We use WePay.com if ACH. Very cheap.
Jerome ______________ BLANKSPACES "work FOR yourself, not BY yourself" www.blankspaces.com 5405 Wilshire Blvd (2 blocks west of La Brea) Los Angeles, CA 90036 323.330.9505 (office) On May 16, 2013, at 3:47 PM, Adrian Palacios <[email protected]> wrote: > Thanks Alex. We offer Dwolla as offsite payment provider (for members to pay > their bills online) but I wasn't aware they supported ACH. > > It is indeed a question of perception. Technology, at the end of the day, is > a matter of finding the right partner/tool and typing the right code, but if > applied in the wrong context, it will just not make things easier. > > Answering your question, in the UK for example, Direct Debit (the closest > process to ACH) is widespread. Most people pay subscriptions, utility bills, > accommodation, and the like using this method. > > Personally, as a payer, I rather use my card, pay there and then, a not have > any authorizations laying around. But from the perspective of someone running > a space I can see how, given the right transaction volume, those %s add up > quickly. So yes, I guess it all depends of the size, the users and how the > whole process is implemented and perceived by them... very interesting topic > and definitively a lot of food for some lateral thoughts and original > solutions... > > Adrian > > > -- > Adrian Palacios > E: [email protected] > T: +44.776.555.6838 > > > > > > [email protected] > http://www.nexudus.com > > > > On 16 May 2013 22:54, Alex Hillman <[email protected]> wrote: > The US ACH provider that seems to be the "cleanest" is Dwolla, but the entire > process is still clunky: you need bank account information, multiple steps of > verification, and a bunch of other things. Credit/debit cards are much more > readily available, are perceived to be more secure (chargebacks, etc), and > offer benefits to the customers (cash back, points, etc). I wonder...is this > different outside of the US? > > As usual, the barrier is a mix of technical and perception, but either way I > find the extra couple of % worth avoiding that pain for our members. At some > scale of revenue processing I could see the amount we pay in processing fees > becoming painful, but even processing hundreds of members it's not that much > for simplicity and peace of mind for business owners and members alike. > > As for CiviCRM's support, I could be wrong but > http://wiki.civicrm.org/confluence/display/CRMDOC43/Payment+Processors seems > to have a column called "recurring contributions". I believe that, at least > in most cases, that's an auto-debit option. > > -Alex > > > > > > -- > > /ah > indyhall.org > coworking in philadelphia > > > On Thu, May 16, 2013 at 5:42 PM, Adrian Palacios <[email protected]> wrote: > oh payment industry... trading in jolly ranchers would really be so much > easier... We started offering variable regular payments about 6 months ago > via Direct Debit (sort of ACH). Members sign up online when they join the > space and they provide a one off authorization to be charged a variable > amount of money a month. This normally includes the price plan charges (this > would be your $200 Jerome) plus any outstanding charges for that member. The > transactions are slow but much cheaper than a credit card charge, normally > less than 1%. This is slightly different that a regular payment, in that you > don't set and interval and you could request funds multiple times in the same > month if it was required, up to a limit set by the provider. Usually around > ยค500, but, in every case, it is always initiated by the space. Members only > need to make the initial authorization, so it's quite convenient for both > ends of the transaction. > > The bad news (and incredibly frustrating for us) is that we haven't yet found > a provider in the US able to offer such as streamlined process (call for help > goes here). There is PayPal ACH and a couple of promising services we are > working with, but nothing allowing to cleanly avoid the process of having to > manually process the variable charges at the end of the month (your are no > alone on this Jerome) > > Alex, if you don't mind me asking, what auto-debit providers does CiviCRM > support? Perhaps we have missed a good one! > > Adrian > > > On Thursday, May 16, 2013 9:08:49 PM UTC+1, Jerome wrote: > No way. We can schedule out $200/mo for the next 20 years if we want. So if > we had 100 members, and 70 have $200/mo without any incidentals or other > random charges, then we're only reviewing the remaining 30 plans to make sure > they're properly invoiced/charged. And out of those 30, for 25 of them we > would likely manually enter in $210, or @200.50 or something. The last 5 > would be because they pay by check or cash, or by piles of jolly ranchers in > our barter exchange program. (haha! of course we don't exchange in jolly > ranchers, but wouldn't that be