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How do you take card payments
I need to set up a virtual terminal so that i can take payment over the phone. I previously used the one that came with Quickbooks but they’ve stopped now so i am looking for an alternative.
What does everyone use? -
14 Replies
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Depending on the volume & amounts you’re taking, you can go to a merchant such as Worldpay, or use a service like Izettle, Stripe, Paypal.
One thing to look out for is mega long contracts, and their fee’s.
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Just gathering quotes just now, so far from worldpay and first data
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There’s also the PCI compliance questionnaire, put a day to one side to complete it, if you don’t do it there’s hefty fee’s for being non compliant. :shake:
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I was with Card Save.
Looks like they’ve merged with World Pay.
By joining with them at the time – I had special rates wit TNT.
I was happy with them.
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I’m thinking the PayPal option initially. Yes the transaction rates are higher 3.4% + 20p per transaction but there are no monthly fees or minimum transaction clauses. I don’t take a huge amount by card and there is no contract to tie me to them if I choose to go for a subscription option later on.
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Hi Ewan,
Had difficulty with PayPal holding money for months on end as we have transferred the money out to quickly in there opinion. We also had money float for 18 months once because the customer put "gift voucher" in the description for some reason.
I also know a retail store that had there entire monthly takings frozen for 6 months through PayPal.
I’ve heard of a system called "Wave" it’s like quick books.. I think you can take card payments on it.
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If I remember well… was paying around 20 pence per transaction for debit card and 1.8% for credit cards.
It was cheapest at the time. -
Credit & debit cards are both charged as a % now, just haggle a good deal. For us its a necessary evil, worth paying the monthly fee and charges as we get paid there and then.
Worldpay do their own version of a PAYG mobile terminal I think?
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Another that’s just popped into my head is Izettle. It’s portable to as plugs into your phone and uses the data. Works on %. No contract.
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Try Payatrader.com i had a terminal and web based application they are really good
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We use Sage pay for our card terminal for face to face and over the phone transactions and also for our ecommerse online shop. They do offer a gateway so you can take card payments over the phone just by login in online to there gateway website. There is PCI to take into account but it’s only a short multiply choice questionnaire which takes about 20mins. You also need to apply for American Express separately if you want to accept that as well.
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World pay, we have just signed up for a salon we are opening.
£100 if you nominate another person
Low rates on cards,
Free gateway for websites, they will set it up for you
18 month contract
£17 pm for the terminal6% discount at morrisons, tesco etc I kid you not :claps:
Fees! Increase your prices to cover it, if it’s sign related, nobody will notice a 1-2% increase, most of us price on the fly anyway for some things.
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Thought i’d update.
I decided to go with First Data with a virtual terminal
£12 a month
Compliance £4.99 a month
Transaction charge £5 a month
CC – 1.65%
DC – 0.65%
BCC – 2.05%Rolling monthly contract
Thanks for everyones input
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