Navigating Credit Card Fees: Methods & Solutions For More Profit! (featuring Michelle Cook, CPA)

Hello, my friend. Welcome back to the Modern Hairstylists Podcast. In today's episode, we're going to be talking about processing fees, which I know is such a sexy topic. And, of course, I'm being sarcastic, but actually it seems to be, like, a pretty sexy topic within the industry, because I see tons of people talking about this in Facebook groups and communities.

I see all the time that there's this big discourse of whether or not you should pass along your processing fees to your clients, or how you can get around it, et cetera, et cetera. And I get it, because at the end of the year, you look at your profit and loss statement, you look at the number of, of money that you spent on processing fees, and you're like, "Shit, this is so annoying. This is coming right off the top of all my transactions, and I want to save some money here," and you want to protect your profit margin. So, I totally get that.

I'm excited to share with you the pros and cons of all the different methods, and how, um, stylists normally go about getting around the processing fees. Also going to be sharing with you an extremely simple solution to all of this problem to make this a thing that you don't even have to think about anymore, that is proven with math, and I'll give you examples, all the good things. And then, um, you're, of course, throughout this entire episode, going to get my opinion, and then you're gonna, we're gonna be talking about the client experience. And last, but very much not least, we're gonna have our resident CPA, Michelle Cook, come onto the podcast and share a little bit about, uh, the accountant side of things, and the bookkeeping, and also compliance, and things such as those.

Um, so this is going to be super important and helpful for you, my friend. Um, even if this isn't really something that you worry about right now, I think this will still give you more perspective when it comes to the client experience and your administrative decisions anyway, so make sure to stay tuned, and I hope that you enjoy this episode. Let's get into it. Let's go.

What's the tea, friend? My name's Hunter Donia, industry business educator for hairstylists, but my friends just call me Hunty. Whether it be growing your clientele, making more money, or automating and streamlining your systems, in the next 20 minutes or so, you'll be hearing realistic, actionable strategies to create a beautiful career for yourself behind the chair. So if you're ready to get into it, welcome to the Modern Hairstylist Podcast.

All right, so I want to start off from the top with consumer behavior and your client experience, and also what your clients actually think about this, right? So I was reading a business article, and they did a little bit of a survey and a study, and 78% of consumers across the board said that they believe that the business charging a surcharge for credit card processing is unfair. So 78% of your clients may think that doing this is unfair. Now, on the flip side of that, th- which I thought was interesting, was when it actually came to not just what the cl- uh, customer said, but what they actually did, like how they took action, was 85% of the consumers, actually when they were faced with having to check out, right, and there was a surcharge, 85% of them just paid it anyway, and they didn't lean into a different method.

They just used their card regardless, which I thought was fascinating. Now, when we look at these studies and this data, right, I am a big, firm believer in making sure that you're understanding where the data's coming from, and also, you know, there's certain audiences that are, are answering this and they're studied on. And these- this is a study that's across all industries across the board, right? So, um, I feel like what I'm about to say goes for the same sentiment of, uh, what I see a lot is, is people saying, like, "Oh, well, grocery stores raise their prices all the time, and they don't announce that they're raising their prices, so why should we?"

And the difference between a grocery store and you is that you and the, and the relationship that you build with clients is a lot more intimate. There's a lot more of built-up trust and importance around that, and it's a lot more risky to, um, ruin that trust. And so that's why it's so important that we take these decisions, and also the, the communication and the transparency with our clients a lot more seriously, because the way that a client looks at you and the way that a client treats a grocery store is a lot different. So this same data is probably, you know, across consumers that are going to grocery stores, pharmacies, um, traditional retail settings, right?

Versus with us, we have a unique circumstance, and I think that although maybe 85% of those people paid it anyway, it still is gonna leave a bad taste in their mouth. And when our clients are gonna be a little bit more critical of us when it comes to these things, I think that it's more important for us to take these things into consideration. And yeah, sure, those 85% of those people may have paid it in the moment, but are they gonna come back to see you? Something super important to think about.

I think what we want to make sure that we do is remove as many negative connotations about our, our, the convenience of our service as possible when it makes the most sense, um, especially when it's something as simple as this. Like w- to be, to remove this barrier is, is really simple, and there's so many ways to do that in a beautiful way, and I'm gonna show you the one perfect way to do this in this episode, but, you know, this could be the difference between your client deciding to, you know, choose a salon that's cheaper and a shorter commute. Truly, it can be, like, the tiny little last straw for people. So I-I-I think that you really want to take that into consideration when it comes to your client experience and when it comes to you deciding whether or not you want to pass this fee on to your clients.

