Small business taking payment

Associate
Joined
7 Jan 2008
Posts
279
Hi all,

My farther in law is thinking of opening a small art gallery and we're trying to think of ways that he can take card payments.

There is izettle - https://www.izettle.com/ which looks amazing, but only takes mastercard which is very limiting.

Otherwise - you can use paypal, but I think that means setting up a whole ecommerce website to do this, and that is a lot of work and offering discounts on pieces would be difficult.

What I would ideally like is something like izettle that you can just use on the PC - the card reader isn't really that important as people could just use his laptop to enter their credit card info.

Do you know of any solutions?

Thanks
 
Soldato
Joined
4 Aug 2004
Posts
5,205
Just get a chip and pin PDQ machine and a bank merchant account.

Online terminals on a PC are generally for card not present transactions. I'm not sure if you are even allowed to use it for card present.
 
Permabanned
Joined
31 Dec 2007
Posts
10,034
Hi all,

My farther in law is thinking of opening a small art gallery and we're trying to think of ways that he can take card payments.

There is izettle - https://www.izettle.com/ which looks amazing, but only takes mastercard which is very limiting.

Otherwise - you can use paypal, but I think that means setting up a whole ecommerce website to do this, and that is a lot of work and offering discounts on pieces would be difficult.

What I would ideally like is something like izettle that you can just use on the PC - the card reader isn't really that important as people could just use his laptop to enter their credit card info.

Do you know of any solutions?

Thanks

no one is going to enter their card details into a PC in a shop, it just smells scam, just get a card reader
 
Soldato
Joined
31 May 2009
Posts
21,060
Its 2.75% on transactions using the card reader.

Why not just get a proper machine from his bank, it'll be around the same % and will be able to accept all cards using a proper chip and pin device?
 
Joined
16 Feb 2010
Posts
4,960
Location
North East England
As said a card reader from the bank. The % will depend on what the the bank offers you its not set plus whatever they charge for rental of the machine per month. It will allow you to take all major cards (the likes of american rip off express is likely not included) but visa/master card and debit cards will be covered.

It looks more professional plus if you use a computer or other such service designed for customer not present you will almost certainly have no fraud protection as such.
 
Soldato
Joined
20 Aug 2003
Posts
6,690
Location
Pembrokeshire
Don't go to the bank, they are too expensive (not always but if they are cheaper it is usually for a fixed period), do get a card terminal. There are many merchants, watch the figures. Some appear cheap but dial out to a relatively expensive number per transaction.
 
Joined
16 Feb 2010
Posts
4,960
Location
North East England
Even the card machines not directly from a bank are still associated with them, but yes definitely shop around as there can be a big difference between providers.

Ours only dials out when you take an end of shift so one dial out for as many as you take. Terminal rent and percentages on credit cards and set rates on debit cards ten to be the main concern.
 
Associate
Joined
16 Jun 2003
Posts
1,858
The one that people know and trust is the card machine.

You can get a PayPal virtual terminal, but if it was me I would expect an art gallery to be serious about money and invest a little in a card machine.
 
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