RE: Payments online -- website

December 7, 2008

Hi ,

It worked fine. I just sent you $5.00 as a symbol of my

appreciation for your helpful posts.

dts

From:

[mailto: ] On Behalf Of Locke

Sent: Saturday, December 06, 2008 9:28 PM

To: Locke

Subject: Payments online -- website

As

you know, I was interested in allowing patients to pay online...but didn't want

to spend a bunch of money doing it.

I

think I have an answer with the free PayPal business option.

I am

ready to put on my statement that patients can now pay online.

The

would go to...

https://lockefam1.ipower.com/Payment.html

And

then follow the directions on the webpage.

Will

be interesting to see who uses it.

I

tried it myself and it seemed to flow OK.

I

also managed to make the initial Payment page (which is not part of PayPal) a

more secure page through my host - iPower.

Anyway,

if you want to see a home grown version of online payments, check it out.

Locke, MD

December 7, 2008

Hi ,

It worked fine. I just sent you $5.00 as a symbol of my

appreciation for your helpful posts.

dts

From:

[mailto: ] On Behalf Of Locke

Sent: Saturday, December 06, 2008 9:28 PM

To: Locke

Subject: Payments online -- website

As

you know, I was interested in allowing patients to pay online...but didn't want

to spend a bunch of money doing it.

I

think I have an answer with the free PayPal business option.

I am

ready to put on my statement that patients can now pay online.

The

would go to...

https://lockefam1.ipower.com/Payment.html

And

then follow the directions on the webpage.

Will

be interesting to see who uses it.

I

tried it myself and it seemed to flow OK.

I

also managed to make the initial Payment page (which is not part of PayPal) a

more secure page through my host - iPower.

Anyway,

if you want to see a home grown version of online payments, check it out.

Locke, MD

December 7, 2008

Don, you are too much. :-)Thanks!Interestingly, they do have the option to put a Donation button on the website -- like if you run a blog or other service where people might want to donate.The other function I am thinking of playing with is the subscription service.You can set up a button that makes monthly payments -- forever or for a certain about of time.That would work well for those doing concierge type practice and doing a monthly charge -- this would do it automatically for you.Also, I've toyed with using the subscription/monthly payment option for patients on a payment plan.Set up a button for $25, 50, or 100/month and then have a button for 1x, 2x,...12x payments to meet their balance.I would have the front desk have the patient pay enough to make the remaining balance consistent with the # payments and monthly payment and then it would pay off automatically until done.Anyway, some interesting things to do.I'll try to let everyone know how it works out.It will probably be a cycle or 2 before I get the statements updated so patients know they can go there, but I'll tell my front desk to tell patients that want to pay that they can surf over to the website.If nothing else, this falls under the IMP idea of low/no overhead that allows a practice to offer a service for minimal cost.Also, for those not taking credit cards for whatever reason, this would be a way to jump into that without a lot of fuss.You could just do this through the internet and you can set it up to transfer monies to your bank account and get a monthly statement by e-mail from PayPal.

Plus you don't even need to incorporate it into your website. You can go directly to the PayPal site to enter the charges for the patient instead of the patient doing it.I'm sure the fees are probably higher than some options, but for something I could do myself and has no ongoing fees, this is pretty good.BTW, here is what the receipt for Don's payment looked like...it gets sent to me to document payment.

Normally, it would have info on Name on Account to be Paid: In this case, "gratitude" and then the Account #.

I would then give this print out to my front desk to apply to the patient account like the patient had called her to use a credit card.

It seems pretty slick, but it will be interesting to see if patients really want to use it.

