Armory Sponsor
Posted: 3/21/2025 10:27:41 AM EDT
| I stepped away from my previous CC processing support due to fees. I see a couple other options out there now. Is anyone using TacticalPay for CC processing? |
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I think my company is Firstview, but I don't' know if that's their name or just their website to look at my account. I pay around 3%. Their online chat says she's w/ Merchant Services of Firstview. |
I sell firearms produced by the finest child labor in the world, be it Filipino, Muslim, Mormon, Arizonan, or Texan.
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Firstview is my "reporting" portal SwipeSimple is my mobile card reader provider The "actual" merchant account is from Fortis (formerly Blue Dog). Before BlueDog/Fortis, I was with Clearent. I'm about to dump BlueDog/Fortis because of fees. Yes, in theory, I pay 2.0% on "qualified" charges, and 2.9% on "mid-qualified" charges and 3.5% on "non-qualified" charges. "Qualified" means the customer uses a basic bitch card (i.e. ZERO rewards program.). Who has that these days? Nobody. "Mid-qualified" rate should apply to rewards cards, and "Non-qualified" should be those few times I manually punch in a number. Somehow, even with doing PCI-DSS/SAQ compliance, nearly 100% tapped/dipped card-present processing, I'm still paying "non-qualified" rates....  But the percentage is just "the tip of the iceberg" on the cost: Monthly Maintenance/Statement Fee: $11.95 Monthly Fee: $9.95 Breach Protection fee: $7.95 SwipeSimple Fee: $9.95 So even without processing a single charge, I'm looking at $39.80, plus any actual processing fees. And due to changes in WA State law, my "sales" volume is way down, and I barely process cards at all now. I'm basically just doing transfers now, and even then, to avoid onerous, outrageous compliance costs, I have to keep sales below $1,000/month. Hardly worth the squeeze, so after my FFL expires in May 2026, I may not renew it. January 2025's actual cost to process was 18.5% because of very low volume on cards ($200) , and February 2025 was 7.3% because card sales jumped up to $834. My highest card volume month ever, the fully-baked cost to take cards was still 3.8%. Square would be the better choice for me, given the no monthly minimum, but their ToS is bullshit. |
Armory Sponsor