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Credit / Debit card payments - What do you recommend? #

Posted by Colin Hedger on November 13, 2011, 11:42 am

Year of Manufacture *: 1987

Not sure if this post is in the right place, but after nearly 30 years in the business i'm thinking of taking credit /debit cards.(yes i know!)
Can anyone please point me in the right direction to a comparison site or give me some good advice?
Minimum cost and ease of use are my main interests.
Cheers in advance.

Colin

Re: Credit/Debit card payments

Posted by aidan birley <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT2879' width='330' height='300' border=0 style='border:none;'> on November 13, 2011, 12:09 pm, in reply to "Credit/Debit card payments"
Aidan Birley

Colin

processing / accepting cards is is essential now, so do it !!

We have used cardsave for over 10 years well worth a call

cardsave

Cheers Aidan

Re: Credit/Debit card payments

Posted by Steve Norman <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT5548' width='330' height='300' border=0 style='border:none;'> on November 14, 2011, 6:48 am, in reply to "Credit/Debit card payments"
Steve Norman - Administrator

We use cardsave. no complaints.

Important to get all the others to quote you, as when cardsave come along, they will beat the best quote if you have it in writing, so this can save you a few percent.

Regards
Steve

Regards
Steve

Re: Credit/Debit card payments

Posted by Graham Bullock <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT2744' width='330' height='300' border=0 style='border:none;'> on November 14, 2011, 10:44 am, in reply to "Re: Credit/Debit card payments"
Graham Bullock

I am also with Cardsave.

As a low use first time user I ended up paying £19.95 per month rental and 30p per debit transaction and 1.95% for credit card transactions on a 12 month contract. I stand the cost of the debit transactions but I do add 2% to the invoice total for credit card use, most people then agree to pay using debit cards.

I also opted to have the machine set up on my broadband (although it can be used on the phone line if required) so I did not need another dedicated phone line and I could take payments over the phone with customer not present. The machine is really quick set up like this.
Definitely finding it is being used more and more as customers now know I have the machine.

Graham

Re: Credit/Debit card payments

Posted by Peter Warman <iframe src='https://members4.boardhost.com/ukautotalk/info/user=Peter+Warman' width='330' height='300' border=0 style='border:none;'> on November 14, 2011, 10:55 am, in reply to "Credit/Debit card payments"
Peter Warman - Administrator

Hi Colin

I use Cardsave

£19.95 rental per month

Mastercard 1.35%
Visa card 1.25%
Debit cards £00.20 per transaction

Peter

Re: Credit/Debit card payments

Posted by Steve Sneap <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT5333' width='330' height='300' border=0 style='border:none;'> on November 14, 2011, 5:12 pm, in reply to "Re: Credit/Debit card payments"
Stephen Sneap

DO NOT USE first data merchant service (F.D.M.S.) had a night mare getting out of thier contract .cutting along story short they wanted £400 to cancel.
Now with cardsave .I would check carefully any cancellation fees with others .Aim for same rates as Peter

Re: Credit/Debit card payments

Posted by James Simpson <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT5561' width='330' height='300' border=0 style='border:none;'> on November 15, 2011, 8:40 am, in reply to "Re: Credit/Debit card payments"
James Simpson - Administrator

We use Cardsave after getting fed up of Barclays stitching us up over card charges. Cardsave have been fine for the last couple of years. Points to bear in mind though, they sign you up on a rolling 12 month contract, you only get the chance to renegotiate/leave just before the 12 months is up, without paying release fees. Also they do negotiate on price, Go to your local Costco and pick up the leaflet giving 1.1% charges on credit cards, it will help get as good a deal as you can

Re: Credit/Debit card payments

Posted by Shaun Dale <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT2719' width='330' height='300' border=0 style='border:none;'> on November 15, 2011, 9:45 am, in reply to "Re: Credit/Debit card payments"

Hi Colin,
I am a member of the FSB (which I recommend)and got my machine via them.
FSB have a deal with streamline. A fiver a month off the rental making it £20.00, first 3 months rent free, no installation charge, debit cards 30p, credit cards 1.95%'ish depending on card type. I am only a one man band so I know I am not going to put enough business their way to get a better rate.
Shaun

Re: Credit/Debit card payments

Posted by Colin Hedger <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT1335' width='330' height='300' border=0 style='border:none;'> on November 15, 2011, 9:32 pm, in reply to "Re: Credit/Debit card payments"
Colin Hedger

OK , just been offered £16 per month then 1.4% for personal visa and mastercard, 2% for business cards and 18p for debit cards . 3p authority fee, no set up fee.
This is wth XLN, my phone provider who i am very happy with.I need to look at the small print, but based on the above, does'nt look too bad?

Colin.

Re: Credit/Debit card payments

Posted by stuart smith <iframe src='https://members4.boardhost.com/ukautotalk/info/user=ukat3259' width='330' height='300' border=0 style='border:none;'> on November 21, 2011, 6:37 am, in reply to "Re: Credit/Debit card payments"
Stuart Smith

check out costco as they have started a new service

Re: Credit/Debit card payments

Posted by Sean Murphy <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT1788' width='330' height='300' border=0 style='border:none;'> on November 21, 2011, 9:12 pm, in reply to "Re: Credit/Debit card payments"

I must be the odd one out - i use Cardsave and they are a PITA!

When things work its fine, but their last "mandatory upgrade" left my virtual terminal and website sales buggered up (just like it did last time). When i let them know they take AGES to sort anything out and i just get the "its not us its Streamline" line, then you call streamline and they say "its not us its Cardsave". I lost over £600-worth of web sales with not so much as a "sorry".

Their emails are alarmist without good reason, with titles such as, and i quote "AT YOUR OWN RISK" when a simple "important - please read" would have done, they are slow, and half the time dont give the impression they know what they are doing (last chap told me they didnt support my website shopping cart despite supporting it for the last 2 years! When argued he admitted he was wrong and they did support it).
Only reason i use it is for the ease of getting a Merchant Account that i use for our web sales, but sometimes i wonder if its worth it. When it all works its OK, when it doesnt its a nightmare....

I dont like dissing companies but i'm not overly impressed with this lot & if i had my time over i'd go with the system offered by my bank even though it cost slightly more....

Re: Credit/Debit card payments

Posted by Andrew Windle <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT1384' width='330' height='300' border=0 style='border:none;'> on November 22, 2011, 9:10 am, in reply to "Re: Credit/Debit card payments"
Andrew Windle

We signed up with Cardsave yesterday on the following rate:

Terminal = £17.50+VAT per month

Cards (ex. Comm Credit Cards) = 1.23% of each transaction
Comm Credit Cards = 1.8% of each transaction
Debit Cards = 19.5p per transaction

Been with Barclaycard since April 2010 and after some number crunching by my office manager we'll save approx £650 per year!

Will let you all know what the service is like in a few months...

Re: Credit/Debit card payments

Posted by Colin Jelf <iframe src='https://members4.boardhost.com/ukautotalk/info/user=UKAT1635' width='330' height='300' border=0 style='border:none;'> on November 25, 2011, 8:19 pm, in reply to "Re: Credit/Debit card payments"
Colin Jelf

Hi All
I Used to be with Card Save but Retail Merchant Services offered a better rate ,broadband line machine & ive had no problems,totally recommend there service.just google them for the website.
Regards Colin

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