David & Diane Chen on fri 30 jul 99
-------------------
In going through the archives, it seem most people liked Novus as a credit =
card
company. Is that still the case? This info was several years old. I'd =
just
like an update.
Diane
massachusetts
Gary Elfring on mon 3 jan 00
At 12:00 AM 1/3/00 -0500, you wrote:
>For example, if you have a
>disagreement with a customer, ccnow will always refund the customer's money
>eventually. That's okay by me, since I offer to take back anything a
>customer isn't completely satisfied with, but others might find this
>automatic largesse irritating.
CCNOW may say that this is the way they do business, but they are simply
following US law.
There is a Federal law that covers all credit card transactions that take
place without a physical swipe of the card. If the card wasn't present at the
time of purchase, any consumer, within 60 days of receiving his/her credit
card statement can request a chargeback. The money in question is immediately
taken from the merchant and applied back to the credit card holders account.
Then a complicated (and pointless) process goes on in which the merchant
credit card company asks what happened. It doesn't matter what the answer
is because US law states the merchant account must always take the word
of the credit card holder over that of the store. So in the end the customer
gets his/her money back and the merchant account holder loses that money, plus
they are typically assessed a healthy $25 or so penalty. If you get too many
chargebacks in a given period of time, the credit card companies terminate
your merchant account.
The only way to avoid this problem is to give full refunds to anyone who asks
for one.
Elfring Fonts, Inc Bar Codes, MICR, and decorative fonts for Windows
http://www.elfring.com
mel jacobson on mon 12 feb 01
i have found that encouraging my customers to pay me in cash
is a wonderful system. i usually give a free mug, or other small
gift when i get cash.
then, buy a fireproof safe, bolt it to the floor in a closet.
.....save it. makes for easy book work.
my dad used to say...`cash in fist...cif, best system in the world`.
paying interest on anything is like burning money. being solvent
is about making simple, good decisions, then stick to it.
mel
From:
Minnetonka, Minnesota, U.S.A.
web site: http://www.pclink.com/melpots
Brad Sondahl on wed 30 jan 02
Thanks to the people who have responded to my query. Would someone be
so kind as to explain the different concepts involved, like Credit Cards
for Dummies? Like, if you have a cardswipe system, does it need a
separate phone line (is it on all the time?), and does it make long
distance toll calls to check? If you use the manual impression machine
(as some have suggested they do at fairs), what exactly do you later to
enter them in?
From looking at the site related to Potterscouncil, it appears the
highest cost is the equipment purchase/lease, and it looks to be roughly
$35/month. I don't worry too much about the percentages they charge (if
they make a sale I wouldn't make otherwise), but it seems like it would
have to boost sales a lot to justify $400 in cost per year.
TIA
Brad Sondahl
--
For original art, music, pottery, and literature, visit my homepage
http://home.earthlink.net/~bsondahl/
Pottery homepage http://sondahl.freeyellow.com
New music site at mp3.com http://www.mp3.com/sondahl
Judith S. Labovitz on wed 30 jan 02
Brad...my experience is limited, but here goes...our guild purchased 5
swipie (manual) machines at about $22-25 each (I forget
exactly). Following the sale, several of us make the toll-free calls to
get the authorization (which also automatically completes the
transaction) Within 2 working days the "money" is credited to our
account. We have no monthly fees etc as I explained in an earlier
post. Michigan Retailers supplies us with all the paper transaction forms
we need. Dues to Michigan Retailers, and the 2-3% commission on the
sales seem to be our only expenses.
Our sales have increased but I have no way of knowing to what extent the
increase was due to credit cards or our fabulous pots!!!
We only use it twice a year, for 3 days each....so for 6 days a year it
didn't make much sense for us to get any more sophisticated than that. so
far its working!
good luck
judy
At 08:18 AM 1/30/02 -0800, you wrote:
>Thanks to the people who have responded to my query. Would someone be
>so kind as to explain the different concepts involved, like Credit Cards
>for Dummies? Like, if you have a cardswipe system, does it need a
>separate phone line (is it on all the time?), and does it make long
>distance toll calls to check? If you use the manual impression machine
>(as some have suggested they do at fairs), what exactly do you later to
>enter them in?
> From looking at the site related to Potterscouncil, it appears the
>highest cost is the equipment purchase/lease, and it looks to be roughly
>$35/month. I don't worry too much about the percentages they charge (if
>they make a sale I wouldn't make otherwise), but it seems like it would
>have to boost sales a lot to justify $400 in cost per year.
>TIA
>Brad Sondahl
>--
>For original art, music, pottery, and literature, visit my homepage
>http://home.earthlink.net/~bsondahl/
>Pottery homepage http://sondahl.freeyellow.com
>New music site at mp3.com http://www.mp3.com/sondahl
>
>______________________________________________________________________________
>Send postings to clayart@lsv.ceramics.org
>
>You may look at the archives for the list or change your subscription
>settings from http://www.ceramics.org/clayart/
>
>Moderator of the list is Mel Jacobson who may be reached at
>melpots@pclink.com.
L. P. Skeen on wed 30 jan 02
Like, if you have a cardswipe system, does it need a
> separate phone line (is it on all the time?), and does it make long
distance toll calls to check?
NO and no. I have one phone line and the cc machine is only online when
calling in a card. The phone number it dials is toll free.
f you use the manual impression machine (as some have suggested they do at
fairs), what exactly do you later to
> enter them in?
You have to call them in and key in the information manually on your
telephone keypad. "Welcome to the global payments system touchtone approval
and capture system. To proceed without prompts, press 1. To proceed with
prompts press 2. Enter your merchant number and then press the pound key.
Enter the bank number and then press the pound key. Enter the transaction
code and then press the # key. Enter the card number and then press the
pound key. Enter the expiration date, with two digits for the month and two
digits for the year, and then press the pound key. Enter the exact charge
amount, including dollars and cents, and then press the pound key. You
entered 'x dollars and x cents.' If this is correct press the pound key.
Please wait for processing. Approved, zero, one, two, three, four, five.
Approved, zero, one, two, three, four, five."
It takes a minute or two for each transaction. The money is deposited in
your bank account the day FOLLOWING you keying all this in.
L
Jennifer F Boyer on wed 30 jan 02
If you have an electronic swipe machine you don't need a
seperate line. It gets plugged into your phone line and only
uses it when doing a transaction or closing out. I don't know if
it's a long distance call, but I doubt it is. If you use a
manual swiper at a show, you key those sales into your swiper
when you get home. These are s little more expensive than if you
have the card. Some companies let you have an account where you
do paper transactions and then key them in from your home phone,
no electronics needed. This method is more expensive per
transaction, but you only need to buy the manual swipe machine.
You should be able to find used electronic equipment for 200.00
or less. Try Ebay, as someone suggested. Better to own than
rent, at those prices!
Take Care
Jennifer
Brad Sondahl wrote:
>
> Thanks to the people who have responded to my query. Would someone be
> so kind as to explain the different concepts involved, like Credit Cards
> for Dummies? Like, if you have a cardswipe system, does it need a
> separate phone line (is it on all the time?), and does it make long
> distance toll calls to check? If you use the manual impression machine
> (as some have suggested they do at fairs), what exactly do you later to
> enter them in?
> >From looking at the site related to Potterscouncil, it appears the
> highest cost is the equipment purchase/lease, and it looks to be roughly
> $35/month. I don't worry too much about the percentages they charge (if
> they make a sale I wouldn't make otherwise), but it seems like it would
> have to boost sales a lot to justify $400 in cost per year.
> TIA
> Brad Sondahl
> --
> For original art, music, pottery, and literature, visit my homepage
> http://home.earthlink.net/~bsondahl/
> Pottery homepage http://sondahl.freeyellow.com
> New music site at mp3.com http://www.mp3.com/sondahl
>
> ______________________________________________________________________________
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
--
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Jennifer Boyer mailto:jboyer@adelphia.net
Thistle Hill Pottery
95 Powder Horn Glen Rd
Montpelier, VT 05602 USA
802-223-8926
http://www.thistlehillpottery.com/
Never pass on an email warning without checking out this site
for web hoaxes and junk:
http://urbanlegends.about.com/
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Craig Clark on wed 30 jan 02
Can anyone suggest a merchant account source that will let me use the
manual type of card swiper at festivals. The few that I have contacted have
required that I invest in rather expensive "electronic" epuipment that is
essentially a cell type base station that transmits the infor instantly,
rather than going back to the hotel (or home) and keying the information in.
Craig Dunn Clark
619 East 11 1/2 st
Houston, Texas 77008
(713)861-2083
mudman@hal-pc.org
----- Original Message -----
From: "L. P. Skeen"
To:
Sent: Wednesday, January 30, 2002 1:33 PM
Subject: Re: credit cards
> Like, if you have a cardswipe system, does it need a
> > separate phone line (is it on all the time?), and does it make long
> distance toll calls to check?
>
> NO and no. I have one phone line and the cc machine is only online when
> calling in a card. The phone number it dials is toll free.
>
> f you use the manual impression machine (as some have suggested they do at
> fairs), what exactly do you later to
> > enter them in?
>
> You have to call them in and key in the information manually on your
> telephone keypad. "Welcome to the global payments system touchtone
approval
> and capture system. To proceed without prompts, press 1. To proceed with
> prompts press 2. Enter your merchant number and then press the pound key.
> Enter the bank number and then press the pound key. Enter the transaction
> code and then press the # key. Enter the card number and then press the
> pound key. Enter the expiration date, with two digits for the month and
two
> digits for the year, and then press the pound key. Enter the exact charge
> amount, including dollars and cents, and then press the pound key. You
> entered 'x dollars and x cents.' If this is correct press the pound key.
> Please wait for processing. Approved, zero, one, two, three, four, five.
> Approved, zero, one, two, three, four, five."
>
> It takes a minute or two for each transaction. The money is deposited in
> your bank account the day FOLLOWING you keying all this in.
>
>
> L
>
>
____________________________________________________________________________
__
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at
melpots@pclink.com.
>
Jennifer F Boyer on thu 31 jan 02
Have you tried your own hometown bank? Several in our area
provide this service for their customers..
Jennifer
Craig Clark wrote:
>
> Can anyone suggest a merchant account source that will let me use the
> manual type of card swiper at festivals. The few that I have contacted have
> required that I invest in rather expensive "electronic" epuipment that is
> essentially a cell type base station that transmits the infor instantly,
> rather than going back to the hotel (or home) and keying the information in.
> Craig Dunn Clark
> 619 East 11 1/2 st
> Houston, Texas 77008
> (713)861-2083
> mudman@hal-pc.org
>
> ----- Original Message -----
> From: "L. P. Skeen"
> To:
> Sent: Wednesday, January 30, 2002 1:33 PM
> Subject: Re: credit cards
>
> > Like, if you have a cardswipe system, does it need a
> > > separate phone line (is it on all the time?), and does it make long
> > distance toll calls to check?
> >
> > NO and no. I have one phone line and the cc machine is only online when
> > calling in a card. The phone number it dials is toll free.
> >
> > f you use the manual impression machine (as some have suggested they do at
> > fairs), what exactly do you later to
> > > enter them in?
