Mobile Card Payments

Steve_B · 13 January 2013, 18:57

Does anyone have experience of the iZettle account/card reader?

It is relatively new to UK and used in conjunction with iPhone/iPad.

Feedback appreciated

Regards
Steve

falcon0310 · 13 January 2013, 19:57

what good idea ? what do they charge ?

C2 RIBS · 13 January 2013, 20:02

https://www.izettle.com/

falcon0310 · 13 January 2013, 20:22

just seen that bit more than paypal tho

Tim M · 13 January 2013, 21:13

I signed up for this recently. Having signed up I've since discovered:
-It's hard to accept Visa
-The limits per transaction are quite low (so no good when selling boats/engines etc)
-It takes up to 14 days for the money to hit your bank account!!
-You can't do transactions over the phone.

falcon0310 · 13 January 2013, 21:36

So what max payment ? Tim

Ruari 29 · 13 January 2013, 21:59

I looked at something similar for the smartphone only down side was no paper receipt, there was an option to email it.
My thought was would I be comfortable putting my card into someone's phone. ...reputable company or not.

Skippy John · 14 January 2013, 05:27

To be honest I wouldn't be happy putting my card into a phone or any portable device that's not within the companies location especially if it doesn't prodiuce a paper receipt for me.

From a company view point i don't want to wait 14 days for my money nor do i want to pay 2.75% on every transaction. I can't remember waht we pay now but iot's certainly well less than 2.75% and we only pay about 45p for debit cards. our bank account is credited within 48 hours for all our card payments (which must be over 80% of our business excluding invoice payments)

We've struggled with the 'Card Holder Not Present' for some time and with the change in banking regulations we can't now, just like you, accept emailed card details. We now have a direct computer access system which works through our Merchant Services provider and it works just as well as inserting a card into the standard terminal. We only take payments at the base so if we're off site and need to process a card we do a card holder not present transaction back at base.

Why not try to have someone abvailable to do the CHNP transaction for you back at base rather than this system which isn't, in my view, in your favour.

Poly · 14 January 2013, 07:28

Steve I am assuming you currently use a proper machine with a 3G/GPRS transmitter built in? As a customer that looks professional and suggests some confidence in handing over your card to a guy in a glorified ice cream van* selling boat trips and who may or may not disappear next week, especially if I am on holiday many miles from home.

I am aware of izettle (and others who are still stateside only I think), most consumers will not be. If a street vendor had one it would suggest to me (i) there is some odd reason they don't have a proper card machine? OR (ii) they do very small number of C/card transactions and this is "just in case". I don't think either applies to you.

* [no offence intended for your particular operation which may inspire more confidence!]

C2 RIBS · 14 January 2013, 07:48

Steve world pay have issues us a pay as you go terminal linked to phone app, initially client had to be present but now coming on line with tele sales. Proper card unit rather than a clip on

C2 RIBS · 14 January 2013, 07:49

Quote:

Originally Posted by C2 RIBS

Steve world pay have issues us a pay as you go terminal linked to phone app, initially client had to be present but now coming on line with tele sales. Proper card unit rather than a clip on

We use this as most bookings are advanced sales so done on banker transfer on invoice . Don't do enough face to face to justify monthly fees

Ruari 29 · 14 January 2013, 09:21

In 2012 all my trips were cash only, as we operate a hardboat all out trips are under £20, 1 person only this year asked to pay by card.
With trips say at £36 each and a family wanting to pay the chance of having that kind of cash to hand is slim.
I'm looking into online booking as I feel that is the answer, save me time with bookings, taking card payments and probably phone calls and if they still want to pay cash on the day then fine.

Starovich · 14 January 2013, 12:27

We have over 150 people using Mobile POS | credit card machine | merchant services from Adelante Software Ltd on a daily basis and it all seems to work ok

Steve_B · 14 January 2013, 12:57

Thanks for all the feedback.
I too felt uncomfortable about the iPhone plug-in device, but then I though I might just be "old fashioned".
To be honest 40% of trade is on-line bookings and the rest seem happy to pay cash (even large amounts) as we have a cash point 25m away. We are looking into the WorldPay terminal, but the monthly payments do make it less attractive.
I am surprised that it takes 14 days, as all the info put out be Izettle states 4 days!
Thanks as always for the feedback.

Regards, the guy in the glorified ice-cream van

Steve

C2 RIBS · 14 January 2013, 13:03

Quote:

Originally Posted by 250kts

Thanks for all the feedback.
I too felt uncomfortable about the iPhone plug-in device, but then I though I might just be "old fashioned".
To be honest 40% of trade is on-line bookings and the rest seem happy to pay cash (even large amounts) as we have a cash point 25m away. We are looking into the WorldPay terminal, but the monthly payments do make it less attractive.
I am surprised that it takes 14 days, as all the info put out be Izettle states 4 days!
Thanks as always for the feedback.

Regards, the guy in the glorified ice-cream van

Steve

Stve. see if they will offer you the pay as you go worldpay machine, we have it as FSB members and this is roled out now with client not present also. No monthly pay charges so winter no fess and transaction charges reasonable

Ruari 29 · 14 January 2013, 17:20

Noticed PayPal offering a virtual terminal and built in merchant account. Don't know enough about it but thought I would post link
https://www.paypal.com/uk/webapps/mpp/pro

Poly · 14 January 2013, 17:46

Ruari, Paypal Virtual Terminal can only be used for cardholder not present transactions (i.e. telesales) - not for processing payments with a card.

For those of you with web booking facilities - would it actually be easier / cheaper to have a touchscreen (e.g. tablet) mounted at your booking office that is "locked" to your website and lets the user buy an immediate ride themselves? Might be some technical rules about using webstuff for cardholder present sales... but you could even let them generate a voucher or code to hand over.

Daniel · 14 January 2013, 18:28

We use virtual terminal at exhibitions for customer present transcations.

Had to jump through some extra hurdles and they ring fence the money for 30 days.

SPR · 14 January 2013, 18:31

Quote:

Originally Posted by Poly

Ruari, Paypal Virtual Terminal can only be used for cardholder not present transactions (i.e. telesales) - not for processing payments with a card.

For those of you with web booking facilities - would it actually be easier / cheaper to have a touchscreen (e.g. tablet) mounted at your booking office that is "locked" to your website and lets the user buy an immediate ride themselves? Might be some technical rules about using webstuff for cardholder present sales... but you could even let them generate a voucher or code to hand over.

easyrentacar used to do this of still...