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WHAT IS AN X OR Z REPORT? HOW DO THEY WORK? Definitions. X report: A summary report of the day’s till activities so far, such as sales totals divided into payment methods, refunds etc. (exact details can vary). It can be run any time during a trading day without resetting the day’s information in the POS system. Z report: Also called an end-of-day report, the Z report is run at the close of each trading day. CARD NOT PRESENT TRANSACTIONS: THE BASICS FOR MERCHANTS Card-not-present fraud in the UK. According to recent statistics published by UK Finance, losses from fraudulent CNP transactions totalled £470.2 million in 2019, 7% down from the year before. 359.3 million of this was from ecommerce, mail- and telephone orders (these numbers are for UK-issued debit and credit cards only).. In the UK, card-not-present transactions represent 68% of the total CAN YOU TAKE CARD PAYMENTS OVER THE PHONE? RULES EXPLAINED The short answer is yes, but it comes with certain responsibilities for the business. There is no law against over-the-phone payments in the United Kingdom, but businesses should be aware of certain standards, regulations and consumer rights affecting the legitimacy ofa
SUMUP 3G REVIEW
SumUp 3G reader is a lightweight card machine accepting the most popular credit and debit cards. It’s ideal for small businesses that want to accept cards anywhere. Highs: Just one transaction fee. No contract. Works independently anywhere with 3G, GPRS or WiFi. Lows: No out-of-the-box integration with POS systems. SQUARE VS TYRO: WHICH IS BEST FOR EFTPOS & ONLINE PAYMENTS? Tyro and Square are two competing payment platforms with similar offerings. One is an Australian stalwart that has a strong focus on familiar EFTPOS technologies, while the other is an international payments giant that has been expanding their EFTPOS VS DEBIT CARD: WHAT ARE THE DIFFERENCES? The eftpos payment system functions like a debit card system, with the following things in common. The card is linked to a current account at a bank. You can only spend money that is in the current account, though there may be an overdraft limit with interest charged. Transactions pull money immediately from the bank account. LES MEILLEURS TERMINAUX DE PAIEMENT POUR PETITESTRANSLATE THIS PAGE Les meilleurs terminaux de paiement pour les petites entreprises en Suisse. 6. Januar 2021. Afin de déterminer lequel est le meilleur terminal de paiement de 2021, nous avons présélectionné cinq terminaux qui répondent bien aux besoins des petites entreprises etdes indépendants.
HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible. TOP 5 SQUARE ALTERNATIVES IN 2021 Square’s idea was a stroke of genius in its simplicity: use your smartphone or tablet to accept credit and debit card payments. But in the US, businesses looking for mobile credit card processing solutions can choose between an increasing number of HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
WHAT IS AN X OR Z REPORT? HOW DO THEY WORK? Definitions. X report: A summary report of the day’s till activities so far, such as sales totals divided into payment methods, refunds etc. (exact details can vary). It can be run any time during a trading day without resetting the day’s information in the POS system. Z report: Also called an end-of-day report, the Z report is run at the close of each trading day. CARD NOT PRESENT TRANSACTIONS: THE BASICS FOR MERCHANTS Card-not-present fraud in the UK. According to recent statistics published by UK Finance, losses from fraudulent CNP transactions totalled £470.2 million in 2019, 7% down from the year before. 359.3 million of this was from ecommerce, mail- and telephone orders (these numbers are for UK-issued debit and credit cards only).. In the UK, card-not-present transactions represent 68% of the total CAN YOU TAKE CARD PAYMENTS OVER THE PHONE? RULES EXPLAINED The short answer is yes, but it comes with certain responsibilities for the business. There is no law against over-the-phone payments in the United Kingdom, but businesses should be aware of certain standards, regulations and consumer rights affecting the legitimacy ofa
SUMUP 3G REVIEW
SumUp 3G reader is a lightweight card machine accepting the most popular credit and debit cards. It’s ideal for small businesses that want to accept cards anywhere. Highs: Just one transaction fee. No contract. Works independently anywhere with 3G, GPRS or WiFi. Lows: No out-of-the-box integration with POS systems. SQUARE VS TYRO: WHICH IS BEST FOR EFTPOS & ONLINE PAYMENTS? Tyro and Square are two competing payment platforms with similar offerings. One is an Australian stalwart that has a strong focus on familiar EFTPOS technologies, while the other is an international payments giant that has been expanding their EFTPOS VS DEBIT CARD: WHAT ARE THE DIFFERENCES? The eftpos payment system functions like a debit card system, with the following things in common. The card is linked to a current account at a bank. You can only spend money that is in the current account, though there may be an overdraft limit with interest charged. Transactions pull money immediately from the bank account. LES MEILLEURS TERMINAUX DE PAIEMENT POUR PETITESTRANSLATE THIS PAGE Les meilleurs terminaux de paiement pour les petites entreprises en Suisse. 6. Januar 2021. Afin de déterminer lequel est le meilleur terminal de paiement de 2021, nous avons présélectionné cinq terminaux qui répondent bien aux besoins des petites entreprises etdes indépendants.
MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
DIFFERENT TYPES OF MOBILE PAYMENTS EXPLAINED Apple Pay is an example that cuts across several categories, allowing contactless payments on card terminals (using fingerprint authentication via the phone), in-app purchases and payments on the internet. Google Pay and Samsung Pay are two other big mobile wallet contenders. Digital wallets are very secure to use. WHAT IS INTERCHANGE PLUS PLUS PRICING? DEFINITION & FEE MODEL The pricing structure called Interchange Plus Plus (interchange++) is the most detailed breakdown of the true costs. Basically, interchange++ is a pricing model consisting of the fees charged by the relevant card issuer, card scheme and acquiring bank processing a transaction. To explain it properly, you first have to know who’sinvolved in
CARD NOT PRESENT TRANSACTIONS: THE BASICS FOR MERCHANTS Card-not-present fraud in the UK. According to recent statistics published by UK Finance, losses from fraudulent CNP transactions totalled £470.2 million in 2019, 7% down from the year before. 359.3 million of this was from ecommerce, mail- and telephone orders (these numbers are for UK-issued debit and credit cards only).. In the UK, card-not-present transactions represent 68% of the total SUMUP SOLO REVIEW: SMALL, SIMPLE TOUCHSCREEN CARD MACHINE How SumUp Solo works. SumUp is known for its user-friendly, simple card payment solutions for small businesses and sole traders alike. The latest card terminal, SumUp Solo, is a special one: a square-shaped, standalone card reader without a physical PIN pad. SQUARE FOR RETAIL REVIEW: CLEVER POS APP WITH ONLINE TOOLS What is Square for Retail? Square for Retail is a cloud-based point of sale (POS) system that works on iPad and iPhone only. It is a more advanced POS system than the free Square Point of Sale app that is more general than retail-specific.With Square Retail Australia, you get features only relevant to retail, whether selling in person oronline.