> >
> > You have to call them in and key in the information manually on your
> > telephone keypad. "Welcome to the global payments system touchtone
> approval
> > and capture system. To proceed without prompts, press 1. To proceed with
> > prompts press 2. Enter your merchant number and then press the pound key.
> > Enter the bank number and then press the pound key. Enter the transaction
> > code and then press the # key. Enter the card number and then press the
> > pound key. Enter the expiration date, with two digits for the month and
> two
> > digits for the year, and then press the pound key. Enter the exact charge
> > amount, including dollars and cents, and then press the pound key. You
> > entered 'x dollars and x cents.' If this is correct press the pound key.
> > Please wait for processing. Approved, zero, one, two, three, four, five.
> > Approved, zero, one, two, three, four, five."
> >
> > It takes a minute or two for each transaction. The money is deposited in
> > your bank account the day FOLLOWING you keying all this in.
> >
> >
> > L
> >
> >
> ____________________________________________________________________________
> __
> > Send postings to clayart@lsv.ceramics.org
> >
> > You may look at the archives for the list or change your subscription
> > settings from http://www.ceramics.org/clayart/
> >
> > Moderator of the list is Mel Jacobson who may be reached at
> melpots@pclink.com.
> >
>
> ______________________________________________________________________________
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at melpots@pclink.com.
--
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Jennifer Boyer mailto:jboyer@adelphia.net
Thistle Hill Pottery
95 Powder Horn Glen Rd
Montpelier, VT 05602 USA
802-223-8926
http://www.thistlehillpottery.com/
Never pass on an email warning without checking out this site
for web hoaxes and junk:
http://urbanlegends.about.com/
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
L. P. Skeen on thu 31 jan 02
Craig, call your bank. I have been doing my CC business with my bank for 3
years or more. I had to pay a higher % to use the knucklebuster because I
did not have a storefront at the time, but worth the hassle because taking
cc does increase sales. :)
L
----- Original Message -----
From: "Craig Clark"
To:
Sent: Wednesday, January 30, 2002 7:39 PM
Subject: Re: credit cards
> Can anyone suggest a merchant account source that will let me use the
> manual type of card swiper at festivals. The few that I have contacted
have
> required that I invest in rather expensive "electronic" epuipment that is
> essentially a cell type base station that transmits the infor instantly,
> rather than going back to the hotel (or home) and keying the information
in.
> Craig Dunn Clark
> 619 East 11 1/2 st
> Houston, Texas 77008
> (713)861-2083
> mudman@hal-pc.org
>
> ----- Original Message -----
> From: "L. P. Skeen"
> To:
> Sent: Wednesday, January 30, 2002 1:33 PM
> Subject: Re: credit cards
>
>
> > Like, if you have a cardswipe system, does it need a
> > > separate phone line (is it on all the time?), and does it make long
> > distance toll calls to check?
> >
> > NO and no. I have one phone line and the cc machine is only online when
> > calling in a card. The phone number it dials is toll free.
> >
> > f you use the manual impression machine (as some have suggested they do
at
> > fairs), what exactly do you later to
> > > enter them in?
> >
> > You have to call them in and key in the information manually on your
> > telephone keypad. "Welcome to the global payments system touchtone
> approval
> > and capture system. To proceed without prompts, press 1. To proceed
with
> > prompts press 2. Enter your merchant number and then press the pound
key.
> > Enter the bank number and then press the pound key. Enter the
transaction
> > code and then press the # key. Enter the card number and then press the
> > pound key. Enter the expiration date, with two digits for the month and
> two
> > digits for the year, and then press the pound key. Enter the exact
charge
> > amount, including dollars and cents, and then press the pound key. You
> > entered 'x dollars and x cents.' If this is correct press the pound
key.
> > Please wait for processing. Approved, zero, one, two, three, four,
five.
> > Approved, zero, one, two, three, four, five."
> >
> > It takes a minute or two for each transaction. The money is deposited
in
> > your bank account the day FOLLOWING you keying all this in.
> >
> >
> > L
> >
> >
>
____________________________________________________________________________
> __
> > Send postings to clayart@lsv.ceramics.org
> >
> > You may look at the archives for the list or change your subscription
> > settings from http://www.ceramics.org/clayart/
> >
> > Moderator of the list is Mel Jacobson who may be reached at
> melpots@pclink.com.
> >
>
>
____________________________________________________________________________
__
> Send postings to clayart@lsv.ceramics.org
>
> You may look at the archives for the list or change your subscription
> settings from http://www.ceramics.org/clayart/
>
> Moderator of the list is Mel Jacobson who may be reached at
melpots@pclink.com.
>
chris Campbell on thu 31 jan 02
Using the manual credit card machines is probably the most expensive
way to take cards, but better than not accepting cards at all.
The banks want to get rid of them because they are slow and labor
intensive for them. They charge you for every single transaction you process
and your percentage fee will usually be higher. They don't care if you
complain because some truly want you to go elsewhere with this type of
business.
The good news is that you can usually buy a cheaper, used electronic
machine which truly does make the whole process simpler and faster.
Either way - accept cards. Impulse purchases increase sales by 30 to
50 percent.
Chris Campbell - in North Carolina - my magnolia tree is blooming !! - the
silly thing doesn't know it's still January.
Chris Campbell Pottery
9417 Koupela Drive
Raleigh NC 27615
e-mail : ccpottery@aol.com
website : www.wholesalecrafts.com
Imzadi D. on sat 2 feb 02
I don't have my own retail credit card account. What I do instead when I
sell on eBay, which gives me the flexability to have customers use their
credit cards WITHOUT registering with PayPay just to make a payment is to
have the customers give me their credit card numbers, exp. dates and EXACT
billing address. Then _I'd_ go to www.webcertificate.com and purchase myself
(using the customer's credit card info given) a "Web" giftcertificate called
a "webcertificate", for the purchase price (minus the transaction fee charged
by Webcertificate.com. (I'd eat this charge. More about that later.)
The transaction is instantaneous! So you know instantly if you've been given
an invalid card or (what usually happens -- an incorrect spelling of a
billing address -- Ave. instead of Avenue.)
Basically a webcertificate is a debit Mastercard number account. Initially,
use the first webcertificate purchase, or buy yourself your own
webcertificate for say $25. Once you have your own webcertificate account set
up, enter in the customers' info to "buy" you a new webcertificate, in which
the funds can simply be added to your existing account -- according to your
email address.
You can use the Mastercard number given to shop anywhere on the web, or to
shop by phone. If you actually want a hard plastic Mastercard to be able to
shop in stores, the charge is about $6 for the card.
The transaction fee to buy a Webcertificate is $3. If the purchase is $50,
eating $3 to make an instantaneous sale of $47 I wouldn't make otherwise, it
was worth it. Customers often don't want to have to go to the trouble of
registering and then verifying the email and snail mail addresses given with
Paypal or Ecount (which is the sister company of Webcertificate for
auctions) just to make what should be a simple purchase. If I do 6 sales, yes
I eat $18. But if those are the only sales I do for a few months, I'm not
having to pay out some monthly/yearly charges to have a retailing credit card
account which end up greater.
I simply tell the customers that the purchase will show up on their credit
card statement as a charge from Ecount. I haven't had a problem doing this
yet. No unhappy customers, no invalid cards or info given. No one screaming
later, "What is this purchase?"
I think I will try offering this credit card option at my next craft fair.
I'd simply gather up the info and at the end of the day, log on and do the
transactions, similarly to those who stated they have knuckle swipers and
have to call in later to complete the transactions at home later. (These
people are still taking a chance at the time of the purchase that the cards
given may be invalid, so the risk is the same.)
I'd get a BIG carbon copy receipt book, list their purchases, and instead of
knuckle swiping, use the side of a pencil to etch over the embossed credit
card info RIGHT onto BOTH copies of the receipts. Make a point of writing
down that the purchase will be thru Ecount, and write down their exact
billing info. Then have them sign the transaction.
I don't foresee problems other than getting invaild cards I wouldn't know
about immediately. But if I get some great impulse purchases, someone else
mentioned, it might be worth it.
Imzadi
Steven Branfman on fri 8 feb 02
Friends,
With all of the inquiries and recommendations about credit card services here
is one bit of advice that has not been given. It is often difficult to
compare the costs of credit card services with discount fees, monthly fees,
accounting fees, non qualifying fees, transactions fees, equipment
rental/leasing, and more. Regardless of the particular fees charged, the
bottom line is: after all is said and done, what is the TOTAL percentage that
using a particular company will cost you. I was being swamped with offers
from credit card companies with "better" offers and when I saw their low
discount rates I became concerned that the service I was using was costing
too much. After doing a quick analysis of my total costs I found that it was
costing me under 5%! I stayed with my current service!!
Steven Branfman
The Potters Shop
31 Thorpe Rd.
Needham MA 02494, USA
<>
781 449 7687
fax: 781 449 9098
E. G. Yarnetsky on thu 3 jun 04
Hi all-
We have been doing shows for years, and about 4 years ago we began
taking credit cards. The reason is because of the number of people
carrying debit cards and nothing else. It used to be that most carried
cash or checkbooks, but in the last few years, we have seen a lot more
use of the cards.
We use the swiper machine and then dial it in when we get back. No
more risky than taking a check, and we have had no trouble with it. We
always get a phone number on the slip as well. We do have a number of
customers who are savy about the fact that we pay a percentage for this
and ask us whether we prefer credit card or other, but I don't give a
discount for using cash, and I don't have a low limit on amount used to
allow credit card. My attitude is to make the purchase as simple as
possible for the customer.
I went to our local bank and they set up our credit processing for us.
We even had a representative come out and show us how to set up the
processing machine and walk us through a sale. I am happy knowing that
I can go right to the person who set us up if there is ever a question
or problem. I think we pay around 3% with no annual fee. Sometimes we
will go a few months with minimum or no credit card sales in the
winter. I am not charged extra over this. I see offering the credit
card option it as a service to the customers and a cost of doing
business. Also, I am happy to be carrying less cash around when we are
out of town, though I keep do keep the credit slips on my person.
I was next to a fellow up in Michigan a few years ago who had the
machine hooked up to his phone that with one swipe directly deposited
it in his account and printed up a receipt. Very quick, very
professional. Handy! Plan to put one in the shop one of these days.
Hope this is useful.
Darlene Yarnetsky, Mudcat Pottery
In Madison IN, USA where the rain has stopped and the Ohio river has
finally crested
Janet Starr on tue 2 may 06
Hi All,
My first post.... I have been looking for a credit card service for someon=
e
that only does a few shows a year. I saw a post from one member regarding =
a
$5.00/mo. service. This is what I have found. It is a strange web
address for a website that is called Leaders by JP Morgan Chase.
http://www.rockbottommerchantaccounts.com/
This one will let you set up a seasonal account so that you only pay for th=
e
months that you have a show. The fee is $13/mo. plus percentage charges,
etc. with a $25.00 minimum for that month. They give you a free machine,
and charge $35.00 to start up. You still have to buy a manual imprint
machine for shows, but I found one on EBay for $9.99.
http://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&category=3D55849&item=3D76037=
51796
This merchant services from EBay: (866) 588 EBAY, Square Trade, charges
$5.00/mo. plus percentage per transaction. You also still need to buy a
manual imprint machine.
