Real Estate Photography: How To Get Started

1. Introduction: Hi, everyone, and welcome to this court's My name is Greg. Today I have the pleasure of teaching you how to get started in real estate photography, so there's a lot of questions you may have. But what I'm gonna cover in this course is what's the best equipment for you to buy to get started doing real estate photography? Now, if you're a Realtor, just looking to take better photos or if you are a real estate photographer already and just looking for better techniques to take photos, this equipment will go for both. There's a little variability on the equipment, so I'll tell you a couple options. You can get some cheaper, some expensive, all of the equipment, even the top notch that I'll show you. You can get everything to get started for well under $1000. Now, if you buy some of this equipment used, you can get everything for easily under $500. That's a pretty good deal, so additionally, I'm gonna show you what camera settings to use in a very efficient way to use these settings so you won't need any flashes, no external flashes at all, no stroke flashes and this process. I'm a show. You works on any house, So if you're going house to house, you can use the exact same process. You can leave your camera on the same settings. So when you go pull up to your next job, you're doing your next listing. Just pull out your camera. You know you ready to go? So next I'm gonna show you with these camera settings. I'll show you a real live demo shoot, so I'll show you how to prep the room where to take the photos from. And then how these settings really work on the camera just to give you a real life example of how to do one of these photo shoots best. So after that, I'll show you what to do with these photos. After you've taken them, I'll show you how to process them with a fast and easy way to edit the photos come out professional looking every time. It's very consistent. And then I'm gonna show you how to deliver these photos to your clients. It's a freeway you can deliver to them and give them an external link that they can download your photos. And lastly, as a little bonus material. I'll show you how to format your photos really easily for your local MLS. All MLS is have specific photo upload requirements and a lot of these air pixel ratios. So I'll show you how to adjust your pixel ratios before you deliver your photos to your client or before you upload them to MLS so that when they're uploaded the MLS MLS likes them and they do not need to convert them with their software. If your photos air not formatted for MLS, analysts will use their own built in software to compress and resize your photos. The result of this is very blurry listing photos. So whether you're a Realtor or whether you're real estate photographer already, this course will have everything that you need to know to get started as usual, I'm gonna pack a ton of information into this course, so I hope you see the value of that. And I hope you get started with this course 2. Why Me?: So the first question you're probably asking yourself is Watch you listen to me, right? Well, like I said, my name is Greg. And for the last 10 years have been doing photography and videography. And for the last year, I've been doing professional real estate photo shoots do photo shoots at least once a week just to stay sharp and updated with the industry. The camera settings that I'm gonna show you are gonna make your life so much easier doing photo shoots because you can use the same settings in the scene process for every house that you go shoot, whether inside or outside photos, everything's the same. And then additionally, the editing process is standardized. You can use it for every photo, every house. It's gonna make your life a lot easier. And I'm just trying to get this information out. And, as usual, if you know my reputation on you to me, I dump everything into my courses. I packed them with a ton of information. I don't hold any of my personal secrets back. I put all my course and that's reputation built up. So if you're looking to get started in real estate photography, trust me. I'm gonna put everything you need to know into this course. And I hope you see that as value. And I hope you get started with this course. 3. End Product Examples: all right. So before we get started with the course and all the techniques, I wanted to show you the after for all this. So what This technique looks like, how the photos look, just some good examples to show you that what I'm about to show you really works. So here's just a couple of photos thes some previous jobs that we did. Um, just some examples for you to see. So look how good the colors are. Everything's on point. How good the angles are. The settings on the camera clearly are great. There's no dark spots. There's no overly bright spots. Um, here's some interior shots, the windows air clear enough to see out of there, not blown out of proportion. Everything's kind of just clear. Clean. This house in particular, actually sold in the first week that it was on the market. They got asking price in the first week, so the photos have a lot to do with it. So if you're a realtor, this is great to learn how to take your own photos. But if not a za real estate photographer, we have a huge part in the sale. So doing a good job helps the realtor helps the sellers, helps everyone involved. So these air again, Just some examples to show you that what I'm going to teach you this is how it looks. This is what it looks like. And, as always, if you have any questions through any of this, feel free to just shoot me. A message either ended in the discussion board. Shoot me a personal message on you to me, and I'll get back to you typically within a few hours, I'll have a response back to you. But I just want to give you an example of what I'm about to teach you. And I look forward to seeing you all in the course. 