So as far as charging the surcharge for the client goes, that's the client's side, like their perspective and the client experience, right? On the flip side of this as well for you, other things that you want to take into consideration are your local state laws and your county laws. Also, your credit card processing compliance terms and conditions as well, because sometimes, um, this is actually illegal to do. It's illegal sometimes in some states and some counties to pass this fee on to your customers, so you definitely want to take that into consideration.

And, you know, it may be legal where you are right now, but is it always gonna be legal in the future? I love staying proactive in those things, and normally if things are be- coming outlawed, um, in some states, it normally progresses and becomes bigger and bigger and bigger, and it is an indicator that, you know, the general consumer is in- not in favor of that type of behavior from businesses. So just something you want to think about, right? An ind- an indicator that this may not be a good idea for you.

So I think that those are the things that you want to take into consideration when it comes to passing on that fee to the client each transaction.So another method of how people try to get around processing fees is actually incentivizing bringing cash, eh, or, or paying in a different method versus a credit card. I don't love this. This is probably my least favorite way about going about this.

So what this would look like is, you would have, like, a cash price for everything, and then you would have a credit card price for everything. And this is, like, a interesting way of kind of getting around certain laws and compliance issues, because it's two different prices, versus you having one price in which there is a f- surcharge added on top of that. You know, I- I think that that can get a little bit risky when it comes to the legality of it, because it's like you're working on technicalities, right? Um, I also think that, uh, this causes some anxiety and issues for your client, because now they feel, uh, pressured and forced to have to go out of their way, go to an ATM to get cash out, to have to pay a lower price.

Um, I think for you in the back end, this is more difficult because now you're dealing with two different pricing things, and now your bookkeeping is gonna be more difficult because you're dealing with cash, you're dealing with checks, right? You may be dealing with Venmo, you may be dealing with another processor. And we'll be talking more about bookkeeping and the effects of this stuff with Michelle later in this episode, but I think that keeping things as clean as possible for your reporting is really important, and this can definitely mess things up, or make things harder and less organized for you, and spend, and make you spend a lot of time dealing with that. And your time is money, right?

Your time is so important, so the more time you can save, the better. And I just think that this can really leave a, a bad taste in your clients' mouth. I think this can make things really inconvenient for them, and feel th- make them feel pressured to do one or the other, especially if there's a fair bit of a range of, of gap with that price, I think it's, it would just be a little bit annoying. So that's just my personal opinion about this.

It's just another method. Um, I think the pro of this is that you're not seeing, like, another line item on your receipt, right? It's, like, ev- it's, like, very s- And it's very simple. Like, it's simple to understand.

Um, I think it's a little bit more easy to convince a client a- about this, and a little b- le- actually less annoying to the client than if you have that surcharge, right? So I think that's, like, a good pro to this. I still think that it is not as ... I think that it's still, like, my least favorite option out of all of these things.

That is, uh, the cash price versus the credit card price method about going about this. The other way, um, is simply encouraging cash, right? So this is like, you know, y- y- you're, you're s- you're not passing along the credit card fee, you don't have two different prices, but you just simply vocalize or communicate that you prefer cash payments or alternative payment methods versus bringing a card. Now, you know, this is probably my favorite out of all of these three about going about this.

I actually used to do this when I first opened up my suite, and it definitely helped. I mean, a lot of people started bringing cash instead of, uh, paying with card. The downside to this, though, is that you're making your clients feel, again, like a ... You're still making them feel pressured.

You're still making this an inconvenient process because ... And you're making them almost feel guilty, um, and apologetic. I, I, I felt like a lot of my clients felt really guilty when they didn't bring cash with them, and they felt, like, bad for me, and, and I ... And that's just, like, a negative experience for everybody involved, 'cause it makes me b- It puts me in an awkward position, puts them in an awkward position.

Um, th- again, they don't wanna, they don't wanna have to spend more time out of their day stopping at an ATM before they come to see me, right? They live busy lives. We all do nowadays. Who the hell goes to a bank anymore when you can do everything online, right?

So, I think that there's definitely downsides to this. On the flip side, I think the positive side is is there's not another line item. Um, it's a very genuine, open way of doing it. I think our clients want the best for us as small businesses the majority of the time if they respect us and recognize that.

