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Hi, me again!,
With less people seeming to have cash in the house & Cheques being fazed out everywhere, whats the best way to take card payments?,
As i will be out on the road with no-one at home, is it unreasonable to ask for card details before i go to a call, (so that i can somehow verify the card before calling if thats the way they want to pay).?
It seems having a card device on the road is a very expensive option?
So what do you all use?This is something that I want to look into, I’m sure that, collectively, we could get a deal with one of the banks for mobile terminals.
Martin has one I think, but as you say it’s not so cheap. He’s got more money than sense though. 😆
K.
Re: C.Card payments
yeah, see my problem will be, if i go to a customer & offer card payment as an option, then i would have to take the card details on paper & process later at home, not ideal, but if i ask for card details when taking a call that would put a lot of people off too!, what i could do with is a system where if im at a customers house, i could call someone/somewhere & provide the card details for the charge to be taken then have it paid to me later, (obviously there would be a handling charge, but that could be ‘absorbed’) just wondered if such a thing existed, and how all the other guys cope
Re: C.Card payments
ok, paypal seems a good idea, but how do you process it in customers house, also BACS, most customers would not know what that is, what do you offer P45 when they first call?
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I stand over their shoulder at the computer whilst they type in the numbers I give them. Works for me…….. Bear in mind that Paypal charge commission, so add a bit on.
Chris.
Re: C.Card payments
so this kind of links into my other post, if they use paypal you have to be online, so who do you use for a regular reliable online connection? (sorry you already said dial up)
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McDonalds……..
Stop laughing at the back and get on with your work. :lesson:
Honest, it’s quite good.
Chris.
Re: C.Card payments
In the old days when credit card payments were done on bits of paper that you signed there was a “shop limit” below which you didn’t need authorisation. Is this still the case or do all payments now have to be authorised?
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Keeping card numbers on a bit of paper… err… credit card flying squad winging it’s way to you now!
Seriously, they get a tad upset about it and, as I recently found out, they can fine you if you appear to have fraudulent transactions on your data and, it’s a lot, an awful lot. 😕
K.
Re: C.Card payments
hotpnt wrote:Hi, me again!,
With less people seeming to have cash in the house & Cheques being fazed out everywhere, whats the best way to take card payments?Loads of info on the subject hotpnt, in fact you asked the same question last July? Anyway try this lot: –
http://www.ukwhitegoods.co.uk/modules.p … streamline
http://www.ukwhitegoods.co.uk/modules.p … streamline
http://www.ukwhitegoods.co.uk/modules.p … streamline
http://www.ukwhitegoods.co.uk/modules.p … streamline
hotpnt wrote:As i will be out on the road with no-one at home, is it unreasonable to ask for card details before i go to a call, (so that i can somehow verify the card before calling if thats the way they want to pay).?
No need, using a GPRS terminal the card is verified the moment you slot it in 😀
hotpnt wrote:It seems having a card device on the road is a very expensive option?
If you’re VAT registered (which I’m not thank God) then VAT is lost in the transaction charges and cannot be reclaimed (as far as I recall anyway?) so it can be a costly loss? I pay on average £30 per month in transaction charges, usually take debit card payments anyway @ 20pence a go (that’s cheap man!) and rent the terminal from 123send.com at a cost of £35 per month.
Just £65 per month outlay for £1,000’s of dosh that goes staight into my bank account – guaranteed, up front 😀
Don’t know about BCAS & Paypal but I’m sure it must involve lots of form filling and fussing around on computers? When I’m stood on the kitchen floor requesting payment the customer doesn’t have one of those in her handbag. It’s cash, cheque or card usually….:wink:
Re: C.Card payments
Or, if you have a manned office you can use the “mail order” function and just call it in and process the transaction there and then over the phone.
The cheapest way to do that is to use an online terminal, we use PROTX’s VSP terminal for UKW which costs £20 month up to a certain number or value of transactions then you go onto a per transaction fee. However you will need a merchant account with the likes of Streamline to do that, but it is cost effective.
This online way though you can process the card, in the house, using the online terminal and an internet connection and it will allow you to take most major cards.
For multi-engineered businesses you can set the access permissions for each sign on I’m sure which would let engineers take a payment but not see what’s in the account or any history etc.
Loads cheaper than a mobile terminal but you will need that net connection, GPRS would be okay though if a little slow.
HTH
K.
Re: C.Card payments
Thanks k, do you have any links to the internet online terminal please?, and yes i did ask about this subject last year, but thought a lot may have changed in the last 9 months, thanks for all the tips though
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We use mobile terminals, just like a mobile phone through Vodafone, it is expensive about £40-00 including vat and rental of Pay Meter, and Barclaycard Merchant services is minimum £20 a month, but it saves a lot of time and hassle, payment is quick and easy and customers are now so used to chip & pin they cant even find their cheque books anyway.
Been using this system nearly 5 years now and we find it very useful.
Dave
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