4. Best Equipment: So in this free preview video, I just want to go ahead and show you what the equipment is. I'll just give you value right off the top. So this is gonna be the best equipment for someone that's just getting started. Or really, if you're a little bit more advanced, it gets the job done. Justus. Well, so everything you'll need for the most part is right in this bag right here. You're also going to need a tripod that's 60 inches so you can get a cheapo just like this from Best Buy. It's about 29 $30.60 inch tripod, and you don't have to go out and get $100 tripod. And the reason why is because all it's doing is holding your camera steady. So these have built in levels on them. You can see right there, so don't tell you what's level in what's not adjustable legs, and you can pivot everything right at the top. So for $30 this is really all you need. And what's good about that, too, is you can throw this around, and for some reason, if it breaks, you only have $30 invested in So a 60 inch tripod Perfect. That's what you need. Let's take a look at what is inside of the back. So I recommend Cannon. I'm a big fan of cannon because I know they have the settings that you need for the process that I'm gonna show you. So let's see what's inside here. So what I use and as you can see, this is just an entry level. DSLR This is a Canon Rebel t six. But the settings that you'll need are all the way down on the T three as well. So you can get a t three t four t five or T six there, even advancing even further than that t six i. So all you need is a T three to a T six. That'll get the job done. I'll show you the camp, the settings in the next video. But if you have the body for the t six, you won't actually be using the 18 to fill. Excuse me? The 18 to 55 millimeter lens that comes on, it s so if it's an option for you, you can buy just the body for cheaper. And what I mean by that is, it's not gonna come with any lens will come just like this, but so you'll need that body there and then the lens that you're gonna need. You just need one of these is in 18 for Canon. It's an 18 10 to 18 millimeter lens, and this one's actually auto focus, so it's a little bit more expensive. This is about $279. That's the everyday price at Best Buy and its auto focus, too. So you can't really beat that. You only need one of these like I said, So $279 and the body for this is $400. So you're looking at $679 brand new for the equipment, plus $30 on the tripod, looking at $700 for everything. Brand new, that's well under $1000. Now you can buy the body used or the lens used, and now you're cutting your costs dramatically. Or if you're gonna buy a T three t 45 those models are already cheaper and you can get a brand new for cheaper. So that's the equipment, and then the last thing you're gonna need is obviously the battery that comes with it. And I always recommend you have two of these because if your God forbid you run out of battery the house, you do not want to be sitting there and charging it, so at least have one backup battery. But what's cool is it's gonna come with the cannon battery, this one to see what was in here. But also you can go on Amazon and you can buy the corresponding battery but made by its Biwa Sasabe power, Actually, but these were something like $6 for a battery. It works exactly the same. It's just not can and brand. So you can. I think we got a two pack for $12 so you can't go wrong with that. And the cool thing about that two. It also came with a dual, a dual charging a dual charger from with sovereign powers. You can charge two of the batteries at the same time, so $12 brand new. Nothing wrong with that. But what I was getting at is you're also going to need to have a memory card, the one that's gonna come with the camera if it does come with it is probably an eight or 16 gigabyte. 32 is still not enough. So I highly recommend you have a 64 gigabyte memory card. And the reason I say that is a process I'm gonna show you how to take these photos takes up a little bit more space, but it does make it a lot more fast and efficient. The last thing you want to do is run out of battery, right? Right before that has run out of memory space, your space on your memory card. So then you're going through and deleting photos that you that you think your extra don't even mess with that just get a 64 gigabyte memory card is something like $40 now you've got all the equipment you ready to go? That's it. So in the next couple of videos, I'll show you how to use all this equipment and you're gonna be off to a pretty good start 5. Best Camera Settings: All right, so let's jump right into the camera settings. So the first thing we're gonna want to do is make sure we're in program mode, which is P up top. What that's gonna do is it's going to automate the shutter and the aperture, so that's perfect. But it's also gonna let us customize the rest of the settings so it puts everything else in the manual. So I'm gonna show This is what your screen should look like with one adjustment. So this is the one adjustment here. The first thing you wanna gonna want to do is make sure that you're set on zero, which is right in the middle, and then use your dial up top to do one in either direction. You know what this is? Is auto exposure bracketing? So it's gonna take three photos, one at negative one. Exposure 10 exposure one at one plus exposure. And these are the three photos that you use to combine to get