Accepting Credit Cards
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Let’s face it; organizing services are not inexpensive, and there will be many occasions when someone would just love to hire you, but they don’t have the cash on hand. Maybe you’ve thought about signing up for a credit card merchant account, but were put off by the expensive monthly fees which you’re required to pay, even during months you have no credit card activity.
I was so happy to learn that there is an affordable alternative. You can sign up for an account with PayPal in just a few minutes, and there’s no application fee, nor are there any monthly fees. In fact, your only expense is a small percentage of any payments you receive.
With PayPal, your clients can use their VISA, MasterCard, American Express, or debit card to pay you online, and they don’t even have to sign up for a PayPal account themselves. As long as they have Internet access, they can make the payment while you’re at their home or office, and you can leave with peace of mind, knowing that you won’t have to worry whether their check will clear. With this system, you never have access to your client’s credit card information, which provides them with an additional level of security.
For a slightly higher fee, PayPal also offers a Virtual Terminal, which lets you enter your client’s credit card number online, which can be especially useful if he or she doesn’t have Internet access.
If you’re planning to sell physical or digital products through your website, PayPal is the ideal solution. Even the FlyLady is a big fan!
I know that some people are nervous about using PayPal, but I’ve been using it in my business for over five years and have always been 100% satisfied. Most of the horror stories you hear are related to emails from scammers pretending to be PayPal, trying to gain access to your account. This is called phishing, and although it’s unfortunately quite common, it has nothing to do with PayPal itself. I’ve received similar emails appearing to be from dozens of different banking institutions, and as long as you never click on links but only access your account by going directly to the website, you should be just fine.