Has anyone used these companies? Know if they are any good?
I have a new website: www.craftsmantiles.com. I'd love comments and
feedback.
Janet Starr
Craftsman Tiles (by Feature Tile)
featuretile@gmail.com
mel jacobson on sat 24 may 08
to make anything work with sales, it takes time.
for those that go to shows, credit card sales may be perfect.
but, as kathi points out, she has trained customers to pay her
cash. that did not happen in two weeks...kathi has been with
us for years...she is a professional. what works for her, has
taken years to perfect.
i cannot have a credit card system at home....it would never
pay...and i would not want any city father to walk into my
home studio and find a credit card machine. business in
a home...no good.
but, invited guests, paying cash. no big deal. my studio does
not have a display area. no special lights. i make it pretty
for home sales...but every day it is just a working research studio.
at my home. a studio. art studio.
i always have paintings on my easel. it looks like a working artists
studio...not a store. no one is confused.
but, again, i have trained folks over 40 years that cash
brings gift mugs. most come with a jingle in their pockets.
and, that is good for me, not for others...we all find a way, or
go broke.
tom wirt has really expanded his sales gallery, it is very nice.
but, it is a true art gallery. his working studio is in another
building. he is back doing some art fairs...(better quality fairs).
so, he has found a way. and, he lives in a very rural area, just
off a main highway. even the state has put up a sign...pottery ahead`.
each to our own way.
mel
from minnetonka:
website http://www.visi.com/~melpots/
clayart site:
http://www.visi.com/~melpots/clayart.html
Elizabeth Priddy on sat 24 may 08
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Content-Transfer-Encoding: 8bit
One way to do a credit card without having a system is to
set up a laptop in the sale area on wireless or whatever and
let them pay you with Paypal.
All they need is their credit card to get it in.
The fee is very low and no special equipment other than the computer
and a Paypal account.
You will have to figure out the details on your own, but it is not hard.
Credit card companies finally have some competition in
the retail sales area.
Elizabeth Priddy
Beaufort, NC - USA
Natural Instincts Conference Information:
http://downtothepottershouse.com/NaturalInstincts.html
http://www.elizabethpriddy.com
http://www.flickr.com/photos/7973282@N03/
--0-2023678455-1211641948=:76293
Content-Type: text/html; charset=iso-8859-1
Content-Transfer-Encoding: 8bit
One way to do a credit card without having a system is to set up a laptop in the sale area on wireless or whatever and let them pay you with Paypal. All they need is their credit card to get it in. The fee is very low and no special equipment other than the computer and a Paypal account. You will have to figure out the details on your own, but it is not hard. Credit card companies finally have some competition in the retail sales area.
Elizabeth Priddy
Beaufort, NC - USA
Natural Instincts Conference Information:
http://downtothepottershouse.com/NaturalInstincts.html
http://www.elizabethpriddy.com
http://www.flickr.com/photos/7973282@N03/
--0-2023678455-1211641948=:76293--
John Post on sat 24 may 08
As a customer, I would never use another person's computer to access
any of my banking, financial and paypal type accounts online.
It would be way too easy for that person to be collecting my
keystrokes, password and anything I type into their computer.
John Post
Sterling Heights, Michigan
:: cone 6 glaze website :: http://www.johnpost.us
:: elementary art website :: http://www.wemakeart.org
:: etsy sales website :: http://www.johnpost.etsy.com
On May 24, 2008, at 11:12 AM, Elizabeth Priddy wrote:
> One way to do a credit card without having a system is to
> set up a laptop in the sale area on wireless or whatever and
> let them pay you with Paypal.
>
> All they need is their credit card to get it in.
>
> The fee is very low and no special equipment other than the computer
> and a Paypal account.
>
> You will have to figure out the details on your own, but it is not
> hard.
>
> Credit card companies finally have some competition in
> the retail sales area.
>
>
> Elizabeth Priddy
> Beaufort, NC - USA
Elizabeth Priddy on sat 24 may 08
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Content-Transfer-Encoding: 8bit
Post said he would never use another's computer for financial transactions..
Oops, I forgot about the paranoia.
Fool that I am, I never once considered using Paypal for nefarious schemes.
No way they could harvest your credit card numbers and sell them online based on a card swiping or imprinting machine or something like that...
At some point you have to just assume that people are not out to get you, or you can just stay at home and hide under your couch.
I will remain a trusting fool, secure in the knowledge that I would not glean
someone's information from them as they use my computer.
E
Elizabeth Priddy
Beaufort, NC - USA
Natural Instincts Conference Information:
http://downtothepottershouse.com/NaturalInstincts.html
http://www.elizabethpriddy.com
http://www.flickr.com/photos/7973282@N03/
--0-189525235-1211664452=:63594
Content-Type: text/html; charset=iso-8859-1
Content-Transfer-Encoding: 8bit
Post said he would never use another's computer for financial transactions.. Oops, I forgot about the paranoia. Fool that I am, I never once considered using Paypal for nefarious schemes. No way they could harvest your credit card numbers and sell them online based on a card swiping or imprinting machine or something like that... At some point you have to just assume that people are not out to get you, or you can just stay at home and hide under your couch. I will remain a trusting fool, secure in the knowledge that I would not glean someone's information from them as they use my computer. E
Elizabeth Priddy
Beaufort, NC - USA
Natural Instincts Conference
Information:
http://downtothepottershouse.com/NaturalInstincts.html
http://www.elizabethpriddy.com
http://www.flickr.com/photos/7973282@N03/
--0-189525235-1211664452=:63594--
John Post on sat 24 may 08
Elizabeth,
Paypal accounts are often linked to bank accounts. My credit card
company covers fraudulent use of my card. It is one of the costs
they bear as part of running their business. As a consumer I would
pay nothing if my credit card was stolen and used for fraudulent
purposes.
I doubt my bank would be willing to eat the costs of someone draining
my checking/savings account because they gained access to my private
information from a public computer. Local banks do not typically
guarantee their accounts against fraud the same way credit card
companies do.
What you call paranoia, I would call common sense in making bank
transactions online.
John Post
Sterling Heights, Michigan
:: cone 6 glaze website :: http://www.johnpost.us
:: elementary art website :: http://www.wemakeart.org
:: etsy sales website :: http://www.johnpost.etsy.com
On May 24, 2008, at 5:27 PM, Elizabeth Priddy wrote:
> Post said he would never use another's computer for financial
> transactions..
>
> Oops, I forgot about the paranoia.
> Fool that I am, I never once considered using Paypal for nefarious
> schemes.
>
> No way they could harvest your credit card numbers and sell them
> online based on a card swiping or imprinting machine or something
> like that...
>
> At some point you have to just assume that people are not out to get
> you, or you can just stay at home and hide under your couch.
>
> I will remain a trusting fool, secure in the knowledge that I would
> not glean
> someone's information from them as they use my computer.
>
> E
>
>
>
>
> Elizabeth Priddy
> Beaufort, NC - USA
>
> Natural Instincts Conference Information:
> http://downtothepottershouse.com/NaturalInstincts.html
> http://www.elizabethpriddy.com
> http://www.flickr.com/photos/7973282@N03/
>
Lee Love on sat 24 may 08
Paypal can be used through the ubiquitous cell phone.
--
Lee in Mashiko, Japan
http://groups.google.com/group/ClayCraft
"Men are born ignorant, not stupid. They are made stupid by
education." -- Bertrand Russell
Robert Briggs on sat 24 may 08
My God, people?
Haven't any of you heard of ProPay??
$65.00 a YEAR - to take CC#s over your cell phone!
Robert
www.corvusmoon.com
John Post wrote:
> Elizabeth,
>
> Paypal accounts are often linked to bank accounts. My credit card
> company covers fraudulent use of my card. It is one of the costs
> they bear as part of running their business. As a consumer I would
> pay nothing if my credit card was stolen and used for fraudulent
> purposes.
>
> I doubt my bank would be willing to eat the costs of someone draining
> my checking/savings account because they gained access to my private
> information from a public computer. Local banks do not typically
> guarantee their accounts against fraud the same way credit card
> companies do.
>
> What you call paranoia, I would call common sense in making bank
> transactions online.
>
> John Post
> Sterling Heights, Michigan
>
> :: cone 6 glaze website :: http://www.johnpost.us
> :: elementary art website :: http://www.wemakeart.org
> :: etsy sales website :: http://www.johnpost.etsy.com
>
>
>
>
> On May 24, 2008, at 5:27 PM, Elizabeth Priddy wrote:
>
>> Post said he would never use another's computer for financial
>> transactions..
>>
>> Oops, I forgot about the paranoia.
>> Fool that I am, I never once considered using Paypal for nefarious
>> schemes.
>>
>> No way they could harvest your credit card numbers and sell them
>> online based on a card swiping or imprinting machine or something
>> like that...
>>
>> At some point you have to just assume that people are not out to get
>> you, or you can just stay at home and hide under your couch.
>>
>> I will remain a trusting fool, secure in the knowledge that I would
>> not glean
>> someone's information from them as they use my computer.
>>
>> E
>>
>>
>>
>>
>> Elizabeth Priddy
>> Beaufort, NC - USA
>>
>> Natural Instincts Conference Information:
>> http://downtothepottershouse.com/NaturalInstincts.html
>> http://www.elizabethpriddy.com
>> http://www.flickr.com/photos/7973282@N03/
>>
>
Nancy on sun 25 may 08
I now have a credit card machine. Wireless...swipe the card, punch in
the numbers...the money it there for you. No bad cards...rejects
them....not enough on card...rejects them.
My last show alone, I would have lost 6 sales if not for the machine.
Show before, $100 vases sold because they could be put on a card. My
students pay for classes in cash, no credit cards accepted. I do not
sell online so no credit card sales there. Mine is set up that 98% of
my sales will be swiped. 2% for that just in case situation....
My minimum expense per month....$50 for this set up. My old website was
$30 a month...so I switched it out to a $5 per month site. There is $25
of my monthly fee. The other $25 covers up to $830 of additional sales
at no expense.
In today's economy when I don't have time to train folks at shows 2
hours away, the credit card sale....IS important. As times change, so
do our needs and what works for those not in the business for 30 years.
I don't have the time to train people to only come to me with cash. I
do not have a display area set up in my studio, I only sell on an
occassional basis from there. Many people come to pick up special order
items and I request cash for them...
So this plan works for me. Potter for about 8 years, selling in my
current area for about 3. This move and credit card works for me but I
can see how it wouldn't work for established potters who have been in
the same area for decades.
Nancy
www.hilltoppottery.com
Michael Wendt on sun 25 may 08
Sad News...
Banks do not cover fraudulent use of credit
cards. Merchants do that with a process
called charge backs.
If you let someone buy pots from you with
a credit card, it is at your own risk, just like
a check. Since the banking system also
charges you a fee for chargebacks, they
actually benefit from the fraud and so have little
stake in preventing it.
We still take and have taken credit cards for
over 30 years. In that time, I have had only
one chargeback which was due to the customer
challenging the charge because he did not
remember coming into the store. I got the
money reinstated when I produced the signed
slip, but the chargeback fee was never refunded.
Evil though they are, credit cards do work.
