i had a thread on this a few months ago, but it's official now. the Intuit is shutting down and everyone has to move to their new system - merchant payment service.
http://support.quickbooks.intuit.com/support/artic...
i spent 30 mins with the rep on the phone and here are the details as I SEE THEM:
- tenants can't just log in and pay unless they receive an invoice that has a clickable link
- you can't send an invoice with a link if you do not have quickbooks (online or desktop)
- quickbooks costs $13 per month
- $.50 per transaction still applies.
i am upset because not only i have to learn quickbooks, but because the tenants have to get a clickable link from me. as of now, i NEVER send out invoices. . in addition, there;s a $13 per month charge.
Like you guys, I received the notice that IPN is shutting down and have been researching on different services to use. I'm a commercial landlord and rent to businesses. Some of the businesses who are regional or national will send me checks from their corporate office. However, I have other businesses who are mom&pops and I have been using IPN for them. To add my experience in speaking with Intuit CSR:
- Intuit Payment Network is completely going away
- The last date to submit a request for payment is 5/31. It is completely shutting down 6/30.
- To use their new service einvoice, you have to have either Quickbooks Online or Quickbooks Desktop 2015/2016. Any earlier version of Quickbooks will not have the einvoice feature (I happen to use 2014)
- Einvoicing will not allow you send people money, only receive. Unfortunately I used IPN to sent money to some vendors/contractors.
- While they don't admit it, the trend is moving to Online and likely fading out Desktop.
This is my research into potential replacements (research only, no actual experience):
DWOLLA - looked promising, very similar to IPN, however recently got fined for lacking proper security measures. To sign up with them requires both myself and tenant submit sensitive information like SSN/TIN and bank/routing. This was a deal breaker.
Erentpayment - $3 per transfer. Too expensive. Loads of other features I don't use. I rather just have tenants mail me a check in that regards.
Cozy.co - Too new. Still seem to be working out kinks. ACH transfer time too slow. I'll give them a few years to standardize and mature.
As I have commercial tenants, most of the sites set up for residential tenants don't really work for me. I don't need their credit/background checks, leases, etc. I just need a way for ACH payment. I looked into Chase in the past, and it seemed to have a limit (I remember $5000). Unfortunately, some of my tenant's rent are above this.
Alas, I decided to just shell out the money to update to Quickbooks Desktop 2016 to use their einvoicing. I am certainly aware that in 2-3 years, Intuit is somehow going to make me pay again. Hopefully by that time, there will be a better viable option to switch to.
Of note:
If anyone is wondering, Quickbooks Online will allow one Tax ID Number per account. That means if you want to maintain separate books and have 2 LLC's, you need 2 accounts. Yes, that's a ripoff. That's why I'm sticking with the Desktop, which is 1 user license, but with it, I can create as many accounts/files as I want. But again, wouldn't be surprised if in 2-3 years, they are discontinuing desktop support.
@George P. many people (including myself) agree with your post. I just want a top notch payment system. I saw all the other fluff&stuff too... and put cozy on hold until I get a better handle on if that is the better alternative. @Rick S., you have a window of opportunity if you can do a monthly service vs. a $3/transaction. You'll probably get all of IPN customers, at least the ones on BP. We have 30 or so using IPN. George has a bunch... and there are several others I know of personally with 10+ using IPN. I don't know your volume, but you seem to be in for the long haul and could certainly pick up business.
Thanks Chris as we definitely see a huge opportunity so we will be working on the monthly option as soon as we finish up the two new features we are currently working on. We understand that $3 isn't as affordable for higher volume so the monthly plan should address that as that was already on our roadmap even before the IPN change. We will definitely keep this forum updated with our progress. Thanks again!
@Greg D. THANK YOU for the request - - I'm getting senile and the comment is inaccurate.
[CA Civil Code §1962 et seq.]
Any owner of a residential rental or individual signing a rental agreement on behalf of the owner shall include in the agreement the name, telephone number, and usual street address where personal service of process may be made on that owner, or anyone who is authorized to act on behalf of that owner, as well as the name, telephone number and address of the person to whom rent shall be paid, and in what form rent should be paid.
If rent payments may be made personally, the agreement shall include the days and hours that someone will be available to receive the payment. The owner has the option of establishing an account at a financial institution to which rent can be paid, provided the institution is within five miles of the property. If the owner chooses this option, he/she must disclose in the agreement the name and address of the institution, as well as information on how to establish an electronic funds transfer procedure for paying the rent.
