Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: Ian Fletcher on August 08, 2018, 05:59:55 pm
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hi guys does anyone use card readers
if so what's best ones to get
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I can recommend Sumup as another way to take payment using a mobile card reader. It makes you look more professional taking electronic payments rather than cash or cheques. It's a great bit of kit and easy.
It's a good idea to let customers decide which payment method they prefer.
I use the Sum Up card reader to take payments by card on the road. Really low rates less than 1.69% with no fixed fee or monthly fee. Much better and cheaper than paypal. You can also take payments over the phone too.
The card reader can be purchase with a discount using this link reduced from £30 to just £15. ( also helps me with referral reward )
http://fbuy.me/f7Ve3
You can swipe cards or use chip and pin option or contactless payments. It's fab.
Once you take payment you then can put the customers email or phone number in the app and it will either text or email the receipt straight away for them. Works a treat.
Just use your own card to test it out when you get it first to see how it works. Just take £1 on your own card
http://fbuy.me/f7Ve3
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how much does it cost per month Paul?(rental)as ive been thinking of getting one......
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I can recommend Sumup as another way to take payment using a mobile card reader. It makes you look more professional taking electronic payments rather than cash or cheques. It's a great bit of kit and easy.
It's a good idea to let customers decide which payment method they prefer.
I use the Sum Up card reader to take payments by card on the road. Really low rates less than 1.69% with no fixed fee or monthly fee. Much better and cheaper than paypal. You can also take payments over the phone too.
The card reader can be purchase with a discount using this link reduced from £30 to just £15. ( also helps me with referral reward )
http://fbuy.me/f7Ve3
You can swipe cards or use chip and pin option or contactless payments. It's fab.
Once you take payment you then can put the customers email or phone number in the app and it will either text or email the receipt straight away for them. Works a treat.
Just use your own card to test it out when you get it first to see how it works. Just take £1 on your own card
http://fbuy.me/f7Ve3
There is a clue in his post ;D
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i think you have to rent the terminal according to the terms and conditions....i dont think ill bother after all... ;D
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how much does it cost per month Paul?(rental)as ive been thinking of getting one......
All in the post mate. No monthly costs at all. Just the 1.69% transaction fee.
My customers love it.
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i think you have to rent the terminal according to the terms and conditions....i dont think ill bother after all... ;D
No rental at all Daz. I promise.
It's all yours for £15.00
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Try it Daz.
I guarantee you will like it, then you will hate it and then you will like it again. (http://www.cleanitup.co.uk/smf/1533750546_grin.gif)
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i think you have to rent the terminal according to the terms and conditions....i dont think ill bother after all... ;D
No rental at all Daz. I promise.
It's all yours for £15.00
sound too good to be true.....so do you take it out with you every day?
i can see it d be great for collecting esp if they can use contactless(as most jobs are less than £30)
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so does it work with all debit/credit cards?what about signal when you re out and about?
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so does it work with all debit/credit cards?what about signal when you re out and about?
It works with all debit and credit cards including amex. Uses chip and pin for large amounts or contacless if under £30.
As long as you have a mobile phone signal you will be fine. You have to use the app on your phone to operate it. It connects to the terminal using blue tooth and connects for authorisation using phone data. Very little data is used. If you are in a bad signal area which has happened once for me I just asked customer for their WiFi details. They were fine with this as they already new signal was bad at their house.
I take mine out every day with me. It only wallet size. Had it about a year now and only had to charge it twice.
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ive had a few customers who ve asked me lately whether i have a card reader.i already offer cash/cheque/BACS/standing order as payment methods..BACS is my preferred method of payment TBH....
no current method of payments incur any extra charges.i still get a fair few cheques and they take 6 working days to clear but from the 24th sept next month theyll take 1 working day to clear which is great......
ive toyed with the idea of gocardless but not put it into action.id have to pay more a month for full gocardless integration with cleaner planner plus the ongoing charges for every transaction.....
i dont like the idea that people make money out of me for simply getting paid! ;D
my debt list is manageable as a one man band but if i employed id probably have a card reader and gocardless!
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so does it work with all debit/credit cards?what about signal when you re out and about?
It works with all debit and credit cards including amex. Uses chip and pin for large amounts or contacless if under £30.
As long as you have a mobile phone signal you will be fine. You have to use the app on your phone to operate it. It connects to the terminal using blue tooth and connects for authorisation using phone data. Very little data is used. If you are in a bad signal area which has happened once for me I just asked customer for their WiFi details. They were fine with this as they already new signal was bad at their house.
I take mine out every day with me. It only wallet size. Had it about a year now and only had to charge it twice.
thanks for taking the time to post paul......i often have no signal/bad signal in the areas i work(semi rural)so i think ill give it a miss......
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ive had a few customers who ve asked me lately whether i have a card reader.i already offer cash/cheque/BACS/standing order as payment methods..BACS is my preferred method of payment TBH....
no current method of payments incur any extra charges.i still get a fair few cheques and they take 6 working days to clear but from the 24th sept next month theyll take 1 working day to clear which is great......
ive toyed with the idea of gocardless but not put it into action.id have to pay more a month for full gocardless integration with cleaner planner plus the ongoing charges for every transaction.....
i dont like the idea that people make money out of me for simply getting paid! ;D
my debt list is manageable as a one man band but if i employed id probably have a card reader and gocardless!
