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Something Black Barber shops need

learned my lesson bout those fuckin trackin devices

fuck using a credit card if i dont absolutely hav to



plus do u think a nigga will willingly cut n2 his profits to pay for use of that machine
once u get a merchant account all types of problems will pop up including I.R.S
 
Some barber shops do have a debit card machine/system, or at least the one in Durham, NC I used to go to when I was there living for a while for work. Some of them do now believe it or not or at least are starting to get up to speed on technology.

Yours Truly.....Professor
 
I don't know about a credit card or ATM - some ill stuff goes in the barbershop. All the barbershops were Safehouses when I grew up - one even had hoes in the back selling pussy and liquor.

One place got real slick and bought the whole building they were in and rented the apartments above it, opened a beauty shop/boutique/shoe store, sold food and groceries out the back entrance and had a pool hall chillout joint in the basement. Best thing they did was move the hand to hand drug dealers and got the crackheads off the street in broad daylight.
 
moblack said:
To have a fucking credit card machine. I swear to god I pass up a cut sometimes because I have no actual cash on me. It can't cost that much to add one right? If they was smart they''d let you swipe ya card for a cut n car wash. :yes:
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Yall niggas are living under a rock :smh:... my barbershop have a creditcard machine for several years now... Just yesteday I used my debit card... If you live in DC... go to Best Cuts on Georgia Ave across from howard university school of business... get wit the fuckin program yall
 
Cruise said:
I understand the so-called "convenience" argument for using a credit card, but...

that has to be one of the dumbest uses of bank credit there is.

You want to go to a bank, to get a loan, to get a haircut?
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Um credit cards use bank cards as well. Comes right out of your bank account...you didn't know that???:confused::confused:
 
I have credit card machines for my business. Your sales go through the roof when you have one.

Since some of my spots are outdoors, I uses the wireless machines that don't require a phone line (They uses GPS) and are pretty fast.

As for tips the guest can right in a tip, before or after the they pay. Every night when you "batch out" the cash goes into your account. Shits gravy, you have money in your account like clockwork.....
I see Barbers struggling to get change and shit sometimes because it's early. Running across the street to go get some change at the corner store...Fuck that.....

Barbers are stupid for not getting this...
 
Just to break thing down from a barbers standpoint. What would seem like a simple solution for you, would be a major headache for a barber. When you look at certain shops that offer cc payment, their barbers work on commission. Most barbers pay a booth rent to the shop owner which works out more in the barbers favor because we receive ALL our money, not a portion.

I tell people all the time, one difference between a barber and a dope boy is, the product being hustled and the pay scale. Another thing is, neither one of us really wants Uncle Sam all in our mix. I pay taxes on my businesses, but we all know the truth behind that.

It's not that difficult to keep $25-$30 bucks for pocket change, sure I keep money in the bank, but I refuse to walk around without cash on hand. I actually feel weird without money in my pocket. Besides, what I look like tryin to buy a Faygo and some starburst with a credit card? I'll pay more in interest than what I initially spent. :smh:
 
Drayonis said:
I have credit card machines for my business. Your sales go through the roof when you have one.

Since some of my spots are outdoors, I uses the wireless machines that don't require a phone line (They uses GPS) and are pretty fast.

As for tips the guest can right in a tip, before or after the they pay. Every night when you "batch out" the cash goes into your account. Shits gravy, you have money in your account like clockwork.....
I see Barbers struggling to get change and shit sometimes because it's early. Running across the street to go get some change at the corner store...Fuck that.....

Barbers are stupid for not getting this...
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Dray I feel you, but again, when you deal with barbers that pay booth rent(as most do) then you have to rely on the owner to pay each barber what they are owed, which could lead to all types of problems.
 
eliive said:
what I look like tryin to buy a Faygo and some starburst with a credit card?
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u kno i seen this chick buy a 2 liter faygo and some better made chips on a debit card.. I was like what in the hell you aint got 2.50 on you I keep that in change in my ash tray in the car lol...
 
My baber had one installed in his shop for maybe 2 months and took that shit out with the quickness. i remember him saying some shit like after a tranaction it takes 2-3 days for it to go through or some shit and since the other babers or hisslef wants to get paid that day it was too much work giving out the $$ then and having to wait to get reimbersed. Basically it wont worth all the trouble plus u gotta pay rental fee's, etc
 
Rukus said:
u kno i seen this chick buy a 2 liter faygo and some better made chips on a debit card.. I was like what in the hell you aint got 2.50 on you I keep that in change in my ash tray in the car lol...
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LOL...exactly, can you imagine getting a over-draft fee for buying some chips, a pop and a cigarillo?
 
Cruise said:
Actually, they do.

Bank of America was one ridiculous example of extending you credit, beyond your balance, and then hitting you with $35 overdraft fees on each purchase thereafter.

And, yes, the bank is giving you a "loan" on your bank account. Outrageous, isn't it?
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they not giving you a loan pimpin... the debit card is jsut a plastic check... and most checking accounts they give you some overdraft protection... but like you see if you go over what you have they are hitting you with a fee because its basically like bouncing a check...
 