There is also CA 1947.3 that is specific to California that doesn't allow you to require online payments:
http://articles.latimes.com/2013/jun/21/business/la-fi-rentwatch-20130623
This is all CA specific. Any national code or is this all handled at the state level?
Hi Greg, I have only heard of CA having the restriction on requiring just online payments and I am not aware of a national rule as it is likely at the state level, if it exists.
Hey Guys, This should help set the record straight regarding payment methods:
There's no "federal" discrimination law prohibiting that you can't specify the payment method. Federally protected classes are limited to: Race, Color, Religion, Sex, Familial status, National Origin, or Disability.
Many states (like California) have added other protected classes, such as "source or income" but that just means you can discriminate based on where they get their money, not how they pay.
As was mentioned above, the CA code reference is 1947.3, says "a landlord or a landlord's agent shall allow a tenant to pay rent and deposit of security by at least one form of payment that is neither cash nor electronic funds transfer." It doesn't prohibit online payments, just that you have to allow an additional form if they prefer it. http://www.leginfo.ca.gov/cgi-bin/displaycode?sect...
Hey Guys, This should help set the record straight regarding payment methods:
There's no "federal" discrimination law prohibiting that you can't specify the payment method. Federally protected classes are limited to: Race, Color, Religion, Sex, Familial status, National Origin, or Disability.
Many states (like California) have added other protected classes, such as "source or income" but that just means you can discriminate based on where they get their money, not how they pay.
As was mentioned above, the CA code reference is 1947.3, says "a landlord or a landlord's agent shall allow a tenant to pay rent and deposit of security by at least one form of payment that is neither cash nor electronic funds transfer." It doesn't prohibit online payments, just that you have to allow an additional form if they prefer it. http://www.leginfo.ca.gov/cgi-bin/displaycode?sect...
Thanks Lucas!
Hey JR! I just wanted to chime in to let you know that Cozy reports payments processed to the IRS only if you meet the following criteria in a calendar year:
Why is this? IPN didn't, as far as I know, report anything to the IRS. And what form? We've done over $20K through IPN already in 2016. Not sure I get why this is in place for cozy.
@Jeff Bridges Yes it is but not in the near future.
I get so many email - that Intuit is getting rid of the QuickBooks Pro, Premier PC desktop version. It is not, at least not for couple years. Intuit is working on the online version and adding new features every couple months. But it is not yet ready for Rentals.
As for Flips yes and no - depending on what details you would like to track.
IPN (Intuit Payment Network) is shutting down in the near future, unless you buy their software that has an alternative payment method. The email I received says:
"...We've recently updated our invoice payment options and will soon discontinue Intuit PaymentNetwork (IPN)."
The title of the email is "Service for Intuit PaymentNetwork ends May 31, 2016"
"soon" == "near future". 5/31/16 is soon.
Hey Chris,
The form is a 1099-K -- you can find more details about that here: https://www.irs.gov/uac/Form-1099-K,-Merchant-Card...
I can't say why IPN doesn't report payments to the IRS, but Cozy does so in compliance with the IRS's guidelines.
I understand the reporting only applies if BOTH of the criteria are met (The 20K and 200 transactions). Still, if both are met, it is not a requirement. It is optional. I understand it is only required when goods are sold that meet those two criteria (that's why PayPal does this too as they report from eBay). Cozy may consider selling leases and background checks as goods.
I am sure the feds want to track all person to person activities to catch terrorist groups from supporting anti capitalism actions. that's why they have implemented these rules.
if I was to start a company that accepts payments, I'd want to make it easier on the users, not more cumbersome. does cozy have just the basic, water down feature for just collecting rent.... without all the "bells and whistles" which Noone cares about?
To everybody citing fair housing law you're assuming that someone is forcing someone to do something they don't want to do.
You can ask a tenant to pay you in $1 bills hand delivered only on a Tuesday, meeting you in McDonalds every month, each folded in half and numbered with yellow post it notes with their name on each one if you want. If the tenant says yes laws aren't involved between you and a tenant who agrees and couldn't careless.
Run your business like a business, treat your tenants like customers and ask the right way and you can have your customers operate in ways that make your life easier.
