@babecake: You’re right, all aren’t fail safe for sure, but it’s standard practice before the online shopping debut, email is just lazy and unprofessional. And there are ways to get a secure landline that isn’t shared for both uses, will you pay more? Yes, I know because I have one, a toll free one for my domestic & international clients. Bottom line is they have a business, they should run it like one, and those fees are what comes with running one.
As far as passing the fees on, I see many people do this. I don’t agree with this either, you first charge the customer, then you write it off at the end of the year anyway even though you recouped your money. That’s unprofessional IMO. :/
Jasmines could easily do like I said and create a product for the bride to checkout online, they do it all the time to add gowns, they just need to get the poper setup. Or they could use a online invoicing service, thats’s what I do. it costs me a bit in fees but then I properly write the business expense off when the time comes, and the fees are less than 4%.
I also have never seen a 10% credit card fee or merchant fee, and i’ve been helping clients set up with authorize.net, intuit, boa etc… for 6 years. If I ever saw one I would run the other way!
Sorry to go on a tangent, but this is something that really irritates me, if you’re a business, act like it, don’t endager your clients because you’re too greedy to treat them properly. With more and more apps that are 3% or so, online merchant waiving gateway fees in favor of a more flat fee model, there isn’t an excuse really.
I’ve had clients try to email me their credit cards before I told them no I use a secure system, to be honest that scared the crap out of me! Shops that have people email their numbers are not just endangering the client but themselves as well, that is a crapload of liability! Not to mention a little thing called PCI complience.
Original Poster, I still vote for the pre-paid card if you decide to do this or do a money order, I think someone said they took western union.
Stepping off soapbox, just don’t want people to take such risks with thier credit or losing thier bank account to a theif who intercepted thier info. 😉