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    • vics 1982
    • By vics 1982 5th Dec 17, 1:10 PM
    • 184Posts
    • 94Thanks
    vics 1982
    Card Machine
    • #1
    • 5th Dec 17, 1:10 PM
    Card Machine 5th Dec 17 at 1:10 PM
    Hi All,

    We have a small business selling paving slabs / concrete posts and fencing etc, we only accept cash or bank transfers at the moment but are getting asked about card payments more and more.

    Can anyone recommend a good card reading machine that is mobile please?

    A rough idea of cost would be great, out bank (Barclays) seem quite high

    TIA,
    Vics
    Sainsbury CC - 1597.25 0% 18 mths left 37.57 Per month DD

    Savings Goals 6500K / 10000K
Page 1
    • Neil Jones
    • By Neil Jones 5th Dec 17, 7:25 PM
    • 1,378 Posts
    • 835 Thanks
    Neil Jones
    • #2
    • 5th Dec 17, 7:25 PM
    • #2
    • 5th Dec 17, 7:25 PM
    some do it PAYG - iZettle for example.
    https://www.izettle.com/gb

    You can install their app on your Bluetooth enabled smartphone and use the card reader to take payments. Initially its free, you just pay for the card reader and there are no ongoing fees, they just take 1.75% of the payments you put through it so if you go for two months without any card payments, you don't pay "rental" for those two months.
    • c-m
    • By c-m 6th Dec 17, 6:59 PM
    • 745 Posts
    • 253 Thanks
    c-m
    • #3
    • 6th Dec 17, 6:59 PM
    • #3
    • 6th Dec 17, 6:59 PM
    One thing to watch out for with card/merchant accounts is the delay between a customer paying, and you getting the cash. With some of the new mobile payments, there can be a significant delay.

    If it were me I go with Paypal since they are a big name all your customers will have heard of, so won't be fazed when you pull out this mini card reader. Of course, you need to choose something that suits your business needs.

    It's a year old now, but this article covers some of popular mobile readers.
    http://moneysavinganswers.com/business/mobile-card-readers-accepting-debit-and-credit-cards/
    • phill99
    • By phill99 6th Dec 17, 8:07 PM
    • 8,135 Posts
    • 7,355 Thanks
    phill99
    • #4
    • 6th Dec 17, 8:07 PM
    • #4
    • 6th Dec 17, 8:07 PM
    I have used Worldpay Zinc for a number of years now. No set up costs, no contract and no monthly fees. They charge 2.75% on each transaction and that's the only cost you pay. Some months I will have no card payments and other months 4 or 5. So this works for me. You have a card reader that is linked via blue tooth to your mobile phone or ipad.


    I found it easy to set up and the customer support is uk based and pretty decent
    Eat vegetables and fear no creditors, rather than eat duck and hide.
    • Neil Jones
    • By Neil Jones 7th Dec 17, 6:34 PM
    • 1,378 Posts
    • 835 Thanks
    Neil Jones
    • #5
    • 7th Dec 17, 6:34 PM
    • #5
    • 7th Dec 17, 6:34 PM
    Paypal might be the best known solution and maybe the quickest (if you do a manual transfer) but they're far from being the cheapest.
    • gravitytolls
    • By gravitytolls 17th Dec 17, 11:31 PM
    • 12,997 Posts
    • 23,207 Thanks
    gravitytolls
    • #6
    • 17th Dec 17, 11:31 PM
    • #6
    • 17th Dec 17, 11:31 PM
    Hi,

    I purchased the iZettle, but I'm now worrying about the lack of receipts, but the cost of an accompanying printer is huge in comparison to the reader itself.

    How important is the receipt do you think? Assuming there's a receipt for purchases via till.
    I ave a dodgy H, so sometimes I will sound dead common, on occasion dead stupid and rarely, pig ignorant. Sometimes I may be these things, but I will always blame it on my dodgy H.