Hi dazmond, i have the Sumup card which i use occasionally, as i don't accept cheques anymore, i find it really good
and easy to use, and the customers like it, i keep it in the van all the time just in case a customer doesn't have cash,
the payments clear in my bank within 2 Days, i highly recommend it dazmond, safer then cheques. :)
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cheers larry.... :)
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cheers larry.... :)
You're Welcome dazmond.
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just ordered one for £18(including VAT).....might come in handy....cheers paul... :)
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I'm going to give Sum up a go ...it looks great :)
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Little tip too to avoid teething probs. Make sure your phones location it turned on. It needs it.
Also practice with your own card to see how it works. Just take £1.00 test transactions and do it outside of your WiFi.
When I use my machine I aways grab it from van and turn it on straight away and turn on the mobile app. It will save time connecting when with the customer.
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I use PayPal here, and whilst its not the most popular option; it is the fastest to get paid.
I can take payments from all credit/debit cards including AMEX and Diners
The money is in my business bank account the very second I take the payment from their card. Its really well worth considering.
Last month I processed £1125 in credit/debit card payments and the total cost for collecting that was £31 so 2.75 % on average
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Doh, saw this thread too late hahaha as I wanted commission on sum up.
;D
The only thing I would add is that it works better if your phone has 4g compared to the older phones on the 3g network.
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Little tip too to avoid teething probs. Make sure your phones location it turned on. It needs it.
Also practice with your own card to see how it works. Just take £1.00 test transactions and do it outside of your WiFi.
When I use my machine I aways grab it from van and turn it on straight away and turn on the mobile app. It will save time connecting when with the customer.
cheers paul...i dont use wi fi just my monthly mobile data allowance(which is 5gb which i never use up!)....ive downloaded the app now to my phone.
so on the app do you fill in customers address in the description section, then the amount and press CHARGE and it connects to the reader? THEN the customer swipes the reader/OR inserts card and PIN and thats it?
i always have my bluetooth turned on on my phone anyway as i have it in both my car and van and phone location......
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Doh, saw this thread too late hahaha as I wanted commission on sum up.
;D
The only thing I would add is that it works better if your phone has 4g compared to the older phones on the 3g network.
mines a samsung S8+ so hopefully itll work ok....i never buy cheap phones!
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Little tip too to avoid teething probs. Make sure your phones location it turned on. It needs it.
Also practice with your own card to see how it works. Just take £1.00 test transactions and do it outside of your WiFi.
When I use my machine I aways grab it from van and turn it on straight away and turn on the mobile app. It will save time connecting when with the customer.
cheers paul...i dont use wi fi just my monthly mobile data allowance(which is 5gb which i never use up!)....ive downloaded the app now to my phone.
so on the app do you fill in customers address in the description section, then the amount and press CHARGE and it connects to the reader? THEN the customer swipes the reader/OR inserts card and PIN and thats it?
i always have my bluetooth turned on on my phone anyway as i have it in both my car and van and phone location......
Hi Daz
Switch on reader. Then turn on app on phone. Enter amount being charged on the app and then on the connect button. The card reader will then show on screen to either tap card on screen or insert into slot for chip and pin. Then payment shows accepted on the screen. Go back to phone and it to will also say payment successful. It will then allow you to enter email or phone number from either manually or from phones address book to send receipt.
I always hand over the terminal for customer to hold and keep my phone screen visible to her. All info will be shown on terminal screen anyway so does not matter too much.
It can sometimes take a short while after you enter the amount to connect to phone. So just use the time to expain what the machine is doing. If you turn on the machine early the connection process is fast.
Sum up will email you full instructions anyway so just follow it and have a play
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cheers paul...sounds easy as pie....as long as i have a signal..... ::)roll ;D
then your money is debited to your bank account within a few days minus the 1.69% charge?
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cheers paul...sounds easy as pie....as long as i have a signal..... ::)roll ;D
then your money is debited to your bank account within a few days minus the 1.69% charge?
Yes. Will automatically send it to your account about 3 days later minus the 1.69.%
They also email you a daily statement to show what's landed in your account for the day. Also at the end of each month they email a full statement for your expense records.
On the app you can also see sales history of what's being processed and taken and paid.
You can also log into your account on your computer too. Using your computer you can take payments over the phone too but the rate is a little higher for that method. Something like 2.99% but don't hold me to that.
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Doh, saw this thread too late hahaha as I wanted commission on sum up.
;D
The only thing I would add is that it works better if your phone has 4g compared to the older phones on the 3g network.
mines a samsung S8+ so hopefully itll work ok....i never buy cheap phones!
I have a s8 great phones...
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Doh, saw this thread too late hahaha as I wanted commission on sum up.
;D
The only thing I would add is that it works better if your phone has 4g compared to the older phones on the 3g network.
mines a samsung S8+ so hopefully itll work ok....i never buy cheap phones!
I have a s8 great phones...
Mines the Huawei p20 with voda. Works fine too
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Sumup dont charge the customer as well do they for using the terminal?
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https://youtu.be/EgkHbLEiTFg
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Sumup dont charge the customer as well do they for using the terminal?
No mate. No hidden charges
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just checking paul!sounds really good then.... ;D
thanks for the link SB cleaning... ;)
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just checking paul!sounds really good then.... ;D
thanks for the link SB cleaning... ;)
No probs Daz
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i cant wait to see some of my customers faces when they say they have no cash or cant find their cheque book and i pull out my card reader! :D :D
ill be putting the stickers on my van windows too.... ;)
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i cant wait to see some of my customers faces when they say they have no cash or cant find their cheque book and i pull out my card reader! :D :D
ill be putting the stickers on my van windows too.... ;)
Yes agree. A wonderful USP for you.
