Unique Late Payment Situation...

[daycarediva]

So I have a dcm who moved here from out of state. She pays me weekly by credit card. This is entering her 4th week with me. She wasn't the one picking up Friday when payment was due, so I emailed her an invoice to pay online (square).

The last three payments from her (entering CC info) has been a PITB. She enters the wrong zip code until I remind her it's her NEW card and she has to enter the BILLING zip code.

She attempted to pay the online invoice, and had so many errors the cc processing company cancelled the invoice. The email specifically says it was rejected by her card.

I messaged her that the payment/invoice was unpaid. She mentioned no issues with processing it, just said it was pending on her end. It showed up as unpaid/cancelled on my end. I resent an invoice, asked her to call her cc company and find out what was going on. I called Square, released the invoice so that she could pay it and explained the situation.

FF to tonight, it's STILL not paid. She says it's pending on her end still and isn't paying it.

I have a $50 late fee if it's not paid by Friday.

I typically refuse service until all balances are paid in full.


I'm ready to tell her it's unpaid and without payment I cannot provide services and that she needs to pay by cash or check from now on.

[daycare]

So I have a dcm who moved here from out of state. She pays me weekly by credit card. This is entering her 4th week with me. She wasn't the one picking up Friday when payment was due, so I emailed her an invoice to pay online (square).

The last three payments from her (entering CC info) has been a PITB. She enters the wrong zip code until I remind her it's her NEW card and she has to enter the BILLING zip code.

She attempted to pay the online invoice, and had so many errors the cc processing company cancelled the invoice. The email specifically says it was rejected by her card.

I messaged her that the payment/invoice was unpaid. She mentioned no issues with processing it, just said it was pending on her end. It showed up as unpaid/cancelled on my end. I resent an invoice, asked her to call her cc company and find out what was going on. I called Square, released the invoice so that she could pay it and explained the situation.

FF to tonight, it's STILL not paid. She says it's pending on her end still and isn't paying it.

I have a $50 late fee if it's not paid by Friday.

I typically refuse service until all balances are paid in full.


I'm ready to tell her it's unpaid and without payment I cannot provide services and that she needs to pay by cash or check from now on.

Can you screen print the message you get on your end and show it that it says it's not paid ?

[daycarediva]

I already forwarded her the emails from customer service and myself, and she has sent me a screenshot that says it went through and was refunded, and now another payment attempt shows it as pending.

I have NEVER had this issue with the CC processing company before. But, I saw her screen shot, so there really is no mistaking her attempts at paying. She is also right AT her cc spending limit with this transaction so she can't pay me again until both transactions go through.

[Josiegirl]

Well that's not good. Maybe tell her you need cash or check while the whole CC thing gets straightened out? If she's maxed out her limit I think I'd require cash.

[LysesKids]

So I have a dcm who moved here from out of state. She pays me weekly by credit card. This is entering her 4th week with me. She wasn't the one picking up Friday when payment was due, so I emailed her an invoice to pay online (square).

The last three payments from her (entering CC info) has been a PITB. She enters the wrong zip code until I remind her it's her NEW card and she has to enter the BILLING zip code.

She attempted to pay the online invoice, and had so many errors the cc processing company cancelled the invoice. The email specifically says it was rejected by her card.

I messaged her that the payment/invoice was unpaid. She mentioned no issues with processing it, just said it was pending on her end. It showed up as unpaid/cancelled on my end. I resent an invoice, asked her to call her cc company and find out what was going on. I called Square, released the invoice so that she could pay it and explained the situation.

FF to tonight, it's STILL not paid. She says it's pending on her end still and isn't paying it.

I have a $50 late fee if it's not paid by Friday.

I typically refuse service until all balances are paid in full.


I'm ready to tell her it's unpaid and without payment I cannot provide services and that she needs to pay by cash or check from now on.

I had issues with some cards recently, but I process them in person... I refuse to invoice. If a card payment is done in person & card isn't good it cancels/voids immediately on both ends - I then just ask for a different card (I have the chip reader). All my parents know that fees are due no later than a certain day (most are monthly pay)... perhaps have her swipe a card in person on her last pick up day instead of invoicing? It doesn't require entering the zip that way either & come Friday you have the $ in bank instead of getting it Monday or Tuesday

[daycarediva]

I had issues with some cards recently, but I process them in person... I refuse to invoice. If a card payment is done in person & card isn't good it cancels/voids immediately on both ends - I then just ask for a different card (I have the chip reader). All my parents know that fees are due no later than a certain day (most are monthly pay)... perhaps have her swipe a card in person on her last pick up day instead of invoicing? It doesn't require entering the zip that way either & come Friday you have the $ in bank instead of getting it Monday or Tuesday

My cc processor ALWAYS requires a zip- this was definitely a different situation. Dcm was supposed to be out early but had a work emergency- she arranged alternate pickup so kids would be picked up on time AND sent me an email to arrange alternate payment (invoicing).

[daycarediva]

Well that's not good. Maybe tell her you need cash or check while the whole CC thing gets straightened out? If she's maxed out her limit I think I'd require cash.

This is what I did, I just told her that I will need cash or a check today, I waived the late fee as a one time courtesy since she obviously made multiple attempts at payment. UGH.

[LysesKids]

My cc processor ALWAYS requires a zip- this was definitely a different situation. Dcm was supposed to be out early but had a work emergency- she arranged alternate pickup so kids would be picked up on time AND sent me an email to arrange alternate payment (invoicing).

I use Square... I've never had to enter a zip; I assume you can take cc in person? I upgraded to the chip reader because of the new laws; they cover small businesses too - I so don't want to be on the wrong end of the deal if a card gets hacked ya know what I mean.