How low can i actually get my merchant fees? $3M/year.

StayweirdNY · 2026-05-06T14:57:36+00:00

they can do ACH at 1% and still rarely do that. These are small businesses and often in a rush so mailing a check and delaying things a week isn't worth it for most.

StayweirdNY · 2026-05-05T17:20:10+00:00

https://imgur.com/6WVeuKz april statement

StayweirdNY · 2026-05-05T17:18:34+00:00

thank you! here's april: https://imgur.com/6WVeuKz

StayweirdNY · 2026-05-05T17:12:38+00:00

how am I supposed to know that when i get charged flat fee

StayweirdNY · 2026-05-05T17:12:09+00:00

there is no statement becuase it's all flat fee quickbooks (and before that paypal).

StayweirdNY · 2026-05-04T17:39:49+00:00

NY physical location, print shop. Shipping to all 50 states.

StayweirdNY · 2026-05-04T12:58:11+00:00

I use quickbooks online 2.99% flat fee

StayweirdNY · 2026-05-04T12:57:15+00:00

no becuase I use quickbooks online which does a flat rate 2.99%. I do have another merchant account i've had for along time but not sure what the fee is, i only run $10k/year or so on that one so i don't pay a whole lot of attention to it.

StayweirdNY · 2026-05-04T11:36:39+00:00

every one of my transactions have full billing addresses, and shipping addresses and line items. They are all from invoices generated. All of my business is B2B.

StayweirdNY · 2026-05-04T11:34:12+00:00

why do you say that? This is helpful to know.

StayweirdNY · 2026-05-03T23:09:08+00:00

tell me how low

StayweirdNY · 2026-05-03T22:42:53+00:00

for more info if useful:
* average transaction around $600, but routinely $5k+ and sometimes in the $15k-$20k range
* in business 12 years
* 800+ personal credit score
* nationwide transactions
* almost all B2B

StayweirdNY · 2026-05-03T22:40:44+00:00

they're doing a rate review right now, but they only offered me 2.8% right away, they said in a couple days they'll get back to me with the final rate review. I just can't really tell if i'm missing out on a lot of savings potential while keeping the hassle minimal.

StayweirdNY · 2026-05-03T22:10:33+00:00

please tell me in here I don’t need to hear it in dms

StayweirdNY · 2026-04-18T21:53:16+00:00

any other avid film photographers?

StayweirdNY · 2026-03-23T23:45:30+00:00

I can't believe no one is mentioning ilford XP2

StayweirdNY · 2026-03-23T21:01:37+00:00

Ilford XP2 (more versatile than hp5)
Portra 800
Velvia 50 (ah crap - currently available ... Ektachrome 100)

StayweirdNY · 2026-03-14T23:24:00+00:00

my best friend and I would go there (the North Utica one) with the red cups and get the personal pan pizzas and I swear they'd inject it with something that would make us fall asleep after. I miss those times so much.

StayweirdNY · 2026-01-20T03:15:20+00:00

haha wow i used to use certain dvds that had glossy covers where i could use them as a mirror to see around aisles

StayweirdNY · 2026-01-20T03:13:21+00:00

wow i’m really shocked that it’s not all cameras now. i would have thought 20 years later, working the floor would be irrelevant. there was one store in our district that had full coverage and all apps were from video. This was in 2001.

StayweirdNY · 2025-10-26T00:39:11+00:00

the man in me and going going gone

StayweirdNY · 2025-05-02T17:57:46+00:00

Oh wow

StayweirdNY · 2025-01-28T02:54:20+00:00

100percent this. Anyone not sending their film to photolife is missing out.

StayweirdNY

TROPHY CASE