==================================================== eCheck payment in progressDear Locke Family Medicine,Sammamish Diabetes and Lipid Clinic, PLLC has sent you an eCheck payment of $5.00 USD.It usually takes about 3-5 days for you to receive the money (estimated: 12/10/2008-12/12/2008). We recommend that you wait until the money arrives before shipping items. We'll email you when this eCheck payment has been deposited into your account.-----------------------------------Payment details-----------------------------------Total amount: $5.00 USDCurrency: U.S. DollarsTransaction ID: xxxxxxxxxxxxxxxxxxxxxxQuantity: 1Item/Product Name: Locke Family Medicine Statement The following options were included with this payment: Name on Account to be Paid: Gratitude Account # Payment Goes Toward: 1Buyer: Sammamish Diabetes and Lipid Clinic, PLLC----------------------------------------------------------------Sincerely,PayPal----------------------------------------------------------------PROTECT YOUR PASSWORDNEVER give your password to anyone, including PayPal employees. Protect yourself against fraudulent websites by opening a new web browser (e.g. Internet Explorer or Netscape) and typing in the PayPal URL every time you log in to your account.----------------------------------------------------------------PayPal Email ID PPxxxx=========================================================

Locke, MD________________________________From: [mailto: ] On Behalf Of T. , MDSent: Sunday, December 07, 2008 12:44 PMTo: Subject: RE: Payments online -- websiteHi ,It worked fine. I just sent you $5.00 as a symbol of my appreciation for your helpful posts.dts

December 7, 2008

Don, you are too much. :-)Thanks!Interestingly, they do have the option to put a Donation button on the website -- like if you run a blog or other service where people might want to donate.The other function I am thinking of playing with is the subscription service.You can set up a button that makes monthly payments -- forever or for a certain about of time.That would work well for those doing concierge type practice and doing a monthly charge -- this would do it automatically for you.Also, I've toyed with using the subscription/monthly payment option for patients on a payment plan.Set up a button for $25, 50, or 100/month and then have a button for 1x, 2x,...12x payments to meet their balance.I would have the front desk have the patient pay enough to make the remaining balance consistent with the # payments and monthly payment and then it would pay off automatically until done.Anyway, some interesting things to do.I'll try to let everyone know how it works out.It will probably be a cycle or 2 before I get the statements updated so patients know they can go there, but I'll tell my front desk to tell patients that want to pay that they can surf over to the website.If nothing else, this falls under the IMP idea of low/no overhead that allows a practice to offer a service for minimal cost.Also, for those not taking credit cards for whatever reason, this would be a way to jump into that without a lot of fuss.You could just do this through the internet and you can set it up to transfer monies to your bank account and get a monthly statement by e-mail from PayPal.

Plus you don't even need to incorporate it into your website. You can go directly to the PayPal site to enter the charges for the patient instead of the patient doing it.I'm sure the fees are probably higher than some options, but for something I could do myself and has no ongoing fees, this is pretty good.BTW, here is what the receipt for Don's payment looked like...it gets sent to me to document payment.

Normally, it would have info on Name on Account to be Paid: In this case, "gratitude" and then the Account #.

I would then give this print out to my front desk to apply to the patient account like the patient had called her to use a credit card.

It seems pretty slick, but it will be interesting to see if patients really want to use it.

==================================================== eCheck payment in progressDear Locke Family Medicine,Sammamish Diabetes and Lipid Clinic, PLLC has sent you an eCheck payment of $5.00 USD.It usually takes about 3-5 days for you to receive the money (estimated: 12/10/2008-12/12/2008). We recommend that you wait until the money arrives before shipping items. We'll email you when this eCheck payment has been deposited into your account.-----------------------------------Payment details-----------------------------------Total amount: $5.00 USDCurrency: U.S. DollarsTransaction ID: xxxxxxxxxxxxxxxxxxxxxxQuantity: 1Item/Product Name: Locke Family Medicine Statement The following options were included with this payment: Name on Account to be Paid: Gratitude Account # Payment Goes Toward: 1Buyer: Sammamish Diabetes and Lipid Clinic, PLLC----------------------------------------------------------------Sincerely,PayPal----------------------------------------------------------------PROTECT YOUR PASSWORDNEVER give your password to anyone, including PayPal employees. Protect yourself against fraudulent websites by opening a new web browser (e.g. Internet Explorer or Netscape) and typing in the PayPal URL every time you log in to your account.----------------------------------------------------------------PayPal Email ID PPxxxx=========================================================

