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  • FIRST POST
    • justme111
    • By justme111 1st May 17, 2:33 PM
    • 2,757Posts
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    justme111
    Card machine
    • #1
    • 1st May 17, 2:33 PM
    Card machine 1st May 17 at 2:33 PM
    Going to offer a service for which I would like to be able to take payments by card. Could you please advise on pros and cons of different systems/acquirers . Turnover may be a couple of thousands a year at best , would be just occasional transactions in the beginning. Thank you
Page 1
    • theonlywayisup
    • By theonlywayisup 1st May 17, 2:52 PM
    • 10,738 Posts
    • 7,197 Thanks
    theonlywayisup
    • #2
    • 1st May 17, 2:52 PM
    • #2
    • 1st May 17, 2:52 PM
    Are you talking face to face, online or telephone (or some/all of those).
    • justme111
    • By justme111 1st May 17, 3:09 PM
    • 2,757 Posts
    • 2,645 Thanks
    justme111
    • #3
    • 1st May 17, 3:09 PM
    • #3
    • 1st May 17, 3:09 PM
    Face to face. Been searching, found "sumup" one.
    May be a stupid question- it looks like it will not be able to emit receipts. Any other option with receipt option? Or is it going to be much more expensive?
    Found the thread on it on a second page of forum , this question must be asked every couple of weeks, apologies for adding to the same questions.
    Last edited by justme111; 01-05-2017 at 3:27 PM.
    • theonlywayisup
    • By theonlywayisup 1st May 17, 4:51 PM
    • 10,738 Posts
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    theonlywayisup
    • #4
    • 1st May 17, 4:51 PM
    • #4
    • 1st May 17, 4:51 PM
    We use a mix of HSBC for face-to-face and Worldpay for online. HSBC provide a handheld device and prints the payment receipt. It's very old and we've had it forever.

    Have you tried looking at Paypal Merchant services, purely because it's very easy to set up - caveat being I don't know what, if any machines they can provide.

    You will need to be PCI DSS compliant. It looks complicated but isn't.

    https://www.paypal.com/uk/webapps/mpp/merchant
    Last edited by theonlywayisup; 01-05-2017 at 4:54 PM.
    • phill99
    • By phill99 1st May 17, 5:06 PM
    • 7,912 Posts
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    phill99
    • #5
    • 1st May 17, 5:06 PM
    • #5
    • 1st May 17, 5:06 PM
    I use world pay zinc. Its a small card reader that is blue toothed to a smart phone or tablet.


    There are no monthly charges, no set up fees or minimum contract.


    You just pay 2.75% of the transaction to world pay, taken by direct debit in the next month.


    It doesn't issue paper receipts, but it emails them.


    I have been using it a number of years and would recommend it for infrequent payments.
    Eat vegetables and fear no creditors, rather than eat duck and hide.
    • deegee1971
    • By deegee1971 4th May 17, 1:50 PM
    • 13 Posts
    • 3 Thanks
    deegee1971
    • #6
    • 4th May 17, 1:50 PM
    • #6
    • 4th May 17, 1:50 PM
    My girlfriend uses iZettle - one off purchase of the card machine (£15-30 if I recall). No monthly fees, just 2.75% (which reduces, the more payments you take).
    Can thoroughly recommend it.
    • getmeouttahere
    • By getmeouttahere 16th May 17, 11:04 AM
    • 194 Posts
    • 43 Thanks
    getmeouttahere
    • #7
    • 16th May 17, 11:04 AM
    • #7
    • 16th May 17, 11:04 AM
    We use a company called Card Cutters. We have a mobile GPRS terminal so our monthly rental is higher (as we take payment on delivery occasionally), but card processing fees are the lowest I found, at around 1.3% (we only take about £600 a month on the machine, so not a high usage at all).
    • bexman
    • By bexman 17th May 17, 2:49 PM
    • 29 Posts
    • 8 Thanks
    bexman
    • #8
    • 17th May 17, 2:49 PM
    • #8
    • 17th May 17, 2:49 PM
    Another vote for iZettle, been using them without issue for several years. They even offer contactless machines now, i'm still on chip/pin but it's ideal for the odd transactio and the phone app it connects to is very good too.
    • Percy1983
    • By Percy1983 24th May 17, 4:01 PM
    • 4,961 Posts
    • 7,810 Thanks
    Percy1983
    • #9
    • 24th May 17, 4:01 PM
    • #9
    • 24th May 17, 4:01 PM
    I use the sumup machine, it is the cheapest with lower turnover (less than £5000 per month).