There is a big difference from :
"Hey, Moron, tomorrow you start paying me with ACH GOT IT D-bag?"
and
"Hey, just wanted to check in with you, it's been awhile since we've talked is everything going well with the unit? Anything needing any attention? No, Great, hey by the way we are going to implement a new payment system that is going to make things so much easier for everyone, especially you guys, it's paying by ACH, have you heard of it? let me tell you about it..."
@Jeff Bridges Yes it is but not in the near future.
I get so many email - that Intuit is getting rid of the QuickBooks Pro, Premier PC desktop version. It is not, at least not for couple years. Intuit is working on the online version and adding new features every couple months. But it is not yet ready for Rentals.
As for Flips yes and no - depending on what details you would like to track.
IPN (Intuit Payment Network) is shutting down in the near future, unless you buy their software that has an alternative payment method. The email I received says:
"...We've recently updated our invoice payment options and will soon discontinue Intuit PaymentNetwork (IPN)."
The title of the email is "Service for Intuit PaymentNetwork ends May 31, 2016"
"soon" == "near future". 5/31/16 is soon.
this is what I am talking about... they told me 6.30 they told you 5.31. stupid intuit communication. happens every time I talk to them.
Hey Chris,
The form is a 1099-K -- you can find more details about that here: https://www.irs.gov/uac/Form-1099-K,-Merchant-Card...
I can't say why IPN doesn't report payments to the IRS, but Cozy does so in compliance with the IRS's guidelines.
So are you not an ACH payment processor???? Sorry, I'm totally baffled.
Ok now I believe this is happening.
I read all this and it seems like if you use a desktop version of quickbooks (a very non-intuitive program) upgraded to the 2016 version and then you can keep automating the billing. If you have to send them that invoice from quickbooks I have a few tenants who will be challenged by the whole thing. The upside is the cost remains unchanged.....for the moment. The advantage over venmo though may be that you might set it and forget it. I am not positive on that I guess you have to open you software.
I have never been able to figure how to just autopay someone monthly in venmo so i imagine billing is not recurring either.
I just don't like if the tenants set it up from their end some banks ACH is like a week... Never checked cozy out for processing time.
I don't mind more functionality but really a simple is best.
I understand the reporting only applies if BOTH of the criteria are met (The 20K and 200 transactions). Still, if both are met, it is not a requirement. It is optional. I understand it is only required when goods are sold that meet those two criteria (that's why PayPal does this too as they report from eBay). Cozy may consider selling leases and background checks as goods.
Yes, I agree. But cozy advertises itself as using ACH for rent payments. They (cozy) are reading the regulations differently than I am. PayPal has an account and money goes into your PayPal account. That money may sit there for 2 weeks. When you make purchases, vendors get paid through your account not via ACH. eRentPayment and IPN operate via ACH and payments from your tenants don't land in an account owned by eRentPayment or Intuit.
There is no need for 1099 filing for ACH providers like eRentPayment and IPN as they currently implement their services.
Specifically, from https://www.law.cornell.edu/cfr/text/26/1.6050W-1
(e) Examples. The following examples illustrate the provisions of this section: ...
Example 3. Automated clearinghouse network.
A operates an automated clearinghouse (“ACH”) network that merely processes electronic payments (such as wire transfers, electronic checks, and direct deposit payments) between buyers and sellers. There are no contractual agreements between A and the sellers for the purpose of permitting the sellers to use the ACH network. Thus, A is not a third party settlement organization under paragraph (c)(2) of this section, the ACH network is not a third party payment network under paragraph (c)(3) of this section, and the electronic payment transactions are not third party network transactions under paragraph (c)(1) of this section. A is not required to file the annual information return required under paragraph (a)(1) of this section.
Example 4. ACH processor.B provides a variety of ACH payment processing services to a large number of merchants, such as converting checks received in payment of bills into ACH transactions. B groups payment transactions into an ACH file and transmits the ACH file into the ACH network on behalf of merchants in order to initiate payment to merchants through the ACH network. B makes payments to the merchants after the ACH network verifies that the customers' accounts have sufficient funds. Because the ACH network is not a third party payment network under paragraph (c)(3) of this section, B cannot be a third party settlement organization with respect to the ACH network. Similarly, because the ACH itself is not a third party settlement organization under paragraph (c)(2) of this section, B cannot be an electronic payment facilitator because B is not acting on behalf of a payment settlement entity. However, B may itself be operating third party payment network under paragraph (c)(3) of this section if B has a separate agreement or arrangement that: involves the establishment of accounts with B by a substantial number of unrelated merchants who provide goods or services and have agreed to settle transactions for the provision of the goods or services pursuant to the agreement or arrangement; provides for standards and mechanisms for settling the transactions; and guarantees persons providing goods or services pursuant to such agreement or arrangement that these persons will be paid for providing such goods or services.