Locke, MD________________________________From: [mailto: ] On Behalf Of T. , MDSent: Sunday, December 07, 2008 12:44 PMTo: Subject: RE: Payments online -- websiteHi ,It worked fine. I just sent you $5.00 as a symbol of my appreciation for your helpful posts.dts

December 7, 2008

Don, you are too much. :-)Thanks!Interestingly, they do have the option to put a Donation button on the website -- like if you run a blog or other service where people might want to donate.The other function I am thinking of playing with is the subscription service.You can set up a button that makes monthly payments -- forever or for a certain about of time.That would work well for those doing concierge type practice and doing a monthly charge -- this would do it automatically for you.Also, I've toyed with using the subscription/monthly payment option for patients on a payment plan.Set up a button for $25, 50, or 100/month and then have a button for 1x, 2x,...12x payments to meet their balance.I would have the front desk have the patient pay enough to make the remaining balance consistent with the # payments and monthly payment and then it would pay off automatically until done.Anyway, some interesting things to do.I'll try to let everyone know how it works out.It will probably be a cycle or 2 before I get the statements updated so patients know they can go there, but I'll tell my front desk to tell patients that want to pay that they can surf over to the website.If nothing else, this falls under the IMP idea of low/no overhead that allows a practice to offer a service for minimal cost.Also, for those not taking credit cards for whatever reason, this would be a way to jump into that without a lot of fuss.You could just do this through the internet and you can set it up to transfer monies to your bank account and get a monthly statement by e-mail from PayPal.

Plus you don't even need to incorporate it into your website. You can go directly to the PayPal site to enter the charges for the patient instead of the patient doing it.I'm sure the fees are probably higher than some options, but for something I could do myself and has no ongoing fees, this is pretty good.BTW, here is what the receipt for Don's payment looked like...it gets sent to me to document payment.

Normally, it would have info on Name on Account to be Paid: In this case, "gratitude" and then the Account #.

I would then give this print out to my front desk to apply to the patient account like the patient had called her to use a credit card.

It seems pretty slick, but it will be interesting to see if patients really want to use it.

==================================================== eCheck payment in progressDear Locke Family Medicine,Sammamish Diabetes and Lipid Clinic, PLLC has sent you an eCheck payment of $5.00 USD.It usually takes about 3-5 days for you to receive the money (estimated: 12/10/2008-12/12/2008). We recommend that you wait until the money arrives before shipping items. We'll email you when this eCheck payment has been deposited into your account.-----------------------------------Payment details-----------------------------------Total amount: $5.00 USDCurrency: U.S. DollarsTransaction ID: xxxxxxxxxxxxxxxxxxxxxxQuantity: 1Item/Product Name: Locke Family Medicine Statement The following options were included with this payment: Name on Account to be Paid: Gratitude Account # Payment Goes Toward: 1Buyer: Sammamish Diabetes and Lipid Clinic, PLLC----------------------------------------------------------------Sincerely,PayPal----------------------------------------------------------------PROTECT YOUR PASSWORDNEVER give your password to anyone, including PayPal employees. Protect yourself against fraudulent websites by opening a new web browser (e.g. Internet Explorer or Netscape) and typing in the PayPal URL every time you log in to your account.----------------------------------------------------------------PayPal Email ID PPxxxx=========================================================

Locke, MD________________________________From: [mailto: ] On Behalf Of T. , MDSent: Sunday, December 07, 2008 12:44 PMTo: Subject: RE: Payments online -- websiteHi ,It worked fine. I just sent you $5.00 as a symbol of my appreciation for your helpful posts.dts

December 9, 2008

and all,

The other thing that I learned when I started using credit cards

is that most aren’t “qualified,” so they get charged a higher rate. Any

rewards card or business card is not qualified, and is 0.5 or 1.0% higher than

qualified rates. Not a big deal unless you do a lot, but something I was never

aware of as a consumer.

