Payment methods and fee's

[Lamrith]

I am curious/hoping that one of the guru's here can help.  I run a local customer only business and have payment options I would like to address with my CC6 checkout.

A surprising number of my customers like to place the order online even though I am local pickup only, I pretty much run a mostly cash business at this point.  I do this to keep my product prices low, why penalize everyone because a few want to use CC/paypal.  At the same time I greatly wish to offer my customers any payment option they desire, and a number of them have asked about other options. 

SO, is there a way to have multiple payment options show? Cash on pickup, CC, paypal, squarecash?  And for the CC, paypal and squarecash transactions to automatically add a 3% fee to the order?  My business is all by appointment/pickup in store, so I could use the shipping selection area as well if that helps at all.  I tried looking at all in one shipping for ideas and just drew a blank as I did not see a way to force the customer to choose CC/paypal if they wanted to pay that way (They could select "cash" and then proceed thru the Paypal portal anyway thus skipping the fee..)

Anyone have any ideas?

[bsmither]

All enabled payment options will be listed. Of course, you would need merchant accounts with these payment processors. Once a payment method is chosen, that's how the order gets paid.

When you say, "They could select "cash" and then proceed thru the Paypal portal anyway thus skipping the fee," I don't see that happening.

Also, you may want to read any agreement you sign with payment processors. (At one time, anyway) It is against their agreement that you add a surcharge if the customer chooses to use that payment method. Nothing prohibits you from offering a cash discount.

 

[Lamrith]

Thanks for the reply.  My current paypal account is a private one, but as many know they charge~3% for many transactions.  So to this point I have been a cash on pickup only operation.  I am looking to expand and offer paypal/CC, but wanted to make sure the buyer pays that fee since they are the one requesting the special payment service.

So it sounds like I need to raise my price to everyone by 3-5% then offer a 3-4% discount for cash.  I will have to look into that and how it will work with my already setup discounts for bulk.

[Lamrith]

So let me try and layout what I would like to have for my customers on checkout.  All my customers are local, the only option they have for shipping is pickup or I will deliver for orders over $299.00  I have All in one shipping setup to handle the shipping options on checkout, at this point.  however, If I need to use "all in one" for the payment functionality in some way I can clear it out and handle shipping manually since all customers are local.

Now I would like to add payment options.
*Cash
*Paypal
 

I have downloaded a few paypal gateways, but I have not been able to find a way when they are active to allow "pay on pickup" or cash on delivery option.  The customer is forced to pay thru paypal.  The same with CC gateways and I do not want to sign up for a CC gateway when I already have paypal to take CC.

Thoughts on how to do that?  I could envision using all in one to let the customer choose how they wish to pay and not have a payment gateway at all.  But then I have to manually send them an invoice and I would rather let them have a clean automated process regardless of how they pay if possible.

[jasehead]

Not sure if you have already worked out a solution for this.

I suggest using the Print Order Form payment gateway and customising that as your CASH payment option - if anyone wants to pay on pickup/delivery.

PayPal Standard would allow you to process PayPal and CC for customers who prefer to pay when they place their order.

I would use Store Collection for the shipping gateway and have text on your site about free home delivery for orders over $299.

Not sure how you're going to be able to offer an automated discount for cash, though you could manually adjust the order through Cubecart Admin and print a new invoice to give to the customer at the pickup/delivery stage.

PayPal says that you CAN charge a surcharge, but that it can not be more than what they charge you (so you would need to check PayPal's payment fee formula)

https://www.paypal.com/au/webapps/mpp/ua/useragreement-full#int_11_Receiving_funds

You may need to employ a CubeCart developer to tweak your checkout/gateway for the cash discount/PayPal surcharge.

BEST OPTION - you could just guess your ratio of Cash vs PayPal, split the difference and raise all your prices by 2%.  That way your cash payments help to subsidise your PayPal payments and the overall cost to customers is minimal - a $50 item becomes $51.

As an extra thought, you might consider a mobile PayPal Here device for processing card payments in person if you don't already have a way to accept cards on site.