And I think it's a very clean way about, uh, avoiding these things. The less cash, the better for me though, you know? The, the more organized and the more streamlined I can keep my business nowadays when it comes to, uh, my bookkeeping, the better, and so I prefer just no cash at all, personally. And that's why even, even though I do think that this is my favorite way about going about this out of the three I just shared, um, I still wouldn't do it.

Um, and I, and I just will just keep things clean across the board and not, uh, ask my clients to even worry about it at all. So, take all that in consideration, right? Those are, like, the three different methods and the ways people normally go about getting around this. What I like to do, my friend, is I would ra- I would so much rather you focus on, instead of protecting your profit margin with pennies and, like, trying to save, like, such a small amount, and worry about such a small, stupid thing that has risk of ruining your client experience and causing a lot of issues for you, I would rather you just focus on the long-term and the bigger vision, and things that have a lot more importance around them.

And I think that this very simple solution that I'm about to share with you can solve a lot of this for you, um, and make sure that you're protecting your profit margin, and you just don't have to worry about it anymore, right? I'd focus much more on, instead of how can I save money, I focus on how can I make more money. And I think that that's how most smart CEOs think about money in their business and their profit. So, the simple solution is raise your prices.

It is truly the simplest solution. Now, you may be saying, "Okay, Hunter, well, if I raise my prices, it's still off a percentage of how much I get charged for that credit card fee." Like, I have a f- Like, let's say, like, a s- a static 5% on all my services, so if I raise my prices, I'm just gonna get charged more credit card fees. Okay.

Get it. Cool. But let's do the math here, all right? I'm gonna give you a mathy example.

Stay with me. I know numbers can be tough sometimes, but stay with me. I'm gonna try to break this down as simply as possible. Let's say your haircut is a hundred bucks.

All right? Let's say your haircut's a hundred bucks. Let's say that your POS system charges you 5% on every one of your credit card transactions. All right?

So your haircut's a hundred bucks. Your client's ticket is a hundred bucks. You charge them a hundred bucks. They take 5% off the top, so that's five bucks, right?

That's $5. So then you're gonna profit $95 after paying that processing fee. So, that would be your haircut's a hundred bucks. Your processing fee is 5%.

You're, you'd pay five bucks in processing fees. You profit $95. Let's say you decided to raise your haircut price by $5. Just $5, right?

You raise your haircut price by $5.00. That's 105 bucks. They are going to ch- get checked out for 105 bucks.

You're still paying 5% on that. Your processing fee would be $5.25. Your profit would be $99.

75. So you increase your price five bucks, and before, your profit on that haircut would be $95. But now after that $5 price increase, your profit would be $99.75.

Interesting, huh? So you're literally just increasing your, your processing fee by 25 cents, but you increased your entire price by $5. You are literally taken care of, right? You're still making a massive profit because that's what matters at the end of the day.

Are you profiting, right? The end game, the ending number of the profit is what matters at the end of the day. And so if you're in a space right now where you're like, "I can't afford these processing fees," a simple small price increase can make a massive difference for you. And $5 is something where it's like you very rarely ever hear about everybody losing a bunch of clients when they raise their prices by five bucks, right?

So truly, like, a simple pricing, uh, increase that will cover this for you and then some, um, and help you profit more. And truly, like, uh, this is the most simple and easy solution. Instead of focusing so much on such a small number, um, and being annoyed by it, and, and causing risk to, uh, detriment of your guest experience and your retention and, and the impact that you're making on your community, et cetera, et cetera. So that is my solution for you.

I think that $5 price increase could definitely take care of this for you. But here's the thing, my friends. Uh, we have more to go into in this topic. We wanna talk about, like, third-party processors, such as Venmo or Cash App, things that people normally use to get around the fees, right?

Um, we wanna talk about your bookkeeping and things like that. And that's why I brought in Michelle Cook, CPA, to answer some of those questions and share some things that I never even thought about as well within this conversation. And Michelle also shares her own experience as a client at a salon, um, which I think is super fascinating as a non-hairdresser. So, let's get into that.

Let's hear from Michelle. All right, we got Michelle here, my favorite CPA. What's going on, Michelle? How's it going, Hunter?

So glad to be here. So good. You guys, I just got off a call with Michelle's team, doing some tax stuff and s- and, uh, some future projection stuff, because, uh, I use Michelle's firm to take care of my own business expenses, and tax filing and all, and bookkeeping and all the things. And I can, I can myself tell you as a client of Michelle's firm that they are just absolutely excellent, and they know what the hell they're talking about, and they just take such good care of you, so highly recommend that you check out Michelle and, and her services, if, if you get the chance to.

