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Accepting credit cards for web design services
Accepting credit cards for web design services

 4:22 am on Nov 12, 2004 (gmt 0)

I'm new to this forum, but have not found a thread that discusses the pros and cons of accepting credit cards for a web design business.

Does it increase business? Do you get more projects when you can accept cards?

What merchant account providers make the most sense? (those that charge more than 4% are out of the question).

What is better - a web based cart or a regular old fashioned terminal? I've not understood how to do address verfication on a ten-key in order to get the address verified rates.

Interesting posts on the business of web design. Huge site to explore.

Thanks for any comments.

San Antonio, Texas



 5:55 am on Nov 12, 2004 (gmt 0)

I've yet to have a single web design client ask to pay by credit card. I do have a PayPal account in the event that one ever does.


 6:07 am on Nov 12, 2004 (gmt 0)

I never had anyone ask to pay by CC either.

I think most people prefer to pay by check, because they can keep track of the expenses. Make notes on them.


 3:45 am on Nov 13, 2004 (gmt 0)

Does the same hold true for the graphic artists/advertising people? I come from the programming side, so I don't have the perspective that the design firms have.


 3:51 am on Nov 13, 2004 (gmt 0)

I take paypal for piecemeal stuff - pick up work. This is generally easier for long distance clients.

If your clients want to "finance" their website with a credit card - remind them that most credit card issuers offer checks that get debited against the credit card balance - you get a nice check and they get to make monthly payments.

I wouldn't want to pay merchant account monthly fees "just in case" someone wants to use a CC.

I just tell people they can use paypal, but that they have to split the difference on the transaction fees - that stuff ads up quickly (but still cheaper than $40/month for a merchant account).


 4:31 am on Nov 13, 2004 (gmt 0)

Hi Don, from another Texan...

We accept credit cards, using a merchant's account. We have a number of corporate types that like to use their card to pay their invoices. We started because we had quite a few ask us if we did. FWIW, we do some hosting in addition to the design and other services and it's nice for the recurring items.

We use Authorize.net and don't have a physical terminal, we generally use the virtual terminal. As far as increasing business, I think that depends on where you are and who your clients are. It's helped in our case, but your mileage may vary... Actually, in some cases, we get our $$ faster than we would've going the invoice and wait route. :)

Hope this helps.



 12:29 pm on Nov 14, 2004 (gmt 0)

98% of my clients pay by credit card (we charge for monthly hosting and SE promotion).

We also use Authorize.net. The client rarely uses the online processing facility, most of the billing is done via a virtual terminal, billed by us.

For us the large corporate clients, who represent a tiny percentage of clients, but a huge percentage of revenue, actually prefer to pay by check or ACH.

IMHO if you are targeting clients who pay less than $300 per month, you need to be able to process credit cards. For those that pay $500 to $50,000+ per month you need a good invoicing and check processing system.

I had a client last month that has been paying by monthly check for over 4 years ask me if it would be more convenient to be billed by credit card, as they had paid on time I of course said no, but that is an indication of how folks think these days :)


 11:06 pm on Nov 15, 2004 (gmt 0)

Thnks for the insights.

I'll wait till next year and see if accepting credit cards is something that will help clients. I've not been asking them, and will start.


Corey Bryant

 11:21 am on Nov 16, 2004 (gmt 0)

If your income is more than $1,000 a month, consider a merchant account. If you give your customers the option - a lot of times, they will choose a credit card because of the points that most of them offer. And the convenience. Plus it does help you in the long run - you get your money usually within 24-48 hours instead of waiting on the mail for the check.

Most gateways (LinkPoint, Authorizenet.com, Verisign) will provide a virtual terminal as well as a free secure webpage for processing credit card information.



 8:08 pm on Nov 19, 2004 (gmt 0)

sorry guys not trying to advertise here or anything..but don if your looking for a cheap/easy way to accept credit cards without having to pay terminal fee's or even get a terminal..Contact me and I can give you a great alternative way to accept credit cards..


 11:29 pm on Nov 19, 2004 (gmt 0)

If you are in the web dev business
You might have a showcase site
And if you are offering E-comm then why not set a demo shopping cart
and by the same token accept CC


 3:59 am on Nov 20, 2004 (gmt 0)

Some good ideas.

I've wondered how to structure a shopping cart that allowed clients to pay for variable services.

Almost need an online invoicing and payment system, where I send my client an email with a link to an invoice they can pay for via credit card.

For hosting and domains it's easier to use one of the big registrars' branded affiliate programs than to set up and manage it. Thought about that as well. Probably a good topic for another thread.

Keep the ideas coming.



 2:48 am on Nov 22, 2004 (gmt 0)

I use QB and their merchant services. I send the invoice to their email address through the QB program and the email has a button that says, "Pay Online". The link goes to the QB site, with the client name and amount owed. It's very easy to use for both my clients and I.


 12:39 pm on Nov 22, 2004 (gmt 0)

What's: QB? :)


Corey Bryant

 1:31 pm on Nov 22, 2004 (gmt 0)

What's: QB? :)




 1:57 pm on Nov 22, 2004 (gmt 0)

interesting, thanks



 7:37 pm on Nov 22, 2004 (gmt 0)

Sorry, didn't know if the full name was allowed. :)


 12:49 am on Nov 23, 2004 (gmt 0)

Get a merchant account. A LOT of clients will use their AMEXs simply for the points. Aside from that...99% of our volume comes through credit cards. IMHO they are a must. The QB merchant account simplifies the process a lot.

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