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The Window Ninja

Go cardless fees up from feb



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Wind o kleen
12 minutes ago, C Rose Cleaning Services said:

Yes it was at the footer of an email sent out today, and it’s also on their website.

 

100% this, it’s all about spending your time better. GC allows collection of all my old BACS payers without any hassle at all. Never needing to check the bank or send reminders is more than worth both the 1% and 1%+20p. It’s still cheaper than SumUp, Square or iZettle invoicing by miles with none of the fuss.

 

I have no idea what everyone is getting so antsy about, my prices have gone up 3x by about £1 per time since I started using GC. This is peanuts. Get a grip.

Could you send me the link from website with it on , as I can’t find anything about it and I have never received email from them about this also asked somebody else and they haven’t 

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Iron Giant
10 hours ago, C Rose Cleaning Services said:

Yes it was at the footer of an email sent out today, and it’s also on their website.

 

100% this, it’s all about spending your time better. GC allows collection of all my old BACS payers without any hassle at all. Never needing to check the bank or send reminders is more than worth both the 1% and 1%+20p. It’s still cheaper than SumUp, Square or iZettle invoicing by miles with none of the fuss.

 

I have no idea what everyone is getting so antsy about, my prices have gone up 3x by about £1 per time since I started using GC. This is peanuts. Get a grip.


I never used card readers, but I do still have over 100 jobs that pay cash or bacs these are a mix of longterm jobs and new ones people in there late 70's-80's etc were I know there is no issue with paying even if they owe twice or more I also have some that pay in advance 3-12 month in advance.

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Poles Apart
14 hours ago, C Rose Cleaning Services said:

 

Why would you need to increase the customers price by 20p to cover this charge? It’s 20 pence per customer, hardly a deal breaker is it?

It's basic business procedure all businesses pass on costs to customers if energy companies have to pay more for gas they don't freeze prices.

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C Rose Cleaning Services
43 minutes ago, Poles Apart said:

It's basic business procedure all businesses pass on costs to customers if energy companies have to pay more for gas they don't freeze prices.


so every time you buy fuel and the price has fluctuated you add it on to prices? Come on mate, it’s 20p, not £5. Just incorporate it into your next price increase which should be minimum of bi-annually anyway. 

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Poles Apart
Just now, C Rose Cleaning Services said:


so every time you buy fuel and the price has fluctuated you add it on to prices? Come on mate, it’s 20p, not £5. Just incorporate it into your next price increase which should be minimum of bi-annually anyway. 

Inflation is the reason for price increases not just fuel, the Go Cardless fee is not a price increase it's a separate charge and where will it end?

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Shammy Davis Senior
19 hours ago, C Rose Cleaning Services said:

 

Why would you need to increase the customers price by 20p to cover this charge? It’s 20 pence per customer, hardly a deal breaker is it?

It’s not a big deal if you’ve only got about 300 customers and only 50 or so on Gocardless. If you’ve got 2,000 and they’re all on GC, that’s your bill doubled from £2,500 to £5,000. That’s a big increase for the same service. I’ve refused PayPal and card readers and I’ll no longer push Gocardless as with 2,000 customers it’s still only about 2 hours work a week to tick off payments. Each to their own. 

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C Rose Cleaning Services
39 minutes ago, Shammy Davis Senior said:

It’s not a big deal if you’ve only got about 300 customers and only 50 or so on Gocardless. If you’ve got 2,000 and they’re all on GC, that’s your bill doubled from £2,500 to £5,000. That’s a big increase for the same service. I’ve refused PayPal and card readers and I’ll no longer push Gocardless as with 2,000 customers it’s still only about 2 hours work a week to tick off payments. Each to their own. 

 

If you’ve got 2000 customers on GC you shouldn’t even be on their basic plan, so you’d be paying less than the entry fee anyway. Perhaps this is something you need to have a chat with them about as by your maths you're turning over ~600k a year with those fees.
 