It's a picture when you see their faces when they claim they have no cash. I say well no one has cash anymore that's why I have a card machine.
I have one customer who was amazed by the mobile reader and now uses it every month. She even told me she had a moan to her local ice cream man as her grand child wanted an ice but she had no cash on her. She told him he needs a card reader like my window cleaner has. ;D
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I use PayPal here, and whilst its not the most popular option; it is the fastest to get paid.
I can take payments from all credit/debit cards including AMEX and Diners
The money is in my business bank account the very second I take the payment from their card. Its really well worth considering.
Last month I processed £1125 in credit/debit card payments and the total cost for collecting that was £31 so 2.75 % on average
most of us can wait a few days for payments to hit our bank accounts (esp if the percentage charged is lower)as the money is often not needed straight away.over the course of a year if your taking a lot of payments by credit/debit card the charges add up......
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I use PayPal here, and whilst its not the most popular option; it is the fastest to get paid.
I can take payments from all credit/debit cards including AMEX and Diners
The money is in my business bank account the very second I take the payment from their card. Its really well worth considering.
Last month I processed £1125 in credit/debit card payments and the total cost for collecting that was £31 so 2.75 % on average
most of us can wait a few days for payments to hit our bank accounts (esp if the percentage charged is lower)as the money is often not needed straight away.over the course of a year if your taking a lot of payments by credit/debit card the charges add up......
If you are looking to grow your business; and you have a few vans with card readers in them; being able to have the funds available in the company bank account the moment the jobs have been paid for when your staff do the work; that's the best possible cashflow you could ask for. Thats better than BACS, DD, CASH; its better than the lot m8.
Nothing wrong with waiting 3 or 4 days for payments to come through. But running a LTD company with payroll and staff your CASHFLOW is the highest priority especally for growth.
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I use PayPal here, and whilst its not the most popular option; it is the fastest to get paid.
I can take payments from all credit/debit cards including AMEX and Diners
The money is in my business bank account the very second I take the payment from their card. Its really well worth considering.
Last month I processed £1125 in credit/debit card payments and the total cost for collecting that was £31 so 2.75 % on average
most of us can wait a few days for payments to hit our bank accounts (esp if the percentage charged is lower)as the money is often not needed straight away.over the course of a year if your taking a lot of payments by credit/debit card the charges add up......
If you are looking to grow your business; and you have a few vans with card readers in them; being able to have the funds available in the company bank account the moment the jobs have been paid for when your staff do the work; that's the best possible cashflow you could ask for. Thats better than BACS, DD, CASH; its better than the lot m8.
Nothing wrong with waiting 3 or 4 days for payments to come through. But running a LTD company with payroll and staff your CASHFLOW is the highest priority especally for growth.
yep i agree marc....i forgot you were " building an empire" but for the humble sole trader no need ..........
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got my card reader this afternoon.....its so easy to use! :D tried it a few times with my own cards and it works fine(both contactless and chip and pin)
ill be taking it out with me every day now.....also ill be paying a visit to a few bad payers (whos debts i was ready to write off!)not anymore! 8)
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got my card reader this afternoon.....its so easy to use! :D tried it a few times with my own cards and it works fine(both contactless and chip and pin)
ill be taking it out with me every day now.....also ill be paying a visit to a few bad payers (whos debts i was ready to write off!)not anymore! 8)
Fab. Great news. I was expecting the usual teething probs by you hehe. Only kidding Daz.
It's an absolutely fab tool to have. Even if it's there as a back up for the odd payment or two.
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I can recommend Sumup as another way to take payment using a mobile card reader. It makes you look more professional taking electronic payments rather than cash or cheques. It's a great bit of kit and easy.
It's a good idea to let customers decide which payment method they prefer.
I use the Sum Up card reader to take payments by card on the road. Really low rates less than 1.69% with no fixed fee or monthly fee. Much better and cheaper than paypal. You can also take payments over the phone too.
The card reader can be purchase with a discount using this link reduced from £30 to just £15. ( also helps me with referral reward )
http://fbuy.me/f7Ve3
You can swipe cards or use chip and pin option or contactless payments. It's fab.
Once you take payment you then can put the customers email or phone number in the app and it will either text or email the receipt straight away for them. Works a treat.
Just use your own card to test it out when you get it first to see how it works. Just take £1 on your own card
http://fbuy.me/f7Ve3
I’m gonna get one of these mate, do you have a code so you can claim your referral award?
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I can recommend Sumup as another way to take payment using a mobile card reader. It makes you look more professional taking electronic payments rather than cash or cheques. It's a great bit of kit and easy.
It's a good idea to let customers decide which payment method they prefer.
I use the Sum Up card reader to take payments by card on the road. Really low rates less than 1.69% with no fixed fee or monthly fee. Much better and cheaper than paypal. You can also take payments over the phone too.
The card reader can be purchase with a discount using this link reduced from £30 to just £15. ( also helps me with referral reward )
http://fbuy.me/f7Ve3
You can swipe cards or use chip and pin option or contactless payments. It's fab.
Once you take payment you then can put the customers email or phone number in the app and it will either text or email the receipt straight away for them. Works a treat.
