Clean It Up
UK Floor Cleaning Forum => Carpet Cleaning Forum => Topic started by: richy27 on February 16, 2011, 04:48:19 pm
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just signed up to having a chip and pin terminal
hunted the web for a good deal and came up with a few
best deal was through handepay £28 a month which includes terminal hire , unlike most providers no min amount of transactions for merchant account normally min £10 most providers no setup fee 21p trans fee on debits and 1,2% on credit cards except american express 2.5 % all transactions dealt through streamline ( uk s biggest)
nearest to them was 123 send 25 a month 10 for merchant account and 50 setup so with the vat handepay are £10 a month cheaper with no setup fee
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Really must look into this because people are going to be more inclined to slap it on a credit card with the way the economy is heading.
I know Steve Chapman uses his mobile phone but I'm still not convinced that customers will be overly happy with their card details being fed through that means.
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i will mention your name if i get one rich, you get £30 for referals. left my number so should get a call tomorrow
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Yeh me too. I will give them your name aswell Rich. No that was an easy £60 you just earned.
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why don't we do each other a favour and recommend the person above who signs up, so say next person to sign up will recommend mick bullous, then the next that person etc?
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mick / derek
appreciate that there is a form i can fill out for refferals but cant do that yet as it takes 3 weeks for me to have a merchant number so when you speak to them tell them that or i wont get my pocket money.
appreciate that when i posted i did not realise about the refferals
anyone have a probgeting same deal as me give my agent at handepay a call he wont cover your area but will give you local adviser a nudge ashley hamilton field sales exe 07872061516
regards
Rich
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why don't we do each other a favour and recommend the person above who signs up, so say next person to sign up will recommend mick bullous, then the next that person etc?
terrible idea
regards
Greedy ex farmer Rich
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I took a look at www.adelante.co.uk last night, particularly the system that works from your mobile phone, no terminal to carry round, and when you look at the demo it is a very simple system to use.
Still need a merchant banker which is a one off fee of £50, then some more.
Waiting for a call back to see what they say about pricing.
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Hi Joe,
I had a call from them 2 days ago, how it works is this:
initial set up costs are £50.00 for a merchant bank (they use allied irish) payable after the first month of trading.
£50 set up for adelante.
then ongoing costs.
£10 per month or adelante for the use of the system
32p per debit card transaction
2.4% of credit card transaction.
hope this helps.
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Dont sound too bad Hector, think I prefer using my mobile then having a dedicated terminal that I would probably forget to take out with me half the time.
Have you gone for it???? Any referal scheme anyone could benefit from????
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What i would say about Adelante, is that everything happened exactly as they said it would, they set up the merchant account, easy to download software and set up and taking payments is extremely easy and fast.
Also you have the option of adding more phones if you have employees etc , a virtual terminal so you can do it on the laptop / pc and a website you can track all the payments etc.
Think you can also get software to integrate payments on your own website.
So quite alot of flexibilty there.
All i had to do was sign the forms when they came and I think provide a reference or two, which is pretty standard for a merchant bank account.
Its nice when things go smoothly for change :)
Regards
Steve
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just signed up to having a chip and pin terminal
hunted the web for a good deal and came up with a few
best deal was through handepay £28 a month which includes terminal hire , unlike most providers no min amount of transactions for merchant account normally min £10 most providers no setup fee 21p trans fee on debits and 1,2% on credit cards except american express 2.5 % all transactions dealt through streamline ( uk s biggest)
nearest to them was 123 send 25 a month 10 for merchant account and 50 setup so with the vat handepay are £10 a month cheaper with no setup fee
whats minimum contract rich, just waiting for them to get back to me
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4 years
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they told me 3 years, i don't wanna be tied for that long just in case its not for me or technology changes so ive found this from adalante
GPRS Mobile Terminal Upfront 12month Deal
£399
12months rental
Includes AIB Merchant Account Joining Fee , if applicable (Usually £100)
From month 13, rental reverts to a rolling Monthly contract @ £25per month
Unlimited Airtime and Helpdesk support
24hour Terminal replacement (In event of fault)
Includes £10 delivery charge
If no merchant account is required= £350
1.7% and 27p
nothing else to pay for a full year.
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Adelante just been on.
6 months is £299 + C/C 1.7% D/C 27p per transaction.
12 months £399 +.......................................................
3 years £25 per month + ......................................
John
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Beat me to it Derek.
John
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thats a fair enough deal funny how dif areas with the same companys offer dif deals adelante was way more than that 2 weeks ago.
but i guess looking at the figures it works out the same .
as far as using a my mobile phone for taking payments if i were paying for something and was asked to punch my details into someones phone and obviously not getting a printed transaction slip ( just normal job invoice) i would be very wary in fact i wouldnt pay for anything in that way.
within 8 years cheques will not exist so we will all have to follow some route at some point .
paypal is not pratical and far far too expensive
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Just got this from Adelante in the last 5 minutes
Thank you for your interest in our MobilePOS service.
MobilePOS
The revolutionary way to accept Credit & Debit card payments on your mobile phone, laptop or PC.
Demonstration link: http://www.adelante.co.uk/mobilepos.html
There is a set up fee for this service which is £50.