the best lighting in every area. So this is the big part to the concept, but I'll show you how to customize the rest of this year. So auto white balance, Leave that on auto for the picture style. We're gonna leave that on auto as well. I haven't on manual focus, and although, like I said, I have a auto focus lens here, Um, I like to use manual focus because you can zoom in 10 times by just hitting the zoom button on your camera before you take the photo, and you can make sure that you can 100% guarantee that you are focused on the main area of the room. If you put it on auto focus and you take you, let it focus itself and then you take the photos. Sometimes it's focusing on the back of a chair that's way too close to you or way too far from you. There's just way too much variability. Um, too many mistakes. You don't want to find out when you're editing your pictures that they're out of focus. So I highly suggest that you use manual focus and only takes an extra 10 seconds per per photo. Now another big thing here is you have to have it set on continuous shooting. If you have single shooting, you can hold the shutter down, but it will only take one of the three photos that we need here. So if you put it on continuous, you can hold it down and it will take each of the three photos at the different exposures just like that for metering. We're gonna use this one on the left here because it says it's ideal for most scenes. But it also says it's useful for backlit subjects. So in the case that you have a window that's bright, this will compensate for that, dealing with how light it is compared to how dark it is inside the room. So that's the meter and you're going to want to use. And then, just for your image size, make sure that you're on L or large. But not just that. They're standard large, and there's high quality large. Make sure you're on the high quality large and then going up. You won't be using flash at all, so you don't have to worry about that. This is for the as you can see there, the auto correct image brightness. You don't need that that also make sure that that's disabled, and then this is for the flash as well, so you don't need any flash exposure, exposure, compensation. Leave that on zero and then, lastly, your eyes. So put that on auto, and it'll adjust if the room's a little darker if the room's a little brighter and this is it. So once you have your screen looking like this, you're good to go. This is how you'll leave your camera after the shoot, and then when you get to your new shoot, um, the only thing that's gonna change is if you turn it off, you turn it back on. The only thing that changes is this right here, So every shoot, you'll have to readjust this. Just make sure that it's on zero. Sometimes if you hit the wrong button, it could be over here. And then they put your three off center. You don't want that, so make sure you're on zero to start and then just go one in either direction. Select. Now you're ready to go. So when you take the photo now, with the continuous there's your three shots, now it's got the lens cap on. That's why it took so long to do the shutter. But when you're holding it down like that manual, focus your in good shape. So that's the camera settings that you're going to be using. And then the last thing we're gonna need to do here is just make sure that our camera lens is selected on 12. So, like I said, you're probably going to be using between 10 and 14. So if you really need a wide shot, go and go all the way to 10. Um, if you go, if you have a lens that goes down to eight, you may get distortion. So 10 is why does you'll ever wanna go and then 14 if you really need to kind of close out and cut some stuff off, but keep it wide. Where you want to be most of the time is on 12. So set it on 12 and then the other thing is your die or your selector. Here for manual focus our auto focus. This changes it on the screen of the camera. So I suggest you put it on the manual focus there, and then I'll just spend this ring down here to focus. Just like that, you're in good shape. So the last variable you have here is the tripod. So you want a 60 inch tripod. When you first get your tripod, just double. Check with a tape measure where 56 inches is and where 60 inches is this way. You know this is the range you want to be in when you're doing most of your your rooms. So just so you know, on the tripod when you're extending it, where to expect the camera to be so you have a good feel for it. So the only time that you're gonna need your tripod lower than 56 or 60 inches is when you go into a bathroom. Whether it's a big bathroom or a small bathroom, I suggest you take it to about half the height just above the vanity level. This way, it does two things. So one you don't show up in the mirror. That's a lot. You want to make sure that your camera is not visible. Your camera or yourself are not visible in the any of the mirrors. A lot of the bathrooms can be tricky because there's multiple mirrors showing, so be very careful of this throughout the house, not to show up in the mirrors. So by lowering the dry pod and you can cross with the camera. You're below the vanity level. Um, so you're not gonna show up in the mirrors? The second reason is when you have a 60 inch tripod and you're shooting a bathroom bigger, small. It shows a lot more of a mirror than it does of the vanity and the toilet on the floor, the tub, all of that. So if you lower it's 1/2 light just above the vanity level, you're gonna get the sink, and you're gonna get the faucets, everything that everyone's looking for in a bathroom. It's a lot better height, and it shows the bathroom a lot better. So that's the only time you're gonna change your tripod height. And the other thing with the tripod is you want to keep your camera level on the tripod. You don't want to be pitched up, or it's gonna start bending the walls, and it won't look good on your photos. So before you start your photo shoot, just have your camera on there and make sure that everything's level and all the walls look straight up and down. This means that your cameras flat on top. Don't be pitched up or down, left or right? So once you have all that in place, you're really good to go. So I think in this next video here, I'm gonna show you a demo. Shoot and sugar, How old this falls together. 