The problem with merchant accounts is that the more you refund transactions,
the more flags you raise. With my merchant account if I have a refund rate
of 1% of my annual transaction, questions & audits arise. If you have a
charge back rate of 0.1 %, then your usage rates go HIGHER. Merchant
account providers preferably want 0 charge backs, but are aware it may be a
difficult ambition.
In other words, the merchant account provider gives you time to "refund" a
transaction before a chargeback. So every refund you make, you still
corner yourself to a "High Risk" account and your rates increases from 1-2%
to 7% depending on the nature of your business. Either way, a merchant
account is looked upon as a business account, regardless of "for profit" or
"non-profit".
My suggestion is more simple:
Hold a personal cheque of the value of the phone, along with a copy of a
picture ID (responsibility of the person wanting the phone on loan). For
shipping a phone, anyone can create a Venture 1 business account with Canada
post, pay for parcel shipping online via credit card, print the waybill,
and drop the phone to any Canada Post office or letter box, and email the
PDF copy of the waybill as proof of shipment to the loan moderators.
There are other ways of Bank Transfers via Online Bill Payment procedures,
but those take time and money (in the couple of hundreds of dollars) to
setup and incurs a minimum of $15-$25 in monthly usage fees.
But granted, we've had a very relaxed phone loan program and to be fair to
others and give others a fair chance on the loans, we may need a more
effective system in place vs. signing a form.
Best,
Reza.
----- Original Message -----
From: "Simon P. Ditner" <[EMAIL PROTECTED]>
To: <[email protected]>
Sent: Monday, February 11, 2008 1:41 AM
Subject: Re: [on-asterisk] Aastra Loaner Program
re: holding something of value. Something physical isn't too
practical, and wads of cash is even less so -- but how about a hold on
a credit card for the value of the phone? Anyone know how difficult
that sort of thing is if you had a merchant account? How long can a
hold be for?
re,
spd
On Feb 10, 2008 5:03 PM, Chuck Mariotti <[EMAIL PROTECTED]> wrote:
I often found it hard to get the units back to a meeting the next month
(if the subject wasn't of interest or I couldn't make it). Shipping would
have been nice, or some method of getting it to the next person in line.
I also think it would be wise to get something held until the unit is
returned (of greater value than the phone of course). It's too easy a
deal to get one.
-----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of Simon
P. Ditner
Sent: February-10-08 10:07 AM
To: [EMAIL PROTECTED]
Cc: [email protected]
Subject: Re: [on-asterisk] Aastra Loaner Program
It's on pause at the moment. A few too many phones didn't come back,
and so we're improving our tracking a bit so that we can hound people
better.
Some extra options we're considering are:
- Pre-arranged reservations and then pickup at a meeting
- A pre-paid shipping fee so that it's easier to send them back
- A round trip shipping fee so that coming to a meeting isn't
absolutely necessary
Thoughts anyone?
On Feb 9, 2008 5:57 PM, [EMAIL PROTECTED] <[EMAIL PROTECTED]> wrote:
> I would like to know if the loaner program for aastra program is still
> available. If so, who do I contact to borrow an Aastra 9133i phone.
>
> Thanks
>
--
| It ain't what you don't know that gets you into trouble. It's what
| you know for sure that just ain't so. -- Mark Twain
|
| The Toronto Asterisk Users Group
| Join the discussion group by visiting http://taug.ca
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| It ain't what you don't know that gets you into trouble. It's what
| you know for sure that just ain't so. -- Mark Twain
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| The Toronto Asterisk Users Group
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