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Warren G

Member

Registered: 14th May 06
Location: Kent
User status: Offline

22nd Jan 12 at 10:49

Does anyone know any info on card readers (chip n pin)

I know you have the cost of buying or renting the machine

but costs wise, barcleys wanted 3% on all tranactions.....seems alot

I bank with natiowide, but they dont do bussiness accounts

any info would be great....bit of a strange one i know!

Richie

Member

Registered: 3rd Dec 02
Location: Newport, Wales
User status: Offline

22nd Jan 12 at 10:56

Just need to go to any merchant services place to discuss. Some places do 1% but then there's a monthly fee instead.

Warren G

Member

Registered: 14th May 06
Location: Kent
User status: Offline

22nd Jan 12 at 11:17

Barcleys wanted me to charge me for everything, inc paying in money!?!

Unsure which is the best option, 1% is fine

unsure weather i should try other banks, or weather theres other options. so i can use my existing bank account

Dan295

Member

Registered: 9th Oct 06
Location: London
User status: Offline

22nd Jan 12 at 12:17

costco are the cheapest iirc, although you need to be a member to sign up and get it.

Dan295

Member

Registered: 9th Oct 06
Location: London
User status: Offline

22nd Jan 12 at 12:18

http://www.elavon.com/acquiring/costco/landing-uk.aspx

one in thurrock i think

Paul_J

Member

Registered: 6th Jun 02
Location: London
User status: Offline

22nd Jan 12 at 12:19

https://squareup.com/

Accept payments through a swipe reader plugged into your iphone

Steve

Premium Member

Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline

22nd Jan 12 at 12:25

i wouldnt trust anyone swiping my card plugged into someones phone

if i didnt know warren id be very put off by that

Warren G

Member

Registered: 14th May 06
Location: Kent
User status: Offline

22nd Jan 12 at 12:27

Costco....yeah i know someones whos got a card

looks better option

So average £3000 with 15 Transations

at 3%... = 90

Costco £15 + £1.80 = alot cheaper

would this go to my standard natiowide bank account?

Dont have an iphone Paul!

VrsTurbo

Premium Member

Registered: 8th Jun 10
User status: Offline

22nd Jan 12 at 18:55

you dont want business transactions going into a standard account!!!!!

jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

22nd Jan 12 at 19:11

Banking wise try Santander. I'm with them, though actually signed up with Alliance and Leicester, mostly free banking other than paying 10p per £100 cash over your £3000 monthly limit.

I use Paypal for taking debit card payments, it's ok but I charge users 3.5% to cover the cost, so only use it for small amounts. Could also do with sorting a better option, saw one a while back but can't remember the name, will have a look.

jrsteeve

Member

Registered: 3rd Apr 02
Location: Manchester
User status: Offline

22nd Jan 12 at 19:14

Oh and check your T&C's with Nationwide, accounts can't be used for business.

Dom

Member

Registered: 13th Sep 03
User status: Offline

22nd Jan 12 at 19:16

quote:
Originally posted by VrsTurbo
you dont want business transactions going into a standard account!!!!!

Yup. With HSBC as they offer a 1 year free Business account for < £100k; haven't had any issues so far and always get things sorted ASAP.

And likewise, like fuck would I use an iPhone for card processing; it looks far too dodgy from the customers perspective

Member

Registered: 10th Sep 03
User status: Offline

22nd Jan 12 at 19:19

NatWest are offering two years free business banking at the moment - seems like its worth shopping around as there are a few offers out there.

Warren G

Member

Registered: 14th May 06
Location: Kent
User status: Offline

22nd Jan 12 at 22:08

quote:
Originally posted by VrsTurbo
you dont want business transactions going into a standard account!!!!!

I have two accounts, but its not a bussiness account as they dont do them

quote:
Originally posted by jrsteeve
Banking wise try Santander. I'm with them, though actually signed up with Alliance and Leicester, mostly free banking other than paying 10p per £100 cash over your £3000 monthly limit.

I use Paypal for taking debit card payments, it's ok but I charge users 3.5% to cover the cost, so only use it for small amounts. Could also do with sorting a better option, saw one a while back but can't remember the name, will have a look.

Il see what santander have to offer

quote:
Originally posted by jrsteeve
Oh and check your T&C's with Nationwide, accounts can't be used for business.

Well i told them what it was for and they gave me another account

quote:
Originally posted by ed
NatWest are offering two years free business banking at the moment - seems like its worth shopping around as there are a few offers out there.

oh right thats interesting, take the free 2 years then look afterwards!

any links on this?

Anty

Premium Member

Registered: 19th Mar 08
Location: droitwich
User status: Offline

22nd Jan 12 at 23:26

might had some card readers knocking about..

would have to check storage..

VegasPhil

Premium Member

Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline

22nd Jan 12 at 23:50

What about Google Checkout? I used it a few times before. It's decent.

Corsa 2.0 16v Vegas - Sold

Member

Registered: 10th Sep 03
User status: Offline

23rd Jan 12 at 08:35

quote:
Originally posted by Warren G
any links on this?

http://www.natwest.com/business/starting-a-business/two-years-free-banking.ashx

chrisritch

Member

Registered: 2nd Sep 08
Location: Northants Drives: V40
User status: Offline

23rd Jan 12 at 08:56

HSBC Merchant Services are pretty good.

Also had Cardsave come round to us a few times trying to get us to sign up but its too much hassle moving from where we are.

Rich H

Member

Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
User status: Offline

23rd Jan 12 at 09:05

http://www.streamline.com/

Robin

Premium Member

Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline

23rd Jan 12 at 09:43

quote:
Originally posted by Steve
i wouldnt trust anyone swiping my card plugged into someones phone

So you don't use your card at all then?

Steve

Premium Member

Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline

23rd Jan 12 at 09:44

never used my card with it plugged into someones iphone no

Member

Registered: 10th Sep 03
User status: Offline

23rd Jan 12 at 09:54

Member

Registered: 10th Sep 03
User status: Offline

23rd Jan 12 at 09:56

They don't use chip and pin in the USA, which is probably why Square exists there and not over here.

Steve

Premium Member

Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline

23rd Jan 12 at 09:56

probably safe as houses, looks dodgy as fuck though

Member

Registered: 10th Sep 03
User status: Offline

23rd Jan 12 at 09:57

As safe as swiping your card and not even signing for the transaction can be

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