Just use your own card to test it out when you get it first to see how it works. Just take £1 on your own card
http://fbuy.me/f7Ve3
I’m gonna get one of these mate, do you have a code so you can claim your referral award?
Cheers bud. All you need do is click the link in the message and its all sorted including your discount too. :)
http://fbuy.me/f7Ve3
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took my first payment by card yesterday...it worked fine......the percentage is basically 2p in every £1......sumup state its 1.69% but they take 2p so its really 2%!still cheap though......
i think ill be using it more and more esp with younger customers...handy to have..... :)
usually my collecting night is monday so any card payments taken will have cleared in my bank by friday that week.....great. 8)
i also want to be phasing cheques out over the next year or so and moving these customers over to other forms of payment so ill be pushing BACS,standing order or card payments! ;D
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took my first payment by card yesterday...it worked fine......the percentage is basically 2p in every £1......sumup state its 1.69% but they take 2p so its really 2%!still cheap though......
i think ill be using it more and more esp with younger customers...handy to have..... :)
usually my collecting night is monday so any card payments taken will have cleared in my bank by friday that week.....great. 8)
i also want to be phasing cheques out over the next year or so and moving these customers over to other forms of payment so ill be pushing BACS,standing order or card payments! ;D
Probably due to your £1 test payments. Jut checked one of mine. I have a simple £10 payment and I received £9.83 which works out at 1.7%
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took my first payment by card yesterday...it worked fine......the percentage is basically 2p in every £1......sumup state its 1.69% but they take 2p so its really 2%!still cheap though......
i think ill be using it more and more esp with younger customers...handy to have..... :)
usually my collecting night is monday so any card payments taken will have cleared in my bank by friday that week.....great. 8)
i also want to be phasing cheques out over the next year or so and moving these customers over to other forms of payment so ill be pushing BACS,standing order or card payments! ;D
Probably due to your £1 test payments. Jut checked one of mine. I have a simple £10 payment and I received £9.83 which works out at 1.7%
i have five £1 test payments!(i tried chip and pin,contactless,credit and debit cards,etc)and they ve took 10p......
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Yes as said before probably because they are just £1 test payments. £1 is the min transaction amount and 10p is the min fee mate.
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took £83 in card payments today!....some customers love it!......its better than getting cheques! :)
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Yes as said before probably because they are just £1 test payments. £1 is the min transaction amount and 10p is the min fee mate.
cheers paul...i didnt know that..... :)
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took £83 in card payments today!....some customers love it!......its better than getting cheques! :)
Hey dazmond, i told you Sumup was good and easy to use, glad you like it. :)
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If you had a customer owing, and you rang them up to chase the payment can you take a payment over the phone with out the cardholder present?
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If you had a customer owing, and you rang them up to chase the payment can you take a payment over the phone with out the cardholder present?
i believe you can but they charge slightly more for the transaction. https://help.sumup.com/hc/en-gb/articles/115008338687-Pricing-and-Fees
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If you had a customer owing, and you rang them up to chase the payment can you take a payment over the phone with out the cardholder present?
Yes you can by logging in to your account through your browser but as p1 said it charges little more. Just under 3% and a 20p transaction fee.
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Thanks for both replies.
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how would you take payment over the phone?
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I use PayPal here, and whilst its not the most popular option; it is the fastest to get paid.
I can take payments from all credit/debit cards including AMEX and Diners
The money is in my business bank account the very second I take the payment from their card. Its really well worth considering.
Last month I processed £1125 in credit/debit card payments and the total cost for collecting that was £31 so 2.75 % on average
most of us can wait a few days for payments to hit our bank accounts (esp if the percentage charged is lower)as the money is often not needed straight away.over the course of a year if your taking a lot of payments by credit/debit card the charges add up......
If you are looking to grow your business; and you have a few vans with card readers in them; being able to have the funds available in the company bank account the moment the jobs have been paid for when your staff do the work; that's the best possible cashflow you could ask for. Thats better than BACS, DD, CASH; its better than the lot m8.
Nothing wrong with waiting 3 or 4 days for payments to come through. But running a LTD company with payroll and staff your CASHFLOW is the highest priority especally for growth.
Surely after the first three days you have the card reader, the cash flow is then the same?
(ie, you should have something clearing pretty much everyday after the first three days)
I’m also not entirely sure what potential cashflow problems BACS payments give?
In fairness, you talk a good game and I only have the one chap that works for me, so you must know what you’re talking about...
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you need a virtual terminal to be able to take payments over the phone.you cant do that just by logging into your SumUp account.....theres no VT there.....i think you need to phone customer services first to get it set up.....
i wont be using that feature anyway...mines for taking payments when out and about window cleaning or collecting....
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You can take payments over the phone with PayPal.
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you need a virtual terminal to be able to take payments over the phone.you cant do that just by logging into your SumUp account.....theres no VT there.....i think you need to phone customer services first to get it set up.....
i wont be using that feature anyway...mines for taking payments when out and about window cleaning or collecting....
I took a £300 Payment over the phone using my online portal. Its easy and and asking for card details and 3 digit security number.
Not taken one in the last few month though. May need to speak with sumup if it's not showing on your portal. On mine there is an option on the left to take a payment.
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SumUp dont automatically set up a virtual terminal in your account when you first register.......you have to contact them first....