All tax deductible anyway, so I really don’t see the issue here. I’d never ever go back to chasing BACS payments, especially 2 hours a week worth of admin to check they've come in. 
 

2% fee for the service they’re providing is more than fair in my opinion. 
 

I can guarantee your price increases have been more than 1% over 6 years since they launched though. 

Edited by C Rose Cleaning Services

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Shammy Davis Senior
1 hour ago, C Rose Cleaning Services said:

 

If you’ve got 2000 customers on GC you shouldn’t even be on their basic plan, so you’d be paying less than the entry fee anyway. Perhaps this is something you need to have a chat with them about as by your maths you're turning over ~600k a year with those fees.
 

All tax deductible anyway, so I really don’t see the issue here. I’d never ever go back to chasing BACS payments, especially 2 hours a week worth of admin to check they've come in. 
 

2% fee for the service they’re providing is more than fair in my opinion. 
 

I can guarantee your price increases have been more than 1% over 6 years since they launched though. 

I think you’re struggling to grasp that their fee increase is 100% and not 1%. 

 

I don’t have 2,000 on it. I have about 100 of 2,000 on it and had made the decision to make it compulsory for all new customers two weeks ago. I’ve changed my mind though with the fee increase.

 

 

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C Rose Cleaning Services
23 minutes ago, Shammy Davis Senior said:

I think you’re struggling to grasp that their fee increase is 100% and not 1%. 

 

I don’t have 2,000 on it. I have about 100 of 2,000 on it and had made the decision to make it compulsory for all new customers two weeks ago. I’ve changed my mind though with the fee increase.

 

 

And what you’re failing to grasp is that 2% is insignificant for the cash flow and additional bonus of no debt chasing. 
 

Each to their own, but if 2% of your yearly turnover isn’t worth 100+ hours of admin checking payments and chasing customers then there’s no helping you really. Your debt list must be enormous if you only take manual transfers. 

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Iron Giant

Yes if you have 300 jobs on GC and are paying lets say £30 a month currently on the basis of a 1% charge then the overall cost will triple to £90 per month because of the 20p charge, because £0.20 x 300 =£60, I only did some maths today so overall it's a big hike, because we like many other businesses no doubt will have 100's if not 1,000's of transaction each month 

 

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Pjj
2 minutes ago, Iron Giant said:

Yes if you have 300 jobs on GC and are paying lets say £30 a month currently on the basis of a 1% charge then the overall cost will triple to £90 per month because of the 20p charge, because £0.20 x 300 =£60, I only did some maths today so overall it's a big hike, because we like many other businesses no doubt will have 100's if not 1,000's of transaction each month 

 

 

 

Call me old fashioned but we only accept, cash, cheques, BACS payments , no charges with any of theses , this is yet another reason why I won’t use this type of payment you are always at the mercy of the company running it if they put up prices there is nothing you can do about it , and with a sizeable business it would be a nightmare after getting hundreds or thousands of customers to alter payment methods . 

For the same reasons I will not use the software companies either again you are at there mercy if something goes wrong until they fix the problem there is nothing you can do , same if they decide to put up there prices , and you are relying on a 3rd party with all your customer data base , none of which Ime happy to share with them ..

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Part Timer
1 minute ago, Pjj said:

cash, cheques,

I get charged to put these in to my bank

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C Rose Cleaning Services
2 minutes ago, Pjj said:

 

 

Call me old fashioned but we only accept, cash, cheques, BACS payments , no charges with any of theses , this is yet another reason why I won’t use this type of payment you are always at the mercy of the company running it if they put up prices there is nothing you can do about it , and with a sizeable business it would be a nightmare after getting hundreds or thousands of customers to alter payment methods . 

For the same reasons I will not use the software companies either again you are at there mercy if something goes wrong until they fix the problem there is nothing you can do , same if they decide to put up there prices , and you are relying on a 3rd party with all your customer data base , none of which Ime happy to share with them ..