@Colleen F.- Just a heads up on Venmo, I was told I couldn't use them to charge rent (or any other business to consumer application) see this link:
https://help.venmo.com/hc/en-us/articles/210413987...
Also, even if you are able to use them, they have a weekly limit on the amount you are allowed to transfer from their system to your bank ($1000, then $2999 once verified), and also an initial limit of what your tenants are able to transfer to you ($300/weekly which I think they can increase)- neither of those limits would have worked for our business.
I understand the reporting only applies if BOTH of the criteria are met (The 20K and 200 transactions). Still, if both are met, it is not a requirement. It is optional. I understand it is only required when goods are sold that meet those two criteria (that's why PayPal does this too as they report from eBay). Cozy may consider selling leases and background checks as goods.
Yes, I agree. But cozy advertises itself as using ACH for rent payments. They (cozy) are reading the regulations differently than I am. PayPal has an account and money goes into your PayPal account. That money may sit there for 2 weeks. When you make purchases, vendors get paid through your account not via ACH. eRentPayment and IPN operate via ACH and payments from your tenants don't land in an account owned by eRentPayment or Intuit.
There is no need for 1099 filing for ACH providers like eRentPayment and IPN as they currently implement their services.
Specifically, from https://www.law.cornell.edu/cfr/text/26/1.6050W-1
(e) Examples. The following examples illustrate the provisions of this section: ...
Example 3. Automated clearinghouse network.
A operates an automated clearinghouse (“ACH”) network that merely processes electronic payments (such as wire transfers, electronic checks, and direct deposit payments) between buyers and sellers. There are no contractual agreements between A and the sellers for the purpose of permitting the sellers to use the ACH network. Thus, A is not a third party settlement organization under paragraph (c)(2) of this section, the ACH network is not a third party payment network under paragraph (c)(3) of this section, and the electronic payment transactions are not third party network transactions under paragraph (c)(1) of this section. A is not required to file the annual information return required under paragraph (a)(1) of this section.
Example 4. ACH processor.
B provides a variety of ACH payment processing services to a large number of merchants, such as converting checks received in payment of bills into ACH transactions. B groups payment transactions into an ACH file and transmits the ACH file into the ACH network on behalf of merchants in order to initiate payment to merchants through the ACH network. B makes payments to the merchants after the ACH network verifies that the customers' accounts have sufficient funds. Because the ACH network is not a third party payment network under paragraph (c)(3) of this section, B cannot be a third party settlement organization with respect to the ACH network. Similarly, because the ACH itself is not a third party settlement organization under paragraph (c)(2) of this section, B cannot be an electronic payment facilitator because B is not acting on behalf of a payment settlement entity. However, B may itself be operating third party payment network under paragraph (c)(3) of this section if B has a separate agreement or arrangement that: involves the establishment of accounts with B by a substantial number of unrelated merchants who provide goods or services and have agreed to settle transactions for the provision of the goods or services pursuant to the agreement or arrangement; provides for standards and mechanisms for settling the transactions; and guarantees persons providing goods or services pursuant to such agreement or arrangement that these persons will be paid for providing such goods or services.
The very reason Cozy is submitting the 1099K forms now may be an indication that they have future plans or expansion plans to offer some kind of new platform (selling a new product) that will fall under the MUST FILE requirement, Yes, ACH sweeps should not be a requirement but who knows what they have in mind....
I understand the reporting only applies if BOTH of the criteria are met (The 20K and 200 transactions). Still, if both are met, it is not a requirement. It is optional. I understand it is only required when goods are sold that meet those two criteria (that's why PayPal does this too as they report from eBay). Cozy may consider selling leases and background checks as goods.
Yes, I agree. But cozy advertises itself as using ACH for rent payments. They (cozy) are reading the regulations differently than I am. PayPal has an account and money goes into your PayPal account. That money may sit there for 2 weeks. When you make purchases, vendors get paid through your account not via ACH. eRentPayment and IPN operate via ACH and payments from your tenants don't land in an account owned by eRentPayment or Intuit.