Sharon

From:

[mailto: ] On Behalf Of Locke

Sent: Tuesday, December 09, 2008 9:23 AM

To:

Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card

fees to use a credit card through their system -- so it isn't free in that

sense.

But there is no monthly fee for the basic business option to

have the site set up and no cost (other than opportunity costs) for me to spend

some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and

RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a " free " car

-- it's not really free -- you have to put gas in it, clean it, oil, insurance,

etc.

I guess what I mean by free and low/no overhead for the

service is....

1. No setup fee

or monthly fee to have access to the credit card service.

2. Free for me to

install on my website -- others might have to have an IT person install the

code into a website, so they might have to spend some monies.

3. So if I never

use the service, I'm not really out any money, other than the hours used to

research and install the code.

I'll try to keep everyone up to date on whether patients use

it.

But, yes, you are correct -- the actual service of using the

credit card charge is not free.

I'm sure there are cheaper options for credit card charging

out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other

options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if

it takes off.

For what it is worth -- here is my Costco Merchant service I

use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal

2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more

per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or

having your staff enter in credit card for the patient in the office, or

needing a phone line to do the credit cards, there is some extra overhead

beyond the patient who is doing this from home without any overhead for your

office -- the patient supplies the computer, internet access, time to enter the

info, etc.

So.....not a cheap option based on the transaction fee, but

cheap to set up.

Website Payments Standard: Pricing

The

transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD -

$3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USD

on a $100.00 USD transaction.

$3,000.01 USD -

$10,000.00 USD

2.5% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.80 USD

on a $100.00 USD transaction.

$10,000.01 USD -

$100,000.00 USD

2.2% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.50 USD

on a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.20 USD

on a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify

for Lower Pricing With PayPal’s Merchant Rate

When

you’ve been a PayPal member for more than 90 days and your sales volume is

more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the

previous calendar month.

To

qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your

PayPal account and complete our one-time application form.

To find

out more about this special rate, contact sales at 1-.

The

PayPal Advantage

·

No obligation

There

are no long-term contracts, and you can cancel anytime.

·

Chargeback protection

We help

protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from

certain liabilities that some merchant accounts may have.

·

Accept payments immediately

Sign up for a

PayPal Premier or Business account, and start accepting payments today.

There’s no lengthy application process

From:

[mailto: ] On Behalf Of Graham Chiu

Sent: Monday, December 08, 2008 12:25 PM

To:

Subject: Re: Payments online -- website

, how is it free?

I've been using paypal for 8 years now .. I've always been charged per

transaction.

> I think I have an answer with the free PayPal business option.

--

Graham Chiu

http://www.synapsedirect.com

Synapse - the use from anywhere EMR.

December 9, 2008

and all,

The other thing that I learned when I started using credit cards

is that most aren’t “qualified,” so they get charged a higher rate. Any

rewards card or business card is not qualified, and is 0.5 or 1.0% higher than

qualified rates. Not a big deal unless you do a lot, but something I was never

aware of as a consumer.

Sharon

From:

[mailto: ] On Behalf Of Locke

Sent: Tuesday, December 09, 2008 9:23 AM

To:

Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card

fees to use a credit card through their system -- so it isn't free in that

sense.

But there is no monthly fee for the basic business option to

have the site set up and no cost (other than opportunity costs) for me to spend

some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and

RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a " free " car

-- it's not really free -- you have to put gas in it, clean it, oil, insurance,

etc.

I guess what I mean by free and low/no overhead for the

service is....

1. No setup fee

or monthly fee to have access to the credit card service.

2. Free for me to

install on my website -- others might have to have an IT person install the

code into a website, so they might have to spend some monies.

3. So if I never

use the service, I'm not really out any money, other than the hours used to

research and install the code.

I'll try to keep everyone up to date on whether patients use

it.

But, yes, you are correct -- the actual service of using the

credit card charge is not free.

I'm sure there are cheaper options for credit card charging

out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other

options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if

it takes off.