EFTPOS VS DEBIT CARD: WHAT ARE THE DIFFERENCES? The eftpos payment system functions like a debit card system, with the following things in common. The card is linked to a current account at a bank. You can only spend money that is in the current account, though there may be an overdraft limit with interest charged. Transactions pull money immediately from the bank account. 6 BEST IPHONE CREDIT CARD READERS WITH PAYMENT APP There are three iPhone credit card readers to pick from. PayPal Chip & Swipe Reader for $24.99 is the cheapest one, but it doesn’t accept contactless. The PayPal Chip & Tap Reader (pictured below) costs $59.99 and accepts tap, swipe and chip payments. The Chip Card Reader is also 3-in-1, with a keypad built in as well. 5 BEST RETAIL POS SYSTEMS FOR SMALL BUSINESS IN AUSTRALIA Vend is one of the best retail POS systems Australia can offer a small shop. The interface is user-friendly, but with advanced inventory functions while encompassing a well-rounded breadth of features to maximise retail performance. MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
TOP 5 SQUARE ALTERNATIVES IN 2021 Swipe & dip transaction rate. 2.75%. Keyed-in rate (payment links, virtual terminal) 3.25% + 15¢. Invoice transaction rate. 2.9% + 15¢. SumUp is ideal for sporadic use since you’re not committing to a long-term contract and you pay the same rate regardless of card type. Like Square, bank account deposits take 1-2 days. HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
WHAT IS AN X OR Z REPORT? HOW DO THEY WORK? Definitions. X report: A summary report of the day’s till activities so far, such as sales totals divided into payment methods, refunds etc. (exact details can vary). It can be run any time during a trading day without resetting the day’s information in the POS system. Z report: Also called an end-of-day report, the Z report is run at the close of each trading day. HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments. SQUARE VS TYRO: WHICH IS BEST FOR EFTPOS & ONLINE PAYMENTS? Tyro and Square are two competing payment platforms with similar offerings. One is an Australian stalwart that has a strong focus on familiar EFTPOS technologies, while the other is an international payments giant that has been expanding their EFTPOS MACHINE FOR SMALL BUSINESS: 5 BEST IN AUSTRALIA NAB EFTPOS – Mobile card machine with rolling contract, same-day settlement with NAB account. Westpac EFTPOS – Fees best for a steady turnover, good POS integrations, same-day payouts with Westpac bank account. Albert EFTPOS – Tablet EFTPOS terminal that’s a bit expensive (and not the newest technology) for a small businesses. CAN YOU CHARGE CUSTOMERS FOR EFTPOS FEES? HOW MUCH? The short answer is yes, but there are some rules around them. For a start, merchants cannot charge more than what they pay in transaction fees. You can either charge differing amounts in EFTPOS fees or choose a fixed percentage/amount for all card payments. You also have to be transparent about these fees to your customers in line with MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
TOP 5 SQUARE ALTERNATIVES IN 2021 Swipe & dip transaction rate. 2.75%. Keyed-in rate (payment links, virtual terminal) 3.25% + 15¢. Invoice transaction rate. 2.9% + 15¢. SumUp is ideal for sporadic use since you’re not committing to a long-term contract and you pay the same rate regardless of card type. Like Square, bank account deposits take 1-2 days. HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
WHAT IS AN X OR Z REPORT? HOW DO THEY WORK? Definitions. X report: A summary report of the day’s till activities so far, such as sales totals divided into payment methods, refunds etc. (exact details can vary). It can be run any time during a trading day without resetting the day’s information in the POS system. Z report: Also called an end-of-day report, the Z report is run at the close of each trading day. HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments. SQUARE VS TYRO: WHICH IS BEST FOR EFTPOS & ONLINE PAYMENTS? Tyro and Square are two competing payment platforms with similar offerings. One is an Australian stalwart that has a strong focus on familiar EFTPOS technologies, while the other is an international payments giant that has been expanding their EFTPOS MACHINE FOR SMALL BUSINESS: 5 BEST IN AUSTRALIA NAB EFTPOS – Mobile card machine with rolling contract, same-day settlement with NAB account. Westpac EFTPOS – Fees best for a steady turnover, good POS integrations, same-day payouts with Westpac bank account. Albert EFTPOS – Tablet EFTPOS terminal that’s a bit expensive (and not the newest technology) for a small businesses. CAN YOU CHARGE CUSTOMERS FOR EFTPOS FEES? HOW MUCH? The short answer is yes, but there are some rules around them. For a start, merchants cannot charge more than what they pay in transaction fees. You can either charge differing amounts in EFTPOS fees or choose a fixed percentage/amount for all card payments. You also have to be transparent about these fees to your customers in line with MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMS Get paid. Payment processing for small businesses. Unbiased reviews of mobile card readers, POS systems and virtual terminals. HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
SUMUP SOLO REVIEW: SMALL, SIMPLE TOUCHSCREEN CARD MACHINE How SumUp Solo works. SumUp is known for its user-friendly, simple card payment solutions for small businesses and sole traders alike. The latest card terminal, SumUp Solo, is a special one: a square-shaped, standalone card reader without a physical PIN pad. QR CODE PAYMENT: WHAT IS IT AND HOW DOES IT WORK? 3) App-to-app payments. Both you and the recipient open the relevant apps, then you scan the recipient’s unique QR code displayed in their app through your own app. You confirm the amount to pay and tap to process the payment. Many big companies include a QR code WHAT IS A PAYMENT LINK AND HOW DOES IT WORK? There are mixed signals around the internet about what a ‘payment link’ is. In essence, a payment link is any link or button a person can click on within an internet browser, text message, email, app or social media in order to pay a specified amount of money online to a specified receiver. There are different, very similar terms for this depending on the payment provider offering the 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN IRELAND Clover by AIBMS. Clover produces standalone payment terminals with large touchscreens. Clover Flex is the smallest one available. It is portable, prints receipts and has POS features directly on its screen, meaning you can use it as a complete checkout with card payments built in. Clover Mini is more like a tablet terminal, best stationed on a counter (although it can be carried around). SQUARE FOR RETAIL REVIEW: CLEVER POS APP WITH ONLINE TOOLS What is Square for Retail? Square for Retail is a cloud-based point of sale (POS) system that works on iPad and iPhone only. It is a more advanced POS system than the free Square Point of Sale app that is more general than retail-specific.With Square Retail Australia, you get features only relevant to retail, whether selling in person oronline.
