We have a lot of eCheck/ACH. Our policy is that the first time a customer "makes a mistake" is the last time they are allowed to use eCheck/ACH.
Regards, Chuck On Mon, Jan 18, 2016 at 11:31 AM, Sovereen, David A < [email protected]> wrote: > I disagree. With IPPay, the fee for ACH is .10 or .15 fixed (I don’t > remember, but its something like that), whereas credit cards are a > transaction fee plus and percentage. For recurring payment, ACH helps the > bottom line. Losing 2% month after month adds up after > months/years/decades. > > Dave > > On Jan 17, 2016, at 10:17 AM, Ken Hohhof <[email protected]> wrote: > > This is one of the reasons I just don’t accept e-checks. All someone > needs is a used or unused check to know the routing and account number, and > if you accept it without seeing proof it’s their account, you could > basically be complicit to check fraud. To even consider accepting an ACH > payment over the phone, I would want that customer to set that up ahead of > time as a payment method, including the voided check thing. I know, > there’s also risk with a card not present transaction, but more checks and > easier to fix. It just seems creepy that anyone who has seen one of your > checks can take money right out of your bank account, and that money is > gone, and it’s a difficult process to get it back. > > The other reason is the minimum monthly fee to accept ACH payments through > my bank is too high, and I don’t feel like setting up a separate processor > for e-checks as opposed to scanning paper checks. > > > *From:* Josh Luthman <[email protected]> > *Sent:* Sunday, January 17, 2016 9:08 AM > *To:* [email protected] > *Subject:* Re: [AFMUG] Auditing IPpay > > We pay like $100 a year for an efax account. Customers get a toll free > number to fax to, we get it via email. > Josh Luthman > Office: 937-552-2340 > Direct: 937-552-2343 > 1100 Wayne St > Suite 1337 > Troy, OH 45373 > On Jan 17, 2016 9:30 AM, "Mark Radabaugh" <[email protected]> wrote: > >> Fax - an obsolete technology that just needs to FOAD. >> >> For what it’s worth http://www.vitelity.com/services_vfax/ works really >> well, or if you want to run the platform yourself http://www.faxback.com >> >> The customers with check bouncing issues probably don’t have access to a >> fax in any case. The comment on security issues was in relation to having >> an image of the check floating around in email, which is a potential >> liability I don’t need given the customers propensity to get their email >> passwords hacked on a regular basis. >> >> SMS to a cell phone might not be bad other than I don’t like giving >> everyone (and certainly not disgruntled suspended customers) our cell phone >> numbers ;-) >> >> Mark >> >> >> On Jan 16, 2016, at 4:39 PM, Josh Luthman <[email protected]> >> wrote: >> >> Efax? >> Josh Luthman >> Office: 937-552-2340 >> Direct: 937-552-2343 >> 1100 Wayne St >> Suite 1337 >> Troy, OH 45373 >> On Jan 16, 2016 3:58 PM, "Mark Radabaugh" <[email protected]> wrote: >> >>> Are you seriously telling me I have to get a fax machine? >>> >>> Making them SMS a picture of the check isn’t a horrible idea. Probably >>> need to think about the security implications a bit. >>> >>> Mark >>> >>> >>> On Jan 16, 2016, at 10:30 AM, Ken Hohhof <[email protected]> wrote: >>> >>> Maybe that is why some payees insist that you mail or FAX them a voided >>> check before they accept ACH payments from you. >>> >>> *From:* Mark Radabaugh <[email protected]> >>> *Sent:* Saturday, January 16, 2016 7:12 AM >>> *To:* [email protected] >>> *Subject:* Re: [AFMUG] Auditing IPpay >>> >>> What really pisses me off is the lusers that figure out that a EFT >>> transaction always authorizes then bounces a couple of days later, so they >>> give you a bogus account to get service turned back on until the check >>> bounces. The bank doesn’t charge them because they made up the account in >>> the first place, but we still get the $10 fee from the bank. Not only did >>> they not pay the bill, they cost us fees. >>> >>> There is a whole list of people we won’t accept EFT’s from anymore. >>> >>> Mark >>> >>> >>> >>> >>> On Jan 15, 2016, at 6:58 PM, Josh Luthman <[email protected]> >>> wrote: >>> >>> That may be the case, but there's no way I could really begin to track >>> that. We do card transactions daily. If I try to compare Powercode's >>> transaction list to Chase my eyes would get dizzy, especially if you throw >>> in delayed