Stephanie
Expert October 2018

Vendors not taking credit cards

Stephanie, on November 16, 2017 at 8:51 AM Posted in Community Conversations 0 32
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Ok so my florist is the most reasonable in the area, but she doesn't take credit cards! Actually the only two of my vendors that DO take credit cards is my venue and my dj! Quite personally I'd rather get the points on my credit card. Has anyone run into this or is it still common for businesses to not take credit cards?

32 Comments

Latest activity by Sally, on November 16, 2017 at 5:27 PM
  • JSull
    Master October 2017
    JSull ·
    • Flag

    We had a few vendors only take cash/checks. We saved up cash, but we preferred to use a card, get points, and then just pay that off. I had to pay the florist, dj and photographer with check/cash.

    • Reply
  • FME
    Master March 2018
    FME ·
    • Flag

    I haven't run into that issue except for my photographer, she accepts CC for a deposit but the remainder must be in check. They probably don't want to pay the CC processing fees.

    • Reply
  • Ashley
    Dedicated March 2018
    Ashley ·
    • Flag

    Most of my vendors do not, are only allow the deposit to go on the credit card. The fees can be really high on large purchases, so it can be seen as lost revenue.

    • Reply
  • Abbie
    Devoted April 2018
    Abbie ·
    • Flag

    I think this might be more common than you think...most of our vendors require check or cash. If you think about it: the CC works out great for you, but with processing fees of anywhere from 2-5% (or more!), that's a lofty fee for the vendor to pay and they add up quick.

    • Reply
  • I
    November 2018
    I'mthemom ·
    • Flag

    We don't normally take credit cards either. Although, we will but we do charge 3% because the CC companies charge us. Cash, check, and money orders are the norm for us.

    • Reply
  • bobbileighba
    Expert June 2018
    bobbileighba ·
    • Flag

    I am about half and half. The ones that don't take cards said it is because of the fees and said they would do it, but the fee would be my responsibility. For those vendors I used a check, but I prefer to use my credit card to get the miles.

    • Reply
  • Celia Milton
    Celia Milton ·
    • Flag

    We don't take them either; the fee, though it seems little, kills us and we can't legally charge more to cover it.

    What you might do is see if your credit card company issues checks against your card. Many do, especially at this time of year, but make sure you're clear on the fee to you.

    • Reply
  • Kristin
    Super May 2018
    Kristin ·
    • Flag

    We are paying everything in cash and the venue is actually giving $5 off per person for doing cash. We also got a discount from the dj for doing cash. It never hurts to ask for a cash discount.

    • Reply
  • Beachy
    VIP November 2017
    Beachy ·
    • Flag

    Mine were split. We had vendors that only took cash/check and others took credit. Some charged to use the credit card also.

    • Reply
  • Munchkin9218
    Master September 2018
    Munchkin9218 ·
    • Flag

    Almost all of the venues we spoke to would only accept cash/check after the initial deposit. All our other vendor would take a form of card payment (credit or debit)

    The only snag we hit was our photographer who is not yet set up to accept credit card. She recently left being the assistant/second shooter for another photographer in our area to start her own business as a photographer and so wasn't yet set up to accept credit cards, but would accept payment via venmo/paypal, cash or check.

    • Reply
  • Rosered
    Devoted January 2019
    Rosered ·
    • Flag

    I think that if you are dealing with small businesses you are more likely to find the cash/check only policy. They don't have the volume to make up for the fees charged by the card companies.

    • Reply
  • chelsey
    Super March 2018
    chelsey ·
    • Flag

    I think I have paid every vendor through PayPal.

    • Reply
  • @brd2be
    Expert April 2018
    @brd2be ·
    • Flag

    My caterer is the only one that does not take credit card. I totally get it - they also dont take personal checks for the final amount though so im going to be running to the bank a few days before the wedding to get a bank check and then deliver it to their office, which i am not too thrilled about.

    • Reply
  • FutureMrsWhite
    Dedicated April 2018
    FutureMrsWhite ·
    • Flag

    All of ours take credit cards. All of our deposits were made via credit card. We'll likely pay off the big ticket items (venue and caterer) with American Express since they will back you with no problem if there is an issue. We'll pay everything else with cash/check.

    • Reply
  • Maria
    VIP March 2016
    Maria ·
    • Flag

    We had to pay cash for our photographer, some of the musicians and band/Dj the rest was all CC.

    • Reply
  • firstoneat56
    Master August 2017
    firstoneat56 ·
    • Flag

    Our venue (which included the DJ) and pastry chef did not take credit cards. Our photographer did, but he offered us a 5% discount for cash so we gave him cash. We paid the florist by CC. When I calculated how many points I would miss out with the venue, it was only worth about $135 and since I was able to negotiate my minimum from 75 to 70, saving about $875, I didn't concern myself with the lost points.

    If you want, you can mention to the venue that since you can't use your credit card and will miss out on points, can they throw in X. You should know how much those points are worth before asking since you don't want to ask for something worth $500 if you are only missing out on $100 worth of points. Doesn't hurt to ask gently. If they are already throwing in extras, don't bother asking.

    • Reply
  • Annie
    VIP October 2018
    Annie ·
    • Flag

    Only one of my vendors didn't take credit cards, so I had to write a check. It was so annoying because I had to mail it, and it took over a month for them to get it and cash it. Right after they cashed it, they then decided it would make life easier for everyone if they started accepting credit card payments.

    • Reply
  • mrsmack
    VIP April 2017
    mrsmack ·
    • Flag

    I think our bakery and our caterer were the only vendors that took cards, we used checks for everything else.

    • Reply
  • MrsOtoBe
    VIP October 2017
    MrsOtoBe ·
    • Flag

    I don't think any of our vendors took CC except our bakery. Like others mentioned, the processing fees are killer.

    • Reply
  • Talia Willner
    Talia Willner ·
    • Flag

    I take credit cards, through gritted teeth...usually my fees on a credit card transaction are in the triple digits. It sucks, especially for wedding vendors because our transactions are typically in the thousands of dollars. It's honestly cheaper for me to offer a cash discount than it is for me to take a credit card, so I offer that in hopes people will take advantage of it rather than pay with credit.

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