6. Step-By-Step Demo Shoot: So this is the room that we're gonna photo shoot here, and it's a very basic bedroom here, but there's a couple things that we need to know before we get started. So on the list of preparations, we have to make sure that the fans are always off. All the lights are always on, so let's go ahead and turn them on now. As you can see, this one has no night stand, and you're gonna come into homes where this is just like this. So we're going to make it even. And then the other thing is the blinds here. So fans off all the lights on you always want the blinds open to the fullest flat position . So what this does is it makes it consistent throughout the house, and it lets in a lot of light. Okay, And then, as you can see, there's a TV here. Let's go ahead and take that and remove it from the room you want to remove any quarter and then at the door, we can see there's a little something in front of the door. Let's just pull that out of the way. All of this will not be in the shop. You still want to get the room clear. So the last thing here, let's just make sure everything looks perfect. So we'll close the closet doors all the way. Flat position. We'll go ahead and fix the blanket. Make sure everything's perfect. These air small things that you'll notice in the edited photos if you're looking at them. So just make sure that there aren't any big creases or anything, and then we'll just adjust the pillows back there, so that will work. As you can see, it's a big difference. All the clutter is out of the room. Everything looks consistent. The blinds are open to the full position. Curtains air pulled back. Fan is off. Lights are pulling, so you do not want to be doing this at every house that you go to. So these are things that you want to put into a little infographic picture that you can send to your clients. Or, if you're a Realtor, you're probably just gonna have to do this yourself unless you can ask your homeowners to do it for you. So remember, it's fan off lights on. Curtain's pulled blinds open to the flat position and then remove all the clutter and make sure everything looks consistent. So now let's go into taking the actual phone. So let's go ahead and turn it on. We'll pull the lens cap off, and then as we go in, you remember the only thing that's gonna change is that's right here, the auto exposure bracketing. So now we're good to go. I'm gonna show you the screen. We're on manual focus, and we are on 12 millimeters. So the place that I typically like to get the photos from best are from the entryway. It gives you the most space because you can stand outside of the door and also gives you the best of view of the room nine out of 10 times. So we'll go ahead and we'll set up right now. My tripods at 56 inches so you can go in between 56 60 is typically best on. We're right in the entryway, So now let's find the best angle. So as you can see on the screen, it's cutting off quite a bit. So we're gonna pull the tripod back. And now if you're if you're stuck in a door like this. You can adjust your tripod right here. You can pull it up and close the legs. It's not gonna change overall height all that much. But what it's gonna do is allow you more space to move the tripod around. So you see this wall, that's to the left. We don't want to capture that in the photo, so we'll get just inside the wall. So as you can see here, that plant over there that's actually right over there, you can only see part of it. So this is where you'll use your zoom a little bit. So let's zoom out a tiny bit. Let's go just above 10 and see what that looks like. So you've got more of the plant. But you also have this wall that we're talking about in the left here, right there. So let's go ahead and move the tripod slightly inside of that wall. Perfect. And c, we've got more of the plant. I'm gonna come out even a tiny bit more if you come out more. You can see the wall coming in on the right side over there. We don't want that. So I'm gonna go ahead and zoom back in a tiny bit. Get the whole plant over there. So if you only show if you only show two walls of a room, it generally looks bigger. If you show three walls of the room, which would be the third wall over here, it tends to make the room seem a little bit smaller and not as professional. So we'll zoom in a tiny bit. So now you can see everything's clean. It's consistent. There's no clutter. We've got Onley, two walls being shown, and then this is where we're going to. So now we're gonna use our manual focus, and then we'll get into meter and real quick. So manual focus. Let's go ahead and get. We'll do the bed right here, and then you can hit the zoom button up top. Need that twice one to. And now you can adjust your focus, ring up here to get it and focus. And right there is in focus. Perfect. No. Press it one more time. Got to go back to the full shop. So the last thing is for your meter. So if you hit select over here, it'll center your meter inbox right in the middle and it's going to account for the window . As you can