Drayonis said:
I have credit card machines for my business. Your sales go through the roof when you have one.

Since some of my spots are outdoors, I uses the wireless machines that don't require a phone line (They uses GPS) and are pretty fast.

As for tips the guest can right in a tip, before or after the they pay. Every night when you "batch out" the cash goes into your account. Shits gravy, you have money in your account like clockwork.....
I see Barbers struggling to get change and shit sometimes because it's early. Running across the street to go get some change at the corner store...Fuck that.....

Barbers are stupid for not getting this...
Click to expand...

See I would patronize you on the boardwalk because I don't carry cash. If you hit me up for 20 bones and I aint had cash I'd keep walking.
 
Drayonis said:
Um credit cards use bank cards as well. Comes right out of your bank account...you didn't know that???:confused::confused:
Click to expand...

A credit card or debit card is not cash.

When you use a credit or debit card, you are using the credit of the bank to complete a transaction.

With a debit card, the loan is secured.
With a credit card, the loan is unsecured.

Either way, you are getting a loan everytime you use them.

The banks are intentionally confusing the issue so people do not understand what is actually happening. That way people are unwittingly lead to financial ruin.

All this easy credit (debit and credit cards) is going to crash and burn a business if the banks decide to restrict it.

Rukus said:
they not giving you a loan pimpin... the debit card is jsut a plastic check... and most checking accounts they give you some overdraft protection... but like you see if you go over what you have they are hitting you with a fee because its basically like bouncing a check...
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I see your point, but it is not quite like a check because payment processing is not handled the way checks are.

Checks are processed in different ways depending on the bank you use.

That is different with a debit card which is processed through Visa and Mastercard.

In other words, the bank has to establish a relationship with Visa/Mastercard. That right there makes it different from just a check.

You are using the credit of the bank when you use a debit or credit card, not just your own, like with a check.

Bank credit is a loan.
 
ballscout1 said:
They pay a fee to use credit cards. They could simply have an ATM installed.

Plus barbershops are cash business and most don't claim ALL the income.

It also probably won't work because you have the owner of the shop and most of the other barbers don't actually work for him. They rent a chair which makes them more or less independent contractors. A card machine would mean the money goes to the shop and they would have to rely on the barber to keep their money straight
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:yes::yes::yes::yes::yes:

cash businesses like barber shops, some tattoo joints, salons, etc., ALL thrive no matter what the economy is doing. mofos be claiming $28,000 in profits and pocketing close to 6 figures.

:yes:
 
eliive said:
Dray I feel you, but again, when you deal with barbers that pay booth rent(as most do) then you have to rely on the owner to pay each barber what they are owed, which could lead to all types of problems.
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Each individual barber should have one, or the shop could take it in, and baba could pay out weekly.

Or defer the credit card sales towards booth rent.
 
Cruise said:
A credit card or debit card is not cash.

When you use a credit or debit card, you are using the credit of the bank to complete a transaction.

You are using the credit of the bank when you use a debit or credit card, not just your own, like with a check.

Bank credit is a loan.
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Loans have interest. I've never seen interest attached to a debit card. When you use your bank card you have an option to use it as credit or debit. It's only a loan when you use it as credit.
 
ballscout1 said:
they pay a fee to use credit cards. They could simply have an atm installed.

Plus barbershops are cash business and most don't claim all the income.

it also probably won't work because you have the owner of the shop and most of the other barbers don't actually work for him. They rent a chair which makes them more or less independent contractors. A card machine would mean the money goes to the shop and they would have to rely on the barber to keep their money straight
Click to expand...

:):d:)
 
Drayonis said:
Loans have interest. I've never seen interest attached to a debit card. When you use your bank card you have an option to use it as credit or debit. It's only a loan when you use it as credit.
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If you are not using a check or cash, it is a loan.

With a debit card, two loans are made, simultaneously.

The bank makes a loan to you in the form of a Visa/Mastercard credit to pay the merchant. You make a loan to the bank from your account to cover the Visa/Mastercard credit.

The merchant does not actually get the credit until well after the transaction completes.

During that time, you no longer have access to the amount in your account, despite the merchant not having it either.

This is when you pay for your loan. It is the lost interest income before the merchant receives payment and when it is deducted from your account.

It is why banks want everyone using debit cards.
 
eliive said:
Just to break thing down from a barbers standpoint. What would seem like a simple solution for you, would be a major headache for a barber. When you look at certain shops that offer cc payment, their barbers work on commission. Most barbers pay a booth rent to the shop owner which works out more in the barbers favor because we receive ALL our money, not a portion.

I tell people all the time, one difference between a barber and a dope boy is, the product being hustled and the pay scale. Another thing is, neither one of us really wants Uncle Sam all in our mix. I pay taxes on my businesses, but we all know the truth behind that.

It's not that difficult to keep $25-$30 bucks for pocket change, sure I keep money in the bank, but I refuse to walk around without cash on hand. I actually feel weird without money in my pocket. Besides, what I look like tryin to buy a Faygo and some starburst with a credit card? I'll pay more in interest than what I initially spent. :smh:
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Coming from a barber in Atlanta ...real talk....give me my scrilla for reala!!!... Fuck cc's...y'all work for da man, not me lol...straight cash baby!!!
 