Must be chilly in that cave you live in 😂

 

Get with the times mate. Businesses cost money to run. Couldn’t think of anything worse than knocking on doors to get a cheque to pay in. 

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Iron Giant
14 minutes ago, Pjj said:

 

 

Call me old fashioned but we only accept, cash, cheques, BACS payments , no charges with any of theses , this is yet another reason why I won’t use this type of payment you are always at the mercy of the company running it if they put up prices there is nothing you can do about it , and with a sizeable business it would be a nightmare after getting hundreds or thousands of customers to alter payment methods . 

For the same reasons I will not use the software companies either again you are at there mercy if something goes wrong until they fix the problem there is nothing you can do , same if they decide to put up there prices , and you are relying on a 3rd party with all your customer data base , none of which Ime happy to share with them ..


I appreciate what you and others have said, but for me as mentioned previously my memory is quite bad so round tracking apps and GC are a must for me, plus with hmrc wanting everything digital using these apps and intergrations is also a bonus for me, without these things my admin time etc would take up far more time each day rather than the 10 minutes or so it takes to organise a worksheet and hit a few buttons and collect most of debt 

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Pjj
8 minutes ago, C Rose Cleaning Services said:


Must be chilly in that cave you live in 😂

 

Get with the times mate. Businesses cost money to run. Couldn’t think of anything worse than knocking on doors to get a cheque to pay in. 

 

Lol haven’t collected for over 10 years , several thousand customers , never have a problem getting paid by the 3 methods I mentioned earlier and it costs me nothing 😂😂😂, trust me I don’t live in a cave 😂😂😂

39 minutes ago, Iron Giant said:


I appreciate what you and others have said, but for me as mentioned previously my memory is quite bad so round tracking apps and GC are a must for me, plus with hmrc wanting everything digital using these apps and intergrations is also a bonus for me, without these things my admin time etc would take up far more time each day rather than the 10 minutes or so it takes to organise a worksheet and hit a few buttons and collect most of debt 

 

 

I thought you were a sole trader ? Hmrc  dont want digital accounts from sole traders , at least not at the moment 

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Davy G
33 minutes ago, C Rose Cleaning Services said:


Must be chilly in that cave you live in 😂

 

Get with the times mate. Businesses cost money to run. Couldn’t think of anything worse than knocking on doors to get a cheque to pay in. 

I use similar methods of payment as Pjj, mostly the queen's currency or cheque, a very, very few bank transfers in rare, special circumstances. The control is therefore in my hands, not in the hands of a third party.

 

I certainly don't live in a cave. I doubt very much that Pjj does either. ,  He knows very well how to run his business.

 

My business runs very successfully with the payment methods I choose to use. The payment system is run as sweet as a nut. No knocking on doors required.

 

I think perhaps you're trying to "teach granny to suck eggs", with lecturing Pjj.

 

We all have our own way of doing things and rightly so. 🙂

 

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C Rose Cleaning Services
31 minutes ago, Davy G said:

I use similar methods of payment as Pjj, mostly the queen's currency or cheque, a very, very few bank transfers in rare, special circumstances. The control is therefore in my hands, not in the hands of a third party.

 

I certainly don't live in a cave. I doubt very much that Pjj does either. ,  He knows very well how to run his business.

 

My business runs very successfully with the payment methods I choose to use. The payment system is run as sweet as a nut. No knocking on doors required.

 

I think perhaps you're trying to "teach granny to suck eggs", with lecturing Pjj.

 

We all have our own way of doing things and rightly so. 🙂

 


Missed the metaphor guys. 
 

What are you going to do when tax is completely digital and you have notepads and cash? At some point you guys are going to have to succumb to modern life and get software to help you whether you like it or not. 
 

I’m really pleased that you both have found so much success keeping it old school, and obviously have fantastic customers to earn what you do without any collecting and debt. Must be wonderful. 