Cash has its own hazards too as we all know.
Regards,
Michael Wendt
Wendt Pottery
2729 Clearwater Ave.
Lewiston, Id 83501
U.S.A.
208-746-3724
wendtpot@lewiston.com
http://www.wendtpottery.com
http://UniquePorcelainDesigns.com
John wrote:
Elizabeth,
Paypal accounts are often linked to bank accounts. My
credit card
company covers fraudulent use of my card. It is one
of the costs
they bear as part of running their business. As a
consumer I would
pay nothing if my credit card was stolen and used for
fraudulent
purposes.
I doubt my bank would be willing to eat the costs of
someone draining
my checking/savings account because they gained access
to my private
information from a public computer. Local banks do not
typically
guarantee their accounts against fraud the same way
credit card
companies do.
What you call paranoia, I would call common sense in
making bank
transactions online.
John Post
Bonnie Hellman on sun 25 may 08
John,
If you and others are concerned about this, you can set up a dedicated =20
Paypal bank account, one that you use ONLY for PayPay. Depending on =20
the bank, perhaps they might even sweep the balance into another =20
account at the end of each business day for you.
This would be a bank account where you only deposit payments FROM =20
PayPal, so any fraud would be limited.
Something similar is often done by businesses with payroll. Net pay =20
and perhaps payments of taxes withheld are deposited into a dedicated =20
bank account, so any loss is limited.
I am not an expert in banking laws, but in most places, the bank =20
itself has the responsibility to "know" and verify the identity of =20
anyone making withdrawals or cashing a check.
This separate bank account, used only for PayPal, would be one way to =20
limit your exposure to theft.
Bonnie
Bonnie D. Hellman, CPA in CO & PA
Quoting John Post :
> Elizabeth,
>
> Paypal accounts are often linked to bank accounts. My credit card
> company covers fraudulent use of my card. It is one of the costs
> they bear as part of running their business. As a consumer I would
> pay nothing if my credit card was stolen and used for fraudulent
> purposes.
>
> I doubt my bank would be willing to eat the costs of someone draining
> my checking/savings account because they gained access to my private
> information from a public computer. Local banks do not typically
> guarantee their accounts against fraud the same way credit card
> companies do.
>
> What you call paranoia, I would call common sense in making bank
> transactions online.
>
> John Post
> Sterling Heights, Michigan
>
> :: cone 6 glaze website :: http://www.johnpost.us
> :: elementary art website :: http://www.wemakeart.org
> :: etsy sales website :: http://www.johnpost.etsy.com
>
>
>
>
> On May 24, 2008, at 5:27 PM, Elizabeth Priddy wrote:
>
>> Post said he would never use another's computer for financial
>> transactions..
>>
>> Oops, I forgot about the paranoia.
>> Fool that I am, I never once considered using Paypal for nefarious
>> schemes.
>>
>> No way they could harvest your credit card numbers and sell them
>> online based on a card swiping or imprinting machine or something
>> like that...
>>
>> At some point you have to just assume that people are not out to get
>> you, or you can just stay at home and hide under your couch.
>>
>> I will remain a trusting fool, secure in the knowledge that I would
>> not glean
>> someone's information from them as they use my computer.
>>
>> E
>>
>>
>>
>>
>> Elizabeth Priddy
>> Beaufort, NC - USA
>>
>> Natural Instincts Conference Information:
>> http://downtothepottershouse.com/NaturalInstincts.html
>> http://www.elizabethpriddy.com
>> http://www.flickr.com/photos/7973282@N03/
>>
Sharon Miranda on sun 15 nov 09
All:
Gotta tell you my story about credit cards. I don't take them. My
business is too small. So one day, at a fair, the only way to get the
sale was to ask the customer to send a check. I've done it before and
never had a problem. As usual, this customer was very impressed that I
would trust him. He said, "here's my card, you can really trust me."
I see he is..... a CIA agent! I wrapped the pot, included the receipt
with my info on it and a post card with my info on it, put it in a bag
that had a sticker with my name on it. BUT, on the other side of the
bag was the logo of "Alice's Bakery in Norwich, VT" (yes, I was
recycling a perfectly good bag).
Of course, a couple of weeks later I got a call from Alice's bakery
(I'm a customer) saying *somehow* they had received a check made out
to me and couldn't figure out how that happened.
I learned a couple of lessons, about recycling bags. And CIA agents.
Sharon
John Hesselberth on sun 30 may 10
Is anyone using ProPay.com for their merchant account? Are you =3D
satisfied? Their terms seem just about perfect for my needs and =3D
significantly better than my current merchant account.
Regards,
John
Susan Fox Hirschmann on sun 30 may 10
I have been using Teamac (they are both former artists) for several years a=
=3D
nd I am so happy with them and their always available support that they off=
=3D
er me. Also their rates and monthly charge are the best, I think, in that i=
=3D
ndustry.=3D0A=3D0AFor more info you can email:=3D0Ajennifer@teamacinc.com=
=3D0A=3D0AFe=3D
el free to email me off list for more info.=3D0ABest of luck! I sure couldn=
't=3D
do business without taking credit cards. It is the 'way" of the world!=3D0=
AS=3D
usan=3D0Asusan fox hirschmann=3D0Aannandale,. va=3D0Awww.potteryart.biz=3D0=
A=3D0A=3DA0=3D
=3D0A=3D0A=3D0A=3D0A________________________________=3D0AFrom: John Hesselb=
erth sselberth@GMAIL.COM>=3D0ATo: Clayart@LSV.CERAMICS.ORG=3D0ASent: Sun, May 30=
, 20=3D
10 12:05:46 PM=3D0ASubject: Credit cards=3D0A=3D0AIs anyone using ProPay.co=
m for =3D
their merchant account? Are you satisfied? Their terms seem just about perf=
=3D
ect for my needs and significantly better than my current merchant account.=
=3D
=3D0A=3D0ARegards,=3D0A=3D0AJohn=3D0A=3D0A=3D0A=3D0A
John Rodgers on sun 30 may 10
John,
I've been using Propay for about 5 years now. Good service, reasonable
rates, easy to use. Not as convenient as a Point of Sale system, but not
nearly as costly either. If you don't have huge sales regularly, Propay
is a good way to go.
I give Propay high marks.
John
John Rodgers
Clayartist and Moldmaker
88'GL VW Bus Driver
Chelsea, AL
Http://www.moldhaus.com
On 5/30/2010 11:05 AM, John Hesselberth wrote:
> Is anyone using ProPay.com for their merchant account? Are you satisfied?=
Their terms seem just about perfect for my needs and significantly better =
than my current merchant account.
>
> Regards,
>
> John
>
>
>
Lauren Bellero on mon 31 may 10
john hesselberth wrote:
>Is anyone using ProPay.com for their merchant account? Are you satisfied? =
Their
>terms seem just about perfect for my needs and significantly better than m=
y
>current merchant account
hi john,
yes, we have used propay.com for 4 years now. overall, we are very satisfie=
d.
the per-transaction rates are higher than others, but given our sporadic cr=
edit
card volume, it was the best for us. (most of our charge activity occurs du=
ring
3-4 months where we do certain shows, so the low annual fee structure works
best.) after the first year, we wanted to upgrade to a higher benefit level=
, but
didn't want to pay the higher annual fee. so we called and said that we wan=
ted
the higher monthly limits at the basic price, or we would go with another
company. they gladly gave us what we wanted, and have automatically continu=
ed
the deal with each renewal.
all the best,
lauren
--
Lauren Bellero, Mudslingers Pottery
http://mudslingerspottery.net
Red Bank, NJ
Sandy miller on tue 1 jun 10
Everything I read on propay.com was PC friendly.
My concern was Mac use.
just wondering if anybody on a Mac is using this service?
Thanx!
Sandy Miller
On Tue, Jun 1, 2010 at 6:43 AM, John Hesselberth w=
rote:
> On May 31, 2010, at 10:21 AM, Lauren Bellero wrote:
>
> > hi john,
> > yes, we have used propay.com for 4 years now. overall, we are very
> satisfied.
>
> I had asked
>
> >> Is anyone using ProPay.com for their merchant account?
>
> Hi Everyone,
>
> Many thanks to the people who responded to this. On and off list, 4 peopl=
e
> answered. All had several years experience with propay.com and all gave
> them high marks. What appeals to me is this:
>
> 1. Low annual fee; no statement fees. A higher level of service is
> available for higher fees if you need it.
>
> 2. Transaction fees about like PayPal--not great, but OK in the total
> scheme of things--and at least as good as my current merchant account--th=
ey
> keep sneaking them up.
>
> 3. No equipment purchase required-- you can enter charges or give refunds
> on your browser.
>
> 4. No application or cancellation fees.
>
> 5. A single, fairly short application form.
>
> They seem ideal for small businesses who don't have store-front operation=
s
> or who have highly variable sales over the course of a year.
>
> I'm going to give them a try.
>
> Regards,
>
> John
>
John Hesselberth on tue 1 jun 10
On May 31, 2010, at 10:21 AM, Lauren Bellero wrote:
> hi john,
> yes, we have used propay.com for 4 years now. overall, we are very =3D
satisfied.
I had asked
>> Is anyone using ProPay.com for their merchant account?
Hi Everyone,
Many thanks to the people who responded to this. On and off list, 4 =3D
people answered. All had several years experience with propay.com and =3D
all gave them high marks. What appeals to me is this:
1. Low annual fee; no statement fees. A higher level of service is =3D
available for higher fees if you need it.
2. Transaction fees about like PayPal--not great, but OK in the total =3D
scheme of things--and at least as good as my current merchant =3D
account--they keep sneaking them up.
3. No equipment purchase required-- you can enter charges or give =3D
refunds on your browser.
4. No application or cancellation fees.
5. A single, fairly short application form.
They seem ideal for small businesses who don't have store-front =3D
operations or who have highly variable sales over the course of a year.
I'm going to give them a try.
Regards,
John
Lee Love on wed 2 jun 10
On Tue, Jun 1, 2010 at 3:07 PM, Sandy miller wrote:
> Everything I read on propay.com was PC friendly.
> My concern was Mac use.
> just wondering if anybody on a Mac is using this service?
It isn't operating system dependent. You just enter info and do
everything via your web browser.
--
Lee, a Mashiko potter in Minneapolis
http://mingeisota.blogspot.com/
=3D93Observe the wonders as they occur around you. Don't claim them. Feel
the artistry moving through and be silent.=3D94 --Rumi
William & Susan Schran User on wed 2 jun 10
On 6/1/10 4:07 PM, "Sandy miller" wrote:
> Everything I read on propay.com was PC friendly.
> My concern was Mac use.
> just wondering if anybody on a Mac is using this service?
Not using the service but considering it.
I noted in the information about the card swiping device that hook up to a
Mac requires the computer to run Windows system and using Explorer as the
browser.
Don't know if their process, apart from the swiping device is browser
specific, I'd suggest calling them, as I will when I decide to use their
services.
Bill
--
William "Bill" Schran
wschran@cox.net
wschran@nvcc.edu
http://www.creativecreekartisans.com
Lee Love on wed 2 jun 10
On Wed, Jun 2, 2010 at 7:25 AM, William & Susan Schran User
wrote:
> On 6/1/10 4:07 PM, "Sandy miller" wrote:
>
> Not using the service but considering it.