see, if you go over the window, it shows the window and darkens out the room. If you're right in the middle, and then we're going to very carefully make sure we're not any mirrors or anything. And then we're going to hold down the shutter and it will capture the three photos we need . Perfect. So that is it. That's how you do the photos. Let's go back and take a look at them. So, as you can see, we have 123 at the three different exposures. So in this one, take a look. The window is blown out, but the room is lit up. But then, in here the room is dark, but the window you can see right through. And then this one is just kind of a neutral. This is your one that's at zero. So now you have these three photos and that will show you how to edit them and put them all three together fast and easy. 7. Best Way To Edit The Photos: All right. So once we have our three photos on our computer here, as you can see, 12 and three now it's time to edit them. So what you're gonna want to do is go to this is what I use, and I highly recommend it. There's free versions out there, but I recommend you get the commercial easy HDR three commercial license at $65. And the difference between the commercial in the home is if you have the home legally, you cannot sell your photos for profit. So maybe if you're a realtor, you can get away with the home version. Saves you about $25 or if you want to play it safe, just go ahead and get the commercial when this is the one that I got here. So once you have this, let's go ahead and open it up. All right? Perfect. So this is the easy HDR software. And another thing to note about this is this is a version 3.10 point one, and every time the developer comes out with a new version, you get a completely free update to the new version. So you go back onto his website. Put in your code and you get a free new version and he's always updating it. So it's great. You just adds new features and streamline some processes. So to get back to it, what you're gonna do, you've got your three photos back there and you're going to go ahead and just hit new. So when you hit new, it'll ask you what photos you wanna drop in? We're just gonna do the three photos that we took just now. Then we'll hit open and then I'll upload the three photos into here. So it's got the three photos in here, and now it gives you a couple options. So the settings that I have set here are just like this. So have yours match this ghost removal. You can leave that off. All of these. You can leave off noise filtering. You can have that set on two for both and then alignment. Just do automatic lens correction. You can leave that off, then you have a couple of options for this purpose. You just need to use true HDR and then just do generate HDR, and it will combine all three of the photos taking the best lighting from each. It'll give you a couple options for different settings over here. But what's really cool about this software is you can make your own presets. So I made my own preset one for exterior and one for interior. So what I do is every time I have an interior shoot, I just select, um, the interior setting that's over here on the left that will come up. And then it does all the editing exactly how I like it. So you said it once and then every time you send these photos through here, you just select the preset again and at its everything for you. So then, once you have this uploaded, I'll give you all your presets on the left here. So what you're going to do is select interior and then adjust the settings on the side here . And then once you have customized it to where you really like it, then you'll save it as a new preset so presets and you'll dio create preset from current settings. And then name that mind Still, interior test. So that's what I have adjusted here. So if you'd like when you get this software. You can copy these numbers here. I'll give you the same presets that I use. And then every time you have photos coming through here, you just select interior test, and then it will do the full HDR combination. Shadows, everything's done for you, saturation, saturation and everything. So you can see this is kind of before and then after. So that's perfect. And once you're done with that, you can go ahead and just it save as you can name it, and then you can decide where you want to save it to, and then just go ahead and hit safe quality 100 300 dots per inch and then just go ahead and hit. Save there. And now, when you go back to your folder, you've got your edited version right here. Now, what's great about this software is you can actually, if you have 90 photos in here, you can upload the entire folder and it'll batch process all of the photos one after another. So you initiate the start, and then it'll edit all the photos one after another and save him all right back into here . So it's great is you can upload the entire folder just hit Start, and then you can actually leave your computer and let the software edit it for you, and it will dump them all right back into the folder. Or if you have a new edited folder and dumped them into their. So that's the really easy software. I suggest you just get the commercial license for it. That way there's no risk at all, and then you're in good shape. So easy. Hdr three. That's the software that I recommend. 