Bounced Check --> Declined Credit Card

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Discussion Overview

The thread discusses a situation involving a bounced check and a declined credit card payment for products already delivered to a customer. Participants share their thoughts on how to handle the situation, including suggestions for retrieving the products or securing payment.

Discussion Character

  • Opinion-based
  • Anecdotal
  • Debate/contested

Main Points Raised

  • One participant, identifying as a consultant, suggests giving the customer two choices: borrowing money from someone or having FedEx pick up the products.
  • Several participants agree with the idea of retrieving the products immediately rather than waiting for FedEx, expressing concerns about the customer potentially forgetting to put the items out for pickup.
  • Another participant shares their experience of planning to have the customer bring the products to an upcoming show, emphasizing the importance of getting the items back quickly.
  • One participant mentions that the customer has indicated they will either have cash or the products to return at the next show, highlighting the customer's apology and intent to resolve the situation.
  • Another participant notes that the customer should be on a cash-only basis moving forward, reflecting a cautious approach to future transactions.

Areas of Agreement / Disagreement

There is general agreement among participants on the need to retrieve the products quickly and concerns about trusting the customer to facilitate a FedEx pickup. However, there are varying opinions on the best approach to secure payment.

Contextual Notes

The discussion reflects personal experiences and opinions regarding handling payment issues in direct sales, particularly in situations involving bounced checks and declined credit cards.

Who May Find This Useful

Consultants facing similar payment issues or those interested in peer experiences related to customer transactions may find this discussion relevant.

dannyzmom
dannyzmom
Gold Member
Messages
9,271
ARGH

Had a great show early this month.
One guest paid with a check. I deposited checks, waited 3 days and submitted show.
After like 4-5 days I find out her check bounced.
Show has already been submitted.
I call HO and they say they can change her form of payment to credit card (get a cc # from her) and they'll credit the $ back to my PC Visa.
While in DC, host calls to say show has been delivered - all is well.
Yesterday evening I get a call from HO telling me her CC was declined.
Well...she already has her products!
I call her today - she says she doesn't get paid until July 3rd and has $12 to her name 'til then.
HO says I can have FedEx p/u her stuff or wait til July 3rd and have them re-run her card then - it's up to me.
What would you do?
 
Time to give the customer two choices:

1. She can borrow money from a family member or friend and give you cash.

2. FedEx can pick up the products and she can reorder when she has cash to give you.

I do not think you should spot her the money. There will be another excuse for her not to pay you when she gets paid.
 
Yep, what Lisa said.
 
Agreed with above. :)
 
You need to go there pyhsically and pick the stuff up. Tell her that she'll get them back on July 3rd when she can pay for them. If you feel wierd about it, tell her that she needs to put herself in your shoes and please try to understand.

GET THE PRODUCTS BACK RIGHT AWAY THOUGH> I wouldn't wait for Fedex to pick them up b/c she may "forget" to put them out.
 
  • Thread starter
  • #6
pampmomof3 said:
You need to go there pyhsically and pick the stuff up. Tell her that she'll get them back on July 3rd when she can pay for them. If you feel wierd about it, tell her that she needs to put herself in your shoes and please try to understand.

GET THE PRODUCTS BACK RIGHT AWAY THOUGH> I wouldn't wait for Fedex to pick them up b/c she may "forget" to put them out.
Click to expand...

She lives over an hour away - she is supposed to be coming to a show on Saturday so I will have her bring the items then.
 
I agree. Don't trust her to put those out for FedEx.
 
  • Thread starter
  • #8
bethcooks4u said:
I agree. Don't trust her to put those out for FedEx.
Click to expand...

Nor do I.
I will call her shortly and ask her to bring the products to Saturday's show.
 
  • Thread starter
  • #9
Update - I just called her and told her I need the cash or the products on Saturday and she assured me she'd bring one or the other. She said she is going to ask her son if she can borrow the $ from him and then pay him back on the 3rd when she gets paid. She apologized up & down, too. We'll see what happens Saturday...
 
dannyzmom said:
Update - I just called her and told her I need the cash or the products on Saturday and she assured me she'd bring one or the other. She said she is going to ask her son if she can borrow the $ from him and then pay him back on the 3rd when she gets paid. She apologized up & down, too. We'll see what happens Saturday...
Click to expand...

Does she live near the host? If she doesn't come or doesn't bring the products you could go over there and get them saving you some travel time and gas.
 
I agree with everyone. So she is coming to another show? She obviously has no money to order, right?
 
  • Thread starter
  • #12
She's coming to Satuirday's show. She said she will either have cash to pay for the order she currently has in her posession (will borrow $ from her son)...or she will have the products to give back to me so I can send them back to HO.

She will be on CASH ONLY status w/me from now on!!
 

Frequently Asked Questions

What should I do if I receive a bounced check or a declined credit card notification?

If you receive a bounced check or a declined credit card notification, the first step is to contact the customer to inform them of the issue. Politely ask if they would like to provide an alternative payment method, such as a different credit card or cash. Be sure to document all communications for your records.

Will I incur any fees for a bounced check or declined credit card?

Yes, you may incur fees from your bank for a bounced check, and some payment processors may charge fees for declined credit card transactions. It's important to check with your bank and payment processor to understand any potential charges you might face.

Can I still process an order if a customer's payment is declined?

No, you should not process an order if a customer's payment has been declined. It's essential to resolve the payment issue first before proceeding with the order fulfillment to avoid potential losses.

What are the best practices for handling bounced checks and declined credit cards?

Best practices include maintaining clear communication with the customer, offering alternative payment options, and keeping a record of all transactions and communications. Additionally, consider implementing a policy for handling such situations to streamline the process in the future.

How can I prevent bounced checks and declined credit cards in my direct sales business?

To prevent bounced checks and declined credit cards, consider accepting only secure payment methods, verifying customer payment information before processing, and setting clear payment terms. Educating customers about payment options and ensuring they have sufficient funds can also help reduce these occurrences.

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