-adam
> -----Original Message-----
> From: Doug White [mailto:[EMAIL PROTECTED]
> Sent: Friday, April 16, 2004 02:23 PM
> To: 'CF-Talk'
> Subject: Re: Online Payment Form
>
> I guess it is a case of preferences.
>
> Basing my own business decision on personal experience with providers who took a
> credit card number, and then set it up for recurring billing, and then when I
> ended the arrangement, ran into problems with getting the recurring billing to
> stop.
>
> I had this experience with AOL, Earthlink, Cloudmark, and several others not so
> prominent.
>
> As a result, I discontinued recurring billing completely, and with it the need
> to store credit card numbers. I replaced it with a scheduled PayPal request
> which requires positive input from the client in order to pay his/her bill,
> completely avoids disputes, completely avoids my maintaining personal financial
> information on a client
>
> A side effect was the elimination of license fees, batch processing, and monthly
> payment gateway fees, all of which tend to add to your service pricing if left
> in place. This methodology permits me to maintain a more personal relationship
> with the client and not something insecure like his credit card. (which,
> incidentally changes over time) Another side benefit is that any issues the
> client may have with me will be proactively addressed, and that I consider a
> service improvement. PayPal deals with currency exchange rates, foreign
> payments, all without extra effort or expense on my part.
>
> There is a lot said (and done) with automated processing, but I just prefer to
> keep the personal touch, and let the client know that they are that much more
> important to me.
>
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