Rates and Billing

Discuss setting rates and find billing resources and information.

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    #21 (permalink)  
Old 12-21-2008
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Default Re: How to get paid if leery of paypal
Google Checkout charges fees to the merchants like PayPal; the clients are not charged fees. Google Checkout will automatically deposit funds to your bank account - usually takes 3 days - sometimes it's quicker sometimes it's slower. Depends on what day of the week you have received the funds.
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    #22 (permalink)  
Old 12-21-2008
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Default Re: How to get paid if leery of paypal
I have used Pay Pal for my beauty consultant business in the past and had no problems with it, however I had small transaction and not that many of them. So I have no experience. But reading the post it makes me concerned just a bit. I know everyone does not have the same experience, but with that said I will look into my bank to see if they offer this service as you stated.

Originally Posted by virtualguy View Post
I've used PayPal before and I have a couple of clients that insist on using it but overall I don't like it. It doesn't take much to get caught up with them. They side with the customer almost all the time even when the customer is at fault or dead wrong. The vendor always gets punished with very little proof if any that they did anything wrong. I've been there before and it wasn't pretty either. Now I use a feature offered by my bank to send invoices to people and they can pay them. I pay $10 a month for the service but I don't have any transaction fees or headaches either.
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    #23 (permalink)  
Old 12-21-2008
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Default Re: How to get paid if leery of paypal
Originally Posted by jnix612 View Post
I have used Pay Pal for my beauty consultant business in the past and had no problems with it, however I had small transaction and not that many of them. So I have no experience. But reading the post it makes me concerned just a bit. I know everyone does not have the same experience, but with that said I will look into my bank to see if they offer this service as you stated.
It's definitely worth looking at if they have it available. To me PayPal would be better if they were not so arbitrary in dealing with businesses when customers have a beef about something IMO. Here is a piece of the email they sent me when I had an issue with a customer who decided that he wanted to dispute the bill even though he signed an acknowledgment noting there was an increased fee:

"Thank you for contacting PayPal. We apologize for the delay in responding to your service request. After review, the decision has been made to keep your account locked. This decision cannot be appealed.

If you have any further questions, please reply to this email."

What do you mean can't be appealed?? My money is sitting in your holding pen and I've provided you with everything that you asked me for proving that the client was pulling your chain yet you wont release my funds to me? It was a shame that it took the act of my high priced suits and a judge to force them to release my money.

There are some really good payment systems that have been mentioned that may suit your needs as well. PayPal has been good to many but unfortunately not to me. That one experience put a nasty taste in my mouth and I took the business of my business elsewhere.
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    #24 (permalink)  
Old 12-21-2008
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Default Re: How to get paid if leery of paypal
Melvin,

Thanks for sharing your experiences with Paypal.

You have me thinking about checking out the financial institution's rules for arbitration before signing up. If my bank had an invoice to payment service, how would they have handled a similar situation?

I wonder how google checkout would have handled this as well?

I ask because everything seems to go smoothly until there is a problem. Imagine locking your entire account for one client payment? My blood boils just thinking of that

I use Paypal right now and pay the charges. As I am taking on more work, the charges are 'getting to me'. I was thinking of google checkout but don't know the arbitration rules. I'm not sure about my banking options, but again, not sure who will side with whom if a client questions my invoices and complains.

You've got my brain cells in overdrive...I don't want to wait until 'something happens' to find out how an institution will handle a problem.

Jan
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    #25 (permalink)  
Old 12-22-2008
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Default Re: How to get paid if leery of paypal
One thing that I found with my bank is that they don't play the games that PayPal does. My sister clued me in on this. When someone decided to pull a fast one and reverse the charge, the bank was all over that. They took all of her supporting documentation and presented it to that persons financial institution/credit card company and their credit card company told them "You agreed to it, so you owe it." And the entire process took less than 5 business days to go from start to finish. In her case it seemed like the bank valued their customer and went the extra mile to ensure that right was right and they took care of her.

She had a dedicated fraud prevention specialist that worked with her every step of the way until it was resolved. It sold me on using their services and I haven't been disappointed yet.
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    #26 (permalink)  
Old 12-22-2008
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Default Re: How to get paid if leery of paypal
Melvin, What kind of service is this called through a bank? I'm with a big, national bank (one that hasn't tanked, yet!) so I plan to ask them. I assume you'd need a business account for such a service.

In the meantime, I'll do the google checkout research on arbitration.

It seems that handling payments oneself, via deposits upfront and/or wire transfers appears to be the only way to have any real financial control.

Thanks,
Jan
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    #27 (permalink)  
Old 12-22-2008
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Default Re: How to get paid if leery of paypal
This is all so very helpful. Jan you are right we better ask questions because I can't imagine the experience Melvin had with PayPal. I'd rather be proactive and reactive. I'm less stress when I work in this way.
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    #28 (permalink)  
Old 12-22-2008
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Default Re: How to get paid if leery of paypal
I have had an account with PayPal for years, since the beginning, I recently had my account locked. I used to be a PayPal supporter; but not after this. I have had some chargebacks and disputes and usually always resolved in my favor.