It's gonna be linked in the show notes below. But Michelle, you are here because we are talking about credit card processing fees, and we're talking about how hair stylists, you know, focus on them, and maybe some common mistakes or steps that they take to get around them or to save money on them or whatever it may be. And I think first off, the way that we should start this conversation is just asking you, what are your, off the top of your head, like personal thoughts about the credit card processing fees and whether, you know, they should be charging their clients them or not, or whatever it may be. What are your, what are your thoughts off the top of your head?

Yeah, absolutely. First, I should say thank you for that introduction. I'm blushing over here. But I would say, in general, my feeling about credit card processing fees is that it is just simply a cost of doing business, just like it is to purchase lightener and developer and cleaning supplies.

It's just part of operating in this modern world, and it's not something that I necessarily feel is important to focus a lot of energy into, like, getting around. I completely agree. Um, I think that it's ... I think that we, like, especially when we're, we're getting really tight with our budgets and, like, really trying to, like, look at our expenses and stuff, I feel like we try to, like, save pennies, and it's ...

And a lot of the times it ends up not being worth it. It honestly just creates more work for yourself, creates more complication, right? You shared with me that you had your own personal experience with this, right? Tell us a little bit about that.

Okay. So the salon that I go to, um, and I've gone to f- for years recently implemented a, like, "Hey, just so you know, like, you're gonna get charged the credit card processing fee, and if you don't want to be charged that fee, then just bring cash." I'm sorry, but, like, there's no chance in any world that I'm ever going to have cash on me at any point. Like, I could get mugged, and I'm like, "I'm sorry.

I have nothing." There's, there's nothing. So to me, it's ... I'm such of the generation that it's ridiculous in my mind to think that I might have cash on me.

Like, I would have to go to a bank and get cash. And so for me it was, like, an inconvenience, and I felt it was, like, really frustrating on the client experience side, because I'm over here like, "Just bake it into your prices. Like, stop charging me, like, a separate thing." Yeah, you're right.

So anyways, for me, I honestly ... I got the email, and I was like, "This is so annoying. Is there another salon that I wanna go to?" Like, I literally was like, "Mm, I might."

I- Yeah. haven't yet, because they're like five minutes from my house. And I really, as you'll find from this conversation, I highly value time. Yeah.

And so for me, I'm like, "I'll deal with this for a- a while," but it's like, it's like one of those things where before I was, like, more tightly tied to the salon and, like, my connection to it, and now I'm, like, not so tightly tied to where, like, if a competitor came in with, like-... another in the area kind of thing, like, I might, I might go check it out. Yeah, absolutely. I mean, and for you, my friend, listening to this, like, that means that, like, like, think about that.

Like, every part of your client experience, even, like, the client's experience before they walk into the door, right? You have so- like, the, the decisions that you make in your business have some sort of effect on that. And you said that, like, you know, you, this is the place to go because you can just drive five minutes down the road and you just don't have time to, like, do any commute, right? And a stop at the bank to get out cash would take you a fair bit of time, right?

And so, it affects the client experience in multiple ways. And I think that, you know, even, we're just, we're just human beings, right? And even just getting that email, maybe we're not even rationally thinking, like, about why this thing is annoying. Maybe it's just, like, we...

Like, humans just, like, see this, and they're just like, "Ugh," just, like, another extra little li- like, item line, and that's just fricking annoying. It's like, we're just... It's just causing a negative experience, right? Well, and it's adding a responsibility now to me- Yes.

Yeah. and the experience. It's like, I just wanna book and come in and, and get served, but now I have to, like, think about it every time, whereas, like, it didn't even cross my mind before. Totally.

Great point. I, I... A lot of the things, the way that I run my business behind the chair, and the things that I teach is all about that. Like, even, like, down to, like, you know, I pers-...

I don't have a strong opinion about this for anybody, but even me personally, like, I decided to stop with gratuity, because I just, like, didn't... I was just so annoyed with my clients doing math in my suite. I was like, "There's no need for you to do math here." Like, "I'm over it.

I don't want you to have to figure out what 20% is and, like, take more time checking out before you leave so I can get my next client in," you know? I just wanted to se-... It's like you know one price that you're gonna pay, and then that's it, and then you leave, you know? And that's, that's it.

