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ePayments - The Best of Both Worlds for Floral Operators

Originally published Wednesday, Feb 18, 2026

In 2026 you can’t run a floral back office efficiently without digital payments, but cards are expensive. The fundamental payment method tradeoff has always been ‘Checks create risk and slow down operational efficiency in collections, but cards cost 2.9%’. With Koronet Payments you have another option.

ePayments give floral operators the best of both worlds. They are a frictionless digital transfer from your client's bank, highly reliable because Koronet confirms the available balance before processing the payment. ePayments removes the uncertainty and time delay of checks in the mail without requiring a ~3% payment to American Express or Visa.

With Koronet’s new pricing for ePayments at $1 per transaction, the pricing difference on a card versus ePayments transaction is even more stark. A $250 transaction on ePayments costs $1 versus $7.50 on a standard card online.

So using ePayments instead of cards to collect in Komet is an obvious choice, but how do you convert clients who have paid by credit card (or worse, check) for years to paying using ePayments?

Reach out to your customers and tell them that you accept ePayments as a low-friction alternative to card payments with no (or low) convenience fees.
Send Request Payment Information emails to clients with only the “ePayments (Bank Account)” method selected in the Payment Method dropdown.
Select "ePayments" in the Payment Method dropdown whenever available when collecting payment in the Receive Payment screen.
Mark ePayments as the default payment method for customers with an ePayment payment method stored.
Configure a flat convenience fee of $1 if you want to pass on this cost to your customer.

Payment methods and payment terms require a nuanced assessment of risk, processing cost, price, and client relationships, and cards will likely never be completely eliminated. After all, you’d always prefer the extra thirty days to pay given the choice. But if you can successfully move even a small portion of your payments from cards to ePayments, the savings are material.