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Davy G
6 minutes ago, C Rose Cleaning Services said:


Missed the metaphor guys. 
 

What are you going to do when tax is completely digital and you have notepads and cash? At some point you guys are going to have to succumb to modern life and get software to help you whether you like it or not. 
 

I’m really pleased that you both have found so much success keeping it old school, and obviously have fantastic customers to earn what you do without any collecting and debt. Must be wonderful. 

I guess what I'll do is seek you out to tell me how to run my business as I doubt I'll have the intelligence to figure it out myself.

Can't answer for Pjj, maybe he'll seek your help as well.

 

Meanwhile I'll try to continue to live my life well without having to "succumb" till I have to.

 

Long live free thinking.

 

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Dave B
On 26/11/2019 at 11:27, RyeCleanLiam said:


the fees haven’t doubled, if they had doubled they would have gone to 2%. It’s gone to 1% plus 20 p. For eg, before a £10 payment would have cost 20p (minimum GC fee). Now it will cost 30p. So anything up to £20 fees will be up to 15p extra, anything over that it’s just an extra 20 p on top. Nobody likes things to go up but they all do. My prices go up every year. For me personally it is still worth it, it’s my much preferred method of payment as it’s hassle free. It is also still a lot cheaper than PayPal, and cheaper than card payment options.

Never had a minimum on mine.

On a 12 quid job I pay 12p and that's it.

I only use it for certain customers to make sure I get paid but most of mine pay bank transfer and that works fine as I log on to bank with thumbprint on phone so takes seconds to check bank each evening and have squeegee open on split screen. Can't remember when I last used laptop. I won't take cheques though..and of course cash left somewhere is the best option 🤫🤑

Always paid within a couple of days and no chasing up needed apart from the odd text reminder which is done on squeegee anyway so no effort on my part.. gocardless is integrated also so on completion the gc payment is requested automatically. 

As for digital tax even an excel spreadsheet is digital lol.

Your accountant would sort it anyway.

Nothing wrong with working with a notepad/spreadsheet/software or outlook calendar.. still does the same job.

Some people need to be less preachy.

 

 

Edited by Dave B

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Wind o kleen
11 minutes ago, Dave B said:

Never had a minimum on mine.

On a 12 quid job I pay 12p and that's it.

 

Old sign ups paid just 1% newish sign ups paid 20p now everybody will be paying both 

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Dave B
Just now, Wind o kleen said:

Old sign ups paid just 1% newish sign ups paid 20p now everybody will be paying both 

Won't bother me but would be a big jump in price for someone with loads of customers on it.

 

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Wind o kleen
2 minutes ago, Dave B said:

Won't bother me but would be a big jump in price for someone with loads of customers on it.

 

Same I have only recently started using it , thibk I have about 30 customers on it , am sure it’s still wourth every penny , 

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Dave B
2 minutes ago, Wind o kleen said:

Same I have only recently started using it , thibk I have about 30 customers on it , am sure it’s still wourth every penny , 

It's worth it to me for problem payers.. they get 1 or 2 chances then it's gocardless or go away.

I would actually wait longer for payments with gocardless than I do now with most customers. 

Edited by Dave B

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Davy G
3 minutes ago, Dave B said:

It's worth it to me for problem payers.. they get 1 or 2 chances then it's gocardless or go away.

I would actually wait longer for payments with gocardless than I do now with most customers. 

Your method Dave. Rightly so. 🙂

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Pjj
1 hour ago, C Rose Cleaning Services said:


Missed the metaphor guys. 
 

What are you going to do when tax is completely digital and you have notepads and cash? At some point you guys are going to have to succumb to modern life and get software to help you whether you like it or not. 
 

I’m really pleased that you both have found so much success keeping it old school, and obviously have fantastic customers to earn what you do without any collecting and debt. Must be wonderful. 