Yeah, it's so clean. Uh, it's funny that you brought this up, because I was talking to an aesthetician at our local med spa, and the one that I go to doesn't tip, but a friend of mine I was talking to, they do do tips at the med spa, and I was like, "What's the deal? Like, why, why do you guys not?" I was, like, trying to, like, find out from, like, an employee's perspective, and she was- Yeah.

"Well, we just felt like it was, like, a more, like, professional, like, we're providing, like, a medical service here, and, like, we wanted to, like-" Mm. "... elevate it beyond that." Anyways, I thought that was interesting.

I also... I should say, like, when I go to a med spa or a salon, I do not tell people what I do for a living . Like, no one is leaving- ... knowing.

I think that's a really good idea. I'm just like, I, when I go, like, I don't wanna be working. I just wanna take care of myself. So, it's not like- Yep.

anyone's... When I ask questions, like, th- they kinda, like, don't know the background of, like, why I might be asking that. Y- yes. I fricking love that.

I mean, I, I, from the other side of things, if I know that you are X, like, if I know that your job is this, I will be asking you about it. Like, every... Like, I have this nurse client, and I ask her all of my hypochondriac medical questions- ... and she swears that she's okay with it, but she probably hates me for it, so - ...

I fully get that. Okay, so that's your, that's your personal opinion and experience around that, which I think offers great perspective to the listener, because, you know, you, you did go to beauty school, Michelle, but you're not, like, actively practicing behind the chair, right? And so, that's just purely from the client perspective, um, and I think that offers a lot of value. Now, the reason why you're here is for the logistics as well, too, just to talk about the logistics of this.

What, we have a co- I have a co- a couple different item lines to talk about as far as the logistic sides go, s- from somebody who knows what they're talking about. And let's talk about first, I guess, like, POSs, right? Because always, everybody's always looking for, like, a way that they can charge a credit card without getting a bunch of fees, right? And whether that be for tips or the entire service or whatever it may be.

What are your thoughts about that? What have you seen? Any advice that you have for people? Yeah.

So, I would say, what I see most commonly is that when people are trying to reduce their credit card processing fees, then they're starting to take payments either cash, Venmo, Zelle, sometimes Cash App, but I would say Venmo and Zelle are the most common. And when you look at things from an administrative perspective, it ends up being more work trying to track where your money is and, like, what kind of fees you're paying and just what's happened when you're- have things in multiple systems. So, that's just one of the reasons why I don't like it, is because, for whatever reason, and I don't think this is, like, specific to hair stylists, like, I think it's the general human experience, we so often value money more than time. But this is one of those scenarios where I, I see people spend a lot of head space and thinking about it and then managing, like, where things are at, just because they've opened themselves up to having to manage multiple systems.

Yeah. I even stopped taking cash at all, because I was just like, I just want everything to be clean. I don't wanna have to even deal with, like, you know, my bookkeeping with my extra cash, you know? And if you're doing everything by the book, if you're truly le- th- as you legally should, reporting everything, all the income that you're taking, right, including your tips as well, then, um, all of that should be taken into consideration.

And for the... I love that point, that the administrative side of things is so much cleaner when you're just running things through one thing, and I'm assuming, like you said, like, people will often, like, lean into Zelle or Venmo. And do you find that, like, people will do that for, like, just their tips, or do you find that people will do that for, like, entire services sometimes? Oh, they'll do it for, like, the whole thing.

Yeah. That's crazy. It's not just tips. And, and I actually have to say, it gets a little bit dangerous when you are a salon owner and you have employees, and then your employees start accepting tips over Venmo, just because there are laws about what needs to get put on a W-2, and if you don't have a good system in place to be finding out, like, what your employees are getting paid in tips, like, you're s- still on the hook for abiding by those laws.

So, I think it's also just-... puts you in a dangerous position as a salon owner. That could be completely solved if you just said, "We accept all payments through our point-of-sale system, period." Mm.

Yeah, yeah. Super interesting. And then, so also, I know, uh, something to take into- into consideration as well is that these third-party processing things, such as, like, Ven- the ones that we normally use for personal transactions, right? Like, th- they started with personal transactions, they oftentimes have business plans or business accounts, right, with their own terms and conditions and, like, and reporting as well too, right?

So tell us about that. Yeah. Okay. So I would say Venmo's, like, the most popular, so I'll use that as an example.