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ah just realised id not uploaded all my documents......driving licence,utility bill,business cards,invoices etc.....all done now.... :)
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took £83 in card payments today!....some customers love it!......its better than getting cheques! :)
why is it better than taking cheques . I take cheques and don’t get charged . Bank em online when I am checking customer payments that night . Plus they clear the next day . And no need to carry a card reader about..
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took £83 in card payments today!....some customers love it!......its better than getting cheques! :)
why is it better than taking cheques . I take cheques and don’t get charged . Bank em online when I am checking customer payments that night . Plus they clear the next day . And no need to carry a card reader about..
i have to send my cheques off in the post now.it takes them around 4 days to get it then 6 working days to clear.i dont get charged but its still a faff....and if they get lost in the post i have to go back and get the customer to write another cheque! ::)roll
id rather take card payments if they havent got cash......most customers dont have cheque books anymore anyway......its just as quick(if not quicker)to whip my card reader out rather than waiting for them to find their cheque book,then a pen,then to write it out and ask me my name AGAIN! ::)roll
plus card payments clear in 3 days(no waiting up to 10 days for funds to clear),i save on envelopes too! ;D
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took £83 in card payments today!....some customers love it!......its better than getting cheques! :)
why is it better than taking cheques . I take cheques and don’t get charged . Bank em online when I am checking customer payments that night . Plus they clear the next day . And no need to carry a card reader about..
Probably the same reason why people use streaming instead of VHS for movies and LP's for tunes ;D :D ;D
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Really . Or maybe some people like to get ripped off with there banking . A little research and I don’t pay a penny in bank charges . Cash , fine , online fine , cheques deposited online , fine. Clears the next day . If your custies can’t manage to pay by one of those methods , they are taking the mick . But I wil leave you lot to pay my banking charges and carry on collecting.
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Also . Can’t remember the last time I had to enter a bank or deposit anything at a machine . But you carry on . Probably makes some people think they run a bigger business .
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Also . Can’t remember the last time I had to enter a bank or deposit anything at a machine . But you carry on . Probably makes some people think they run a bigger business .
Hey Steven, when i accepted cheques, which i stopped last year, i had to go out of my way to the bank, to deposit them in the CashPoint, my bank doesn't offer online payment of cheques, if i can get parked is another challenge, plus accepting cheques
for large sums is risky, as there is no security or guarantee that it won't Bounce, which has happened in the past,
Cheques are on the way out, they are old hat, like dasmond said most people don't even possess a cheque book now,
most petrol stations now won't accept cheques, a lot of shops & retailers the same, so much shopping is done Online now, and paid by card.
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You need to change banks or towns then . ;D
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The announcement by the Payments Council to begin the process of phasing out cheques by 31st October 2018, has brought payment methods for all businesses into sharp focus, prompting a new era for business transactions. Now is the time for businesses to seriously consider payment alternatives in order to be sufficiently prepared ahead of the proposed deadline. The eight year timeframe for the phasing out of cheques is more than adequate to allow businesses to research and adopt new solutions in order to make the switchover an easy and painless process.
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And until they do . I will continue to accept em , and clear em online in 24 hours . Not wrote one myself in 10 years . So not really bothered . Just let me know when they stop selling vinyl .i will have to stop playing my 500 plus albums cos you say they are out of date .
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Really . Or maybe some people like to get ripped off with there banking . A little research and I don’t pay a penny in bank charges . Cash , fine , online fine , cheques deposited online , fine. Clears the next day . If your custies can’t manage to pay by one of those methods , they are taking the mick . But I wil leave you lot to pay my banking charges and carry on collecting.
I don't pay any bank charges either for depositing/sending off cheques,BACS,etc.....
At the end of the day you gotta move with the times eventually(just like from trad to WFP!) ;D.....
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Move with what times . ? Accepting cheques and depositing em online free of charge . And clearing in 24 hours . Or getting a card reader out and getting charged 2% and waiting 5 days for my cash . :P I believe you also still collect . ;D ;D ;D.
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Move with what times . ? Accepting cheques and depositing em online free of charge . And clearing in 24 hours . Or getting a card reader out and getting charged 2% and waiting 5 days for my cash . :P I believe you also still collect . ;D ;D ;D.
Yep I do still collect but it's only a few hours a month these days... ;D
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So Daz, have you a business bank account? The FAQ's state that your business name and bank account must be the same.
I bank all our takings into my personal account once a week. No personal accounts will be linked to this reader.
The company name registered with SumUp must be the same as that listed on the bank account. Every company must have a company bank account to avoid payment issues. (Meaning personal bank accounts will not be accepted.)
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So Daz, have you a business bank account? The FAQ's state that your business name and bank account must be the same.
I bank all our takings into my personal account once a week. No personal accounts will be linked to this reader.
The company name registered with SumUp must be the same as that listed on the bank account. Every company must have a company bank account to avoid payment issues. (Meaning personal bank accounts will not be accepted.)
cheers spruce...no i didnt know this...... its a personal account im using at the moment but ill open a business bank account and change my bank details now...... :)
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So Daz, have you a business bank account? The FAQ's state that your business name and bank account must be the same.
I bank all our takings into my personal account once a week. No personal accounts will be linked to this reader.
The company name registered with SumUp must be the same as that listed on the bank account. Every company must have a company bank account to avoid payment issues. (Meaning personal bank accounts will not be accepted.)
If you are a sole trader there is no legal requirement to set up a business account. As a sole trader is the business no matter what the trading name is.
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So Daz, have you a business bank account? The FAQ's state that your business name and bank account must be the same.