8. Resizing For MLS: So once you have your edited photo here, this is your full resolution photo. And then also for your MLS, you're going to need to edit the size of this photo. So here's how you do that. So we're gonna right click the photo and we're gonna do duplicate. And if you have a bunch of photos in here, you can highlight them all and duplicate them all. So it'll say copy next to it. Open that up, then we'll do tools the just size. And this gives you the option to change the pixel ratio. So unlock. And then, for example, if you're MLS is 10 24 by 7 68 is their requirements. Go ahead and do it just like that hit. Okay. And now you're photo is formatted perfectly for your local MLS. So you'll save this version. I'll save it right there. You can even rename it. She can rename this one the MLS version. So now you have two different size of the of the photos. So if you're gonna do some print advertising online advertising, you use the full resolution, even presentations, full resolution, and then for analysts, make sure that you do the formatted photos that they are asking for. That way your pictures come out full quality on MLS, and, um, they're not converting them. And you're not losing your quality that way, and you can see when you do this conversion, the file size changes so much so it goes from 9.3 megabytes, which is a pretty big file to less than one megabyte did. That's where you that's where MLS wants it for storage. That's the reason that they put these settings in place. So by doing that, you've got a perfectly formatted time, unless photo. 9. Best Way To Send/Deliver Photos: So then, since you can only put so many pictures in an email what you want to do to deliver these photos and remember, you have full size and MLS is you're gonna go back to the Internet, you're gonna go to Google photos. This is completely free, and you'll have a couple options here. So if you go to your settings, you can do high quality, which it it makes the file size slightly smaller, but it retains a lot of the quality, so you can get away with that completely free forever. Or you can do original, which they give you 15 gigabytes of free storage. And then after that, you have to buy storage. But if you're gonna use original, you can do 10 gigabytes or 14 gigabytes, and then you can just delete a few gigabytes from older content, and it'll free up more space. So you can. You either of these high quality is just fine. Just a good thing that you know. So then what you're gonna do is you're going to upload, so we'll do our full rez first. Let that upload, and then it's gonna ask you where you want to put it so added to an album new album and we'll title this with the property address. So then hit. Done. So then, once you have this in here, it gives you a share. A bowl link. So in the sharing settings, you want it to look like this. So it's probably gonna start looking like this, and then what you're gonna want to do is share, and then you go turn, collaborate and comment off. And now this is your link right here. Do you copy this link? And this is who you'll send to anyone who you need to deliver the photos to. So you're going to do the same exact thing and we'll do the MLS. Then we'll do the property address again. We'll do. MLS done. So now go through. The same process will do. Sharing options. Turn it on, collaborate off comment off. And here's your second link for MLS. Should go ahead and you copy that one and paste it in MLS. So now you have a free way of delivering your photos in the original size. Perfect, and they can download it right from there. When you send this to someone, they'll have the option. Just download the whole fold folder, and it's backed by Google. So you're not dealing with any sketchy third parties here. 10. Best Way To Send Online Invoices: So then the last question becomes, How do you send a professional electronic invoice? So I'll show you Rick here. You're gonna want to go to paypal dot com and create a free business account. It's very easy and painless on, and then you'll be able to create invoices, and you can save them as templates. So it's very easy to modify and send these out efficiently and quickly. So you put in your business information logo and then all you'll do when you come in here is put in who you're emailing, the invoice to how long they have to pay and then what the what they ordered. So was that interior was interior and drone, for example, and then what the property address was. And then how much you're charging them. Always select. Allow customer to add a tip. Um, have this as your standard because you'd be amazed just by making your clients happy and going above and beyond. They leave substantial tips to thank you for it, and what's also cool is you can add in some notes to whoever you're sending this to, and then also you can attach documents you can attach upto five documents. So if you want to put in your home prepping instructions, the things we talked about before you can do that right here. Terms and conditions, some more information about how it works and then you're in good shape. The only thing with PayPal, and it's actually it's all right. They charged 2.9% of the transaction, plus 30 cents per transaction. So it's really not all that bad for sending $100 invoice. They're only gonna take What is that? $3.20? That's it. That's not too bad. And the reason that that's all right is because PayPal is now taking on the responsibility of storing the clients payment information securely so that never falls on you. So if you have 100 clients and 100 different credit card numbers, you do not want to be in charge of managing that and making sure that that stays secure and not hacked. This is why PayPal exists. That's why there are such a successful company, and that's why we're willing to pay them 2.9% because they their job is to protect this information so it makes your clients a lot more ease knowing that paying through PayPal and not just a generic online payment system. So PayPal is definitely your route for sending professional electronic invoices.