NFIB: The Voice of Small Business - National Small Business Poll

All	Q#	Top 100	Question
	1		Does your business accept credit or debit cards as a form of payment?
	2		Approximately what percent of your total dollar sales is paid by credit or debit card?
	3		Do you accept credit or debit card payments in face-to-face transactions?
	4		Do you accept credit or debit card payments over the telephone?
	5		Do you accept credit or debit card payments over the Internet?
	6		Approximately what percent of your card sales are credit card sales?
	7		Approximately what percent of your total card sales are debit card sales?
	8		Do you accept VISA?
	8a		Every time a customer uses a VISA card to make a CREDIT transaction, approximately what percent of the sale on average are you charged?
	8b		Did you shop around to find a better deal before settling for the fee you now pay?
	8b 1		Why didn’t you shop? Was it because you:?
	8c		After shopping, did you switch from a different vendor to the one you have now?
	8d		Did you or your industry trade associate negotiate this fee or were you told the fee?
	8e		When the current contract expires, do you plan to shop for a new vendor to process your credit card receipts?
	8f		Do you NOW deal directly with a bank or a credit card services provider to process your VISA receipts?
	9		Do you accept MasterCard?
	9a		Every time a customer uses a MasterCard card to make a CREDIT transaction, approximately what percent of the sale on average are you charged?
	9b		Did you shop around to find a better deal before settling for the fee you now pay?
	9b 1		Why didn’t you shop? Was it because you:?
	9c		After shopping, did you switch from a different vendor to the one you have now?
	9d		Did you or your industry trade associate negotiate this fee or were you told the fee?
	9e		When the current contract expires, do you plan to shop for a new vendor to process your credit card receipts?
	9f		Do you NOW deal directly with a bank or a credit card services provider to process your MasterCard receipts?
	10		Do you accept American Express?
	10a		Every time a customer uses an American Express card, approximately what percent of the sale on average are YOU charged?
	11		Do you accept Discover?
	11a		Every time a customer uses a Discover card, approximately what percent of the sale on average are you charged?
	12		Do you give discounts to customers who pay in cash rather than by credit card?
	13		If your credit card contract allowed you to charge customers extra for using a credit card, would you institute such a policy in your business?
	14		Do you require a minimum purchase for customers to use credit or debit cards?
	15		Do you own your credit card equipment or do you lease it?
	16		Do you accept PayPal as a form of payment?
	17		Within the last 12 months, have you experienced a “hidden penalty,” that is, a penalty for violating a provision of your credit card contract that you were unaware of?
	18		Within the last 12 months, have you had any disputes with a credit card company or a bank about any aspect of accepting credit cards as a form of payment?
	19		On behalf of your business, who reconciles your records of credit card receipts with the records of the bank or the credit card company?
	19a		Within the last year, have you found a bank or credit company error in their records of your credit card receipts?
	20		Within the last three years did you accept one or more credit cards that you now refuse to accept?
	21		Do you use one or more business credit cards to pay business expenses?
	22		Do you use one or more personal credit cards to pay business expenses?
	23A		You made a payment and the bank and/or the credit card company withdrew the money from your account, but you didn’t get immediate credit for your payment?
	23B		Excluding case involving an introductory offer, the interest rate on your outstanding balances was increased?
	23C		You were given less than three weeks notice of the due date for a credit card payment?
	23D		You were charged overdraft fees on overdrafts due exclusively to bank holds on a portion of your account?
	24		Do you typically pay the balances on the credit card or cards you use for business purposes at the end of each month?
	25		Do you have a line of credit at a financial institution, not including credit cards?