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Payment by Credit Card

Posted: Thu Jun 15, 2006 8:29 am
by busy mole
Are being asked more and more "Do you take credit cards", and we are now wondering about the viability of having this facility. We have read the ads in the NMTF for mobile credit card taking ie. mobile phone and what I can only assume is a wireless handset with another system, and although at first glance seems quite well priced it is the months when we are not at fayres that concern us.

Has any one any ideas, suggestions, advice

Posted: Thu Jun 15, 2006 9:28 am
by sally
I've been wondering the same thing. I 'think' Paypal now do a mobile phone operated transfer, but I haven't looked into it and not everyone likes Paypal, but possibly a partway option if its available?

Posted: Thu Jun 15, 2006 10:02 am
by Drachelis
We took the plunge last year and it has definitely paid off.
Ming worked out all the finances and if you can afford it - it is better to buy the handset outright, otherwise you have to commit to a three year contract and pay every month. after that initial outlay which was around £600 - and what ever your bank chaqrges to set up a merchants account - we got ours free ( Barclays) ther is the phone line rental which amounts to under £6 per month - any other charges are made only when we use the Account - the 2% or whatever.

Suits us really fine - we can take phone payments with the customer not present too. We get a weekly transfer of amounts into our business bank accounts.

Before we had the facility we lost sales because we didn't take plastic - with high priced items like the frocks, folk will buy if they can put it on a card - quite a few people don't carry a cheque book nowadays and at festivals there isn't always a cashpoint facility.

For us three not lost sales has paid for it all - and show per show our takings are up markedly on last year's when we didn't have the facility.

I would say - take the plunge.



Cheryl
Shadowlight Designs

Posted: Thu Jun 15, 2006 6:19 pm
by zauberdachs
I never really understand people nervousness at paypal, is it perhaps technophobia or the desire to avoid giving credit details over net?

Ether way paypal gives you free and secure credit card transfers :) I would recommend it with two thumbs up.

Posted: Thu Jun 15, 2006 6:55 pm
by nerf herder
I know of at least two people who have lost heaps of money through Paypal being "phished" in some manner - whether it was their own stupid fault I don't know, but when I started using Paypal I was warned by many that the system is "not secure".

In three years of use, I have never had a single problem with it, so much so that a couple of those who warned me off now use it themselves.

Go figure :roll:

Personally, I suspect an Urban Myth

Nerfy

Posted: Thu Jun 15, 2006 8:52 pm
by Lord High Everything Esle
Too much phishing maybe? But I find it a great asset as long as you always sign on directly to the site and don't follow links from phishing emails you are safe.



zauberdachs wrote:I never really understand people nervousness at paypal, is it perhaps technophobia or the desire to avoid giving credit details over net?

Ether way paypal gives you free and secure credit card transfers :) I would recommend it with two thumbs up.

Posted: Thu Jun 15, 2006 9:06 pm
by Lord High Everything Esle
The paypal mobile scheme is for buyers to set up payments with their own mobile not sellers to take payments on their own mobile as far as I can tell.

Maybe if we all shout loud enough they will offer this service.

Or we might save Tinkerbell at the very least. :lol:

Posted: Fri Jun 16, 2006 9:05 am
by busy mole
We use Paypal on our website and, although I am clearly tempting providence now, have not had problems. The mobile paypal system does seem to be for payers to set up their phones to pay as LHEE says but a system to accept payment would seem a logical step. This could be in a week or a year or never I suppose. Still giving this thought but becoming more and more convinced that we need it.
Thanks for the input any more suggestions gratefully recieved.

Off to Tatton this weekend- see if any punters ask to pay with plastic, actually happy if any punters ask to pay at all.

:)

Posted: Fri Jun 30, 2006 2:46 pm
by PotBoy
Some banks allow you to hire a mobile credit card machine but they cost about £60.00 per weekend and then there are the call charges on top of this.

For our website we use www.protx.com. They charge £30.00 per month. You need to obtain a merchant id number from your bankers (your bank make a per transaction charge in pence for debit cards and %age for credit cards) you then link your website to Protx payment page (they even match it to your site so it is seamless), and your customers make payment this way. The transaction is effected immediately so if the customer's card fails they are advised straight away. You then log in and can see the transaction details (you don't see the card details). They also score the transaction - ie. does all the information given match the card issuer's details and advises you accordingly.

This can work out a bit more expensive than Paypal but it is a proper company and extremely safe and secure. We have never had any problems with them.

A cheaper option for fayres could be to have a manual machine (which banks do not charge for) and to telephone through to the authorisation desk for an approval (it takes no longer than a machine in a shop takes). Although their charges for paying in these can be quite high.

Posted: Thu Jul 13, 2006 7:38 pm
by Steve Stocker
Another method if you have PROTX or a similar online provider is to use the VSP terminal page by browsing online with a PDA/telephone.
You need a mobile device that will handle secure web pages and it's best if you are in a 3G area (fast).
An 18 month contract with O2 for an XDA phone is £260.00ish plus tariffs, a chip & pin terminal costs around £600. And from what I saw at Tewkesbury (trader waving chip & pin terminal high in the air to get a signal), the O2 coverage is better. Go figure.

Posted: Fri Sep 01, 2006 1:38 pm
by clive
we have one of the all in one units that use gprs and has served us well this past year.
I will try nd find out the contact details and pass them onto yuo this weekend