SUMUP 3G REVIEW
SumUp 3G reader is a lightweight card machine accepting the most popular credit and debit cards. It’s ideal for small businesses that want to accept cards anywhere. Highs: Just one transaction fee. No contract. Works independently anywhere with 3G, GPRS or WiFi. Lows: No out-of-the-box integration with POS systems. CLOVER FLEX TERMINAL REVIEW UK: WORTH ALL THE FEES? Our rating (3.7/5) The handheld Clover Flex works as a touchscreen checkout and card payment terminal. Clover Flex is a portable card terminal that works as a portable checkout too. Its touchscreen enables you to manage products, monitor sales, create orders and complete payments from anywhere with internet or 3G. CLOVER VS SQUARE 2020: WHICH POS & PAYMENT SYSTEM IS BEST? Mobile card reader for phone app. The mobile card readers are the cheapest way to accept cards with Clover and Square. Square actually has two app-based card readers: a very small Reader for magstripe (first one free, then $10 each) and Square Reader for contactless and chip card payments ($49). Clover has one small card reader for swipe, EMV and contactless, Clover Go ($69). MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
TOP 5 SQUARE ALTERNATIVES IN 2021 Swipe & dip transaction rate. 2.75%. Keyed-in rate (payment links, virtual terminal) 3.25% + 15¢. Invoice transaction rate. 2.9% + 15¢. SumUp is ideal for sporadic use since you’re not committing to a long-term contract and you pay the same rate regardless of card type. Like Square, bank account deposits take 1-2 days. HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments.SUMUP 3G REVIEW
SumUp 3G reader is a lightweight card machine accepting the most popular credit and debit cards. It’s ideal for small businesses that want to accept cards anywhere. Highs: Just one transaction fee. No contract. Works independently anywhere with 3G, GPRS or WiFi. Lows: No out-of-the-box integration with POS systems. EFTPOS MACHINE FOR SMALL BUSINESS: 5 BEST IN AUSTRALIA NAB EFTPOS – Mobile card machine with rolling contract, same-day settlement with NAB account. Westpac EFTPOS – Fees best for a steady turnover, good POS integrations, same-day payouts with Westpac bank account. Albert EFTPOS – Tablet EFTPOS terminal that’s a bit expensive (and not the newest technology) for a small businesses. EFTPOS VS DEBIT CARD: WHAT ARE THE DIFFERENCES? The eftpos payment system functions like a debit card system, with the following things in common. The card is linked to a current account at a bank. You can only spend money that is in the current account, though there may be an overdraft limit with interest charged. Transactions pull money immediately from the bank account. CAN YOU CHARGE CUSTOMERS FOR EFTPOS FEES? HOW MUCH? The short answer is yes, but there are some rules around them. For a start, merchants cannot charge more than what they pay in transaction fees. You can either charge differing amounts in EFTPOS fees or choose a fixed percentage/amount for all card payments. You also have to be transparent about these fees to your customers in line with TERMINAL PAX A 920 : PRÉSENTATION COMPLÈTE ET …TRANSLATE THIS PAGE Déballage du PAX A920. Le terminal et la base de rechargement sont livrés dans des emballage séparés. Pour cette séance de déballage, le PAX A920 est fourni par Yavin, qui a apposé une étiquette personnalisée. Bon, pour être honnête PAX n’a pas fait un gros effort sur l’emballage qui n’est pas à la hauteur ducontenu.
MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
TOP 5 SQUARE ALTERNATIVES IN 2021 Swipe & dip transaction rate. 2.75%. Keyed-in rate (payment links, virtual terminal) 3.25% + 15¢. Invoice transaction rate. 2.9% + 15¢. SumUp is ideal for sporadic use since you’re not committing to a long-term contract and you pay the same rate regardless of card type. Like Square, bank account deposits take 1-2 days. HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments.SUMUP 3G REVIEW
SumUp 3G reader is a lightweight card machine accepting the most popular credit and debit cards. It’s ideal for small businesses that want to accept cards anywhere. Highs: Just one transaction fee. No contract. Works independently anywhere with 3G, GPRS or WiFi. Lows: No out-of-the-box integration with POS systems. EFTPOS MACHINE FOR SMALL BUSINESS: 5 BEST IN AUSTRALIA NAB EFTPOS – Mobile card machine with rolling contract, same-day settlement with NAB account. Westpac EFTPOS – Fees best for a steady turnover, good POS integrations, same-day payouts with Westpac bank account. Albert EFTPOS – Tablet EFTPOS terminal that’s a bit expensive (and not the newest technology) for a small businesses. EFTPOS VS DEBIT CARD: WHAT ARE THE DIFFERENCES? The eftpos payment system functions like a debit card system, with the following things in common. The card is linked to a current account at a bank. You can only spend money that is in the current account, though there may be an overdraft limit with interest charged. Transactions pull money immediately from the bank account. CAN YOU CHARGE CUSTOMERS FOR EFTPOS FEES? HOW MUCH? The short answer is yes, but there are some rules around them. For a start, merchants cannot charge more than what they pay in transaction fees. You can either charge differing amounts in EFTPOS fees or choose a fixed percentage/amount for all card payments. You also have to be transparent about these fees to your customers in line with TERMINAL PAX A 920 : PRÉSENTATION COMPLÈTE ET …TRANSLATE THIS PAGE Déballage du PAX A920. Le terminal et la base de rechargement sont livrés dans des emballage séparés. Pour cette séance de déballage, le PAX A920 est fourni par Yavin, qui a apposé une étiquette personnalisée. Bon, pour être honnête PAX n’a pas fait un gros effort sur l’emballage qui n’est pas à la hauteur ducontenu.