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crossovernegro said:
Shit, I just wish all shops made you take a number when you walk in. My old old old old barber used to do that, at least on really busy days, and it cut down on the confusion a lot. At the one I go to now, I gotta keep an eye on the door and remember who came in after me, and who was waiting when I got there.

Today, I got busy reading an article in magazine (ok...busted, actually I was looking at pictures of Kim and Kourtney Kardashian in bikinis in a mag) and I missed a a guy coming in... so when I was pretty sure it was my turn, we had a little standoff at the chair. I refused to back down, and luckily, although I didn't see him come in, I was pretty sure he wasn't i there when I came in, and finally the barber took my side :D
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im cool with my barber so i would just call his phone, tell him im comin in and if he has people waiting sometimes he jumps me ahead of everybody :cool:
 
Cruise said:
If you are not using a check or cash, it is a loan.

With a debit card, two loans are made, simultaneously.

The bank makes a loan to you in the form of a Visa/Mastercard credit to pay the merchant. You make a loan to the bank from your account to cover the Visa/Mastercard credit.

The merchant does not actually get the credit until well after the transaction completes.

During that time, you no longer have access to the amount in your account, despite the merchant not having it either.

This is when you pay for your loan. It is the lost interest income before the merchant receives payment and when it is deducted from your account.

It is why banks want everyone using debit cards.
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This dude is goin all out to prove his point.

What you say is true but it aint as complicated as when you first introduced your

point of view.

A lotta shit happens when I flip the light switch but its a simple task nonetheless.

The best answer here was just get a damn ATM machine.
 
eliive said:
Just to break thing down from a barbers standpoint. What would seem like a simple solution for you, would be a major headache for a barber. When you look at certain shops that offer cc payment, their barbers work on commission. Most barbers pay a booth rent to the shop owner which works out more in the barbers favor because we receive ALL our money, not a portion.

I tell people all the time, one difference between a barber and a dope boy is, the product being hustled and the pay scale. Another thing is, neither one of us really wants Uncle Sam all in our mix. I pay taxes on my businesses, but we all know the truth behind that.
Click to expand...

That's all true and the same was true of pretty much all businesses (especially mom & pops shot)....until competitors started accepting cc's and people started flocking to those establishments.

Now, it's highly likely that it won't infiltrate the barber industry significantly, but if it does then it would behoove you to get with the times.

eliive said:
Dray I feel you, but again, when you deal with barbers that pay booth rent(as most do) then you have to rely on the owner to pay each barber what they are owed, which could lead to all types of problems.
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That's a great, valid point. However, soon you'll be able to accept cc payments with your smartphone.

eliive said:
Besides, what I look like tryin to buy a Faygo and some starburst with a credit card? I'll pay more in interest than what I initially spent. :smh:
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You pay ZERO interest if you pay it off every month. I swipe all month and just make one lump sum payment at the end of the month. If you're good enough with money this works out to your benefit since most cards have some kind of reward program so you'll get points on purchases you would've made anyway. :yes:
 
Cruise said:
If you are not using a check or cash, it is a loan.

With a debit card, two loans are made, simultaneously.

The bank makes a loan to you in the form of a Visa/Mastercard credit to pay the merchant. You make a loan to the bank from your account to cover the Visa/Mastercard credit.

The merchant does not actually get the credit until well after the transaction completes.

During that time, you no longer have access to the amount in your account, despite the merchant not having it either.

This is when you pay for your loan. It is the lost interest income before the merchant receives payment and when it is deducted from your account.

It is why banks want everyone using debit cards.
Click to expand...


If that's the case, then why doesn't every debit transaction affect my credit? :hmm:


As to your question regarding why they have Visa or Mastercard.

There are currently three ways that debit card transactions are processed: online debit (also known as PIN debit), offline debit (also known as signature debit) and the Electronic Purse Card System.[3] It should be noted that one physical card can include the functions of an online debit card, an offline debit card and an electronic purse card.
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The online debit is the only one that instantly comes out of your account. The other two are backed by the CC companies.

http://en.wikipedia.org/wiki/Debit_card
 
Cruise said:
If you are not using a check or cash, it is a loan.

With a debit card, two loans are made, simultaneously.

The bank makes a loan to you in the form of a Visa/Mastercard credit to pay the merchant. You make a loan to the bank from your account to cover the Visa/Mastercard credit.

The merchant does not actually get the credit until well after the transaction completes.

During that time, you no longer have access to the amount in your account, despite the merchant not having it either.

This is when you pay for your loan. It is the lost interest income before the merchant receives payment and when it is deducted from your account.

It is why banks want everyone using debit cards.
Click to expand...
This nigga...Man, when I use my Debit card, its like cash, only I don't have to keep up with the fucking change. My bank don't charge me to use it. I don't give a damn if they make money off it. If I got $20 in my account, and I buy something for $10, then I got $10 left, just like I split a dub.
 
No they don't that's only going to raise the prices of the services.Plus barbers dont report their tips.
 

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