Have you considered accepting credit cards but are overwhelmed by the complex and deceiving credit card processing companies? Keep it simple!

1. Set up a PayPal account. This way you can request money from clients via email. This is a great way to get down payments for at home parties.
2. Get a mobile credit card reader. If you’d like to keep it really simple and stick with Paypal you can order a reader from them at no charge. Download the app on your phone or tablet and swipe using your device. Clients are becoming familiar with this method and is now considered convenient and professional. Clients can receive text or email receipts. You’ll also have easy access to records for every transaction.
3. If you’re worried about loosing money from credit card transaction rates, you could offer a discount for clients paying with cash or check. First, raise your prices by 5% then give cash/check clients the 5% discount. Client’s appreciate a discount opposed to feeling like they’re getting penalized.

When I owned my day spa I tried several different credit card processing companies and ultimately reverted back to using PayPal. Major problems with credit processing companies are the unclear fees. Typically, you owe money for the hardware, monthly fees, then huge yearly fees can apply for “compliance.” Not to mention the rates charged per transaction vary so much that you never really know what you’re actually paying.

Beware, that when you accept credit cards unhappy clients are able to file Credit Card Chargebacks with their credit card companies.

When clients are paying with credit cards they are more likely to spend more money. So it is ultimately to your benefit to accept credit cards. It can also come in handy if you decide to implement a “no show” policy.