WHAT IS A PAYMENT LINK AND HOW DOES IT WORK? There are mixed signals around the internet about what a ‘payment link’ is. In essence, a payment link is any link or button a person can click on within an internet browser, text message, email, app or social media in order to pay a specified amount of money online to a specified receiver. There are different, very similar terms for this depending on the payment provider offering the WHAT IS AN X OR Z REPORT? HOW DO THEY WORK? Definitions. X report: A summary report of the day’s till activities so far, such as sales totals divided into payment methods, refunds etc. (exact details can vary). It can be run any time during a trading day without resetting the day’s information in the POS system. Z report: Also called an end-of-day report, the Z report is run at the close of each trading day. HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
SUMUP SOLO REVIEW: SMALL, SIMPLE TOUCHSCREEN CARD MACHINE How SumUp Solo works. SumUp is known for its user-friendly, simple card payment solutions for small businesses and sole traders alike. The latest card terminal, SumUp Solo, is a special one: a square-shaped, standalone card reader without a physical PIN pad. HOW TO USE A POS MACHINE, STEP BY STEP EXPLAINED An integrated terminal is connected with the EPOS software, so that when you’ve entered products on the till screen and pick card payment, the central software will send the transaction amount to the card terminal. The card machine will then usually light up and show the payment total automatically, prompting the customer to pay that (or add a tip, if that setting is switched on). 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN IRELAND Clover by AIBMS. Clover produces standalone payment terminals with large touchscreens. Clover Flex is the smallest one available. It is portable, prints receipts and has POS features directly on its screen, meaning you can use it as a complete checkout with card payments built in. Clover Mini is more like a tablet terminal, best stationed on a counter (although it can be carried around).SUMUP 3G REVIEW
SumUp 3G reader is a lightweight card machine accepting the most popular credit and debit cards. It’s ideal for small businesses that want to accept cards anywhere. Highs: Just one transaction fee. No contract. Works independently anywhere with 3G, GPRS or WiFi. Lows: No out-of-the-box integration with POS systems. CLOVER FLEX TERMINAL REVIEW UK: WORTH ALL THE FEES? Our rating (3.7/5) The handheld Clover Flex works as a touchscreen checkout and card payment terminal. Clover Flex is a portable card terminal that works as a portable checkout too. Its touchscreen enables you to manage products, monitor sales, create orders and complete payments from anywhere with internet or 3G. SQUARE FOR RESTAURANTS REVIEW: WORTHY POS APP IN 2021? Square restaurant POS is a cloud-based point of sale (POS) system that works on Square Register or iPad connected with Square card terminals. It has restaurant-specific features for small single- or multi-location food venues, with optional modules for payroll, customer loyalty, ecommerce and marketing. The software generallyrequires an
CLOVER VS SQUARE 2020: WHICH POS & PAYMENT SYSTEM IS BEST? Mobile card reader for phone app. The mobile card readers are the cheapest way to accept cards with Clover and Square. Square actually has two app-based card readers: a very small Reader for magstripe (first one free, then $10 each) and Square Reader for contactless and chip card payments ($49). Clover has one small card reader for swipe, EMV and contactless, Clover Go ($69). MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The BUSINESS TYPES RESTRICTED BY SQUARE, PAYPAL, IZETTLE AND SUMUP Alcohol and/or tobacco sales are restricted to some extent by all the providers. Specifically: SumUp restricts any intoxicating substances, which would include alcohol. Square only restricts alcohol and tobacco sales for internet, mail order and telephone merchants. iZettle restricts the “illegal sale of tobacco/alcohol products”. 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN IRELAND Clover by AIBMS. Clover produces standalone payment terminals with large touchscreens. Clover Flex is the smallest one available. It is portable, prints receipts and has POS features directly on its screen, meaning you can use it as a complete checkout with card payments built in. Clover Mini is more like a tablet terminal, best stationed on a counter (although it can be carried around). 6 BEST INVOICE APPS FOR UK SMALL BUSINESSES We think Square Invoices is the best free invoice app in the UK. It’s easy to use, and you can accept card payments directly through the invoice for 2.5% per transaction. It’s free to use the app and features – you only pay when your client pays online through the email link or URL for the invoice. CLOVER FLEX TERMINAL REVIEW UK: WORTH ALL THE FEES? Our rating (3.7/5) The handheld Clover Flex works as a touchscreen checkout and card payment terminal. Clover Flex is a portable card terminal that works as a portable checkout too. Its touchscreen enables you to manage products, monitor sales, create orders and complete payments from anywhere with internet or 3G. 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments. CAFE POS SYSTEMS IN THE UK: 6 BEST IN 2021 To Goodtill. Goodtill is an iPad EPOS system that starts at a low price: £29 + VAT for the core POS module. Cafés may then add the Hospitality module for an additional £9 per month and other more advanced POS modules such as advanced promotions, EFTPOS MACHINE FOR SMALL BUSINESS: 5 BEST IN AUSTRALIA NAB EFTPOS – Mobile card machine with rolling contract, same-day settlement with NAB account. Westpac EFTPOS – Fees best for a steady turnover, good POS integrations, same-day payouts with Westpac bank account. Albert EFTPOS – Tablet EFTPOS terminal that’s a bit expensive (and not the newest technology) for a small businesses. MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The BUSINESS TYPES RESTRICTED BY SQUARE, PAYPAL, IZETTLE AND SUMUP Alcohol and/or tobacco sales are restricted to some extent by all the providers. Specifically: SumUp restricts any intoxicating substances, which would include alcohol. Square only restricts alcohol and tobacco sales for internet, mail order and telephone merchants. iZettle restricts the “illegal sale of tobacco/alcohol products”. 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN IRELAND Clover by AIBMS. Clover produces standalone payment terminals with large touchscreens. Clover Flex is the smallest one available. It is portable, prints receipts and has POS features directly on its screen, meaning you can use it as a complete checkout with card payments built in. Clover Mini is more like a tablet terminal, best stationed on a counter (although it can be carried around). 