If you are in a more rural area the culture is not a credit card charge type of one. Most rural people have been taught not to use credit unless nothing else is possible.
I have only had one or two guys in 30 years asked to pay with a credit card.
Plus the whole credit card deal is a rip off for all involved except the card issuer. They charge HIGH interest rates and then make the seller pay a processing fee up front. Debt cards are just as bad. People paying to spend their own money.
The Government control types would love to go all plastic so there would be a trail for every transaction. They hate paper money and the freedom that it allows.
I would vote to dump the credit card service. Look at what you are paying for it and the low return you are getting on it. Look at the cost per transaction you have. Lets say you pay $75 each year for the machine. Then 3-4% fee on top of that. So you have 30 transactions each year. Your paying $2.50 for each one plus the fee.
Dump it and offer a cash discount if paid within five-ten days. Charge a late fee if over ten days. You will son train your customers.
Guys that do not collect aggressively are training their customers too. Just they do not see it as their fault what their account receivables go sky high.
I have always been a stickler on keeping accounts current. I do mine so any that I have will be that way too real quick. If not then it is COD on everything from then on. I have two guys that I do a fair amount of repair work for. I write them an estimate and I get paid before I turn the first wrench for them. Not bad fellows just very poor businessmen. Their business is losing money badly. It is not my job to enable them to keep running their business at a loss. They need to figure out how to make a profit or switch businesses
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