NO YEARLY LICENSE FEE.
£10 per month which gives first 50 transactions, then 20 pence per transaction thereafter. OR £30 per month which gives up to 200 transactions.
Mobile POS is simple and easy to use, no monthly rent for terminals, there is a web based database which logs every transaction so you can keep track of your money, and NO CONTRACT! Just a 30 day notice period.
Please note: ALL TRANSACTIONS ARE TREATED AS 'CARD NOT PRESENT' RATES
Merchant Account
We run our Merchant Accounts through AIB (Allied Irish Bank).
AIB Specialise and Focuses on Small+Medium Sized Businesses
No High Street branch network , which enables them to offer Competitive rates
Blended transaction charges - One rate for Credit / One rate for Debit
No increased charges for Corporate or Business cards
Generous Underwriting Terms
For the merchant account, we can arrange an account for you with Allied Irish Bank; this takes approx 7 days to set up. There isa £50 joining fee and then you are charged 2.4% for credit card transactions and 32p for debit cards.
The entire processing period can take up to Two weeks from the date we receive a completed order form (ATTACHED) from yourselves
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This is the system running thro the mobile phone.
Think it was Steve Chapman on another thread that joined this some time ago and customers have no problems with the fact a mobile phone is used.
Im in a thinking mode.
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Joe,
Notice the system is 'card not present' also, which means people can pay over the phone , this has been very handy for me and I have regulars who will just phone when they get home from work and pay me, not sure if you can do that with chip & pin, you must have an account that authorises you to do it.
Also many businesses that i invoice now just phone and pay this way, which I never thought would happen but is an added bonus.
No long contract period also, which is different from a few others.
I can quite honestly say I've never had anyone question about doing it through the phone, most are familiar with handheld devices and they just take it in their stride.
Think most of my customers trust me anyhow ;D ;D ;D
Steve
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If your a member of the FSB and go through send123 they don't charge for setting up a merchant account
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Steve
What would you say is the ratio per month of customers using this system as opposed to cash/cheque/other???
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Don't give the cheque option cash or card would say 40/60 split at the moment in favour of card,you go right up in their estimations too as no 2 bit cowboy.It also varies as well after pay day people pay cash then maybe middle of the month its all card payments
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Not a bad ratio, thanks for that.
What about the other Steve (Chapman) or anyone else using chip/pin - whats your ratio???
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It's increasing all the time esp as it's been in the press about the demise of cheques recently,
I would say 1 in 3 customers pay by card now, mostly as I push it quite a bit now, and to be honest anyone who can pay by cheque can normally use a debit card, you just have to remind them about it,
What is good is that it's the bigger payments that are normally by card, which is often a bit risky by cheque but very welcome by card as you know straight away that it's gone through, plus people do often opt to have a bit more done knowing they don't have to have the cash on them,
Regards
Steve
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i find people who pay by cheque rarely tip, but those who pay by cash always tip or up it to the nearest 5 or 0. guess it's similar with cards? anyone know if it's possible to have the little message before putting pin to say would you like to add a tip? would be a good little earner if you can
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I think that looks cheeky and presumptive so I always enjoy pressing the no and don't leave a cash tip either when I might of done.
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I agree Gary - I think thats bad enough in a restaurant where tipping is the norm but to appear to expect it from a carpet cleaning customer would be bordering on rude.
Simon
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yeah maybe you're right. if it's possible i might try it one day for a few days see if they do tip.
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I think the Adelante system is a good idea but I'm just not sure people would use it as readily as they would a conventional mobile CC terminal simply because their card details are being entered into someone's phone and the security risks that spring to mind from that.
Simon
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yeah maybe you're right. if it's possible i might try it one day for a few days see if they do tip.
So how many days??????
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I think the Adelante system is a good idea but I'm just not sure people would use it as readily as they would a conventional mobile CC terminal simply because their card details are being entered into someone's phone and the security risks that spring to mind from that.
Simon
Adelante do more then the mobile phone system, they do the carry a machine with you system as well.
Taking up your point Simon, everything is open t fiddle if one seriously wants to fiddle, but Steve Chapman is using the mobile phone system and finds a good take up already and growing.
And been said before on here, clients often trust us with their homes and they go off shopping or to work, much more valuable then a bit of chip and pin. They trust us to a greater or lesser degree - be foolish for any carpet cleaner to misplace that trust and nick something from the house. Just as foolish for one to to something bad with chip and pin.
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simon
read my earlier post, that is for chip and pin terminal from adalante, its what i'm going for.
£399 for a year all in apart from the 1.7% on cards and 27p on debits. includes merchant account, then its £25 a month after the 12 month period. bargain.
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Done four quite big jobs today, three paid by CC and when asked all three said they wouldn't have had I wanted to do it through my mobile phone.
Simon
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I must be one of the lucky ones ;D
Can't imagine I'm Adelante's only mobile customer though ;)
Steve
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But Derek,
Isnt Richards a better deal? £28 pm =£336 and 21p for debit cards, 1.2 for cc`s.
That seems cheaper to me.
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But Derek,
Isnt Richards a better deal? £28 pm =£336 and 21p for debit cards, 1.2 for cc`s.
