Client: I am looking for someone to photograph my family reunion. I need 6 hours. Can you handle this?
Me: I’d be happy to! What date is your family reunion?
Client: My budget is [X]. How can I make a deposit?
Me: You’ll be happy to know then that at my rates I only charge [Y] for event coverage. I can accept cash, cheque, or e-transfer. Do you have an email address I can send the contract to, or would it be easier to meet in person at a cafe?
Client: I will have you know that due to health reasons I need to do this through credit card in person. Can you do this?
Me: Unfortunately I cannot take credit card payments at this time, but I can accept cash, cheque, or e-transfer. Do you have an email address I can send the contract to?
Client: Good, I’ll set you up with a merchant service then.
Red flags start flying up all over the place.
Client: This can easily be set up with your bank. I will give you my credit card and even pay the setup fees with your bank due to my health issues.
Oh yeah, this sounds scammy…
Me: Unfortunately I am unable to setup anything to take credit card payment, but if we can arrange an alternative I’d be happy to do the work.
I never heard back from the client again. The date of the event came and went and nothing else came of it. Between his insistence on setting up something with my bank and him dodging my requests for an email address to send the contract to, I like to think I dodged a bullet.