hilarious???) > > > Jerome > ______________ > BLANKSPACES > "work FOR yourself, not BY yourself" > > www.blankspaces.com > 5405 Wilshire Blvd (2 blocks west of La Brea) Los Angeles, CA 90036 > 323.330.9505 (office) > > On May 16, 2013, at 1:04 PM, Alex Hillman <[email protected]> wrote: > >> Jerome, >> >> Does this mean that every month you need to schedule a new $200/month >> payment for each member? Or does it do that automatically? >> >> -Alex >> >> >> >> -- >> >> /ah >> indyhall.org >> coworking in philadelphia >> >> >> On Thu, May 16, 2013 at 4:01 PM, Jerome Chang <[email protected]> wrote: >> Our system can schedule in the future, auto-payments to credit cards on >> file. This is ideal for plans that just pays, say, $200/mo. >> However, they system does not run whatever outstanding balance is on a >> client's account. We have to manually enter the amount we want to run on >> their card, say, 10 days later. This occurs for plans that not only have a >> simple $200/mo plan, but also has other incidentals charged to their >> account: lost key replacement, printing, etc. >> >> >> Jerome >> ______________ >> BLANKSPACES >> "work FOR yourself, not BY yourself" >> >> www.blankspaces.com >> 5405 Wilshire Blvd (2 blocks west of La Brea) Los Angeles, CA 90036 >> 323.330.9505 (office) >> >> On May 16, 2013, at 12:32 PM, Alex Hillman <[email protected]> wrote: >> >>> Got it, thanks! >>> >>> The reason I ask is because so many of the community/group/club management >>> systems I've evaluated in the past do monthly invoicing but don't >>> auto-debit (or if they do, they're pretty terrible at everything else). It >>> looks like some of the pay gateway options that CiviCRM supports allows for >>> auto-debit, which is good news. >>> >>> We're at the tail end of a migration from our old billing system and it's >>> one of those things that I wish we'd done a few years ago. Doing it at the >>> scale of hundreds of members has been one of the most time consuming >>> processes I've ever been through. Necessary, but ouch. >>> >>> -Alex >>> >>> >>> >>> -- >>> >>> /ah >>> indyhall.org >>> coworking in philadelphia >>> >>> >>> On Thu, May 16, 2013 at 3:15 PM, Devin <[email protected]> wrote: >>> There's core support for about 20, including Google Checkout, PayPal and >>> Authorize.net. More here: >>> http://wiki.civicrm.org/confluence/display/CRMDOC41/Payment+Processors >>> >>> There is also an extension for Stripe.com, which works nicely and is my >>> payment processor of choice. I think a Dwolla extension is in the works. >>> >>> On Thursday, May 16, 2013 3:07:22 PM UTC-4, Alex Hillman wrote: >>> Devin, >>> >>> What payment processors does CiviCRM billing integrate with? >>> >>> >>> >>> -- >>> >>> /ah >>> indyhall.org >>> coworking in philadelphia >>> >>> >>> On Thu, May 16, 2013 at 3:04 PM, Devin <[email protected]> wrote: >>> I've used Civi for a lot of things but not for space management. One day >>> when I have a space... >>> >>> To quickly address your CiviCRM questions: one important feature is that it >>> works inside a Wordpress site. It does membership management and automated >>> billing, It doesn't do access tracking or resource reservations, but I >>> think that's what this extension proposes doing. >>> >>> CiviCRM isn't a perfect solution for coworking space management right now >>> but I come from the school of thinking that problems don't get solved until >>> there's a free/libre/open-source solution - and I'd put my money on CiviCRM >>> being that solution in the not too distant future. >>> >>> >>> On Wednesday, May 15, 2013 5:43:41 AM UTC-4, Cristina Santamarina wrote: >>> Sam, congratulations for the close release! Your design is really nice, and >>> you seem to handle most of what's needed - I am very very curious to see >>> how you app works! I didn't find the time to watch a demo in GCUC but I'd >>> love to try it once it is fully functional - when will I be able to click >>> buttons and play around :) ? >>> >>> Thanks for the mention to Cobot Brendan - it is great to see that someone >>> is pointing to us even before I jump in the conversation. Lately I hear of >>> a lot of new spaces using Cobot that learned about us through users >>> comments in the discussion boards or that saw Cobot visiting other >>> coworking spaces. Referrals prove us that we are on the right track and >>> keep us moving. We send you coblove! >>> >>> As Adrian said, each space is managed in a very different way - it is hard >>> to be a fit for all and that's why I see a reason for all of us to exist. >>> Last year there were just three options: Nexudus, Nadine, and Cobot. I was >>> looking for software for the coworking space that some friends were >>> starting and fell in love with Cobot at first sight for the same reasons >>> you mentioned - it is smooth and easy to use. I think the main reason >>> behind this is that we run a space ourselves and don't