[derek west]

Got my mobile terminal today for taking cards with my mobile phone, must say its brilliant, really easy to use and set up. the terminal is £59.99 and then you just pay 2.75% of your transactions, no monthly fees at all. reason why i went for this over izettle and the paypal one is you can take payments over the phone aswell which is handy for deposits or when your cleaning end of tennancy's and client isn't there.

if anyone is interested you can get £10 off your handset if you use this referal code FR269264

anyhoo just thought i'd post it in case anyone was considering getting one.

[Craigp]

Looks good Derek. I like the no monthly fees.

How about receipts? will it email one to client?

[derek west]

yes, you can just type in the custies email (great for marketing too in the future), its just a simple card receipt like you get from a machine but it does have your address and company name on. did a test today and it worked great.

[Richard Cole]

I've got one too, you can also text receipt to mobile.

[garyhumphreys]

You need a merchant account to use this, correct?

What are the merchant bank charges?

[derek west]

incorrect. they just pay the money into my normal account, its like childs play which is why i chose it. 

[Richard Cole]

Derek have you worked out why it has a cash button yet when you log on? i.e. it has two payment methods, cash or card, the only reason i can think of is that it allows you to issue a receipt for any cash transactions. It only came with some very basic instructions of how to set it up to your account and link to phone not how to actually use it, not that is hard but was puzzled over the cash button.

[derek west]

exactly that richard, to give an invoice, pretty sure you don't pay 2.75% on the cash transaction, hope not anyhoo  i will call them to double check.

[Matt Gibson]

I'm interested in this. Will you just tell your customers there will be a 2.75% surcharge for paying by card and add it on when you type the amount into the machine?

[david@zap-clean]

exactly that richard, to give an invoice, pretty sure you don't pay 2.75% on the cash transaction, hope not anyhoo   i will call them to double check.

The cash option is just so you can track 'other' payments (cash etc) using their system, if you choose to.  It's free.

[derek west]

I'm interested in this. Will you just tell your customers there will be a 2.75% surcharge for paying by card and add it on when you type the amount into the machine?

personally no but you can do its up to you, can't see me taking to much on card so i'm gonna include it in the original price, the money and time i save on taking cheques to the bank will offset the cost i reckon.

dont forget the referal code FR269264

[Matt Gibson]

I see your point Derek. I was thinking about absorbing the cost into the job price, and like you i probably wouldn't take too many card payments.

[JandS]

I've had a card payment system set up for 18 months now.....transactions on it.....NONE.
Without checking things I reckon 95% of my payments are cash the rest cheque or BACS payments.

[davep]

I take quite a few cc payments. Depends on how much you advertise the fact you have the facility.

[derek west]

i'm not trying to force it on anyone, its just after a bad experience from a none payer, it could of been avoided with a machine like this, costs you a one off payment and then use it or not, its there just in case. probably gather dust in my van but its there for when i get that, "i'm not sure these are gonna pay" feeling. i will still take cheques off regular trusting homeowners but EOT's  will be cash or card from now on.

ps... the bad experience ended happily but not until i went through money claim online.

[clive ware]

Just sent my card machine back. It was costing me nearly £40 a month and virtually never used it. It`s either cash, cheque or bacs for me. Like the idea of the World Zinc though!

[JandS]

I use Payatrader so that was a one off payment so no ongoing monthly payments so might as well keep it on.
I advertise the fact but people still tend to pay in cash.

[Richard Joyce]

When you have taken payment from a customer and it goes in your bank what info does it show on your bank account ?

[derek west]

Just taken my first payment, end of tenancy and she can't be there, leaving the key at the shop next door, doing it friday and she's paid in full today. could of sorted a cheque out to be left there but i kinda like this way, its in the bank, i don't need to cash it in and wait 8 days for it to clear, yeah worth a few quid just for piece of mind, did this one over the phone.

[Craigp]

Sorry if it's been covered but how long to go into your account?

As one problem with payatrader is its Friday week before you get it.