buy a gun. I see no harm in advertising it that way.

From: Killbuck Professional Bowhunters Society - Associate Member Compton's Traditional Bowhunters
Date: 12-Oct-17

A lot of other advantages to dealing in cash.

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