Businesses: do you allow CREDIT CARD payments? - Lateral-g Forums

chopshop · #1 09-29-2009, 10:44 AM

Looking to see form the other resto (mod) shops if you accept credit card payments?

My credit card company just told me they dont want to accept labor rate charges by credit card anymore because car owners could end up trying to charge back a large amount once they took a finished ride from the shop.(WTF?!)

Who do you use/recommend?

**tones2SS** · #2 09-29-2009, 12:44 PM

Quote:

Originally Posted by chopshop

Looking to see form the other resto (mod) shops if you accept credit card payments?

My credit card company just told me they dont want to accept labor rate charges by credit card anymore because car owners could end up trying to charge back a large amount once they took a finished ride from the shop.(WTF?!)

Who do you use/recommend?

I know of another resto shop that doesn't take credit cards as well. (I personally asked and they said no.)
Never heard of this: My credit card company just told me they dont want to accept labor rate charges by credit card anymore because car owners could end up trying to charge back a large amount once they took a finished ride from the shop.(WTF?!)
That's strange!! lol

redfire69 · #3 09-29-2009, 01:22 PM

Won't some type of acceptance of services doc signed with the CC receipt cover you? Just a thought...

wedged · #4 09-29-2009, 02:53 PM

that's a good idea on their part. That way you couldn't get hit with a chargeback on labor. If someone decides they don't like the labor cost/quality they can dispute the charge with their card holder. Then until the dispute is cleared up, you are out the money.

Thread highjack: In a totally different, non automotive business,
I had a customer dispute a charge AFTER i had refunded their cc account. It can 2-3 days for a credit to show up on someones account. They thought it was instant and got PO'd and disputed the charge. Until it got cleared up, I was out 2x the $.

. The stupid part is that this person had signed a membership agreement with a 30 days notice cancellation policy. 3 months go by without seeing them as their monthy charge occurs and their in-house credit builds. Then they call all PO'd and demand refund, claim they never signed a contract, blah blah blah. So to be nice, we agree to refund them, even though we are not obligated. That's when they disputed the charges. At some point during this mess they call us back and say they will just come in and start their membership up again in about 1.5 months when they are back in town. We then told them, "sorry, but your money is no good here."

moral of the story: Contrary to popular belief, the customer is not always right, and some need to be told that fact. No one has the right to mistreat me or my staff and continue to use our service.

fesler · #5 09-29-2009, 02:58 PM

We have been doing CC for many years with no problems yet knock on wood. I know people can be bad and this is the first step to the CC telling you what you can and cant do because they need to make sure that they are protected as well.

Just when you thougth you have seen everything, the CC have all the control and at the rate they are going I dont think many people will use them too much longer. They are charging way too many points for everything.

**tones2SS** · #6 09-29-2009, 03:11 PM

Quote:

Originally Posted by fesler

We have been doing CC for many years with no problems yet knock on wood. I know people can be bad and this is the first step to the CC telling you what you can and cant do because they need to make sure that they are protected as well.

Just when you thougth you have seen everything, the CC have all the control and at the rate they are going I dont think many people will use them too much longer. They are charging way too many points for everything.

Very good point Chris. Which in turn, may make things worse for the consumer and eventually, businesses. Hopefully not!!

**GregWeld** · #7 09-29-2009, 03:52 PM

Now here's an issue I've run into.

IF you pay your credit card bill IN FULL each month - you can NOT dispute a prior charge. Payment in full signifies that you are fully satisfied with all the transactions.

Not many people I know pay their bills in full - but I do... I'm lucky and have been retired for many many years now... and I'm not making 12 or 20% on my money - UNLESS I pay my bill in full... in that case I'm making that same amount of interest on my money - because I'm not paying it!

:>)

If a customer has to put their shop charges on a credit card - I'd quit working on their stuff...

My .02

**Flash68** · #8 09-29-2009, 04:04 PM

I prefer to work with a shop that accepts credit cards so I can get the points (although they are worth less these days). Just because someone prefers to use credit card does not mean they cannot pay in cash. You get points and the benefit of 30 days cash flow by using credit cards. It's called personal financial management... assuming you have the discipline to manage it appropriately.

**GregWeld** · #9 09-29-2009, 05:31 PM

Flash --

That's the universal big IF...

Most don't have the discipline...

Seems our banks don't have it either!! LOL

**GregWeld** · #10 09-29-2009, 05:52 PM

Flash --

I wouldn't want to impugn anyones personal preference - and we each have our own. I'm just thinking that if I was working on a guys car - and it was going to be 1000's of dollars - and sometimes that much in one month... and he starts laying out a Visa... I'm going to be real real suspicious of whether or not that can really afford what he's doing.

There are - of course - many reasons why people use credit cards. We use our Alaska Air Visa for lots of big purchases - for the miles we rack up... and all our on line stuff if I can't use PayPal.

But these charges cost the business a fee and I don't think those fees are built in to many shops labor charges. Maybe I'm wrong. But I could certainly see why a shop wouldn't accept it.