For what it is worth -- here is my Costco Merchant service I

use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal

2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more

per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or

having your staff enter in credit card for the patient in the office, or

needing a phone line to do the credit cards, there is some extra overhead

beyond the patient who is doing this from home without any overhead for your

office -- the patient supplies the computer, internet access, time to enter the

info, etc.

So.....not a cheap option based on the transaction fee, but

cheap to set up.

Website Payments Standard: Pricing

The

transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD -

$3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USD

on a $100.00 USD transaction.

$3,000.01 USD -

$10,000.00 USD

2.5% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.80 USD

on a $100.00 USD transaction.

$10,000.01 USD -

$100,000.00 USD

2.2% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.50 USD

on a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.20 USD

on a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify

for Lower Pricing With PayPal’s Merchant Rate

When

you’ve been a PayPal member for more than 90 days and your sales volume is

more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the

previous calendar month.

To

qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your

PayPal account and complete our one-time application form.

To find

out more about this special rate, contact sales at 1-.

The

PayPal Advantage

·

No obligation

There

are no long-term contracts, and you can cancel anytime.

·

Chargeback protection

We help

protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from

certain liabilities that some merchant accounts may have.

·

Accept payments immediately

Sign up for a

PayPal Premier or Business account, and start accepting payments today.

There’s no lengthy application process

From:

[mailto: ] On Behalf Of Graham Chiu

Sent: Monday, December 08, 2008 12:25 PM

To:

Subject: Re: Payments online -- website

, how is it free?

I've been using paypal for 8 years now .. I've always been charged per

transaction.

> I think I have an answer with the free PayPal business option.

--

Graham Chiu

http://www.synapsedirect.com

Synapse - the use from anywhere EMR.

December 10, 2008

,

To clarify, there is no minimum monthly charge

for having this PayPal account? My QuickBooks one has a $9.95 minimum monthly charge,

even if no transactions are done.

Thanks for sharing your ideas and

experience, once again!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O.

Box 7275

Woodland

Park, CO 80863

www.PinnacleFamilyMedicine.com

From: [mailto: ] On Behalf Of Locke

Sent: Tuesday, December 09, 2008

10:23 AM

To:

Subject: RE:

Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a

credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the

site set up and no cost (other than opportunity costs) for me to spend some

time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth

charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a " free " car -- it's not

really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly

fee to have access to the credit card service.

2. Free for me to install on

my website -- others might have to have an IT person install the code into a

website, so they might have to spend some monies.

3. So if I never use the

service, I'm not really out any money, other than the hours used to research

and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit

card charge is not free.

I'm sure there are cheaper options for credit card charging out there,

but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use

for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes

off.

For what it is worth -- here is my Costco Merchant service I use vs the

much more expensive PayPal option.

Costco

Retail Merchants 1.64% Plus

20¢ per card-swiped transaction

PayPal

2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000

-- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your

staff enter in credit card for the patient in the office, or needing a phone

line to do the credit cards, there is some extra overhead beyond the patient

who is doing this from home without any overhead for your office -- the patient

supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to

set up.

Website Payments

Standard: Pricing

The transaction prices listed are for the U.S.

only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD -

$3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USD

on a $100.00 USD transaction.

$3,000.01 USD -

$10,000.00 USD

2.5% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.80 USD

on a $100.00 USD transaction.

$10,000.01 USD -

$100,000.00 USD

2.2% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.50 USD

on a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.20 USD

on a $100.00 USD transaction.

Sign Up

Learn

more about Website Payments Standard.

Qualify for Lower Pricing With

PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and

your sales volume is more than $3,000.00 USD per month, you’re eligible

for PayPal’s Merchant Rate. PayPal bases eligibility on sales

volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete

our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

·

No obligation

There are no long-term contracts, and you can cancel anytime.

·

Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection

Policy shields you from certain liabilities that some merchant accounts may

have.

·

Accept payments

immediately

Sign up for a PayPal Premier or Business

account, and start accepting payments today. There’s no lengthy

application process

From:

[mailto: ]

On Behalf Of Graham Chiu

Sent: Monday, December 08, 2008

12:25 PM

To:

Subject: Re:

Payments online -- website

,

how is it free?