6 BEST INVOICE APPS FOR UK SMALL BUSINESSES We think Square Invoices is the best free invoice app in the UK. It’s easy to use, and you can accept card payments directly through the invoice for 2.5% per transaction. It’s free to use the app and features – you only pay when your client pays online through the email link or URL for the invoice. CLOVER FLEX TERMINAL REVIEW UK: WORTH ALL THE FEES? Our rating (3.7/5) The handheld Clover Flex works as a touchscreen checkout and card payment terminal. Clover Flex is a portable card terminal that works as a portable checkout too. Its touchscreen enables you to manage products, monitor sales, create orders and complete payments from anywhere with internet or 3G. 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments. CAFE POS SYSTEMS IN THE UK: 6 BEST IN 2021 To Goodtill. Goodtill is an iPad EPOS system that starts at a low price: £29 + VAT for the core POS module. Cafés may then add the Hospitality module for an additional £9 per month and other more advanced POS modules such as advanced promotions, EFTPOS MACHINE FOR SMALL BUSINESS: 5 BEST IN AUSTRALIA NAB EFTPOS – Mobile card machine with rolling contract, same-day settlement with NAB account. Westpac EFTPOS – Fees best for a steady turnover, good POS integrations, same-day payouts with Westpac bank account. Albert EFTPOS – Tablet EFTPOS terminal that’s a bit expensive (and not the newest technology) for a small businesses. MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMS Get paid. Payment processing for small businesses. Unbiased reviews of mobile card readers, POS systems and virtual terminals. TOP 5 SQUARE ALTERNATIVES IN 2021 Square’s idea was a stroke of genius in its simplicity: use your smartphone or tablet to accept credit and debit card payments. But in the US, businesses looking for mobile credit card processing solutions can choose between an increasing number of WHAT IS AN X OR Z REPORT? HOW DO THEY WORK? Definitions. X report: A summary report of the day’s till activities so far, such as sales totals divided into payment methods, refunds etc. (exact details can vary). It can be run any time during a trading day without resetting the day’s information in the POS system. Z report: Also called an end-of-day report, the Z report is run at the close of each trading day. BUSINESS TYPES RESTRICTED BY SQUARE, PAYPAL, IZETTLE AND SUMUP Alcohol and/or tobacco sales are restricted to some extent by all the providers. Specifically: SumUp restricts any intoxicating substances, which would include alcohol. Square only restricts alcohol and tobacco sales for internet, mail order and telephone merchants. iZettle restricts the “illegal sale of tobacco/alcohol products”. CAN YOU TAKE CARD PAYMENTS OVER THE PHONE? RULES EXPLAINED The short answer is yes, but it comes with certain responsibilities for the business. There is no law against over-the-phone payments in the United Kingdom, but businesses should be aware of certain standards, regulations and consumer rights affecting the legitimacy ofa
CASHPLUS BUSINESS ACCOUNT REVIEW: HOW GOOD IS IT REALLY? A Cashplus account is particularly attractive to those with a poor credit history because there’s no credit check performed, and account features allow you to build a good credit history. Unlike most other challenger banks, Cashplus offers a business overdraft and (currently unavailable) cash advance to eligible users. 5 BEST BUSINESS ACCOUNTS FOR SELF-EMPLOYED IN THE UK Starling is a British bank run entirely online and through a banking app. It is one of the most advanced online banks in the UK, offering different bank accounts including a free Sole Trader account specifically for self-employed people.. The business account comes with a Debit Mastercard, IBAN for international transfers and the option to add a Euro account for £2 monthly and/or US dollar VIRTUAL TERMINALS IN THE UK Customer service is only available during working hours in the UK. PayPal’s virtual terminal is simple to use, but costs are a little complicated. To cut to the chase, the costs of their virtual terminal are some of the highest for small businesses. Firstly, there’s a 20 (no VAT applicable) monthly fee for having the virtual terminalin
EFTPOS VS DEBIT CARD: WHAT ARE THE DIFFERENCES? The eftpos payment system functions like a debit card system, with the following things in common. The card is linked to a current account at a bank. You can only spend money that is in the current account, though there may be an overdraft limit with interest charged. Transactions pull money immediately from the bank account. CAN YOU CHARGE CUSTOMERS FOR EFTPOS FEES? HOW MUCH? The short answer is yes, but there are some rules around them. For a start, merchants cannot charge more than what they pay in transaction fees. You can either charge differing amounts in EFTPOS fees or choose a fixed percentage/amount for all card payments. You also have to be transparent about these fees to your customers in line with MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
TOP 5 SQUARE ALTERNATIVES IN 2021 Swipe & dip transaction rate. 2.75%. Keyed-in rate (payment links, virtual terminal) 3.25% + 15¢. Invoice transaction rate. 2.9% + 15¢. SumUp is ideal for sporadic use since you’re not committing to a long-term contract and you pay the same rate regardless of card type. Like Square, bank account deposits take 1-2 days. HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible.SUMUP 3G REVIEW
SumUp 3G is a pocket-sized card machine with an inbuilt SIM card. The terminal is very lightweight and easy to carry around compared to a traditional one, but sturdy enough to be reliable. In contrast to card readers that work in conjunction with a mobile app, there is no SumUp 3G app that the terminal can connect with. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN IRELAND Clover by AIBMS. Clover produces standalone payment terminals with large touchscreens. Clover Flex is the smallest one available. It is portable, prints receipts and has POS features directly on its screen, meaning you can use it as a complete checkout with card payments built in. Clover Mini is more like a tablet terminal, best stationed on a counter (although it can be carried around). 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments. VIRTUAL TERMINALS IN THE UK Customer service is only available during working hours in the UK. PayPal’s virtual terminal is simple to use, but costs are a little complicated. To cut to the chase, the costs of their virtual terminal are some of the highest for small businesses. Firstly, there’s a 20 (no VAT applicable) monthly fee for having the virtual terminalin
CLOVER FLEX TERMINAL REVIEW UK: WORTH ALL THE FEES?CLOVER FLEX VSCLOVER MOBILE
Our rating (3.7/5) The handheld Clover Flex works as a touchscreen checkout and card payment terminal. Clover Flex is a portable card terminal that works as a portable checkout too. Its touchscreen enables you to manage products, monitor sales, create orders and complete payments from anywhere with internet or 3G. MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
TOP 5 SQUARE ALTERNATIVES IN 2021 Swipe & dip transaction rate. 2.75%. Keyed-in rate (payment links, virtual terminal) 3.25% + 15¢. Invoice transaction rate. 2.9% + 15¢. SumUp is ideal for sporadic use since you’re not committing to a long-term contract and you pay the same rate regardless of card type. Like Square, bank account deposits take 1-2 days. HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible.SUMUP 3G REVIEW