> I noted in the information about the card swiping device that hook up to =
=3D
a
> Mac requires the computer to run Windows system and using Explorer as the
> browser.
> Don't know if their process, apart from the swiping device is browser
I am not using it either so I can't express an opinion. It is too
expensive to use the swiping device.
If you have an iphone, ipad or android, this is very affordable:
https://squareup.com/
--
Lee, a Mashiko potter in Minneapolis
http://mingeisota.blogspot.com/
=3D93Observe the wonders as they occur around you. Don't claim them. Feel
the artistry moving through and be silent.=3D94 --Rumi
John Hesselberth on thu 3 jun 10
>=3D20
On 6/1/10 4:07 PM, "Sandy miller" wrote:
> Everything I read on propay.com was PC friendly.
> My concern was Mac use.
> just wondering if anybody on a Mac is using this service?
Hi Sandy,
The card reader is Windows only, but the browser terminal works for =3D
both. I did have trouble with Safari, though, and had to go to Firefox =3D
on my Mac. The login to my account didn't "stick" with Safari--I got =3D
told my login had expired a couple times after only a few seconds.
Anyhow my account is now opened and I successfully charged a token $1.00 =
=3D
test amount to make sure it was all working. It is really very simple =3D
except for my Safari problem.
Regards,
John
"if you have to eat a frog, don't look at it for too long." Mark =3D
Twain
John Hesselberth
john@frogpondpottery.com
John Rodgers on thu 3 jun 10
John,
One really nice thing about Propay - if you have a problem, call them.
You will get to talk to someone right away. No endless string of menus
to punch through. Really nice.
John Rodgers
Clayartist and Moldmaker
88'GL VW Bus Driver
Chelsea, AL
Http://www.moldhaus.com
On 6/3/2010 6:46 AM, John Hesselberth wrote:
>>
> On 6/1/10 4:07 PM, "Sandy miller" wrote:
>
>
>> Everything I read on propay.com was PC friendly.
>> My concern was Mac use.
>> just wondering if anybody on a Mac is using this service?
>>
> Hi Sandy,
>
> The card reader is Windows only, but the browser terminal works for both.=
I did have trouble with Safari, though, and had to go to Firefox on my Mac=
. The login to my account didn't "stick" with Safari--I got told my login h=
ad expired a couple times after only a few seconds.
>
> Anyhow my account is now opened and I successfully charged a token $1.00 =
test amount to make sure it was all working. It is really very simple excep=
t for my Safari problem.
>
> Regards,
>
> John
>
>
>
>
>
> "if you have to eat a frog, don't look at it for too long." Mark Twain
>
> John Hesselberth
> john@frogpondpottery.com
>
>
>
Sandra Jones on thu 3 jun 10
John and Sandy,
Firefox is the only way you can use ProPay with a Mac now. Safari
used to work but they told me it was a security issue. I am now
using FireFox (which can be downloaded free) for ProPay and haven't
had any issues so far. I do suggest that if you are taking cards at
a show and putting them in at night that you take either the full
address (only zip code is required) and/or phone number. I had one
the other day where during the day they went over their limit -- I
called and was able to get another credit card from them.
Sandra
On Jun 3, 2010, at 7:46 AM, John Hesselberth wrote:
>>
> On 6/1/10 4:07 PM, "Sandy miller" wrote:
>
>> Everything I read on propay.com was PC friendly.
>> My concern was Mac use.
>> just wondering if anybody on a Mac is using this service?
>
> Hi Sandy,
>
> The card reader is Windows only, but the browser terminal works for
> both. I did have trouble with Safari, though, and had to go to
> Firefox on my Mac. The login to my account didn't "stick" with
> Safari--I got told my login had expired a couple times after only a
> few seconds.
>
> Anyhow my account is now opened and I successfully charged a token
> $1.00 test amount to make sure it was all working. It is really very
> simple except for my Safari problem.
>
> Regards,
>
> John
>
>
>
>
>
> "if you have to eat a frog, don't look at it for too long." Mark
> Twain
>
> John Hesselberth
> john@frogpondpottery.com
>
John Hesselberth on thu 3 jun 10
Hi Larry,
2 days, but I think it took that long because of my Safari browser =3D
problem. I am guessing most go faster.
John
On Jun 3, 2010, at 5:40 PM, Larry Kruzan wrote:
> Hi John,
>=3D20
> How long did it take to get approved for the service? I am looking at =3D
it too
> since I'm tired of the monthly fees from my present service.
John Hesselberth
john@frogpondpottery.com
Larry Kruzan on thu 3 jun 10
Hi John,
How long did it take to get approved for the service? I am looking at it to=
o
since I'm tired of the monthly fees from my present service.
Thanks, Larry
-----Original Message-----
From: Clayart [mailto:Clayart@LSV.CERAMICS.ORG] On Behalf Of John
Hesselberth
Sent: Thursday, June 03, 2010 6:47 AM
To: Clayart@LSV.CERAMICS.ORG
Subject: Re: Credit Cards
>
On 6/1/10 4:07 PM, "Sandy miller" wrote:
> Everything I read on propay.com was PC friendly.
> My concern was Mac use.
> just wondering if anybody on a Mac is using this service?
Hi Sandy,
The card reader is Windows only, but the browser terminal works for both. I
did have trouble with Safari, though, and had to go to Firefox on my Mac.
The login to my account didn't "stick" with Safari--I got told my login had
expired a couple times after only a few seconds.
Anyhow my account is now opened and I successfully charged a token $1.00
test amount to make sure it was all working. It is really very simple excep=
t
for my Safari problem.
Regards,
John
"if you have to eat a frog, don't look at it for too long." Mark Twain
John Hesselberth
john@frogpondpottery.com
=3D=3D=3D=3D=3D=3D=3D
Email scanned by PC Tools - No viruses or spyware found.
(Email Guard: 7.0.0.18, Virus/Spyware Database: 6.15130)
http://www.pctools.com/
=3D=3D=3D=3D=3D=3D=3D
Sandy miller on thu 3 jun 10
Thank you!!
I think this is the way to go too. Now to install Firefox......... LOL it'=
s
always something!
After looking at Potter's Council, which was my first choice and scoping
several others
Propay with Firefox is really worth the effort.
Sandra again, thanks for the tip as I would be using this at the local
farmer's market and an occasional
show.
Thanks everybody who has chimed in on this topic!
Living large in the world of way too much information!
Happy Summer!!
Sandy Miller
On Thu, Jun 3, 2010 at 7:46 AM, John Hesselberth
wrote:
> >
> On 6/1/10 4:07 PM, "Sandy miller" wrote:
>
> > Everything I read on propay.com was PC friendly.
> > My concern was Mac use.
> > just wondering if anybody on a Mac is using this service?
>
> Hi Sandy,
>
> The card reader is Windows only, but the browser terminal works for both.=
I
> did have trouble with Safari, though, and had to go to Firefox on my Mac.
> The login to my account didn't "stick" with Safari--I got told my login h=
ad
> expired a couple times after only a few seconds.
>
> Anyhow my account is now opened and I successfully charged a token $1.00
> test amount to make sure it was all working. It is really very simple exc=
ept
> for my Safari problem.
>
> Regards,
>
> John
>
>
>
>
>
> "if you have to eat a frog, don't look at it for too long." Mark Twain
>
> John Hesselberth
> john@frogpondpottery.com
>
>
>
>
Pam Cresswell on thu 3 jun 10
I am not John, but I signed up with propay just a few days before the
subject came up here. I was told about it by another ceramic bead artist
because I am prepping for my first show selling beads.....I filled out the
online form and that was it, approved for basic service. It took maybe half
an hour for me to be in their data bank. I tested it today by running my ow=
n
card for a buck. Smooth as could be. I went on ebay and ordered a card
imprinter and it came with some charge slips, it came today, less than a
week, so I plan to just run the transactions at home on line after the show=
.
20 years ago I did that for the art supply store I worked for, only did it
by phone way back then....we did cards at the end of the day, long after th=
e
customers were back in their studios. I will report back in the next few
days on how it goes in real life, my show is tommorow night....
Pam
----- Original Message -----
From: "Larry Kruzan"
To:
Sent: Thursday, June 03, 2010 4:40 PM
Subject: Re: Credit Cards
> Hi John,
>
> How long did it take to get approved for the service? I am looking at it
> too
> since I'm tired of the monthly fees from my present service.
>
> Thanks, Larry
>
> -----Original Message-----
> From: Clayart [mailto:Clayart@LSV.CERAMICS.ORG] On Behalf Of John
> Hesselberth
> Sent: Thursday, June 03, 2010 6:47 AM
> To: Clayart@LSV.CERAMICS.ORG
> Subject: Re: Credit Cards
>
>>
> On 6/1/10 4:07 PM, "Sandy miller" wrote:
>
>> Everything I read on propay.com was PC friendly.
>> My concern was Mac use.
>> just wondering if anybody on a Mac is using this service?
>
> Hi Sandy,
>
> The card reader is Windows only, but the browser terminal works for both.
> I
> did have trouble with Safari, though, and had to go to Firefox on my Mac.
> The login to my account didn't "stick" with Safari--I got told my login
> had
> expired a couple times after only a few seconds.
>
> Anyhow my account is now opened and I successfully charged a token $1.00
> test amount to make sure it was all working. It is really very simple
> except
> for my Safari problem.
>
> Regards,
>
> John
>
>
>
>
>
> "if you have to eat a frog, don't look at it for too long." Mark Twain
>
> John Hesselberth
> john@frogpondpottery.com
>
>
>
>
>
> =3D=3D=3D=3D=3D=3D=3D
> Email scanned by PC Tools - No viruses or spyware found.
> (Email Guard: 7.0.0.18, Virus/Spyware Database: 6.15130)
> http://www.pctools.com/
> =3D=3D=3D=3D=3D=3D=3D
Larry Kruzan on fri 4 jun 10
I just experienced this firsthand. Blew one of my challenge questions and
got locked out on my first access. I knew what I did wrong and so I was not
upset at all about good security.
A quick call that was answered by a real person who spoke clear,
understandable English at a hearable volume - I was almost too shocked to
respond. From there it got better as the pleasant lady quickly and
courteously found my file, saw my problem and solved it, all in 30 seconds.
The folks that handled my merchant account before took three weeks to
process my application and send my equipment (at a cost of $1400) and in
five years I was only able to access my online report a handful of times
before sign in problems due to their name changes, password resets due to
hackers and so many other problems.
We'll see how things go, but so far, I'm impressed. I signed up this
morning, had a minor problem fixed, and have processed my first few cards i=
n
just a few hours. At a annual fee ($59.95) that is less than what I was
paying for two months service ($34.95 per month + charges).
Larry Kruzan
Lost Creek Pottery
www.lostcreekpottery.com
-----Original Message-----
From: Clayart [mailto:Clayart@LSV.CERAMICS.ORG] On Behalf Of John Rodgers
Sent: Thursday, June 03, 2010 9:11 PM
To: Clayart@LSV.CERAMICS.ORG
Subject: Re: Credit Cards
John,
One really nice thing about Propay - if you have a problem, call them.
