Graphic Designer, Logo Designer, Web Designer, Blogger, Creative Thinker, Uni Student, Freelancer
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Posted 3 years ago.
Good points raised. I try to encourage bank transfer but for overseas guests, PP may be only option. Not happy they can request money back tho...can this only happen if you have dosh in there? Also, recently (beginning december) another guest paid me by email and got my address wrong. Money disappeared to this wrong address. She is still fighting to get her money back.
Most of my clients pay by check, so I don't have to use Paypal often, but the ones that do pay by Paypal shouldn't have to be charged more to cover that fee. It's just the cost of doing business. If you offered credit card as a payment through another payment gateway, you'd have to pay that too. At least it's a tax write off!
I like to give the sense that I'm giving to my clients. I don't like nickel and dime business models. I want to make it easy for people to buy.
First Don't use paypal for billing, get a real merchant acct. Secondly, it is against TOS, not only for paypal but for Visa, MC, Discover and AMEX. You can loose your processing abilities for charging extra for the privilege of using a CC.
I have turned companies in for it, because I don't want to pay for their cost of doing business. I have to pay it, so should they.
There is a movement right now to lower those fees (i've been meaning to check it out), I believe it's called "The Merchants Bill of Rights" (do a search on google, I'm going to).
Anyway, to sum up... Those fees are being paid by all the businesses who accept credit cards, think about going to buy something and paying an additional 1.9% - 2.9% on the bill for using a credit card; wouldn't you be upset. Well by charging your clients this, thats what your doing.
It's a cost of doing business, plain and simple.
I think Oliver is correct that it violates the TOS to charge more. I do accept it, but prefer bank transfer.
Well you can use Paypal and not have it show up as paypal they do have a merch side of things. But your point on the client can lodge a complaint and get money back they can also do this via credit card payment as a charge back..... In all the way's of payment there's always something that can happen.
I would never use paypal for clients personally, there is too much risk that they can argue they received anything and steal your money back. Plus I think that it looks a little amateurish to be accepting money via paypal...
I think its against PayPal T&C to actually charge more. It was last time I checked.