That seems cheaper to me.
yes it is clive, its the 4 years i don't want, remember technology is changing fast. 1 year is a better option for me and richards company can't compete with adalante on a 1 year deal.
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long term my deal is cheaper but the deal derek found for a year period suits his needs to be honest they are both good deals imo . in my area adelante deal was a lot more money than dereks deal a lot depends on the area salesman.
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i find people who pay by cheque rarely tip, but those who pay by cash always tip or up it to the nearest 5 or 0. guess it's similar with cards? anyone know if it's possible to have the little message before putting pin to say would you like to add a tip? would be a good little earner if you can
asking for a tip is cheeky and something i would never dream of doing
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as far as the mobile system phone thats is. would not work for me as my county is terrible for mbile sig . so the terminals are the way for me as it works off a roaming sim from various networks and chooses the strongest sig.
from my research most of the mobile phone systems are being used by home based business s who wish to process card payments on a very small percentage are used on the road. this is an area of the market they are trying to increase but building clients customers confidence has been a problem not my words this was straight from adelante sales mans mouth.
most customers woulod like a printed slip from a machine for there transaction
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Seems like a combination of mobile phone and chip machine is on its way.
Watching the tecno show on BBC this morning and they were showing a phone you just offer up to a chip machine and it reads card details automatically.
The phone store more then just a phone chip, it can store card details for Nectar and other store type card details.
Re using mobile phone to put in clients card details - a few years ago when I was building computers I used to go to a computer fair in Manchester and more then a few dealers I purchased stuff off took my card details and punched them into their mobile and bobs your auntie. Deal done
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Are any of considering the extra costs in your pricing, probably works out about £1 a day plus charges, not a lot to to absorb I suppose but it all adds up with rises in costs in general? I would probably resist it, it's a fascinating thread and I have been hesitating for a couple of years but it is increasingly obvious it's time to change. I'm surprised there is not an easier way everyone can pay for everything by mobile phone and it's not being pushed or developed by networks, the first that cracks it could have a considerable lead on the competition, it could be paid via your mobile bill, works for ring tones and the like.
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richard: of course asking for a tip is cheeky but you could be clever about it and make it out like it's not your doing that it's there, e.g. first go on about how hard business is lately all money spent on fuel, supplies etc, leaving nothing for poor little you (which lately is the truth any way), then say "here's the machine mrs smith, can you enter your pin when it asks for it, oh and btw when it asks the first question just say no it's a standard thing i don't know how to get rid of" you aren't forcing them and in fact advising them how not to tip you but it puts the idea in their mind if it wasn't already.
some may see it as cheeky/sneaky (which it is) but imo it's no different then many advertising techniques used that are designed to put the idea in the customers mind that they need their carpets cleaned when they weren't thinking of it to begin with.
restaurants do it and get away with it and i guess it must work else why would they do it.
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but you could be clever about it and make it out like it's not your doing that it's there,
just say no it's a standard thing i don't know how to get rid of"
The idiot awards are on E4 at the moment.
If there's still time I think I'll nominate you for one.
Alternatively you could just admit that you are trying to wind us all up after a few drinks
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i wish i could remember that quote about how the successful people are the ones who tried what everyone said was a stupid idea ;) google tried to sell their search engine technology to yahoo and they passed. some don't like different ideas
just a passing thought i'm not trying it yet and may never. Don't get too offended apparently smart one.
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i wish i could remember that quote about how the successful people are the ones who tried what everyone said was a stupid idea ;) google tried to sell their search engine technology to yahoo and they passed. some don't like different ideas
just a passing thought i'm not trying it yet and may never. Don't get too offended apparently smart one.
^^ its not a stupid idea GCS, but something a grease ball would do.
I'm with Simon on this one, its a great thread and good ideas getting thrown about. Very few people have asked if i take card payments so i'm not that sure if its worth the hassle for me just yet. Maybe when cheques get phased out by that time the rental and charges of these units might go down too. Just my 2 cents.
Think its a pretty cool idea being able to wip out a cc terminal tho :)
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yeah i think pulling a terminal out will give a good impression. i thought i read somewhere the other day someone in government was criticising the high charges of the machines and card charges but can't seem to find it. hoping they'll come down as they're used more often too.
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Phew,my epdq system is finally up and running,ran a test payment through,then took 2 more payments that had been outstanding since Dec and Jan.
Have been reading up on all the info,what do you guy's do about pci dss ? Do you get someone in to audit your security and storage facilities ?
Think I need to get a safe,to store the card transaction details in,I have a firewall,and security and password protection on my pc,but think I will get a laptop just for work,then I can pop that in the safe too.
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remember to keep backing up that data and store it securely in a different location preferably a different building.
what details do you store? what have thought it doesn't record any or maybe just last 4 digits at most as once you've got the money no need to use it later
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Those of you who are with handepay, how are you finding them?
Have been offered a good deal by both them and 123send but can't make up my mind
Cheers Goron
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Those of you who are with handepay, how are you finding them?
Have been offered a good deal by both them and 123send but can't make up my mind
Cheers Goron
i am with handepay and no problems so far