Card Payment. How do you take yours?

[Eastern]

Been looking at card readers, mobile and the plug in phone line jobbies. Just wondering how you other guys take your card payments and what system do you use?

 

Saw this today in JL - Buy WorldPay Zinc Chip & PIN Keypad online at John Lewis

 

Key Features:

 

Secure, trusted Chip & PIN technology.

Easy to set up, easy to use.

Works with and approved by Visa and MasterCard.

There are various plans available to suit your needs, with the pay as you go plan charging just 2.75% per payment.

Sign up for an account on Worldpay Zinc’s website in 5 minutes, and be ready to take payment, usually by the next business day.

Take payments using your Chip & PIN and Bluetooth compatible device with a WiFi or 3G connection, anywhere, anytime.

Payments paid directly into your bank account, usually within 4 working days.

Send receipts by text, email or print to compatible wireless printers.

View details of all your payments including daily, weekly and monthly summaries.

Compatible with iPad, iPhone, iPod touch and smartphones & tablets running Android 2.3 or higher.

 

 

Has no monthly fees just takes 2.7%, not a huge demand for card payments i find but would be handy to have as some customers have asked if they could pay by this method.

[Jay]

We have a wireless terminal that has it own sim card and picks up signal from various networks. Been great for us as you can do a payment at the end of the day in front of them and give them the receipt there and then. Has been great for firewood. We can also do payments over the phone. By far the best way in my opinion. I find getting to the bank to pay cheques in isnt easy to find the time. And then the 5 days to clear means it can take a while to see the money.

[landrover 101]

If you have a PayPal account they now do a PayPal Here card reader which uses an app on your phone to take chip and pin card payments through your PayPal account

 

The reader costs £99 and because it is PayPal there are no monthly fees just the usual commission

 

 

 

 

 

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[Steve Bullman]

I've going to get one of the new paypal card readers for the trade shows next year

[Eastern]

@ Jay

 

I assume you pay a monthly fee for that service? Im not doing firewood at the moment and would only guess 2-3 card payments per month maybe? Barclays offered me a system but the monthly fees where a LOT.

 

2.75% commission is a fair bit... 2 jobs at say £650 each in a month and i may well be better off paying for a monthly plan @ £12-£45pm

[Eastern]

Yep seen the Paypal one also, very similar to one i linked above.

[H-A]

You can buy one from screwfix.

 

Payleven Chip & PIN Card Reader | Screwfix.com

 

Looks like it would be useful, but you would need to price in the 2.75%.

 

97.25% of the payment is better than none, and with the price of fuel, if it saves having to drive back to get paid, it could well be worth it.

 

H-A

[Eastern]

 

97.25% of the payment is better than none, and with the price of fuel, if it saves having to drive back to get paid, it could well be worth it.

 

H-A

 

Very good point on the fuel, driving to bank etc

[landrover 101]

2.75% is high for a permanent dedicated terminal but for something with no monthly fees its not to bad

 

If you don't take anything on card and are still shelling out £15 or £20 quid every month for something you don't use just to get 3/4 of a percent better on the rate you are actually better of with the higher rate and no monthly outgoing when not in use

 

 

 

 

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[Ian Leach]

There are a few about izettle is another one, might look into the PayPal one too. Has anyone worked out the percentage you pay with PayPal ?