    Sorry, I'm a bit of a grumble weed today, no offence intended ... well it might be, but I'll be sorry.
    • Savvy_Sue
    • By Savvy_Sue 18th Dec 17, 12:02 PM
    • 38,747 Posts
    • 35,527 Thanks
    Savvy_Sue
    • #7
    • 18th Dec 17, 12:02 PM
    • #7
    • 18th Dec 17, 12:02 PM
    I'm sometimes offered the option of a receipt being emailed to me, can you do that?
    Still knitting!
    Completed: 1 adult cardigan, 3 baby jumpers, 3 shawls, 1 sweat band, 3 pairs baby bootees,
    1 Wise Man Knitivity figure + 1 sheep, 2 pairs socks, 2 hats 2 balaclavas for seamen, 1 balaclava for myself ...
    Current projects: Poppies, mohair cardigan pattern arrived and going strong!
    • Pennywise
    • By Pennywise 18th Dec 17, 12:22 PM
    • 10,326 Posts
    • 19,259 Thanks
    Pennywise
    • #8
    • 18th Dec 17, 12:22 PM
    • #8
    • 18th Dec 17, 12:22 PM
    Hi,

    I purchased the iZettle, but I'm now worrying about the lack of receipts, but the cost of an accompanying printer is huge in comparison to the reader itself.

    How important is the receipt do you think? Assuming there's a receipt for purchases via till.
    Originally posted by gravitytolls
    I'd be very unhappy about paying by card and not being given a card payment voucher.
    • WibblyGirly
    • By WibblyGirly 18th Dec 17, 9:17 PM
    • 391 Posts
    • 688 Thanks
    WibblyGirly
    • #9
    • 18th Dec 17, 9:17 PM
    • #9
    • 18th Dec 17, 9:17 PM
    I email receipts to customers via my iZettle as the app allows this.
    • Percy1983
    • By Percy1983 10th Jan 18, 12:52 AM
    • 4,973 Posts
    • 7,820 Thanks
    Percy1983
    SumUp is the cheapest and the card reader is great.

    Only 1.69% no rental.

    https://sumup.co.uk/

    The app lets me send receipt via email and/or text message, no customers have had an issue for this.
    Have my first business premises (+4th business) 01/11/2017
    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
    • lon_don
    • By lon_don 1st Feb 18, 9:03 AM
    • 24 Posts
    • 0 Thanks
    lon_don
    Sumup
    Hi Percy,

    Could you let me know how is the performance of sumup ? Is it working reliably day in day out, or does it experience downtime (that could last a whole day for instance) ?
    I've been with wpz for 4yrs, got a promotional rate of 1.95% (no minimum volume) so not too bad, have gone thru at least 3 or 4 card readers (each time had to buy new card reader when old one broke down). But my 2 main gripes are: reliability can be spotty (service down, not accepting payment, could last for whole day; also not infrequently card declined at first try then accepted at 2nd try so time-consuming and annoying for client) + wpz does not take Amex (sumup does, right?).
    So I'm now tempted to switch to sumup, for the slightly better rate, for Amex, and hopefully a bit better reliability. Will probably keep wpz as backup.
    Thanks for any feedback.
    • bris
    • By bris 1st Feb 18, 7:23 PM
    • 7,729 Posts
    • 6,715 Thanks
    bris
    It's all about turnover, if you have a good turnover then a proper merchant like Streamline is the way to go.


    The rates are low and it's debit card transaction are set at 20-25p regardless of the amount rather than 2.75% that the likes of Paypal etc charge.


    The I-zettles etc are handy for people on lower turnovers as there is no contract but any established business would be mad not to go with a proper merchant.
    • lon_don
    • By lon_don 2nd Feb 18, 2:30 PM
    • 24 Posts
    • 0 Thanks
    lon_don
    Bris, what is the PAYG "transaction rate" at Streamline.
    Their website says this (for PAYG):


    Charges

    No fixed montly commitment and a single transaction rate**

    Transaction authorisation fees apply
    Gateway fee, 10p per transaction


    but I cannot find anywhere the details. How much for instance do they charge to take payment with Visa cc & Amex cc ?


    Also it seems Streamline belongs to Worldpay, is their data connection more reliable than wpz ? I guess as the service is more professional, it should be.


    How much per month would turnover qualify as "good" ?


    Thanks for your feedback.

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