[p1w1]

can anyone see any difference between pay a trader and paypal except for pay a trader costs £75 to join and takes longer to get the money into your own bank account then paypal or does anyone use it , does it have features that paypal doesn't just seem daft to pay for that service when its nearly free with pay pal and paypal is more well known  .

[jeremy evans]

Never used it but with my bin cleaning business which has 1500 custys i used to offer Nochex alongside paypal and i had hardly anyone use it. In the end gave up on it as it was more work to check it than in was worth, paypal was 20 times more used.

[supernova77]

I use Nochex as an option for payment... The customer doesn't need a Nochex account, they just use their credit or debit card.

Have a look (and pay me some money to test it   )

http://pay.iconicwindowcleaning.co.uk

Andy

[Tom White]

I like bank transfer.

I advertise on my stationery that I take payments by bank transfer and just ask customers to send me an e-mail and I'll send them my bank details.

I do it this way because I like to have customer's e-mail addresses, 'cos them I can chase them up politely, from the comfort of my office (aka spare bedroom) if they're late in paying.

[Smudger]

I like bank transfer.

I advertise on my stationery that I take payments by bank transfer and just ask customers to send me an e-mail and I'll send them my bank details.

I do it this way because I like to have customer's e-mail addresses, 'cos them I can chase them up politely, from the comfort of my office (aka spare bedroom) if they're late in paying.

spot on !

Darran

[Tom White]

I have a customer in New Zealand and I clean the house he rents out.  It's £30 every-other-month; and it takes about 15 minutes.

I clean the house, e-mail the guy who lives in Christchurch, NZ, and within 24 hours he's paid me; all the way from New Zealand.  (He also gave me a £30 tip at Christmas, so I got £60 for a 15 minute job - I keep an eye on his property and report back how his tenants are looking after his property.)

Yet Mrs Smiff from just down the road owes me for three cleans!!

 

[p1w1]

i do use paypal, bank transfer etc with bank transfer becoming more popular, i just wondered what the difference was between pay a trader and paypal and i guess its nothing except pay a trader expects you to pay £75 for the service plus a percetage of the payment made by a customer.

[Antony Quinn]

we are setting up with https://gocardless.com/

they look pretty good

[Sean Dyer]

I have a customer in New Zealand and I clean the house he rents out.  It's £30 every-other-month; and it takes about 15 minutes.

I clean the house, e-mail the guy who lives in Christchurch, NZ, and within 24 hours he's paid me; all the way from New Zealand.  (He also gave me a £30 tip at Christmas, so I got £60 for a 15 minute job - I keep an eye on his property and report back how his tenants are looking after his property.)

Yet Mrs Smiff from just down the road owes me for three cleans!!

 

I have a custy in aus who leaves her home empty in cheshire for 6 months during our autimn winter , they still have me clean it every 4 weeks and like yours tosh pays as soon as she gets the email

Those customers are great , but like you i also have all the local ones owe me small fortune but some of that is my fault as 50 % still gets collected and i hate collecting Need to wean them off it over the next year

[Linda - Payatrader]

PayPal offers a similar “virtual terminal” based service to Payatrader, but:

PayPal
It’s  more expensive per transaction at 3.40% for low volume payments versus Payatraders rates of 2.3% to 2.95%
PayPal charges an extra 20 pence per transaction on top of it’s % rate
PayPal charges £20 per month for online payments using a virtual terminal  - with Payatrader the virtual terminal is FREE
PayPal requires traders to apply for lower rates if they qualify (but it's difficult for small traders to qualify) whereas Payatrader automatically gives you its best rate each week based on turnover
PayPal reverts to higher % rates if a user fails to process the banded turnover every month, once reached.

PayPal doesn’t:
Provide a 24/7 call centre payment facility
Pay funds directly into the traders bank account – they lodge funds in the PayPal account
Specifically cater for the trades market – no trader stationery / van decals/ support for householders
 
Payatrader
With Payatrader, which costs £74 to join with the CLEANITUP referral code
You get a FREE web payment button to download to your web page
You get a FREE virtual terminal so you can take payments over the phone
You can also take payments using an iPad and mobile phone
There's a 24/7 contact centre that takes payments if a customer prefers not to pass their card details to the trader directly.

You can also build a customer database & send email requests for payment with an embedded link - great for window cleaners as it saves visiting in the evenings, making phone calls or waiting for a cheque to arrive in the post!

The processing rates are lower & Payatrader automatically applies the best rate based on weekly turnover - you don't have to apply for it.

You can be set up within a few minutes, including the virtual terminal.

There are quite a few forum members who use, especially carpet cleaners. If you need a reference just contact me.

This is based on my personal research

Hope this helps

Linda

[p1w1]

PayPal offers a similar “virtual terminal” based service to Payatrader, but:

PayPal
It’s  more expensive per transaction at 3.40% for low volume payments versus Payatraders rates of 2.3% to 2.95%
PayPal charges an extra 20 pence per transaction on top of it’s % rate
PayPal charges £20 per month for online payments using a virtual terminal  - with Payatrader the virtual terminal is FREE
PayPal requires traders to apply for lower rates if they qualify (but it's difficult for small traders to qualify) whereas Payatrader automatically gives you its best rate each week based on turnover
PayPal reverts to higher % rates if a user fails to process the banded turnover every month, once reached.