There is no need for 1099 filing for ACH providers like eRentPayment and IPN as they currently implement their services.
Specifically, from https://www.law.cornell.edu/cfr/text/26/1.6050W-1
(e) Examples. The following examples illustrate the provisions of this section: ...
Example 3. Automated clearinghouse network.
A operates an automated clearinghouse (“ACH”) network that merely processes electronic payments (such as wire transfers, electronic checks, and direct deposit payments) between buyers and sellers. There are no contractual agreements between A and the sellers for the purpose of permitting the sellers to use the ACH network. Thus, A is not a third party settlement organization under paragraph (c)(2) of this section, the ACH network is not a third party payment network under paragraph (c)(3) of this section, and the electronic payment transactions are not third party network transactions under paragraph (c)(1) of this section. A is not required to file the annual information return required under paragraph (a)(1) of this section.
Example 4. ACH processor.
B provides a variety of ACH payment processing services to a large number of merchants, such as converting checks received in payment of bills into ACH transactions. B groups payment transactions into an ACH file and transmits the ACH file into the ACH network on behalf of merchants in order to initiate payment to merchants through the ACH network. B makes payments to the merchants after the ACH network verifies that the customers' accounts have sufficient funds. Because the ACH network is not a third party payment network under paragraph (c)(3) of this section, B cannot be a third party settlement organization with respect to the ACH network. Similarly, because the ACH itself is not a third party settlement organization under paragraph (c)(2) of this section, B cannot be an electronic payment facilitator because B is not acting on behalf of a payment settlement entity. However, B may itself be operating third party payment network under paragraph (c)(3) of this section if B has a separate agreement or arrangement that: involves the establishment of accounts with B by a substantial number of unrelated merchants who provide goods or services and have agreed to settle transactions for the provision of the goods or services pursuant to the agreement or arrangement; provides for standards and mechanisms for settling the transactions; and guarantees persons providing goods or services pursuant to such agreement or arrangement that these persons will be paid for providing such goods or services.
Thanks Chris as we read the rules the same way since it is a transfer of funds, not a buyer/seller transaction. If a tenant submitted a Security Deposit or Utility reimbursement and that was reported as income to the property owner not sure how that would be handled.
Sorry - should have dug dipper.
ok, i think i have the answer for this (at least for me).
i just spend 1 hr with Chase and here's what i found:
- no fee business account if you have over $1,500 in there.
- checking good for 200 transactions per month
- max cash deposits is 7.5k
- Chase Quickpay allows anyone to pay if you or they have chase account
- quickpay no limit for receiving money
- they also have Deposit cards that cost nothing and i can give out for them to deposit
- quickpay works by them paying to an Email, like Intuit used to
https://www.chase.com/business-banking/business-ch...
i will be opening an account with them next week. i used to have an account with them years ago but didn't like that they charged monthly fees.
sorry cozy, but i will go to great lengths to make it easier on me for the future. keeping it simple in 2016 is a good thing, that wins you customers. the last thing i have time for is entering tenants' info and waiting for them to "accept" the invitation from cozy. that's just crazy.
anyway, will update it again when i try a few transactions.
ok, so i opened the chase account about 2 weeks ago.
1. chase has a check deposit through the phone limit of 2k at the beginning. but then that increases to 10k for business accounts, i believe. i was told it takes around 60 days. i never need more than 3k per month to deposit via phone app
2. chase wont work for security deposit MOVE IN. their limit for ANYONE paying you is 2k. so, if 1.5x rent is greater than 2k, they have to give you a cashier's check/money order. i wish that would change
3. so far, i like it a lot. there are limits, but even with our 30, i think we can make it work.
we created a "welcome to chase quickpay" letter, which will be sent out to our tenants. it's more work on our part, but worth it.
i took about a week to transfer all current payments away from the bank i use now and CHASE. i want chase to be my main bank for everything in the future. let's hope i dont have to go through this painful exercise again in 12 months.
ok, i think i have the answer for this (at least for me).
i just spend 1 hr with Chase and here's what i found:
- no fee business account if you have over $1,500 in there.
