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Old 08-30-2013, 07:37 PM   #41
Join Date: Apr 2013
Location: Wetaskiwin, Alberta
Trailer: 2014 Escape 21
Posts: 75
Originally Posted by JaneM. View Post
Pity, but understandable. however, depending on the credit card fees, it still might be worth it. If the customer pays the fees Escape is charged (again depending on what they are) and has a 1.5% cash back credit card with no foreign transaction fees, it might be cost effective. One would have to check the numbers.
Let me help with the numbers. The kind of card that would give cash-back or other perks to the purchaser would have fees in the 2 to 3% range for the merchant, and some new premium cards are being proposed that will be even higher.

Secondly, the Merchant Agreement forbids a merchant to charge a customer more when paying by credit card than by any other form of payment (I'd love to give my customers a 2% discount for cash/debit cards, but alas, I cannot).

Thirdly, in my experience, credit cards tend to not give very favourable exchange rates.

You're free to ask but I think there are better ways to pay.

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Old 08-30-2013, 08:00 PM   #42
Senior Member
Join Date: Aug 2012
Location: N/A, Indiana
Trailer: Escape
Posts: 979
We followed TECHFAN'S advise.
Contact escape trailer and Tammy or Kim will e-mail you the wire transfer instructions (the bank was impressed with the complete info). Contact you bank ('s) to determine if they are willing and the wire transfer cost if any (usually $45).
Monitor this link to determine the USD to CAD value:
XE: (USD/CAD) US Dollar to Canadian Dollar Rate
If the 1$ USD = $1.015 CAD the exchange cost is not at a loss and equals the transfer expenditure. If the CAD is above $1.015 you will gain CAD dollars.
E.g. We sent $25,000 USD when the exchange rate was $1.03 and we gained $389.58 CAD dollars toward payment of the Escape trailer after the 0.015 transfer cost was deducted.
So the cost of the wire transfer is the expenditure for the service at your bank and the 0.015 currency transfer cost. Set this up with your bank in advance so you can make the transfer as soon as the exchange rate is in your favor.

"Never argue with an idiot. They only bring you down to their level and beat you with experience." George Carlin
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