You will get to talk to someone right away. No endless string of menus
to punch through. Really nice.
John Rodgers
Clayartist and Moldmaker
88'GL VW Bus Driver
Chelsea, AL
Http://www.moldhaus.com
On 6/3/2010 6:46 AM, John Hesselberth wrote:
>>
> On 6/1/10 4:07 PM, "Sandy miller" wrote:
>
>
>> Everything I read on propay.com was PC friendly.
>> My concern was Mac use.
>> just wondering if anybody on a Mac is using this service?
>>
> Hi Sandy,
>
> The card reader is Windows only, but the browser terminal works for both.
I did have trouble with Safari, though, and had to go to Firefox on my Mac.
The login to my account didn't "stick" with Safari--I got told my login had
expired a couple times after only a few seconds.
>
> Anyhow my account is now opened and I successfully charged a token $1.00
test amount to make sure it was all working. It is really very simple excep=
t
for my Safari problem.
>
> Regards,
>
> John
>
>
>
>
>
> "if you have to eat a frog, don't look at it for too long." Mark Twain
>
> John Hesselberth
> john@frogpondpottery.com
>
>
>
=3D=3D=3D=3D=3D=3D=3D
Email scanned by PC Tools - No viruses or spyware found.
(Email Guard: 7.0.0.18, Virus/Spyware Database: 6.15140)
http://www.pctools.com/
=3D=3D=3D=3D=3D=3D=3D
Susan Fox Hirschmann on fri 4 jun 10
So what are the fees with this service? Monthly? percentages?=3D0AAny requi=
re=3D
ment as to volume?=3D0ASusan =3D0AAnnandale, Va=3D0Awww.potteryart.biz=3D0A=
=3D0A=3DA0=3D
=3D0A=3D0A=3D0A=3D0A________________________________=3D0AFrom: Larry Kruzan=
uzan@COMCAST.NET>=3D0ATo: Clayart@LSV.CERAMICS.ORG=3D0ASent: Thu, June 3, 2=
010 =3D
5:40:50 PM=3D0ASubject: Re: Credit Cards=3D0A=3D0AHi John,=3D0A=3D0AHow lon=
g did it t=3D
ake to get approved for the service? I am looking at it too=3D0Asince I'm t=
ir=3D
ed of the monthly fees from my present service.=3D0A=3D0AThanks, Larry=3D0A=
=3D0A---=3D
--Original Message-----=3D0AFrom: Clayart [mailto:Clayart@LSV.CERAMICS.ORG]=
O=3D
n Behalf Of John=3D0AHesselberth=3D0ASent: Thursday, June 03, 2010 6:47 AM=
=3D0ATo=3D
: Clayart@LSV.CERAMICS.ORG=3D0ASubject: Re: Credit Cards=3D0A=3D0A>=3D0AOn =
6/1/10 4=3D
:07 PM, "Sandy miller" wrote:=3D0A=3D0A> Everything=
I r=3D
ead on propay.com was PC friendly.=3D0A> My concern was Mac use.=3D0A> just=
won=3D
dering if anybody on a Mac is using this service?=3D0A=3D0AHi Sandy,=3D0A=
=3D0AThe c=3D
ard reader is Windows only, but the browser terminal works for both. I=3D0A=
di=3D
d have trouble with Safari, though, and had to go to Firefox on my Mac.=3D0=
AT=3D
he login to my account didn't "stick" with Safari--I got told my login had=
=3D
=3D0Aexpired a couple times after only a few seconds.=3D0A=3D0AAnyhow my ac=
count =3D
is now opened and I successfully charged a token $1.00=3D0Atest amount to m=
ak=3D
e sure it was all working. It is really very simple except=3D0Afor my Safar=
i =3D
problem.=3D0A=3D0ARegards,=3D0A=3D0AJohn=3D0A=3D0A=3D0A=3D0A=3D0A=3D0A"if y=
ou have to eat a fro=3D
g, don't look at it for too long."=3DA0 =3DA0 Mark Twain=3D0A=3D0AJohn Hess=
elberth=3D
=3D0Ajohn@frogpondpottery.com=3D0A=3D0A=3D0A=3D0A=3D0A=3D0A=3D3D=3D3D=3D3D=
=3D3D=3D3D=3D3D=3D3D=3D0AEmail =3D
scanned by PC Tools - No viruses or spyware found.=3D0A(Email Guard: 7.0.0.=
18=3D
, Virus/Spyware Database: 6.15130)=3D0Ahttp://www.pctools.com/=3D0A=3D3D=3D=
3D=3D3D=3D3D=3D
=3D3D=3D3D=3D3D=3D0A=3D0A=3D0A=3D0A
Rita or Robert Shaw on sat 5 jun 10
Anyone with an iPhone might look into Square at https://squareup.com/. It=
=3D
uses a dongle=3D20
for swiping a credit card. You don't need a merchant account. Credit card=
=3D
user can sign on=3D20
the iPhone or iPad as the case warrants. Card present (about 2.4%) is abo=
=3D
ut 1% less that=3D20
card not present. I'm going going to try it once I have the dongle (swipe=
=3D
r) and it's=3D20
confirmed.
Just another option. Go to the website and check out the information.
Joe Shaw
Susan Fox Hirschmann on sat 5 jun 10
I have Teamac and pay $15.50 a month, and 2.95 m/visa, a bit less on discov=
=3D
er card. I will not take AmEX as fee is too high.=3DA0 No minimums, no othe=
r =3D
fees but=3D0Asometimes pay 25 cents a transaction for watts fee.=3DA0 (keye=
d in=3D
rather than swiped transactions).=3D0ACan your charge co. beat that?=3DA0 =
Also=3D
I have constant support by phone if I need help,with anything.=3DA0 I have=
a=3D
new veriphone machine that swipes the cards and prints the receipts. Works=
=3D
great!=3D0A=3DA0 Wondering...=3D0ATeamac was started=3DA0 by two artists w=
ith the =3D
attempt to offer a charge option with low fees.=3DA0 Also the money is my a=
cc=3D
ount within 24 hours.=3D0AAnyone else have something lower than this?=3D0AS=
usan=3D
=3D0Asusan fox hirschmann=3D0Awww.potteryart.biz=3D0A=3D0A=3DA0=3D0A=3D0A=
=3D0A=3D0A_________=3D
_______________________=3D0AFrom: Larry Kruzan =
=3D0AT=3D
o: Susan Fox Hirschmann =3D0ASent: Fri, June 4=
, =3D
2010 11:13:21 PM=3D0ASubject: RE: Credit Cards=3D0A=3D0AHi Susan,=3D0A=3D0A=
The "Premi=3D
um" level annual fee was $59.95 for up to $3000 per of charges=3D0A(this ca=
n =3D
be upped but was enough to meet my needs). 3.25% + $0.35 for Visa,=3D0AM/C,=
D=3D
iscover, and American Express is slightly higher at 3.73% + $0.35.=3D0A=3D0=
AMy =3D
last service had a "basic" charge of $34.50 a month and with all their=3D0A=
ot=3D
her charges, my normal fees were around $55.00 a month. It's been killing=
=3D
=3D0Ame. Plus I only had M/C and Visa.=3D0A=3D0APropay will save me around =
$800 a=3D
year over what I've been paying. The=3D0Adownside is that the payout is sl=
ow=3D
er but for what I'll be saving, I don't=3D0Acare about a couple days. I'll =
al=3D
so have to watch charges at Christmas time=3D0Ato make sure I don't hit the=
l=3D
imit (no problem the last couple years), but=3D0Aif I get close I can up my=
s=3D
ervice limits for a slightly higher annual fee.=3D0A=3D0APlease check it ou=
t an=3D
d if you spot a booby trap I have not seen please let=3D0Ame know. If its t=
he=3D
re, I'm sure a top businesswoman like you will spot it.=3D0A"Country Clods"=
l=3D
ike me get trapped by the shiny advertising. =3D0A=3D0ABest Wishes,=3D0=
ALarry=3D
Kruzan=3D0ALost Creek Pottery=3D0Awww.lostcreekpottery.com=3D0A=3D0A=3D0A-=
----Origin=3D
al Message-----=3D0AFrom: Clayart [mailto:Clayart@LSV.CERAMICS.ORG] On Beha=
lf=3D
Of Susan Fox=3D0AHirschmann=3D0ASent: Friday, June 04, 2010 2:04 PM=3D0ATo=
: Clay=3D
art@LSV.CERAMICS.ORG=3D0ASubject: Re: Credit Cards=3D0A=3D0ASo what are the=
fees =3D
with this service? Monthly? percentages?=3D0AAny requirement as to volume?=
=3D0A=3D
Susan =3D0AAnnandale, Va=3D0Awww.potteryart.biz=3D0A=3D0A=3DA0=3D0A=3D0A=3D=
0A=3D0A___________=3D
_____________________=3D0AFrom: Larry Kruzan =3D0=
ATo:=3D
Clayart@LSV.CERAMICS.ORG=3D0ASent: Thu, June 3, 2010 5:40:50 PM=3D0ASubjec=
t: R=3D
e: Credit Cards=3D0A=3D0AHi John,=3D0A=3D0AHow long did it take to get appr=
oved for=3D
the service? I am looking at it too=3D0Asince I'm tired of the monthly fee=
s =3D
from my present service.=3D0A=3D0AThanks, Larry=3D0A=3D0A-----Original Mess=
age-----=3D
=3D0AFrom: Clayart [mailto:Clayart@LSV.CERAMICS.ORG] On Behalf Of John=3D0A=
Hess=3D
elberth=3D0ASent: Thursday, June 03, 2010 6:47 AM=3D0ATo: Clayart@LSV.CERAM=
ICS.=3D
ORG=3D0ASubject: Re: Credit Cards=3D0A=3D0A>=3D0AOn 6/1/10 4:07 PM, "Sandy =
miller" =3D
wrote:=3D0A=3D0A> Everything I read on propay.com w=
as P=3D
C friendly.=3D0A> My concern was Mac use.=3D0A> just wondering if anybody o=
n a =3D
Mac is using this service?=3D0A=3D0AHi Sandy,=3D0A=3D0AThe card reader is W=
indows o=3D
nly, but the browser terminal works for both. I=3D0Adid have trouble with S=
af=3D
ari, though, and had to go to Firefox on my Mac.=3D0AThe login to my accoun=
t =3D
didn't "stick" with Safari--I got told my login had=3D0Aexpired a couple ti=
me=3D
s after only a few seconds.=3D0A=3D0AAnyhow my account is now opened and I =
succ=3D
essfully charged a token $1.00=3D0Atest amount to make sure it was all work=
in=3D
g. It is really very simple except=3D0Afor my Safari problem.=3D0A=3D0ARega=
rds,=3D
=3D0A=3D0AJohn=3D0A=3D0A=3D0A=3D0A=3D0A=3D0A"if you have to eat a frog, don=
't look at it fo=3D
r too long."=3DA0 =3DA0 Mark Twain=3D0A=3D0AJohn Hesselberth=3D0Ajohn@frogp=
ondpottery=3D
.com=3D0A=3D0A=3D0A=3D0A=3D0A=3D0A=3D3D=3D3D=3D3D=3D3D=3D3D=3D3D=3D3D=3D0AE=
mail scanned by PC Tools - N=3D
o viruses or spyware found.=3D0A(Email Guard: 7.0.0.18, Virus/Spyware Datab=
as=3D
e: 6.15130)=3D0Ahttp://www.pctools.com/=3D0A=3D3D=3D3D=3D3D=3D3D=3D3D=3D3D=
=3D3D=3D0A=3D0A=3D0A=3D0A=3D
=3D0A=3D0A=3D0A=3D0A=3D0A=3D3D=3D3D=3D3D=3D3D=3D3D=3D3D=3D3D=3D0AEmail scan=
ned by PC Tools - No virus=3D
es or spyware found.=3D0A(Email Guard: 7.0.0.18, Virus/Spyware Database: 6.=
15=3D
140)=3D0Ahttp://www.pctools.com/=3D0A=3D3D=3D3D=3D3D=3D3D=3D3D=3D3D=3D3D=3D=
0A=3D0A=3D0A=3D0A
Lee Love on sat 5 jun 10
On Fri, Jun 4, 2010 at 2:04 PM, Susan Fox Hirschmann
wrote:
> So what are the fees with this service? Monthly? percentages?