So you can have a personal Venmo account, and you can also have a business Venmo account. Um, what you don't want to be doing, if you are going to be using Venmo, is using the personal account for business transactions. And what can happen there is your funds can get frozen if they're finding out that you're using the personal account for the business transactions. But, of course, the reason why people are doing it is 'cause they're not charging any fees whatsoever on the personal side, and so people are like, "I won't pay anything at all."

But if you do use the business side, it's- the fees are way cheaper than even a normal credit card processor. Yeah. That's what I thought was true. Um, glad that you validated that, that it, like, uh, even- e- if you do end up using it, right, then it'll- definitely should be using the business side of things, because can you imagine, like you have all this money in your Venmo, and you just, like, can't take it out because your account gets shut down, and they open up, like, an investigation against you?

Like, that'd be crazy. Anything else when it comes to, like, any risks or anything like that when using things such as those? Yeah, I think, like you said, if you're breaking the terms and service, you know, like, every time you sign up for a new account, you always have to click, like, "Yeah, I read the terms and service," the thing that no one actually reads. Unless you're a lawyer, and the lawyers read it.

But that's where, like, you're agreeing to, in that thing that you never read, is that you will use the personal one for only transactions between, like, friends and family, or, you know, Facebook Marketplace. Yeah. Uh, but yeah, that's why it's important to, um, make sure that you're protecting your income, and you're not having, um, a hold on those funds. 'Cause I imagine if you're the kind of person who is worried about paying credit card processing fees, then having a hold on your funds is probably going to ca- cause you a large problem.

Period. Okay. And then, are credit card processing fees a tax write-off? Absolutely.

Period. So it's like, it's a business expense, right, and it's- and it's going to save you a little bit of money on your taxes, as business expenses do, right? And sounds like you and I are on the same page, very much so, about, you know, just run it through one POS to keep things nice and clean, and, uh, stop trying to avoid them. Yeah.

I kind of do that. I don't know if other business owners do this too, but I definitely will. If there's, like, an expense, I'll be like, "Uh, minus 30% from that," 'cause, like, I'm getting the tax deduction. I'm like- Right.

"Uh, okay, it's not actually the number that it says here. It's 30% less." Right. Right, right.

I love that. Okay. Is there anything else that you, uh, would like to comment on when it comes to credit card processing fees? I don't think so.

Uh, but I would say just if you are going to use a secondary system, I think it's still important that you have your main point-of-sales system, whether that's Square, Vergaro, GlossGenius, whatever you're using, and you still check everyone out through that normal system, and then just mark it as a cash payment. And then that way- Hmm. you still have one source of truth when it comes to, like, what were my total sales this month? What did I collect in sales tax?

And then you can even, like, pull a report at the end of the month that'll tell you how much you collected through cash or credit card, um, so you can track those things there. Excellent advice. I love that. Thank you so much, Michelle.

We appreciate your time and your value that you offer to the industry so much. You offer some really helpful tips on your Instagram, right? So, uh, tell us your Instagram. Yeah, absolutely.

Instagram is @smallbusinesscpa. Period. And there you can find all of Michelle's links, but we're also gonna leave some information, uh, for Michelle and her services, and also, do you still have, uh, some helpful courses for hairstylists as well too? I do.

So if hairstylists are wanting to know how they can pay themselves, I have a course that walks you through how to use QuickBooks so you can figure out what your profit is, so that you can take that information from there and be able to pay yourself consistently, based on facts and not just looking at what the balance is in your bank account. Mm-hmm. I love that. That's badass.

Very cool. So make sure to go check, uh, Michelle out. Um, she's absolutely amazing, and I appreciate you, Michelle. Thank you so much.

Thanks, Hunter. All right, guys. Thank you so much for tuning in to this episode of the Modern Hairstylist podcast. I truly hope that it was helpful for you.

I hope that I changed your perspective about- about processing fees and showed you how simple it is to really mitigate your worry and your loss of profit around it. And if you did enjoy this episode, I'd really appreciate if you left a five-star testimonial wherever you're listening to this. I'd also really appreciate if you hit that subscribe button, so that way do. But the majoritively, what those things do is it helps us grow the podcast.

It helps us reach more like-minded hairstylists just like you, who are trying to tap into the potential that this industry truly has for you. So I really appreciate you helping me in that mission in empowering this industry as much as possible. And I will catch you in the next episode. So much love to you.

Peace out girl scout. Bye-bye.

End of transcript. © 2024 Hunter Donia LLC.