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Taking Payments by Card - My Solution!

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  • Taking Payments by Card - My Solution!

    In a previous thread, I mentioned that I thought I had found a way around the problem of taking payment by credit or debit cards without running up the expense of hiring a card machine.

    Yesterday I used my new system for the first time and, although it does take a few minutes longer than using a proper card machine, it worked!

    What I did was, on my website shop page I created some icons for use only by me, entitled "Miscellaneous Stall Item" and gave them different values (go have a look if you like). Then when someone wanted to make a purchase, on my notebook computer I logged into my website, clicked on the relevant icons' Add to cart buttons to make up the correct amount, then took the lady's card and entered the details and it all went through to my Paypal account. Of course, this does incur the usual Paypal fee, but at least I don't have to pay the monthly basic fee of around £30 for a card machine, plus Merchant bank and business account fees.

    I use the Notebook for other things as well, so my internet fee of £10 per month is used for much more than just taking payments.
    Daesul

    http://www.clairemanwani.com
    http://www.folksy.com/shops/clairemanwani
    http://www.etsy.com/uk/shop/ClaireManwaniPottery

  • #2
    sounds like a good idea! I wonder if there's a way you can do this direct through paypal? I mean without having to set up items for all the different values?
    Find me on Facebook
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    • #3
      You can, but the customer would either have to have a Paypal account to pay you directly, or an email address so you could send them a Paypal invoice. Paypal do have a virtual terminal but you have to pay £20 per month for that. I just realised that there would be less to-ing and fro-ing if I just set it up on my website. It only took 15 minutes to set it up, and now that's done, taking the actual payments is easy and straightforward.
      Daesul

      http://www.clairemanwani.com
      http://www.folksy.com/shops/clairemanwani
      http://www.etsy.com/uk/shop/ClaireManwaniPottery

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      • #4
        I'm assuming you're using this for craft fairs? One thing you'll need to watch out for is if the customer already has a paypal account with their debit/credit card attached to it. If so, you'll get an error message and be prompted to login to paypal. It might be easier just to hand your notebook to the customer once you've got the amount right and have them enter their details themselves.

        My partner did this for a trade show and had an issue when a customer wanted to pay by card, which was linked to their paypal account and couldn't remember their paypal password. She ended up paying cash.

        Carol
        Sparklez.co.uk
        Handmade Jewellery

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        • #5
          Originally posted by Sparklez View Post
          I'm assuming you're using this for craft fairs? One thing you'll need to watch out for is if the customer already has a paypal account with their debit/credit card attached to it. If so, you'll get an error message and be prompted to login to paypal. It might be easier just to hand your notebook to the customer once you've got the amount right and have them enter their details themselves.

          My partner did this for a trade show and had an issue when a customer wanted to pay by card, which was linked to their paypal account and couldn't remember their paypal password. She ended up paying cash.

          Carol
          They can still pay without logging in.

          I've done this at shows and it worked but was far too time consuming for me (I personlalise things at shows too and a queue built up a few times).

          The other thing to be wary of is that it can be s c a mmed, which happened to a friend of mine - twice at the same show with high value jewellery (they were probably together). The customers said they'd paid but hadn't received the item in the post (even though they'd taken the items at the show). PayPal came down on the customers' sides. A way round this might be to send a recorded delivery thank you note to the customer after purchase (you'll have their address in PayPal) then you have a record of something having been sent to the customer.
          digital stamps for cardmakers: http://www.handmadeharbour.co.uk
          blog: http://handmadeharbour.blogspot.com
          hand painted personalised plaques, clocks, canvases, etc: http://www.1stuniquegifts.co.uk
          blog: http://www.1stuniquegifts.co.uk/blog

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          • #6
            as a customer you also have the added risk of:

            stallholder has keylogger on their machine.
            stallholder goes through non secured connection (http rather than https) as well as non-encrypted wi-fi traffic
            stallholder goes to wrong paypal site, some **** one instead

            As a customer I would be wary of doing a transaction by this method.
            Genna Design Jewellery | Genna Design Blog | Genna Design Shop

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            • #7
              As I don't log straight into Paypal, but am connected via my website, I don't think there's a danger of ending up on a pretend Paypal site. And Paypal is, I believe, https.