- checking good for 200 transactions per month
- max cash deposits is 7.5k
- Chase Quickpay allows anyone to pay if you or they have chase account
- quickpay no limit for receiving money
- they also have Deposit cards that cost nothing and i can give out for them to deposit
- quickpay works by them paying to an Email, like Intuit used to
https://www.chase.com/business-banking/business-ch...
i will be opening an account with them next week. i used to have an account with them years ago but didn't like that they charged monthly fees.
sorry cozy, but i will go to great lengths to make it easier on me for the future. keeping it simple in 2016 is a good thing, that wins you customers. the last thing i have time for is entering tenants' info and waiting for them to "accept" the invitation from cozy. that's just crazy.
anyway, will update it again when i try a few transactions.
George, I have BIG interest in your pain points! Cozy follows a industry standard with the invitation and from what I read they have 120,000 renters who made the on boarding step you see as too difficult. George, would it be easier if you could on board the tenant yourself?
ok, i think i have the answer for this (at least for me).
i just spend 1 hr with Chase and here's what i found:
- no fee business account if you have over $1,500 in there.
- checking good for 200 transactions per month
- max cash deposits is 7.5k
- Chase Quickpay allows anyone to pay if you or they have chase account
- quickpay no limit for receiving money
- they also have Deposit cards that cost nothing and i can give out for them to deposit
- quickpay works by them paying to an Email, like Intuit used to
https://www.chase.com/business-banking/business-ch...
i will be opening an account with them next week. i used to have an account with them years ago but didn't like that they charged monthly fees.
sorry cozy, but i will go to great lengths to make it easier on me for the future. keeping it simple in 2016 is a good thing, that wins you customers. the last thing i have time for is entering tenants' info and waiting for them to "accept" the invitation from cozy. that's just crazy.
anyway, will update it again when i try a few transactions.
George, I have BIG interest in your pain points! Cozy follows a industry standard with the invitation and from what I read they have 120,000 renters who made the on boarding step you see as too difficult. George, would it be easier if you could on board the tenant yourself?
not sure what that "invitation industry standard" is, but Intuit didn't have it. William paid didn't have it. Quick pay doesn't have it.
I dont want to feel like i am in Linkedin where people "send an invite and i ignore it cause it's a nuisance". I do NOT want to hear "oh, i never go an invite, so I never paid my rent.
with the new system i am starting with, QuickPay, i am sending them an email, followed up with a text so they open that email and again 5 days before rent is due i will text them. the email will say "we are changing to quickpay, forget intuit, go here and pay". and in that letter, i have videos of how to sign up, i have a PDF they can print, and i have links to the people that already have chase or a new to chase.
This way, i am not "extending my hand to shake someone's hand if there's no hand on the other side".
is that helpful?
ok, i think i have the answer for this (at least for me).
i just spend 1 hr with Chase and here's what i found:
- no fee business account if you have over $1,500 in there.
- checking good for 200 transactions per month
- max cash deposits is 7.5k
- Chase Quickpay allows anyone to pay if you or they have chase account
- quickpay no limit for receiving money
- they also have Deposit cards that cost nothing and i can give out for them to deposit
- quickpay works by them paying to an Email, like Intuit used to
https://www.chase.com/business-banking/business-ch...
i will be opening an account with them next week. i used to have an account with them years ago but didn't like that they charged monthly fees.
sorry cozy, but i will go to great lengths to make it easier on me for the future. keeping it simple in 2016 is a good thing, that wins you customers. the last thing i have time for is entering tenants' info and waiting for them to "accept" the invitation from cozy. that's just crazy.
anyway, will update it again when i try a few transactions.
George, I have BIG interest in your pain points! Cozy follows a industry standard with the invitation and from what I read they have 120,000 renters who made the on boarding step you see as too difficult. George, would it be easier if you could on board the tenant yourself?
not sure what that "invitation industry standard" is, but Intuit didn't have it. William paid didn't have it. Quick pay doesn't have it.
I dont want to feel like i am in Linkedin where people "send an invite and i ignore it cause it's a nuisance". I do NOT want to hear "oh, i never go an invite, so I never paid my rent.
with the new system i am starting with, QuickPay, i am sending them an email, followed up with a text so they open that email and again 5 days before rent is due i will text them. the email will say "we are changing to quickpay, forget intuit, go here and pay". and in that letter, i have videos of how to sign up, i have a PDF they can print, and i have links to the people that already have chase or a new to chase.
This way, i am not "extending my hand to shake someone's hand if there's no hand on the other side".
is that helpful?
All of what you wrote is helpful George, Thank-you! Solution architects need all the feedback we can get!