I bank all our takings into my personal account once a week. No personal accounts will be linked to this reader.
The company name registered with SumUp must be the same as that listed on the bank account. Every company must have a company bank account to avoid payment issues. (Meaning personal bank accounts will not be accepted.)
cheers spruce...no i didnt know this...... its a personal account im using at the moment but ill open a business bank account and change my bank details now...... :)
No need m8. You are a sole trader and you can use a personal account to run your business.
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I use a personal account connected to my SumUp, I'm also a Sole Trader.
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So Daz, have you a business bank account? The FAQ's state that your business name and bank account must be the same.
I bank all our takings into my personal account once a week. No personal accounts will be linked to this reader.
The company name registered with SumUp must be the same as that listed on the bank account. Every company must have a company bank account to avoid payment issues. (Meaning personal bank accounts will not be accepted.)
cheers spruce...no i didnt know this...... its a personal account im using at the moment but ill open a business bank account and change my bank details now...... :)
No need m8. You are a sole trader and you can use a personal account to run your business.
cheers marc...exactly! thats what i thought! ;) have done for years now!
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I use a personal account connected to my SumUp, I'm also a Sole Trader.
cheers larry...i thought id have to faff about opening another account for a min! ::)roll ;D
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I use a personal account connected to my SumUp, I'm also a Sole Trader.
cheers larry...i thought id have to faff about opening another account for a min! ::)roll ;D
Only thing you need to do is make sure your sum up account name matches that of your account name.
Only time you legally need a business account is when you incorporate to LTD status.
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I use a personal account connected to my SumUp, I'm also a Sole Trader.
cheers larry...i thought id have to faff about opening another account for a min! ::)roll ;D
Only thing you need to do is make sure your sum up account name matches that of your account name.
Only time you legally need a business account is when you incorporate to LTD status.
yeah it does marc...... :)
ive also been paid out from SumUp for a few jobs already......
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I use a personal account connected to my SumUp, I'm also a Sole Trader.
Hi larry....have you got a "virtual terminal" on your SumUp account for taking payments over the phone?i havent at present.i dont think id use it anyway but you never know....
and have you uploaded all your documents in the app?(driving licence or passport/utility bill/business cards or invoices,etc).i have but not heard back from SumUp yet......
cheers mate
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So Daz, have you a business bank account? The FAQ's state that your business name and bank account must be the same.
I bank all our takings into my personal account once a week. No personal accounts will be linked to this reader.
The company name registered with SumUp must be the same as that listed on the bank account. Every company must have a company bank account to avoid payment issues. (Meaning personal bank accounts will not be accepted.)
If you are a sole trader there is no legal requirement to set up a business account. As a sole trader is the business no matter what the trading name is.
there no legal requirement to set up a business account,but term and conditions of the banks personal account by the banks will say no business though a personal account
yes we know some do and have but just saying
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So Daz, have you a business bank account? The FAQ's state that your business name and bank account must be the same.
I bank all our takings into my personal account once a week. No personal accounts will be linked to this reader.
The company name registered with SumUp must be the same as that listed on the bank account. Every company must have a company bank account to avoid payment issues. (Meaning personal bank accounts will not be accepted.)
If you are a sole trader there is no legal requirement to set up a business account. As a sole trader is the business no matter what the trading name is.
there no legal requirement to set up a business account,but term and conditions of the banks personal account by the banks will say no business though a personal account
yes we know some do and have but just saying
When i was a sole trader
Natwest once insisted i have a business bank account.
I told them i dont want a businsss account; nor do i legally need one. They threatened to close my account; and i told them if they do i will take them to court for discrimination against self employed individuals; as i am self employed the money i put into my account is my wages; not business revenue. They backed down; but i changed banks in the end to Barclays and LLOYDS, as Natwest got terrible in the end with customer service.
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I use a personal account connected to my SumUp, I'm also a Sole Trader.
Hi larry....have you got a "virtual terminal" on your SumUp account for taking payments over the phone?i havent at present.i dont think id use it anyway but you never know....
and have you uploaded all your documents in the app?(driving licence or passport/utility bill/business cards or invoices,etc).i have but not heard back from SumUp yet......
cheers mate
Hi dazmond, no i haven't got a Virtual Terminal, not needed so far, but you never know down the road it could be Handy,
i think you can take payments over the phone, but you have to set this up with SumUp, and you have to log on to your account
from a computer, as far as i understand it you can't do this from your Smartphone SumUp App, and the charge for this transaction is higher.
I think it was last november when i bought the SumUp reader, did all the application stuff and uploading from my computer,
but i had to chase them up with a phone call, to get verification that my application & uploads were all in place, so that my account could go properly Live, without a restriction on transactions, they are based in Germany, hope this helps daz.
Larry
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I use a personal account connected to my SumUp, I'm also a Sole Trader.
Hi larry....have you got a "virtual terminal" on your SumUp account for taking payments over the phone?i havent at present.i dont think id use it anyway but you never know....
and have you uploaded all your documents in the app?(driving licence or passport/utility bill/business cards or invoices,etc).i have but not heard back from SumUp yet......
cheers mate
Hi dazmond, no i haven't got a Virtual Terminal, not needed so far, but you never know down the road it could be Handy,
i think you can take payments over the phone, but you have to set this up with SumUp, and you have to log on to your account
from a computer, as far as i understand it you can't do this from your Smartphone SumUp App, and the charge for this transaction is higher.