              And people use non-encrypted WiFi all the time, don't they?
              Daesul

              http://www.clairemanwani.com
              http://www.folksy.com/shops/clairemanwani
              http://www.etsy.com/uk/shop/ClaireManwaniPottery

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              • #8
                Originally posted by Daesul View Post
                And people use non-encrypted WiFi all the time, don't they?
                Hopefully not for transferring credit card numbers...
                Genna Design Jewellery | Genna Design Blog | Genna Design Shop

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                • #9
                  I used to use a similar method. I explained the process and let the customer decide if they were happy to proceed. The problem I had was that the customer needed to enter their address details etc and it used to be quite lengthy. In the end I opted for a card machine, but I appreciate this is an expensive option.

                  cj
                  www.curiouscatcreative.co.uk
                  Become a facebook fan
                  Check out my blog

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                  • #10
                    I wish the banks would come up with a secure mobile machine that doesn't cost a fortune. We were at a show this weekend and as usual we had to take the old "click clack" manual machine and then process the payments again through the electronic machine in the office. It's such a nuisance, but thinking about the customers who paid by card yesterday, I think a lot of them would have been nervous about using a notebook or phone for payment, some of them said they didn't even use the internet.

                    Some paperwork came through the door on Saturday from Streamline saying they've introduced an affordable mobile payment solution, I'll have a closer look at that today. Surprise, surprise there were no prices mentioned in the flyer....
                    www.formerglory.co.uk- www.seatweaving.blogspot.com - Facebook page - Twitter

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                    • #11
                      Originally posted by Curious Cat View Post
                      I used to use a similar method. I explained the process and let the customer decide if they were happy to proceed. The problem I had was that the customer needed to enter their address details etc and it used to be quite lengthy. In the end I opted for a card machine, but I appreciate this is an expensive option.

                      cj
                      I know that some customers will not want to use my method, but until the banks bring out an affordable card machine that's my only option.
                      Daesul

                      http://www.clairemanwani.com
                      http://www.folksy.com/shops/clairemanwani
                      http://www.etsy.com/uk/shop/ClaireManwaniPottery

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                      • #12
                        Keep nagging the machine people to change. It's is working (at a snail pace) but Chip and Pin have caved into demand and no longer insist on you having a business account. You can use a personal account. They also cut my Merchant Bank charges.

                        I did moan on for 15 minutes to the nice girl on the other end of the phone line trying to persuade me to renew my contract........

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                        • #13
                          Originally posted by AnnieAnna View Post
                          Keep nagging the machine people to change. It's is working (at a snail pace) but Chip and Pin have caved into demand and no longer insist on you having a business account. You can use a personal account. They also cut my Merchant Bank charges.
                          Really? That's interesting. My friend wants a card machine but doesn't want a business account - who does, with the rates they charge? If things continue to improve, I might just get a card machine after all! Which company do you get your card machine from?
                          Daesul

                          http://www.clairemanwani.com
                          http://www.folksy.com/shops/clairemanwani
                          http://www.etsy.com/uk/shop/ClaireManwaniPottery

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                          • #14
                            I get my business bank account (no charges - infact they pay me £25 a year to have it!!) and credit card machine through the FSB. Even with the membership fee, it has been money well spent. My terminal rental has been reduced dramatically with a bit of good negotiating at the time of my contract renewal and I cover all my fees for the year many times over every few months. I certainly wouldn't have time to go through the laptop route during a busy show and I know for certain that many of my customers just wouldn't be comfortable doing it that way - some don't even want to order via my website as they are still wary of online purchasing (I certainly wouldn't feel happy entering any credit card details online using an unsecured WiFi connection anywhere, even at home, but especially in public locations as these are very vunerable to hackers who simply have equipment which picks up on unsecure networks and they can copy everything being entered onto websites, including passwords and card details)

                            Everyone is different and it is just a case of finding what works best for you. I certainly wouldn't go through the banks for my card machine as they charge way more than anyone else - my card terminal comes from 123Send and they are brilliant.

                            Well done for finding a solution that works for you.
                            Ali x

                            Etsy Shop: aliscraftstudio.etsy.com
                            Facebook: AlisCraftStudio
                            Follow me on Twitter:
                            @AlisCraftStudio

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                            • #15
                              Originally posted by Daesul View Post
                              I know that some customers will not want to use my method, but until the banks bring out an affordable card machine that's my only option.
                              I agree it gives you an option which otherwise you wouldn't have. I really wish there was a more affordable chip & pin machine for people like us.

                              cj
                              www.curiouscatcreative.co.uk
                              Become a facebook fan
                              Check out my blog

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