Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: mlscontractcleaner on April 11, 2010, 09:06:54 pm

Title: Credit card payments???
Post by: mlscontractcleaner on April 11, 2010, 09:06:54 pm
I'm considering setting up an account with someone like "Streamline" for a mobile credit card terminal, allowing my business to accept payment by credit / visa cards.

Has anyone else any experience with this company, or any others for that matter, and what are the pros and cons in your experience????
Title: Re: Credit card payments???
Post by: mlscontractcleaner on April 11, 2010, 09:39:05 pm
Not many then I guess ;D
Title: Re: Credit card payments???
Post by: ivesonswc on April 11, 2010, 09:44:24 pm
I would think that having a streamline mobile terminal will be expensive  :o it's better to have a web site and offer paypal payments cheaper to
Title: Re: Credit card payments???
Post by: mlscontractcleaner on April 11, 2010, 09:46:54 pm
I was told today be someone who uses them that it costs him £27 per month plus 35p per transaction; not too bad in my opinion ;)
Title: Re: Credit card payments???
Post by: ivesonswc on April 11, 2010, 09:55:45 pm
£324 a year with out the 35p per transaction plus you would your customers trust you if they had to phone with cards details ,  i would rather have an online payment system
Title: Re: Credit card payments???
Post by: Window Washers on April 12, 2010, 07:54:56 am
try 123send.net maybe
Title: Re: Credit card payments???
Post by: Steve CM on April 12, 2010, 07:56:31 am
have a look at the paypal virtual terminal

but i agree with ivesons. paypal on the website is cheaper
Title: Re: Credit card payments???
Post by: Moderator David@stives on April 12, 2010, 08:02:29 am
Paypal is good, but not everyone has it.

We have a veg box belivered once a week and the bill soon mounts up, whan I forget to pay for a few weeks  they phone me up and ask me for payment by card there and then.

I might start doing the same it gets your money in quicker so maybe you have to borrow less.

It costs 20p a transaction and she passes that on to me, dont know if that would work with my customers though.
Title: Re: Credit card payments???
Post by: Steve CM on April 12, 2010, 08:07:55 am
Paypal is good, but not everyone has it.

they can use thier credit card through the merchant account without needing to have a paypal account
Title: Re: Credit card payments???
Post by: Moderator David@stives on April 12, 2010, 08:14:49 am
Steve

Can you imagine me explain that to Mrs Jones from 21A Smith street.

I cant find a slot for the card to go in, lol


Some people also have a deep mistrust of computers, my sister in fact wont give her card details across a pc.
Title: Re: Credit card payments???
Post by: Steve CM on April 12, 2010, 08:43:16 am
you can also take payments over the phone with the virtual control panel
Title: Re: Credit card payments???
Post by: Window Washers on April 12, 2010, 08:45:30 am
you can also take payments over the phone with the virtual control panel
:-\
Title: Re: Credit card payments???
Post by: formb on April 12, 2010, 09:04:13 am
you can also take payments over the phone with the virtual control panel
:-\

I take credit card payments via the telephone. Charge 50p for transactions paid in this way. It is VAT free and actually turns a small profit. No complaints from customers.

It is a great way of chasing "bad debt".

35p for a transaction is actually cheaper than a SAE......
Title: Re: Credit card payments???
Post by: Steve CM on April 12, 2010, 09:07:16 am
you can also take payments over the phone with the virtual control panel
:-\

a litte more info would be good if your stumped windy wiper ;)
Title: Re: Credit card payments???
Post by: mlscontractcleaner on April 12, 2010, 12:48:34 pm
What do I need to take payment over the phone???????

Who sets that up for me???????
Title: Re: Credit card payments???
Post by: formb on April 12, 2010, 01:23:37 pm
What do I need to take payment over the phone???????

Who sets that up for me???????
]

You need a CNP (Cardholder Not Present) machine.

My machine is from a company called Cardsave. The account is through Streamline (RBS).

You can shop around, most banks do a card payment service, although I believe RBS have a 98% share of the British market.