I think it was last november when i bought the SumUp reader, did all the application stuff and uploading from my computer,
but i had to chase them up with a phone call, to get verification that my application & uploads were all in place, so that my account could go properly Live, without a restriction on transactions, they are based in Germany, hope this helps daz.
Larry
thanks Larry.ive now had an email from SumUp that they ve received my documents so all is good.... :)
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http://www.itv.com/news/meridian/2018-08-20/will-coins-and-notes-become-obsolete/
It's even in the news a lot latley. Is this the future of cash? I for one will be happy to see it gone
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http://www.itv.com/news/meridian/2018-08-20/will-coins-and-notes-become-obsolete/
It's even in the news a lot latley. Is this the future of cash? I for one will be happy to see it gone
Hi Paul, I've started to use mine yesterday, 3 payments and 1 today.
The only downside is there is nowhere to record the customers address. Or am I missing something.
Customers love it though
Tony
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http://www.itv.com/news/meridian/2018-08-20/will-coins-and-notes-become-obsolete/
It's even in the news a lot latley. Is this the future of cash? I for one will be happy to see it gone
Hi Paul, I've started to use mine yesterday, 3 payments and 1 today.
The only downside is there is nowhere to record the customers address. Or am I missing something.
Customers love it though
Tony
Nice.
Dont worry about storing customer address on the terminal or app. No need to as you have records on your own customer database database.
All payments are guaranteed so you won't have any need to chase. No different when using card in a shop. If a customer requires a refund you just need to ask them to confirm the last 4 digits of their card so you can confirm which payment it is on your portal.
If helps when you go to payment history you can bring up a map of the location you were at when taking the payment.
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http://www.itv.com/news/meridian/2018-08-20/will-coins-and-notes-become-obsolete/
It's even in the news a lot latley. Is this the future of cash? I for one will be happy to see it gone
Hi Paul, I've started to use mine yesterday, 3 payments and 1 today.
The only downside is there is nowhere to record the customers address. Or am I missing something.
Customers love it though
Tony
Nice.
Dont worry about storing customer address on the terminal or app. No need to as you have records on your own customer database database.
All payments are guaranteed so you won't have any need to chase. No different when using card in a shop. If a customer requires a refund you just need to ask them to confirm the last 4 digits of their card so you can confirm which payment it is on your portal.
If helps when you go to payment history you can bring up a map of the location you were at when taking the payment.
Ok, so the only thing that relates the payment to the customer is the mobile number, the email address and a map of the where the payment was taken.
That said I haven't had a payment statement yet, if they do one.
I would be much happier if it could take the customers address.
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And the last 4 digits of their card and transaction number. And you will get a statment emailed on the payout day.
No address gets taken on any card reader as its not needed or required.
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I use Stripe.
No reader needed, download the app and take payments directly via your phone.
That way you can phone your custards and take payment over the phone. There really is no need to go knocking these days.
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http://www.itv.com/news/meridian/2018-08-20/will-coins-and-notes-become-obsolete/
It's even in the news a lot latley. Is this the future of cash? I for one will be happy to see it gone
Hi Paul, I've started to use mine yesterday, 3 payments and 1 today.
The only downside is there is nowhere to record the customers address. Or am I missing something.
Customers love it though
Tony
Put the customers address in the description section!then you know who's paid by card!
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on the SumUp app when you go to charge the customer,put the amount in, then the customers address in the description section.....its easy peasy.....
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on the SumUp app when you go to charge the customer,put the amount in, then the customers address in the description section.....its easy peasy.....
Great idea Daz.
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second time collecting last night with the reader and managed to get the most money in ive ever collected!its great!nearly half paid by card.. :)...its so easy for them..... 8)
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We used a paypal card reader for while between 2015 and 2017. It came in useful at times. I would say that it worked about 85% of the time; Paypals card reader was okay, but they hadn't quite nailed the technology and made it completely seamless and effort-free.
To start the conversion to Go Cardless, we started to only let new customers book onto the rounds if they had authorised a direct debit.
We also included something on the payment card to encourage customers to move to direct debit. I've pasted the words we used below, here they are:
Here is how it works in three steps.
1. Set up the direct debit at www.oliverthewindowcleaner.com/directdebit
Setting up the direct debit will take you less than two minutes
2. Five days after we've done the work you will receive an email stating the amount that you will pay for your window cleaning.
3. Payment is then made for today's work (and all cleans going forward) completely automatically and hassle-free.
Here is some more information about direct debit.
• The company we use is called Go Cardless. Their clients include HM Government and Virgin and you can read about them at www.gocardless.com. All payments are covered by the direct debit guarantee.
• This is not a monthly direct debit. You will get an email 5 days after we've done the work letting you know that payment is about to be made.
• You can cancel the direct debit at any time.
• It's free to use, secure and it saves you time in the future.
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Very good write up there.
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On the subject of adding customer details; i wouldnt bother. Personally its just more of a risk to data being hijacked.
I just leave a bill; if they are in i encourage payment by card. In 2019 i will no longer be accepting payment by cash; except the very few very elderly customers i have left.
Card is best for cashflow especially PayPal here as the funds are in your company bank account immediately.
BACS is second best because it doesnt cost anything; but only suitable for those customers who are good at paying. If i dont get thier payment within the week; i say that if they are looking for credit then i suggest a direct debit.
