A few customers discovered that game. After they pull that once or twice we flag the account and refuse any further ACH payments. It’s a minor nuisance at this point.
Mark > On Nov 11, 2015, at 11:52 AM, Adam Moffett <[email protected]> wrote: > > The people who are cheating you as you describe below already have bad credit > and sending them to collections or not won't make any difference. > > Where you'll get paid is when you're dealing with young people who made > errors in judgement and now are trying to buy a car or a house and realize > they can't until they pay off old debts. > > I can't think of any "slanderous hate speech" incidents related to > collections, except maybe one. > > > On 11/11/2015 11:41 AM, Jeremy wrote: >> I originally loved ACH, for the cost savings. Now I have realized that it >> is the only way that a customer can defraud us with our current billing >> method. They login and run an ACH on a delinquent account, get it turned >> back on automagically, and then it bounces, we add a fee, they repeat the >> process, we turn it off, add another fee, rinse, lather, repeat. Finally we >> give up and go get the equipment and now we're out like $250. Being a >> prepaid service we usually shut them off after 20 days and so that would be >> the most that anyone could possibly hit us for (20 days of service). With >> checks they can bounce the install and then play the re-activation game for >> two months before we get frustrated and pull out. >> >> We have yet to start sending customers to collections. For those of you >> that are, how does it work out? Are the reclamation of these minor amounts >> worth the slanderous hate speech that is sure to come from that customer for >> life after you hit their credit? We have been eating the cost, cutting >> ties, and moving on. >> >> As far as how we push them toward ACH, I simply explain how bad bill pay >> sucks. It is like sending cash in the mail and it goes through a third >> party. If they are late mailing it then service gets shut off, and late >> fees get added. I also tell them that credit cards cost us more to process >> than checks. I basically just tell them that we prefer ACH, but we will >> take anything. I regularly question whether ACH is a good idea or not. We >> have more problem customers on ACH than any other payment method. >> >> On Wed, Nov 11, 2015 at 8:41 AM, Ken Hohhof <[email protected] >> <mailto:[email protected]>> wrote: >> Our bank wants a $25/mo minimum fee for us to process ACH payments, so we >> don’t accept ACH. The per transaction fee is not bad, but the minimum is a >> problem. >> >> From: Justin Wilson - MTIN <mailto:[email protected]> >> Sent: Wednesday, November 11, 2015 9:29 AM >> To: [email protected] <mailto:[email protected]> >> Subject: Re: [AFMUG] Steer customers to ACH (vs CC)? >> >> Give them a discount. Much of it depends on the bank. We had folks who >> absolutely hated ACH because their bank would charge an overdraft if the ACH >> failed. They like the CC, even if it was a debit card, because if the money >> wasn’t there it just declines it. No $30 fee or whatever. But, it depends >> on the bank. This is what wasn’t attractive to us was banks treated it >> different. Credit card either runs or it doesn’t. ACH typically is not as >> smooth for a variety of reasons. >> >> Justin Wilson >> <mailto:[email protected]>[email protected] <mailto:[email protected]> >> >> --- >> http://www.mtin.net >> <http://t.sidekickopen27.com/e1t/c/5/f18dQhb0S7lC8dDMPbW2n0x6l2B9nMJW7t5XZs3N1JKKW1p8b7-63BmqTW64k9XR56dWxNf8vBN2802?si=5679648505069568%CF%80=E0BF5AA5-EFD6-40A2-B53F-749AC8A25C0A&t=http%3A%2F%2Fwww%2Emtin%2Enet> >> Owner/CEO >> xISP Solutions- Consulting – Data Centers - Bandwidth >> >> >> <http://t.sidekickopen27.com/e1t/c/5/f18dQhb0S7lC8dDMPbW2n0x6l2B9nMJW7t5XZs3N1JKKW1p8b7-63BmqTW64k9XR56dWxNf8vBN2802?si=5679648505069568%CF%80=E0BF5AA5-EFD6-40A2-B53F-749AC8A25C0A&t=http%3A%2F%2Fwww%2Emidwest%2Dix%2Ecom>http://www.midwest-ix.com >> <http://www.midwest-ix.com/> COO/Chairman >> Internet Exchange - Peering - Distributed Fabric >> >>> On Nov 11, 2015, at 10:21 AM, Christopher Gray <[email protected] >>> <mailto:[email protected]>> wrote: >>> >>> For the people who accept both ACH and CC payments, do you do anything to >>> promote the use of ACH (to reduce your costs)? >>> >>> Thanks - Chris >> >> >