 

 

All companies have outstanding debt it’s called cash flow 😂😂😂 most companies we deal with pay on a 28 day cycle Ime sure if you do any commercial you will be aware of this fact , I don’t know  of any that would pay by go cardless that’s not the way there accounts departments work . As for domestic a lot of my customers are like me old school and certainly would not sight up to go careless no more than I would in there shoes , I am not a computer genius like the younger generation and am not the slightest bit interested in going down that route , I have been in buisness for over 30 years not all window cleaning and have always managed to run it somehow without all theses computer programs etc so guess I must be doing something wrong ????😂😂😂Ime   good and successful at getting and retaining customers , I leave the paperwork to my wife and the accountant , any changes that are needed he is more than capable of doing and after all that’s why I have him 😂😂😂

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Shammy Davis Senior
11 hours ago, C Rose Cleaning Services said:

And what you’re failing to grasp is that 2% is insignificant for the cash flow and additional bonus of no debt chasing. 
 

Each to their own, but if 2% of your yearly turnover isn’t worth 100+ hours of admin checking payments and chasing customers then there’s no helping you really. Your debt list must be enormous if you only take manual transfers. 

I don’t clean windows so I have the time to do it plus I have a p/t admin. It’s 2% now, but imagine if it goes to PayPal levels and 100% of your customers use it. It’s now had two price jumps. Besides £7,000 for 100 hours work doesn’t seem a bad return. 

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Iron Giant
10 hours ago, Pjj said:

 

I thought you were a sole trader ? Hmrc  dont want digital accounts from sole traders , at least not at the moment 


Yes I am a sole trader, at the moment is like saying "yet" or "but" 😅 ultimately we each have our own ways I ain't going to preach to anyone as we each run our businesses successfully.

I example of my memory I was in the middle of making a drink, then I had to race out the door because I realised I had left the booster pump running and the tank could be overflowing, came back in the house sat on the sofa for 15 minutes before realising I had left my drink in the kitchen

Edited by Iron Giant
grammar

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Shammy Davis Senior

Just to add, the cash flow argument is a myth. At anyone time our debt level is equivalent to 5 days turnover or thereabouts and I think Gocardless take 5 days to pay, so there’s no benefit there.

 

The reason I went for it was the increased level of commitment that I hoped it would give. I’ll still offer it and as I’ve thought more about it I will insist on it for those I don’t like the sound of when they call. 

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Pjj
9 minutes ago, Shammy Davis Senior said:

Just to add, the cash flow argument is a myth. At anyone time our debt level is equivalent to 5 days turnover or thereabouts and I think Gocardless take 5 days to pay, so there’s no benefit there.

 

The reason I went for it was the increased level of commitment that I hoped it would give. I’ll still offer it and as I’ve thought more about it I will insist on it for those I don’t like the sound of when they call. 


surely if you don’t like the sound of a potential customer just don’t take the job on , that’s what I do , you can get a feeling pretty quickly about some people , when I ask are you looking for a regular clean if they say , we will have it done this time and see how it goes then they arnt for me 😂😂

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Davy G

If I don't like the sound of a potential customer or I think they might be trying for a crafty one off, I make sure to price slightly higher than normal and a bit extra for the first clean.

 

Funny thing is ; some of these have turned out to be very good, friendly and loyal customers once they've got to know us, and us them. There's so much publicity about rogue traders and the like it can make people very suspicious, some are just naturally abrasive.

 

Mostly now we have a very good working relationship with them.

2 minutes ago, Davy G said:

If I don't like the sound of a potential customer or I think they might be trying for a crafty one off, I make sure to price slightly higher than normal and a bit extra for the first clean.

 

Funny thing is ; some of these have turned out to be very good, friendly and loyal customers once they've got to know us, and us them. There's so much publicity about rogue traders and the like it can make people very suspicious, some are just naturally abrasive.

 

Mostly now we have a very good working relationship with our customers.

 

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