Direct debits are taken on the 26th day of the month for me; it saves book keepig time as its just one lump sum that comes through at the end of the month.
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Nice one guys.
For me I am about to put a stop to cheques as there is no guarantee on these anymore and a pain to manage and look out for mistakes on the cheques.
I have already been putting an end to cash as its getting to be a dirty word out there as we move towards a cashless society.
Most of my customers either pay on my card machine, use Gocardless or pay BACS these days.
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i still get a fair amount of cash....and long may it continue...who want to rely on cards all the time?...not me.... you cant beat a bit of cash payments too IMO.....
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On the subject of adding customer details; i wouldnt bother. Personally its just more of a risk to data being hijacked.
I just leave a bill; if they are in i encourage payment by card. In 2019 i will no longer be accepting payment by cash; except the very few very elderly customers i have left.
Card is best for cashflow especially PayPal here as the funds are in your company bank account immediately.
BACS is second best because it doesnt cost anything; but only suitable for those customers who are good at paying. If i dont get thier payment within the week; i say that if they are looking for credit then i suggest a direct debit.
Direct debits are taken on the 26th day of the month for me; it saves book keepig time as its just one lump sum that comes through at the end of the month.
why will you not accept cash as payment from next year? ::)roll
ill take anything.....cash/cheque/BACS/standing order/contactless/card payments......
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On the subject of adding customer details; i wouldnt bother. Personally its just more of a risk to data being hijacked.
I just leave a bill; if they are in i encourage payment by card. In 2019 i will no longer be accepting payment by cash; except the very few very elderly customers i have left.
Card is best for cashflow especially PayPal here as the funds are in your company bank account immediately.
BACS is second best because it doesnt cost anything; but only suitable for those customers who are good at paying. If i dont get thier payment within the week; i say that if they are looking for credit then i suggest a direct debit.
Direct debits are taken on the 26th day of the month for me; it saves book keepig time as its just one lump sum that comes through at the end of the month.
why will you not accept cash as payment from next year? ::)roll
ill take anything.....cash/cheque/BACS/standing order/contactless/card payments......
….except Gocardless......
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On the subject of adding customer details; i wouldnt bother. Personally its just more of a risk to data being hijacked.
I just leave a bill; if they are in i encourage payment by card. In 2019 i will no longer be accepting payment by cash; except the very few very elderly customers i have left.
Card is best for cashflow especially PayPal here as the funds are in your company bank account immediately.
BACS is second best because it doesnt cost anything; but only suitable for those customers who are good at paying. If i dont get thier payment within the week; i say that if they are looking for credit then i suggest a direct debit.
Direct debits are taken on the 26th day of the month for me; it saves book keepig time as its just one lump sum that comes through at the end of the month.
why will you not accept cash as payment from next year? ::)roll
ill take anything.....cash/cheque/BACS/standing order/contactless/card payments......
Its just a PITA thats why.
You do a £28 job and they give you £30; you got to carry a cash float about, or sometimes if you haven't the change keep £2 on account for the next time.
The cash you do get, well that needs to be paid into the bank which is becoming more difficult. Barclays ( in my case) have closed all the local branches bar woking town centre, where you have to park up and walk to the bank all before 4:30pm...its a joke. Even then there is a queue out the door as there is only one cashier; to then be told you can use the wall machines to pay cash in but you explain to them for the millionth time your not just paying in notes; your paying in coin aswell which the machines dont handle.. whilst they stare at you with this false helpful face...
You can pay in via post office; but everyone knows what its like queuing at one of those places whilst mrs Higgins pays for a sheet of stamps in 2p coins.
There are some reasons for u. ;D
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On the subject of adding customer details; i wouldnt bother. Personally its just more of a risk to data being hijacked.
I just leave a bill; if they are in i encourage payment by card. In 2019 i will no longer be accepting payment by cash; except the very few very elderly customers i have left.
Card is best for cashflow especially PayPal here as the funds are in your company bank account immediately.
BACS is second best because it doesnt cost anything; but only suitable for those customers who are good at paying. If i dont get thier payment within the week; i say that if they are looking for credit then i suggest a direct debit.
Direct debits are taken on the 26th day of the month for me; it saves book keepig time as its just one lump sum that comes through at the end of the month.
why will you not accept cash as payment from next year? ::)roll
ill take anything.....cash/cheque/BACS/standing order/contactless/card payments......
Its just a PITA thats why.
You do a £28 job and they give you £30; you got to carry a cash float about, or sometimes if you haven't the change keep £2 on account for the next time.
The cash you do get, well that needs to be paid into the bank which is becoming more difficult. Barclays ( in my case) have closed all the local branches bar woking town centre, where you have to park up and walk to the bank all before 4:30pm...its a joke. Even then there is a queue out the door as there is only one cashier; to then be told you can use the wall machines to pay cash in but you explain to them for the millionth time your not just paying in notes; your paying in coin aswell which the machines dont handle.. whilst they stare at you with this false helpful face...
You can pay in via post office; but everyone knows what its like queuing at one of those places whilst mrs Higgins pays for a sheet of stamps in 2p coins.
There are some reasons for u. ;D
i never have to pay any money into my bank as i get enough in BACS/cheque/standing orders and now card payments to easily cover my bills and lease payments on both my van and car....
i always have at least £100 in notes and coins as a float every time i go out to work...
getting a few cash payments means i dont need to use a card every time i want a coffee,fill up the van/car,take the missus out for a meal etc.... ;D