But this time, they locked my account without cause. The only thing I can see is that I received a rather large payment from a client and immediately transferred my money to my bank account - 2 days later my account was locked!

I have received large payments in the past - over $2000 - and never had my account locked -

Good thing I only had $40 in there when the locked it!

So for now I have 1 client set up with wiretransfer; and everyone else can mail me a check or pay me through SWREG (digital river) or AlertPay - until I set up a merchant account.

Nancy
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    #29 (permalink)  
Old 12-22-2008
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Default Re: How to get paid if leery of paypal
Oh Nancy that's terrible. Yea you can't run your business like this. You depend on your money to run the business and if they are locking the accounts for whatever reason is not good.
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    #30 (permalink)  
Old 01-10-2009
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Default Re: How to get paid if leery of paypal
Has anyone heard of CalliPay? I've been talking with them and am very impressed with their services. Their fees seem to be in-line with PayPal, but they are much more professional. They even do a Payment Page at no charge that is seamless to your website. Plus, the person I spoke with said they are working with IVAA to become a Premier Partner and will be offering VAs discounts. I haven't signed with them yet, there is a lot of paperwork involved. Just curious if anyone has heard of them or is using them.
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    #31 (permalink)  
Old 01-20-2009
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Default Re: How to get paid if leery of paypal
Stay away from paypal. Far away.

You are better off with a real merchant account.

Paypal is more expensive and there are way to many people that have had 180 day freezes on their accounts.

I would stay away from ANY of the online payment options.

Merchant accounts are easy to get even with bad credit. You just have to know where to look.
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    #32 (permalink)  
Old 02-08-2009
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Default Re: How to get paid if leery of paypal
I'll throw in another vote for Google Checkout. They are definitely my favorite service for invoice payments! Zoho Invoice pairs with Google Checkout too which allows for super easy invoicing.
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    #33 (permalink)  
Old 02-09-2009
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Default Re: How to get paid if leery of paypal
I've used Google Check out and had great luck, ususally 3 days to get it into your bank account. One question, how do you handle the processing fees? Do you split with the client, do you pay for them all, do you charge your client?
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    #34 (permalink)  
Old 02-09-2009
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Default Re: How to get paid if leery of paypal
Originally Posted by ksteckler View Post
I've used Google Check out and had great luck, ususally 3 days to get it into your bank account. One question, how do you handle the processing fees? Do you split with the client, do you pay for them all, do you charge your client?
I use PayPal, but I pay all the processing fees. I build them right into my hourly rate. They are tax deductible as a business expense.
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    #35 (permalink)  
Old 02-09-2009
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Default Re: How to get paid if leery of paypal
I am not passing any processing fees down to the client for invoice payment. I see that as a cost of business and just something to take into account when figuring out what fees I need to charge.
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    #36 (permalink)  
Old 03-18-2009
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Default Re: How to get paid if leery of paypal
Oh this was a big help to me as well. Thanks all!!
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    #37 (permalink)  
Old 03-23-2009
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Default Re: How to get paid if leery of paypal
Melvin,

I'm curious as to how this works with your bank? Do you have to have an account with them? Do they invoice or do you? How do clients make payments into your account?

I'm used to using PayPal for purchases and had been considering them for my business. But now I'm having reservations. Using my bank seems extremely secure!

Carol
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    #38 (permalink)  
Old 03-23-2009
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Default Re: How to get paid if leery of paypal
You can check with your bank to see if they offer credit card processing services; merchant accounts. OR search for a merchant account on your own. Sometimes bank fees are much higher than if you set up your own merchant account. You would submit the invoice; and the client would pay using their credit card or echeck; you could have them fill out a credit card authorization form so that you always have their info on file; once they approve an invoice you bill their card. You can do that using your merchant account virtual terminal. OR if you set up a service like FreshBooks and link it to your merchant account; you can send the invoice and the client will have the ability to view their invoice and pay your bill online.

Nancy
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    #39 (permalink)  
Old 03-23-2009
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Default Re: How to get paid if leery of paypal
I too have had very bad experiences with Paypal. One of which was an exchange issue. They stated that their exchange was XX and then gave me a lower rate. They claimed it was my timing. Right! Thereafter I started using a merchant account and charging clients on their credit card. The nice thing about that is that I can put the payment through (after getting an ongoing permission letter from the client). This way I know when the money will be coming. No late payments.
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    #40 (permalink)  
Old 04-03-2009
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Default Re: How to get paid if leery of paypal
With starting my business this all has been some great information, and I will look into them all. I used google checkout when I had my online boutique business and I never had a problem with it. So I guess while I am in the process of checking out all the other options then I think google is the way I am going to go.
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