How Easy Is It to Pay You?

How many payment options do you offer? Consumers expect payment to be easy and convenient, so I accept credit and debit cards, cash, checks and PayPal in my practice. Last month, 74% of my sales were from credit/debit cards, 25% from checks (my long-time clients still pay with checks) and 1% from cash. Not every month breaks down exactly like this, but the majority of my sales are consistently from credit and debit cards. The pros and cons of accepting credit cards in my business are:


  • client convenience
  • increased sales
  • less bank runs
  • guaranteed payment at time of service (clients may not carry cash or checks, but they always have a card)


  • learning processing app/software
  • processing fees
  • one to two day deposit delaywelcome.hands

I think choosing not to accept credit cards can deter potential clients. I recommended a friend of mine to a client and his second question (after asking her location) was, “Does she take credit cards?” In my experience, the increase in sales
far outweighs the deductible business expense of processing fees (last month, processing fees accounted for 10% of my total expenses). Flexible spending accounts (FSA’s) offered by employers are basically a prepaid debit card, which creates a whole new marketing strategy. I use CellCharge to process credit cards because it’s an ABMP affiliate, but there are numerous options that allow you to accept credit and debit cards on a mobile device (goodbye expensive terminals!).

Of course, not everyone wants to pay for massage with plastic, so I also accept cash and checks. A hard lesson I learned early on is to ALWAYS have change for cash-paying clients. A client paid in cashCredit-card-vs-Cash-300x228 and I owed him $10. He didn’t offer it as a tip and I didn’t have change. The tanning salon I rented space from didn’t have change either (obviously, most of their clients were using credit cards). I told him he could apply it as a credit to his next session, and even sent him a few postcards reminding him of that (in hindsight, I should have mailed him a check). I never saw him again. Now I ALWAYS have $50 in change on hand (ones, fives and tens) just in case.

I don’t have many clients who use PayPal, but it’s a nice option to have in case they forget their wallet or want to “pay online.” The only requirements are that they have a PayPal account and know my email address. Payment goes to my PayPal account, which I then transfer to my bank account (this can take up to five business days and has processing fees).


I believe (I just got a Bill Envall déjà vu) paying for massage should be as easy as possible. I offer a service that improves my clients’ lives, so why would I make paying for it a hassle? After all, I can’t create a massage practice that I love without them!

What payment options do you offer and how are they working? Please share your experience in the comments. Thank you!

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About deepheeling

I'm an ashiatsu barefoot deep tissue massage specialist dedicated to sharing my journey to creating a successful business that I love!
This entry was posted in Client Experience, Money and tagged , , . Bookmark the permalink.

2 Responses to How Easy Is It to Pay You?

  1. Stephanie Van Bogart says:

    Great Tips!!



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