> Any requirement as to volume?
No monthy fee. Details vary, according to the plan you choose:
https://epay.propay.com/account/whychoosepropay.aspx
--
Lee, a Mashiko potter in Minneapolis
http://mingeisota.blogspot.com/
=3D93Observe the wonders as they occur around you. Don't claim them. Feel
the artistry moving through and be silent.=3D94 --Rumi
Steve Slatin on sun 6 jun 10
Phil --
This may not belong on this list. If not, I apologize
to casual readers. But I believe that evan a passign
familiarity with English history, world history, and
current events will show that your condemnation of
credit and interest charges is not grounded in fact.
The period in time that you point to as the "only
period in which England prospered" was a time of great
turmoil, after Edward I seized land, businesses, and
assets of all types from their rightful owners under
the "Quo Warranto" laws. Parallel to this law was
the wholesale expulsion of Jews from England, which
was only a subterfuge for Edward I's desire to seize
all of their assets -- which he did, they were sent
into exile with only what they could carry in their
own hands, after he carried out mass executions of
heads of Jewish households.
As for the idea that an end to credit would mean an
end to wars, consider only that AFTER outlawing the
taking of interest and the expulsion/murder of Jews,
Edward I carried out the Welsh wars, a large-scale
(and brutal!) supression of the Scots (including
the murder of William Wallace with the assistance
of Robert the Bruce, and, later, the extended wars
against Robert the Bruce).
In actual fact, the periods in which credit was
effectively made illegal in Europe in various
contries tends to be consistent with periods of
some of the most brutal wars. (See Philip II
of France, John of Brittany, etc.) All of
these periods were concurrent with widespread
starvation, senseless wars, and social and
intellectual stagnation.
The merchantile and early capitalist periods,
on the other hand, which were fueled by credit
(which you condemn with the pejorative word
"usury") were periods of growth, expansion of
knowledge, and the development of modern
technology.
By comparison, when Europe was frozen
in sickness and war and starved for improvements
due to the lack of credit, the Muslim world had
its greatest flowering of scientific, philosophical,
and artistic creativity. Oh, at that time they were
tolerant of charging interest.
In the last 300 years, though, the situations
were reversed. Europe developed a modern credit
system and became healthy and grew. The Muslim
world largely outlawed interest (and consequently
credit) and had no more scientific or artistic
breakthroughs.
I know you are self-taught, Phil, and I know
that you get much of your information from
the internet. I suspect that you have fallen
into one of the many networks of historically
inaccurate and generally hate-motivated sites
that are so prevalent on the net. I often
see the kinds of statements that you made
on these sites.
Perhaps the people who already believe these
things need a place to share their prejudices.
If so, these sites have some socially useful
purpose. But I don't believe that ClayArt is
a place for such things. Here I will argue
for historical truth.
With respect and affection --
Steve Slatin
--- On Sun, 6/6/10, phil wrote:
> Credit or Usery is degenerative,
> debasing, degrading, and destructive to
> everything ever worth having or preseving...or, even if it
> isn't immediately
> so, what ends
> up
> happening with it, reliably, is, and has been...and has
> been in every
phil on sun 6 jun 10
Credit or Usery is degenerative, debasing, degrading, and destructive to
everything ever worth having or preseving...or, even if it isn't immediatel=
y
so, what ends
up
happening with it, reliably, is, and has been...and has been in every
instance of it
having been permitted or tolerated within Human History...it rots everythin=
g
out 'from the center'...
In any guise, even if in merely small examples, it is a slippery slope, and
an entry for decline, consolations and substitutions sought and accepted in
decline, and for far worse to follow.
Western Civilization used to consider it ( from experience, evaluation, and
rejection,
to be ) a morally repugnant, reprehensible, debaseing lure,
a snare
and a Road-to-Hell, an unambiguous practical wrong for all it's seeming
short term payoffs to the myopic or impetuous or greedy, not to be
tolerated, not
to be countinanced, and especially not to be countinanced for the greed or
privelidge or reliable betrayal or power it anables, dehumanization, or
other
deceit and degredation it so reliably creates carries and spreads, and,
inflicts on
those who
Host or succour it or enable it, and on everyone else anywhere near. Usery
was
prohibited. Userists were prohibited.
It has always been entirely antithetical to and destructive to Community,
and, to the wholesomeness and Mental Health of a People.
No one remembers this now.
The Userists have been very clever, Historically...and remain so.
Corrupt 'revolutionary mountbanks', corrupt Kings, corrupt Rulers, and
corupt mountebanks of varied Station, successions of corrupt regimes,
following one another, financed by Userists, as one of many 'simple' truths
of History.
Userists invent credit out of nothing, and have been very creative in
exploiting greed, deceit, power, secret
vice or fortune,
or even
power for the sake of power, merely...and then
down from there,
insideously, credit and abnigation of values, of Self and all else,
abolishment of
patience, character, community, Nation, and instead, slavery, slavery to
distal
strangers, commodity and banality, and to
the complications and politics of debt as currency, as asset, as leverage,
as means, and debt
slavery as a way of life for the masses, something to be born into, handed
down by forebears,
invisible, to become
commonplace, normatized, a ubiquity...expected.
Wives demand it, parents or siblings or friends and relatives would be
scandalized if one refused to have debt.
My TRW!!!
Without Usery and it's tacit insinuation among endless wrappings and
disguises into everyone's lives and the resulting
corruption and compromise of everything, far as
Western Civilization, adding vastly at every turn to the cost of anything,
and everything, there would have been almost no 'wars' ( and none of
any scale or duration or multiple participants ) in the last five hundred
years...and, a lot else horrid and vile would never have got anywhere, nor
gone on at all, either.
No Wars, no 'Revolutions'...sensible populations, productivity...Peace...
Do we have those things now, to enjoy?
No...
The only period in which England had every truely prospered, and enjoyed
relative Peace and Happiness, productivity, independence, was the period in
which the Userists had been
banished from
the Kingdom.
Their bribes and blackmails and lures to the morally vulnerable and venal
among
influential persons, and elevating them with credit to become influential,
the Userists and their fellows insinuating themselves in other's garb or
creeds, their rallying the rabble,
to then influence from
within, agitate or lobby, coerce and blackmail or bribe,
permitted and fomented Revolution, War, insurrection, chaos, calamity,
crisis, premised privately ( in the case of England and Charles th 2nd bein=
g
overthrown, ) , on their being
allowed to return, and to run things, for having lent the Money at interest
( as Buy-In for owning key parts of a Nation and it's Peoples) ,
to finance the
horrors and violence of overthrouw, and to always then, be part of the new
regime...advisors, enablers, councillors, foreignpolicy advisors, and high
office holders, etc.
managing their property, managing the debt-holders, managing
slavery...owning Kings and Potentates., Governments.
This syndrome was to be repeated many times since, in many places,
since...in many disguises.
The 'Founding Fathers' knew their History well...and warned and admonished
future generations, to not be lured or tricked or had by Userists, under an=
y
guises or wiles or slight of hand.
They prevented it in their time, but could not save us from ourselves,
since.
Their writings on this are seldom seen, and would not be found easily.
Andrew Jackson even, fought the Userists...and won for a while.
Corrupt presidents, and corrupting 'advisors', corrupt 'representatives',
turned their back on these wisdoms, for personal profit, provisions of vice=
,
veneality, and pay offs
variously...even as they do now.
We have no idea, nor can even begin to think of what Human Life and Human
Civilization could have been...had both not become so corrupted, and, made
stupid and enslaved and de-railed, degraded by debt at compound interest an=
d
Usery as
lofty
enterprise to be looked up to, slavery as legacy debt to be born into, to b=
e
accepted, to be proud of even, and
the
bad bargains of being played for
short term sops, and, getting, along with them, an insideous progressive
accomidation, and adaptation, insinuation, paying five or ten or twenty
times what a cost would
have been, for anything, everything anyone needs or purchases, built in
percentages being siphoned off at every turn of everything, to
Userists...Cultural High-Jacking, 'cultural revolutions' ( slow enough for
no one to notice, or otherwise ) and even an acquired
taste, for gradual long term
indentured servitude as role assignment, training from birth, mom and dad,
the tee vee, and, the ruin of entire Peoples and Countries and
Cultures, and of their
( 'their' ) futures, which
never got to be.
...sigh...
Not so good...
Love,
Phil
Lv
Gwynneth Rixon on mon 7 jun 10
Just a small point or two-Those who you refer to as "Userists" (sic) had
been banned from other employment and were themselves then used as a=3D20
political pawn in the chessgame of war and politics and scapegoating.
Your
post also seems to be deviating from the point and tarring many=3D20
innocent people with the same brush whilst hiding behind a euphemism.
Bring
things up to date. Talk of bankers and credit for unnecessary=3D20
acquisitions. Talk of the worrying trend of people paying for life's=3D20
necessities with credit. Talk of the yawning gap betweenthe top and=3D20
bottom wages within companies=3D2C let alone those without employ.
There
is too much blame put on others when we should look at how we live our=3D2=
0
own lives.
Gwynneth
> Date: Sun=3D2C 6 Jun 2010 16:37:44=3D20
-0700
> From: pdp1@EARTHLINK.NET
> Subject: Re: Credit Cards
>
To: Clayart@LSV.CERAMICS.ORG
> ...........
>=3D20
> The=3D20
only period in which England had every truely prospered=3D2C and enjoyed
>
relative Peace and Happiness=3D2C productivity=3D2C independence=3D2C was =
the=3D20
period in
> which the Userists had been
> banished from
>
the Kingdom.
>=3D20
.............
>=3D20
> ...sigh...
>
=3D20
> Not so good...