    I believe it can be linked with some printers I will admit I haven't tried this, it also offers receipts via text or email which people seem fine with.

    Here is a review and an offer for the machine cheaper:
    https://www.mobiletransaction.org/sumup-review/
    Quit day job to run 3 businesses 08/02/2017
    Started third business 25/06/2016
    Son born 13/09/2015
    Started a second business 03/08/2013
    Officially the owner of my own business since 13/01/2012
    • angryparcel
    • By angryparcel 25th May 17, 2:42 PM
    • 910 Posts
    • 515 Thanks
    angryparcel
    you could also use a service like Payatrader.com where all you need is a smartphone or tablet
    • lynseydee
    • By lynseydee 15th Jul 17, 1:41 PM
    • 1,620 Posts
    • 7,444 Thanks
    lynseydee
    I don't have a great understanding of SumUp and iZettle but am I right in that if you can't get wifi then they won't work? Also I've seen mention of connecting to Bluetooth but as this is something I don't understand not sure what it means. Can anyone help as I would love to be able to get something so I can take card payments but I do my stalls. Thanks
    Did owe £9,951.96

    Now helping hubby pay off loan. Finally paid off

    Owe Virgin £5,950.00 at 0% til June 2009 £3,427.89. Owe HSBC £5,460.78 2.9% til May 2010 £3,703.07. Owe Post Office £1,676.62 at 0% til September 2010
    • angryparcel
    • By angryparcel 15th Jul 17, 1:50 PM
    • 910 Posts
    • 515 Thanks
    angryparcel
    I don't have a great understanding of SumUp and iZettle but am I right in that if you can't get wifi then they won't work? Also I've seen mention of connecting to Bluetooth but as this is something I don't understand not sure what it means. Can anyone help as I would love to be able to get something so I can take card payments but I do my stalls. Thanks
    Originally posted by lynseydee
    you can get various apps that will also turn your mobile or tablet into a mobile terminal, even the dedicated mobile card terminals require a wifi connection, but this does not stop these from working as all you need it a phone that you can turn into a mobile hotspot and use that connection
    • Robin9
    • By Robin9 22nd Jul 17, 9:26 AM
    • 1,561 Posts
    • 1,018 Thanks
    Robin9
    Has anyone a recommendation for a basic smartphone for use with iZettle?
    No need for camera or bells and whistles.

    Tried to run the app on my Moto E gen 1 but not enough capacity.
    • Percy1983
    • By Percy1983 2nd Aug 17, 2:54 AM
    • 4,961 Posts
    • 7,810 Thanks
    Percy1983
    I don't have a great understanding of SumUp and iZettle but am I right in that if you can't get wifi then they won't work? Also I've seen mention of connecting to Bluetooth but as this is something I don't understand not sure what it means. Can anyone help as I would love to be able to get something so I can take card payments but I do my stalls. Thanks
    Originally posted by lynseydee
    In short if you have a smart phone you install the app and connect the phone and card reader via Bluetooth, past that it will then use your phones internet connection to do the transaction which can be mobile internet (3g/4g) or wifi.

    In short I can use my sum up machine anywhere I get a mobile signal.
    Quit day job to run 3 businesses 08/02/2017
    Started third business 25/06/2016
    Son born 13/09/2015
    Started a second business 03/08/2013
    Officially the owner of my own business since 13/01/2012
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