Ask the gopayment customer rep

Miscellaneous and Personal Stuff I Must Share
1

Anyone interested in gopayment? Have questions about it? Want to know the ins and outs? Fire away, and I’ll do my best to answer them. I’ve been an “Intuit Care Agent*” since Jan 28th, and in that time have handled over 1200 calls ranging from simple how to questions to complex errors that take over 2 hours of phone time to resolve, so I’m pretty confident in my ability to answer your questions.

*I loathe this title, and hope the person who came up with it gets put on bathroom cleaning duty in a hole in the wall eatery in Mexico after a bunch of drunken frat boys eat expired refried beans and drinks the local water.

2

So - googling it -Gopaymentis the service that allows you to take payments onsite with a little credit card reader attached to your smartphone.

So … if someone buys your used crap at a flea market and decides they don’t like that old patio furniture they bought from you a month ago can they ask their CC company to withhold payment of refund them for the purchase and have the funds deducted from your account?

What is the transaction fee for processing these onsite payments?

3

If a customer of yours isn’t happy with the product or service, they can do a charge back. In this case, Intuit will withdrawal the funds from the merchant’s account and hold them until an investigation is done. They’ll ask the merchant for a copy of the receipt/invoice/work order. They’ll get in touch with the customer who is doing the charge back and get their side of the story. They’ll talk to the issuing bank in question as well. After deciding who’s in the right, the money either goes back to the customer, or the merchant. Either way, it costs the merchant $25 for each charge back.

Depends on the plan/bundle. In the case of just a stand alone gopayment account, there’s 2 plans. With pay as you go, you only pay when you do a transaction. If you swipe the card and it’s not a corporate, government, international, or rewards card, you’ll pay 2.7% of the transaction. If you key in the entry, or it’s one of the 4 cards mentioned above, it’ll be 3.75% of the transaction, plus a 15 cent authorization fee.

If you’re on the monthly plan, you pay $12.95/month. It drops your swiped rate to 1.75% of the transaction, if it’s not one of the above mentioned card types. If you key in a debit card, it’ll be 2.75% of the transaction. If you key in a credit card, or it’s one of the above mentioned cards, it’s 3.75% and the 15 cent authorization fee.

This goes for Discover, Visa, and Mastercard. American Express has a different rate depending on the business type, but with them it’s a flat rate, regardless of card type or swiped/keyed in.

If you bundle gopayment with other packages, such as Quickbooks Online, eCommerce, Quickbooks Point of Sale, etc, then you get the rates of that particular program.

4

Just so I’m clear if someone does a chargeback the merchant not only loses the charged back funds but is charged a $ 25.00 fee as well?

5

The chargebacks and tiered percentages seem a nightmare. I already use Square and Paypal’s swiper thingy (different jobs) and neither does that. What makes Gopayment a better choice then either of them?

6

Or put another way, if someone does a chargeback for a bogus reason and the merchant “wins,” they still lose $25.

That sounds pretty shitty to me, but I’ve no idea how chargebacks work for traditional credit card payments. Do merchants pay a fee for those too?

7

Yup, the merchant is out the $25, regardless of whether he wins or loses the case. Of course if the merchant is processing enough with Intuit, they’ll waive the fee. If he wins, he does get the money back though.

As for how gopayment compares to square or paypal swipe services, I haven’t a clue. Intuit does provide us reps with a chart showing the prices and features other companies have, but I am wary of trusting it, as in all likely hood it is skewed to favor Intuit.

I’ve never used them, and don’t know much about them aside from the fact that they are out there.

I get mixed reviews from merchants who call in for some reason or another. Some say our service is better, some says square’s is better. I haven’t had anyone tell me paypal is better, yet. I’m sure I will eventually though.

8

What specifically are your head to head advantages over paypal?

9

So when are you going EMV with the card reader and accepting chip cards? That way, all us Canadians/Mexicans/Europeans/Asians/etc can use it too.

(Even if you go wireless, I believe there’s an EMV and a non-EMV version of the wireless standard…)

10

I have a question

If someone somehow compromises my account and manages to generate a huge credit to themselves…what happens?

11

Unless they have the sense to go into the website merchants use to update their account info, any transactions anyone does using your account goes to your bank account.

12

One of my customers had this happen, got hit for $1800, intuits official answer was “too bad” She was basically told even though they could tell the login was done from an IP in a former soviet republic, that it must have been done with her permission and used her password.