>=3D20
>=3D20
>=3D20
> Love=3D2C
>
=3D20
>=3D20
> Phil
> Lv =3D20
_________________________________________________________________
http://clk.atdmt.com/UKM/go/195013117/direct/01/
KATHI LESUEUR on mon 7 jun 10
As the inquiries start again about taking credit cards I'll repeat
my system. I stopped taking credit cards fifteen years ago after
paying several thousand in fees that year. I take checks, cash, and
"I.O.U.'s". I use a three part order pad and a self-inking stamp with
my business name, address, and phone number. If a customer doesn't
have a check with them I have them fill out their information, write
on their copy "sending check", and get a signature. With that I have
an enforceable contract to pay. And, they always do. When they pull
out that credit card I just say, "I'm sorry I don't take cards, I
take checks, cash and i.o.u.'s. They always laugh at the I.O.U line
but when I explain that if they don't have a check with them they can
send me a check they are just amazed and pleased. At my last show
Memorial day weekend a couple took $800 worth of pots. Many would
have said that without taking a credit card they wouldn't have bought
that much. But, they just kept piling up the pots in my booth and I
just kept wrapping. The check came in the mail today. That's the
largest amount I've ever taken on faith and once again my customer
came through. Occasionally a customer will loose the bill or be late.
After several weeks I send a copy with "did you forget us" written on
the copy. That's all it takes. I know others may not be comfortable
with my system. But, it works for me and I've save lots of charge
fees over the years.
Kathi LeSueur
http://www.lesueurclaywork.com
phil on tue 8 jun 10
http://www.usdebtclock.org/
At first glance, it reminds me of what being eaten to death by Protozoans
would
be like.
Lol...
Love,
Phil
Lv
----- Original Message -----
From: "Steve Slatin" <
> Phil --
>
> This may not belong on this list. If not, I apologize
> to casual readers.
>>>>>>> snipped here before it would continue getting worse <<<<<<
Nils Lou on wed 27 oct 10
I use paypal.com
click on "virtualterminal"
After signing up it costs $30 per month when you are
using it. Then you can deactivate at no cost
until you want to use it again. Ideal for
someone with periodic need for credit card charges.
nils lou, professor of art
http://nilslou.blogspot.com
www.tinyurl.com/bpc5nm
503.883.2274
"Play is the essence of creativity", and
"What is not brought forward into consciousness....
we later call Fate", Carl Jung
mel jacobson on fri 21 jan 11
i have been doing the numbers for the last
few years, and find the fees, the extras
just don't add up. cash rules for me.
i know the world runs on credit cards, and i
know i do. a chase freedom card. i just got a
check back for $200. and for me, that is free money.
i have auto pay from my checking account, and never
pay a penny of interest. my mantra.
but for my pottery, i have always encouraged
cash sales, and after awhile, they sort of remember.
in fact that free mug seems to jog their memory.
i know that working shows means some sort of credit
card system is a given for many. and, it is getting harder and harder
to have a card machine, and pay the fees. and, they are going up.
getting much tighter.
i have never had a customer turn down a sale because they
did not have cash or check. it just does not happen in
my sales system. a great deal has to do with what is expected.
and when i go to shows, local art walks, i put a gob of twenties in my
pocket to buy a few things.
once in awhile, a customer of mine forgets the check book, or
does not have enough cash...i give them an address card and say..
`drop me a check or cash next week for the balance...take the pots
now.` i have
never been knick'ed..the letter comes in two days. four people last show
did that...and they all bought up big time...like a hundred each.
it was not in their plan to buy that many gifts, but they did.
i have a number of friends that rent studio space, have shows, and
go to shows to sell. man, if they crunched the numbers, i know they
are losing money...not making money, losing money.
and, they work their butts off. and so much of the crowds
at first friday, art walks etc. just come for the free food and a night
of gawking. so often, they are the same people. they sure don't
knock the door down to buy stuff. it gets rather old hat.
i have several friends that have stopped going to the good shows
in chicago etc. because the fees, the extras just kill them.
then add motel, food and transport, the loss becomes huge.
they can no longer say...`well, i get the classy exposure`.
one of our dear friends now shows her fabric art at my holiday
show. she takes over the lower level of the house. she sells.
and, it costs her almost nothing. pure money. much better than
going to chicago. and, my customers are now calling
her for commission sales. dribs and drabs, but it is happening.
but, her new kitchen venue is that of people buying art. they don't come t=
o
my house/studio to gawk. they come to buy.
my daughter makes mittens and hats from polar fleece. i stick them
in the pots and on the shelves....15 bucks a pair. out the door they
go. two days she sells all she can make.
i guess my bottom line is: hard times mean you must be hard on yourself.
look at the profit/ loss of your work. make good decisions. don't do the
old line: `well, to do business you have to have credit cards or
you will lose sales`. well, maybe you already are, and you are adding
to the loss.
be wise.
mel
from: minnetonka, mn
website: http://www.visi.com/~melpots/
clayart link: http://www.visi.com/~melpots/clayart.html
new book: http://www.21stcenturykilns.com
alternate: melpots7575@gmail.com
David Hendley on fri 21 jan 11
I terminated my merchant account when, in the space of one month:
1. they increased the monthly minimum to $30
2. they charged me 80 or 90 dollars for "compliance" laws
3. I added up my credit card charges and discovered that it was the
biggest expense of my business for the previous year. More than
electricity, which includes electric bisque firing, more than car
and truck expenses, more than shipping!
My business is fine without those leeches. It is really pretty easy
to "train" your customers to pay with cash or check, and it works
fine to allow newbies to mail you a check when they want to make
a purchase but don't have the cash handy.
I only go to a couple of art fairs a year, and I honestly do lose a
few sales by not accepting credit cards. No big deal - the lost
sales are nowhere near as much as the credit card charges, plus
I still have the pots. I like making pots and love being a potter,
but no, I won't do it for no payment.
I eschewed credit cards for years, finally relented in about 2004,
and wrote a column about how potters need to accept cards in
Clay Times. When the "downturn" of 2008-09 came along, I
noticed a change in shopper's psyche, and suddenly I realized
that I could reasonably go back to my old way of "cash or check"
and do fine.
I do use PayPal for online sales, but, if a customer calls to ask about
making a purchase they often ask about payment and I tell them,
if it's all the same to you, please mail me a check!
Unfortunately, the banks have customers trained to believe that
they get "cash back" by paying by credit card. This may be true
in some instances, but the truth is that cash is still king. Paying
with cash can often get you a discount much more than the puny
1% the credit card offers. I never use my credit card at small
or local businesses, like my chain saw store, my computer guy,
or my vet. Often all it takes is a comment about how I know,
as a small business, how expensive it is to take cards, and I
get a discount. Maybe it's just "don't worry, we'll pay the sales
tax", but that is a 8% discount. I know that, on the selling side,
I would be much more likely to "throw in a mug" with a large
purchase paid by cash rather than credit card.
Last year, I forgot, simply forgot, to pay my credit card bill one
month. That cost me almost $40 in fees and interest, for a $80 bill.
Loan sharks wish they could make that kind of interest. Woops,
there goes my "cash back bonus". (I went to their website and
instructed them to send me a warning e-mail should my bill not be
paid by 5 days before the due date, so that won't happen again.
It's tough getting old and forgetful).
David Hendley
david@farmpots.com
http://www.farmpots.com
http://www.thewahooligans.com
June on fri 21 jan 11
That is just obscene David. I don't know why loan sharks are arrested and t=
hese companies can be allowed to legally do the same thing!
I know that a lot of these companies run their credit card business through=
South Dakota which allow these horrendous interest rates.
Why in the world our politicians just don't pass a federal law, reigning in=
these charges is something of a puzzlement.
Warm regards,
June
http://wwww.shambhalapottery.blogspot.com
http://groups.yahoo.com/group/sodasaltfiring/
http://www.shambhalapottery.com
----- Original Message -----
From: David Hendley
To: Clayart@LSV.CERAMICS.ORG
Sent: Fri, 21 Jan 2011 16:54:14 -0000 (UTC)
Subject: Re: credit cards
I terminated my merchant account when, in the space of one month:
1. they increased the monthly minimum to $30
2. they charged me 80 or 90 dollars for "compliance" laws
3. I added up my credit card charges and discovered that it was the
biggest expense of my business for the previous year. More than
electricity, which includes electric bisque firing, more than car
and truck expenses, more than shipping!
My business is fine without those leeches. It is really pretty easy
to "train" your customers to pay with cash or check, and it works
fine to allow newbies to mail you a check when they want to make
a purchase but don't have the cash handy.
I only go to a couple of art fairs a year, and I honestly do lose a
few sales by not accepting credit cards. No big deal - the lost
sales are nowhere near as much as the credit card charges, plus
I still have the pots. I like making pots and love being a potter,
but no, I won't do it for no payment.
I eschewed credit cards for years, finally relented in about 2004,
and wrote a column about how potters need to accept cards in
Clay Times. When the "downturn" of 2008-09 came along, I
noticed a change in shopper's psyche, and suddenly I realized
that I could reasonably go back to my old way of "cash or check"
and do fine.
I do use PayPal for online sales, but, if a customer calls to ask about
making a purchase they often ask about payment and I tell them,
if it's all the same to you, please mail me a check!
Unfortunately, the banks have customers trained to believe that
they get "cash back" by paying by credit card. This may be true
in some instances, but the truth is that cash is still king. Paying
with cash can often get you a discount much more than the puny
1% the credit card offers. I never use my credit card at small
or local businesses, like my chain saw store, my computer guy,
or my vet. Often all it takes is a comment about how I know,
as a small business, how expensive it is to take cards, and I
get a discount. Maybe it's just "don't worry, we'll pay the sales
tax", but that is a 8% discount. I know that, on the selling side,
I would be much more likely to "throw in a mug" with a large
purchase paid by cash rather than credit card.
Last year, I forgot, simply forgot, to pay my credit card bill one
month. That cost me almost $40 in fees and interest, for a $80 bill.
Loan sharks wish they could make that kind of interest. Woops,
there goes my "cash back bonus". (I went to their website and
instructed them to send me a warning e-mail should my bill not be
paid by 5 days before the due date, so that won't happen again.
It's tough getting old and forgetful).
David Hendley
david@farmpots.com
http://www.farmpots.com
http://www.thewahooligans.com
Wendy Peck on fri 21 jan 11
mel said:
>don't do the old line: `well, to do business you have to have credit card=
s
>or you will lose sales`.
I don't sell my pottery, but I am committed to the buy and eat local idea. =
A
friend and I seek the offbeat, little cafes for our weekly lunch -- never
the chains or the uber-trendy. In the last couple of years, I have noticed =
a
growing trend that many of these unique places do not accept credit or
debit. Cash only. Their prices are very fair for the quality, and people do
not seem to mind planning ahead for cash -- these places are always busy.
Many know much it costs merchants to offer these services. A small, and
hopefully growing, number of us would rather use our money to support peopl=
e
who are offering great value for a unique product, rather than the banks.
Hardly a huge-wave trend, but worth watching, especially for those offering
unique products, like hand-made pottery.
Wendy
Bonnie Staffel on sat 22 jan 11
David, once after I forgot to pay my bill, I went to my local bank and
signed a permission paper to take the payment from my savings account so
that I would not have to pay this type of fee. So far it has worked well.
But I am working on a system so that I pay the account on time.
Bonnie
http://webpages.charter.net/bstaffel/
http://vasefinder.com/bstaffelgallery1.html
DVD Throwing with Coils and Slabs
DVD Introduction to Wheel Work
Charter Member Potters Council
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