[Jewelry making - Article 00591] - Re:[Orchid] Merchant Account/Credit Cards

[myredcar]

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    Hello Everyone, Merchant accounts vary with the hosting banks and the
    regulations for the various types of swipes: x% for physical swipe
    and hard copy, X++more money for mail order or over the phone with
    different rules, and their is the craft fair charge a swipe but no
    authorization until the portable machine returns to the business,
    links up to the phone line and all the data is transferred the
    riskiest type - good if your sales average about $25.00.  If sales
    average over $100.00 and no authorization can be done until you
    return home, there might be dead charges that the company eats, or
    sues the buyer(s). 

    If you have a cell phone and can afford the "roaming long distance
    charges" unless you have that doesn't charge for that, then you can
    call from your location and get a verbal authorization for charges. 

    Every institution charges differently.  Our company has a portable
    machine that can roam to wherever the sales are and have the use of
    a phone. We pay $99.00 per year because in a few years we will own
    the machine out right and still have access to using it for charge
    card sales. This machine was found in a craft magazine or if you have
    a "Ben Franklin Store" or other craft stores in your areas that have
    craft shows, seek them out to see if what types of charge card
    accounts they have for crafters.  Some of you might be surprised
    that some of the discounts are substantial because crafting is now a
    large home cottage industry. 

    Craft magazines have some very reputable charge card providers that
    offer a variety of memberships, depending on how you run your
    charges through.  A phone authorization is 2.9% of the sales, which
    also includes the taxed amount.  A swipe is less than 2%. 

    Costco and Sams clubs should have business services provided to
    Executive Members.  One thing very good about that is these Super
    Stores care about the services they provide and if you have a valid
    complaint about a company you use listed from their vender services,
    they will assist you. 

    We have been burned by many checks not clearing, so we offer
    DISCOUNT for Cash because it's worth it to our company.  They may
    use a charge card but they do not receive a cash discount.  Stated
    plainly on our Sales Flyers that are sent to our customer list, many
    buyers run across the street, go to one of 5 ATM machines to get the
    cash so they can get the discount.  No one has complained about this
    to date. 

    Cash sales are greater than charge card sales because many want the
    discount.  Those who use charge cards like to use them because they
    receive miles and fly to Vegas about every quarter. SCALES: 

    This might be a little late in the thread of scales but eBay has a
    large company that sells a large variety of scales with scales that
    can convert carats, grams, ounces with the  I don't remember the
    store's name but if you enter scales into eBay's search engine their
    name will pop up.  Hope this helps with some of you looking for
    scales. 

    With the Holidays approaching, we wish all of you a great Holiday
    Season. 

Waynette
HQCE
Buyer


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