I've been using paypal for 8 years now .. I've always been charged per

transaction.

On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail>

wrote:

> I think I have an answer with the free PayPal business option.

--

Graham Chiu

http://www.synapsedirect.com

Synapse - the use from anywhere EMR.

December 10, 2008

,

To clarify, there is no minimum monthly charge

for having this PayPal account? My QuickBooks one has a $9.95 minimum monthly charge,

even if no transactions are done.

Thanks for sharing your ideas and

experience, once again!

A. Eads, M.D.

Pinnacle Family Medicine, PLLC

phone fax

P.O.

Box 7275

Woodland

Park, CO 80863

www.PinnacleFamilyMedicine.com

From: [mailto: ] On Behalf Of Locke

Sent: Tuesday, December 09, 2008

10:23 AM

To:

Subject: RE:

Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a

credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the

site set up and no cost (other than opportunity costs) for me to spend some

time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth

charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a " free " car -- it's not

really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly

fee to have access to the credit card service.

2. Free for me to install on

my website -- others might have to have an IT person install the code into a

website, so they might have to spend some monies.

3. So if I never use the

service, I'm not really out any money, other than the hours used to research

and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit

card charge is not free.

I'm sure there are cheaper options for credit card charging out there,

but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use

for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes

off.

For what it is worth -- here is my Costco Merchant service I use vs the

much more expensive PayPal option.

Costco

Retail Merchants 1.64% Plus

20¢ per card-swiped transaction

PayPal

2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000

-- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your

staff enter in credit card for the patient in the office, or needing a phone

line to do the credit cards, there is some extra overhead beyond the patient

who is doing this from home without any overhead for your office -- the patient

supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to

set up.

Website Payments

Standard: Pricing

The transaction prices listed are for the U.S.

only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD -

$3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USD

on a $100.00 USD transaction.

$3,000.01 USD -

$10,000.00 USD

2.5% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.80 USD

on a $100.00 USD transaction.

$10,000.01 USD -

$100,000.00 USD

2.2% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.50 USD

on a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USD

Merchant Rate qualification required

You’ll pay $2.20 USD

on a $100.00 USD transaction.

Sign Up

Learn

more about Website Payments Standard.

Qualify for Lower Pricing With

PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and

your sales volume is more than $3,000.00 USD per month, you’re eligible

for PayPal’s Merchant Rate. PayPal bases eligibility on sales

volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete

our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

·

No obligation

There are no long-term contracts, and you can cancel anytime.

·

Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection

Policy shields you from certain liabilities that some merchant accounts may

have.

·

Accept payments

immediately

Sign up for a PayPal Premier or Business

account, and start accepting payments today. There’s no lengthy

application process

From:

[mailto: ]

On Behalf Of Graham Chiu

Sent: Monday, December 08, 2008

12:25 PM

To:

Subject: Re:

Payments online -- website

,

how is it free?

I've been using paypal for 8 years now .. I've always been charged per

transaction.

On Sun, Dec 7, 2008 at 6:27 PM, Locke <lockecoloradogmail>

wrote:

> I think I have an answer with the free PayPal business option.

--

Graham Chiu

http://www.synapsedirect.com

Synapse - the use from anywhere EMR.

December 10, 2008

I didnt know that about the rewards cards.

To: Sent: Tuesday, December 9, 2008 1:03:03 PMSubject: RE: Payments online -- website

and all,

The other thing that I learned when I started using credit cards is that most aren’t “qualified,” so they get charged a higher rate. Any rewards card or business card is not qualified, and is 0.5 or 1.0% higher than qualified rates. Not a big deal unless you do a lot, but something I was never aware of as a consumer.

Sharon

From: [mailto: ] On Behalf Of LockeSent: Tuesday, December 09, 2008 9:23 AMTo: Subject: RE: Payments online -- website

Hi Graham,

I suppose that is semantics.

You are correct -- PayPal does charge for the Credit Card fees to use a credit card through their system -- so it isn't free in that sense.