I would highly recommend getting one, there are also mobile units that you can use to collect card payments at the door (these are a bit pricey).

Not only does this help with cash flow, it looks very professional too. ;D
Title: Re: Credit card payments???
Post by: Window Washers on April 12, 2010, 05:59:09 pm
What do I need to take payment over the phone???????

Who sets that up for me???????
]

You need a CNP (Cardholder Not Present) machine.

My machine is from a company called Cardsave. The account is through Streamline (RBS).

You can shop around, most banks do a card payment service, although I believe RBS have a 98% share of the British market.

I would highly recommend getting one, there are also mobile units that you can use to collect card payments at the door (these are a bit pricey).

Not only does this help with cash flow, it looks very professional too. ;D
do you have any links to this company ?

What is your rental charge for your unit ? also how long do they hold your funds till it is cleared in your bank ?
Title: Re: Credit card payments???
Post by: formb on April 12, 2010, 07:14:04 pm
What do I need to take payment over the phone???????

Who sets that up for me???????
]

You need a CNP (Cardholder Not Present) machine.

My machine is from a company called Cardsave. The account is through Streamline (RBS).

You can shop around, most banks do a card payment service, although I believe RBS have a 98% share of the British market.

I would highly recommend getting one, there are also mobile units that you can use to collect card payments at the door (these are a bit pricey).

Not only does this help with cash flow, it looks very professional too. ;D
do you have any links to this company ?

What is your rental charge for your unit ? also how long do they hold your funds till it is cleared in your bank ?

www.cardsave.net

Its £27 per month. You pay three months up front.   :(

The money clears in 2 - 5 working days.  >:(

If you ensue you get the postcode and house number of the registered address of the card it goes quicker, it also seems to go quicker for the debit cards as opposed to credit cards.

2 - 5 working days may seem excessive but, if you consider the time to return a SAE and then 3 days to clear a cheque it's not too bad.  :)
Title: Re: Credit card payments???
Post by: Window Washers on April 12, 2010, 07:27:42 pm
What do I need to take payment over the phone???????

Who sets that up for me???????
]

You need a CNP (Cardholder Not Present) machine.

My machine is from a company called Cardsave. The account is through Streamline (RBS).

You can shop around, most banks do a card payment service, although I believe RBS have a 98% share of the British market.

I would highly recommend getting one, there are also mobile units that you can use to collect card payments at the door (these are a bit pricey).

Not only does this help with cash flow, it looks very professional too. ;D
do you have any links to this company ?

What is your rental charge for your unit ? also how long do they hold your funds till it is cleared in your bank ?

www.cardsave.net

Its £27 per month. You pay three months up front.   :(

The money clears in 2 - 5 working days.  >:(

If you ensue you get the postcode and house number of the registered address of the card it goes quicker, it also seems to go quicker for the debit cards as opposed to credit cards.

2 - 5 working days may seem excessive but, if you consider the time to return a SAE and then 3 days to clear a cheque it's not too bad.  :)
2-5 sounds good the sae thats a no need cost, my phone bill I have to send payment as do my credit cards, they dont send a sae.

Cheers for the reply  ;)

cAN i ASK HOW MANY YOU GET PAY LIKE THIS ?
Title: Re: Credit card payments???
Post by: formb on April 12, 2010, 08:40:24 pm
Started doing it in Oct 09.

I've had 158 so far (not much of an overall percentage).

Alot of that was bad debt that I may have otherwise not got.
Title: Re: Credit card payments???
Post by: KESSA on April 12, 2010, 09:41:57 pm
USE THE NEW IPHONE FOR CARD PAYMENTS ITS BRILL  ;D ;D ;D
Title: Re: Credit card payments???
Post by: Sapphire Window Cleaning on April 12, 2010, 10:06:18 pm
Paypal offers a virtual terminal, you log onto your paypal then bring up the virtual payment screen, you ask them for their details and put them into the terminal then the money is taken from their card and placed into your paypal account.
I have paypal business standard, I can accept card payments but via the website.



Matt