SumUp 3G is a pocket-sized card machine with an inbuilt SIM card. The terminal is very lightweight and easy to carry around compared to a traditional one, but sturdy enough to be reliable. In contrast to card readers that work in conjunction with a mobile app, there is no SumUp 3G app that the terminal can connect with. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN IRELAND Clover by AIBMS. Clover produces standalone payment terminals with large touchscreens. Clover Flex is the smallest one available. It is portable, prints receipts and has POS features directly on its screen, meaning you can use it as a complete checkout with card payments built in. Clover Mini is more like a tablet terminal, best stationed on a counter (although it can be carried around). 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments. VIRTUAL TERMINALS IN THE UK Customer service is only available during working hours in the UK. PayPal’s virtual terminal is simple to use, but costs are a little complicated. To cut to the chase, the costs of their virtual terminal are some of the highest for small businesses. Firstly, there’s a 20 (no VAT applicable) monthly fee for having the virtual terminalin
CLOVER FLEX TERMINAL REVIEW UK: WORTH ALL THE FEES?CLOVER FLEX VSCLOVER MOBILE
Our rating (3.7/5) The handheld Clover Flex works as a touchscreen checkout and card payment terminal. Clover Flex is a portable card terminal that works as a portable checkout too. Its touchscreen enables you to manage products, monitor sales, create orders and complete payments from anywhere with internet or 3G. TOP 5 SQUARE ALTERNATIVES IN 2021 Square’s idea was a stroke of genius in its simplicity: use your smartphone or tablet to accept credit and debit card payments. But in the US, businesses looking for mobile credit card processing solutions can choose between an increasing number of HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
HOW TO USE A POS MACHINE, STEP BY STEP EXPLAINED An integrated terminal is connected with the EPOS software, so that when you’ve entered products on the till screen and pick card payment, the central software will send the transaction amount to the card terminal. The card machine will then usually light up and show the payment total automatically, prompting the customer to pay that (or add a tip, if that setting is switched on). BUSINESS TYPES RESTRICTED BY SQUARE, PAYPAL, IZETTLE AND SUMUP Alcohol and/or tobacco sales are restricted to some extent by all the providers. Specifically: SumUp restricts any intoxicating substances, which would include alcohol. Square only restricts alcohol and tobacco sales for internet, mail order and telephone merchants. iZettle restricts the “illegal sale of tobacco/alcohol products”. WHAT IS A NEOBANK? HOW DOES IT DIFFER FROM TRADITIONAL BANKS? Neobank literally means “new bank”, derived from the Greek word νεος (neos) meaning “new”. It is an umbrella term for the new generation of cutting-edge, fully digital banking services aiming to be more accessible than traditional banks. The range of offerings by neobanks varies, as does the level of licensing and limitations. 6 BEST IPHONE CREDIT CARD READERS WITH PAYMENT APP There are three iPhone credit card readers to pick from. PayPal Chip & Swipe Reader for $24.99 is the cheapest one, but it doesn’t accept contactless. The PayPal Chip & Tap Reader (pictured below) costs $59.99 and accepts tap, swipe and chip payments. The Chip Card Reader is also 3-in-1, with a keypad built in as well. CAFE POS SYSTEMS IN THE UK: 6 BEST IN 2021 To Goodtill. Goodtill is an iPad EPOS system that starts at a low price: £29 + VAT for the core POS module. Cafés may then add the Hospitality module for an additional £9 per month and other more advanced POS modules such as advanced promotions, SQUARE VS PAYPAL: SIMILAR CARD READERS WITH BIG DIFFERENCES Square Reader is the smallest at 1.98 oz. and 0.4 x 2.6 x 2.6 inches, which can be expected since it has no inbuilt swipe functionality. PayPal Chip and Tap Reader weighs 2.3 oz. and is 0.74 x 2.64 x 2.64 inches big. PayPal card readers with app. None of the card readerswork on their own.
POS COMPARISON OF THE 5 BEST UK TILL SYSTEMS This POS comparison looks at key differences and features between some major till systems designed for a variety of trades. We compare POS systems that are considered the best overall. They are all software-as-a-service (SaaS), i.e. you pay a monthly subscription to access it through the cloud. Some of them can be used without internettoo, but
CAN YOU CHARGE CUSTOMERS FOR EFTPOS FEES? HOW MUCH? The short answer is yes, but there are some rules around them. For a start, merchants cannot charge more than what they pay in transaction fees. You can either charge differing amounts in EFTPOS fees or choose a fixed percentage/amount for all card payments. You also have to be transparent about these fees to your customers in line with MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Zettle review (ex-iZettle): easy, versatile card reader and app for small businesses. SumUp Air review: affordable, no-fuss terminal for card payments. Square card reader review UK: low-key terminal big onapp features.
TOP 5 SQUARE ALTERNATIVES IN 2021 Swipe & dip transaction rate. 2.75%. Keyed-in rate (payment links, virtual terminal) 3.25% + 15¢. Invoice transaction rate. 2.9% + 15¢. SumUp is ideal for sporadic use since you’re not committing to a long-term contract and you pay the same rate regardless of card type. Like Square, bank account deposits take 1-2 days. HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS Coffee is an excellent fertiliser that adds nutrients to depleted soil, attracts worms (good thing), supporting plant growth. You can just scatter it around the plants – even your potted ones in need of some TLC. 6. Buy organic and eco-friendly inventory where possible.SUMUP 3G REVIEW
SumUp 3G is a pocket-sized card machine with an inbuilt SIM card. The terminal is very lightweight and easy to carry around compared to a traditional one, but sturdy enough to be reliable. In contrast to card readers that work in conjunction with a mobile app, there is no SumUp 3G app that the terminal can connect with. PUB & BAR POS SYSTEMS IN THE UK Zonal is a family-owned company that has existed for 40 years, and its branded Aztec EPOS was first launched in 2003. Both small and large UK hospitality businesses are using Aztec, including Wetherspoons, Be At One and Pizza Express. Photo: Zonal. The 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN IRELAND Clover by AIBMS. Clover produces standalone payment terminals with large touchscreens. Clover Flex is the smallest one available. It is portable, prints receipts and has POS features directly on its screen, meaning you can use it as a complete checkout with card payments built in. Clover Mini is more like a tablet terminal, best stationed on a counter (although it can be carried around). 6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK No contract, no monthly fees. SumUp 3G is the cheapest standalone card machine in the UK. It has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay £99 + VAT for the card machine – or £149 + VAT if you want the receipt printer too – then only a fixed percentage for card payments. VIRTUAL TERMINALS IN THE UK Customer service is only available during working hours in the UK. PayPal’s virtual terminal is simple to use, but costs are a little complicated. To cut to the chase, the costs of their virtual terminal are some of the highest for small businesses. Firstly, there’s a 20 (no VAT applicable) monthly fee for having the virtual terminalin