transactions from some days. >>> >>> >>> Josh Luthman >>> Office: 937-552-2340 >>> Direct: 937-552-2343 >>> 1100 Wayne St >>> Suite 1337 >>> Troy, OH 45373 >>> >>> On Fri, Jan 15, 2016 at 6:49 PM, Cameron Crum <[email protected]> wrote: >>> >>>> You may have a couple cards that took longer to settle too. I'd check >>>> again tomorrow or Monday and see if the money shows up. The vast majority >>>> of time, we see funding in 48hrs, but sometimes it is longer. >>>> >>>> >>>> >>>> On Fri, Jan 15, 2016 at 5:46 PM, Josh Luthman < >>>> [email protected]> wrote: >>>> >>>>> We do minimal ACH, but I definitely appreciate the heads up =) >>>>> >>>>> We get (or at least used to...) an email when an NSF happens. Haven't >>>>> seen that in quite some time, but we also quit doing ACH and probably have >>>>> 3-5 customers using it. >>>>> >>>>> >>>>> Josh Luthman >>>>> Office: 937-552-2340 >>>>> Direct: 937-552-2343 >>>>> 1100 Wayne St >>>>> Suite 1337 >>>>> Troy, OH 45373 >>>>> >>>>> On Fri, Jan 15, 2016 at 6:43 PM, Cameron Crum <[email protected]> >>>>> wrote: >>>>> >>>>>> One thing you might check is make sure the ACH charges actually went >>>>>> through if you have them. IPPay will get an approval from the bank and >>>>>> give >>>>>> your system the approval, but if the funds are NSF on the day they draw >>>>>> the >>>>>> transaction will reverse. There is no mechanism for IPPay to report that >>>>>> via their API so it is up to the end user to check their IPPay report. >>>>>> Just >>>>>> an idea. >>>>>> >>>>>> >>>>>> >>>>>> On Fri, Jan 15, 2016 at 2:46 PM, Sterling Jacobson < >>>>>> [email protected]> wrote: >>>>>> >>>>>>> That’s around what I was told and am expecting. >>>>>>> >>>>>>> I’ll have to check the numbers again to make sure. >>>>>>> >>>>>>> *From:* Af [mailto:[email protected]] *On Behalf Of *Josh Luthman >>>>>>> *Sent:* Friday, January 15, 2016 11:38 AM >>>>>>> >>>>>>> *To:* [email protected] >>>>>>> *Subject:* Re: [AFMUG] Auditing IPpay >>>>>>> >>>>>>> >>>>>>> I've done fees/total charge and it was 1.99-2.01% I believe >>>>>>> >>>>>>> >>>>>>> Josh Luthman >>>>>>> Office: 937-552-2340 >>>>>>> Direct: 937-552-2343 >>>>>>> 1100 Wayne St >>>>>>> Suite 1337 >>>>>>> Troy, OH 45373 >>>>>>> >>>>>>> On Fri, Jan 15, 2016 at 1:31 PM, Sterling Jacobson < >>>>>>> [email protected]> wrote: >>>>>>> >>>>>>> Yes, I see that. >>>>>>> >>>>>>> So I should be able to audit what Platypus/IPPay says was charged, >>>>>>> with what goes into the bank account directly. >>>>>>> There are functions for doing that within Platypus, I just haven’t >>>>>>> used them in years J >>>>>>> >>>>>>> Maybe I’m not so concerned about that as much as I’m wondering if >>>>>>> the IPPay fees, and merchant fees are on par with the rate I think I’m >>>>>>> supposed to be getting. >>>>>>> >>>>>>> >>>>>>> >>>>>>> *From:* Af [mailto:[email protected]] *On Behalf Of *Josh Luthman >>>>>>> *Sent:* Friday, January 15, 2016 11:26 AM >>>>>>> *To:* [email protected] >>>>>>> *Subject:* Re: [AFMUG] Auditing IPpay >>>>>>> >>>>>>> Merchant fees come out as their own charge at the end of the month. >>>>>>> You should receive 100% of what you charge. >>>>>>> >>>>>>> >>>>>>> Josh Luthman >>>>>>> Office: 937-552-2340 >>>>>>> Direct: 937-552-2343 >>>>>>> 1100 Wayne St >>>>>>> Suite 1337 >>>>>>> Troy, OH 45373 >>>>>>> >>>>>>> On Fri, Jan 15, 2016 at 1:21 PM, Sterling Jacobson < >>>>>>> [email protected]> wrote: >>>>>>> >>>>>>> I’m wondering the same thing for Platypus billing. >>>>>>> >>>>>>> At times it seems the merchant fees are a lot higher that I thought >>>>>>> they would be looking at the raw incoming in our QuickBooks and the >>>>>>> monthly >>>>>>> outgoing line item for IPPay and AMEX etc. >>>>>>> >>>>>>> *From:* Af [mailto:[email protected]] *On Behalf Of *Josh Luthman >>>>>>> *Sent:* Friday, January 15, 2016 10:39 AM >>>>>>> *To:* [email protected] >>>>>>> *Subject:* [AFMUG] Auditing IPpay >>>>>>> >>>>>>> Does anyone do any sort of checking to make sure what you charge in >>>>>>> billing (ie Powercode) actually shows up in your account (ie Chase)? I >>>>>>> don't suspect anything, but the thought occurred after I saw we're short >>>>>>> $500 today from what we charged in cards on the 13th. >>>>>>> >>>>>>> Josh Luthman >>>>>>> Office: 937-552-2340 >>>>>>> Direct: 937-552-2343 >>>>>>> 1100 Wayne St >>>>>>> Suite 1337 >>>>>>> Troy, OH 45373 >>>>>>> >>>>>>> >>>>>>> >>>>>>> >>>>>>> >>>>>> >>>>>> >>>>> >>>>> >>>> >>>> >>> >>> >>> >>> >>> >>> >> >> > >