overcomplicate >>> things with additional features that end up being unused - That's why I >>> joined the team, and why everyday I feel so happy and proud of being part >>> of it and help so many spaces. >>> >>> Re CiviCRM, I am skeptic about generic CRM and ERP tools being adapted to >>> coworking spaces management - after over 6 years working with workspace >>> software and having tried many of these generic tools, I have lost my >>> faith. Devin have you tried it yourself? What's the added value? I see in >>> their list of features that they have an extensive contact profile and that >>> they can also handle pledges, but they don't seem to handle membership >>> plans, access tracking, resources reservations or automated billing - which >>> are key to coworking software. Being a fit for all when you are a tool made >>> for coworking is hard (we have to develop new features every week to fit >>> the needs of new spaces using Cobot, and sometime we find that there's just >>> no way to be a fit) so fitting the different coworking models when you're >>> not even a tool made for coworking sound like a *very* hard thing. If they >>> can make all this for the 4k$, I guess we will have to try yet another >>> coworking management tool. >>> >>> Hey this was a long answer - we should all meet afk at some point, this is >>> a hot topic!! >>> >>> On Monday, January 21, 2013 11:30:52 PM UTC+1, Jason Saltzman wrote: >>> Hello everyone. I own and operate a co-working space in Midtown NYC, called >>> AlleyNYC. We are looking for a member management solutions that would >>> integrate with a magnetic door lock mechanism, where we can also manage >>> certain pain points such as conference room allotment etc. I kindly ask for >>> suggestions from any veteran. Racking my brain! Thanks in advance and Happy >>> New Year to ALL! >>> >>> Jason >>> >>> -- >>> Visit this forum on the web at http://discuss.coworking.com >>> --- >>> You received this message because you are subscribed to the Google Groups >>> "Coworking" group. >>> To unsubscribe from this group and stop receiving emails from it, send an >>> email to [email protected]. >>> >>> For more options, visit https://groups.google.com/groups/opt_out. >>> >>> >>> >>> >>> -- >>> Visit this forum on the web at http://discuss.coworking.com >>> --- >>> You received this message because you are subscribed to the Google Groups >>> "Coworking" group. >>> To unsubscribe from this group and stop receiving emails from it, send an >>> email to [email protected]. >>> For more options, visit https://groups.google.com/groups/opt_out. >>> >>> >>> >>> >>> -- >>> Visit this forum on the web at http://discuss.coworking.com >>> --- >>> You received this message because you are subscribed to the Google Groups >>> "Coworking" group. >>> To unsubscribe from this group and stop receiving emails from it, send an >>> email to [email protected]. >>> For more options, visit https://groups.google.com/groups/opt_out. >>> >>> >> >> >> -- >> Visit this forum on the web at http://discuss.coworking.com >> --- >> You received this message because you are subscribed to the Google Groups >> "Coworking" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to [email protected]. >> For more options, visit https://groups.google.com/groups/opt_out. >> >> >> >> >> -- >> Visit this forum on the web at http://discuss.coworking.com >> --- >> You received this message because you are subscribed to the Google Groups >> "Coworking" group. >> To unsubscribe from this group and stop receiving emails from it, send an >> email to [email protected]. >> For more options, visit https://groups.google.com/groups/opt_out. >> >> > > > -- > Visit this forum on the web at http://discuss.coworking.com > --- > You received this message because you are subscribed to the Google Groups > "Coworking" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > > For more options, visit https://groups.google.com/groups/opt_out. > > > > > -- > Visit this forum on the web at http://discuss.coworking.com > --- > You received this message because you are subscribed to a topic in the Google > Groups "Coworking" group. > To unsubscribe from this topic, visit > https://groups.google.com/d/topic/coworking/9T0nbjD14bk/unsubscribe?hl=en-US. > To unsubscribe from this group and all its topics, send an email to > [email protected]. > For more options, visit https://groups.google.com/groups/opt_out. > > > > > -- > Visit this forum on the web at http://discuss.coworking.com > --- > You received this message because you are subscribed to the Google Groups > "Coworking" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > For more options, visit https://groups.google.com/groups/opt_out. > > -- Visit this forum on the web at http://discuss.coworking.com --- You received this message because you are subscribed to the Google Groups "Coworking" group. 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