CLOVER FLEX TERMINAL REVIEW UK: WORTH ALL THE FEES?CLOVER FLEX VSCLOVER MOBILE
Our rating (3.7/5) The handheld Clover Flex works as a touchscreen checkout and card payment terminal. Clover Flex is a portable card terminal that works as a portable checkout too. Its touchscreen enables you to manage products, monitor sales, create orders and complete payments from anywhere with internet or 3G. MOBILE TRANSACTION: COMPARE CARD READERS & POS SYSTEMSCARD READERSCARD MACHINESPOINT OF SALEVIRTUAL TERMINALSRESOURCESREVIEWS Get paid. Payment processing for small businesses. Unbiased reviews of mobile card readers, POS systems and virtual terminals. TOP 5 SQUARE ALTERNATIVES IN 2021 Square’s idea was a stroke of genius in its simplicity: use your smartphone or tablet to accept credit and debit card payments. But in the US, businesses looking for mobile credit card processing solutions can choose between an increasing number of HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Key components of a POS system. Modern POS systems consist of hardware and software components. The software is what registers, processes and stores transaction details, but there are crucial differences in how it is stored and used between different POS software systems. HOW TO MAKE YOUR CAFE SUSTAINABLE: 10 IMPACTFUL ACTIONS 2. Offer more vegan and vegetarian options. One of the biggest ways an individual can cut their carbon footprint and prevent deforestation is to reduce meat and dairy consumption, and many are eating less of it as a result. So why not offer more vegan or vegetarian options to customers? Limiting fish in your food is also impactful, as overfishing is a huge problem leaving oceans depleted soSUMUP 3G REVIEW
Fees and settlement. The two things you pay for are the £99 + VAT one-off cost of the card reader and 1.69% transaction fee for all the payments processed through it. There’s no setup fee or extra charges for foreign cards. Delivery of the card reader is free, and there are no monthly fees or minimum sales volume required, so this is a pay-as-you-go system without hidden costs. 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN IRELAND Clover by AIBMS. Clover produces standalone payment terminals with large touchscreens. Clover Flex is the smallest one available. It is portable, prints receipts and has POS features directly on its screen, meaning you can use it as a complete checkout with card payments built in. Clover Mini is more like a tablet terminal, best stationed on a counter (although it can be carried around). PUB & BAR POS SYSTEMS IN THE UK Lightspeed Restaurant is an extensive bar till system. It has more features than most other iPad POS systems, meaning more settings toconsider at
6 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK The UK market leader, Zettle Reader (recently rebranded from ‘iZettle Reader’), is the most versatile card machine on our list. Its PIN pad machine is stylish, tamper-proof and comes in white or black – and there’s no setup or shipping fee. VIRTUAL TERMINALS IN THE UK Square Virtual Terminal accepts Visa, Visa Electron, V Pay, Mastercard, Maestro and American Express. The virtual payment terminal page is straightforward – enter the card details, amount to be paid and a short note that will be shown in your sales reports (i.e. not for personal details), or itemise the bill with products from your library (or new custom items), taxes, discounts and variants. CLOVER FLEX TERMINAL REVIEW UK: WORTH ALL THE FEES?CLOVER FLEX VSCLOVER MOBILE
Clover Flex is a portable card terminal that works as a portable checkout too. Its touchscreen enables you to manage products, monitor sales, create orders and complete payments from anywhere with internetor 3G.
TOP 5 SQUARE ALTERNATIVES IN 2021 Square’s idea was a stroke of genius in its simplicity: use your smartphone or tablet to accept credit and debit card payments. But in the US, businesses looking for mobile credit card processing solutions can choose between an increasing number of HOW DOES A POS SYSTEM WORK? THE BASICS EXPLAINED Any business selling in person will have a ‘point of sale’, commonly abbreviated ‘POS’. In essence: POS is the setup you have in place for processing face-to-face payments from customers. POS is not a standalone machine or process – it’s a constellation of things that together enable you to process customer-facingtransactions
HOW TO USE A POS MACHINE, STEP BY STEP EXPLAINED An integrated terminal is connected with the EPOS software, so that when you’ve entered products on the till screen and pick card payment, the central software will send the transaction amount to the card terminal. The card machine will then usually light up and show the payment total automatically, prompting the customer to pay that (or add a tip, if that setting is switched on). BUSINESS TYPES RESTRICTED BY SQUARE, PAYPAL, IZETTLE AND SUMUP Alcohol and/or tobacco sales are restricted to some extent by all the providers. Specifically: SumUp restricts any intoxicating substances, which would include alcohol. Square only restricts alcohol and tobacco sales for internet, mail order and telephone merchants. iZettle restricts the “illegal sale of tobacco/alcohol products”. WHAT IS A NEOBANK? HOW DOES IT DIFFER FROM TRADITIONAL BANKS? Neobank literally means “new bank”, derived from the Greek word νεος (neos) meaning “new”. It is an umbrella term for the new generation of cutting-edge, fully digital banking services aiming to be more accessible than traditional banks. The range of offerings by neobanks varies, as does the level of licensing and limitations. 6 BEST IPHONE CREDIT CARD READERS WITH PAYMENT APP There are three iPhone credit card readers to pick from. PayPal Chip & Swipe Reader for $24.99 is the cheapest one, but it doesn’t accept contactless. The PayPal Chip & Tap Reader (pictured below) costs $59.99 and accepts tap, swipe and chip payments. The Chip Card Reader is also 3-in-1, with a keypad built in as well. CAFE POS SYSTEMS IN THE UK: 6 BEST IN 2021 To Goodtill. Goodtill is an iPad EPOS system that starts at a low price: £29 + VAT for the core POS module. Cafés may then add the Hospitality module for an additional £9 per month and other more advanced POS modules such as advanced promotions, SQUARE VS PAYPAL: SIMILAR CARD READERS WITH BIG DIFFERENCES Square Reader is the smallest at 1.98 oz. and 0.4 x 2.6 x 2.6 inches, which can be expected since it has no inbuilt swipe functionality. PayPal Chip and Tap Reader weighs 2.3 oz. and is 0.74 x 2.64 x 2.64 inches big. PayPal card readers with app. None of the card readerswork on their own.
