Richard gets it. I need to get to your stage that is impressive!
Right so lots of what you guys does make sense. GoCardless is slower than good paying Bacs. The bank fees are much lower than GoCardless. You need to understand what is more important to each window cleaner though.
I have lots of savings in the bank, i am not desperate for the money. I can wait 7 days for the GoCardless money to clear, so time is not a problem. Also the fees are not a problem. Too me the fees are just another business expense. I was spending hours every week chasing payments, or trawling through bank statements to look for 100s of window cleaning payments for £10-£15 and manually updating our cleaner planner software. It takes atleast 2-3 hours of my time per week minimum. If i can save that time alone, then to me its worth it for paying the fees.
GoCardless to me, is more about the bigger picture. To all you one man bands it makes sense to not bother with GC, stick with cash and bank transfer etc.
I however don't work on the tools anymore. I have 2 vans out full time with staff. I dont want the hassle of having to tell my workers who still owes money, or who pays cash or who pays bacs, its just more effort and hassle overall.
If longterm i can get every customer on GoCardless then it means i can just send the lads out to do the jobs, no worrying about people paying cash, or bank transfer, it just makes the business function much more flawlessly and automatically.
One day i plan to either Franchise or Expand to around 5 vans, this is longterm in the future. So before then i want to eventually get every customer onto GoCardless.
Good paying customers its going to break my heart having to tell them GoCardless or GoElsewhere, but one day in the future i will have to do that for the longterm health of the business.
None of this matters if you are a one man band it wont make sense at all. If you have several vans on the road, or are expanding then you will know how problematic it becomes having multiple payment options and cashflow issues because of slow or late bacs payers.
I literally dont care how expensive GoCardless is for fees, i just want my business to run as smooth as possible