My fondest wish for my shop would be for Ruby Lane to set up an in-house credit card merchant account that would make it possible for shoppers to shop on Ruby Lane with their credit cards without outsourcing it to Paypal... kind of the way it works on Amazon... your card(s) is on file with the site, and all you have to do is choose it at checkout... done. And I know other shop owners who would like this too.
I used to use ProPay but I cancelled after an elderly lady did 2 chargebacks for "unauthorized charges" after making 2 purchases , a bit apart, that she "forgot about"...these chargebacks were done some months after the purchase date. Even though she admitted her error and even wrote a letter for me to ProPay, confirming her mistake, they said I could only have access to my account if I left $600 in "escrow" with them. I found that to be unacceptable and closed my account. I did not find that to be good customer service at all!
Credit Card Processing - "I" don't see that happening anytime in the near future especially after the negative response received from shop owners about how the gift card payments were to be processed - where the item would have to be marked as shipped and the ordered finalized before a shop payment would be processed. The Etsy model works in much the same way, you have to mark the item as shipped before a payment is processed. Here is a link to the FAQ concerning credit card precessing with respect to direct deposit: http://www.etsy.com/help/article/2035
If the number of requests you receive to process a standard credit card payment are numerous, or you offer high dollar items where providing another option for purchasing an item other than PayPal may increase sales, then you may want to consider subscribing to a credit card processing site, such as ProPay.
ProPay is one of the more recognized online credit card processing site. There are annual fees associated with the program level you chose. The program level determines the dollar amount you can process in any given month. And, of course, there are rules and guidelines for specific types of transaction. The best course of action is to 'read' the information provided, determine if your sales warrant the use of this type of program and then make your decision. RL cannot endorse any one program.
Hi Carol :)
There is a very relevant difference that I think you may have missed there!
RL was only going to allow us to get our funds AFTER the customer had received the item, ie after the order was finalized *not* after we had shipped, like with the Etsy model. Big difference IMHO as it was the wait time for delivery that was one of the concerns voiced here at least by a number of shops, me included ;)
Getting the funds directly after shipping (which I usually do the day after payment) is very different than in waiting a week or more for domestic, and much longer for international delivery, as the RL Gift Card was requiring
I had actually hoped that RL was going to keep the Gift Card and do payout earlier, or at least on the order being marked "shipped"...
but that's another thread ;)
back to CC stuff which I do think would be great if it could be implemented.
For now, I just invoice customers who may want to use a CC but don't have Paypal accounts and they can use the "one time CC" option on PP. Over the years, only one customer has ever turned down that option (and used a check instead) as she did not like PP
Ruby Lane - Carol Augustine said:
The Etsy model works in much the same way, you have to mark the item as shipped before a payment is processed. Here is a link to the FAQ concerning credit card precessing with respect to direct deposit: http://www.etsy.com/help/article/2035
I am going to sit this discussion out. I will let all of you have at it.
I certainly would-I use what the customer chooses-paypal,me,propay or the merchant account. and it works so far but I don't like to have two merchant accounts. Judy