But there is no monthly fee for the basic business option to have the site set up and no cost (other than opportunity costs) for me to spend some time incorporating the code into my website, etc.

I could be wrong, but I believe places like Medfusion and RelayHealth charge extra for the service, plus credit card fees.

I suppose it's sort of like getting a "free" car -- it's not really free -- you have to put gas in it, clean it, oil, insurance, etc.

I guess what I mean by free and low/no overhead for the service is....

1. No setup fee or monthly fee to have access to the credit card service.

2. Free for me to install on my website -- others might have to have an IT person install the code into a website, so they might have to spend some monies.

3. So if I never use the service, I'm not really out any money, other than the hours used to research and install the code.

I'll try to keep everyone up to date on whether patients use it.

But, yes, you are correct -- the actual service of using the credit card charge is not free.

I'm sure there are cheaper options for credit card charging out there, but as an online option to try out, I'm willing to try it out.

If it becomes a big hit, maybe I'll try to find other options to use for online payments that are cheaper.

I'm willing to pay a little extra for awhile until I see if it takes off.

For what it is worth -- here is my Costco Merchant service I use vs the much more expensive PayPal option.

Costco Retail Merchants 1.64% Plus 20¢ per card-swiped transaction

PayPal 2.9% + $0.30 USD

So, let me see -- $100 transactions x 10 visit = $1,000

Costco - 1.64% ($10.64) plus 10x0.20 ($2.00) = $12.64

PayPal - 2.9% ($29.00) plus 10x0.30 ($3.00) = $32.00

So definitely a significant difference -- paying $19.36 more per $1,000 -- or $1.94 per transaction in this scenario.

Of course, if you are paying for a credit card machine or having your staff enter in credit card for the patient in the office, or needing a phone line to do the credit cards, there is some extra overhead beyond the patient who is doing this from home without any overhead for your office -- the patient supplies the computer, internet access, time to enter the info, etc.

So.....not a cheap option based on the transaction fee, but cheap to set up.

Website Payments Standard: Pricing

The transaction prices listed are for the U.S. only. Learn more about accepting international payments.

Monthly Income

Per Transaction

Transaction Price Example

$0.00 USD - $3,000.00 USD

2.9% + $0.30 USD

You’ll pay $3.20 USDon a $100.00 USD transaction.

$3,000.01 USD - $10,000.00 USD

2.5% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.80 USDon a $100.00 USD transaction.

$10,000.01 USD - $100,000.00 USD

2.2% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.50 USDon a $100.00 USD transaction.

> $100,000.00 USD

1.9% + $0.30 USDMerchant Rate qualification required

You’ll pay $2.20 USDon a $100.00 USD transaction.

Sign Up

Learn more about Website Payments Standard.

Qualify for Lower Pricing With PayPal’s Merchant Rate

When you’ve been a PayPal member for more than 90 days and your sales volume is more than $3,000.00 USD per month, you’re eligible for PayPal’s Merchant Rate. PayPal bases eligibility on sales volume from the previous calendar month.

To qualify, you must meet the Merchant Rate criteria. If you qualify, log in to your PayPal account and complete our one-time application form.

To find out more about this special rate, contact sales at 1-.

The PayPal Advantage

· No obligation

There are no long-term contracts, and you can cancel anytime.

· Chargeback protection

We help protect you from chargebacks. On qualifying transactions, PayPal’s Seller Protection Policy shields you from certain liabilities that some merchant accounts may have.

· Accept payments immediately

Sign up for a PayPal Premier or Business account, and start accepting payments today. There’s no lengthy application process

From: [mailto: ] On Behalf Of Graham ChiuSent: Monday, December 08, 2008 12:25 PMTo: Subject: Re: Payments online -- website

, how is it free?I've been using paypal for 8 years now .. I've always been charged pertransaction.> I think I have an answer with the free PayPal business option.-- Graham Chiuhttp://www.synapsedirect.comSynapse - the use from anywhere EMR.

December 10, 2008