PayPal doesn’t:
Provide a 24/7 call centre payment facility
Pay funds directly into the traders bank account – they lodge funds in the PayPal account
Specifically cater for the trades market – no trader stationery / van decals/ support for householders
 
Payatrader
With Payatrader, which costs £74 to join with the CLEANITUP referral code
You get a FREE web payment button to download to your web page
You get a FREE virtual terminal so you can take payments over the phone
You can also take payments using an iPad and mobile phone
There's a 24/7 contact centre that takes payments if a customer prefers not to pass their card details to the trader directly.

You can also build a customer database & send email requests for payment with an embedded link - great for window cleaners as it saves visiting in the evenings, making phone calls or waiting for a cheque to arrive in the post!

The processing rates are lower & Payatrader automatically applies the best rate based on weekly turnover - you don't have to apply for it.

You can be set up within a few minutes, including the virtual terminal.

There are quite a few forum members who use, especially carpet cleaners. If you need a reference just contact me.

This is based on my personal research

Hope this helps

Linda

Thanks for that, explains it better now

[windowcleaninginessex.co.uk]

PayPal offers a similar “virtual terminal” based service to Payatrader, but:

PayPal
It’s  more expensive per transaction at 3.40% for low volume payments versus Payatraders rates of 2.3% to 2.95%
PayPal charges an extra 20 pence per transaction on top of it’s % rate
PayPal charges £20 per month for online payments using a virtual terminal  - with Payatrader the virtual terminal is FREE
PayPal requires traders to apply for lower rates if they qualify (but it's difficult for small traders to qualify) whereas Payatrader automatically gives you its best rate each week based on turnover
PayPal reverts to higher % rates if a user fails to process the banded turnover every month, once reached.

PayPal doesn’t:
Provide a 24/7 call centre payment facility
Pay funds directly into the traders bank account – they lodge funds in the PayPal account
Specifically cater for the trades market – no trader stationery / van decals/ support for householders
 
Payatrader
With Payatrader, which costs £74 to join with the CLEANITUP referral code
You get a FREE web payment button to download to your web page
You get a FREE virtual terminal so you can take payments over the phone
You can also take payments using an iPad and mobile phone
There's a 24/7 contact centre that takes payments if a customer prefers not to pass their card details to the trader directly.

You can also build a customer database & send email requests for payment with an embedded link - great for window cleaners as it saves visiting in the evenings, making phone calls or waiting for a cheque to arrive in the post!

The processing rates are lower & Payatrader automatically applies the best rate based on weekly turnover - you don't have to apply for it.

You can be set up within a few minutes, including the virtual terminal.

There are quite a few forum members who use, especially carpet cleaners. If you need a reference just contact me.

This is based on my personal research

Hope this helps

Linda

You quoted paypal charges 20p + 3.4% per transaction. If I am reading your charges right, on your website  you charge 2.95% with a minimum fee of 30p. Is that 30p plus the 2.95% or is the 30p the minimum charge if the 2.95% fee  is less that 30p, hope that makes sense
Darren

[CLEANCARE WC]

I would never PAY A TRADER its dangerous, wfp or nothing   

[Linda - Payatrader]

Hi,

Our charges are 2.3% to 2.95% based on turnover, subject to a minimum of 30pence. This is not in addition to, but is a minimum fee that really only applies to payments under £10.

If you put £5 through the system at 2.95% it would be 15pence, so here we would charge our minimum of 30 pence.

If you put £20 through the system at 2.95% it would be 59 pence, more than the minimum, and so thats what you would pay i.e.59 pence

Hope this helps.

Linda

[windowcleaninginessex.co.uk]

I would never PAY A TRADER its dangerous, wfp or nothing   

Don't give up your day job

[windowcleaninginessex.co.uk]

Hi,

Our charges are 2.3% to 2.95% based on turnover, subject to a minimum of 30pence. This is not in addition to, but is a minimum fee that really only applies to payments under £10.

If you put £5 through the system at 2.95% it would be 15pence, so here we would charge our minimum of 30 pence.

If you put £20 through the system at 2.95% it would be 59 pence, more than the minimum, and so thats what you would pay i.e.59 pence

Hope this helps.

Linda

Thanks Linda

[Steve Sed]

So you need 375 transactions all over a £10 (give or take) to break even?

I really don't understand why paying with Paypal or Payatrader is easier than a bank faster payment for a customer.

[Linda - Payatrader]

Hi,

I'm not sure it can be calculated on a straight like for like basis as with Payatrader you get so much more than PayPal.

For example you get a Virtual Terminal that's free to use whereas PayPal charge you £20 per month for this facility.

There's also a 24/7 contact centre to take payments on your behalf and a service where you can build a customer database and send an email payment request with an embedded link - which saves you having to visit in the evenings to collect payments!

I guess it depends on what type of service you are looking for, in context of how many ways your customers can pay you, and the volume and value of your average transactions.

Regards
Linda

[Steve Sed]

That is the thing. It comes down to volumes and whether you need a virtual terminal. I am certain that there are one or two wc businesses that would justify Payatrader (though they might just as easily and more cost effectively get a merchant account), but the majority of windies, I would suggest, would be better off with Paypal or just standard banking facilities.

Incidentally, if you have the Paypal Pro system, you can have a much more professional integrated checkout system than just the Paypal button.

[lee_dewing]

I do it this way because I like to have customer's e-mail addresses, 'cos them I can chase them up politely, from the comfort of my office (aka spare bedroom) if they're late in paying.

Great minds think alike