POS COMPARISON OF THE 5 BEST UK TILL SYSTEMS This POS comparison looks at key differences and features between some major till systems designed for a variety of trades. We compare POS systems that are considered the best overall. They are all software-as-a-service (SaaS), i.e. you pay a monthly subscription to access it through the cloud. Some of them can be used without internettoo, but
CAN YOU CHARGE CUSTOMERS FOR EFTPOS FEES? HOW MUCH? The short answer is yes, but there are some rules around them. For a start, merchants cannot charge more than what they pay in transaction fees. You can either charge differing amounts in EFTPOS fees or choose a fixed percentage/amount for all card payments. You also have to be transparent about these fees to your customers in line withSkip to content
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Mobile TransactionJamie Roberts 2019-05-17T11:40:10+00:00*
SQUARE CARD READER REVIEW UK: LOW-KEY TERMINAL BIG ON APP FEATURES*
IZETTLE REVIEW: SIMPLE, YET FEATURE-RICH, CARD PAYMENTS FOR SMALLBUSINESSES
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SUMUP AIR REVIEW – AFFORDABLE, NO-FUSS WAY TO TAKE CARD PAYMENTS*
PAYPAL HERE UK REVIEW: HOW DOES IT COMPARE WITH IZETTLE AND SUMUP?* 1
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IZETTLE VS. SQUARE VS. SUMUP It is a close race between the most popular mobile card readers in the UK. Check out this comparison to find the one that fits your needs.Compare
CARD MACHINES
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Emily Sorensen
2019-11-05T14:02:49+00:00 BEST CARD MACHINES FOR TAXIS AND PRIVATE HIRE DRIVERS We've carefully selected the 7 best card terminals for UK- and London-based cab drivers, private hire taxis and fleet owners.*
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2019-10-21T12:11:28+00:00 SHORT-TERM CARD MACHINE RENTAL VS. BUYING A CARD READER Card terminal hire for short periods can cost more than buying a card reader upfront, so why still consider it?*
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Emily Sorensen
2019-10-25T10:17:43+00:00 SQUARE TERMINAL REVIEW: CARD MACHINE AND POS IN ONE AFFORDABLE DEVICE Square Terminal is both a card machine and POS system with a touchscreen, but how does it work and is it sufficient?*
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Emily Sorensen
2019-10-15T11:42:21+00:00 WORLDPAY OR PAYZONE? SIMILAR SERVICES, NOT THE SAME STRENGTHS Is Payzone or Worldpay best? Their terminals and payment solutions are similar, but their pros and cons are very different.ADVERTISEMENTS
POINT OF SALE FOR HOSPITALITY*
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Emily Sorensen
2019-06-17T22:08:20+00:00 BEST 5 IPAD POS SYSTEMS UK Whether you run a retail, food or service business, our 2019 comparison of the best iPad till systems helps you uncover which toconsider.
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Emily Sorensen
2019-10-15T14:23:11+00:00 POS SYSTEMS FOR PUBS AND BARS: WHICH ARE THE 6 BEST IN THE UK? The UK has not shortage of till systems, but which are optimal for pubs and bars? Here are 6 of the best.*
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Emily Sorensen
2019-10-15T14:25:50+00:00 5 BEST POS SYSTEMS FOR RESTAURANTS IN THE UK What are the best till systems for food-and-drink? We rank 5 top choices for restaurants in the UK. COMPARE CARD READERS*
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Lucy Harris
2019-10-04T18:12:49+00:00 SUMUP AIR DISCOUNT – £10 OFF Get a discount on SumUp's card readers with our voucher code. Read about how to claim this special offer.*
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Emily Sorensen
2019-08-11T10:06:01+00:00 5 BEST CARD MACHINES FOR SMALL BUSINESSES IN THE UK After much analysis and testing, we've created this shortlist of the UK's top 5 card machines to help you compare options.*
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Luciana Damasceno
2019-10-15T14:17:45+00:00 IZETTLE OR SUMUP: SUBTLE DIFFERENCES, SO WHICH IS THE SUPERIOR DEAL? Which is best: SumUp or iZettle card reader? The subtle differences in fees and POS apps are deciding factors for a small business.POS FOR RETAIL
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Lucy Harris
2019-10-23T19:58:59+00:00 SHOPIFY POS REVIEW UK – GOOD, IF IT’S RIGHT FOR WHAT YOU NEED Shopify POS works with tablets, but potentially at a high price for what you get. Our review looks at pricing, features and more.*
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Emily Sorensen
2019-10-15T14:46:59+00:00 TILL SYSTEM FOR SMALL SHOP UK: BEST 5 What's the best POS system for small shops in the UK? Although many options prevail, only few are great for small retailers.*
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Emily Sorensen
2019-06-17T22:08:20+00:00 BEST 5 IPAD POS SYSTEMS UK Whether you run a retail, food or service business, our 2019 comparison of the best iPad till systems helps you uncover which toconsider.
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Emily Sorensen
2019-10-15T14:27:31+00:00 POS SOFTWARE COMPARISON OF LEADING TILL SYSTEMS IN THE UK We compare the five best EPOS software in the UK, focusing on key differences in cost, functionality and purpose.POS ACCESSORIES
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Emily Sorensen
2019-08-15T14:21:00+00:00 RECEIPT PRINTERS THAT WORK WITH SQUARE: A COMPLETE OVERVIEW*
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Emily Sorensen
2019-10-15T14:20:31+00:00 RECEIPT PRINTERS COMPATIBLE WITH IZETTLE – THE ULTIMATE OVERVIEW VIRTUAL TERMINAL REVIEWS*
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Dee Primett
2019-10-15T14:17:14+00:00 WORLDPAY VIRTUAL TERMINAL REVIEW: DOES THE JOB, BUT FEES NEEDCLARIFYING
Worldpay's virtual terminal works well, but what are the costs and what can you expect from the service?*
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Dee Primett
2019-10-15T14:19:08+00:00 PAYPAL VIRTUAL TERMINAL REVIEW: A COMPLICATED PRICE FOR PHONE PAYMENTS PayPal Virtual Terminal is easy to use for phone payments. The fees are high for small businesses - is the service worth it?*
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Emily Sorensen
2019-10-15T14:19:44+00:00 SQUARE VIRTUAL TERMINAL REVIEW: PHONE PAYMENTS THE SIMPLEST WAYPOSSIBLE
Square's virtual terminal is cheap, easy to use and requires no commitment. How does it work? Any feature limitations? CARDHOLDER NOT PRESENT PAYMENTS*
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Emily Sorensen
2019-10-15T14:18:26+00:00 HOW TO TAKE PAYMENTS OVER THE PHONE Taking payments over the phone is important for many businesses in the UK, but how do you actually do it?*
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Lucy Harris
2019-10-15T14:18:54+00:00 WORLDPAY VS. PAYPAL VIRTUAL TERMINAL: WHAT’S BEST FOR PHONEPAYMENTS?
Is Worldpay or PayPal best for over-the-phone payments? We compare the fees, customer service and user experience.*
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Emily Sorensen
2019-10-15T14:19:36+00:00 VIRTUAL TERMINALS IN THE UK: 5 BEST PROVIDERS What's the best virtual terminal for small businesses in the UK? Some providers are more costly than others.*
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Dee Primett
2019-05-29T08:52:08+00:00 IS IT SAFE TO TAKE PAYMENTS OVER THE PHONE? How safe are phone payments? Generally quite safe. We cover the most important ways to protect yourself from card fraud.ECOMMERCE
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Emily Sorensen
2019-10-31T10:33:57+00:00 SHOPIFY REVIEW – THE BEST ECOMMERCE PLATFORM?*
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2019-10-15T11:41:14+00:00 WIX ECOMMERCE REVIEW: EASY WEBSITE BUILDING FOR THE VISUALLY-MINDED__ __
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